Home > Forward Bank > Performance and Condition Ratios
Forward Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 2,479 |
| Cost of funding earning assets | 1.3408% | 2,390 |
| Net interest margin | 3.4556% | 2,289 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 3.1890% | 836 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6221% | 3,380 |
| Return on assets (ROA) | 0.5943% | 3,447 |
| Pretax return on assets | 0.8186% | 3,167 |
| Return on Equity (ROE) | 7.5900% | 3,132 |
| Retained earnings to average equity (ytd only) | 4.9032% | 2,630 |
| Net charge-offs to loans | 0.0409% | 1,495 |
| Credit loss provision to net charge-offs | 287.0036% | 987 |
| Earnings coverage of net charge-offs (x) | 31.8917% | 1,597 |
| Efficiency ratio | 75.9895% | 1,247 |
| Assets per employee ($millions) | 5.8254% | 2,962 |
| Cash dividends to net income (ytd only)* | 35.3857% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 3,825 |
| Loan loss allowance to noncurrent loans | 700.3378% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,931 |
| Noncurrent loans to loans | 0.1229% | 2,904 |
| Net loans and leases to total assets | 72.3500% | 1,540 |
| Net loans and leases to deposits | 86.0428% | 1,612 |
| Net loans and leases to core deposits | 90.7255% | 1,998 |
| Total domestic deposits to total assets | 84.0800% | 2,600 |
| Equity capital to assets | 7.8900% | 3,487 |
| Core capital (leverage) ratio | 8.1302% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4867% | 2,724 |
| Memoranda: | ||
| Average total assets | $951,020,200 | 1,027 |
| Average earning assets | $852,997,200 | 1,053 |
| Average equity | $74,482,400 | 1,188 |
| Average total loans | $677,431,400 | 988 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 2,564 |
| Cost of funding earning assets | 1.2145% | 2,385 |
| Net interest margin | 3.4397% | 2,362 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.1423% | 881 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7133% | 3,284 |
| Return on assets (ROA) | 0.6863% | 3,339 |
| Pretax return on assets | 0.8436% | 3,234 |
| Return on Equity (ROE) | 8.7800% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.1496% | 2,235 |
| Net charge-offs to loans | 0.0490% | 1,189 |
| Credit loss provision to net charge-offs | 183.6735% | 1,178 |
| Earnings coverage of net charge-offs (x) | 27.3878% | 1,642 |
| Efficiency ratio | 75.2942% | 1,243 |
| Assets per employee ($millions) | 5.7351% | 2,981 |
| Cash dividends to net income (ytd only)* | 18.5759% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 3,882 |
| Loan loss allowance to noncurrent loans | 383.2576% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,514 |
| Noncurrent loans to loans | 0.2208% | 2,468 |
| Net loans and leases to total assets | 71.8100% | 1,599 |
| Net loans and leases to deposits | 86.1769% | 1,550 |
| Net loans and leases to core deposits | 90.5848% | 1,891 |
| Total domestic deposits to total assets | 83.3300% | 2,956 |
| Equity capital to assets | 7.3785% | 3,431 |
| Core capital (leverage) ratio | 8.3970% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8025% | 2,666 |
| Memoranda: | ||
| Average total assets | $941,195,000 | 1,042 |
| Average earning assets | $843,546,750 | 1,065 |
| Average equity | $73,569,000 | 1,195 |
| Average total loans | $666,119,250 | 1,002 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 2,612 |
| Cost of funding earning assets | 1.0909% | 2,305 |
| Net interest margin | 3.4223% | 2,468 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 3.1713% | 816 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6308% | 3,503 |
| Return on assets (ROA) | 0.5912% | 3,605 |
| Pretax return on assets | 0.7724% | 3,458 |
| Return on Equity (ROE) | 7.4200% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.8069% | 2,691 |
| Net charge-offs to loans | 0.0342% | 1,211 |
| Credit loss provision to net charge-offs | 267.8571% | 922 |
| Earnings coverage of net charge-offs (x) | 36.9643% | 1,447 |
| Efficiency ratio | 76.6600% | 1,116 |
| Assets per employee ($millions) | 5.5762% | 3,083 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 3,837 |
| Loan loss allowance to noncurrent loans | 311.0935% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 2,161 |
| Noncurrent loans to loans | 0.2829% | 2,131 |
| Net loans and leases to total assets | 70.8000% | 1,659 |
| Net loans and leases to deposits | 84.3160% | 1,644 |
| Net loans and leases to core deposits | 88.0366% | 1,927 |
| Total domestic deposits to total assets | 83.9700% | 2,824 |
| Equity capital to assets | 8.1345% | 3,130 |
| Core capital (leverage) ratio | 8.4042% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9680% | 2,636 |
| Memoranda: | ||
| Average total assets | $933,759,333 | 1,040 |
| Average earning assets | $837,628,000 | 1,069 |
| Average equity | $74,394,667 | 1,181 |
| Average total loans | $655,555,333 | 1,001 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 2,577 |
| Cost of funding earning assets | 0.9458% | 2,233 |
| Net interest margin | 3.4436% | 2,519 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 3.1194% | 905 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6513% | 3,583 |
| Return on assets (ROA) | 0.5720% | 3,710 |
| Pretax return on assets | 0.7444% | 3,572 |
| Return on Equity (ROE) | 7.2600% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.6226% | 2,865 |
| Net charge-offs to loans | 0.0524% | 839 |
| Credit loss provision to net charge-offs | 176.4706% | 878 |
| Earnings coverage of net charge-offs (x) | 24.9294% | 1,379 |
| Efficiency ratio | 75.9612% | 1,170 |
| Assets per employee ($millions) | 5.4968% | 3,227 |
| Cash dividends to net income (ytd only)* | 22.5056% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 3,905 |
| Loan loss allowance to noncurrent loans | 324.1147% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 2,143 |
| Noncurrent loans to loans | 0.2721% | 2,168 |
| Net loans and leases to total assets | 69.7500% | 1,648 |
| Net loans and leases to deposits | 80.4980% | 1,781 |
| Net loans and leases to core deposits | 84.2419% | 1,972 |
| Total domestic deposits to total assets | 86.6500% | 2,390 |
| Equity capital to assets | 8.1779% | 3,122 |
| Core capital (leverage) ratio | 8.3412% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0540% | 2,718 |
| Memoranda: | ||
| Average total assets | $932,235,500 | 1,058 |
| Average earning assets | $836,575,000 | 1,086 |
| Average equity | $73,489,500 | 1,204 |
| Average total loans | $648,764,000 | 1,016 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 2,013 |
| Cost of funding earning assets | 0.3638% | 2,376 |
| Net interest margin | 3.5239% | 1,855 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 3.2217% | 694 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6899% | 3,644 |
| Return on assets (ROA) | 0.6866% | 3,604 |
| Pretax return on assets | 0.8840% | 3,407 |
| Return on Equity (ROE) | 8.1200% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.9331% | 2,269 |
| Net charge-offs to loans | 0.0034% | 2,348 |
| Credit loss provision to net charge-offs | 5,050.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 449.1000% | 359 |
| Efficiency ratio | 74.5917% | 1,160 |
| Assets per employee ($millions) | 5.5355% | 3,177 |
| Cash dividends to net income (ytd only)* | 14.6033% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,648 |
| Loan loss allowance to noncurrent loans | 309.1423% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,086 |
| Noncurrent loans to loans | 0.3024% | 2,058 |
| Net loans and leases to total assets | 68.1700% | 1,810 |
| Net loans and leases to deposits | 78.0115% | 1,948 |
| Net loans and leases to core deposits | 80.9871% | 2,078 |
| Total domestic deposits to total assets | 87.3900% | 2,273 |
| Equity capital to assets | 7.5904% | 3,333 |
| Core capital (leverage) ratio | 8.1899% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0160% | 2,732 |
| Memoranda: | ||
| Average total assets | $897,619,600 | 1,081 |
| Average earning assets | $805,215,200 | 1,106 |
| Average equity | $75,911,200 | 1,181 |
| Average total loans | $596,079,200 | 1,037 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7424% | 1,917 |
| Cost of funding earning assets | 0.2720% | 2,469 |
| Net interest margin | 3.4705% | 1,747 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.0080% | 896 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7610% | 3,383 |
| Return on assets (ROA) | 0.7566% | 3,346 |
| Pretax return on assets | 0.9911% | 3,044 |
| Return on Equity (ROE) | 8.7100% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.1559% | 2,318 |
| Net charge-offs to loans | 0.0002% | 2,347 |
| Credit loss provision to net charge-offs | 78,500.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 7,424.0000% | 9 |
| Efficiency ratio | 71.0826% | 1,631 |
| Assets per employee ($millions) | 5.4606% | 3,265 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 3,789 |
| Loan loss allowance to noncurrent loans | 267.2644% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,033 |
| Noncurrent loans to loans | 0.3456% | 1,989 |
| Net loans and leases to total assets | 68.3700% | 1,631 |
| Net loans and leases to deposits | 76.8074% | 1,811 |
| Net loans and leases to core deposits | 79.4787% | 1,938 |
| Total domestic deposits to total assets | 89.0100% | 2,088 |
| Equity capital to assets | 7.5610% | 3,180 |
| Core capital (leverage) ratio | 8.3515% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0903% | 2,792 |
| Memoranda: | ||
| Average total assets | $888,148,250 | 1,094 |
| Average earning assets | $796,680,250 | 1,123 |
| Average equity | $77,136,750 | 1,179 |
| Average total loans | $584,156,500 | 1,049 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 1,794 |
| Cost of funding earning assets | 0.2153% | 2,702 |
| Net interest margin | 3.3994% | 1,608 |
| Noninterest income to average assets | 1.0206% | 639 |
| Noninterest expense to average assets | 2.9931% | 846 |
| Loan and lease loss provision to assets | 0.1077% | 922 |
| Net operating income to assets | 0.7369% | 3,192 |
| Return on assets (ROA) | 0.7303% | 3,162 |
| Pretax return on assets | 0.9570% | 2,877 |
| Return on Equity (ROE) | 8.0485% | 3,004 |
| Retained earnings to average equity (ytd only) | 6.5460% | 2,158 |
| Net charge-offs to loans | -0.0046% | 3,307 |
| Credit loss provision to net charge-offs | -3,646.1538% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6920% | 1,753 |
| Assets per employee ($millions) | 5.5425% | 3,182 |
| Cash dividends to net income (ytd only)* | 18.6683% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,865 |
| Loan loss allowance to noncurrent loans | 318.8439% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 2,379 |
| Noncurrent loans to loans | 0.2918% | 2,302 |
| Net loans and leases to total assets | 65.4125% | 1,766 |
| Net loans and leases to deposits | 73.4223% | 1,921 |
| Net loans and leases to core deposits | 76.2150% | 1,996 |
| Total domestic deposits to total assets | 89.0908% | 2,142 |
| Equity capital to assets | 8.1286% | 3,023 |
| Core capital (leverage) ratio | 8.4589% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4195% | 2,697 |
| Memoranda: | ||
| Average total assets | $880,224,333 | 1,095 |
| Average earning assets | $788,612,333 | 1,139 |
| Average equity | $79,865,667 | 1,162 |
| Average total loans | $569,120,667 | 1,061 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 1,785 |
| Cost of funding earning assets | 0.2065% | 2,702 |
| Net interest margin | 3.3023% | 1,559 |
| Noninterest income to average assets | 1.0030% | 674 |
| Noninterest expense to average assets | 2.9979% | 812 |
| Loan and lease loss provision to assets | 0.1033% | 804 |
| Net operating income to assets | 0.6555% | 3,213 |
| Return on assets (ROA) | 0.6555% | 3,191 |
| Pretax return on assets | 0.8533% | 2,929 |
| Return on Equity (ROE) | 6.8566% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.4162% | 2,438 |
| Net charge-offs to loans | -0.0201% | 3,915 |
| Credit loss provision to net charge-offs | -803.5714% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8131% | 1,761 |
| Assets per employee ($millions) | 5.3955% | 3,395 |
| Cash dividends to net income (ytd only)* | 21.0084% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,932 |
| Loan loss allowance to noncurrent loans | 305.4945% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,452 |
| Noncurrent loans to loans | 0.3072% | 2,359 |
| Net loans and leases to total assets | 63.3920% | 1,697 |
| Net loans and leases to deposits | 70.6255% | 1,901 |
| Net loans and leases to core deposits | 72.0534% | 2,105 |
| Total domestic deposits to total assets | 89.7579% | 1,688 |
| Equity capital to assets | 8.9561% | 2,750 |
| Core capital (leverage) ratio | 8.4689% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7807% | 2,685 |
| Memoranda: | ||
| Average total assets | $871,396,000 | 1,112 |
| Average earning assets | $778,849,500 | 1,156 |
| Average equity | $83,306,000 | 1,154 |
| Average total loans | $557,260,000 | 1,069 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 1,374 |
| Cost of funding earning assets | 0.3497% | 1,937 |
| Net interest margin | 3.6430% | 1,357 |
| Noninterest income to average assets | 1.3461% | 597 |
| Noninterest expense to average assets | 3.2995% | 632 |
| Loan and lease loss provision to assets | 0.0598% | 1,860 |
| Net operating income to assets | 0.9527% | 2,856 |
| Return on assets (ROA) | 0.9636% | 2,887 |
| Pretax return on assets | 1.2613% | 2,481 |
| Return on Equity (ROE) | 9.3904% | 2,761 |
| Retained earnings to average equity (ytd only) | 6.9425% | 1,937 |
| Net charge-offs to loans | 0.0222% | 1,814 |
| Credit loss provision to net charge-offs | 396.6667% | 913 |
| Earnings coverage of net charge-offs (x) | 86.7333% | 954 |
| Efficiency ratio | 70.1284% | 1,715 |
| Assets per employee ($millions) | 5.6426% | 3,124 |
| Cash dividends to net income (ytd only)* | 26.0688% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,034 |
| Loan loss allowance to noncurrent loans | 301.6797% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,593 |
| Noncurrent loans to loans | 0.3021% | 2,510 |
| Net loans and leases to total assets | 63.3246% | 1,784 |
| Net loans and leases to deposits | 71.7508% | 1,936 |
| Net loans and leases to core deposits | 73.3434% | 2,130 |
| Total domestic deposits to total assets | 88.2563% | 1,899 |
| Equity capital to assets | 10.1754% | 2,496 |
| Core capital (leverage) ratio | 8.7890% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9377% | 2,655 |
| Memoranda: | ||
| Average total assets | $796,160,600 | 1,163 |
| Average earning assets | $712,606,400 | 1,201 |
| Average equity | $81,700,200 | 1,186 |
| Average total loans | $540,576,000 | 1,100 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 1,228 |
| Cost of funding earning assets | 0.3919% | 1,762 |
| Net interest margin | 3.7428% | 1,241 |
| Noninterest income to average assets | 1.2283% | 760 |
| Noninterest expense to average assets | 2.9632% | 1,030 |
| Loan and lease loss provision to assets | 0.1155% | 1,041 |
| Net operating income to assets | 1.1476% | 2,374 |
| Return on assets (ROA) | 1.1624% | 2,377 |
| Pretax return on assets | 1.5273% | 1,915 |
| Return on Equity (ROE) | 11.3016% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.6384% | 1,440 |
| Net charge-offs to loans | 0.0196% | 1,662 |
| Credit loss provision to net charge-offs | 854.4304% | 564 |
| Earnings coverage of net charge-offs (x) | 120.1646% | 774 |
| Efficiency ratio | 63.0603% | 2,531 |
| Assets per employee ($millions) | 5.3816% | 3,317 |
| Cash dividends to net income (ytd only)* | 14.7167% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 3,905 |
| Loan loss allowance to noncurrent loans | 279.0784% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 2,614 |
| Noncurrent loans to loans | 0.3523% | 2,514 |
| Net loans and leases to total assets | 65.2987% | 1,626 |
| Net loans and leases to deposits | 74.3263% | 1,826 |
| Net loans and leases to core deposits | 76.2641% | 2,022 |
| Total domestic deposits to total assets | 87.8542% | 1,934 |
| Equity capital to assets | 10.9143% | 2,077 |
| Core capital (leverage) ratio | 9.3325% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0050% | 2,362 |
| Memoranda: | ||
| Average total assets | $779,370,750 | 1,197 |
| Average earning assets | $699,432,000 | 1,233 |
| Average equity | $80,163,750 | 1,227 |
| Average total loans | $537,789,250 | 1,125 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 1,348 |
| Cost of funding earning assets | 0.4556% | 1,481 |
| Net interest margin | 3.6457% | 1,480 |
| Noninterest income to average assets | 1.4341% | 592 |
| Noninterest expense to average assets | 2.9348% | 1,092 |
| Loan and lease loss provision to assets | 0.1171% | 1,081 |
| Net operating income to assets | 1.2691% | 1,957 |
| Return on assets (ROA) | 1.2917% | 1,967 |
| Pretax return on assets | 1.6913% | 1,500 |
| Return on Equity (ROE) | 12.8348% | 1,775 |
| Retained earnings to average equity (ytd only) | 12.3174% | 848 |
| Net charge-offs to loans | 0.0256% | 1,433 |
| Credit loss provision to net charge-offs | 652.1739% | 593 |
| Earnings coverage of net charge-offs (x) | 99.0870% | 758 |
| Efficiency ratio | 60.7255% | 2,905 |
| Assets per employee ($millions) | 5.2045% | 3,451 |
| Cash dividends to net income (ytd only)* | 4.0306% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,103 |
| Loan loss allowance to noncurrent loans | 258.1205% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 2,721 |
| Noncurrent loans to loans | 0.3562% | 2,621 |
| Net loans and leases to total assets | 67.5220% | 1,511 |
| Net loans and leases to deposits | 76.9625% | 1,732 |
| Net loans and leases to core deposits | 79.0413% | 1,957 |
| Total domestic deposits to total assets | 87.7336% | 1,965 |
| Equity capital to assets | 10.9712% | 1,999 |
| Core capital (leverage) ratio | 9.4001% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9717% | 2,377 |
| Memoranda: | ||
| Average total assets | $768,289,000 | 1,202 |
| Average earning assets | $691,338,333 | 1,236 |
| Average equity | $77,321,333 | 1,249 |
| Average total loans | $538,420,000 | 1,126 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 1,481 |
| Cost of funding earning assets | 0.6123% | 834 |
| Net interest margin | 3.4494% | 1,961 |
| Noninterest income to average assets | 1.4551% | 640 |
| Noninterest expense to average assets | 2.9076% | 1,140 |
| Loan and lease loss provision to assets | 0.1201% | 1,144 |
| Net operating income to assets | 1.1349% | 2,372 |
| Return on assets (ROA) | 1.1796% | 2,305 |
| Pretax return on assets | 1.5705% | 1,800 |
| Return on Equity (ROE) | 12.3185% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.2032% | 1,348 |
| Net charge-offs to loans | 0.0128% | 1,489 |
| Credit loss provision to net charge-offs | 1,323.5294% | 343 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 434 |
| Efficiency ratio | 62.3751% | 2,688 |
| Assets per employee ($millions) | 5.1282% | 3,504 |
| Cash dividends to net income (ytd only)* | 9.0539% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,130 |
| Loan loss allowance to noncurrent loans | 185.7306% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 2,442 |
| Noncurrent loans to loans | 0.4894% | 2,387 |
| Net loans and leases to total assets | 68.7179% | 1,440 |
| Net loans and leases to deposits | 76.8030% | 1,822 |
| Net loans and leases to core deposits | 79.1083% | 2,086 |
| Total domestic deposits to total assets | 89.4729% | 1,081 |
| Equity capital to assets | 9.2766% | 3,422 |
| Core capital (leverage) ratio | 7.8547% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5281% | 3,008 |
| Memoranda: | ||
| Average total assets | $749,081,000 | 1,214 |
| Average earning assets | $670,267,000 | 1,261 |
| Average equity | $71,729,500 | 1,323 |
| Average total loans | $532,751,500 | 1,141 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 1,348 |
| Cost of funding earning assets | 0.6488% | 1,996 |
| Net interest margin | 3.8368% | 1,403 |
| Noninterest income to average assets | 1.5092% | 535 |
| Noninterest expense to average assets | 3.4866% | 699 |
| Loan and lease loss provision to assets | 0.1012% | 3,068 |
| Net operating income to assets | 1.0296% | 2,180 |
| Return on assets (ROA) | 1.0686% | 2,175 |
| Pretax return on assets | 1.4096% | 1,627 |
| Return on Equity (ROE) | 10.7065% | 1,742 |
| Retained earnings to average equity (ytd only) | 10.0353% | 579 |
| Net charge-offs to loans | 0.0520% | 2,051 |
| Credit loss provision to net charge-offs | 264.5914% | 1,871 |
| Earnings coverage of net charge-offs (x) | 38.1946% | 1,424 |
| Efficiency ratio | 68.7438% | 2,133 |
| Assets per employee ($millions) | 4.7619% | 3,642 |
| Cash dividends to net income (ytd only)* | 6.2692% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,234 |
| Loan loss allowance to noncurrent loans | 162.4826% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 2,331 |
| Noncurrent loans to loans | 0.5442% | 2,349 |
| Net loans and leases to total assets | 72.3713% | 1,248 |
| Net loans and leases to deposits | 84.1992% | 1,435 |
| Net loans and leases to core deposits | 87.0112% | 1,794 |
| Total domestic deposits to total assets | 85.9525% | 2,385 |
| Equity capital to assets | 9.8956% | 3,225 |
| Core capital (leverage) ratio | 7.6586% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3483% | 3,042 |
| Memoranda: | ||
| Average total assets | $671,691,800 | 1,216 |
| Average earning assets | $602,013,000 | 1,256 |
| Average equity | $67,043,200 | 1,342 |
| Average total loans | $494,609,000 | 1,149 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 1,854 |
| Cost of funding earning assets | 0.6627% | 2,248 |
| Net interest margin | 3.7346% | 1,819 |
| Noninterest income to average assets | 1.3435% | 606 |
| Noninterest expense to average assets | 3.1291% | 1,185 |
| Loan and lease loss provision to assets | 0.1184% | 2,841 |
| Net operating income to assets | 1.0875% | 2,028 |
| Return on assets (ROA) | 1.1469% | 1,945 |
| Pretax return on assets | 1.5172% | 1,412 |
| Return on Equity (ROE) | 11.4639% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.9581% | 584 |
| Net charge-offs to loans | 0.0340% | 2,150 |
| Credit loss provision to net charge-offs | 471.7742% | 1,331 |
| Earnings coverage of net charge-offs (x) | 62.1613% | 1,076 |
| Efficiency ratio | 64.9227% | 2,606 |
| Assets per employee ($millions) | 5.0956% | 3,118 |
| Cash dividends to net income (ytd only)* | 4.4123% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,079 |
| Loan loss allowance to noncurrent loans | 149.2239% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,108 |
| Noncurrent loans to loans | 0.6020% | 2,295 |
| Net loans and leases to total assets | 72.3301% | 1,615 |
| Net loans and leases to deposits | 86.8127% | 1,608 |
| Net loans and leases to core deposits | 89.9141% | 1,976 |
| Total domestic deposits to total assets | 83.3174% | 3,051 |
| Equity capital to assets | 9.7366% | 3,486 |
| Core capital (leverage) ratio | 7.5920% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7387% | 2,980 |
| Memoranda: | ||
| Average total assets | $658,662,500 | 1,219 |
| Average earning assets | $590,112,500 | 1,255 |
| Average equity | $65,897,750 | 1,347 |
| Average total loans | $486,135,500 | 1,160 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,975 |
| Cost of funding earning assets | 0.7144% | 2,308 |
| Net interest margin | 3.7660% | 1,935 |
| Noninterest income to average assets | 1.2384% | 662 |
| Noninterest expense to average assets | 3.0285% | 1,510 |
| Loan and lease loss provision to assets | 0.1221% | 2,812 |
| Net operating income to assets | 1.0933% | 1,991 |
| Return on assets (ROA) | 1.1423% | 1,962 |
| Pretax return on assets | 1.5136% | 1,421 |
| Return on Equity (ROE) | 11.3037% | 1,543 |
| Retained earnings to average equity (ytd only) | 10.5290% | 686 |
| Net charge-offs to loans | 0.0503% | 1,765 |
| Credit loss provision to net charge-offs | 327.7311% | 1,557 |
| Earnings coverage of net charge-offs (x) | 42.2353% | 1,212 |
| Efficiency ratio | 63.8862% | 2,838 |
| Assets per employee ($millions) | 5.1810% | 2,961 |
| Cash dividends to net income (ytd only)* | 6.8531% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 4,105 |
| Loan loss allowance to noncurrent loans | 120.8177% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,023 |
| Noncurrent loans to loans | 0.7243% | 2,067 |
| Net loans and leases to total assets | 71.6290% | 1,781 |
| Net loans and leases to deposits | 87.1521% | 1,647 |
| Net loans and leases to core deposits | 90.5364% | 2,028 |
| Total domestic deposits to total assets | 82.1885% | 3,320 |
| Equity capital to assets | 9.4646% | 3,690 |
| Core capital (leverage) ratio | 7.7159% | 4,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3932% | 3,106 |
| Memoranda: | ||
| Average total assets | $638,725,667 | 1,236 |
| Average earning assets | $570,522,000 | 1,266 |
| Average equity | $64,545,333 | 1,355 |
| Average total loans | $473,386,333 | 1,168 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 1,467 |
| Cost of funding earning assets | 0.8110% | 2,319 |
| Net interest margin | 3.9708% | 1,472 |
| Noninterest income to average assets | 0.8292% | 1,229 |
| Noninterest expense to average assets | 3.2914% | 1,245 |
| Loan and lease loss provision to assets | 0.1299% | 2,094 |
| Net operating income to assets | 0.7138% | 3,228 |
| Return on assets (ROA) | 0.7686% | 3,105 |
| Pretax return on assets | 1.0023% | 2,836 |
| Return on Equity (ROE) | 7.3290% | 2,810 |
| Retained earnings to average equity (ytd only) | 5.7412% | 1,979 |
| Net charge-offs to loans | 0.0301% | 1,778 |
| Credit loss provision to net charge-offs | 573.5294% | 817 |
| Earnings coverage of net charge-offs (x) | 46.9412% | 941 |
| Efficiency ratio | 73.4322% | 1,888 |
| Assets per employee ($millions) | 4.6014% | 3,129 |
| Cash dividends to net income (ytd only)* | 21.6638% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,865 |
| Loan loss allowance to noncurrent loans | 109.3185% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 1,907 |
| Noncurrent loans to loans | 0.8841% | 1,845 |
| Net loans and leases to total assets | 74.4182% | 1,546 |
| Net loans and leases to deposits | 86.9203% | 1,883 |
| Net loans and leases to core deposits | 91.4926% | 2,212 |
| Total domestic deposits to total assets | 85.6166% | 2,162 |
| Equity capital to assets | 10.5115% | 3,308 |
| Core capital (leverage) ratio | 8.4338% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4388% | 3,240 |
| Memoranda: | ||
| Average total assets | $600,598,500 | 1,261 |
| Average earning assets | $533,197,000 | 1,306 |
| Average equity | $62,983,000 | 1,372 |
| Average total loans | $451,752,500 | 1,183 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 1,516 |
| Cost of funding earning assets | 0.9028% | 2,177 |
| Net interest margin | 4.0841% | 1,582 |
| Noninterest income to average assets | 0.8658% | 1,257 |
| Noninterest expense to average assets | 3.5874% | 862 |
| Loan and lease loss provision to assets | 0.1131% | 1,856 |
| Net operating income to assets | 0.5998% | 4,161 |
| Return on assets (ROA) | 0.6127% | 4,183 |
| Pretax return on assets | 0.7854% | 4,002 |
| Return on Equity (ROE) | 5.6775% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.3804% | 2,774 |
| Net charge-offs to loans | 0.0225% | 2,961 |
| Credit loss provision to net charge-offs | 658.6957% | 477 |
| Earnings coverage of net charge-offs (x) | 51.3696% | 1,107 |
| Efficiency ratio | 78.1518% | 1,134 |
| Assets per employee ($millions) | 4.4986% | 3,219 |
| Cash dividends to net income (ytd only)* | 22.8450% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,741 |
| Loan loss allowance to noncurrent loans | 174.9691% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 2,608 |
| Noncurrent loans to loans | 0.5433% | 2,543 |
| Net loans and leases to total assets | 74.5757% | 1,659 |
| Net loans and leases to deposits | 86.4229% | 2,034 |
| Net loans and leases to core deposits | 92.2273% | 2,215 |
| Total domestic deposits to total assets | 86.2916% | 1,936 |
| Equity capital to assets | 10.4613% | 3,488 |
| Core capital (leverage) ratio | 8.4024% | 4,893 |
| Tier 1 risk-based capital ratio | 10.3803% | 5,055 |
| Total risk-based capital ratio | 11.2931% | 5,074 |
| Memoranda: | ||
| Average total assets | $535,793,800 | 1,340 |
| Average earning assets | $472,761,200 | 1,411 |
| Average equity | $57,825,200 | 1,404 |
| Average total loans | $409,123,000 | 1,246 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,585 |
| Cost of funding earning assets | 0.9095% | 2,191 |
| Net interest margin | 4.0725% | 1,695 |
| Noninterest income to average assets | 0.8617% | 1,234 |
| Noninterest expense to average assets | 3.5317% | 913 |
| Loan and lease loss provision to assets | 0.1266% | 1,528 |
| Net operating income to assets | 0.6136% | 4,260 |
| Return on assets (ROA) | 0.6341% | 4,251 |
| Pretax return on assets | 0.8172% | 4,081 |
| Return on Equity (ROE) | 5.8241% | 4,097 |
| Retained earnings to average equity (ytd only) | 4.6494% | 3,081 |
| Net charge-offs to loans | 0.0047% | 3,233 |
| Credit loss provision to net charge-offs | 3,535.7143% | 120 |
| Earnings coverage of net charge-offs (x) | 256.3048% | 362 |
| Efficiency ratio | 77.3122% | 1,177 |
| Assets per employee ($millions) | 4.4603% | 3,268 |
| Cash dividends to net income (ytd only)* | 20.1694% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,800 |
| Loan loss allowance to noncurrent loans | 307.1377% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,220 |
| Noncurrent loans to loans | 0.3112% | 3,411 |
| Net loans and leases to total assets | 73.6696% | 1,881 |
| Net loans and leases to deposits | 85.3283% | 2,281 |
| Net loans and leases to core deposits | 91.3178% | 2,432 |
| Total domestic deposits to total assets | 86.3367% | 1,853 |
| Equity capital to assets | 10.4089% | 3,626 |
| Core capital (leverage) ratio | 8.3691% | 4,999 |
| Tier 1 risk-based capital ratio | 10.3716% | 5,115 |
| Total risk-based capital ratio | 11.2893% | 5,128 |
| Memoranda: | ||
| Average total assets | $521,288,000 | 1,376 |
| Average earning assets | $459,264,750 | 1,442 |
| Average equity | $56,751,250 | 1,427 |
| Average total loans | $399,630,500 | 1,278 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 1,794 |
| Cost of funding earning assets | 0.8846% | 2,223 |
| Net interest margin | 4.0019% | 1,913 |
| Noninterest income to average assets | 0.8566% | 1,188 |
| Noninterest expense to average assets | 3.6275% | 825 |
| Loan and lease loss provision to assets | 0.1327% | 1,408 |
| Net operating income to assets | 0.4894% | 4,548 |
| Return on assets (ROA) | 0.5164% | 4,528 |
| Pretax return on assets | 0.6547% | 4,434 |
| Return on Equity (ROE) | 4.6618% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.7542% | 3,379 |
| Net charge-offs to loans | 0.0010% | 3,148 |
| Credit loss provision to net charge-offs | 16,500.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 936.5000% | 75 |
| Efficiency ratio | 80.7950% | 899 |
| Assets per employee ($millions) | 4.3081% | 3,421 |
| Cash dividends to net income (ytd only)* | 19.4704% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,013 |
| Loan loss allowance to noncurrent loans | 380.1684% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 3,419 |
| Noncurrent loans to loans | 0.2417% | 3,673 |
| Net loans and leases to total assets | 75.3391% | 1,661 |
| Net loans and leases to deposits | 88.5072% | 1,939 |
| Net loans and leases to core deposits | 94.4128% | 2,215 |
| Total domestic deposits to total assets | 85.1219% | 2,423 |
| Equity capital to assets | 10.4103% | 3,596 |
| Core capital (leverage) ratio | 9.0808% | 4,569 |
| Tier 1 risk-based capital ratio | 10.2345% | 5,188 |
| Total risk-based capital ratio | 11.1253% | 5,195 |
| Memoranda: | ||
| Average total assets | $497,309,670 | 1,437 |
| Average earning assets | $437,938,670 | 1,499 |
| Average equity | $55,085,670 | 1,448 |
| Average total loans | $385,760,000 | 1,317 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 1,729 |
| Cost of funding earning assets | 0.8887% | 2,056 |
| Net interest margin | 3.9717% | 1,940 |
| Noninterest income to average assets | 0.8902% | 1,064 |
| Noninterest expense to average assets | 3.5793% | 867 |
| Loan and lease loss provision to assets | 0.1450% | 1,174 |
| Net operating income to assets | 0.5246% | 4,450 |
| Return on assets (ROA) | 0.5246% | 4,470 |
| Pretax return on assets | 0.6573% | 4,404 |
| Return on Equity (ROE) | 4.5611% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.7971% | 3,404 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9840% | 1,068 |
| Assets per employee ($millions) | 4.2942% | 3,490 |
| Cash dividends to net income (ytd only)* | 16.7504% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,158 |
| Loan loss allowance to noncurrent loans | 363.2216% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 3,492 |
| Noncurrent loans to loans | 0.3015% | 3,483 |
| Net loans and leases to total assets | 78.1356% | 1,123 |
| Net loans and leases to deposits | 95.7502% | 997 |
| Net loans and leases to core deposits | 99.2291% | 1,690 |
| Total domestic deposits to total assets | 81.6036% | 3,832 |
| Equity capital to assets | 11.7143% | 2,219 |
| Core capital (leverage) ratio | 10.5466% | 2,999 |
| Tier 1 risk-based capital ratio | 12.5467% | 4,137 |
| Total risk-based capital ratio | 13.5761% | 4,153 |
| Memoranda: | ||
| Average total assets | $455,170,500 | 1,559 |
| Average earning assets | $400,127,500 | 1,637 |
| Average equity | $52,356,000 | 1,517 |
| Average total loans | $357,526,500 | 1,414 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 2,342 |
| Cost of funding earning assets | 0.7749% | 1,663 |
| Net interest margin | 3.7622% | 2,814 |
| Noninterest income to average assets | 0.9562% | 1,048 |
| Noninterest expense to average assets | 3.4795% | 1,019 |
| Loan and lease loss provision to assets | 0.1106% | 1,988 |
| Net operating income to assets | 0.5290% | 4,597 |
| Return on assets (ROA) | 0.5089% | 4,645 |
| Pretax return on assets | 0.6401% | 4,559 |
| Return on Equity (ROE) | 4.4656% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.3085% | 3,758 |
| Net charge-offs to loans | 0.0032% | 3,625 |
| Credit loss provision to net charge-offs | 4,500.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 315.5455% | 319 |
| Efficiency ratio | 79.9821% | 965 |
| Assets per employee ($millions) | 4.3757% | 3,333 |
| Cash dividends to net income (ytd only)* | 25.9113% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,443 |
| Loan loss allowance to noncurrent loans | 264.7768% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,148 |
| Noncurrent loans to loans | 0.3932% | 3,122 |
| Net loans and leases to total assets | 77.2901% | 1,393 |
| Net loans and leases to deposits | 98.0783% | 895 |
| Net loans and leases to core deposits | 101.6130% | 1,605 |
| Total domestic deposits to total assets | 78.8046% | 4,348 |
| Equity capital to assets | 11.2946% | 2,421 |
| Core capital (leverage) ratio | 10.4518% | 3,082 |
| Tier 1 risk-based capital ratio | 12.3206% | 4,226 |
| Total risk-based capital ratio | 13.3006% | 4,277 |
| Memoranda: | ||
| Average total assets | $447,398,200 | 1,544 |
| Average earning assets | $392,324,600 | 1,617 |
| Average equity | $50,989,800 | 1,492 |
| Average total loans | $342,686,000 | 1,428 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 2,483 |
| Cost of funding earning assets | 0.7483% | 1,590 |
| Net interest margin | 3.6958% | 3,036 |
| Noninterest income to average assets | 0.8308% | 1,376 |
| Noninterest expense to average assets | 3.2391% | 1,440 |
| Loan and lease loss provision to assets | 0.1548% | 1,262 |
| Net operating income to assets | 0.5434% | 4,661 |
| Return on assets (ROA) | 0.5434% | 4,668 |
| Pretax return on assets | 0.6808% | 4,576 |
| Return on Equity (ROE) | 4.7565% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.4696% | 4,032 |
| Net charge-offs to loans | 0.0028% | 3,379 |
| Credit loss provision to net charge-offs | 7,371.4286% | 48 |
| Earnings coverage of net charge-offs (x) | 397.9893% | 236 |
| Efficiency ratio | 77.6158% | 1,156 |
| Assets per employee ($millions) | 4.1933% | 3,585 |
| Cash dividends to net income (ytd only)* | 27.0570% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,315 |
| Loan loss allowance to noncurrent loans | 471.3033% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 3,380 |
| Noncurrent loans to loans | 0.2284% | 3,888 |
| Net loans and leases to total assets | 76.3101% | 1,617 |
| Net loans and leases to deposits | 98.9826% | 862 |
| Net loans and leases to core deposits | 103.1794% | 1,516 |
| Total domestic deposits to total assets | 77.0944% | 4,629 |
| Equity capital to assets | 11.2905% | 2,400 |
| Core capital (leverage) ratio | 10.5047% | 3,082 |
| Tier 1 risk-based capital ratio | 12.4743% | 4,210 |
| Total risk-based capital ratio | 13.4829% | 4,248 |
| Memoranda: | ||
| Average total assets | $444,385,750 | 1,563 |
| Average earning assets | $390,050,250 | 1,629 |
| Average equity | $50,764,000 | 1,494 |
| Average total loans | $338,646,500 | 1,447 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,517 |
| Cost of funding earning assets | 0.7207% | 1,517 |
| Net interest margin | 3.6470% | 3,128 |
| Noninterest income to average assets | 0.8008% | 1,474 |
| Noninterest expense to average assets | 3.2299% | 1,470 |
| Loan and lease loss provision to assets | 0.1359% | 1,444 |
| Net operating income to assets | 0.5082% | 4,733 |
| Return on assets (ROA) | 0.5082% | 4,738 |
| Pretax return on assets | 0.6323% | 4,680 |
| Return on Equity (ROE) | 4.4312% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.2859% | 3,928 |
| Net charge-offs to loans | 0.0024% | 3,116 |
| Credit loss provision to net charge-offs | 7,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 218 |
| Efficiency ratio | 78.8603% | 1,131 |
| Assets per employee ($millions) | 4.2222% | 3,543 |
| Cash dividends to net income (ytd only)* | 25.8467% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,527 |
| Loan loss allowance to noncurrent loans | 293.4657% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 3,675 |
| Noncurrent loans to loans | 0.3582% | 3,414 |
| Net loans and leases to total assets | 75.3363% | 1,748 |
| Net loans and leases to deposits | 97.2122% | 1,022 |
| Net loans and leases to core deposits | 101.4532% | 1,608 |
| Total domestic deposits to total assets | 77.4967% | 4,664 |
| Equity capital to assets | 11.4795% | 2,214 |
| Core capital (leverage) ratio | 10.5746% | 2,949 |
| Tier 1 risk-based capital ratio | 12.5008% | 4,181 |
| Total risk-based capital ratio | 13.4659% | 4,241 |
| Memoranda: | ||
| Average total assets | $441,555,670 | 1,579 |
| Average earning assets | $387,112,670 | 1,647 |
| Average equity | $50,641,330 | 1,499 |
| Average total loans | $335,078,330 | 1,464 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,505 |
| Cost of funding earning assets | 0.7039% | 1,419 |
| Net interest margin | 3.5981% | 3,190 |
| Noninterest income to average assets | 0.6345% | 2,107 |
| Noninterest expense to average assets | 3.1861% | 1,592 |
| Loan and lease loss provision to assets | 0.1362% | 1,387 |
| Net operating income to assets | 0.3885% | 4,947 |
| Return on assets (ROA) | 0.3885% | 4,954 |
| Pretax return on assets | 0.4675% | 4,929 |
| Return on Equity (ROE) | 3.3890% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.6764% | 4,108 |
| Net charge-offs to loans | -0.0012% | 3,766 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0359% | 943 |
| Assets per employee ($millions) | 4.2779% | 3,520 |
| Cash dividends to net income (ytd only)* | 21.0280% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,853 |
| Loan loss allowance to noncurrent loans | 262.7799% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,626 |
| Noncurrent loans to loans | 0.3873% | 3,397 |
| Net loans and leases to total assets | 75.1112% | 1,688 |
| Net loans and leases to deposits | 97.8225% | 878 |
| Net loans and leases to core deposits | 101.7659% | 1,552 |
| Total domestic deposits to total assets | 76.7831% | 4,884 |
| Equity capital to assets | 11.4453% | 2,176 |
| Core capital (leverage) ratio | 10.3651% | 3,100 |
| Tier 1 risk-based capital ratio | 12.4242% | 4,290 |
| Total risk-based capital ratio | 13.3559% | 4,381 |
| Memoranda: | ||
| Average total assets | $440,668,000 | 1,594 |
| Average earning assets | $386,429,500 | 1,667 |
| Average equity | $50,516,000 | 1,516 |
| Average total loans | $333,849,000 | 1,471 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,353 |
| Cost of funding earning assets | 0.5402% | 2,029 |
| Net interest margin | 3.7518% | 2,598 |
| Noninterest income to average assets | 0.8908% | 1,302 |
| Noninterest expense to average assets | 3.2895% | 1,396 |
| Loan and lease loss provision to assets | 0.0722% | 2,767 |
| Net operating income to assets | 0.5300% | 4,294 |
| Return on assets (ROA) | 0.5300% | 4,326 |
| Pretax return on assets | 0.8534% | 4,081 |
| Return on Equity (ROE) | 4.7563% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.0978% | 2,709 |
| Net charge-offs to loans | 0.0547% | 2,704 |
| Credit loss provision to net charge-offs | 172.5146% | 1,568 |
| Earnings coverage of net charge-offs (x) | 22.1287% | 1,866 |
| Efficiency ratio | 76.0750% | 1,606 |
| Assets per employee ($millions) | 4.3208% | 3,454 |
| Cash dividends to net income (ytd only)* | 13.8440% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 4,077 |
| Loan loss allowance to noncurrent loans | 390.3962% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 2,961 |
| Noncurrent loans to loans | 0.2499% | 3,892 |
| Net loans and leases to total assets | 74.8982% | 1,772 |
| Net loans and leases to deposits | 100.4972% | 691 |
| Net loans and leases to core deposits | 104.4595% | 1,382 |
| Total domestic deposits to total assets | 74.5276% | 5,135 |
| Equity capital to assets | 11.4817% | 2,218 |
| Core capital (leverage) ratio | 10.8103% | 2,528 |
| Tier 1 risk-based capital ratio | 12.5254% | 4,194 |
| Total risk-based capital ratio | 13.4242% | 4,310 |
| Memoranda: | ||
| Average total assets | $408,848,200 | 1,671 |
| Average earning assets | $362,257,000 | 1,745 |
| Average equity | $45,560,600 | 1,648 |
| Average total loans | $312,355,800 | 1,523 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,263 |
| Cost of funding earning assets | 0.5306% | 2,029 |
| Net interest margin | 3.7678% | 2,513 |
| Noninterest income to average assets | 0.9057% | 1,258 |
| Noninterest expense to average assets | 3.3635% | 1,218 |
| Loan and lease loss provision to assets | 0.1048% | 2,016 |
| Net operating income to assets | 0.5338% | 4,640 |
| Return on assets (ROA) | 0.5338% | 4,673 |
| Pretax return on assets | 0.7889% | 4,379 |
| Return on Equity (ROE) | 4.8306% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.5296% | 3,202 |
| Net charge-offs to loans | 0.0252% | 2,941 |
| Credit loss provision to net charge-offs | 543.1034% | 583 |
| Earnings coverage of net charge-offs (x) | 46.3285% | 1,175 |
| Efficiency ratio | 77.0234% | 1,457 |
| Assets per employee ($millions) | 4.1086% | 3,810 |
| Cash dividends to net income (ytd only)* | 6.2305% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,484 |
| Loan loss allowance to noncurrent loans | 188.8951% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 3,189 |
| Noncurrent loans to loans | 0.5818% | 2,948 |
| Net loans and leases to total assets | 74.1414% | 1,886 |
| Net loans and leases to deposits | 91.6241% | 1,611 |
| Net loans and leases to core deposits | 94.8978% | 2,181 |
| Total domestic deposits to total assets | 80.9191% | 4,070 |
| Equity capital to assets | 12.2119% | 1,830 |
| Core capital (leverage) ratio | 11.1873% | 2,288 |
| Tier 1 risk-based capital ratio | 13.5013% | 3,701 |
| Total risk-based capital ratio | 14.5193% | 3,754 |
| Memoranda: | ||
| Average total assets | $400,881,000 | 1,714 |
| Average earning assets | $356,595,750 | 1,786 |
| Average equity | $44,300,250 | 1,694 |
| Average total loans | $307,109,500 | 1,552 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,213 |
| Cost of funding earning assets | 0.5256% | 1,958 |
| Net interest margin | 3.7488% | 2,474 |
| Noninterest income to average assets | 0.9211% | 1,212 |
| Noninterest expense to average assets | 3.4541% | 1,070 |
| Loan and lease loss provision to assets | 0.1056% | 1,924 |
| Net operating income to assets | 0.4709% | 4,787 |
| Return on assets (ROA) | 0.4709% | 4,815 |
| Pretax return on assets | 0.6947% | 4,564 |
| Return on Equity (ROE) | 4.4211% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.4211% | 3,080 |
| Net charge-offs to loans | 0.0274% | 2,664 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 37.8810% | 1,294 |
| Efficiency ratio | 79.1770% | 1,314 |
| Assets per employee ($millions) | 4.0906% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,778 |
| Loan loss allowance to noncurrent loans | 259.9369% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 3,870 |
| Noncurrent loans to loans | 0.4086% | 3,561 |
| Net loans and leases to total assets | 75.8180% | 1,566 |
| Net loans and leases to deposits | 94.1191% | 1,250 |
| Net loans and leases to core deposits | 97.3914% | 1,861 |
| Total domestic deposits to total assets | 80.5554% | 4,296 |
| Equity capital to assets | 12.2547% | 1,756 |
| Core capital (leverage) ratio | 11.1159% | 2,303 |
| Tier 1 risk-based capital ratio | 13.4561% | 3,717 |
| Total risk-based capital ratio | 14.4582% | 3,775 |
| Memoranda: | ||
| Average total assets | $397,554,000 | 1,729 |
| Average earning assets | $353,504,000 | 1,800 |
| Average equity | $42,342,330 | 1,764 |
| Average total loans | $306,811,330 | 1,548 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,373 |
| Cost of funding earning assets | 0.5041% | 2,055 |
| Net interest margin | 3.6693% | 2,608 |
| Noninterest income to average assets | 0.9933% | 1,019 |
| Noninterest expense to average assets | 3.2246% | 1,541 |
| Loan and lease loss provision to assets | 0.1066% | 1,792 |
| Net operating income to assets | 0.6002% | 4,162 |
| Return on assets (ROA) | 0.6002% | 4,213 |
| Pretax return on assets | 0.9222% | 3,685 |
| Return on Equity (ROE) | 6.1086% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.1086% | 2,278 |
| Net charge-offs to loans | 0.0538% | 1,800 |
| Credit loss provision to net charge-offs | 256.0976% | 870 |
| Earnings coverage of net charge-offs (x) | 24.7073% | 1,346 |
| Efficiency ratio | 73.7822% | 2,268 |
| Assets per employee ($millions) | 4.0086% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 4,029 |
| Loan loss allowance to noncurrent loans | 257.6271% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 3,876 |
| Noncurrent loans to loans | 0.4041% | 3,645 |
| Net loans and leases to total assets | 76.4512% | 1,332 |
| Net loans and leases to deposits | 91.9510% | 1,333 |
| Net loans and leases to core deposits | 96.5344% | 1,778 |
| Total domestic deposits to total assets | 83.1434% | 3,786 |
| Equity capital to assets | 9.8370% | 3,940 |
| Core capital (leverage) ratio | 8.8455% | 4,909 |
| Tier 1 risk-based capital ratio | 10.4498% | 5,563 |
| Total risk-based capital ratio | 11.4354% | 5,606 |
| Memoranda: | ||
| Average total assets | $393,845,500 | 1,760 |
| Average earning assets | $349,932,000 | 1,828 |
| Average equity | $38,699,500 | 1,936 |
| Average total loans | $305,048,500 | 1,556 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,417 |
| Cost of funding earning assets | 0.4882% | 2,182 |
| Net interest margin | 3.7325% | 2,566 |
| Noninterest income to average assets | 1.0413% | 1,044 |
| Noninterest expense to average assets | 3.3599% | 1,442 |
| Loan and lease loss provision to assets | 0.1041% | 2,306 |
| Net operating income to assets | 0.5962% | 4,219 |
| Return on assets (ROA) | 0.5962% | 4,333 |
| Pretax return on assets | 0.9219% | 3,764 |
| Return on Equity (ROE) | 6.0374% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.0374% | 1,682 |
| Net charge-offs to loans | 0.0936% | 2,375 |
| Credit loss provision to net charge-offs | 141.4286% | 1,937 |
| Earnings coverage of net charge-offs (x) | 13.9393% | 2,331 |
| Efficiency ratio | 74.6104% | 2,205 |
| Assets per employee ($millions) | 3.9479% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,137 |
| Loan loss allowance to noncurrent loans | 360.3687% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 3,939 |
| Noncurrent loans to loans | 0.2860% | 4,125 |
| Net loans and leases to total assets | 76.8549% | 1,388 |
| Net loans and leases to deposits | 95.8257% | 1,015 |
| Net loans and leases to core deposits | 101.2755% | 1,507 |
| Total domestic deposits to total assets | 80.2028% | 4,528 |
| Equity capital to assets | 9.8149% | 3,923 |
| Core capital (leverage) ratio | 8.8709% | 4,888 |
| Tier 1 risk-based capital ratio | 10.7218% | 5,478 |
| Total risk-based capital ratio | 11.7194% | 5,525 |
| Memoranda: | ||
| Average total assets | $380,398,400 | 1,763 |
| Average earning assets | $340,869,600 | 1,824 |
| Average equity | $37,565,600 | 1,951 |
| Average total loans | $299,123,800 | 1,516 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 2,451 |
| Cost of funding earning assets | 0.4832% | 2,228 |
| Net interest margin | 3.7343% | 2,577 |
| Noninterest income to average assets | 1.0902% | 954 |
| Noninterest expense to average assets | 3.1322% | 1,948 |
| Loan and lease loss provision to assets | 0.1112% | 2,072 |
| Net operating income to assets | 0.7708% | 3,508 |
| Return on assets (ROA) | 0.7708% | 3,650 |
| Pretax return on assets | 1.2098% | 2,795 |
| Return on Equity (ROE) | 7.7928% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.7928% | 1,260 |
| Net charge-offs to loans | 0.1235% | 1,723 |
| Credit loss provision to net charge-offs | 114.1304% | 2,172 |
| Earnings coverage of net charge-offs (x) | 13.5616% | 2,302 |
| Efficiency ratio | 68.3627% | 3,166 |
| Assets per employee ($millions) | 4.0036% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 4,434 |
| Loan loss allowance to noncurrent loans | 387.6747% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,192 |
| Noncurrent loans to loans | 0.2571% | 4,346 |
| Net loans and leases to total assets | 78.0441% | 1,187 |
| Net loans and leases to deposits | 102.5599% | 536 |
| Net loans and leases to core deposits | 108.0651% | 1,049 |
| Total domestic deposits to total assets | 76.0962% | 5,228 |
| Equity capital to assets | 9.9253% | 4,210 |
| Core capital (leverage) ratio | 9.0794% | 4,746 |
| Tier 1 risk-based capital ratio | 10.8930% | 5,428 |
| Total risk-based capital ratio | 11.8672% | 5,481 |
| Memoranda: | ||
| Average total assets | $377,787,250 | 1,778 |
| Average earning assets | $340,226,750 | 1,829 |
| Average equity | $37,366,750 | 1,974 |
| Average total loans | $298,027,250 | 1,528 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,350 |
| Cost of funding earning assets | 0.4773% | 2,295 |
| Net interest margin | 3.7672% | 2,448 |
| Noninterest income to average assets | 1.0971% | 933 |
| Noninterest expense to average assets | 3.2389% | 1,720 |
| Loan and lease loss provision to assets | 0.1122% | 2,001 |
| Net operating income to assets | 0.7305% | 3,650 |
| Return on assets (ROA) | 0.7305% | 3,807 |
| Pretax return on assets | 1.1414% | 3,034 |
| Return on Equity (ROE) | 7.3944% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.3944% | 1,433 |
| Net charge-offs to loans | 0.2120% | 1,107 |
| Credit loss provision to net charge-offs | 67.0927% | 2,505 |
| Earnings coverage of net charge-offs (x) | 7.4952% | 2,620 |
| Efficiency ratio | 70.1201% | 2,962 |
| Assets per employee ($millions) | 3.9655% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,665 |
| Loan loss allowance to noncurrent loans | 432.8869% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,777 |
| Noncurrent loans to loans | 0.2242% | 4,537 |
| Net loans and leases to total assets | 78.7853% | 1,103 |
| Net loans and leases to deposits | 104.2592% | 448 |
| Net loans and leases to core deposits | 109.6833% | 946 |
| Total domestic deposits to total assets | 75.5668% | 5,348 |
| Equity capital to assets | 10.0280% | 4,194 |
| Core capital (leverage) ratio | 8.7941% | 5,065 |
| Tier 1 risk-based capital ratio | 10.1870% | 5,795 |
| Total risk-based capital ratio | 11.0946% | 5,854 |
| Memoranda: | ||
| Average total assets | $374,265,670 | 1,792 |
| Average earning assets | $337,333,670 | 1,844 |
| Average equity | $36,974,000 | 1,995 |
| Average total loans | $295,324,000 | 1,541 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,743 |
| Cost of funding earning assets | 0.4675% | 2,399 |
| Net interest margin | 3.6594% | 2,852 |
| Noninterest income to average assets | 0.9222% | 1,258 |
| Noninterest expense to average assets | 3.2758% | 1,657 |
| Loan and lease loss provision to assets | 0.1126% | 1,857 |
| Net operating income to assets | 0.5415% | 4,457 |
| Return on assets (ROA) | 0.5415% | 4,562 |
| Pretax return on assets | 0.8321% | 4,097 |
| Return on Equity (ROE) | 5.5234% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.5234% | 2,627 |
| Net charge-offs to loans | 0.0723% | 1,757 |
| Credit loss provision to net charge-offs | 198.1132% | 1,093 |
| Earnings coverage of net charge-offs (x) | 16.6226% | 1,610 |
| Efficiency ratio | 75.5081% | 2,250 |
| Assets per employee ($millions) | 3.8425% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 4,391 |
| Loan loss allowance to noncurrent loans | 162.8055% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 2,462 |
| Noncurrent loans to loans | 0.6391% | 3,255 |
| Net loans and leases to total assets | 78.1894% | 1,078 |
| Net loans and leases to deposits | 101.9135% | 513 |
| Net loans and leases to core deposits | 108.0150% | 971 |
| Total domestic deposits to total assets | 76.7213% | 5,332 |
| Equity capital to assets | 9.8858% | 4,232 |
| Core capital (leverage) ratio | 8.7071% | 5,166 |
| Tier 1 risk-based capital ratio | 10.2424% | 5,850 |
| Total risk-based capital ratio | 11.2312% | 5,874 |
| Memoranda: | ||
| Average total assets | $373,036,000 | 1,803 |
| Average earning assets | $336,233,000 | 1,847 |
| Average equity | $36,572,000 | 2,009 |
| Average total loans | $293,129,500 | 1,550 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,488 |
| Cost of funding earning assets | 0.4448% | 2,686 |
| Net interest margin | 3.7776% | 2,456 |
| Noninterest income to average assets | 0.9900% | 1,204 |
| Noninterest expense to average assets | 3.5151% | 1,264 |
| Loan and lease loss provision to assets | 0.0690% | 2,915 |
| Net operating income to assets | 0.4952% | 4,709 |
| Return on assets (ROA) | 0.5020% | 4,781 |
| Pretax return on assets | 0.8093% | 4,160 |
| Return on Equity (ROE) | 4.9795% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.9795% | 2,435 |
| Net charge-offs to loans | 0.0711% | 2,821 |
| Credit loss provision to net charge-offs | 123.9796% | 2,092 |
| Earnings coverage of net charge-offs (x) | 15.6020% | 2,191 |
| Efficiency ratio | 78.1432% | 1,944 |
| Assets per employee ($millions) | 3.8489% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,427 |
| Loan loss allowance to noncurrent loans | 148.2283% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 2,365 |
| Noncurrent loans to loans | 0.6965% | 3,106 |
| Net loans and leases to total assets | 77.3413% | 1,203 |
| Net loans and leases to deposits | 101.1635% | 597 |
| Net loans and leases to core deposits | 107.1993% | 1,031 |
| Total domestic deposits to total assets | 76.4518% | 5,394 |
| Equity capital to assets | 9.7221% | 4,271 |
| Core capital (leverage) ratio | 8.7209% | 5,194 |
| Tier 1 risk-based capital ratio | 10.2758% | 5,872 |
| Total risk-based capital ratio | 11.2531% | 5,902 |
| Memoranda: | ||
| Average total assets | $352,423,400 | 1,855 |
| Average earning assets | $316,524,000 | 1,910 |
| Average equity | $35,525,400 | 2,006 |
| Average total loans | $275,546,600 | 1,590 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,539 |
| Cost of funding earning assets | 0.4425% | 2,762 |
| Net interest margin | 3.7682% | 2,499 |
| Noninterest income to average assets | 1.0207% | 1,139 |
| Noninterest expense to average assets | 3.3391% | 1,596 |
| Loan and lease loss provision to assets | 0.1037% | 2,128 |
| Net operating income to assets | 0.6275% | 4,252 |
| Return on assets (ROA) | 0.6275% | 4,362 |
| Pretax return on assets | 0.9627% | 3,772 |
| Return on Equity (ROE) | 6.1660% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.1660% | 2,143 |
| Net charge-offs to loans | 0.0884% | 2,280 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 15.4280% | 2,180 |
| Efficiency ratio | 73.8145% | 2,589 |
| Assets per employee ($millions) | 3.8161% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,331 |
| Loan loss allowance to noncurrent loans | 138.6116% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 3,258 |
| Noncurrent loans to loans | 0.7802% | 3,013 |
| Net loans and leases to total assets | 76.2713% | 1,351 |
| Net loans and leases to deposits | 101.0024% | 607 |
| Net loans and leases to core deposits | 107.4019% | 1,009 |
| Total domestic deposits to total assets | 75.5143% | 5,568 |
| Equity capital to assets | 9.8788% | 4,307 |
| Core capital (leverage) ratio | 8.9389% | 5,070 |
| Tier 1 risk-based capital ratio | 10.5359% | 5,868 |
| Total risk-based capital ratio | 11.5558% | 5,885 |
| Memoranda: | ||
| Average total assets | $347,193,000 | 1,901 |
| Average earning assets | $311,861,250 | 1,953 |
| Average equity | $35,332,500 | 2,027 |
| Average total loans | $271,492,750 | 1,619 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,418 |
| Cost of funding earning assets | 0.4407% | 2,832 |
| Net interest margin | 3.7924% | 2,349 |
| Noninterest income to average assets | 0.9513% | 1,297 |
| Noninterest expense to average assets | 3.4195% | 1,443 |
| Loan and lease loss provision to assets | 0.1056% | 2,066 |
| Net operating income to assets | 0.5405% | 4,603 |
| Return on assets (ROA) | 0.5405% | 4,713 |
| Pretax return on assets | 0.8245% | 4,233 |
| Return on Equity (ROE) | 5.2559% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,703 |
| Net charge-offs to loans | 0.0343% | 2,980 |
| Credit loss provision to net charge-offs | 391.3043% | 758 |
| Earnings coverage of net charge-offs (x) | 34.4565% | 1,244 |
| Efficiency ratio | 76.6325% | 2,263 |
| Assets per employee ($millions) | 3.7320% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 4,212 |
| Loan loss allowance to noncurrent loans | 128.9101% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 3,220 |
| Noncurrent loans to loans | 0.8711% | 2,953 |
| Net loans and leases to total assets | 76.9635% | 1,230 |
| Net loans and leases to deposits | 103.0115% | 501 |
| Net loans and leases to core deposits | 108.6519% | 912 |
| Total domestic deposits to total assets | 74.7136% | 5,731 |
| Equity capital to assets | 9.9978% | 4,044 |
| Core capital (leverage) ratio | 9.0377% | 4,911 |
| Tier 1 risk-based capital ratio | 10.5599% | 5,898 |
| Total risk-based capital ratio | 11.6217% | 5,907 |
| Memoranda: | ||
| Average total assets | $340,807,670 | 1,945 |
| Average earning assets | $305,396,670 | 2,020 |
| Average equity | $35,046,330 | 2,050 |
| Average total loans | $267,832,330 | 1,641 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 1,942 |
| Cost of funding earning assets | 0.4290% | 2,983 |
| Net interest margin | 3.9201% | 1,820 |
| Noninterest income to average assets | 0.9882% | 1,142 |
| Noninterest expense to average assets | 3.3179% | 1,677 |
| Loan and lease loss provision to assets | 0.1078% | 1,908 |
| Net operating income to assets | 0.6887% | 3,852 |
| Return on assets (ROA) | 0.6887% | 3,977 |
| Pretax return on assets | 1.0649% | 3,238 |
| Return on Equity (ROE) | 6.6004% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.6004% | 2,192 |
| Net charge-offs to loans | 0.0713% | 2,015 |
| Credit loss provision to net charge-offs | 191.4894% | 1,084 |
| Earnings coverage of net charge-offs (x) | 20.8298% | 1,398 |
| Efficiency ratio | 72.0192% | 3,170 |
| Assets per employee ($millions) | 3.7873% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 4,420 |
| Loan loss allowance to noncurrent loans | 213.6364% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 3,956 |
| Noncurrent loans to loans | 0.5243% | 3,998 |
| Net loans and leases to total assets | 78.7812% | 827 |
| Net loans and leases to deposits | 103.0202% | 410 |
| Net loans and leases to core deposits | 106.0999% | 932 |
| Total domestic deposits to total assets | 76.4716% | 5,689 |
| Equity capital to assets | 10.4274% | 3,615 |
| Core capital (leverage) ratio | 9.2975% | 4,575 |
| Tier 1 risk-based capital ratio | 10.8321% | 5,886 |
| Total risk-based capital ratio | 11.8956% | 5,889 |
| Memoranda: | ||
| Average total assets | $333,942,500 | 1,994 |
| Average earning assets | $298,361,500 | 2,063 |
| Average equity | $34,846,500 | 2,076 |
| Average total loans | $263,766,500 | 1,661 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 2,817 |
| Cost of funding earning assets | 0.4436% | 3,234 |
| Net interest margin | 3.7969% | 2,632 |
| Noninterest income to average assets | 0.7617% | 2,029 |
| Noninterest expense to average assets | 3.4437% | 1,617 |
| Loan and lease loss provision to assets | -0.1094% | 6,161 |
| Net operating income to assets | 0.5321% | 4,675 |
| Return on assets (ROA) | 0.5321% | 4,763 |
| Pretax return on assets | 0.8067% | 4,232 |
| Return on Equity (ROE) | 5.1665% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.1665% | 2,487 |
| Net charge-offs to loans | 0.0035% | 4,892 |
| Credit loss provision to net charge-offs | -3,966.6667% | 6,038 |
| Earnings coverage of net charge-offs (x) | 252.7778% | 216 |
| Efficiency ratio | 81.0881% | 1,760 |
| Assets per employee ($millions) | 3.7592% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 4,308 |
| Loan loss allowance to noncurrent loans | 230.5599% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,528 |
| Noncurrent loans to loans | 0.4966% | 4,168 |
| Net loans and leases to total assets | 77.3884% | 1,089 |
| Net loans and leases to deposits | 97.7944% | 778 |
| Net loans and leases to core deposits | 100.5850% | 1,356 |
| Total domestic deposits to total assets | 79.1338% | 5,225 |
| Equity capital to assets | 10.4425% | 3,557 |
| Core capital (leverage) ratio | 8.9079% | 5,110 |
| Tier 1 risk-based capital ratio | 10.5270% | 6,090 |
| Total risk-based capital ratio | 11.6167% | 6,102 |
| Memoranda: | ||
| Average total assets | $326,251,400 | 1,991 |
| Average earning assets | $290,370,600 | 2,067 |
| Average equity | $33,601,200 | 2,073 |
| Average total loans | $256,092,000 | 1,657 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,896 |
| Cost of funding earning assets | 0.4426% | 3,341 |
| Net interest margin | 3.7850% | 2,673 |
| Noninterest income to average assets | 0.7530% | 2,080 |
| Noninterest expense to average assets | 3.3653% | 1,753 |
| Loan and lease loss provision to assets | -0.0459% | 6,178 |
| Net operating income to assets | 0.5319% | 4,751 |
| Return on assets (ROA) | 0.5319% | 4,825 |
| Pretax return on assets | 0.8042% | 4,351 |
| Return on Equity (ROE) | 5.1829% | 4,634 |
| Retained earnings to average equity (ytd only) | 5.1829% | 2,967 |
| Net charge-offs to loans | -0.0010% | 5,160 |
| Credit loss provision to net charge-offs | 5,600.0000% | 70 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5226% | 1,986 |
| Assets per employee ($millions) | 3.6200% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 3,860 |
| Loan loss allowance to noncurrent loans | 168.1106% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 3,806 |
| Noncurrent loans to loans | 0.7514% | 3,723 |
| Net loans and leases to total assets | 78.1514% | 941 |
| Net loans and leases to deposits | 101.3015% | 537 |
| Net loans and leases to core deposits | 104.2808% | 1,092 |
| Total domestic deposits to total assets | 77.1473% | 5,652 |
| Equity capital to assets | 10.5793% | 3,456 |
| Core capital (leverage) ratio | 8.8250% | 5,303 |
| Tier 1 risk-based capital ratio | 10.5803% | 6,182 |
| Total risk-based capital ratio | 11.7918% | 6,143 |
| Memoranda: | ||
| Average total assets | $325,111,250 | 2,008 |
| Average earning assets | $289,521,250 | 2,088 |
| Average equity | $33,365,250 | 2,094 |
| Average total loans | $255,371,250 | 1,667 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 2,931 |
| Cost of funding earning assets | 0.4481% | 3,348 |
| Net interest margin | 3.7577% | 2,724 |
| Noninterest income to average assets | 0.7262% | 2,161 |
| Noninterest expense to average assets | 3.4721% | 1,529 |
| Loan and lease loss provision to assets | -0.1239% | 6,402 |
| Net operating income to assets | 0.4821% | 4,885 |
| Return on assets (ROA) | 0.4821% | 4,952 |
| Pretax return on assets | 0.7213% | 4,570 |
| Return on Equity (ROE) | 4.7456% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.7456% | 3,120 |
| Net charge-offs to loans | 0.0196% | 3,821 |
| Credit loss provision to net charge-offs | -808.0000% | 5,683 |
| Earnings coverage of net charge-offs (x) | 38.9600% | 1,077 |
| Efficiency ratio | 83.2102% | 1,603 |
| Assets per employee ($millions) | 3.6061% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 4,425 |
| Loan loss allowance to noncurrent loans | 133.3906% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 3,621 |
| Noncurrent loans to loans | 0.8998% | 3,455 |
| Net loans and leases to total assets | 77.8605% | 926 |
| Net loans and leases to deposits | 100.5977% | 526 |
| Net loans and leases to core deposits | 103.4044% | 1,057 |
| Total domestic deposits to total assets | 77.3979% | 5,741 |
| Equity capital to assets | 10.2211% | 3,802 |
| Core capital (leverage) ratio | 8.5796% | 5,550 |
| Tier 1 risk-based capital ratio | 10.3360% | 6,302 |
| Total risk-based capital ratio | 11.5007% | 6,279 |
| Memoranda: | ||
| Average total assets | $326,089,670 | 2,000 |
| Average earning assets | $290,120,670 | 2,073 |
| Average equity | $33,125,670 | 2,090 |
| Average total loans | $255,493,000 | 1,658 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,880 |
| Cost of funding earning assets | 0.4547% | 3,382 |
| Net interest margin | 3.7444% | 2,697 |
| Noninterest income to average assets | 0.7494% | 1,959 |
| Noninterest expense to average assets | 3.7360% | 1,081 |
| Loan and lease loss provision to assets | -0.3593% | 6,636 |
| Net operating income to assets | 0.4750% | 4,810 |
| Return on assets (ROA) | 0.4750% | 4,888 |
| Pretax return on assets | 0.7063% | 4,467 |
| Return on Equity (ROE) | 4.6904% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.6904% | 3,302 |
| Net charge-offs to loans | 0.0299% | 2,984 |
| Credit loss provision to net charge-offs | -1,536.8421% | 5,430 |
| Earnings coverage of net charge-offs (x) | 14.8421% | 1,580 |
| Efficiency ratio | 89.3912% | 1,090 |
| Assets per employee ($millions) | 3.6857% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 4,723 |
| Loan loss allowance to noncurrent loans | 125.6240% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 3,552 |
| Noncurrent loans to loans | 0.9410% | 3,537 |
| Net loans and leases to total assets | 77.8368% | 784 |
| Net loans and leases to deposits | 99.5956% | 459 |
| Net loans and leases to core deposits | 102.5019% | 956 |
| Total domestic deposits to total assets | 78.1529% | 5,809 |
| Equity capital to assets | 10.2109% | 3,583 |
| Core capital (leverage) ratio | 8.4997% | 5,646 |
| Tier 1 risk-based capital ratio | 10.4225% | 6,355 |
| Total risk-based capital ratio | 11.5850% | 6,340 |
| Memoranda: | ||
| Average total assets | $325,057,000 | 2,011 |
| Average earning assets | $289,391,500 | 2,084 |
| Average equity | $32,918,000 | 2,094 |
| Average total loans | $253,936,000 | 1,673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,140 |
| Cost of funding earning assets | 0.5105% | 3,495 |
| Net interest margin | 3.7427% | 2,887 |
| Noninterest income to average assets | 1.3087% | 807 |
| Noninterest expense to average assets | 3.6044% | 1,437 |
| Loan and lease loss provision to assets | 0.2956% | 1,147 |
| Net operating income to assets | 0.4949% | 4,754 |
| Return on assets (ROA) | 0.5062% | 4,836 |
| Pretax return on assets | 0.7552% | 4,317 |
| Return on Equity (ROE) | 4.9377% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.4701% | 2,995 |
| Net charge-offs to loans | -0.0123% | 6,054 |
| Credit loss provision to net charge-offs | -3,303.5714% | 6,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7734% | 2,812 |
| Assets per employee ($millions) | 3.7020% | 4,472 |
| Cash dividends to net income (ytd only)* | 9.4697% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,044 |
| Loan loss allowance to noncurrent loans | 142.1682% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 3,755 |
| Noncurrent loans to loans | 0.9283% | 3,671 |
| Net loans and leases to total assets | 76.4533% | 1,010 |
| Net loans and leases to deposits | 99.5305% | 504 |
| Net loans and leases to core deposits | 102.6480% | 994 |
| Total domestic deposits to total assets | 76.8140% | 6,003 |
| Equity capital to assets | 10.0432% | 3,705 |
| Core capital (leverage) ratio | 8.4337% | 5,742 |
| Tier 1 risk-based capital ratio | 10.3451% | 6,415 |
| Total risk-based capital ratio | 11.5958% | 6,377 |
| Memoranda: | ||
| Average total assets | $312,897,200 | 2,058 |
| Average earning assets | $278,352,200 | 2,126 |
| Average equity | $32,079,600 | 2,124 |
| Average total loans | $228,032,000 | 1,796 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 3,103 |
| Cost of funding earning assets | 0.5174% | 3,595 |
| Net interest margin | 3.7543% | 2,830 |
| Noninterest income to average assets | 1.3704% | 772 |
| Noninterest expense to average assets | 3.7121% | 1,228 |
| Loan and lease loss provision to assets | 0.3229% | 1,033 |
| Net operating income to assets | 0.4596% | 4,979 |
| Return on assets (ROA) | 0.4758% | 5,060 |
| Pretax return on assets | 0.7018% | 4,683 |
| Return on Equity (ROE) | 4.6156% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.6156% | 3,385 |
| Net charge-offs to loans | -0.0985% | 6,492 |
| Credit loss provision to net charge-offs | -457.3171% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8430% | 2,590 |
| Assets per employee ($millions) | 3.4135% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 3,997 |
| Loan loss allowance to noncurrent loans | 141.2876% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 3,737 |
| Noncurrent loans to loans | 0.9750% | 3,858 |
| Net loans and leases to total assets | 74.2418% | 1,256 |
| Net loans and leases to deposits | 97.0540% | 621 |
| Net loans and leases to core deposits | 99.7828% | 1,130 |
| Total domestic deposits to total assets | 76.4953% | 6,114 |
| Equity capital to assets | 10.2033% | 3,640 |
| Core capital (leverage) ratio | 8.4152% | 5,845 |
| Tier 1 risk-based capital ratio | 10.6846% | 6,397 |
| Total risk-based capital ratio | 11.9358% | 6,367 |
| Memoranda: | ||
| Average total assets | $309,678,000 | 2,089 |
| Average earning assets | $275,732,500 | 2,149 |
| Average equity | $31,920,000 | 2,152 |
| Average total loans | $221,941,000 | 1,847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 3,051 |
| Cost of funding earning assets | 0.5385% | 3,517 |
| Net interest margin | 3.7372% | 2,816 |
| Noninterest income to average assets | 1.5533% | 656 |
| Noninterest expense to average assets | 3.8979% | 982 |
| Loan and lease loss provision to assets | 0.3419% | 983 |
| Net operating income to assets | 0.4378% | 5,068 |
| Return on assets (ROA) | 0.4533% | 5,171 |
| Pretax return on assets | 0.6630% | 4,808 |
| Return on Equity (ROE) | 4.3825% | 5,055 |
| Retained earnings to average equity (ytd only) | 4.3825% | 3,484 |
| Net charge-offs to loans | -0.1332% | 6,570 |
| Credit loss provision to net charge-offs | -364.5833% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0328% | 2,449 |
| Assets per employee ($millions) | 3.4269% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,490 |
| Loan loss allowance to noncurrent loans | 121.4428% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 3,794 |
| Noncurrent loans to loans | 1.0738% | 3,781 |
| Net loans and leases to total assets | 71.5906% | 1,640 |
| Net loans and leases to deposits | 93.6695% | 830 |
| Net loans and leases to core deposits | 95.7660% | 1,378 |
| Total domestic deposits to total assets | 76.4290% | 6,203 |
| Equity capital to assets | 9.9415% | 3,981 |
| Core capital (leverage) ratio | 8.1315% | 6,077 |
| Tier 1 risk-based capital ratio | 10.7505% | 6,429 |
| Total risk-based capital ratio | 12.0008% | 6,397 |
| Memoranda: | ||
| Average total assets | $307,085,330 | 2,108 |
| Average earning assets | $273,357,670 | 2,168 |
| Average equity | $31,763,000 | 2,167 |
| Average total loans | $216,262,330 | 1,893 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 3,155 |
| Cost of funding earning assets | 0.5646% | 3,433 |
| Net interest margin | 3.6744% | 2,971 |
| Noninterest income to average assets | 2.1819% | 386 |
| Noninterest expense to average assets | 4.4932% | 543 |
| Loan and lease loss provision to assets | 0.4006% | 772 |
| Net operating income to assets | 0.3886% | 5,172 |
| Return on assets (ROA) | 0.3886% | 5,318 |
| Pretax return on assets | 0.5555% | 5,098 |
| Return on Equity (ROE) | 3.6798% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.6798% | 4,019 |
| Net charge-offs to loans | -0.0964% | 6,426 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8135% | 2,205 |
| Assets per employee ($millions) | 3.4338% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 4,971 |
| Loan loss allowance to noncurrent loans | 103.7262% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 3,844 |
| Noncurrent loans to loans | 1.2012% | 3,765 |
| Net loans and leases to total assets | 67.7086% | 2,068 |
| Net loans and leases to deposits | 87.3383% | 1,208 |
| Net loans and leases to core deposits | 89.2802% | 1,777 |
| Total domestic deposits to total assets | 77.5245% | 6,185 |
| Equity capital to assets | 9.9506% | 4,210 |
| Core capital (leverage) ratio | 8.5859% | 5,462 |
| Tier 1 risk-based capital ratio | 11.1129% | 6,354 |
| Total risk-based capital ratio | 12.3182% | 6,350 |
| Memoranda: | ||
| Average total assets | $299,561,500 | 2,194 |
| Average earning assets | $266,386,000 | 2,243 |
| Average equity | $31,632,000 | 2,203 |
| Average total loans | $207,561,500 | 1,963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,328 |
| Cost of funding earning assets | 0.7505% | 3,085 |
| Net interest margin | 4.0179% | 2,323 |
| Noninterest income to average assets | 1.5019% | 699 |
| Noninterest expense to average assets | 3.6405% | 1,520 |
| Loan and lease loss provision to assets | 0.4103% | 1,569 |
| Net operating income to assets | 0.6605% | 3,929 |
| Return on assets (ROA) | 0.6979% | 4,000 |
| Pretax return on assets | 1.0436% | 3,380 |
| Return on Equity (ROE) | 6.1884% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.1884% | 1,977 |
| Net charge-offs to loans | 0.6481% | 1,813 |
| Credit loss provision to net charge-offs | 85.0575% | 3,665 |
| Earnings coverage of net charge-offs (x) | 2.8981% | 3,978 |
| Efficiency ratio | 70.5062% | 3,710 |
| Assets per employee ($millions) | 3.1793% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 5,059 |
| Loan loss allowance to noncurrent loans | 215.9855% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 4,824 |
| Noncurrent loans to loans | 0.5613% | 5,129 |
| Net loans and leases to total assets | 69.2667% | 1,984 |
| Net loans and leases to deposits | 92.2810% | 894 |
| Net loans and leases to core deposits | 94.7721% | 1,400 |
| Total domestic deposits to total assets | 75.0607% | 6,440 |
| Equity capital to assets | 11.2544% | 2,683 |
| Core capital (leverage) ratio | 9.4665% | 4,155 |
| Tier 1 risk-based capital ratio | 12.3688% | 5,564 |
| Total risk-based capital ratio | 13.5376% | 5,561 |
| Memoranda: | ||
| Average total assets | $270,515,000 | 2,338 |
| Average earning assets | $238,108,000 | 2,433 |
| Average equity | $30,508,800 | 2,219 |
| Average total loans | $201,349,800 | 1,994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 2,512 |
| Cost of funding earning assets | 0.7901% | 3,025 |
| Net interest margin | 3.9796% | 2,577 |
| Noninterest income to average assets | 1.5605% | 610 |
| Noninterest expense to average assets | 3.7175% | 1,341 |
| Loan and lease loss provision to assets | 0.4027% | 1,591 |
| Net operating income to assets | 0.6338% | 4,222 |
| Return on assets (ROA) | 0.6840% | 4,247 |
| Pretax return on assets | 1.0186% | 3,643 |
| Return on Equity (ROE) | 6.0620% | 4,303 |
| Retained earnings to average equity (ytd only) | 6.0620% | 2,665 |
| Net charge-offs to loans | 0.5395% | 1,987 |
| Credit loss provision to net charge-offs | 98.7805% | 3,039 |
| Earnings coverage of net charge-offs (x) | 3.3024% | 3,703 |
| Efficiency ratio | 71.6572% | 3,381 |
| Assets per employee ($millions) | 3.2071% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,948 |
| Loan loss allowance to noncurrent loans | 90.0879% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 3,602 |
| Noncurrent loans to loans | 1.4100% | 3,685 |
| Net loans and leases to total assets | 74.8388% | 1,128 |
| Net loans and leases to deposits | 98.5116% | 516 |
| Net loans and leases to core deposits | 101.2668% | 1,032 |
| Total domestic deposits to total assets | 75.9696% | 6,385 |
| Equity capital to assets | 11.6514% | 2,593 |
| Core capital (leverage) ratio | 9.4846% | 4,292 |
| Tier 1 risk-based capital ratio | 11.9407% | 5,969 |
| Total risk-based capital ratio | 13.1850% | 5,960 |
| Memoranda: | ||
| Average total assets | $268,200,000 | 2,386 |
| Average earning assets | $236,097,000 | 2,466 |
| Average equity | $30,264,250 | 2,252 |
| Average total loans | $202,645,000 | 2,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,502 |
| Cost of funding earning assets | 0.8194% | 3,037 |
| Net interest margin | 3.9818% | 2,584 |
| Noninterest income to average assets | 1.6290% | 558 |
| Noninterest expense to average assets | 3.8242% | 1,175 |
| Loan and lease loss provision to assets | 0.3794% | 1,726 |
| Net operating income to assets | 0.6210% | 4,275 |
| Return on assets (ROA) | 0.6918% | 4,173 |
| Pretax return on assets | 1.0302% | 3,596 |
| Return on Equity (ROE) | 6.1971% | 4,213 |
| Retained earnings to average equity (ytd only) | 6.1971% | 2,569 |
| Net charge-offs to loans | 0.4297% | 2,321 |
| Credit loss provision to net charge-offs | 116.9725% | 2,353 |
| Earnings coverage of net charge-offs (x) | 4.0206% | 3,197 |
| Efficiency ratio | 72.8460% | 3,266 |
| Assets per employee ($millions) | 3.1789% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,922 |
| Loan loss allowance to noncurrent loans | 84.7040% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 3,496 |
| Noncurrent loans to loans | 1.5259% | 3,616 |
| Net loans and leases to total assets | 74.8161% | 1,127 |
| Net loans and leases to deposits | 99.2727% | 452 |
| Net loans and leases to core deposits | 102.3108% | 961 |
| Total domestic deposits to total assets | 75.3642% | 6,550 |
| Equity capital to assets | 11.2989% | 2,791 |
| Core capital (leverage) ratio | 9.3228% | 4,421 |
| Tier 1 risk-based capital ratio | 11.5917% | 6,172 |
| Total risk-based capital ratio | 12.8419% | 6,151 |
| Memoranda: | ||
| Average total assets | $268,869,330 | 2,380 |
| Average earning assets | $236,277,000 | 2,463 |
| Average equity | $30,014,000 | 2,252 |
| Average total loans | $202,934,000 | 1,998 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 2,422 |
| Cost of funding earning assets | 0.8707% | 2,910 |
| Net interest margin | 3.9846% | 2,573 |
| Noninterest income to average assets | 1.2841% | 860 |
| Noninterest expense to average assets | 4.0059% | 931 |
| Loan and lease loss provision to assets | 0.3132% | 2,002 |
| Net operating income to assets | 0.3460% | 5,493 |
| Return on assets (ROA) | 0.3460% | 5,665 |
| Pretax return on assets | 0.4594% | 5,559 |
| Return on Equity (ROE) | 3.1187% | 5,673 |
| Retained earnings to average equity (ytd only) | 3.1187% | 4,692 |
| Net charge-offs to loans | 0.6376% | 1,528 |
| Credit loss provision to net charge-offs | 65.2174% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.6087% | 3,516 |
| Efficiency ratio | 81.9600% | 1,936 |
| Assets per employee ($millions) | 3.1240% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 5,389 |
| Loan loss allowance to noncurrent loans | 65.7318% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 3,308 |
| Noncurrent loans to loans | 1.8594% | 3,331 |
| Net loans and leases to total assets | 74.9021% | 935 |
| Net loans and leases to deposits | 97.4780% | 461 |
| Net loans and leases to core deposits | 100.7313% | 944 |
| Total domestic deposits to total assets | 76.8400% | 6,422 |
| Equity capital to assets | 11.2514% | 2,675 |
| Core capital (leverage) ratio | 9.0362% | 4,780 |
| Tier 1 risk-based capital ratio | 11.4130% | 6,333 |
| Total risk-based capital ratio | 12.6169% | 6,333 |
| Memoranda: | ||
| Average total assets | $268,202,000 | 2,402 |
| Average earning assets | $235,206,000 | 2,488 |
| Average equity | $29,756,000 | 2,277 |
| Average total loans | $201,999,500 | 2,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9955% | 2,904 |
| Cost of funding earning assets | 1.1090% | 2,611 |
| Net interest margin | 3.8865% | 3,396 |
| Noninterest income to average assets | 0.9381% | 1,543 |
| Noninterest expense to average assets | 3.5078% | 1,959 |
| Loan and lease loss provision to assets | 0.7035% | 1,452 |
| Net operating income to assets | 0.1199% | 5,817 |
| Return on assets (ROA) | 0.1199% | 5,939 |
| Pretax return on assets | 0.1406% | 5,901 |
| Return on Equity (ROE) | 1.0888% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.0888% | 5,345 |
| Net charge-offs to loans | 0.7675% | 2,240 |
| Credit loss provision to net charge-offs | 121.4101% | 2,608 |
| Earnings coverage of net charge-offs (x) | 1.4567% | 4,678 |
| Efficiency ratio | 78.5720% | 2,514 |
| Assets per employee ($millions) | 3.1866% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 5,066 |
| Loan loss allowance to noncurrent loans | 60.1731% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8969% | 3,113 |
| Noncurrent loans to loans | 2.1101% | 3,054 |
| Net loans and leases to total assets | 73.8636% | 1,296 |
| Net loans and leases to deposits | 95.5645% | 699 |
| Net loans and leases to core deposits | 100.0520% | 1,172 |
| Total domestic deposits to total assets | 77.2919% | 6,301 |
| Equity capital to assets | 10.9409% | 3,037 |
| Core capital (leverage) ratio | 8.8761% | 4,986 |
| Tier 1 risk-based capital ratio | 11.1866% | 6,356 |
| Total risk-based capital ratio | 12.4353% | 6,335 |
| Memoranda: | ||
| Average total assets | $266,808,800 | 2,363 |
| Average earning assets | $234,352,200 | 2,451 |
| Average equity | $29,390,800 | 2,239 |
| Average total loans | $201,430,600 | 2,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 2,960 |
| Cost of funding earning assets | 1.1637% | 2,540 |
| Net interest margin | 3.8629% | 3,559 |
| Noninterest income to average assets | 0.9566% | 1,464 |
| Noninterest expense to average assets | 3.5284% | 1,861 |
| Loan and lease loss provision to assets | 0.6030% | 1,633 |
| Net operating income to assets | 0.1585% | 5,804 |
| Return on assets (ROA) | 0.1585% | 5,930 |
| Pretax return on assets | 0.2222% | 5,855 |
| Return on Equity (ROE) | 1.4365% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.4365% | 5,429 |
| Net charge-offs to loans | 0.7478% | 2,069 |
| Credit loss provision to net charge-offs | 106.5603% | 3,106 |
| Earnings coverage of net charge-offs (x) | 1.4583% | 4,539 |
| Efficiency ratio | 79.0183% | 2,405 |
| Assets per employee ($millions) | 3.2117% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,658 |
| Loan loss allowance to noncurrent loans | 49.5507% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.0122% | 3,127 |
| Noncurrent loans to loans | 2.3311% | 2,971 |
| Net loans and leases to total assets | 74.3480% | 1,266 |
| Net loans and leases to deposits | 95.8282% | 709 |
| Net loans and leases to core deposits | 100.3875% | 1,210 |
| Total domestic deposits to total assets | 77.5847% | 6,278 |
| Equity capital to assets | 11.1337% | 3,016 |
| Core capital (leverage) ratio | 8.9036% | 5,093 |
| Tier 1 risk-based capital ratio | 11.1796% | 6,444 |
| Total risk-based capital ratio | 12.3059% | 6,496 |
| Memoranda: | ||
| Average total assets | $265,795,000 | 2,382 |
| Average earning assets | $233,739,000 | 2,475 |
| Average equity | $29,329,750 | 2,242 |
| Average total loans | $201,127,500 | 2,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 2,813 |
| Cost of funding earning assets | 1.2210% | 2,434 |
| Net interest margin | 3.8514% | 3,527 |
| Noninterest income to average assets | 0.9362% | 1,507 |
| Noninterest expense to average assets | 3.5264% | 1,917 |
| Loan and lease loss provision to assets | 0.7472% | 1,247 |
| Net operating income to assets | 0.0309% | 6,166 |
| Return on assets (ROA) | 0.0309% | 6,245 |
| Pretax return on assets | 0.0482% | 6,188 |
| Return on Equity (ROE) | 0.2807% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.2807% | 5,725 |
| Net charge-offs to loans | 0.9318% | 1,671 |
| Credit loss provision to net charge-offs | 105.7569% | 2,916 |
| Earnings coverage of net charge-offs (x) | 1.1258% | 4,432 |
| Efficiency ratio | 79.5573% | 2,456 |
| Assets per employee ($millions) | 3.1574% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,740 |
| Loan loss allowance to noncurrent loans | 51.4452% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 3,057 |
| Noncurrent loans to loans | 2.2450% | 3,165 |
| Net loans and leases to total assets | 74.0898% | 1,402 |
| Net loans and leases to deposits | 95.5861% | 761 |
| Net loans and leases to core deposits | 100.5100% | 1,298 |
| Total domestic deposits to total assets | 77.5111% | 6,370 |
| Equity capital to assets | 11.0771% | 2,879 |
| Core capital (leverage) ratio | 8.7935% | 5,059 |
| Tier 1 risk-based capital ratio | 11.1070% | 6,443 |
| Total risk-based capital ratio | 12.2328% | 6,520 |
| Memoranda: | ||
| Average total assets | $265,537,330 | 2,403 |
| Average earning assets | $233,420,330 | 2,496 |
| Average equity | $29,213,330 | 2,227 |
| Average total loans | $201,335,330 | 2,071 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 2,704 |
| Cost of funding earning assets | 1.2777% | 2,321 |
| Net interest margin | 3.8090% | 3,574 |
| Noninterest income to average assets | 1.0433% | 1,209 |
| Noninterest expense to average assets | 3.6508% | 1,649 |
| Loan and lease loss provision to assets | 1.1773% | 600 |
| Net operating income to assets | -0.3297% | 6,688 |
| Return on assets (ROA) | -0.3297% | 6,697 |
| Pretax return on assets | -0.4366% | 6,722 |
| Return on Equity (ROE) | -3.0072% | 6,672 |
| Retained earnings to average equity (ytd only) | -3.0072% | 6,298 |
| Net charge-offs to loans | 1.4985% | 911 |
| Credit loss provision to net charge-offs | 103.0303% | 2,574 |
| Earnings coverage of net charge-offs (x) | 0.6482% | 4,139 |
| Efficiency ratio | 81.1450% | 2,347 |
| Assets per employee ($millions) | 3.1452% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,979 |
| Loan loss allowance to noncurrent loans | 48.2634% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.1613% | 3,115 |
| Noncurrent loans to loans | 2.3153% | 3,172 |
| Net loans and leases to total assets | 75.8648% | 1,045 |
| Net loans and leases to deposits | 97.7550% | 585 |
| Net loans and leases to core deposits | 102.4803% | 1,163 |
| Total domestic deposits to total assets | 77.6071% | 6,429 |
| Equity capital to assets | 10.9900% | 2,697 |
| Core capital (leverage) ratio | 8.7511% | 4,996 |
| Tier 1 risk-based capital ratio | 10.8861% | 6,578 |
| Total risk-based capital ratio | 11.9868% | 6,658 |
| Memoranda: | ||
| Average total assets | $265,694,000 | 2,423 |
| Average earning assets | $233,549,500 | 2,509 |
| Average equity | $29,130,500 | 2,224 |
| Average total loans | $202,603,000 | 2,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3396% | 2,936 |
| Cost of funding earning assets | 1.5446% | 2,375 |
| Net interest margin | 3.7949% | 3,970 |
| Noninterest income to average assets | 0.9098% | 1,818 |
| Noninterest expense to average assets | 3.3343% | 2,626 |
| Loan and lease loss provision to assets | 0.7930% | 2,058 |
| Net operating income to assets | 0.1433% | 5,464 |
| Return on assets (ROA) | 0.1369% | 5,632 |
| Pretax return on assets | 0.1037% | 5,693 |
| Return on Equity (ROE) | 1.2516% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.2516% | 4,932 |
| Net charge-offs to loans | 0.9323% | 2,318 |
| Credit loss provision to net charge-offs | 111.6835% | 3,923 |
| Earnings coverage of net charge-offs (x) | 1.2719% | 4,832 |
| Efficiency ratio | 76.4905% | 2,965 |
| Assets per employee ($millions) | 3.2192% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,930 |
| Loan loss allowance to noncurrent loans | 52.0186% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9492% | 3,412 |
| Noncurrent loans to loans | 2.1283% | 3,404 |
| Net loans and leases to total assets | 74.9526% | 1,483 |
| Net loans and leases to deposits | 96.3935% | 837 |
| Net loans and leases to core deposits | 100.6741% | 1,560 |
| Total domestic deposits to total assets | 77.7569% | 6,362 |
| Equity capital to assets | 10.9382% | 2,739 |
| Core capital (leverage) ratio | 8.6911% | 5,036 |
| Tier 1 risk-based capital ratio | 10.9850% | 6,334 |
| Total risk-based capital ratio | 12.0772% | 6,437 |
| Memoranda: | ||
| Average total assets | $265,210,400 | 2,398 |
| Average earning assets | $232,546,400 | 2,502 |
| Average equity | $29,003,000 | 2,239 |
| Average total loans | $201,963,000 | 2,138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 3,025 |
| Cost of funding earning assets | 1.5811% | 2,500 |
| Net interest margin | 3.7902% | 4,008 |
| Noninterest income to average assets | 0.8144% | 2,159 |
| Noninterest expense to average assets | 3.2819% | 2,624 |
| Loan and lease loss provision to assets | 0.7747% | 1,970 |
| Net operating income to assets | 0.1274% | 5,699 |
| Return on assets (ROA) | 0.1189% | 5,883 |
| Pretax return on assets | 0.0720% | 5,966 |
| Return on Equity (ROE) | 1.0870% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.0870% | 5,379 |
| Net charge-offs to loans | 0.6752% | 2,739 |
| Credit loss provision to net charge-offs | 150.4892% | 2,586 |
| Earnings coverage of net charge-offs (x) | 1.6614% | 4,460 |
| Efficiency ratio | 77.0392% | 2,758 |
| Assets per employee ($millions) | 3.2690% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 5,283 |
| Loan loss allowance to noncurrent loans | 63.0402% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9729% | 3,504 |
| Noncurrent loans to loans | 1.9692% | 3,722 |
| Net loans and leases to total assets | 76.2548% | 1,357 |
| Net loans and leases to deposits | 98.1900% | 782 |
| Net loans and leases to core deposits | 102.4876% | 1,604 |
| Total domestic deposits to total assets | 77.6604% | 6,325 |
| Equity capital to assets | 11.0567% | 2,906 |
| Core capital (leverage) ratio | 8.6993% | 5,191 |
| Tier 1 risk-based capital ratio | 10.8775% | 6,487 |
| Total risk-based capital ratio | 12.1118% | 6,479 |
| Memoranda: | ||
| Average total assets | $264,714,750 | 2,447 |
| Average earning assets | $232,064,500 | 2,543 |
| Average equity | $28,947,250 | 2,278 |
| Average total loans | $201,826,250 | 2,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 3,115 |
| Cost of funding earning assets | 1.5945% | 2,689 |
| Net interest margin | 3.7737% | 4,028 |
| Noninterest income to average assets | 0.7261% | 2,543 |
| Noninterest expense to average assets | 3.2861% | 2,601 |
| Loan and lease loss provision to assets | 0.9279% | 1,576 |
| Net operating income to assets | -0.0341% | 6,122 |
| Return on assets (ROA) | -0.0423% | 6,229 |
| Pretax return on assets | -0.1942% | 6,331 |
| Return on Equity (ROE) | -0.3884% | 6,235 |
| Retained earnings to average equity (ytd only) | -0.3884% | 5,815 |
| Net charge-offs to loans | 0.9973% | 1,861 |
| Credit loss provision to net charge-offs | 122.5549% | 3,298 |
| Earnings coverage of net charge-offs (x) | 0.9860% | 4,800 |
| Efficiency ratio | 79.0706% | 2,565 |
| Assets per employee ($millions) | 3.3232% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,921 |
| Loan loss allowance to noncurrent loans | 56.6532% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.0996% | 3,381 |
| Noncurrent loans to loans | 1.9484% | 3,797 |
| Net loans and leases to total assets | 75.7594% | 1,533 |
| Net loans and leases to deposits | 97.2450% | 940 |
| Net loans and leases to core deposits | 101.6052% | 1,857 |
| Total domestic deposits to total assets | 77.9057% | 6,291 |
| Equity capital to assets | 10.9036% | 2,963 |
| Core capital (leverage) ratio | 8.6444% | 5,164 |
| Tier 1 risk-based capital ratio | 10.8660% | 6,386 |
| Total risk-based capital ratio | 11.9757% | 6,493 |
| Memoranda: | ||
| Average total assets | $264,689,670 | 2,467 |
| Average earning assets | $231,921,330 | 2,568 |
| Average equity | $28,837,330 | 2,272 |
| Average total loans | $200,950,670 | 2,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 3,072 |
| Cost of funding earning assets | 1.6199% | 2,838 |
| Net interest margin | 3.7722% | 3,908 |
| Noninterest income to average assets | 0.4589% | 4,388 |
| Noninterest expense to average assets | 3.4017% | 2,231 |
| Loan and lease loss provision to assets | 1.7008% | 667 |
| Net operating income to assets | -0.7438% | 6,984 |
| Return on assets (ROA) | -0.7603% | 7,016 |
| Pretax return on assets | -1.3752% | 7,214 |
| Return on Equity (ROE) | -6.9814% | 6,990 |
| Retained earnings to average equity (ytd only) | -6.9814% | 6,739 |
| Net charge-offs to loans | 1.7736% | 976 |
| Credit loss provision to net charge-offs | 126.8927% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.2621% | 4,811 |
| Efficiency ratio | 87.9338% | 1,590 |
| Assets per employee ($millions) | 3.4353% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,819 |
| Loan loss allowance to noncurrent loans | 44.8235% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5501% | 2,846 |
| Noncurrent loans to loans | 2.5436% | 3,129 |
| Net loans and leases to total assets | 75.0585% | 1,731 |
| Net loans and leases to deposits | 96.9610% | 1,002 |
| Net loans and leases to core deposits | 101.4170% | 1,980 |
| Total domestic deposits to total assets | 77.4110% | 6,466 |
| Equity capital to assets | 10.9015% | 2,847 |
| Core capital (leverage) ratio | 8.4891% | 5,394 |
| Tier 1 risk-based capital ratio | 10.6970% | 6,443 |
| Total risk-based capital ratio | 11.8201% | 6,561 |
| Memoranda: | ||
| Average total assets | $264,106,500 | 2,526 |
| Average earning assets | $230,634,000 | 2,640 |
| Average equity | $28,762,000 | 2,307 |
| Average total loans | $199,596,500 | 2,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 3,852 |
| Cost of funding earning assets | 1.9316% | 3,288 |
| Net interest margin | 3.6215% | 4,470 |
| Noninterest income to average assets | 0.8672% | 2,093 |
| Noninterest expense to average assets | 3.2928% | 3,030 |
| Loan and lease loss provision to assets | 1.0566% | 2,175 |
| Net operating income to assets | -0.0874% | 5,657 |
| Return on assets (ROA) | -0.1358% | 5,730 |
| Pretax return on assets | -0.3914% | 5,908 |
| Return on Equity (ROE) | -1.2403% | 5,728 |
| Retained earnings to average equity (ytd only) | -2.0695% | 5,533 |
| Net charge-offs to loans | 1.5182% | 1,652 |
| Credit loss provision to net charge-offs | 93.0713% | 5,893 |
| Earnings coverage of net charge-offs (x) | 0.6526% | 5,438 |
| Efficiency ratio | 79.4018% | 2,970 |
| Assets per employee ($millions) | 3.3814% | 5,306 |
| Cash dividends to net income (ytd only)* | -66.8524% | 7,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,339 |
| Loan loss allowance to noncurrent loans | 43.6434% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.3936% | 2,908 |
| Noncurrent loans to loans | 2.3053% | 3,281 |
| Net loans and leases to total assets | 74.4753% | 2,146 |
| Net loans and leases to deposits | 94.6276% | 1,510 |
| Net loans and leases to core deposits | 111.9769% | 2,699 |
| Total domestic deposits to total assets | 78.7036% | 6,065 |
| Equity capital to assets | 10.8793% | 2,793 |
| Core capital (leverage) ratio | 8.6566% | 5,004 |
| Tier 1 risk-based capital ratio | 10.7042% | 6,200 |
| Total risk-based capital ratio | 11.6859% | 6,432 |
| Memoranda: | ||
| Average total assets | $264,426,800 | 2,475 |
| Average earning assets | $231,203,600 | 2,586 |
| Average equity | $28,944,000 | 2,307 |
| Average total loans | $197,736,000 | 2,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 3,963 |
| Cost of funding earning assets | 1.9923% | 3,398 |
| Net interest margin | 3.5895% | 4,515 |
| Noninterest income to average assets | 0.9999% | 1,608 |
| Noninterest expense to average assets | 3.4284% | 2,489 |
| Loan and lease loss provision to assets | 1.0737% | 1,814 |
| Net operating income to assets | -0.1335% | 5,953 |
| Return on assets (ROA) | -0.1982% | 6,070 |
| Pretax return on assets | -0.4610% | 6,255 |
| Return on Equity (ROE) | -1.8076% | 6,070 |
| Retained earnings to average equity (ytd only) | -2.4070% | 5,802 |
| Net charge-offs to loans | 1.7068% | 1,185 |
| Credit loss provision to net charge-offs | 84.2523% | 5,648 |
| Earnings coverage of net charge-offs (x) | 0.5601% | 5,470 |
| Efficiency ratio | 80.5956% | 2,759 |
| Assets per employee ($millions) | 3.3048% | 5,391 |
| Cash dividends to net income (ytd only)* | -33.1637% | 7,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,619 |
| Loan loss allowance to noncurrent loans | 36.5576% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 2.8677% | 2,428 |
| Noncurrent loans to loans | 2.5578% | 2,953 |
| Net loans and leases to total assets | 74.3815% | 2,417 |
| Net loans and leases to deposits | 95.6748% | 1,622 |
| Net loans and leases to core deposits | 114.0672% | 2,818 |
| Total domestic deposits to total assets | 77.7441% | 6,158 |
| Equity capital to assets | 11.1349% | 2,891 |
| Core capital (leverage) ratio | 8.6788% | 5,164 |
| Tier 1 risk-based capital ratio | 11.0369% | 5,913 |
| Total risk-based capital ratio | 11.9565% | 6,216 |
| Memoranda: | ||
| Average total assets | $263,751,000 | 2,493 |
| Average earning assets | $230,888,750 | 2,607 |
| Average equity | $28,914,500 | 2,326 |
| Average total loans | $196,928,000 | 2,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6021% | 4,067 |
| Cost of funding earning assets | 2.0094% | 3,729 |
| Net interest margin | 3.5927% | 4,395 |
| Noninterest income to average assets | 1.1223% | 1,253 |
| Noninterest expense to average assets | 3.3865% | 2,670 |
| Loan and lease loss provision to assets | 1.6324% | 1,026 |
| Net operating income to assets | -0.3371% | 6,368 |
| Return on assets (ROA) | -0.3371% | 6,382 |
| Pretax return on assets | -0.7550% | 6,655 |
| Return on Equity (ROE) | -3.0905% | 6,369 |
| Retained earnings to average equity (ytd only) | -3.9914% | 6,138 |
| Net charge-offs to loans | 1.3041% | 1,414 |
| Credit loss provision to net charge-offs | 167.9627% | 2,740 |
| Earnings coverage of net charge-offs (x) | 0.9028% | 4,857 |
| Efficiency ratio | 77.3130% | 3,452 |
| Assets per employee ($millions) | 3.2274% | 5,519 |
| Cash dividends to net income (ytd only)* | -29.1480% | 7,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 2,753 |
| Loan loss allowance to noncurrent loans | 60.2601% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.6946% | 2,384 |
| Noncurrent loans to loans | 2.6519% | 2,727 |
| Net loans and leases to total assets | 73.1149% | 2,935 |
| Net loans and leases to deposits | 94.9753% | 1,957 |
| Net loans and leases to core deposits | 111.9006% | 3,145 |
| Total domestic deposits to total assets | 76.9830% | 6,335 |
| Equity capital to assets | 11.0391% | 2,879 |
| Core capital (leverage) ratio | 8.6091% | 5,252 |
| Tier 1 risk-based capital ratio | 11.0705% | 5,804 |
| Total risk-based capital ratio | 12.3242% | 5,724 |
| Memoranda: | ||
| Average total assets | $264,641,000 | 2,494 |
| Average earning assets | $231,414,000 | 2,617 |
| Average equity | $28,862,330 | 2,345 |
| Average total loans | $197,227,670 | 2,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6346% | 4,143 |
| Cost of funding earning assets | 2.0425% | 3,909 |
| Net interest margin | 3.5920% | 4,347 |
| Noninterest income to average assets | 1.2529% | 913 |
| Noninterest expense to average assets | 3.5785% | 1,912 |
| Loan and lease loss provision to assets | 2.5434% | 453 |
| Net operating income to assets | -0.8909% | 7,185 |
| Return on assets (ROA) | -0.8909% | 7,213 |
| Pretax return on assets | -1.7277% | 7,447 |
| Return on Equity (ROE) | -8.2177% | 7,251 |
| Retained earnings to average equity (ytd only) | -10.0192% | 7,114 |
| Net charge-offs to loans | 1.7512% | 830 |
| Credit loss provision to net charge-offs | 194.5977% | 2,270 |
| Earnings coverage of net charge-offs (x) | 0.6241% | 4,492 |
| Efficiency ratio | 79.4530% | 2,917 |
| Assets per employee ($millions) | 3.3106% | 5,299 |
| Cash dividends to net income (ytd only)* | -21.9224% | 8,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 2,659 |
| Loan loss allowance to noncurrent loans | 56.4743% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.6719% | 2,142 |
| Noncurrent loans to loans | 2.7761% | 2,364 |
| Net loans and leases to total assets | 73.2886% | 2,942 |
| Net loans and leases to deposits | 94.7429% | 2,146 |
| Net loans and leases to core deposits | 112.8293% | 3,129 |
| Total domestic deposits to total assets | 77.3553% | 6,197 |
| Equity capital to assets | 10.9238% | 3,038 |
| Core capital (leverage) ratio | 8.4867% | 5,568 |
| Tier 1 risk-based capital ratio | 10.9090% | 5,979 |
| Total risk-based capital ratio | 12.1627% | 5,890 |
| Memoranda: | ||
| Average total assets | $266,253,500 | 2,493 |
| Average earning assets | $232,849,000 | 2,612 |
| Average equity | $28,864,500 | 2,356 |
| Average total loans | $198,722,500 | 2,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7971% | 6,445 |
| Cost of funding earning assets | 2.5469% | 3,971 |
| Net interest margin | 3.2502% | 6,212 |
| Noninterest income to average assets | 0.7176% | 3,006 |
| Noninterest expense to average assets | 2.8993% | 4,452 |
| Loan and lease loss provision to assets | 0.1884% | 5,006 |
| Net operating income to assets | 0.3903% | 5,188 |
| Return on assets (ROA) | 0.1296% | 5,869 |
| Pretax return on assets | 0.2481% | 5,632 |
| Return on Equity (ROE) | 0.9419% | 5,935 |
| Retained earnings to average equity (ytd only) | -41.9434% | 8,067 |
| Net charge-offs to loans | 0.0952% | 5,373 |
| Credit loss provision to net charge-offs | 269.3333% | 1,712 |
| Earnings coverage of net charge-offs (x) | 9.9667% | 2,601 |
| Efficiency ratio | 78.2316% | 2,880 |
| Assets per employee ($millions) | 3.6129% | 4,386 |
| Cash dividends to net income (ytd only)* | 4,552.8777% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,295 |
| Loan loss allowance to noncurrent loans | 56.1147% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0434% | 2,408 |
| Noncurrent loans to loans | 1.9604% | 2,812 |
| Net loans and leases to total assets | 73.9880% | 3,104 |
| Net loans and leases to deposits | 94.6974% | 2,660 |
| Net loans and leases to core deposits | 112.5575% | 3,504 |
| Total domestic deposits to total assets | 78.1309% | 5,671 |
| Equity capital to assets | 10.7611% | 3,239 |
| Core capital (leverage) ratio | 10.6463% | 2,864 |
| Tier 1 risk-based capital ratio | 11.0737% | 5,666 |
| Total risk-based capital ratio | 12.1705% | 5,712 |
| Memoranda: | ||
| Average total assets | $214,462,400 | 2,945 |
| Average earning assets | $189,956,200 | 3,041 |
| Average equity | $29,513,600 | 2,291 |
| Average total loans | $157,563,800 | 2,809 |