Home > American National Bank > Performance and Condition Ratios
American National Bank, Performance and Condition Ratios
| 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 | 4.7973% | 2,267 |
| Cost of funding earning assets | 1.3649% | 1,962 |
| Net interest margin | 3.4324% | 2,390 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7080% | 4,110 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2418% | 1,670 |
| Return on assets (ROA) | 1.2418% | 1,662 |
| Pretax return on assets | 1.6449% | 1,273 |
| Return on Equity (ROE) | 11.5600% | 2,234 |
| Retained earnings to average equity (ytd only) | 7.7060% | 2,074 |
| Net charge-offs to loans | 0.1104% | 721 |
| Credit loss provision to net charge-offs | 114.0684% | 1,521 |
| Earnings coverage of net charge-offs (x) | 22.9582% | 1,750 |
| Efficiency ratio | 49.6666% | 3,940 |
| Assets per employee ($millions) | 14.9009% | 205 |
| Cash dividends to net income (ytd only)* | 33.3102% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 4,085 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.5600% | 1,633 |
| Net loans and leases to deposits | 81.8248% | 1,911 |
| Net loans and leases to core deposits | 93.6509% | 1,693 |
| Total domestic deposits to total assets | 87.4500% | 1,758 |
| Equity capital to assets | 10.9078% | 1,380 |
| Core capital (leverage) ratio | 13.2970% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3034% | 1,244 |
| Memoranda: | ||
| Average total assets | $465,106,000 | 1,811 |
| Average earning assets | $438,598,750 | 1,779 |
| Average equity | $49,985,500 | 1,594 |
| Average total loans | $317,616,000 | 1,726 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 2,189 |
| Cost of funding earning assets | 1.0731% | 2,373 |
| Net interest margin | 3.6342% | 1,964 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.7153% | 4,131 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.3103% | 1,543 |
| Return on assets (ROA) | 1.3103% | 1,530 |
| Pretax return on assets | 1.7354% | 1,141 |
| Return on Equity (ROE) | 12.2500% | 2,079 |
| Retained earnings to average equity (ytd only) | 6.4631% | 2,458 |
| Net charge-offs to loans | 0.1696% | 466 |
| Credit loss provision to net charge-offs | 105.6604% | 1,403 |
| Earnings coverage of net charge-offs (x) | 16.3208% | 1,832 |
| Efficiency ratio | 48.0356% | 4,066 |
| Assets per employee ($millions) | 15.1782% | 192 |
| Cash dividends to net income (ytd only)* | 47.2495% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,081 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 69.7700% | 1,771 |
| Net loans and leases to deposits | 79.9523% | 1,985 |
| Net loans and leases to core deposits | 90.4504% | 1,767 |
| Total domestic deposits to total assets | 87.2600% | 1,842 |
| Equity capital to assets | 11.1076% | 1,346 |
| Core capital (leverage) ratio | 12.8016% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8009% | 1,156 |
| Memoranda: | ||
| Average total assets | $466,165,667 | 1,805 |
| Average earning assets | $439,662,333 | 1,785 |
| Average equity | $49,852,000 | 1,601 |
| Average total loans | $312,482,333 | 1,734 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 2,324 |
| Cost of funding earning assets | 0.8044% | 2,718 |
| Net interest margin | 3.6922% | 1,913 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.7100% | 4,185 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4021% | 1,401 |
| Return on assets (ROA) | 1.4021% | 1,379 |
| Pretax return on assets | 1.8568% | 980 |
| Return on Equity (ROE) | 13.3600% | 1,909 |
| Retained earnings to average equity (ytd only) | 1.6973% | 3,753 |
| Net charge-offs to loans | 0.3434% | 231 |
| Credit loss provision to net charge-offs | 26.4151% | 1,365 |
| Earnings coverage of net charge-offs (x) | 8.5245% | 1,718 |
| Efficiency ratio | 47.1579% | 4,146 |
| Assets per employee ($millions) | 15.2877% | 195 |
| Cash dividends to net income (ytd only)* | 87.2958% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 4,239 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.2800% | 2,033 |
| Net loans and leases to deposits | 75.6272% | 2,154 |
| Net loans and leases to core deposits | 81.8517% | 2,129 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 10.6090% | 1,509 |
| Core capital (leverage) ratio | 12.3458% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5114% | 1,259 |
| Memoranda: | ||
| Average total assets | $471,575,500 | 1,812 |
| Average earning assets | $445,042,000 | 1,789 |
| Average equity | $49,489,000 | 1,626 |
| Average total loans | $308,657,000 | 1,765 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 2,691 |
| Cost of funding earning assets | 0.2595% | 3,246 |
| Net interest margin | 3.3778% | 2,323 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.5127% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3289% | 1,341 |
| Return on assets (ROA) | 1.3289% | 1,300 |
| Pretax return on assets | 1.7056% | 908 |
| Return on Equity (ROE) | 14.3300% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.3635% | 814 |
| Net charge-offs to loans | -0.0004% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.0027% | 4,300 |
| Assets per employee ($millions) | 15.1365% | 200 |
| Cash dividends to net income (ytd only)* | 20.7209% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 4,012 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.6200% | 2,278 |
| Net loans and leases to deposits | 72.3607% | 2,380 |
| Net loans and leases to core deposits | 75.9491% | 2,426 |
| Total domestic deposits to total assets | 87.9200% | 2,094 |
| Equity capital to assets | 10.3786% | 1,517 |
| Core capital (leverage) ratio | 11.3089% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9094% | 1,140 |
| Memoranda: | ||
| Average total assets | $524,035,600 | 1,671 |
| Average earning assets | $463,227,400 | 1,720 |
| Average equity | $48,585,400 | 1,659 |
| Average total loans | $279,669,200 | 1,820 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 3,150 |
| Cost of funding earning assets | 0.1717% | 3,602 |
| Net interest margin | 3.1393% | 2,803 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.4364% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1681% | 1,822 |
| Return on assets (ROA) | 1.1681% | 1,797 |
| Pretax return on assets | 1.5477% | 1,280 |
| Return on Equity (ROE) | 12.9400% | 1,716 |
| Retained earnings to average equity (ytd only) | 8.9735% | 1,658 |
| Net charge-offs to loans | -0.0005% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.1346% | 4,266 |
| Assets per employee ($millions) | 17.2544% | 144 |
| Cash dividends to net income (ytd only)* | 30.6304% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,012 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.8600% | 3,117 |
| Net loans and leases to deposits | 59.6642% | 3,226 |
| Net loans and leases to core deposits | 61.5138% | 3,270 |
| Total domestic deposits to total assets | 90.2700% | 1,540 |
| Equity capital to assets | 8.8146% | 2,342 |
| Core capital (leverage) ratio | 10.1523% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7126% | 1,235 |
| Memoranda: | ||
| Average total assets | $537,736,250 | 1,651 |
| Average earning assets | $468,371,250 | 1,708 |
| Average equity | $48,556,750 | 1,676 |
| Average total loans | $274,347,250 | 1,836 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 3,210 |
| Cost of funding earning assets | 0.1462% | 3,625 |
| Net interest margin | 2.9932% | 2,901 |
| Noninterest income to average assets | 0.1908% | 4,048 |
| Noninterest expense to average assets | 1.4313% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9683% | 2,274 |
| Return on assets (ROA) | 0.9683% | 2,250 |
| Pretax return on assets | 1.2831% | 1,802 |
| Return on Equity (ROE) | 10.6392% | 2,120 |
| Retained earnings to average equity (ytd only) | 4.7525% | 2,799 |
| Net charge-offs to loans | -0.0007% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7288% | 4,072 |
| Assets per employee ($millions) | 18.2508% | 121 |
| Cash dividends to net income (ytd only)* | 55.3298% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 48.3829% | 3,520 |
| Net loans and leases to deposits | 53.4743% | 3,568 |
| Net loans and leases to core deposits | 54.9515% | 3,641 |
| Total domestic deposits to total assets | 90.4788% | 1,479 |
| Equity capital to assets | 8.6741% | 2,634 |
| Core capital (leverage) ratio | 9.6850% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7212% | 1,034 |
| Memoranda: | ||
| Average total assets | $538,686,667 | 1,658 |
| Average earning assets | $454,165,000 | 1,772 |
| Average equity | $49,026,333 | 1,706 |
| Average total loans | $268,963,667 | 1,857 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9824% | 3,307 |
| Cost of funding earning assets | 0.1437% | 3,580 |
| Net interest margin | 2.8387% | 3,017 |
| Noninterest income to average assets | 0.1670% | 4,169 |
| Noninterest expense to average assets | 1.4180% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8632% | 2,438 |
| Return on assets (ROA) | 0.8632% | 2,430 |
| Pretax return on assets | 1.1447% | 2,002 |
| Return on Equity (ROE) | 9.2623% | 2,225 |
| Retained earnings to average equity (ytd only) | -2.3296% | 4,272 |
| Net charge-offs to loans | -0.0015% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3316% | 3,934 |
| Assets per employee ($millions) | 18.0170% | 131 |
| Cash dividends to net income (ytd only)* | 125.1518% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 4,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.3680% | 3,457 |
| Net loans and leases to deposits | 52.3364% | 3,547 |
| Net loans and leases to core deposits | 53.7250% | 3,615 |
| Total domestic deposits to total assets | 90.5068% | 1,296 |
| Equity capital to assets | 8.5649% | 3,108 |
| Core capital (leverage) ratio | 9.8929% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5323% | 1,134 |
| Memoranda: | ||
| Average total assets | $534,268,000 | 1,674 |
| Average earning assets | $450,914,000 | 1,785 |
| Average equity | $49,793,000 | 1,749 |
| Average total loans | $269,777,000 | 1,839 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 2,512 |
| Cost of funding earning assets | 0.2036% | 3,426 |
| Net interest margin | 3.3478% | 2,177 |
| Noninterest income to average assets | 0.1881% | 4,220 |
| Noninterest expense to average assets | 1.5735% | 4,454 |
| Loan and lease loss provision to assets | 0.0021% | 3,033 |
| Net operating income to assets | 1.2142% | 1,881 |
| Return on assets (ROA) | 1.2142% | 1,927 |
| Pretax return on assets | 1.5523% | 1,561 |
| Return on Equity (ROE) | 11.6030% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.7053% | 1,280 |
| Net charge-offs to loans | 0.0018% | 2,586 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 1,479.4000% | 97 |
| Efficiency ratio | 50.3057% | 4,262 |
| Assets per employee ($millions) | 15.9378% | 178 |
| Cash dividends to net income (ytd only)* | 24.9740% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.9665% | 2,967 |
| Net loans and leases to deposits | 59.5573% | 3,118 |
| Net loans and leases to core deposits | 61.3934% | 3,212 |
| Total domestic deposits to total assets | 88.9337% | 1,545 |
| Equity capital to assets | 10.1467% | 2,522 |
| Core capital (leverage) ratio | 10.4576% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7600% | 1,106 |
| Memoranda: | ||
| Average total assets | $475,868,200 | 1,755 |
| Average earning assets | $417,885,400 | 1,844 |
| Average equity | $49,797,400 | 1,773 |
| Average total loans | $280,723,000 | 1,783 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 2,598 |
| Cost of funding earning assets | 0.2192% | 3,432 |
| Net interest margin | 3.3660% | 2,249 |
| Noninterest income to average assets | 0.1903% | 4,255 |
| Noninterest expense to average assets | 1.5786% | 4,486 |
| Loan and lease loss provision to assets | 0.0028% | 2,914 |
| Net operating income to assets | 1.2045% | 2,156 |
| Return on assets (ROA) | 1.2045% | 2,215 |
| Pretax return on assets | 1.6017% | 1,697 |
| Return on Equity (ROE) | 11.4160% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.4638% | 1,507 |
| Net charge-offs to loans | 0.0024% | 2,289 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 1,124.8000% | 146 |
| Efficiency ratio | 49.5922% | 4,257 |
| Assets per employee ($millions) | 16.7771% | 152 |
| Cash dividends to net income (ytd only)* | 17.1009% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.4574% | 2,918 |
| Net loans and leases to deposits | 61.2316% | 3,120 |
| Net loans and leases to core deposits | 63.1890% | 3,204 |
| Total domestic deposits to total assets | 88.9367% | 1,320 |
| Equity capital to assets | 10.1645% | 2,744 |
| Core capital (leverage) ratio | 10.6620% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5767% | 1,031 |
| Memoranda: | ||
| Average total assets | $467,333,000 | 1,804 |
| Average earning assets | $415,518,000 | 1,871 |
| Average equity | $49,309,500 | 1,809 |
| Average total loans | $282,763,250 | 1,812 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 2,376 |
| Cost of funding earning assets | 0.2394% | 3,379 |
| Net interest margin | 3.4467% | 2,019 |
| Noninterest income to average assets | 0.1397% | 4,500 |
| Noninterest expense to average assets | 1.5953% | 4,517 |
| Loan and lease loss provision to assets | 0.0044% | 2,794 |
| Net operating income to assets | 1.2544% | 2,010 |
| Return on assets (ROA) | 1.2544% | 2,076 |
| Pretax return on assets | 1.6708% | 1,561 |
| Return on Equity (ROE) | 11.7306% | 2,155 |
| Retained earnings to average equity (ytd only) | 8.7651% | 1,796 |
| Net charge-offs to loans | 0.0035% | 2,041 |
| Credit loss provision to net charge-offs | 200.0000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 762.8000% | 182 |
| Efficiency ratio | 48.7779% | 4,339 |
| Assets per employee ($millions) | 14.9733% | 197 |
| Cash dividends to net income (ytd only)* | 25.2801% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.0370% | 2,664 |
| Net loans and leases to deposits | 65.4495% | 2,869 |
| Net loans and leases to core deposits | 67.6529% | 2,986 |
| Total domestic deposits to total assets | 88.6744% | 1,468 |
| Equity capital to assets | 10.4062% | 2,482 |
| Core capital (leverage) ratio | 10.4901% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0815% | 1,099 |
| Memoranda: | ||
| Average total assets | $455,339,667 | 1,833 |
| Average earning assets | $413,616,333 | 1,868 |
| Average equity | $48,693,000 | 1,812 |
| Average total loans | $284,844,667 | 1,805 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 2,622 |
| Cost of funding earning assets | 0.2958% | 3,036 |
| Net interest margin | 3.3098% | 2,364 |
| Noninterest income to average assets | 0.1398% | 4,507 |
| Noninterest expense to average assets | 1.6859% | 4,401 |
| Loan and lease loss provision to assets | 0.0090% | 2,656 |
| Net operating income to assets | 1.0834% | 2,530 |
| Return on assets (ROA) | 1.0834% | 2,607 |
| Pretax return on assets | 1.4523% | 2,132 |
| Return on Equity (ROE) | 9.9857% | 2,690 |
| Retained earnings to average equity (ytd only) | 3.9826% | 3,507 |
| Net charge-offs to loans | 0.0070% | 1,648 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 280 |
| Efficiency ratio | 53.5684% | 3,837 |
| Assets per employee ($millions) | 15.3078% | 191 |
| Cash dividends to net income (ytd only)* | 60.1166% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,363 |
| Loan loss allowance to noncurrent loans | 55.2949% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 913 |
| Noncurrent loans to loans | 1.4842% | 844 |
| Net loans and leases to total assets | 61.8337% | 2,305 |
| Net loans and leases to deposits | 69.7288% | 2,535 |
| Net loans and leases to core deposits | 71.8028% | 2,714 |
| Total domestic deposits to total assets | 88.6775% | 1,522 |
| Equity capital to assets | 10.1784% | 2,533 |
| Core capital (leverage) ratio | 10.8509% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6835% | 1,126 |
| Memoranda: | ||
| Average total assets | $443,436,500 | 1,860 |
| Average earning assets | $402,925,500 | 1,894 |
| Average equity | $48,109,000 | 1,817 |
| Average total loans | $287,012,000 | 1,799 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 2,495 |
| Cost of funding earning assets | 0.4362% | 3,370 |
| Net interest margin | 3.6386% | 2,014 |
| Noninterest income to average assets | 0.2568% | 3,944 |
| Noninterest expense to average assets | 1.9200% | 4,284 |
| Loan and lease loss provision to assets | 0.0572% | 3,651 |
| Net operating income to assets | 1.1475% | 1,734 |
| Return on assets (ROA) | 1.1475% | 1,860 |
| Pretax return on assets | 1.5379% | 1,228 |
| Return on Equity (ROE) | 8.9418% | 2,422 |
| Retained earnings to average equity (ytd only) | 2.8121% | 3,463 |
| Net charge-offs to loans | -0.0004% | 3,898 |
| Credit loss provision to net charge-offs | -21,000.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6216% | 4,145 |
| Assets per employee ($millions) | 13.3010% | 246 |
| Cash dividends to net income (ytd only)* | 68.5511% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.8749% | 1,970 |
| Net loans and leases to deposits | 76.5736% | 2,218 |
| Net loans and leases to core deposits | 79.4167% | 2,413 |
| Total domestic deposits to total assets | 87.3342% | 1,773 |
| Equity capital to assets | 11.6210% | 1,795 |
| Core capital (leverage) ratio | 11.7501% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4795% | 838 |
| Memoranda: | ||
| Average total assets | $366,874,200 | 1,974 |
| Average earning assets | $328,535,200 | 2,034 |
| Average equity | $47,082,400 | 1,788 |
| Average total loans | $257,443,000 | 1,881 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 2,766 |
| Cost of funding earning assets | 0.4714% | 3,415 |
| Net interest margin | 3.5957% | 2,285 |
| Noninterest income to average assets | 0.2378% | 4,069 |
| Noninterest expense to average assets | 1.9393% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1446% | 1,839 |
| Return on assets (ROA) | 1.1446% | 1,953 |
| Pretax return on assets | 1.5167% | 1,415 |
| Return on Equity (ROE) | 8.6813% | 2,530 |
| Retained earnings to average equity (ytd only) | 4.5767% | 2,759 |
| Net charge-offs to loans | -0.0005% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1150% | 3,909 |
| Assets per employee ($millions) | 12.6775% | 283 |
| Cash dividends to net income (ytd only)* | 47.2805% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.4893% | 1,434 |
| Net loans and leases to deposits | 84.8867% | 1,820 |
| Net loans and leases to core deposits | 88.1566% | 2,129 |
| Total domestic deposits to total assets | 86.5734% | 1,827 |
| Equity capital to assets | 12.2785% | 1,530 |
| Core capital (leverage) ratio | 12.3253% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4054% | 738 |
| Memoranda: | ||
| Average total assets | $355,510,000 | 2,006 |
| Average earning assets | $318,190,250 | 2,062 |
| Average equity | $46,873,750 | 1,783 |
| Average total loans | $252,261,500 | 1,909 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 2,701 |
| Cost of funding earning assets | 0.5293% | 3,351 |
| Net interest margin | 3.6880% | 2,212 |
| Noninterest income to average assets | 0.1860% | 4,347 |
| Noninterest expense to average assets | 2.0233% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0968% | 1,977 |
| Return on assets (ROA) | 1.0968% | 2,095 |
| Pretax return on assets | 1.4536% | 1,577 |
| Return on Equity (ROE) | 8.1054% | 2,706 |
| Retained earnings to average equity (ytd only) | 1.8874% | 3,802 |
| Net charge-offs to loans | -0.0008% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1922% | 3,665 |
| Assets per employee ($millions) | 12.9485% | 251 |
| Cash dividends to net income (ytd only)* | 76.7145% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.0275% | 2,022 |
| Net loans and leases to deposits | 80.3771% | 2,382 |
| Net loans and leases to core deposits | 83.5053% | 2,654 |
| Total domestic deposits to total assets | 87.1237% | 1,568 |
| Equity capital to assets | 11.7555% | 1,800 |
| Core capital (leverage) ratio | 12.5182% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5826% | 712 |
| Memoranda: | ||
| Average total assets | $343,012,000 | 2,030 |
| Average earning assets | $306,077,000 | 2,097 |
| Average equity | $46,413,333 | 1,782 |
| Average total loans | $239,339,000 | 1,961 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 2,782 |
| Cost of funding earning assets | 0.7427% | 2,708 |
| Net interest margin | 3.6039% | 2,656 |
| Noninterest income to average assets | 0.1683% | 4,527 |
| Noninterest expense to average assets | 2.1618% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8948% | 2,544 |
| Return on assets (ROA) | 0.8948% | 2,646 |
| Pretax return on assets | 1.1854% | 2,244 |
| Return on Equity (ROE) | 6.1008% | 3,284 |
| Retained earnings to average equity (ytd only) | -6.4398% | 4,608 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5849% | 3,132 |
| Assets per employee ($millions) | 9.7769% | 413 |
| Cash dividends to net income (ytd only)* | 205.5556% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.8193% | 2,839 |
| Net loans and leases to deposits | 77.9081% | 2,894 |
| Net loans and leases to core deposits | 82.2997% | 3,000 |
| Total domestic deposits to total assets | 84.4832% | 2,605 |
| Equity capital to assets | 14.1880% | 1,002 |
| Core capital (leverage) ratio | 14.5696% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1074% | 854 |
| Memoranda: | ||
| Average total assets | $313,815,500 | 2,136 |
| Average earning assets | $276,813,500 | 2,215 |
| Average equity | $46,026,500 | 1,790 |
| Average total loans | $217,355,500 | 2,063 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 2,212 |
| Cost of funding earning assets | 0.8924% | 2,223 |
| Net interest margin | 3.8459% | 2,356 |
| Noninterest income to average assets | 0.2481% | 4,190 |
| Noninterest expense to average assets | 2.0085% | 4,519 |
| Loan and lease loss provision to assets | -0.0640% | 5,034 |
| Net operating income to assets | 1.3138% | 1,637 |
| Return on assets (ROA) | 1.3138% | 1,715 |
| Pretax return on assets | 1.7239% | 1,130 |
| Return on Equity (ROE) | 9.2276% | 2,649 |
| Retained earnings to average equity (ytd only) | 5.9831% | 1,877 |
| Net charge-offs to loans | -0.0004% | 4,143 |
| Credit loss provision to net charge-offs | 20,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7517% | 4,350 |
| Assets per employee ($millions) | 9.5310% | 408 |
| Cash dividends to net income (ytd only)* | 35.1608% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.4538% | 2,177 |
| Net loans and leases to deposits | 85.5687% | 2,145 |
| Net loans and leases to core deposits | 90.0529% | 2,423 |
| Total domestic deposits to total assets | 83.5045% | 3,020 |
| Equity capital to assets | 15.1731% | 754 |
| Core capital (leverage) ratio | 14.8218% | 726 |
| Tier 1 risk-based capital ratio | 19.0730% | 1,495 |
| Total risk-based capital ratio | 20.0185% | 1,539 |
| Memoranda: | ||
| Average total assets | $312,370,800 | 2,091 |
| Average earning assets | $277,799,600 | 2,161 |
| Average equity | $44,475,400 | 1,772 |
| Average total loans | $230,104,200 | 1,955 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 2,222 |
| Cost of funding earning assets | 0.8820% | 2,311 |
| Net interest margin | 3.8870% | 2,306 |
| Noninterest income to average assets | 0.2690% | 4,131 |
| Noninterest expense to average assets | 1.9918% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2976% | 1,870 |
| Return on assets (ROA) | 1.2976% | 1,954 |
| Pretax return on assets | 1.7385% | 1,228 |
| Return on Equity (ROE) | 9.2612% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.8910% | 2,942 |
| Net charge-offs to loans | -0.0006% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3955% | 4,455 |
| Assets per employee ($millions) | 9.1138% | 465 |
| Cash dividends to net income (ytd only)* | 47.1877% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.1393% | 1,973 |
| Net loans and leases to deposits | 87.4577% | 2,001 |
| Net loans and leases to core deposits | 92.0192% | 2,369 |
| Total domestic deposits to total assets | 83.6282% | 2,961 |
| Equity capital to assets | 15.0531% | 836 |
| Core capital (leverage) ratio | 14.1143% | 955 |
| Tier 1 risk-based capital ratio | 18.4176% | 1,706 |
| Total risk-based capital ratio | 19.4330% | 1,726 |
| Memoranda: | ||
| Average total assets | $314,215,250 | 2,087 |
| Average earning assets | $279,798,750 | 2,162 |
| Average equity | $44,025,000 | 1,796 |
| Average total loans | $232,595,000 | 1,957 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 2,328 |
| Cost of funding earning assets | 0.8547% | 2,378 |
| Net interest margin | 3.8569% | 2,384 |
| Noninterest income to average assets | 0.1983% | 4,569 |
| Noninterest expense to average assets | 1.9874% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2174% | 2,083 |
| Return on assets (ROA) | 1.2174% | 2,142 |
| Pretax return on assets | 1.6316% | 1,452 |
| Return on Equity (ROE) | 8.8972% | 2,897 |
| Retained earnings to average equity (ytd only) | 2.2793% | 4,023 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9159% | 4,370 |
| Assets per employee ($millions) | 9.4232% | 404 |
| Cash dividends to net income (ytd only)* | 74.3814% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.6368% | 2,127 |
| Net loans and leases to deposits | 85.5262% | 2,309 |
| Net loans and leases to core deposits | 89.7985% | 2,617 |
| Total domestic deposits to total assets | 84.9293% | 2,506 |
| Equity capital to assets | 13.7798% | 1,205 |
| Core capital (leverage) ratio | 13.9411% | 985 |
| Tier 1 risk-based capital ratio | 17.0562% | 2,070 |
| Total risk-based capital ratio | 18.0200% | 2,097 |
| Memoranda: | ||
| Average total assets | $318,702,000 | 2,057 |
| Average earning assets | $282,665,000 | 2,150 |
| Average equity | $43,609,000 | 1,806 |
| Average total loans | $235,999,330 | 1,934 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 2,371 |
| Cost of funding earning assets | 0.7852% | 2,626 |
| Net interest margin | 3.8665% | 2,291 |
| Noninterest income to average assets | 0.2013% | 4,550 |
| Noninterest expense to average assets | 1.9908% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2219% | 1,976 |
| Return on assets (ROA) | 1.2219% | 2,022 |
| Pretax return on assets | 1.6372% | 1,379 |
| Return on Equity (ROE) | 8.9619% | 2,828 |
| Retained earnings to average equity (ytd only) | -4.3564% | 4,892 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8734% | 4,447 |
| Assets per employee ($millions) | 9.4936% | 400 |
| Cash dividends to net income (ytd only)* | 148.6097% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.7464% | 2,036 |
| Net loans and leases to deposits | 85.4810% | 2,190 |
| Net loans and leases to core deposits | 89.6945% | 2,533 |
| Total domestic deposits to total assets | 85.1024% | 2,648 |
| Equity capital to assets | 13.3579% | 1,265 |
| Core capital (leverage) ratio | 13.5547% | 1,076 |
| Tier 1 risk-based capital ratio | 16.3705% | 2,312 |
| Total risk-based capital ratio | 17.3163% | 2,358 |
| Memoranda: | ||
| Average total assets | $317,858,000 | 2,073 |
| Average earning assets | $281,698,500 | 2,167 |
| Average equity | $43,339,000 | 1,806 |
| Average total loans | $236,433,000 | 1,946 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 1,765 |
| Cost of funding earning assets | 0.5080% | 3,302 |
| Net interest margin | 4.2093% | 1,369 |
| Noninterest income to average assets | 0.2334% | 4,517 |
| Noninterest expense to average assets | 2.0855% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4154% | 1,378 |
| Return on assets (ROA) | 1.4154% | 1,371 |
| Pretax return on assets | 1.8799% | 752 |
| Return on Equity (ROE) | 10.1743% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.7060% | 1,816 |
| Net charge-offs to loans | -0.0008% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5930% | 4,747 |
| Assets per employee ($millions) | 9.2039% | 434 |
| Cash dividends to net income (ytd only)* | 34.0893% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.5307% | 1,834 |
| Net loans and leases to deposits | 88.5298% | 1,990 |
| Net loans and leases to core deposits | 91.2602% | 2,472 |
| Total domestic deposits to total assets | 84.1870% | 2,942 |
| Equity capital to assets | 13.9202% | 999 |
| Core capital (leverage) ratio | 13.6899% | 1,013 |
| Tier 1 risk-based capital ratio | 16.6249% | 2,196 |
| Total risk-based capital ratio | 17.5750% | 2,241 |
| Memoranda: | ||
| Average total assets | $299,066,200 | 2,164 |
| Average earning assets | $265,149,400 | 2,226 |
| Average equity | $41,604,800 | 1,796 |
| Average total loans | $238,276,400 | 1,891 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,848 |
| Cost of funding earning assets | 0.4434% | 3,575 |
| Net interest margin | 4.2033% | 1,352 |
| Noninterest income to average assets | 0.2454% | 4,508 |
| Noninterest expense to average assets | 2.1064% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3937% | 1,511 |
| Return on assets (ROA) | 1.3937% | 1,511 |
| Pretax return on assets | 1.8673% | 865 |
| Return on Equity (ROE) | 10.0202% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.3409% | 3,038 |
| Net charge-offs to loans | -0.0011% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0079% | 4,705 |
| Assets per employee ($millions) | 8.8837% | 463 |
| Cash dividends to net income (ytd only)* | 46.6989% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.3686% | 1,608 |
| Net loans and leases to deposits | 90.2382% | 1,866 |
| Net loans and leases to core deposits | 92.6671% | 2,419 |
| Total domestic deposits to total assets | 84.6299% | 2,748 |
| Equity capital to assets | 13.6247% | 1,090 |
| Core capital (leverage) ratio | 13.9522% | 949 |
| Tier 1 risk-based capital ratio | 16.0174% | 2,445 |
| Total risk-based capital ratio | 16.9574% | 2,497 |
| Memoranda: | ||
| Average total assets | $295,599,500 | 2,193 |
| Average earning assets | $262,203,250 | 2,254 |
| Average equity | $41,115,750 | 1,818 |
| Average total loans | $238,935,000 | 1,894 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,756 |
| Cost of funding earning assets | 0.4139% | 3,612 |
| Net interest margin | 4.1945% | 1,300 |
| Noninterest income to average assets | 0.1763% | 4,939 |
| Noninterest expense to average assets | 2.1688% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2889% | 1,820 |
| Return on assets (ROA) | 1.2889% | 1,818 |
| Pretax return on assets | 1.7267% | 1,151 |
| Return on Equity (ROE) | 9.1990% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.1081% | 4,426 |
| Net charge-offs to loans | -0.0017% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6734% | 4,520 |
| Assets per employee ($millions) | 8.4839% | 524 |
| Cash dividends to net income (ytd only)* | 77.0833% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.7404% | 895 |
| Net loans and leases to deposits | 95.8773% | 1,155 |
| Net loans and leases to core deposits | 97.8895% | 1,898 |
| Total domestic deposits to total assets | 84.2121% | 2,984 |
| Equity capital to assets | 13.8615% | 966 |
| Core capital (leverage) ratio | 14.1252% | 874 |
| Tier 1 risk-based capital ratio | 15.4712% | 2,650 |
| Total risk-based capital ratio | 16.4059% | 2,720 |
| Memoranda: | ||
| Average total assets | $290,489,670 | 2,229 |
| Average earning assets | $257,574,000 | 2,300 |
| Average equity | $40,700,000 | 1,835 |
| Average total loans | $238,625,670 | 1,898 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,761 |
| Cost of funding earning assets | 0.3883% | 3,675 |
| Net interest margin | 4.1457% | 1,311 |
| Noninterest income to average assets | 0.1699% | 5,005 |
| Noninterest expense to average assets | 2.2223% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2198% | 1,926 |
| Return on assets (ROA) | 1.2198% | 1,934 |
| Pretax return on assets | 1.6347% | 1,285 |
| Return on Equity (ROE) | 8.6583% | 3,083 |
| Retained earnings to average equity (ytd only) | -5.6042% | 5,231 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6173% | 4,397 |
| Assets per employee ($millions) | 8.2873% | 566 |
| Cash dividends to net income (ytd only)* | 164.7260% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.1423% | 772 |
| Net loans and leases to deposits | 96.1567% | 1,023 |
| Net loans and leases to core deposits | 106.3505% | 1,212 |
| Total domestic deposits to total assets | 84.3855% | 3,154 |
| Equity capital to assets | 13.8456% | 932 |
| Core capital (leverage) ratio | 13.9941% | 879 |
| Tier 1 risk-based capital ratio | 15.6581% | 2,611 |
| Total risk-based capital ratio | 16.6268% | 2,648 |
| Memoranda: | ||
| Average total assets | $287,266,000 | 2,262 |
| Average earning assets | $255,492,000 | 2,325 |
| Average equity | $40,470,000 | 1,853 |
| Average total loans | $236,859,000 | 1,916 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,802 |
| Cost of funding earning assets | 0.3320% | 3,854 |
| Net interest margin | 4.1426% | 1,317 |
| Noninterest income to average assets | 0.2420% | 4,685 |
| Noninterest expense to average assets | 2.1929% | 4,544 |
| Loan and lease loss provision to assets | 0.0725% | 2,761 |
| Net operating income to assets | 0.9487% | 2,454 |
| Return on assets (ROA) | 0.9487% | 2,484 |
| Pretax return on assets | 1.7799% | 833 |
| Return on Equity (ROE) | 6.9258% | 3,318 |
| Retained earnings to average equity (ytd only) | 6.9258% | 1,110 |
| Net charge-offs to loans | 0.0427% | 2,937 |
| Credit loss provision to net charge-offs | 209.0000% | 1,309 |
| Earnings coverage of net charge-offs (x) | 53.4200% | 1,043 |
| Efficiency ratio | 54.2088% | 4,935 |
| Assets per employee ($millions) | 7.6885% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 82.0954% | 670 |
| Net loans and leases to deposits | 97.7106% | 922 |
| Net loans and leases to core deposits | 108.5318% | 1,096 |
| Total domestic deposits to total assets | 84.0190% | 3,202 |
| Equity capital to assets | 14.3352% | 823 |
| Core capital (leverage) ratio | 13.8965% | 859 |
| Tier 1 risk-based capital ratio | 15.8747% | 2,481 |
| Total risk-based capital ratio | 16.8479% | 2,526 |
| Memoranda: | ||
| Average total assets | $288,385,200 | 2,236 |
| Average earning assets | $264,758,400 | 2,254 |
| Average equity | $39,504,200 | 1,876 |
| Average total loans | $234,244,400 | 1,909 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,910 |
| Cost of funding earning assets | 0.3274% | 3,870 |
| Net interest margin | 4.0913% | 1,414 |
| Noninterest income to average assets | 0.2613% | 4,639 |
| Noninterest expense to average assets | 2.1661% | 4,602 |
| Loan and lease loss provision to assets | 0.0963% | 2,175 |
| Net operating income to assets | 1.0791% | 2,181 |
| Return on assets (ROA) | 1.0791% | 2,237 |
| Pretax return on assets | 1.7698% | 960 |
| Return on Equity (ROE) | 7.9688% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.9688% | 1,236 |
| Net charge-offs to loans | 0.0570% | 2,320 |
| Credit loss provision to net charge-offs | 209.0000% | 1,305 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,285 |
| Efficiency ratio | 53.7196% | 4,949 |
| Assets per employee ($millions) | 8.0039% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 79.7480% | 1,022 |
| Net loans and leases to deposits | 93.8586% | 1,315 |
| Net loans and leases to core deposits | 103.5697% | 1,422 |
| Total domestic deposits to total assets | 84.9661% | 2,724 |
| Equity capital to assets | 13.6542% | 1,096 |
| Core capital (leverage) ratio | 13.4472% | 1,043 |
| Tier 1 risk-based capital ratio | 15.5065% | 2,702 |
| Total risk-based capital ratio | 16.4617% | 2,762 |
| Memoranda: | ||
| Average total assets | $289,362,750 | 2,238 |
| Average earning assets | $266,707,500 | 2,244 |
| Average equity | $39,185,250 | 1,907 |
| Average total loans | $233,818,000 | 1,919 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 2,018 |
| Cost of funding earning assets | 0.3197% | 3,880 |
| Net interest margin | 4.0162% | 1,553 |
| Noninterest income to average assets | 0.1825% | 5,139 |
| Noninterest expense to average assets | 2.1762% | 4,607 |
| Loan and lease loss provision to assets | 0.0697% | 2,582 |
| Net operating income to assets | 1.0157% | 2,352 |
| Return on assets (ROA) | 1.0157% | 2,393 |
| Pretax return on assets | 1.6475% | 1,201 |
| Return on Equity (ROE) | 7.5216% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.5216% | 1,342 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8955% | 4,839 |
| Assets per employee ($millions) | 8.1528% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,149 |
| Loan loss allowance to noncurrent loans | 246.9136% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,832 |
| Noncurrent loans to loans | 0.4050% | 3,577 |
| Net loans and leases to total assets | 78.7708% | 1,127 |
| Net loans and leases to deposits | 92.1074% | 1,477 |
| Net loans and leases to core deposits | 101.4911% | 1,550 |
| Total domestic deposits to total assets | 85.5205% | 2,606 |
| Equity capital to assets | 13.1150% | 1,320 |
| Core capital (leverage) ratio | 13.1629% | 1,115 |
| Tier 1 risk-based capital ratio | 14.8773% | 2,982 |
| Total risk-based capital ratio | 15.8108% | 3,050 |
| Memoranda: | ||
| Average total assets | $287,102,330 | 2,262 |
| Average earning assets | $265,275,330 | 2,266 |
| Average equity | $38,768,330 | 1,926 |
| Average total loans | $232,231,330 | 1,934 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 2,074 |
| Cost of funding earning assets | 0.3124% | 3,923 |
| Net interest margin | 3.9461% | 1,616 |
| Noninterest income to average assets | 0.1758% | 5,222 |
| Noninterest expense to average assets | 2.2443% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9949% | 2,330 |
| Return on assets (ROA) | 0.9949% | 2,381 |
| Pretax return on assets | 1.5796% | 1,289 |
| Return on Equity (ROE) | 7.2554% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.2554% | 1,766 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6916% | 4,632 |
| Assets per employee ($millions) | 7.9308% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,195 |
| Loan loss allowance to noncurrent loans | 231.1558% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,837 |
| Noncurrent loans to loans | 0.4389% | 3,521 |
| Net loans and leases to total assets | 76.4655% | 1,330 |
| Net loans and leases to deposits | 89.8034% | 1,563 |
| Net loans and leases to core deposits | 94.5706% | 1,926 |
| Total domestic deposits to total assets | 85.1476% | 3,030 |
| Equity capital to assets | 13.2115% | 1,179 |
| Core capital (leverage) ratio | 13.8166% | 887 |
| Tier 1 risk-based capital ratio | 15.6592% | 2,686 |
| Total risk-based capital ratio | 16.6207% | 2,740 |
| Memoranda: | ||
| Average total assets | $279,826,000 | 2,328 |
| Average earning assets | $258,683,500 | 2,326 |
| Average equity | $38,371,500 | 1,944 |
| Average total loans | $228,339,000 | 1,964 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,059 |
| Cost of funding earning assets | 0.3150% | 3,898 |
| Net interest margin | 4.0103% | 1,609 |
| Noninterest income to average assets | 0.2538% | 4,900 |
| Noninterest expense to average assets | 2.2252% | 4,713 |
| Loan and lease loss provision to assets | 0.0900% | 2,567 |
| Net operating income to assets | 1.0740% | 2,017 |
| Return on assets (ROA) | 1.0971% | 2,009 |
| Pretax return on assets | 1.6843% | 1,045 |
| Return on Equity (ROE) | 8.3275% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.3275% | 754 |
| Net charge-offs to loans | 0.0369% | 3,287 |
| Credit loss provision to net charge-offs | 303.6585% | 973 |
| Earnings coverage of net charge-offs (x) | 58.6463% | 910 |
| Efficiency ratio | 56.1343% | 5,056 |
| Assets per employee ($millions) | 7.6060% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,328 |
| Loan loss allowance to noncurrent loans | 228.6282% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,761 |
| Noncurrent loans to loans | 0.4374% | 3,577 |
| Net loans and leases to total assets | 85.5325% | 264 |
| Net loans and leases to deposits | 102.1626% | 528 |
| Net loans and leases to core deposits | 108.6595% | 980 |
| Total domestic deposits to total assets | 83.7219% | 3,529 |
| Equity capital to assets | 14.2650% | 803 |
| Core capital (leverage) ratio | 13.8840% | 846 |
| Tier 1 risk-based capital ratio | 15.3187% | 2,834 |
| Total risk-based capital ratio | 16.2765% | 2,888 |
| Memoranda: | ||
| Average total assets | $276,555,200 | 2,305 |
| Average earning assets | $255,863,800 | 2,314 |
| Average equity | $36,433,400 | 2,005 |
| Average total loans | $222,337,600 | 1,962 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,302 |
| Cost of funding earning assets | 0.3134% | 3,936 |
| Net interest margin | 3.9469% | 1,826 |
| Noninterest income to average assets | 0.2727% | 4,822 |
| Noninterest expense to average assets | 2.2244% | 4,704 |
| Loan and lease loss provision to assets | 0.0965% | 2,299 |
| Net operating income to assets | 0.9760% | 2,541 |
| Return on assets (ROA) | 1.0059% | 2,542 |
| Pretax return on assets | 1.6498% | 1,250 |
| Return on Equity (ROE) | 7.7894% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.7894% | 1,261 |
| Net charge-offs to loans | 0.0508% | 2,645 |
| Credit loss provision to net charge-offs | 240.4762% | 1,232 |
| Earnings coverage of net charge-offs (x) | 42.3561% | 1,192 |
| Efficiency ratio | 56.6890% | 4,996 |
| Assets per employee ($millions) | 8.1636% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.2848% | 848 |
| Net loans and leases to deposits | 94.7212% | 1,177 |
| Net loans and leases to core deposits | 100.5192% | 1,583 |
| Total domestic deposits to total assets | 84.7591% | 2,909 |
| Equity capital to assets | 13.4117% | 1,285 |
| Core capital (leverage) ratio | 13.6879% | 945 |
| Tier 1 risk-based capital ratio | 15.3348% | 2,899 |
| Total risk-based capital ratio | 16.2973% | 2,965 |
| Memoranda: | ||
| Average total assets | $279,141,250 | 2,296 |
| Average earning assets | $258,223,000 | 2,301 |
| Average equity | $36,048,000 | 2,032 |
| Average total loans | $220,422,750 | 1,975 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 2,471 |
| Cost of funding earning assets | 0.3165% | 3,949 |
| Net interest margin | 3.8968% | 1,987 |
| Noninterest income to average assets | 0.1938% | 5,336 |
| Noninterest expense to average assets | 2.2212% | 4,797 |
| Loan and lease loss provision to assets | 0.0844% | 2,455 |
| Net operating income to assets | 0.9032% | 2,846 |
| Return on assets (ROA) | 0.9032% | 2,977 |
| Pretax return on assets | 1.4810% | 1,735 |
| Return on Equity (ROE) | 7.0845% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.0845% | 1,562 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6591% | 4,816 |
| Assets per employee ($millions) | 7.5920% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,523 |
| Loan loss allowance to noncurrent loans | 214.1770% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 3,954 |
| Noncurrent loans to loans | 0.4669% | 3,690 |
| Net loans and leases to total assets | 81.5401% | 678 |
| Net loans and leases to deposits | 96.1345% | 1,068 |
| Net loans and leases to core deposits | 102.0894% | 1,462 |
| Total domestic deposits to total assets | 84.8188% | 2,957 |
| Equity capital to assets | 13.3445% | 1,307 |
| Core capital (leverage) ratio | 13.1227% | 1,110 |
| Tier 1 risk-based capital ratio | 15.0110% | 3,075 |
| Total risk-based capital ratio | 15.9751% | 3,142 |
| Memoranda: | ||
| Average total assets | $279,667,330 | 2,304 |
| Average earning assets | $257,850,330 | 2,313 |
| Average equity | $35,655,330 | 2,049 |
| Average total loans | $218,866,330 | 1,993 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 2,956 |
| Cost of funding earning assets | 0.3197% | 3,950 |
| Net interest margin | 3.7530% | 2,467 |
| Noninterest income to average assets | 0.1881% | 5,380 |
| Noninterest expense to average assets | 2.1722% | 4,971 |
| Loan and lease loss provision to assets | 0.0792% | 2,377 |
| Net operating income to assets | 0.8358% | 3,058 |
| Return on assets (ROA) | 0.8358% | 3,187 |
| Pretax return on assets | 1.3732% | 1,987 |
| Return on Equity (ROE) | 6.7070% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.7070% | 2,026 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9298% | 4,756 |
| Assets per employee ($millions) | 7.6159% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,604 |
| Loan loss allowance to noncurrent loans | 135.8783% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 3,398 |
| Noncurrent loans to loans | 0.7372% | 2,991 |
| Net loans and leases to total assets | 74.7569% | 1,605 |
| Net loans and leases to deposits | 87.0414% | 1,941 |
| Net loans and leases to core deposits | 91.9480% | 2,187 |
| Total domestic deposits to total assets | 85.8866% | 2,716 |
| Equity capital to assets | 12.3204% | 1,813 |
| Core capital (leverage) ratio | 12.3478% | 1,412 |
| Tier 1 risk-based capital ratio | 15.0092% | 3,152 |
| Total risk-based capital ratio | 15.9651% | 3,223 |
| Memoranda: | ||
| Average total assets | $282,845,500 | 2,292 |
| Average earning assets | $258,994,000 | 2,315 |
| Average equity | $35,247,000 | 2,069 |
| Average total loans | $215,745,000 | 2,016 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,528 |
| Cost of funding earning assets | 0.3251% | 3,965 |
| Net interest margin | 3.6249% | 3,037 |
| Noninterest income to average assets | 0.2823% | 4,866 |
| Noninterest expense to average assets | 2.2853% | 4,832 |
| Loan and lease loss provision to assets | 0.1400% | 1,694 |
| Net operating income to assets | 0.7827% | 3,409 |
| Return on assets (ROA) | 0.8862% | 3,033 |
| Pretax return on assets | 1.3225% | 2,191 |
| Return on Equity (ROE) | 7.1294% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.1294% | 1,226 |
| Net charge-offs to loans | 0.0859% | 2,597 |
| Credit loss provision to net charge-offs | 226.1905% | 1,254 |
| Earnings coverage of net charge-offs (x) | 21.1310% | 1,830 |
| Efficiency ratio | 63.5972% | 4,355 |
| Assets per employee ($millions) | 7.2707% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,606 |
| Loan loss allowance to noncurrent loans | 108.4944% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 2,920 |
| Noncurrent loans to loans | 0.9232% | 2,493 |
| Net loans and leases to total assets | 76.3042% | 1,361 |
| Net loans and leases to deposits | 89.1826% | 1,724 |
| Net loans and leases to core deposits | 96.5275% | 1,796 |
| Total domestic deposits to total assets | 85.5595% | 2,835 |
| Equity capital to assets | 12.6094% | 1,557 |
| Core capital (leverage) ratio | 12.5044% | 1,351 |
| Tier 1 risk-based capital ratio | 15.2339% | 3,062 |
| Total risk-based capital ratio | 16.1962% | 3,134 |
| Memoranda: | ||
| Average total assets | $271,388,200 | 2,333 |
| Average earning assets | $247,894,800 | 2,359 |
| Average equity | $33,733,400 | 2,111 |
| Average total loans | $195,476,800 | 2,117 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,812 |
| Cost of funding earning assets | 0.3246% | 4,052 |
| Net interest margin | 3.5550% | 3,322 |
| Noninterest income to average assets | 0.3060% | 4,752 |
| Noninterest expense to average assets | 2.2914% | 4,801 |
| Loan and lease loss provision to assets | 0.1525% | 1,427 |
| Net operating income to assets | 0.6716% | 4,030 |
| Return on assets (ROA) | 0.8039% | 3,508 |
| Pretax return on assets | 1.3172% | 2,326 |
| Return on Equity (ROE) | 6.4917% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.4917% | 1,964 |
| Net charge-offs to loans | 0.1172% | 1,955 |
| Credit loss provision to net charge-offs | 183.9286% | 1,444 |
| Earnings coverage of net charge-offs (x) | 15.2324% | 2,196 |
| Efficiency ratio | 64.4682% | 4,165 |
| Assets per employee ($millions) | 7.2462% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 4,675 |
| Loan loss allowance to noncurrent loans | 104.3522% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 3,116 |
| Noncurrent loans to loans | 0.9715% | 2,555 |
| Net loans and leases to total assets | 73.1170% | 1,887 |
| Net loans and leases to deposits | 84.9574% | 2,290 |
| Net loans and leases to core deposits | 90.9235% | 2,363 |
| Total domestic deposits to total assets | 86.0631% | 2,493 |
| Equity capital to assets | 12.4334% | 1,783 |
| Core capital (leverage) ratio | 12.6170% | 1,354 |
| Tier 1 risk-based capital ratio | 15.3281% | 3,128 |
| Total risk-based capital ratio | 16.2866% | 3,210 |
| Memoranda: | ||
| Average total assets | $270,164,000 | 2,351 |
| Average earning assets | $246,856,250 | 2,391 |
| Average equity | $33,457,250 | 2,136 |
| Average total loans | $191,108,500 | 2,168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,037 |
| Cost of funding earning assets | 0.3253% | 4,096 |
| Net interest margin | 3.4819% | 3,571 |
| Noninterest income to average assets | 0.2481% | 5,172 |
| Noninterest expense to average assets | 2.3127% | 4,815 |
| Loan and lease loss provision to assets | 0.1505% | 1,416 |
| Net operating income to assets | 0.5975% | 4,355 |
| Return on assets (ROA) | 0.7406% | 3,791 |
| Pretax return on assets | 1.1906% | 2,812 |
| Return on Equity (ROE) | 5.9884% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.9884% | 2,250 |
| Net charge-offs to loans | 0.1797% | 1,379 |
| Credit loss provision to net charge-offs | 120.2381% | 1,803 |
| Earnings coverage of net charge-offs (x) | 8.9286% | 2,512 |
| Efficiency ratio | 67.4196% | 3,764 |
| Assets per employee ($millions) | 6.9560% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,873 |
| Loan loss allowance to noncurrent loans | 49.4561% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4571% | 1,703 |
| Noncurrent loans to loans | 2.0227% | 1,202 |
| Net loans and leases to total assets | 71.3195% | 2,105 |
| Net loans and leases to deposits | 82.7721% | 2,467 |
| Net loans and leases to core deposits | 88.6120% | 2,496 |
| Total domestic deposits to total assets | 86.1636% | 2,599 |
| Equity capital to assets | 12.3298% | 1,783 |
| Core capital (leverage) ratio | 12.3584% | 1,455 |
| Tier 1 risk-based capital ratio | 15.7426% | 2,983 |
| Total risk-based capital ratio | 16.6956% | 3,073 |
| Memoranda: | ||
| Average total assets | $268,433,330 | 2,387 |
| Average earning assets | $245,329,330 | 2,416 |
| Average equity | $33,197,670 | 2,161 |
| Average total loans | $187,013,330 | 2,210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,401 |
| Cost of funding earning assets | 0.3243% | 4,171 |
| Net interest margin | 3.3661% | 3,967 |
| Noninterest income to average assets | 0.1813% | 5,631 |
| Noninterest expense to average assets | 2.2621% | 4,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6247% | 4,175 |
| Return on assets (ROA) | 0.8644% | 3,052 |
| Pretax return on assets | 1.3722% | 1,988 |
| Return on Equity (ROE) | 6.9787% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.9787% | 2,021 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3934% | 3,600 |
| Assets per employee ($millions) | 7.2289% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,886 |
| Loan loss allowance to noncurrent loans | 34.0361% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1102% | 1,093 |
| Noncurrent loans to loans | 3.0184% | 711 |
| Net loans and leases to total assets | 69.1922% | 2,253 |
| Net loans and leases to deposits | 80.6027% | 2,488 |
| Net loans and leases to core deposits | 86.1350% | 2,536 |
| Total domestic deposits to total assets | 85.8435% | 3,016 |
| Equity capital to assets | 12.4662% | 1,713 |
| Core capital (leverage) ratio | 12.3278% | 1,439 |
| Tier 1 risk-based capital ratio | 16.5705% | 2,655 |
| Total risk-based capital ratio | 17.5691% | 2,712 |
| Memoranda: | ||
| Average total assets | $267,007,500 | 2,410 |
| Average earning assets | $244,202,000 | 2,437 |
| Average equity | $33,072,000 | 2,174 |
| Average total loans | $182,803,000 | 2,255 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 4,492 |
| Cost of funding earning assets | 0.3346% | 4,440 |
| Net interest margin | 3.4656% | 3,917 |
| Noninterest income to average assets | 0.3214% | 4,820 |
| Noninterest expense to average assets | 2.3015% | 5,111 |
| Loan and lease loss provision to assets | 0.0390% | 3,791 |
| Net operating income to assets | 0.7625% | 3,554 |
| Return on assets (ROA) | 0.7924% | 3,506 |
| Pretax return on assets | 1.2100% | 2,614 |
| Return on Equity (ROE) | 6.4526% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.4526% | 1,674 |
| Net charge-offs to loans | -0.0053% | 5,467 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6736% | 4,310 |
| Assets per employee ($millions) | 7.0144% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 4,663 |
| Loan loss allowance to noncurrent loans | 47.5377% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 1,794 |
| Noncurrent loans to loans | 2.2624% | 1,157 |
| Net loans and leases to total assets | 66.2911% | 2,838 |
| Net loans and leases to deposits | 76.9301% | 3,098 |
| Net loans and leases to core deposits | 82.0263% | 3,105 |
| Total domestic deposits to total assets | 86.1705% | 2,739 |
| Equity capital to assets | 12.3059% | 1,776 |
| Core capital (leverage) ratio | 11.9714% | 1,641 |
| Tier 1 risk-based capital ratio | 16.5718% | 2,686 |
| Total risk-based capital ratio | 17.5882% | 2,739 |
| Memoranda: | ||
| Average total assets | $256,702,800 | 2,465 |
| Average earning assets | $235,771,800 | 2,459 |
| Average equity | $31,522,000 | 2,192 |
| Average total loans | $170,440,400 | 2,318 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,709 |
| Cost of funding earning assets | 0.3297% | 4,569 |
| Net interest margin | 3.4220% | 4,138 |
| Noninterest income to average assets | 0.2785% | 5,209 |
| Noninterest expense to average assets | 2.2949% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7232% | 3,822 |
| Return on assets (ROA) | 0.7400% | 3,837 |
| Pretax return on assets | 1.1564% | 2,964 |
| Return on Equity (ROE) | 6.0293% | 4,216 |
| Retained earnings to average equity (ytd only) | 6.0293% | 2,394 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0035% | 4,044 |
| Assets per employee ($millions) | 7.6050% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 5,162 |
| Loan loss allowance to noncurrent loans | 43.8635% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4681% | 2,098 |
| Noncurrent loans to loans | 2.3062% | 1,299 |
| Net loans and leases to total assets | 63.0160% | 3,340 |
| Net loans and leases to deposits | 72.1490% | 3,671 |
| Net loans and leases to core deposits | 76.6935% | 3,669 |
| Total domestic deposits to total assets | 87.3415% | 2,131 |
| Equity capital to assets | 11.3624% | 2,616 |
| Core capital (leverage) ratio | 12.0653% | 1,661 |
| Tier 1 risk-based capital ratio | 16.1486% | 2,983 |
| Total risk-based capital ratio | 17.1035% | 3,071 |
| Memoranda: | ||
| Average total assets | $254,241,750 | 2,506 |
| Average earning assets | $233,773,500 | 2,500 |
| Average equity | $31,202,250 | 2,216 |
| Average total loans | $168,396,000 | 2,352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 4,480 |
| Cost of funding earning assets | 0.3292% | 4,651 |
| Net interest margin | 3.4832% | 3,845 |
| Noninterest income to average assets | 0.2292% | 5,565 |
| Noninterest expense to average assets | 2.3826% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6607% | 4,042 |
| Return on assets (ROA) | 0.6607% | 4,140 |
| Pretax return on assets | 1.0481% | 3,289 |
| Return on Equity (ROE) | 5.2350% | 4,563 |
| Retained earnings to average equity (ytd only) | 5.2350% | 2,809 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4484% | 3,749 |
| Assets per employee ($millions) | 6.5403% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,117 |
| Loan loss allowance to noncurrent loans | 40.0088% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7756% | 1,827 |
| Noncurrent loans to loans | 2.6223% | 1,161 |
| Net loans and leases to total assets | 67.0002% | 2,576 |
| Net loans and leases to deposits | 77.6897% | 2,839 |
| Net loans and leases to core deposits | 82.5104% | 2,911 |
| Total domestic deposits to total assets | 86.2407% | 2,905 |
| Equity capital to assets | 12.3440% | 1,744 |
| Core capital (leverage) ratio | 12.5713% | 1,357 |
| Tier 1 risk-based capital ratio | 16.6460% | 2,764 |
| Total risk-based capital ratio | 17.6491% | 2,835 |
| Memoranda: | ||
| Average total assets | $245,194,330 | 2,585 |
| Average earning assets | $225,365,670 | 2,587 |
| Average equity | $30,945,670 | 2,220 |
| Average total loans | $164,818,330 | 2,398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,589 |
| Cost of funding earning assets | 0.3298% | 4,737 |
| Net interest margin | 3.4449% | 3,921 |
| Noninterest income to average assets | 0.2231% | 5,570 |
| Noninterest expense to average assets | 2.4008% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6227% | 4,079 |
| Return on assets (ROA) | 0.6227% | 4,165 |
| Pretax return on assets | 0.9873% | 3,374 |
| Return on Equity (ROE) | 4.8769% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.8769% | 3,186 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8600% | 3,676 |
| Assets per employee ($millions) | 6.7436% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 4,998 |
| Loan loss allowance to noncurrent loans | 39.7892% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 1.8758% | 1,840 |
| Noncurrent loans to loans | 2.8333% | 1,164 |
| Net loans and leases to total assets | 65.4599% | 2,643 |
| Net loans and leases to deposits | 76.4182% | 2,765 |
| Net loans and leases to core deposits | 82.5414% | 2,686 |
| Total domestic deposits to total assets | 85.6601% | 3,528 |
| Equity capital to assets | 12.7355% | 1,441 |
| Core capital (leverage) ratio | 12.6940% | 1,298 |
| Tier 1 risk-based capital ratio | 17.6226% | 2,441 |
| Total risk-based capital ratio | 18.6993% | 2,464 |
| Memoranda: | ||
| Average total assets | $240,256,000 | 2,642 |
| Average earning assets | $220,735,000 | 2,646 |
| Average equity | $30,675,500 | 2,228 |
| Average total loans | $160,872,500 | 2,448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 3,552 |
| Cost of funding earning assets | 0.3943% | 4,712 |
| Net interest margin | 3.7528% | 2,835 |
| Noninterest income to average assets | 0.2774% | 5,369 |
| Noninterest expense to average assets | 2.3949% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7575% | 3,506 |
| Return on assets (ROA) | 0.7645% | 3,568 |
| Pretax return on assets | 1.1389% | 2,812 |
| Return on Equity (ROE) | 5.9467% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.9467% | 2,007 |
| Net charge-offs to loans | 0.0982% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 17.4765% | 1,711 |
| Efficiency ratio | 67.9705% | 4,205 |
| Assets per employee ($millions) | 6.7926% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,028 |
| Loan loss allowance to noncurrent loans | 39.6412% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 1,879 |
| Noncurrent loans to loans | 2.8388% | 1,235 |
| Net loans and leases to total assets | 66.9650% | 2,526 |
| Net loans and leases to deposits | 78.6107% | 2,648 |
| Net loans and leases to core deposits | 85.4021% | 2,522 |
| Total domestic deposits to total assets | 85.1856% | 3,650 |
| Equity capital to assets | 12.8009% | 1,368 |
| Core capital (leverage) ratio | 12.7226% | 1,249 |
| Tier 1 risk-based capital ratio | 17.5123% | 2,410 |
| Total risk-based capital ratio | 18.5954% | 2,450 |
| Memoranda: | ||
| Average total assets | $230,741,000 | 2,714 |
| Average earning assets | $199,586,600 | 2,829 |
| Average equity | $29,663,400 | 2,274 |
| Average total loans | $151,690,000 | 2,537 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 3,270 |
| Cost of funding earning assets | 0.4111% | 4,711 |
| Net interest margin | 3.8191% | 2,575 |
| Noninterest income to average assets | 0.2905% | 5,369 |
| Noninterest expense to average assets | 2.3936% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7685% | 3,514 |
| Return on assets (ROA) | 0.7779% | 3,598 |
| Pretax return on assets | 1.1616% | 2,845 |
| Return on Equity (ROE) | 6.0442% | 4,166 |
| Retained earnings to average equity (ytd only) | 6.0442% | 2,380 |
| Net charge-offs to loans | 0.1348% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.0528% | 2,072 |
| Efficiency ratio | 67.5929% | 4,171 |
| Assets per employee ($millions) | 6.9146% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,010 |
| Loan loss allowance to noncurrent loans | 39.3649% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 1.9558% | 2,075 |
| Noncurrent loans to loans | 2.9759% | 1,362 |
| Net loans and leases to total assets | 64.9512% | 2,812 |
| Net loans and leases to deposits | 75.8505% | 2,981 |
| Net loans and leases to core deposits | 81.1484% | 2,980 |
| Total domestic deposits to total assets | 85.6305% | 3,438 |
| Equity capital to assets | 12.8144% | 1,414 |
| Core capital (leverage) ratio | 13.3186% | 1,093 |
| Tier 1 risk-based capital ratio | 18.0493% | 2,306 |
| Total risk-based capital ratio | 19.1802% | 2,315 |
| Memoranda: | ||
| Average total assets | $228,990,750 | 2,748 |
| Average earning assets | $194,909,000 | 2,914 |
| Average equity | $29,471,000 | 2,309 |
| Average total loans | $149,358,500 | 2,573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 2,761 |
| Cost of funding earning assets | 0.4530% | 4,403 |
| Net interest margin | 3.8975% | 2,217 |
| Noninterest income to average assets | 0.2388% | 5,739 |
| Noninterest expense to average assets | 2.4022% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7102% | 3,755 |
| Return on assets (ROA) | 0.7244% | 3,865 |
| Pretax return on assets | 1.0874% | 3,147 |
| Return on Equity (ROE) | 5.6200% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.6200% | 2,662 |
| Net charge-offs to loans | 0.1571% | 2,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.4310% | 2,155 |
| Efficiency ratio | 69.2581% | 3,968 |
| Assets per employee ($millions) | 6.9992% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,008 |
| Loan loss allowance to noncurrent loans | 42.0849% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 2,211 |
| Noncurrent loans to loans | 2.8463% | 1,589 |
| Net loans and leases to total assets | 67.9454% | 2,244 |
| Net loans and leases to deposits | 79.9798% | 2,320 |
| Net loans and leases to core deposits | 85.8189% | 2,351 |
| Total domestic deposits to total assets | 84.9532% | 3,910 |
| Equity capital to assets | 13.2109% | 1,255 |
| Core capital (leverage) ratio | 13.2465% | 1,071 |
| Tier 1 risk-based capital ratio | 18.0418% | 2,304 |
| Total risk-based capital ratio | 19.2131% | 2,292 |
| Memoranda: | ||
| Average total assets | $226,956,000 | 2,773 |
| Average earning assets | $188,070,670 | 3,016 |
| Average equity | $29,252,670 | 2,321 |
| Average total loans | $147,642,330 | 2,605 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 3,283 |
| Cost of funding earning assets | 0.5125% | 3,947 |
| Net interest margin | 3.6924% | 2,884 |
| Noninterest income to average assets | 0.2416% | 5,730 |
| Noninterest expense to average assets | 2.3498% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4990% | 4,673 |
| Return on assets (ROA) | 0.4990% | 4,824 |
| Pretax return on assets | 0.7932% | 4,194 |
| Return on Equity (ROE) | 3.9196% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.9196% | 3,881 |
| Net charge-offs to loans | -0.0194% | 5,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7632% | 3,129 |
| Assets per employee ($millions) | 6.7492% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,393 |
| Loan loss allowance to noncurrent loans | 33.7270% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 3.4287% | 1,251 |
| Noncurrent loans to loans | 4.0522% | 1,108 |
| Net loans and leases to total assets | 62.8693% | 2,906 |
| Net loans and leases to deposits | 73.1805% | 3,024 |
| Net loans and leases to core deposits | 78.2683% | 3,024 |
| Total domestic deposits to total assets | 85.9099% | 3,576 |
| Equity capital to assets | 12.7270% | 1,577 |
| Core capital (leverage) ratio | 12.8822% | 1,160 |
| Tier 1 risk-based capital ratio | 18.3270% | 2,254 |
| Total risk-based capital ratio | 19.5775% | 2,213 |
| Memoranda: | ||
| Average total assets | $228,447,000 | 2,797 |
| Average earning assets | $179,502,000 | 3,153 |
| Average equity | $29,084,500 | 2,370 |
| Average total loans | $144,451,000 | 2,657 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 1,635 |
| Cost of funding earning assets | 0.6508% | 3,909 |
| Net interest margin | 4.3218% | 1,345 |
| Noninterest income to average assets | 0.1376% | 6,348 |
| Noninterest expense to average assets | 2.5221% | 5,022 |
| Loan and lease loss provision to assets | 0.3204% | 2,130 |
| Net operating income to assets | 0.1712% | 5,838 |
| Return on assets (ROA) | 0.2279% | 5,903 |
| Pretax return on assets | 0.2847% | 5,845 |
| Return on Equity (ROE) | 1.7760% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.7760% | 4,965 |
| Net charge-offs to loans | 0.2748% | 3,282 |
| Credit loss provision to net charge-offs | 192.9348% | 1,357 |
| Earnings coverage of net charge-offs (x) | 3.2174% | 3,822 |
| Efficiency ratio | 82.5188% | 1,803 |
| Assets per employee ($millions) | 6.3173% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,187 |
| Loan loss allowance to noncurrent loans | 33.0787% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 3.5014% | 1,292 |
| Noncurrent loans to loans | 4.2220% | 1,066 |
| Net loans and leases to total assets | 61.8426% | 3,276 |
| Net loans and leases to deposits | 71.8754% | 3,431 |
| Net loans and leases to core deposits | 76.7861% | 3,431 |
| Total domestic deposits to total assets | 86.0413% | 3,340 |
| Equity capital to assets | 12.7359% | 1,573 |
| Core capital (leverage) ratio | 12.7372% | 1,226 |
| Tier 1 risk-based capital ratio | 17.6781% | 2,388 |
| Total risk-based capital ratio | 18.9281% | 2,349 |
| Memoranda: | ||
| Average total assets | $221,601,800 | 2,825 |
| Average earning assets | $149,661,000 | 3,561 |
| Average equity | $28,434,800 | 2,356 |
| Average total loans | $133,914,600 | 2,809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9955% | 1,705 |
| Cost of funding earning assets | 0.6516% | 4,185 |
| Net interest margin | 4.3439% | 1,363 |
| Noninterest income to average assets | 0.1036% | 6,607 |
| Noninterest expense to average assets | 2.6884% | 4,410 |
| Loan and lease loss provision to assets | 0.4300% | 1,474 |
| Net operating income to assets | -0.1281% | 6,432 |
| Return on assets (ROA) | -0.0672% | 6,476 |
| Pretax return on assets | 0.0194% | 6,378 |
| Return on Equity (ROE) | -0.5229% | 6,462 |
| Retained earnings to average equity (ytd only) | -0.5229% | 6,183 |
| Net charge-offs to loans | 0.3593% | 2,662 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 1.6479% | 4,452 |
| Efficiency ratio | 88.3559% | 1,157 |
| Assets per employee ($millions) | 6.1967% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 3,996 |
| Loan loss allowance to noncurrent loans | 36.8025% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 3.3123% | 1,536 |
| Noncurrent loans to loans | 4.0480% | 1,255 |
| Net loans and leases to total assets | 59.4316% | 3,887 |
| Net loans and leases to deposits | 68.9368% | 4,042 |
| Net loans and leases to core deposits | 74.1325% | 3,962 |
| Total domestic deposits to total assets | 86.2117% | 3,143 |
| Equity capital to assets | 12.7170% | 1,757 |
| Core capital (leverage) ratio | 12.6494% | 1,344 |
| Tier 1 risk-based capital ratio | 17.8595% | 2,403 |
| Total risk-based capital ratio | 19.1102% | 2,372 |
| Memoranda: | ||
| Average total assets | $220,147,000 | 2,854 |
| Average earning assets | $148,956,000 | 3,608 |
| Average equity | $28,302,500 | 2,383 |
| Average total loans | $131,734,500 | 2,882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 2,037 |
| Cost of funding earning assets | 0.6526% | 4,421 |
| Net interest margin | 4.2648% | 1,568 |
| Noninterest income to average assets | -0.0374% | 7,046 |
| Noninterest expense to average assets | 2.9968% | 3,267 |
| Loan and lease loss provision to assets | 0.6479% | 879 |
| Net operating income to assets | -0.5993% | 6,780 |
| Return on assets (ROA) | -0.4919% | 6,772 |
| Pretax return on assets | -0.6525% | 6,803 |
| Return on Equity (ROE) | -3.8118% | 6,716 |
| Retained earnings to average equity (ytd only) | -3.8118% | 6,537 |
| Net charge-offs to loans | 0.5215% | 2,025 |
| Credit loss provision to net charge-offs | 208.2111% | 1,357 |
| Earnings coverage of net charge-offs (x) | -0.4751% | 5,228 |
| Efficiency ratio | 105.1890% | 412 |
| Assets per employee ($millions) | 6.1962% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 4,048 |
| Loan loss allowance to noncurrent loans | 34.6669% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 3.4811% | 1,534 |
| Noncurrent loans to loans | 4.3037% | 1,252 |
| Net loans and leases to total assets | 59.7611% | 3,869 |
| Net loans and leases to deposits | 69.1545% | 4,019 |
| Net loans and leases to core deposits | 74.6397% | 3,941 |
| Total domestic deposits to total assets | 86.4168% | 3,127 |
| Equity capital to assets | 12.5175% | 1,804 |
| Core capital (leverage) ratio | 12.4343% | 1,383 |
| Tier 1 risk-based capital ratio | 17.6346% | 2,422 |
| Total risk-based capital ratio | 18.8853% | 2,394 |
| Memoranda: | ||
| Average total assets | $219,169,330 | 2,876 |
| Average earning assets | $148,330,330 | 3,637 |
| Average equity | $28,280,330 | 2,368 |
| Average total loans | $130,784,330 | 2,917 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 2,343 |
| Cost of funding earning assets | 0.6545% | 4,684 |
| Net interest margin | 4.2197% | 1,705 |
| Noninterest income to average assets | 0.2136% | 6,094 |
| Noninterest expense to average assets | 2.3533% | 5,617 |
| Loan and lease loss provision to assets | 0.9023% | 486 |
| Net operating income to assets | -0.1123% | 6,555 |
| Return on assets (ROA) | 0.0055% | 6,514 |
| Pretax return on assets | 0.0626% | 6,438 |
| Return on Equity (ROE) | 0.0422% | 6,517 |
| Retained earnings to average equity (ytd only) | 0.0422% | 5,962 |
| Net charge-offs to loans | 1.0520% | 986 |
| Credit loss provision to net charge-offs | 144.9704% | 1,707 |
| Earnings coverage of net charge-offs (x) | 1.2544% | 3,708 |
| Efficiency ratio | 75.0881% | 2,922 |
| Assets per employee ($millions) | 5.9622% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,550 |
| Loan loss allowance to noncurrent loans | 43.6214% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.2973% | 1,749 |
| Noncurrent loans to loans | 3.2396% | 1,979 |
| Net loans and leases to total assets | 56.9861% | 4,222 |
| Net loans and leases to deposits | 66.1647% | 4,353 |
| Net loans and leases to core deposits | 71.8984% | 4,166 |
| Total domestic deposits to total assets | 86.1276% | 3,458 |
| Equity capital to assets | 12.9078% | 1,479 |
| Core capital (leverage) ratio | 13.1498% | 1,067 |
| Tier 1 risk-based capital ratio | 18.5203% | 2,140 |
| Total risk-based capital ratio | 19.7304% | 2,124 |
| Memoranda: | ||
| Average total assets | $217,222,500 | 2,918 |
| Average earning assets | $150,342,000 | 3,613 |
| Average equity | $28,459,500 | 2,365 |
| Average total loans | $128,514,500 | 2,970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 2,493 |
| Cost of funding earning assets | 0.7169% | 5,420 |
| Net interest margin | 4.3729% | 1,471 |
| Noninterest income to average assets | 0.1897% | 6,145 |
| Noninterest expense to average assets | 2.3544% | 5,896 |
| Loan and lease loss provision to assets | 0.3625% | 2,832 |
| Net operating income to assets | 0.4807% | 4,506 |
| Return on assets (ROA) | 0.8375% | 3,045 |
| Pretax return on assets | 1.2948% | 2,150 |
| Return on Equity (ROE) | 6.7438% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.7438% | 1,617 |
| Net charge-offs to loans | 0.7866% | 2,186 |
| Credit loss provision to net charge-offs | 73.2719% | 4,726 |
| Earnings coverage of net charge-offs (x) | 2.2406% | 4,105 |
| Efficiency ratio | 67.9921% | 4,362 |
| Assets per employee ($millions) | 5.9401% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,044 |
| Loan loss allowance to noncurrent loans | 18.7777% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 4.3209% | 1,287 |
| Noncurrent loans to loans | 6.7846% | 668 |
| Net loans and leases to total assets | 59.7937% | 4,026 |
| Net loans and leases to deposits | 70.0068% | 4,100 |
| Net loans and leases to core deposits | 76.2189% | 3,955 |
| Total domestic deposits to total assets | 85.4112% | 3,640 |
| Equity capital to assets | 13.3014% | 1,363 |
| Core capital (leverage) ratio | 13.2893% | 1,044 |
| Tier 1 risk-based capital ratio | 19.0168% | 1,887 |
| Total risk-based capital ratio | 20.1577% | 1,888 |
| Memoranda: | ||
| Average total assets | $219,330,800 | 2,845 |
| Average earning assets | $164,171,400 | 3,331 |
| Average equity | $27,240,000 | 2,378 |
| Average total loans | $137,942,400 | 2,834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 2,172 |
| Cost of funding earning assets | 0.7435% | 5,500 |
| Net interest margin | 4.4665% | 1,227 |
| Noninterest income to average assets | 0.1335% | 6,587 |
| Noninterest expense to average assets | 2.3911% | 5,785 |
| Loan and lease loss provision to assets | 0.3292% | 2,905 |
| Net operating income to assets | 0.5266% | 4,421 |
| Return on assets (ROA) | 0.9309% | 2,771 |
| Pretax return on assets | 1.3810% | 1,998 |
| Return on Equity (ROE) | 7.6269% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.6269% | 1,653 |
| Net charge-offs to loans | 0.7169% | 2,118 |
| Credit loss provision to net charge-offs | 72.3772% | 4,405 |
| Earnings coverage of net charge-offs (x) | 2.4330% | 3,907 |
| Efficiency ratio | 68.3592% | 4,247 |
| Assets per employee ($millions) | 6.4812% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,986 |
| Loan loss allowance to noncurrent loans | 16.7408% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 4.8373% | 1,204 |
| Noncurrent loans to loans | 7.7951% | 581 |
| Net loans and leases to total assets | 61.2463% | 3,895 |
| Net loans and leases to deposits | 71.5562% | 4,053 |
| Net loans and leases to core deposits | 77.3358% | 3,999 |
| Total domestic deposits to total assets | 85.5919% | 3,446 |
| Equity capital to assets | 13.1757% | 1,527 |
| Core capital (leverage) ratio | 12.6730% | 1,361 |
| Tier 1 risk-based capital ratio | 18.2575% | 2,169 |
| Total risk-based capital ratio | 19.4177% | 2,161 |
| Memoranda: | ||
| Average total assets | $220,703,000 | 2,835 |
| Average earning assets | $166,242,500 | 3,315 |
| Average equity | $26,939,000 | 2,399 |
| Average total loans | $140,049,500 | 2,810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 2,454 |
| Cost of funding earning assets | 0.7389% | 5,744 |
| Net interest margin | 4.4122% | 1,336 |
| Noninterest income to average assets | 0.0915% | 6,868 |
| Noninterest expense to average assets | 2.3984% | 5,850 |
| Loan and lease loss provision to assets | 0.4888% | 2,014 |
| Net operating income to assets | 0.3535% | 5,160 |
| Return on assets (ROA) | 0.5148% | 4,579 |
| Pretax return on assets | 0.8575% | 3,801 |
| Return on Equity (ROE) | 4.3279% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.3279% | 3,441 |
| Net charge-offs to loans | 0.5671% | 2,410 |
| Credit loss provision to net charge-offs | 134.9010% | 2,263 |
| Earnings coverage of net charge-offs (x) | 3.0198% | 3,346 |
| Efficiency ratio | 68.6697% | 4,396 |
| Assets per employee ($millions) | 6.5018% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 4,161 |
| Loan loss allowance to noncurrent loans | 21.7065% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 3.9852% | 1,611 |
| Noncurrent loans to loans | 6.8815% | 762 |
| Net loans and leases to total assets | 57.0463% | 4,815 |
| Net loans and leases to deposits | 65.1250% | 5,123 |
| Net loans and leases to core deposits | 69.4504% | 5,131 |
| Total domestic deposits to total assets | 87.5951% | 2,409 |
| Equity capital to assets | 11.2801% | 2,699 |
| Core capital (leverage) ratio | 12.2710% | 1,469 |
| Tier 1 risk-based capital ratio | 16.8529% | 2,585 |
| Total risk-based capital ratio | 18.1036% | 2,551 |
| Memoranda: | ||
| Average total assets | $222,977,670 | 2,827 |
| Average earning assets | $171,886,000 | 3,244 |
| Average equity | $26,525,330 | 2,422 |
| Average total loans | $142,491,000 | 2,798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 2,627 |
| Cost of funding earning assets | 0.7463% | 5,890 |
| Net interest margin | 4.3587% | 1,399 |
| Noninterest income to average assets | 0.2166% | 6,183 |
| Noninterest expense to average assets | 2.4614% | 5,702 |
| Loan and lease loss provision to assets | 0.6536% | 1,318 |
| Net operating income to assets | 0.3773% | 5,038 |
| Return on assets (ROA) | 0.4837% | 4,637 |
| Pretax return on assets | 0.7582% | 4,064 |
| Return on Equity (ROE) | 3.9512% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.9512% | 3,807 |
| Net charge-offs to loans | 1.3132% | 1,050 |
| Credit loss provision to net charge-offs | 73.9958% | 3,279 |
| Earnings coverage of net charge-offs (x) | 1.4101% | 3,645 |
| Efficiency ratio | 66.3980% | 4,969 |
| Assets per employee ($millions) | 5.5923% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 5,335 |
| Loan loss allowance to noncurrent loans | 19.9145% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 4.3379% | 1,508 |
| Noncurrent loans to loans | 6.3323% | 969 |
| Net loans and leases to total assets | 65.2318% | 3,189 |
| Net loans and leases to deposits | 74.9839% | 3,589 |
| Net loans and leases to core deposits | 80.8508% | 3,624 |
| Total domestic deposits to total assets | 86.9944% | 2,942 |
| Equity capital to assets | 11.9932% | 1,916 |
| Core capital (leverage) ratio | 12.3332% | 1,399 |
| Tier 1 risk-based capital ratio | 16.6141% | 2,613 |
| Total risk-based capital ratio | 17.7730% | 2,627 |
| Memoranda: | ||
| Average total assets | $214,183,500 | 2,946 |
| Average earning assets | $171,518,500 | 3,276 |
| Average equity | $26,220,000 | 2,435 |
| Average total loans | $144,079,000 | 2,803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 2,278 |
| Cost of funding earning assets | 0.9320% | 6,026 |
| Net interest margin | 4.5685% | 1,082 |
| Noninterest income to average assets | 0.1463% | 6,661 |
| Noninterest expense to average assets | 2.6171% | 5,345 |
| Loan and lease loss provision to assets | 0.7314% | 2,246 |
| Net operating income to assets | 0.3718% | 4,671 |
| Return on assets (ROA) | 0.5602% | 4,006 |
| Pretax return on assets | 0.8218% | 3,564 |
| Return on Equity (ROE) | 4.3202% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.3202% | 2,817 |
| Net charge-offs to loans | 0.8645% | 2,467 |
| Credit loss provision to net charge-offs | 119.3969% | 3,550 |
| Earnings coverage of net charge-offs (x) | 2.0831% | 4,159 |
| Efficiency ratio | 67.2224% | 4,718 |
| Assets per employee ($millions) | 5.6829% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,771 |
| Loan loss allowance to noncurrent loans | 34.5873% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 2,523 |
| Noncurrent loans to loans | 3.8932% | 1,881 |
| Net loans and leases to total assets | 67.5952% | 3,077 |
| Net loans and leases to deposits | 78.3264% | 3,462 |
| Net loans and leases to core deposits | 85.6789% | 3,368 |
| Total domestic deposits to total assets | 86.2994% | 3,200 |
| Equity capital to assets | 12.4998% | 1,635 |
| Core capital (leverage) ratio | 12.4194% | 1,340 |
| Tier 1 risk-based capital ratio | 16.9511% | 2,362 |
| Total risk-based capital ratio | 18.2012% | 2,330 |
| Memoranda: | ||
| Average total assets | $200,295,400 | 3,094 |
| Average earning assets | $164,278,600 | 3,370 |
| Average equity | $25,970,800 | 2,460 |
| Average total loans | $141,938,400 | 2,906 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 2,300 |
| Cost of funding earning assets | 0.9680% | 6,089 |
| Net interest margin | 4.5691% | 1,111 |
| Noninterest income to average assets | 0.2649% | 5,997 |
| Noninterest expense to average assets | 2.5661% | 5,443 |
| Loan and lease loss provision to assets | 0.8527% | 1,780 |
| Net operating income to assets | 0.3038% | 5,148 |
| Return on assets (ROA) | 0.5312% | 4,353 |
| Pretax return on assets | 0.9524% | 3,355 |
| Return on Equity (ROE) | 4.0577% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.0577% | 3,619 |
| Net charge-offs to loans | 1.1004% | 1,847 |
| Credit loss provision to net charge-offs | 108.3976% | 3,929 |
| Earnings coverage of net charge-offs (x) | 1.8432% | 4,328 |
| Efficiency ratio | 63.8973% | 5,257 |
| Assets per employee ($millions) | 5.7013% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 5,078 |
| Loan loss allowance to noncurrent loans | 32.1652% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 3.0690% | 2,362 |
| Noncurrent loans to loans | 3.9680% | 1,898 |
| Net loans and leases to total assets | 67.7995% | 3,265 |
| Net loans and leases to deposits | 78.8382% | 3,664 |
| Net loans and leases to core deposits | 84.9770% | 3,803 |
| Total domestic deposits to total assets | 85.9982% | 3,077 |
| Equity capital to assets | 12.8432% | 1,658 |
| Core capital (leverage) ratio | 12.6431% | 1,358 |
| Tier 1 risk-based capital ratio | 16.6028% | 2,512 |
| Total risk-based capital ratio | 17.7757% | 2,506 |
| Memoranda: | ||
| Average total assets | $197,802,250 | 3,172 |
| Average earning assets | $162,391,500 | 3,455 |
| Average equity | $25,892,750 | 2,505 |
| Average total loans | $141,405,250 | 2,955 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 2,079 |
| Cost of funding earning assets | 1.0220% | 6,044 |
| Net interest margin | 4.5923% | 1,022 |
| Noninterest income to average assets | 0.2652% | 6,019 |
| Noninterest expense to average assets | 2.7114% | 4,864 |
| Loan and lease loss provision to assets | 0.6553% | 2,195 |
| Net operating income to assets | 0.3621% | 4,922 |
| Return on assets (ROA) | 0.5325% | 4,336 |
| Pretax return on assets | 0.9236% | 3,407 |
| Return on Equity (ROE) | 4.0409% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.0409% | 3,511 |
| Net charge-offs to loans | 0.7516% | 2,358 |
| Credit loss provision to net charge-offs | 120.3008% | 3,372 |
| Earnings coverage of net charge-offs (x) | 2.4098% | 3,791 |
| Efficiency ratio | 67.3791% | 4,695 |
| Assets per employee ($millions) | 5.2948% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,051 |
| Loan loss allowance to noncurrent loans | 25.0311% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 3.8436% | 1,804 |
| Noncurrent loans to loans | 5.1018% | 1,345 |
| Net loans and leases to total assets | 67.7608% | 3,436 |
| Net loans and leases to deposits | 78.8615% | 3,824 |
| Net loans and leases to core deposits | 84.0152% | 4,140 |
| Total domestic deposits to total assets | 85.9238% | 3,135 |
| Equity capital to assets | 12.6438% | 1,718 |
| Core capital (leverage) ratio | 12.7142% | 1,322 |
| Tier 1 risk-based capital ratio | 16.3919% | 2,522 |
| Total risk-based capital ratio | 17.5688% | 2,493 |
| Memoranda: | ||
| Average total assets | $195,321,330 | 3,233 |
| Average earning assets | $159,875,670 | 3,516 |
| Average equity | $25,737,000 | 2,511 |
| Average total loans | $141,555,670 | 2,987 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 2,025 |
| Cost of funding earning assets | 1.0319% | 6,217 |
| Net interest margin | 4.5993% | 953 |
| Noninterest income to average assets | 0.2783% | 5,920 |
| Noninterest expense to average assets | 2.9115% | 4,013 |
| Loan and lease loss provision to assets | 0.3162% | 3,523 |
| Net operating income to assets | 0.4722% | 4,525 |
| Return on assets (ROA) | 0.4722% | 4,654 |
| Pretax return on assets | 0.8939% | 3,495 |
| Return on Equity (ROE) | 3.5067% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.5067% | 4,042 |
| Net charge-offs to loans | 0.0848% | 4,577 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 19.1333% | 1,211 |
| Efficiency ratio | 70.6394% | 4,189 |
| Assets per employee ($millions) | 4.7399% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 4,986 |
| Loan loss allowance to noncurrent loans | 26.4969% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 3.7860% | 1,836 |
| Noncurrent loans to loans | 4.8685% | 1,499 |
| Net loans and leases to total assets | 69.5726% | 3,040 |
| Net loans and leases to deposits | 81.0236% | 3,458 |
| Net loans and leases to core deposits | 85.9561% | 3,905 |
| Total domestic deposits to total assets | 85.8671% | 3,225 |
| Equity capital to assets | 12.8912% | 1,563 |
| Core capital (leverage) ratio | 13.5984% | 1,053 |
| Tier 1 risk-based capital ratio | 16.4858% | 2,461 |
| Total risk-based capital ratio | 17.6908% | 2,429 |
| Memoranda: | ||
| Average total assets | $189,733,500 | 3,367 |
| Average earning assets | $158,546,000 | 3,596 |
| Average equity | $25,551,000 | 2,559 |
| Average total loans | $141,466,500 | 3,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 2,674 |
| Cost of funding earning assets | 1.3584% | 6,101 |
| Net interest margin | 4.4373% | 1,325 |
| Noninterest income to average assets | 0.2643% | 6,224 |
| Noninterest expense to average assets | 2.7322% | 5,237 |
| Loan and lease loss provision to assets | 0.5369% | 3,684 |
| Net operating income to assets | 0.7173% | 2,868 |
| Return on assets (ROA) | 0.8712% | 2,338 |
| Pretax return on assets | 1.2941% | 1,710 |
| Return on Equity (ROE) | 6.3238% | 3,065 |
| Retained earnings to average equity (ytd only) | 6.3238% | 1,217 |
| Net charge-offs to loans | 0.6906% | 3,116 |
| Credit loss provision to net charge-offs | 96.9849% | 5,729 |
| Earnings coverage of net charge-offs (x) | 2.8925% | 3,641 |
| Efficiency ratio | 63.0505% | 5,959 |
| Assets per employee ($millions) | 4.8755% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,379 |
| Loan loss allowance to noncurrent loans | 29.2116% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 3.2413% | 2,117 |
| Noncurrent loans to loans | 4.0996% | 1,794 |
| Net loans and leases to total assets | 78.1150% | 1,354 |
| Net loans and leases to deposits | 92.6383% | 1,795 |
| Net loans and leases to core deposits | 108.6771% | 3,037 |
| Total domestic deposits to total assets | 84.3226% | 3,880 |
| Equity capital to assets | 14.1020% | 1,136 |
| Core capital (leverage) ratio | 14.0032% | 979 |
| Tier 1 risk-based capital ratio | 16.3944% | 2,358 |
| Total risk-based capital ratio | 17.5259% | 2,348 |
| Memoranda: | ||
| Average total assets | $179,742,200 | 3,446 |
| Average earning assets | $164,828,400 | 3,429 |
| Average equity | $24,763,600 | 2,637 |
| Average total loans | $144,087,000 | 3,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7497% | 3,100 |
| Cost of funding earning assets | 1.4318% | 6,116 |
| Net interest margin | 4.3179% | 1,684 |
| Noninterest income to average assets | 0.2146% | 6,700 |
| Noninterest expense to average assets | 2.7456% | 5,122 |
| Loan and lease loss provision to assets | 0.3415% | 4,282 |
| Net operating income to assets | 0.7547% | 3,007 |
| Return on assets (ROA) | 0.9355% | 2,352 |
| Pretax return on assets | 1.4136% | 1,661 |
| Return on Equity (ROE) | 6.8306% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.8306% | 1,577 |
| Net charge-offs to loans | 0.5750% | 2,953 |
| Credit loss provision to net charge-offs | 73.8363% | 5,907 |
| Earnings coverage of net charge-offs (x) | 3.2022% | 3,636 |
| Efficiency ratio | 64.9570% | 5,558 |
| Assets per employee ($millions) | 5.1615% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 5,716 |
| Loan loss allowance to noncurrent loans | 26.1263% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 3.3667% | 1,993 |
| Noncurrent loans to loans | 4.2137% | 1,711 |
| Net loans and leases to total assets | 79.0188% | 1,390 |
| Net loans and leases to deposits | 93.3683% | 1,989 |
| Net loans and leases to core deposits | 113.2623% | 2,901 |
| Total domestic deposits to total assets | 84.6312% | 3,419 |
| Equity capital to assets | 13.9406% | 1,325 |
| Core capital (leverage) ratio | 13.8105% | 1,140 |
| Tier 1 risk-based capital ratio | 16.1555% | 2,574 |
| Total risk-based capital ratio | 17.1986% | 2,581 |
| Memoranda: | ||
| Average total assets | $179,579,500 | 3,471 |
| Average earning assets | $166,868,250 | 3,428 |
| Average equity | $24,594,750 | 2,678 |
| Average total loans | $144,453,250 | 3,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7340% | 3,373 |
| Cost of funding earning assets | 1.4918% | 6,174 |
| Net interest margin | 4.2422% | 1,843 |
| Noninterest income to average assets | 0.1841% | 6,977 |
| Noninterest expense to average assets | 2.7988% | 4,964 |
| Loan and lease loss provision to assets | 0.2064% | 4,986 |
| Net operating income to assets | 0.6962% | 3,271 |
| Return on assets (ROA) | 0.9597% | 2,343 |
| Pretax return on assets | 1.5891% | 1,230 |
| Return on Equity (ROE) | 7.0497% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.0497% | 1,565 |
| Net charge-offs to loans | 0.1246% | 4,916 |
| Credit loss provision to net charge-offs | 205.5556% | 2,217 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 1,706 |
| Efficiency ratio | 66.9157% | 5,382 |
| Assets per employee ($millions) | 5.1817% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 4,508 |
| Loan loss allowance to noncurrent loans | 96.5825% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 4,870 |
| Noncurrent loans to loans | 1.3091% | 4,587 |
| Net loans and leases to total assets | 79.0984% | 1,499 |
| Net loans and leases to deposits | 93.0908% | 2,252 |
| Net loans and leases to core deposits | 117.7660% | 2,561 |
| Total domestic deposits to total assets | 84.9690% | 3,278 |
| Equity capital to assets | 13.6062% | 1,459 |
| Core capital (leverage) ratio | 13.4569% | 1,286 |
| Tier 1 risk-based capital ratio | 16.0354% | 2,617 |
| Total risk-based capital ratio | 17.2549% | 2,563 |
| Memoranda: | ||
| Average total assets | $179,222,000 | 3,494 |
| Average earning assets | $168,921,330 | 3,410 |
| Average equity | $24,398,330 | 2,711 |
| Average total loans | $144,491,670 | 3,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8563% | 3,010 |
| Cost of funding earning assets | 1.5586% | 6,202 |
| Net interest margin | 4.2977% | 1,608 |
| Noninterest income to average assets | 0.2717% | 6,262 |
| Noninterest expense to average assets | 2.6427% | 5,251 |
| Loan and lease loss provision to assets | 0.1796% | 4,654 |
| Net operating income to assets | 0.8592% | 2,879 |
| Return on assets (ROA) | 1.2371% | 1,649 |
| Pretax return on assets | 2.0701% | 572 |
| Return on Equity (ROE) | 9.0851% | 2,671 |
| Retained earnings to average equity (ytd only) | 9.0851% | 1,449 |
| Net charge-offs to loans | 0.0139% | 5,401 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 147.8000% | 301 |
| Efficiency ratio | 61.4301% | 6,170 |
| Assets per employee ($millions) | 5.0812% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 4,371 |
| Loan loss allowance to noncurrent loans | 119.6156% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 5,116 |
| Noncurrent loans to loans | 1.0503% | 4,885 |
| Net loans and leases to total assets | 77.5556% | 1,920 |
| Net loans and leases to deposits | 91.0577% | 2,764 |
| Net loans and leases to core deposits | 116.4285% | 2,755 |
| Total domestic deposits to total assets | 85.1719% | 3,121 |
| Equity capital to assets | 13.3275% | 1,601 |
| Core capital (leverage) ratio | 13.4243% | 1,350 |
| Tier 1 risk-based capital ratio | 15.5861% | 2,819 |
| Total risk-based capital ratio | 16.7736% | 2,781 |
| Memoranda: | ||
| Average total assets | $178,153,500 | 3,542 |
| Average earning assets | $167,068,000 | 3,464 |
| Average equity | $24,259,500 | 2,736 |
| Average total loans | $144,093,000 | 3,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3614% | 3,632 |
| Cost of funding earning assets | 2.0101% | 6,377 |
| Net interest margin | 4.3513% | 1,821 |
| Noninterest income to average assets | 0.3060% | 6,264 |
| Noninterest expense to average assets | 2.6250% | 5,556 |
| Loan and lease loss provision to assets | 0.0618% | 6,630 |
| Net operating income to assets | 1.1281% | 2,037 |
| Return on assets (ROA) | 1.1568% | 1,845 |
| Pretax return on assets | 1.7229% | 1,097 |
| Return on Equity (ROE) | 8.6100% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.6100% | 677 |
| Net charge-offs to loans | 0.0051% | 6,907 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 422.8571% | 123 |
| Efficiency ratio | 60.1132% | 6,319 |
| Assets per employee ($millions) | 4.9538% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 4,512 |
| Loan loss allowance to noncurrent loans | 155.3172% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 5,281 |
| Noncurrent loans to loans | 0.7743% | 5,092 |
| Net loans and leases to total assets | 82.3467% | 1,165 |
| Net loans and leases to deposits | 97.9918% | 2,128 |
| Net loans and leases to core deposits | 124.1628% | 2,313 |
| Total domestic deposits to total assets | 84.0343% | 3,307 |
| Equity capital to assets | 13.9229% | 1,451 |
| Core capital (leverage) ratio | 13.8433% | 1,296 |
| Tier 1 risk-based capital ratio | 15.3934% | 2,880 |
| Total risk-based capital ratio | 16.5450% | 2,857 |
| Memoranda: | ||
| Average total assets | $169,945,600 | 3,555 |
| Average earning assets | $158,597,200 | 3,497 |
| Average equity | $22,834,000 | 2,866 |
| Average total loans | $136,409,600 | 3,154 |