Home > Lewis & Clark Bank > Performance and Condition Ratios
Lewis & Clark 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 | 4.6146% | 2,865 |
| Cost of funding earning assets | 2.0654% | 819 |
| Net interest margin | 2.5492% | 4,037 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.5325% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1852% | 4,185 |
| Return on assets (ROA) | -0.4903% | 4,490 |
| Pretax return on assets | -0.6967% | 4,500 |
| Return on Equity (ROE) | -5.0200% | 4,470 |
| Retained earnings to average equity (ytd only) | -10.3814% | 4,469 |
| Net charge-offs to loans | 0.0104% | 2,259 |
| Credit loss provision to net charge-offs | -847.0588% | 4,558 |
| Earnings coverage of net charge-offs (x) | 34.6471% | 1,540 |
| Efficiency ratio | 93.4372% | 317 |
| Assets per employee ($millions) | 8.6834% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,458 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,778 |
| Noncurrent loans to loans | 0.0121% | 3,667 |
| Net loans and leases to total assets | 39.5900% | 4,053 |
| Net loans and leases to deposits | 57.3463% | 3,657 |
| Net loans and leases to core deposits | 58.1671% | 3,832 |
| Total domestic deposits to total assets | 69.0400% | 4,321 |
| Equity capital to assets | 9.3429% | 2,463 |
| Core capital (leverage) ratio | 10.9566% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9765% | 541 |
| Memoranda: | ||
| Average total assets | $372,047,800 | 2,109 |
| Average earning assets | $343,281,400 | 2,118 |
| Average equity | $36,353,400 | 2,006 |
| Average total loans | $163,866,600 | 2,566 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 3,033 |
| Cost of funding earning assets | 1.9589% | 764 |
| Net interest margin | 2.4762% | 4,168 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5158% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1379% | 4,287 |
| Return on assets (ROA) | -0.7741% | 4,548 |
| Pretax return on assets | -1.0844% | 4,558 |
| Return on Equity (ROE) | -7.8300% | 4,528 |
| Retained earnings to average equity (ytd only) | -13.3386% | 4,523 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.3789% | 227 |
| Assets per employee ($millions) | 8.3805% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,196 |
| Loan loss allowance to noncurrent loans | 15,520.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,836 |
| Noncurrent loans to loans | 0.0095% | 3,729 |
| Net loans and leases to total assets | 41.3900% | 4,009 |
| Net loans and leases to deposits | 60.2790% | 3,493 |
| Net loans and leases to core deposits | 61.6535% | 3,628 |
| Total domestic deposits to total assets | 68.6700% | 4,357 |
| Equity capital to assets | 9.2938% | 2,229 |
| Core capital (leverage) ratio | 11.0471% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2760% | 606 |
| Memoranda: | ||
| Average total assets | $367,371,000 | 2,129 |
| Average earning assets | $338,412,750 | 2,139 |
| Average equity | $36,314,750 | 1,991 |
| Average total loans | $165,614,250 | 2,563 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,692 |
| Cost of funding earning assets | 1.8077% | 730 |
| Net interest margin | 2.1914% | 4,431 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.4766% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0005% | 4,417 |
| Return on assets (ROA) | -1.3798% | 4,612 |
| Pretax return on assets | -1.9153% | 4,618 |
| Return on Equity (ROE) | -13.6800% | 4,594 |
| Retained earnings to average equity (ytd only) | -19.3921% | 4,576 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 106.0195% | 117 |
| Assets per employee ($millions) | 7.9251% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,392 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.7400% | 3,891 |
| Net loans and leases to deposits | 64.7240% | 3,144 |
| Net loans and leases to core deposits | 66.5023% | 3,327 |
| Total domestic deposits to total assets | 67.5800% | 4,418 |
| Equity capital to assets | 9.8937% | 1,920 |
| Core capital (leverage) ratio | 11.4340% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1313% | 625 |
| Memoranda: | ||
| Average total assets | $364,121,000 | 2,151 |
| Average earning assets | $335,126,000 | 2,161 |
| Average equity | $36,736,667 | 1,989 |
| Average total loans | $168,012,000 | 2,537 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 3,948 |
| Cost of funding earning assets | 1.4825% | 873 |
| Net interest margin | 2.2669% | 4,468 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.4567% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0484% | 4,514 |
| Return on assets (ROA) | -0.0484% | 4,498 |
| Pretax return on assets | -0.0813% | 4,497 |
| Return on Equity (ROE) | -0.4700% | 4,469 |
| Retained earnings to average equity (ytd only) | -6.9488% | 4,396 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 101.9898% | 152 |
| Assets per employee ($millions) | 8.9005% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 1,762 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.1000% | 3,772 |
| Net loans and leases to deposits | 60.9267% | 3,281 |
| Net loans and leases to core deposits | 62.1798% | 3,439 |
| Total domestic deposits to total assets | 75.6700% | 4,179 |
| Equity capital to assets | 10.1869% | 1,728 |
| Core capital (leverage) ratio | 12.4562% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3481% | 551 |
| Memoranda: | ||
| Average total assets | $363,903,500 | 2,182 |
| Average earning assets | $334,560,500 | 2,190 |
| Average equity | $37,071,000 | 2,003 |
| Average total loans | $171,128,000 | 2,534 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3594% | 3,453 |
| Cost of funding earning assets | 0.2669% | 3,187 |
| Net interest margin | 3.0926% | 3,195 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2767% | 2,814 |
| Loan and lease loss provision to assets | -0.1800% | 4,615 |
| Net operating income to assets | 0.7610% | 3,453 |
| Return on assets (ROA) | 0.7610% | 3,392 |
| Pretax return on assets | 1.0209% | 3,017 |
| Return on Equity (ROE) | 7.8700% | 3,416 |
| Retained earnings to average equity (ytd only) | 4.1135% | 3,362 |
| Net charge-offs to loans | -0.0017% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3562% | 1,519 |
| Assets per employee ($millions) | 8.6432% | 1,040 |
| Cash dividends to net income (ytd only)* | 47.7131% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,661 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.6500% | 3,761 |
| Net loans and leases to deposits | 55.8080% | 3,588 |
| Net loans and leases to core deposits | 56.9942% | 3,676 |
| Total domestic deposits to total assets | 83.6000% | 3,293 |
| Equity capital to assets | 10.1594% | 1,633 |
| Core capital (leverage) ratio | 12.4708% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4842% | 516 |
| Memoranda: | ||
| Average total assets | $399,342,400 | 2,033 |
| Average earning assets | $370,210,200 | 2,027 |
| Average equity | $38,628,600 | 1,970 |
| Average total loans | $179,956,600 | 2,374 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 3,294 |
| Cost of funding earning assets | 0.1402% | 3,937 |
| Net interest margin | 3.1174% | 2,877 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1627% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7267% | 3,491 |
| Return on assets (ROA) | 0.7267% | 3,439 |
| Pretax return on assets | 0.9751% | 3,091 |
| Return on Equity (ROE) | 7.6000% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.8430% | 3,498 |
| Net charge-offs to loans | -0.0022% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.0932% | 2,147 |
| Assets per employee ($millions) | 9.3272% | 798 |
| Cash dividends to net income (ytd only)* | 49.4160% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 776 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.5900% | 3,786 |
| Net loans and leases to deposits | 54.0311% | 3,601 |
| Net loans and leases to core deposits | 55.2724% | 3,671 |
| Total domestic deposits to total assets | 84.3800% | 3,408 |
| Equity capital to assets | 9.6278% | 1,809 |
| Core capital (leverage) ratio | 11.8243% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2847% | 541 |
| Memoranda: | ||
| Average total assets | $408,424,500 | 2,012 |
| Average earning assets | $379,321,000 | 2,008 |
| Average equity | $39,065,750 | 1,976 |
| Average total loans | $182,023,750 | 2,361 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 3,049 |
| Cost of funding earning assets | 0.1262% | 3,891 |
| Net interest margin | 3.0736% | 2,636 |
| Noninterest income to average assets | 0.2589% | 3,621 |
| Noninterest expense to average assets | 2.1056% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7558% | 3,124 |
| Return on assets (ROA) | 0.7558% | 3,077 |
| Pretax return on assets | 1.0157% | 2,667 |
| Return on Equity (ROE) | 7.9174% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.1781% | 3,020 |
| Net charge-offs to loans | -0.0032% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5230% | 2,573 |
| Assets per employee ($millions) | 9.9891% | 662 |
| Cash dividends to net income (ytd only)* | 47.2292% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.1386% | 3,963 |
| Net loans and leases to deposits | 46.6403% | 3,998 |
| Net loans and leases to core deposits | 47.8174% | 4,033 |
| Total domestic deposits to total assets | 90.3482% | 1,551 |
| Equity capital to assets | 9.2844% | 2,175 |
| Core capital (leverage) ratio | 11.1237% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8064% | 554 |
| Memoranda: | ||
| Average total assets | $420,203,667 | 1,978 |
| Average earning assets | $391,329,667 | 1,978 |
| Average equity | $40,114,333 | 1,985 |
| Average total loans | $184,982,000 | 2,349 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 3,526 |
| Cost of funding earning assets | 0.1309% | 3,760 |
| Net interest margin | 2.7722% | 3,219 |
| Noninterest income to average assets | 0.3252% | 3,158 |
| Noninterest expense to average assets | 2.0254% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6699% | 3,161 |
| Return on assets (ROA) | 0.6699% | 3,144 |
| Pretax return on assets | 0.8975% | 2,783 |
| Return on Equity (ROE) | 6.9289% | 3,057 |
| Retained earnings to average equity (ytd only) | -0.2787% | 4,052 |
| Net charge-offs to loans | -0.0063% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1329% | 2,614 |
| Assets per employee ($millions) | 9.9191% | 697 |
| Cash dividends to net income (ytd only)* | 104.0222% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,245 |
| Loan loss allowance to noncurrent loans | 93.4577% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 703 |
| Noncurrent loans to loans | 1.7228% | 452 |
| Net loans and leases to total assets | 44.8403% | 3,672 |
| Net loans and leases to deposits | 49.6861% | 3,757 |
| Net loans and leases to core deposits | 50.7529% | 3,829 |
| Total domestic deposits to total assets | 90.2470% | 1,415 |
| Equity capital to assets | 9.3896% | 2,372 |
| Core capital (leverage) ratio | 10.0681% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8833% | 655 |
| Memoranda: | ||
| Average total assets | $430,524,500 | 1,948 |
| Average earning assets | $403,432,500 | 1,939 |
| Average equity | $41,623,000 | 1,986 |
| Average total loans | $191,759,500 | 2,288 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 2,039 |
| Cost of funding earning assets | 0.2218% | 3,232 |
| Net interest margin | 3.5046% | 1,719 |
| Noninterest income to average assets | 0.2127% | 4,097 |
| Noninterest expense to average assets | 1.9389% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1575% | 2,071 |
| Return on assets (ROA) | 1.1876% | 2,032 |
| Pretax return on assets | 1.6003% | 1,417 |
| Return on Equity (ROE) | 11.3975% | 2,021 |
| Retained earnings to average equity (ytd only) | 6.2084% | 2,267 |
| Net charge-offs to loans | -0.0047% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8762% | 4,051 |
| Assets per employee ($millions) | 11.1112% | 489 |
| Cash dividends to net income (ytd only)* | 45.5281% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,311 |
| Loan loss allowance to noncurrent loans | 91.9326% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 823 |
| Noncurrent loans to loans | 1.7154% | 499 |
| Net loans and leases to total assets | 42.8853% | 3,920 |
| Net loans and leases to deposits | 47.8290% | 4,008 |
| Net loans and leases to core deposits | 48.9211% | 4,060 |
| Total domestic deposits to total assets | 89.6638% | 1,132 |
| Equity capital to assets | 9.9289% | 2,728 |
| Core capital (leverage) ratio | 10.7944% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0705% | 645 |
| Memoranda: | ||
| Average total assets | $416,119,000 | 1,941 |
| Average earning assets | $390,431,400 | 1,937 |
| Average equity | $43,360,400 | 1,966 |
| Average total loans | $233,262,000 | 2,029 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 1,595 |
| Cost of funding earning assets | 0.2554% | 3,068 |
| Net interest margin | 3.7203% | 1,295 |
| Noninterest income to average assets | 0.2243% | 4,060 |
| Noninterest expense to average assets | 1.9434% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3114% | 1,787 |
| Return on assets (ROA) | 1.3201% | 1,813 |
| Pretax return on assets | 1.7768% | 1,217 |
| Return on Equity (ROE) | 12.5089% | 1,862 |
| Retained earnings to average equity (ytd only) | 5.5595% | 3,018 |
| Net charge-offs to loans | -0.0060% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8726% | 4,233 |
| Assets per employee ($millions) | 10.6799% | 528 |
| Cash dividends to net income (ytd only)* | 55.5556% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,539 |
| Loan loss allowance to noncurrent loans | 89.9823% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 897 |
| Noncurrent loans to loans | 1.6936% | 595 |
| Net loans and leases to total assets | 46.1970% | 3,776 |
| Net loans and leases to deposits | 51.6957% | 3,904 |
| Net loans and leases to core deposits | 52.9278% | 3,986 |
| Total domestic deposits to total assets | 89.3634% | 1,090 |
| Equity capital to assets | 10.2956% | 2,616 |
| Core capital (leverage) ratio | 9.7022% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5093% | 747 |
| Memoranda: | ||
| Average total assets | $409,036,750 | 1,977 |
| Average earning assets | $383,152,000 | 1,975 |
| Average equity | $43,168,250 | 2,000 |
| Average total loans | $243,163,250 | 1,999 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 2,053 |
| Cost of funding earning assets | 0.2724% | 3,065 |
| Net interest margin | 3.5338% | 1,759 |
| Noninterest income to average assets | 0.2328% | 4,008 |
| Noninterest expense to average assets | 1.9256% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2105% | 2,151 |
| Return on assets (ROA) | 1.2239% | 2,170 |
| Pretax return on assets | 1.6393% | 1,638 |
| Return on Equity (ROE) | 11.4973% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.0006% | 2,070 |
| Net charge-offs to loans | -0.0085% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4617% | 4,101 |
| Assets per employee ($millions) | 11.2270% | 435 |
| Cash dividends to net income (ytd only)* | 30.4136% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,492 |
| Loan loss allowance to noncurrent loans | 75.5941% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 833 |
| Noncurrent loans to loans | 1.7049% | 622 |
| Net loans and leases to total assets | 53.4224% | 3,206 |
| Net loans and leases to deposits | 59.6229% | 3,424 |
| Net loans and leases to core deposits | 60.8159% | 3,560 |
| Total domestic deposits to total assets | 89.6004% | 978 |
| Equity capital to assets | 10.0294% | 2,824 |
| Core capital (leverage) ratio | 9.9689% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2087% | 677 |
| Memoranda: | ||
| Average total assets | $402,984,333 | 1,993 |
| Average earning assets | $378,063,000 | 1,982 |
| Average equity | $42,897,000 | 2,003 |
| Average total loans | $257,416,000 | 1,926 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 1,881 |
| Cost of funding earning assets | 0.2749% | 3,225 |
| Net interest margin | 3.6035% | 1,574 |
| Noninterest income to average assets | 0.1639% | 4,378 |
| Noninterest expense to average assets | 1.9577% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1734% | 2,255 |
| Return on assets (ROA) | 1.1734% | 2,325 |
| Pretax return on assets | 1.5925% | 1,748 |
| Return on Equity (ROE) | 10.6727% | 2,470 |
| Retained earnings to average equity (ytd only) | 3.5953% | 3,609 |
| Net charge-offs to loans | -0.0164% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0748% | 3,985 |
| Assets per employee ($millions) | 10.6221% | 496 |
| Cash dividends to net income (ytd only)* | 66.3130% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,468 |
| Loan loss allowance to noncurrent loans | 75.5941% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 884 |
| Noncurrent loans to loans | 1.4478% | 870 |
| Net loans and leases to total assets | 64.9580% | 1,926 |
| Net loans and leases to deposits | 72.4934% | 2,267 |
| Net loans and leases to core deposits | 74.0418% | 2,509 |
| Total domestic deposits to total assets | 89.6054% | 1,016 |
| Equity capital to assets | 10.0213% | 2,688 |
| Core capital (leverage) ratio | 10.8298% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4872% | 732 |
| Memoranda: | ||
| Average total assets | $385,549,500 | 2,044 |
| Average earning assets | $362,313,000 | 2,036 |
| Average equity | $42,388,500 | 2,010 |
| Average total loans | $267,641,000 | 1,889 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 1,451 |
| Cost of funding earning assets | 0.4899% | 3,013 |
| Net interest margin | 3.9553% | 1,074 |
| Noninterest income to average assets | 0.2016% | 4,266 |
| Noninterest expense to average assets | 2.7146% | 2,198 |
| Loan and lease loss provision to assets | 0.3424% | 1,026 |
| Net operating income to assets | 0.6145% | 3,695 |
| Return on assets (ROA) | 0.6929% | 3,589 |
| Pretax return on assets | 0.9179% | 3,318 |
| Return on Equity (ROE) | 5.5766% | 3,722 |
| Retained earnings to average equity (ytd only) | 4.5214% | 2,521 |
| Net charge-offs to loans | 0.0224% | 2,603 |
| Credit loss provision to net charge-offs | 2,028.8462% | 440 |
| Earnings coverage of net charge-offs (x) | 68.7885% | 989 |
| Efficiency ratio | 65.7483% | 2,569 |
| Assets per employee ($millions) | 8.8813% | 769 |
| Cash dividends to net income (ytd only)* | 18.9227% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,890.0621% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,113 |
| Noncurrent loans to loans | 0.0628% | 4,040 |
| Net loans and leases to total assets | 73.0976% | 1,147 |
| Net loans and leases to deposits | 85.3603% | 1,306 |
| Net loans and leases to core deposits | 88.1136% | 1,683 |
| Total domestic deposits to total assets | 85.6342% | 2,519 |
| Equity capital to assets | 12.2245% | 1,463 |
| Core capital (leverage) ratio | 12.7292% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4950% | 717 |
| Memoranda: | ||
| Average total assets | $308,108,600 | 2,254 |
| Average earning assets | $286,197,800 | 2,254 |
| Average equity | $38,285,000 | 2,084 |
| Average total loans | $232,262,800 | 2,019 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,365 |
| Cost of funding earning assets | 0.5489% | 2,938 |
| Net interest margin | 4.0319% | 1,046 |
| Noninterest income to average assets | 0.1920% | 4,324 |
| Noninterest expense to average assets | 2.8596% | 1,801 |
| Loan and lease loss provision to assets | 0.4713% | 657 |
| Net operating income to assets | 0.4423% | 4,183 |
| Return on assets (ROA) | 0.5502% | 3,998 |
| Pretax return on assets | 0.7347% | 3,812 |
| Return on Equity (ROE) | 4.4073% | 4,059 |
| Retained earnings to average equity (ytd only) | 2.9620% | 3,539 |
| Net charge-offs to loans | 0.0306% | 2,221 |
| Credit loss provision to net charge-offs | 2,028.8462% | 468 |
| Earnings coverage of net charge-offs (x) | 46.0385% | 1,254 |
| Efficiency ratio | 68.2505% | 2,151 |
| Assets per employee ($millions) | 8.8474% | 734 |
| Cash dividends to net income (ytd only)* | 32.7922% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,823 |
| Loan loss allowance to noncurrent loans | 1,890.0621% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,194 |
| Noncurrent loans to loans | 0.0621% | 4,121 |
| Net loans and leases to total assets | 78.3317% | 794 |
| Net loans and leases to deposits | 92.0758% | 1,063 |
| Net loans and leases to core deposits | 95.3355% | 1,518 |
| Total domestic deposits to total assets | 85.0730% | 2,408 |
| Equity capital to assets | 12.6554% | 1,349 |
| Core capital (leverage) ratio | 12.9284% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3970% | 739 |
| Memoranda: | ||
| Average total assets | $298,543,000 | 2,286 |
| Average earning assets | $276,684,500 | 2,290 |
| Average equity | $37,270,750 | 2,107 |
| Average total loans | $226,270,500 | 2,055 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 1,220 |
| Cost of funding earning assets | 0.6360% | 2,777 |
| Net interest margin | 4.1432% | 1,033 |
| Noninterest income to average assets | 0.1814% | 4,374 |
| Noninterest expense to average assets | 3.1038% | 1,347 |
| Loan and lease loss provision to assets | 0.4340% | 893 |
| Net operating income to assets | 0.3470% | 4,339 |
| Return on assets (ROA) | 0.5143% | 4,054 |
| Pretax return on assets | 0.6839% | 3,903 |
| Return on Equity (ROE) | 4.1410% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.1991% | 3,306 |
| Net charge-offs to loans | 0.0037% | 2,847 |
| Credit loss provision to net charge-offs | 15,675.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 327.2500% | 305 |
| Efficiency ratio | 72.6567% | 1,605 |
| Assets per employee ($millions) | 8.2030% | 901 |
| Cash dividends to net income (ytd only)* | 22.7456% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,315 |
| Loan loss allowance to noncurrent loans | 1,091.3934% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,121 |
| Noncurrent loans to loans | 0.0963% | 4,068 |
| Net loans and leases to total assets | 82.5769% | 359 |
| Net loans and leases to deposits | 94.1330% | 953 |
| Net loans and leases to core deposits | 97.7420% | 1,431 |
| Total domestic deposits to total assets | 87.7237% | 1,321 |
| Equity capital to assets | 11.9165% | 1,716 |
| Core capital (leverage) ratio | 11.2620% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2510% | 1,010 |
| Memoranda: | ||
| Average total assets | $288,939,333 | 2,318 |
| Average earning assets | $266,994,333 | 2,322 |
| Average equity | $35,885,000 | 2,167 |
| Average total loans | $215,205,667 | 2,125 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 1,433 |
| Cost of funding earning assets | 0.8050% | 2,361 |
| Net interest margin | 3.9896% | 1,419 |
| Noninterest income to average assets | 0.1605% | 4,570 |
| Noninterest expense to average assets | 3.3190% | 1,186 |
| Loan and lease loss provision to assets | 0.2840% | 1,097 |
| Net operating income to assets | 0.1789% | 4,556 |
| Return on assets (ROA) | 0.1789% | 4,566 |
| Pretax return on assets | 0.2244% | 4,543 |
| Return on Equity (ROE) | 1.4100% | 4,566 |
| Retained earnings to average equity (ytd only) | 0.4700% | 3,886 |
| Net charge-offs to loans | 0.0102% | 2,209 |
| Credit loss provision to net charge-offs | 4,000.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 71.6000% | 717 |
| Efficiency ratio | 81.4471% | 1,010 |
| Assets per employee ($millions) | 7.6040% | 860 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 2,861 |
| Loan loss allowance to noncurrent loans | 338.1241% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,521 |
| Noncurrent loans to loans | 0.3442% | 3,259 |
| Net loans and leases to total assets | 67.4627% | 2,622 |
| Net loans and leases to deposits | 77.6026% | 2,929 |
| Net loans and leases to core deposits | 81.4841% | 3,064 |
| Total domestic deposits to total assets | 86.9336% | 1,587 |
| Equity capital to assets | 12.7166% | 1,611 |
| Core capital (leverage) ratio | 12.1233% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0135% | 1,343 |
| Memoranda: | ||
| Average total assets | $281,653,500 | 2,309 |
| Average earning assets | $258,874,500 | 2,326 |
| Average equity | $35,743,500 | 2,156 |
| Average total loans | $196,162,000 | 2,215 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5954% | 478 |
| Cost of funding earning assets | 0.9472% | 1,973 |
| Net interest margin | 4.6482% | 525 |
| Noninterest income to average assets | 0.1916% | 4,519 |
| Noninterest expense to average assets | 3.1258% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9718% | 2,944 |
| Return on assets (ROA) | 0.9718% | 3,028 |
| Pretax return on assets | 1.3547% | 2,313 |
| Return on Equity (ROE) | 7.7676% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.8102% | 1,478 |
| Net charge-offs to loans | -0.0005% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3717% | 2,712 |
| Assets per employee ($millions) | 7.4259% | 887 |
| Cash dividends to net income (ytd only)* | 12.3247% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,393 |
| Loan loss allowance to noncurrent loans | 301.3294% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,481 |
| Noncurrent loans to loans | 0.3381% | 3,233 |
| Net loans and leases to total assets | 70.2434% | 2,358 |
| Net loans and leases to deposits | 80.8193% | 2,680 |
| Net loans and leases to core deposits | 84.7587% | 2,895 |
| Total domestic deposits to total assets | 86.9142% | 1,652 |
| Equity capital to assets | 12.6779% | 1,719 |
| Core capital (leverage) ratio | 11.8962% | 1,844 |
| Tier 1 risk-based capital ratio | 14.9760% | 2,790 |
| Total risk-based capital ratio | 15.9143% | 2,839 |
| Memoranda: | ||
| Average total assets | $242,116,400 | 2,513 |
| Average earning assets | $223,399,400 | 2,510 |
| Average equity | $30,292,600 | 2,375 |
| Average total loans | $189,619,200 | 2,238 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 461 |
| Cost of funding earning assets | 0.9824% | 1,840 |
| Net interest margin | 4.6561% | 543 |
| Noninterest income to average assets | 0.1878% | 4,595 |
| Noninterest expense to average assets | 3.1342% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0001% | 2,982 |
| Return on assets (ROA) | 1.0001% | 3,058 |
| Pretax return on assets | 1.3609% | 2,458 |
| Return on Equity (ROE) | 8.0260% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.0809% | 1,826 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7252% | 2,158 |
| Assets per employee ($millions) | 7.2252% | 943 |
| Cash dividends to net income (ytd only)* | 11.7750% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,597 |
| Loan loss allowance to noncurrent loans | 894.2982% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,290 |
| Noncurrent loans to loans | 0.1112% | 4,147 |
| Net loans and leases to total assets | 75.9230% | 1,499 |
| Net loans and leases to deposits | 87.9754% | 1,937 |
| Net loans and leases to core deposits | 92.5328% | 2,316 |
| Total domestic deposits to total assets | 86.3003% | 1,865 |
| Equity capital to assets | 13.1831% | 1,524 |
| Core capital (leverage) ratio | 12.2690% | 1,696 |
| Tier 1 risk-based capital ratio | 14.3305% | 3,162 |
| Total risk-based capital ratio | 15.2470% | 3,251 |
| Memoranda: | ||
| Average total assets | $232,099,750 | 2,588 |
| Average earning assets | $214,710,250 | 2,591 |
| Average equity | $28,922,000 | 2,467 |
| Average total loans | $186,960,250 | 2,285 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8199% | 81 |
| Cost of funding earning assets | 1.1179% | 1,228 |
| Net interest margin | 5.7020% | 90 |
| Noninterest income to average assets | 0.2666% | 4,156 |
| Noninterest expense to average assets | 4.5163% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7371% | 3,874 |
| Return on assets (ROA) | 0.7711% | 3,816 |
| Pretax return on assets | 1.0949% | 3,247 |
| Return on Equity (ROE) | 6.3998% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.5089% | 2,516 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1084% | 878 |
| Assets per employee ($millions) | 8.4184% | 575 |
| Cash dividends to net income (ytd only)* | 13.9211% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.1697% | 1,360 |
| Net loans and leases to deposits | 88.7387% | 1,900 |
| Net loans and leases to core deposits | 93.0211% | 2,323 |
| Total domestic deposits to total assets | 86.9628% | 1,610 |
| Equity capital to assets | 12.6290% | 1,784 |
| Core capital (leverage) ratio | 11.2404% | 2,384 |
| Tier 1 risk-based capital ratio | 14.0279% | 3,303 |
| Total risk-based capital ratio | 14.9220% | 3,393 |
| Memoranda: | ||
| Average total assets | $223,590,000 | 2,660 |
| Average earning assets | $207,890,330 | 2,661 |
| Average equity | $26,938,330 | 2,571 |
| Average total loans | $180,944,670 | 2,334 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6548% | 390 |
| Cost of funding earning assets | 1.2097% | 881 |
| Net interest margin | 4.4450% | 820 |
| Noninterest income to average assets | 0.2056% | 4,515 |
| Noninterest expense to average assets | 2.8074% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1604% | 2,215 |
| Return on assets (ROA) | 1.1604% | 2,268 |
| Pretax return on assets | 1.5798% | 1,522 |
| Return on Equity (ROE) | 9.9714% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.9217% | 1,346 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9907% | 3,245 |
| Assets per employee ($millions) | 8.4116% | 579 |
| Cash dividends to net income (ytd only)* | 10.5263% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,347 |
| Loan loss allowance to noncurrent loans | 142.7871% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 1,895 |
| Noncurrent loans to loans | 0.8726% | 1,900 |
| Net loans and leases to total assets | 83.5387% | 414 |
| Net loans and leases to deposits | 100.7512% | 576 |
| Net loans and leases to core deposits | 109.7314% | 945 |
| Total domestic deposits to total assets | 82.9159% | 3,413 |
| Equity capital to assets | 11.9530% | 2,047 |
| Core capital (leverage) ratio | 11.6114% | 2,041 |
| Tier 1 risk-based capital ratio | 13.2044% | 3,772 |
| Total risk-based capital ratio | 14.3899% | 3,715 |
| Memoranda: | ||
| Average total assets | $196,482,000 | 2,937 |
| Average earning assets | $184,835,000 | 2,903 |
| Average equity | $22,865,500 | 2,893 |
| Average total loans | $163,206,500 | 2,530 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 548 |
| Cost of funding earning assets | 0.9428% | 956 |
| Net interest margin | 4.3898% | 960 |
| Noninterest income to average assets | 0.2802% | 4,227 |
| Noninterest expense to average assets | 2.8837% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1152% | 2,534 |
| Return on assets (ROA) | 1.1152% | 2,533 |
| Pretax return on assets | 1.5041% | 1,773 |
| Return on Equity (ROE) | 9.8328% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7222% | 967 |
| Net charge-offs to loans | -0.0758% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7218% | 2,907 |
| Assets per employee ($millions) | 8.3124% | 596 |
| Cash dividends to net income (ytd only)* | 11.2941% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,283 |
| Loan loss allowance to noncurrent loans | 142.7871% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 1,937 |
| Noncurrent loans to loans | 0.8774% | 1,835 |
| Net loans and leases to total assets | 80.5602% | 856 |
| Net loans and leases to deposits | 95.2216% | 1,151 |
| Net loans and leases to core deposits | 106.5685% | 1,224 |
| Total domestic deposits to total assets | 84.6029% | 2,796 |
| Equity capital to assets | 11.3314% | 2,388 |
| Core capital (leverage) ratio | 11.5636% | 2,052 |
| Tier 1 risk-based capital ratio | 13.2219% | 3,708 |
| Total risk-based capital ratio | 14.4362% | 3,620 |
| Memoranda: | ||
| Average total assets | $190,550,600 | 2,958 |
| Average earning assets | $178,298,600 | 2,940 |
| Average equity | $21,611,400 | 2,927 |
| Average total loans | $154,428,600 | 2,592 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3332% | 497 |
| Cost of funding earning assets | 0.8748% | 1,016 |
| Net interest margin | 4.4583% | 806 |
| Noninterest income to average assets | 0.2783% | 4,289 |
| Noninterest expense to average assets | 2.9475% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1173% | 2,589 |
| Return on assets (ROA) | 1.1173% | 2,607 |
| Pretax return on assets | 1.4946% | 1,914 |
| Return on Equity (ROE) | 9.8487% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.7252% | 1,330 |
| Net charge-offs to loans | -0.0595% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3532% | 2,804 |
| Assets per employee ($millions) | 8.5552% | 521 |
| Cash dividends to net income (ytd only)* | 11.4066% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 2,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.9902% | 1,171 |
| Net loans and leases to deposits | 99.2776% | 843 |
| Net loans and leases to core deposits | 115.2555% | 750 |
| Total domestic deposits to total assets | 79.5650% | 4,206 |
| Equity capital to assets | 11.2360% | 2,442 |
| Core capital (leverage) ratio | 11.5683% | 2,119 |
| Tier 1 risk-based capital ratio | 13.2797% | 3,737 |
| Total risk-based capital ratio | 14.4973% | 3,675 |
| Memoranda: | ||
| Average total assets | $188,313,750 | 3,000 |
| Average earning assets | $175,876,500 | 2,990 |
| Average equity | $21,362,750 | 2,966 |
| Average total loans | $152,347,000 | 2,631 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 484 |
| Cost of funding earning assets | 0.8137% | 1,069 |
| Net interest margin | 4.4712% | 732 |
| Noninterest income to average assets | 0.3084% | 4,107 |
| Noninterest expense to average assets | 2.9866% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1073% | 2,553 |
| Return on assets (ROA) | 1.1073% | 2,561 |
| Pretax return on assets | 1.5106% | 1,777 |
| Return on Equity (ROE) | 9.7281% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.5915% | 1,359 |
| Net charge-offs to loans | -0.0876% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4109% | 2,904 |
| Assets per employee ($millions) | 8.1620% | 592 |
| Cash dividends to net income (ytd only)* | 11.6845% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.7428% | 1,057 |
| Net loans and leases to deposits | 94.5989% | 1,291 |
| Net loans and leases to core deposits | 122.2314% | 511 |
| Total domestic deposits to total assets | 84.2957% | 2,959 |
| Equity capital to assets | 11.5099% | 2,193 |
| Core capital (leverage) ratio | 11.8268% | 1,822 |
| Tier 1 risk-based capital ratio | 13.3361% | 3,713 |
| Total risk-based capital ratio | 14.5854% | 3,634 |
| Memoranda: | ||
| Average total assets | $185,495,000 | 3,043 |
| Average earning assets | $173,777,000 | 3,022 |
| Average equity | $21,114,000 | 3,005 |
| Average total loans | $150,656,330 | 2,657 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 714 |
| Cost of funding earning assets | 0.7291% | 1,295 |
| Net interest margin | 4.2586% | 1,024 |
| Noninterest income to average assets | 0.2256% | 4,669 |
| Noninterest expense to average assets | 2.9613% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9177% | 3,215 |
| Return on assets (ROA) | 0.9177% | 3,227 |
| Pretax return on assets | 1.2561% | 2,531 |
| Return on Equity (ROE) | 8.1083% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.9582% | 2,297 |
| Net charge-offs to loans | -0.0027% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2160% | 2,452 |
| Assets per employee ($millions) | 7.7414% | 698 |
| Cash dividends to net income (ytd only)* | 14.1844% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.4471% | 608 |
| Net loans and leases to deposits | 103.0932% | 528 |
| Net loans and leases to core deposits | 125.6746% | 431 |
| Total domestic deposits to total assets | 79.9734% | 4,421 |
| Equity capital to assets | 11.3320% | 2,272 |
| Core capital (leverage) ratio | 12.0001% | 1,652 |
| Tier 1 risk-based capital ratio | 12.4603% | 4,272 |
| Total risk-based capital ratio | 13.6204% | 4,217 |
| Memoranda: | ||
| Average total assets | $184,379,500 | 3,088 |
| Average earning assets | $172,827,000 | 3,061 |
| Average equity | $20,867,500 | 3,062 |
| Average total loans | $150,142,000 | 2,686 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 560 |
| Cost of funding earning assets | 0.7120% | 964 |
| Net interest margin | 4.3635% | 832 |
| Noninterest income to average assets | 0.4782% | 3,138 |
| Noninterest expense to average assets | 3.1257% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8181% | 3,082 |
| Return on assets (ROA) | 0.8181% | 3,125 |
| Pretax return on assets | 1.4296% | 1,885 |
| Return on Equity (ROE) | 7.2698% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.0756% | 1,498 |
| Net charge-offs to loans | -0.0104% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6171% | 2,775 |
| Assets per employee ($millions) | 7.6233% | 728 |
| Cash dividends to net income (ytd only)* | 16.4271% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,097 |
| Loan loss allowance to noncurrent loans | 6,864.2857% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 5,081 |
| Noncurrent loans to loans | 0.0193% | 4,931 |
| Net loans and leases to total assets | 78.3002% | 1,249 |
| Net loans and leases to deposits | 88.5878% | 1,947 |
| Net loans and leases to core deposits | 107.5672% | 1,170 |
| Total domestic deposits to total assets | 88.3871% | 1,306 |
| Equity capital to assets | 11.3085% | 2,357 |
| Core capital (leverage) ratio | 11.1189% | 2,230 |
| Tier 1 risk-based capital ratio | 13.0912% | 3,855 |
| Total risk-based capital ratio | 14.3307% | 3,769 |
| Memoranda: | ||
| Average total assets | $178,585,000 | 3,133 |
| Average earning assets | $166,860,600 | 3,118 |
| Average equity | $20,096,800 | 3,131 |
| Average total loans | $144,065,600 | 2,715 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 490 |
| Cost of funding earning assets | 0.7046% | 942 |
| Net interest margin | 4.4095% | 718 |
| Noninterest income to average assets | 0.4785% | 3,160 |
| Noninterest expense to average assets | 3.1242% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9112% | 2,971 |
| Return on assets (ROA) | 0.9112% | 3,030 |
| Pretax return on assets | 1.4723% | 1,873 |
| Return on Equity (ROE) | 8.1073% | 3,078 |
| Retained earnings to average equity (ytd only) | 6.8976% | 1,744 |
| Net charge-offs to loans | -0.0185% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9686% | 2,880 |
| Assets per employee ($millions) | 7.5665% | 740 |
| Cash dividends to net income (ytd only)* | 14.9219% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,201 |
| Loan loss allowance to noncurrent loans | 5,667.6471% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,158 |
| Noncurrent loans to loans | 0.0235% | 5,014 |
| Net loans and leases to total assets | 78.6362% | 1,174 |
| Net loans and leases to deposits | 93.0221% | 1,418 |
| Net loans and leases to core deposits | 124.0604% | 463 |
| Total domestic deposits to total assets | 84.5350% | 2,904 |
| Equity capital to assets | 11.2854% | 2,582 |
| Core capital (leverage) ratio | 11.3307% | 2,161 |
| Tier 1 risk-based capital ratio | 12.9069% | 4,075 |
| Total risk-based capital ratio | 14.1412% | 3,991 |
| Memoranda: | ||
| Average total assets | $177,491,250 | 3,174 |
| Average earning assets | $165,760,750 | 3,154 |
| Average equity | $19,948,500 | 3,169 |
| Average total loans | $143,787,000 | 2,740 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 522 |
| Cost of funding earning assets | 0.6849% | 964 |
| Net interest margin | 4.3626% | 750 |
| Noninterest income to average assets | 0.5542% | 2,688 |
| Noninterest expense to average assets | 3.1285% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9221% | 2,794 |
| Return on assets (ROA) | 0.9221% | 2,854 |
| Pretax return on assets | 1.4978% | 1,647 |
| Return on Equity (ROE) | 8.2159% | 2,906 |
| Retained earnings to average equity (ytd only) | 6.9916% | 1,594 |
| Net charge-offs to loans | -0.0279% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6240% | 3,075 |
| Assets per employee ($millions) | 6.8409% | 992 |
| Cash dividends to net income (ytd only)* | 14.9015% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,319 |
| Loan loss allowance to noncurrent loans | 4,941.0256% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 5,185 |
| Noncurrent loans to loans | 0.0267% | 5,056 |
| Net loans and leases to total assets | 81.1007% | 802 |
| Net loans and leases to deposits | 98.1172% | 887 |
| Net loans and leases to core deposits | 128.7397% | 331 |
| Total domestic deposits to total assets | 82.6570% | 3,667 |
| Equity capital to assets | 11.3233% | 2,476 |
| Core capital (leverage) ratio | 11.4271% | 2,026 |
| Tier 1 risk-based capital ratio | 12.5406% | 4,278 |
| Total risk-based capital ratio | 13.7636% | 4,193 |
| Memoranda: | ||
| Average total assets | $176,122,670 | 3,208 |
| Average earning assets | $164,398,000 | 3,184 |
| Average equity | $19,766,670 | 3,182 |
| Average total loans | $143,473,330 | 2,751 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 665 |
| Cost of funding earning assets | 0.6752% | 956 |
| Net interest margin | 4.1929% | 1,005 |
| Noninterest income to average assets | 0.4930% | 3,025 |
| Noninterest expense to average assets | 3.0744% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8148% | 3,154 |
| Return on assets (ROA) | 0.8148% | 3,211 |
| Pretax return on assets | 1.3307% | 2,134 |
| Return on Equity (ROE) | 7.2932% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.0674% | 2,297 |
| Net charge-offs to loans | -0.0563% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7927% | 2,926 |
| Assets per employee ($millions) | 6.8195% | 1,033 |
| Cash dividends to net income (ytd only)* | 16.8067% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.4152% | 781 |
| Net loans and leases to deposits | 97.0262% | 849 |
| Net loans and leases to core deposits | 127.2670% | 300 |
| Total domestic deposits to total assets | 82.8799% | 3,889 |
| Equity capital to assets | 11.1299% | 2,502 |
| Core capital (leverage) ratio | 11.2023% | 2,185 |
| Tier 1 risk-based capital ratio | 12.7007% | 4,260 |
| Total risk-based capital ratio | 13.9505% | 4,160 |
| Memoranda: | ||
| Average total assets | $175,252,000 | 3,249 |
| Average earning assets | $163,514,000 | 3,222 |
| Average equity | $19,580,000 | 3,221 |
| Average total loans | $142,122,000 | 2,786 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 445 |
| Cost of funding earning assets | 0.6444% | 1,085 |
| Net interest margin | 4.5134% | 603 |
| Noninterest income to average assets | 0.2497% | 4,927 |
| Noninterest expense to average assets | 2.9207% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9551% | 2,555 |
| Return on assets (ROA) | 0.9551% | 2,663 |
| Pretax return on assets | 1.5293% | 1,495 |
| Return on Equity (ROE) | 8.3727% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.1104% | 1,184 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6335% | 3,654 |
| Assets per employee ($millions) | 7.2166% | 834 |
| Cash dividends to net income (ytd only)* | 15.0763% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.5789% | 957 |
| Net loans and leases to deposits | 96.2688% | 970 |
| Net loans and leases to core deposits | 126.2297% | 343 |
| Total domestic deposits to total assets | 82.6632% | 3,872 |
| Equity capital to assets | 11.2161% | 2,403 |
| Core capital (leverage) ratio | 11.2906% | 2,089 |
| Tier 1 risk-based capital ratio | 13.0563% | 4,032 |
| Total risk-based capital ratio | 14.3068% | 3,943 |
| Memoranda: | ||
| Average total assets | $164,584,400 | 3,353 |
| Average earning assets | $153,165,800 | 3,336 |
| Average equity | $18,775,400 | 3,303 |
| Average total loans | $134,837,400 | 2,848 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 526 |
| Cost of funding earning assets | 0.6371% | 1,103 |
| Net interest margin | 4.4309% | 734 |
| Noninterest income to average assets | 0.2512% | 4,963 |
| Noninterest expense to average assets | 2.9058% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9169% | 2,822 |
| Return on assets (ROA) | 0.9169% | 2,946 |
| Pretax return on assets | 1.4668% | 1,821 |
| Return on Equity (ROE) | 8.0015% | 3,005 |
| Retained earnings to average equity (ytd only) | 6.7336% | 1,765 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4539% | 3,510 |
| Assets per employee ($millions) | 6.7858% | 970 |
| Cash dividends to net income (ytd only)* | 15.8457% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 82.7629% | 534 |
| Net loans and leases to deposits | 100.2621% | 689 |
| Net loans and leases to core deposits | 127.2940% | 347 |
| Total domestic deposits to total assets | 82.5466% | 3,761 |
| Equity capital to assets | 11.2328% | 2,757 |
| Core capital (leverage) ratio | 11.5135% | 2,022 |
| Tier 1 risk-based capital ratio | 12.3939% | 4,541 |
| Total risk-based capital ratio | 13.6443% | 4,440 |
| Memoranda: | ||
| Average total assets | $162,431,000 | 3,387 |
| Average earning assets | $151,086,750 | 3,372 |
| Average equity | $18,612,750 | 3,355 |
| Average total loans | $133,612,750 | 2,870 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 516 |
| Cost of funding earning assets | 0.6302% | 1,140 |
| Net interest margin | 4.4372% | 705 |
| Noninterest income to average assets | 0.2150% | 5,200 |
| Noninterest expense to average assets | 2.8408% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9411% | 2,670 |
| Return on assets (ROA) | 0.9411% | 2,811 |
| Pretax return on assets | 1.5010% | 1,672 |
| Return on Equity (ROE) | 8.1560% | 2,910 |
| Retained earnings to average equity (ytd only) | 6.8779% | 1,680 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4289% | 3,772 |
| Assets per employee ($millions) | 6.8595% | 923 |
| Cash dividends to net income (ytd only)* | 15.6707% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 82.5098% | 572 |
| Net loans and leases to deposits | 100.3109% | 671 |
| Net loans and leases to core deposits | 121.6756% | 470 |
| Total domestic deposits to total assets | 82.2540% | 3,920 |
| Equity capital to assets | 11.3886% | 2,656 |
| Core capital (leverage) ratio | 11.7755% | 1,797 |
| Tier 1 risk-based capital ratio | 12.7793% | 4,326 |
| Total risk-based capital ratio | 14.0304% | 4,239 |
| Memoranda: | ||
| Average total assets | $160,026,000 | 3,434 |
| Average earning assets | $148,834,000 | 3,419 |
| Average equity | $18,465,000 | 3,378 |
| Average total loans | $130,713,330 | 2,923 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 408 |
| Cost of funding earning assets | 0.6414% | 1,097 |
| Net interest margin | 4.5663% | 534 |
| Noninterest income to average assets | 0.2029% | 5,284 |
| Noninterest expense to average assets | 2.7263% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0702% | 2,015 |
| Return on assets (ROA) | 1.0702% | 2,129 |
| Pretax return on assets | 1.7195% | 1,020 |
| Return on Equity (ROE) | 9.2125% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.2125% | 1,049 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3234% | 4,552 |
| Assets per employee ($millions) | 7.1614% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 2,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 80.9305% | 696 |
| Net loans and leases to deposits | 99.2365% | 671 |
| Net loans and leases to core deposits | 114.7276% | 638 |
| Total domestic deposits to total assets | 81.5532% | 4,347 |
| Equity capital to assets | 11.7645% | 2,184 |
| Core capital (leverage) ratio | 11.8400% | 1,716 |
| Tier 1 risk-based capital ratio | 13.4283% | 4,025 |
| Total risk-based capital ratio | 14.6804% | 3,949 |
| Memoranda: | ||
| Average total assets | $157,724,500 | 3,470 |
| Average earning assets | $146,553,000 | 3,466 |
| Average equity | $18,323,000 | 3,396 |
| Average total loans | $127,199,000 | 2,983 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 345 |
| Cost of funding earning assets | 0.6135% | 1,290 |
| Net interest margin | 4.7325% | 430 |
| Noninterest income to average assets | 0.1836% | 5,496 |
| Noninterest expense to average assets | 2.9073% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0608% | 2,080 |
| Return on assets (ROA) | 1.0608% | 2,163 |
| Pretax return on assets | 1.7072% | 978 |
| Return on Equity (ROE) | 8.8671% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.8671% | 685 |
| Net charge-offs to loans | -0.0009% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0030% | 4,441 |
| Assets per employee ($millions) | 7.5000% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 78.1441% | 1,099 |
| Net loans and leases to deposits | 95.6027% | 1,059 |
| Net loans and leases to core deposits | 110.2801% | 837 |
| Total domestic deposits to total assets | 81.7384% | 4,244 |
| Equity capital to assets | 11.4952% | 2,367 |
| Core capital (leverage) ratio | 11.8747% | 1,705 |
| Tier 1 risk-based capital ratio | 13.6350% | 3,930 |
| Total risk-based capital ratio | 14.8875% | 3,855 |
| Memoranda: | ||
| Average total assets | $144,327,200 | 3,659 |
| Average earning assets | $135,129,600 | 3,610 |
| Average equity | $17,266,000 | 3,496 |
| Average total loans | $117,371,400 | 3,090 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 360 |
| Cost of funding earning assets | 0.6070% | 1,365 |
| Net interest margin | 4.7181% | 440 |
| Noninterest income to average assets | 0.1758% | 5,599 |
| Noninterest expense to average assets | 2.9789% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0106% | 2,419 |
| Return on assets (ROA) | 1.0106% | 2,515 |
| Pretax return on assets | 1.6204% | 1,329 |
| Return on Equity (ROE) | 8.3565% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.3565% | 1,110 |
| Net charge-offs to loans | -0.0012% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7688% | 4,105 |
| Assets per employee ($millions) | 7.0859% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 1,875 |
| Loan loss allowance to noncurrent loans | 562.5369% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 3,256 |
| Noncurrent loans to loans | 0.2796% | 4,577 |
| Net loans and leases to total assets | 80.1859% | 803 |
| Net loans and leases to deposits | 96.2887% | 976 |
| Net loans and leases to core deposits | 111.4038% | 793 |
| Total domestic deposits to total assets | 83.2765% | 3,710 |
| Equity capital to assets | 11.8559% | 2,211 |
| Core capital (leverage) ratio | 12.2178% | 1,556 |
| Tier 1 risk-based capital ratio | 13.9310% | 3,886 |
| Total risk-based capital ratio | 15.1843% | 3,826 |
| Memoranda: | ||
| Average total assets | $141,034,000 | 3,736 |
| Average earning assets | $132,224,500 | 3,688 |
| Average equity | $17,056,250 | 3,550 |
| Average total loans | $115,468,250 | 3,139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 415 |
| Cost of funding earning assets | 0.6004% | 1,414 |
| Net interest margin | 4.6198% | 516 |
| Noninterest income to average assets | 0.1430% | 5,849 |
| Noninterest expense to average assets | 3.0742% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8783% | 2,998 |
| Return on assets (ROA) | 0.8783% | 3,109 |
| Pretax return on assets | 1.4042% | 1,962 |
| Return on Equity (ROE) | 7.2119% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.2119% | 1,614 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6452% | 3,563 |
| Assets per employee ($millions) | 6.9443% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 1,898 |
| Loan loss allowance to noncurrent loans | 558.9443% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 3,479 |
| Noncurrent loans to loans | 0.2870% | 4,655 |
| Net loans and leases to total assets | 80.1543% | 781 |
| Net loans and leases to deposits | 97.7962% | 812 |
| Net loans and leases to core deposits | 109.7086% | 850 |
| Total domestic deposits to total assets | 81.9605% | 4,301 |
| Equity capital to assets | 11.7795% | 2,179 |
| Core capital (leverage) ratio | 12.2699% | 1,500 |
| Tier 1 risk-based capital ratio | 13.6873% | 4,103 |
| Total risk-based capital ratio | 14.9408% | 4,037 |
| Memoranda: | ||
| Average total assets | $138,444,330 | 3,812 |
| Average earning assets | $129,919,670 | 3,759 |
| Average equity | $16,861,000 | 3,591 |
| Average total loans | $113,549,000 | 3,190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 477 |
| Cost of funding earning assets | 0.6120% | 1,354 |
| Net interest margin | 4.4982% | 604 |
| Noninterest income to average assets | 0.1187% | 6,005 |
| Noninterest expense to average assets | 3.0723% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8015% | 3,250 |
| Return on assets (ROA) | 0.8015% | 3,379 |
| Pretax return on assets | 1.2794% | 2,361 |
| Return on Equity (ROE) | 6.4661% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.4661% | 2,255 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6003% | 3,378 |
| Assets per employee ($millions) | 6.5430% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,799 |
| Loan loss allowance to noncurrent loans | 584.6626% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 2,930 |
| Noncurrent loans to loans | 0.2867% | 4,746 |
| Net loans and leases to total assets | 81.3591% | 532 |
| Net loans and leases to deposits | 97.1909% | 752 |
| Net loans and leases to core deposits | 109.5809% | 765 |
| Total domestic deposits to total assets | 83.7106% | 3,929 |
| Equity capital to assets | 12.2560% | 1,853 |
| Core capital (leverage) ratio | 12.5054% | 1,362 |
| Tier 1 risk-based capital ratio | 14.0132% | 4,002 |
| Total risk-based capital ratio | 15.2624% | 3,929 |
| Memoranda: | ||
| Average total assets | $134,751,500 | 3,908 |
| Average earning assets | $126,806,000 | 3,851 |
| Average equity | $16,702,500 | 3,629 |
| Average total loans | $110,926,000 | 3,250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 330 |
| Cost of funding earning assets | 0.6222% | 1,591 |
| Net interest margin | 4.8592% | 387 |
| Noninterest income to average assets | 0.1848% | 5,750 |
| Noninterest expense to average assets | 3.2300% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9384% | 2,686 |
| Return on assets (ROA) | 0.9384% | 2,776 |
| Pretax return on assets | 1.5050% | 1,522 |
| Return on Equity (ROE) | 7.7673% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.7673% | 1,101 |
| Net charge-offs to loans | -0.0968% | 6,104 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2157% | 3,859 |
| Assets per employee ($millions) | 6.3014% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 1,622 |
| Loan loss allowance to noncurrent loans | 575.8308% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 2,968 |
| Noncurrent loans to loans | 0.3060% | 4,749 |
| Net loans and leases to total assets | 80.2925% | 704 |
| Net loans and leases to deposits | 96.2959% | 885 |
| Net loans and leases to core deposits | 108.2967% | 873 |
| Total domestic deposits to total assets | 83.3809% | 3,952 |
| Equity capital to assets | 12.4439% | 1,681 |
| Core capital (leverage) ratio | 12.4028% | 1,399 |
| Tier 1 risk-based capital ratio | 14.7645% | 3,623 |
| Total risk-based capital ratio | 16.0199% | 3,550 |
| Memoranda: | ||
| Average total assets | $130,433,200 | 3,963 |
| Average earning assets | $122,140,400 | 3,918 |
| Average equity | $15,758,400 | 3,714 |
| Average total loans | $106,416,400 | 3,296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 405 |
| Cost of funding earning assets | 0.6235% | 1,654 |
| Net interest margin | 4.7373% | 469 |
| Noninterest income to average assets | 0.1847% | 5,813 |
| Noninterest expense to average assets | 3.2368% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8618% | 3,115 |
| Return on assets (ROA) | 0.8618% | 3,206 |
| Pretax return on assets | 1.3830% | 2,073 |
| Return on Equity (ROE) | 7.1879% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.1879% | 1,722 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0644% | 3,494 |
| Assets per employee ($millions) | 5.8896% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 2,006 |
| Loan loss allowance to noncurrent loans | 146.8241% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 2,667 |
| Noncurrent loans to loans | 1.1505% | 2,755 |
| Net loans and leases to total assets | 80.9857% | 608 |
| Net loans and leases to deposits | 97.4345% | 768 |
| Net loans and leases to core deposits | 108.6082% | 820 |
| Total domestic deposits to total assets | 83.1181% | 4,090 |
| Equity capital to assets | 12.4086% | 1,764 |
| Core capital (leverage) ratio | 12.3805% | 1,474 |
| Tier 1 risk-based capital ratio | 14.7861% | 3,709 |
| Total risk-based capital ratio | 16.0416% | 3,647 |
| Memoranda: | ||
| Average total assets | $129,959,000 | 4,007 |
| Average earning assets | $121,670,750 | 3,953 |
| Average equity | $15,581,250 | 3,754 |
| Average total loans | $105,981,250 | 3,333 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 414 |
| Cost of funding earning assets | 0.6260% | 1,674 |
| Net interest margin | 4.7076% | 479 |
| Noninterest income to average assets | 0.1691% | 5,942 |
| Noninterest expense to average assets | 3.3085% | 1,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7872% | 3,392 |
| Return on assets (ROA) | 0.7872% | 3,492 |
| Pretax return on assets | 1.2653% | 2,391 |
| Return on Equity (ROE) | 6.6426% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.6426% | 1,953 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3361% | 3,280 |
| Assets per employee ($millions) | 6.2372% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 2,211 |
| Loan loss allowance to noncurrent loans | 174.0347% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 2,010 |
| Noncurrent loans to loans | 0.9622% | 3,318 |
| Net loans and leases to total assets | 80.8233% | 589 |
| Net loans and leases to deposits | 97.6182% | 694 |
| Net loans and leases to core deposits | 108.1613% | 761 |
| Total domestic deposits to total assets | 82.7953% | 4,386 |
| Equity capital to assets | 12.0108% | 1,972 |
| Core capital (leverage) ratio | 12.2228% | 1,539 |
| Tier 1 risk-based capital ratio | 14.5748% | 3,882 |
| Total risk-based capital ratio | 15.8304% | 3,831 |
| Memoranda: | ||
| Average total assets | $130,088,330 | 4,030 |
| Average earning assets | $121,718,670 | 3,974 |
| Average equity | $15,415,670 | 3,786 |
| Average total loans | $105,729,330 | 3,343 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 333 |
| Cost of funding earning assets | 0.6403% | 1,642 |
| Net interest margin | 4.7795% | 398 |
| Noninterest income to average assets | 0.1172% | 6,264 |
| Noninterest expense to average assets | 3.3940% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7405% | 3,480 |
| Return on assets (ROA) | 0.7405% | 3,561 |
| Pretax return on assets | 1.1910% | 2,521 |
| Return on Equity (ROE) | 6.2920% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.2920% | 2,384 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0242% | 3,141 |
| Assets per employee ($millions) | 6.5213% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 2,310 |
| Loan loss allowance to noncurrent loans | 200.5562% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 2,312 |
| Noncurrent loans to loans | 0.8539% | 3,760 |
| Net loans and leases to total assets | 79.3400% | 618 |
| Net loans and leases to deposits | 94.0599% | 786 |
| Net loans and leases to core deposits | 104.5834% | 823 |
| Total domestic deposits to total assets | 84.3505% | 4,144 |
| Equity capital to assets | 11.8059% | 2,007 |
| Core capital (leverage) ratio | 11.8552% | 1,731 |
| Tier 1 risk-based capital ratio | 14.5405% | 3,986 |
| Total risk-based capital ratio | 15.7966% | 3,929 |
| Memoranda: | ||
| Average total assets | $129,641,500 | 4,077 |
| Average earning assets | $121,185,000 | 4,021 |
| Average equity | $15,257,500 | 3,817 |
| Average total loans | $104,760,500 | 3,373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3760% | 458 |
| Cost of funding earning assets | 0.7289% | 1,630 |
| Net interest margin | 4.6471% | 553 |
| Noninterest income to average assets | 0.0889% | 6,427 |
| Noninterest expense to average assets | 3.3520% | 1,992 |
| Loan and lease loss provision to assets | 0.2153% | 1,699 |
| Net operating income to assets | 0.5431% | 4,542 |
| Return on assets (ROA) | 0.5595% | 4,581 |
| Pretax return on assets | 0.8572% | 3,929 |
| Return on Equity (ROE) | 4.7073% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.7073% | 2,810 |
| Net charge-offs to loans | 0.0839% | 4,038 |
| Credit loss provision to net charge-offs | 334.1772% | 682 |
| Earnings coverage of net charge-offs (x) | 16.2532% | 1,814 |
| Efficiency ratio | 76.1587% | 2,747 |
| Assets per employee ($millions) | 6.1360% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,305 |
| Loan loss allowance to noncurrent loans | 193.8710% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 2.1279% | 1,674 |
| Noncurrent loans to loans | 0.8922% | 3,761 |
| Net loans and leases to total assets | 79.4951% | 651 |
| Net loans and leases to deposits | 94.4554% | 842 |
| Net loans and leases to core deposits | 104.5661% | 875 |
| Total domestic deposits to total assets | 84.1615% | 4,104 |
| Equity capital to assets | 11.7316% | 2,005 |
| Core capital (leverage) ratio | 12.0262% | 1,586 |
| Tier 1 risk-based capital ratio | 14.6074% | 3,897 |
| Total risk-based capital ratio | 15.8638% | 3,835 |
| Memoranda: | ||
| Average total assets | $122,612,000 | 4,222 |
| Average earning assets | $113,727,400 | 4,187 |
| Average equity | $14,573,200 | 3,952 |
| Average total loans | $94,177,600 | 3,596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 452 |
| Cost of funding earning assets | 0.7538% | 1,578 |
| Net interest margin | 4.6370% | 577 |
| Noninterest income to average assets | 0.0672% | 6,579 |
| Noninterest expense to average assets | 3.3935% | 1,841 |
| Loan and lease loss provision to assets | 0.2908% | 1,181 |
| Net operating income to assets | 0.4286% | 5,120 |
| Return on assets (ROA) | 0.4505% | 5,160 |
| Pretax return on assets | 0.7126% | 4,649 |
| Return on Equity (ROE) | 3.7772% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.7772% | 3,992 |
| Net charge-offs to loans | 0.0902% | 3,669 |
| Credit loss provision to net charge-offs | 425.8065% | 624 |
| Earnings coverage of net charge-offs (x) | 14.1943% | 1,962 |
| Efficiency ratio | 77.7329% | 2,458 |
| Assets per employee ($millions) | 5.9855% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 2,132 |
| Loan loss allowance to noncurrent loans | 155.0256% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 2.3281% | 1,692 |
| Noncurrent loans to loans | 1.1957% | 3,430 |
| Net loans and leases to total assets | 80.5010% | 496 |
| Net loans and leases to deposits | 92.2234% | 970 |
| Net loans and leases to core deposits | 102.5028% | 957 |
| Total domestic deposits to total assets | 87.2892% | 2,512 |
| Equity capital to assets | 12.3316% | 1,686 |
| Core capital (leverage) ratio | 12.2108% | 1,558 |
| Tier 1 risk-based capital ratio | 14.9571% | 3,776 |
| Total risk-based capital ratio | 16.2146% | 3,724 |
| Memoranda: | ||
| Average total assets | $121,050,750 | 4,304 |
| Average earning assets | $112,139,500 | 4,258 |
| Average equity | $14,437,250 | 4,031 |
| Average total loans | $91,662,500 | 3,672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 635 |
| Cost of funding earning assets | 0.7827% | 1,510 |
| Net interest margin | 4.4224% | 815 |
| Noninterest income to average assets | -0.0016% | 6,808 |
| Noninterest expense to average assets | 3.4058% | 1,808 |
| Loan and lease loss provision to assets | 0.4346% | 678 |
| Net operating income to assets | 0.1627% | 5,995 |
| Return on assets (ROA) | 0.1959% | 6,031 |
| Pretax return on assets | 0.3012% | 5,879 |
| Return on Equity (ROE) | 1.6610% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.6610% | 5,188 |
| Net charge-offs to loans | 0.1386% | 2,994 |
| Credit loss provision to net charge-offs | 425.8065% | 634 |
| Earnings coverage of net charge-offs (x) | 6.7097% | 2,669 |
| Efficiency ratio | 83.1791% | 1,735 |
| Assets per employee ($millions) | 6.1299% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 2,114 |
| Loan loss allowance to noncurrent loans | 222.7662% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 2.7978% | 1,481 |
| Noncurrent loans to loans | 0.8525% | 4,214 |
| Net loans and leases to total assets | 76.6872% | 904 |
| Net loans and leases to deposits | 87.2620% | 1,434 |
| Net loans and leases to core deposits | 96.3941% | 1,316 |
| Total domestic deposits to total assets | 87.8815% | 2,330 |
| Equity capital to assets | 11.7596% | 2,083 |
| Core capital (leverage) ratio | 11.7914% | 1,731 |
| Tier 1 risk-based capital ratio | 14.9440% | 3,815 |
| Total risk-based capital ratio | 16.2023% | 3,770 |
| Memoranda: | ||
| Average total assets | $121,498,000 | 4,314 |
| Average earning assets | $112,427,330 | 4,281 |
| Average equity | $14,329,000 | 4,087 |
| Average total loans | $89,487,670 | 3,740 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 1,036 |
| Cost of funding earning assets | 0.8392% | 1,315 |
| Net interest margin | 4.0781% | 1,530 |
| Noninterest income to average assets | -0.1918% | 6,948 |
| Noninterest expense to average assets | 3.3998% | 1,838 |
| Loan and lease loss provision to assets | 0.1753% | 2,116 |
| Net operating income to assets | 0.0165% | 6,314 |
| Return on assets (ROA) | 0.0165% | 6,394 |
| Pretax return on assets | 0.0099% | 6,396 |
| Return on Equity (ROE) | 0.1400% | 6,400 |
| Retained earnings to average equity (ytd only) | 0.1400% | 5,735 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8339% | 786 |
| Assets per employee ($millions) | 6.0374% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 2,419 |
| Loan loss allowance to noncurrent loans | 85.6484% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 2.9963% | 1,499 |
| Noncurrent loans to loans | 2.1722% | 2,422 |
| Net loans and leases to total assets | 72.9989% | 1,201 |
| Net loans and leases to deposits | 83.1437% | 1,688 |
| Net loans and leases to core deposits | 92.3951% | 1,464 |
| Total domestic deposits to total assets | 87.7985% | 2,457 |
| Equity capital to assets | 11.8661% | 2,133 |
| Core capital (leverage) ratio | 11.8591% | 1,652 |
| Tier 1 risk-based capital ratio | 16.0151% | 3,259 |
| Total risk-based capital ratio | 17.2729% | 3,217 |
| Memoranda: | ||
| Average total assets | $120,948,000 | 4,377 |
| Average earning assets | $112,014,000 | 4,334 |
| Average equity | $14,285,000 | 4,138 |
| Average total loans | $86,313,000 | 3,833 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 854 |
| Cost of funding earning assets | 0.9879% | 1,419 |
| Net interest margin | 4.3493% | 1,289 |
| Noninterest income to average assets | -0.0568% | 6,890 |
| Noninterest expense to average assets | 3.3829% | 2,095 |
| Loan and lease loss provision to assets | 0.0634% | 4,971 |
| Net operating income to assets | 0.3435% | 5,318 |
| Return on assets (ROA) | 0.4057% | 5,330 |
| Pretax return on assets | 0.6624% | 4,786 |
| Return on Equity (ROE) | 3.5582% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.5582% | 3,709 |
| Net charge-offs to loans | 0.0963% | 4,702 |
| Credit loss provision to net charge-offs | 96.2500% | 3,221 |
| Earnings coverage of net charge-offs (x) | 9.5500% | 2,257 |
| Efficiency ratio | 84.3282% | 1,590 |
| Assets per employee ($millions) | 6.0575% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 2,146 |
| Loan loss allowance to noncurrent loans | 82.5510% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 3.0706% | 1,534 |
| Noncurrent loans to loans | 2.3668% | 2,270 |
| Net loans and leases to total assets | 67.0191% | 2,360 |
| Net loans and leases to deposits | 76.3623% | 2,740 |
| Net loans and leases to core deposits | 84.8057% | 2,452 |
| Total domestic deposits to total assets | 87.7647% | 2,369 |
| Equity capital to assets | 11.7558% | 2,217 |
| Core capital (leverage) ratio | 11.8194% | 1,657 |
| Tier 1 risk-based capital ratio | 17.4460% | 2,470 |
| Total risk-based capital ratio | 18.7052% | 2,441 |
| Memoranda: | ||
| Average total assets | $121,522,600 | 4,328 |
| Average earning assets | $113,673,400 | 4,260 |
| Average equity | $13,855,400 | 4,191 |
| Average total loans | $83,046,400 | 3,940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 1,043 |
| Cost of funding earning assets | 1.0098% | 1,498 |
| Net interest margin | 4.2730% | 1,545 |
| Noninterest income to average assets | 0.0033% | 6,925 |
| Noninterest expense to average assets | 3.4096% | 1,981 |
| Loan and lease loss provision to assets | 0.0844% | 4,555 |
| Net operating income to assets | 0.3071% | 5,591 |
| Return on assets (ROA) | 0.3892% | 5,506 |
| Pretax return on assets | 0.6457% | 5,025 |
| Return on Equity (ROE) | 3.4401% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.4401% | 4,442 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9959% | 1,476 |
| Assets per employee ($millions) | 6.3794% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 2,435 |
| Loan loss allowance to noncurrent loans | 41.6278% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 5.0846% | 874 |
| Noncurrent loans to loans | 4.5904% | 1,022 |
| Net loans and leases to total assets | 71.9097% | 1,567 |
| Net loans and leases to deposits | 81.6519% | 2,171 |
| Net loans and leases to core deposits | 90.3747% | 1,941 |
| Total domestic deposits to total assets | 88.0685% | 2,005 |
| Equity capital to assets | 11.5651% | 2,688 |
| Core capital (leverage) ratio | 11.5751% | 1,932 |
| Tier 1 risk-based capital ratio | 16.2430% | 3,135 |
| Total risk-based capital ratio | 17.5017% | 3,099 |
| Memoranda: | ||
| Average total assets | $121,616,000 | 4,363 |
| Average earning assets | $114,077,250 | 4,285 |
| Average equity | $13,758,750 | 4,249 |
| Average total loans | $83,105,250 | 3,986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 960 |
| Cost of funding earning assets | 1.0245% | 1,610 |
| Net interest margin | 4.3250% | 1,409 |
| Noninterest income to average assets | -0.0657% | 7,066 |
| Noninterest expense to average assets | 3.3363% | 2,197 |
| Loan and lease loss provision to assets | 0.1265% | 3,940 |
| Net operating income to assets | 0.3163% | 5,562 |
| Return on assets (ROA) | 0.3910% | 5,486 |
| Pretax return on assets | 0.6587% | 4,947 |
| Return on Equity (ROE) | 3.4815% | 5,488 |
| Retained earnings to average equity (ytd only) | 3.4815% | 4,275 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3060% | 1,704 |
| Assets per employee ($millions) | 6.6653% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0949% | 2,013 |
| Loan loss allowance to noncurrent loans | 246.0870% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 2.3121% | 2,420 |
| Noncurrent loans to loans | 0.8513% | 4,817 |
| Net loans and leases to total assets | 66.1432% | 2,641 |
| Net loans and leases to deposits | 75.1321% | 3,106 |
| Net loans and leases to core deposits | 82.0921% | 2,949 |
| Total domestic deposits to total assets | 88.0359% | 2,118 |
| Equity capital to assets | 11.5548% | 2,538 |
| Core capital (leverage) ratio | 11.2840% | 2,057 |
| Tier 1 risk-based capital ratio | 17.7237% | 2,390 |
| Total risk-based capital ratio | 18.9857% | 2,350 |
| Memoranda: | ||
| Average total assets | $121,751,670 | 4,383 |
| Average earning assets | $114,588,670 | 4,296 |
| Average equity | $13,672,330 | 4,263 |
| Average total loans | $81,187,330 | 4,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1412% | 1,458 |
| Cost of funding earning assets | 1.0650% | 1,597 |
| Net interest margin | 4.0762% | 2,193 |
| Noninterest income to average assets | 0.1468% | 6,507 |
| Noninterest expense to average assets | 3.4084% | 1,991 |
| Loan and lease loss provision to assets | 0.2511% | 2,447 |
| Net operating income to assets | 0.1678% | 6,069 |
| Return on assets (ROA) | 0.2805% | 5,883 |
| Pretax return on assets | 0.4958% | 5,442 |
| Return on Equity (ROE) | 2.5337% | 5,893 |
| Retained earnings to average equity (ytd only) | 2.5337% | 4,991 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6557% | 1,510 |
| Assets per employee ($millions) | 6.2379% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 2,327 |
| Loan loss allowance to noncurrent loans | 65.4335% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 3.8298% | 1,457 |
| Noncurrent loans to loans | 3.0710% | 2,089 |
| Net loans and leases to total assets | 66.3698% | 2,398 |
| Net loans and leases to deposits | 75.6740% | 2,848 |
| Net loans and leases to core deposits | 81.6836% | 2,873 |
| Total domestic deposits to total assets | 87.7049% | 2,524 |
| Equity capital to assets | 10.9357% | 2,985 |
| Core capital (leverage) ratio | 10.8550% | 2,381 |
| Tier 1 risk-based capital ratio | 16.5783% | 2,873 |
| Total risk-based capital ratio | 17.8387% | 2,830 |
| Memoranda: | ||
| Average total assets | $122,639,500 | 4,387 |
| Average earning assets | $115,303,500 | 4,303 |
| Average equity | $13,577,000 | 4,283 |
| Average total loans | $81,254,000 | 4,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 1,643 |
| Cost of funding earning assets | 1.2965% | 1,499 |
| Net interest margin | 4.0238% | 2,769 |
| Noninterest income to average assets | -0.1007% | 7,100 |
| Noninterest expense to average assets | 3.2201% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2449% | 5,439 |
| Return on assets (ROA) | 0.2988% | 5,411 |
| Pretax return on assets | 0.5395% | 4,874 |
| Return on Equity (ROE) | 2.7726% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.7726% | 4,260 |
| Net charge-offs to loans | 0.1175% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.0435% | 2,611 |
| Efficiency ratio | 87.6142% | 1,390 |
| Assets per employee ($millions) | 6.0261% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 2,071 |
| Loan loss allowance to noncurrent loans | 66.6256% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 3.8300% | 1,508 |
| Noncurrent loans to loans | 3.1189% | 2,073 |
| Net loans and leases to total assets | 63.3810% | 3,316 |
| Net loans and leases to deposits | 71.8000% | 3,825 |
| Net loans and leases to core deposits | 76.6909% | 3,877 |
| Total domestic deposits to total assets | 88.2743% | 1,980 |
| Equity capital to assets | 11.2104% | 2,782 |
| Core capital (leverage) ratio | 10.9337% | 2,320 |
| Tier 1 risk-based capital ratio | 17.6057% | 2,344 |
| Total risk-based capital ratio | 18.8673% | 2,307 |
| Memoranda: | ||
| Average total assets | $122,139,000 | 4,343 |
| Average earning assets | $114,619,400 | 4,268 |
| Average equity | $13,164,600 | 4,311 |
| Average total loans | $78,322,200 | 4,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2964% | 1,873 |
| Cost of funding earning assets | 1.3444% | 1,481 |
| Net interest margin | 3.9521% | 3,146 |
| Noninterest income to average assets | -0.0979% | 7,207 |
| Noninterest expense to average assets | 3.1041% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2733% | 5,493 |
| Return on assets (ROA) | 0.3395% | 5,428 |
| Pretax return on assets | 0.6115% | 4,772 |
| Return on Equity (ROE) | 3.1808% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.1808% | 4,436 |
| Net charge-offs to loans | 0.1565% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.0762% | 2,881 |
| Efficiency ratio | 85.9337% | 1,537 |
| Assets per employee ($millions) | 6.1282% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 2,027 |
| Loan loss allowance to noncurrent loans | 66.5982% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 3.7670% | 1,652 |
| Noncurrent loans to loans | 3.1805% | 2,184 |
| Net loans and leases to total assets | 61.1183% | 3,923 |
| Net loans and leases to deposits | 68.8717% | 4,466 |
| Net loans and leases to core deposits | 73.9827% | 4,443 |
| Total domestic deposits to total assets | 88.7422% | 1,588 |
| Equity capital to assets | 10.9045% | 3,236 |
| Core capital (leverage) ratio | 10.8233% | 2,550 |
| Tier 1 risk-based capital ratio | 18.0275% | 2,238 |
| Total risk-based capital ratio | 19.2894% | 2,198 |
| Memoranda: | ||
| Average total assets | $122,543,250 | 4,353 |
| Average earning assets | $115,042,750 | 4,283 |
| Average equity | $13,078,000 | 4,334 |
| Average total loans | $78,400,500 | 4,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 1,390 |
| Cost of funding earning assets | 1.3863% | 1,477 |
| Net interest margin | 4.0736% | 2,518 |
| Noninterest income to average assets | -0.2008% | 7,342 |
| Noninterest expense to average assets | 3.1223% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2615% | 5,511 |
| Return on assets (ROA) | 0.3607% | 5,265 |
| Pretax return on assets | 0.6545% | 4,558 |
| Return on Equity (ROE) | 3.4046% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.4046% | 4,092 |
| Net charge-offs to loans | 0.2328% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.3261% | 3,210 |
| Efficiency ratio | 86.2100% | 1,583 |
| Assets per employee ($millions) | 6.9589% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 2,006 |
| Loan loss allowance to noncurrent loans | 66.5708% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 4.0068% | 1,598 |
| Noncurrent loans to loans | 3.2365% | 2,206 |
| Net loans and leases to total assets | 58.7685% | 4,504 |
| Net loans and leases to deposits | 65.8968% | 5,017 |
| Net loans and leases to core deposits | 71.4949% | 4,888 |
| Total domestic deposits to total assets | 89.1826% | 1,427 |
| Equity capital to assets | 10.4893% | 3,521 |
| Core capital (leverage) ratio | 10.6160% | 2,603 |
| Tier 1 risk-based capital ratio | 17.7433% | 2,252 |
| Total risk-based capital ratio | 19.0049% | 2,211 |
| Memoranda: | ||
| Average total assets | $122,536,330 | 4,374 |
| Average earning assets | $114,984,670 | 4,304 |
| Average equity | $12,982,330 | 4,347 |
| Average total loans | $79,024,000 | 4,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 1,181 |
| Cost of funding earning assets | 1.4380% | 1,442 |
| Net interest margin | 4.1097% | 2,229 |
| Noninterest income to average assets | -0.2179% | 7,439 |
| Noninterest expense to average assets | 3.0667% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3038% | 5,385 |
| Return on assets (ROA) | 0.4390% | 4,850 |
| Pretax return on assets | 0.7757% | 3,984 |
| Return on Equity (ROE) | 4.1228% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.1228% | 3,692 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4545% | 1,902 |
| Assets per employee ($millions) | 6.8157% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1788% | 2,015 |
| Loan loss allowance to noncurrent loans | 51.9879% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 4.9649% | 1,268 |
| Noncurrent loans to loans | 4.1909% | 1,709 |
| Net loans and leases to total assets | 62.6905% | 3,721 |
| Net loans and leases to deposits | 70.3447% | 4,298 |
| Net loans and leases to core deposits | 76.2603% | 4,271 |
| Total domestic deposits to total assets | 89.1190% | 1,696 |
| Equity capital to assets | 10.5900% | 3,091 |
| Core capital (leverage) ratio | 10.6277% | 2,485 |
| Tier 1 risk-based capital ratio | 16.1696% | 2,826 |
| Total risk-based capital ratio | 17.4310% | 2,784 |
| Memoranda: | ||
| Average total assets | $121,174,000 | 4,443 |
| Average earning assets | $113,488,000 | 4,366 |
| Average equity | $12,904,000 | 4,360 |
| Average total loans | $80,918,500 | 4,222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 1,501 |
| Cost of funding earning assets | 1.8244% | 1,079 |
| Net interest margin | 3.8944% | 3,517 |
| Noninterest income to average assets | -0.0928% | 7,385 |
| Noninterest expense to average assets | 2.9586% | 4,004 |
| Loan and lease loss provision to assets | 0.1932% | 5,300 |
| Net operating income to assets | 0.1868% | 5,313 |
| Return on assets (ROA) | 0.2238% | 5,356 |
| Pretax return on assets | 0.4569% | 4,770 |
| Return on Equity (ROE) | 2.0897% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.0897% | 4,420 |
| Net charge-offs to loans | 0.1439% | 5,496 |
| Credit loss provision to net charge-offs | 192.3729% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.8983% | 2,501 |
| Efficiency ratio | 83.3214% | 2,012 |
| Assets per employee ($millions) | 7.0392% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 2,161 |
| Loan loss allowance to noncurrent loans | 38.5550% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 6.2933% | 912 |
| Noncurrent loans to loans | 5.3392% | 1,235 |
| Net loans and leases to total assets | 68.1071% | 2,963 |
| Net loans and leases to deposits | 76.5757% | 3,753 |
| Net loans and leases to core deposits | 84.2719% | 3,558 |
| Total domestic deposits to total assets | 88.9409% | 1,693 |
| Equity capital to assets | 10.7098% | 2,944 |
| Core capital (leverage) ratio | 10.7205% | 2,368 |
| Tier 1 risk-based capital ratio | 14.9745% | 3,269 |
| Total risk-based capital ratio | 16.2344% | 3,212 |
| Memoranda: | ||
| Average total assets | $117,520,000 | 4,539 |
| Average earning assets | $109,952,400 | 4,466 |
| Average equity | $12,585,600 | 4,464 |
| Average total loans | $81,996,800 | 4,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7586% | 1,517 |
| Cost of funding earning assets | 1.8960% | 1,041 |
| Net interest margin | 3.8626% | 3,692 |
| Noninterest income to average assets | 0.0615% | 7,219 |
| Noninterest expense to average assets | 3.0910% | 3,374 |
| Loan and lease loss provision to assets | 0.2268% | 4,804 |
| Net operating income to assets | 0.1623% | 5,611 |
| Return on assets (ROA) | 0.1915% | 5,693 |
| Pretax return on assets | 0.4046% | 5,203 |
| Return on Equity (ROE) | 1.7879% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.7879% | 5,074 |
| Net charge-offs to loans | 0.1926% | 4,796 |
| Credit loss provision to net charge-offs | 168.6441% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.3559% | 3,084 |
| Efficiency ratio | 84.0670% | 1,832 |
| Assets per employee ($millions) | 6.6383% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 2,196 |
| Loan loss allowance to noncurrent loans | 69.3416% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 4.0414% | 1,727 |
| Noncurrent loans to loans | 2.8959% | 2,757 |
| Net loans and leases to total assets | 68.8164% | 3,029 |
| Net loans and leases to deposits | 77.3110% | 3,955 |
| Net loans and leases to core deposits | 85.0596% | 3,787 |
| Total domestic deposits to total assets | 89.0124% | 1,384 |
| Equity capital to assets | 10.6211% | 3,385 |
| Core capital (leverage) ratio | 10.2581% | 2,976 |
| Tier 1 risk-based capital ratio | 14.1858% | 3,697 |
| Total risk-based capital ratio | 15.4440% | 3,664 |
| Memoranda: | ||
| Average total assets | $116,983,500 | 4,609 |
| Average earning assets | $109,491,500 | 4,542 |
| Average equity | $12,528,000 | 4,543 |
| Average total loans | $81,692,500 | 4,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 1,419 |
| Cost of funding earning assets | 1.9721% | 979 |
| Net interest margin | 3.8319% | 3,754 |
| Noninterest income to average assets | 0.0568% | 7,305 |
| Noninterest expense to average assets | 3.2338% | 2,789 |
| Loan and lease loss provision to assets | 0.1309% | 5,575 |
| Net operating income to assets | 0.1109% | 5,834 |
| Return on assets (ROA) | 0.1550% | 5,827 |
| Pretax return on assets | 0.3409% | 5,393 |
| Return on Equity (ROE) | 1.4430% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.4430% | 5,154 |
| Net charge-offs to loans | 0.2248% | 4,251 |
| Credit loss provision to net charge-offs | 83.5165% | 4,608 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,710 |
| Efficiency ratio | 88.9205% | 1,424 |
| Assets per employee ($millions) | 6.7772% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0069% | 2,158 |
| Loan loss allowance to noncurrent loans | 64.8836% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 4.0085% | 1,723 |
| Noncurrent loans to loans | 3.0931% | 2,595 |
| Net loans and leases to total assets | 63.6011% | 4,332 |
| Net loans and leases to deposits | 71.1781% | 5,122 |
| Net loans and leases to core deposits | 79.0873% | 4,790 |
| Total domestic deposits to total assets | 89.3549% | 1,252 |
| Equity capital to assets | 10.2861% | 3,667 |
| Core capital (leverage) ratio | 10.1232% | 3,032 |
| Tier 1 risk-based capital ratio | 14.6575% | 3,350 |
| Total risk-based capital ratio | 15.9160% | 3,322 |
| Memoranda: | ||
| Average total assets | $116,148,330 | 4,652 |
| Average earning assets | $108,511,330 | 4,596 |
| Average equity | $12,473,670 | 4,559 |
| Average total loans | $80,952,330 | 4,420 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1226% | 748 |
| Cost of funding earning assets | 2.0938% | 831 |
| Net interest margin | 4.0288% | 2,749 |
| Noninterest income to average assets | 0.0424% | 7,499 |
| Noninterest expense to average assets | 3.0947% | 3,280 |
| Loan and lease loss provision to assets | 0.2720% | 3,850 |
| Net operating income to assets | 0.2049% | 5,668 |
| Return on assets (ROA) | 0.2049% | 5,786 |
| Pretax return on assets | 0.4416% | 5,157 |
| Return on Equity (ROE) | 1.8655% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.8655% | 4,999 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2616% | 2,378 |
| Assets per employee ($millions) | 6.6919% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0067% | 2,167 |
| Loan loss allowance to noncurrent loans | 130.8171% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 2.2274% | 3,242 |
| Noncurrent loans to loans | 1.5340% | 4,446 |
| Net loans and leases to total assets | 72.1570% | 2,414 |
| Net loans and leases to deposits | 81.4131% | 3,382 |
| Net loans and leases to core deposits | 91.3520% | 3,190 |
| Total domestic deposits to total assets | 88.6307% | 1,716 |
| Equity capital to assets | 10.9798% | 2,783 |
| Core capital (leverage) ratio | 10.6176% | 2,524 |
| Tier 1 risk-based capital ratio | 13.9113% | 3,715 |
| Total risk-based capital ratio | 15.1702% | 3,668 |
| Memoranda: | ||
| Average total assets | $113,227,500 | 4,792 |
| Average earning assets | $105,837,000 | 4,708 |
| Average equity | $12,436,500 | 4,606 |
| Average total loans | $81,840,500 | 4,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6768% | 489 |
| Cost of funding earning assets | 2.9359% | 277 |
| Net interest margin | 3.7409% | 3,950 |
| Noninterest income to average assets | -0.0265% | 7,743 |
| Noninterest expense to average assets | 3.2458% | 3,203 |
| Loan and lease loss provision to assets | 0.7235% | 2,948 |
| Net operating income to assets | 0.2639% | 4,669 |
| Return on assets (ROA) | 0.2639% | 4,751 |
| Pretax return on assets | -0.6554% | 6,140 |
| Return on Equity (ROE) | 2.2825% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.2825% | 3,519 |
| Net charge-offs to loans | 0.2921% | 4,808 |
| Credit loss provision to net charge-offs | 355.8140% | 903 |
| Earnings coverage of net charge-offs (x) | 0.3349% | 5,783 |
| Efficiency ratio | 97.9452% | 1,216 |
| Assets per employee ($millions) | 6.6289% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0072% | 2,005 |
| Loan loss allowance to noncurrent loans | 135.5875% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 2.1732% | 3,166 |
| Noncurrent loans to loans | 1.4804% | 4,448 |
| Net loans and leases to total assets | 69.4885% | 3,367 |
| Net loans and leases to deposits | 78.5791% | 4,260 |
| Net loans and leases to core deposits | 103.1672% | 3,668 |
| Total domestic deposits to total assets | 88.4313% | 1,759 |
| Equity capital to assets | 10.9875% | 2,713 |
| Core capital (leverage) ratio | 10.5460% | 2,558 |
| Tier 1 risk-based capital ratio | 14.6454% | 3,132 |
| Total risk-based capital ratio | 15.9051% | 3,084 |
| Memoranda: | ||
| Average total assets | $105,736,200 | 4,934 |
| Average earning assets | $94,416,800 | 4,996 |
| Average equity | $12,223,400 | 4,701 |
| Average total loans | $73,614,600 | 4,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8820% | 363 |
| Cost of funding earning assets | 3.1533% | 213 |
| Net interest margin | 3.7287% | 3,952 |
| Noninterest income to average assets | -0.0500% | 7,899 |
| Noninterest expense to average assets | 3.3628% | 2,684 |
| Loan and lease loss provision to assets | 0.8205% | 2,320 |
| Net operating income to assets | 0.3244% | 4,702 |
| Return on assets (ROA) | 0.3244% | 4,809 |
| Pretax return on assets | -0.9513% | 6,644 |
| Return on Equity (ROE) | 2.7686% | 4,893 |
| Retained earnings to average equity (ytd only) | 2.7686% | 3,786 |
| Net charge-offs to loans | 0.3979% | 3,675 |
| Credit loss provision to net charge-offs | 297.6744% | 1,390 |
| Earnings coverage of net charge-offs (x) | -0.4744% | 6,470 |
| Efficiency ratio | 104.0460% | 920 |
| Assets per employee ($millions) | 6.4155% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 1,788 |
| Loan loss allowance to noncurrent loans | 153.2642% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 2.0529% | 3,278 |
| Noncurrent loans to loans | 1.3083% | 4,753 |
| Net loans and leases to total assets | 66.2748% | 4,364 |
| Net loans and leases to deposits | 75.3283% | 5,149 |
| Net loans and leases to core deposits | 99.6759% | 4,410 |
| Total domestic deposits to total assets | 87.9814% | 1,666 |
| Equity capital to assets | 11.2448% | 2,796 |
| Core capital (leverage) ratio | 10.4222% | 2,857 |
| Tier 1 risk-based capital ratio | 15.6131% | 2,765 |
| Total risk-based capital ratio | 16.8720% | 2,704 |
| Memoranda: | ||
| Average total assets | $103,997,250 | 5,014 |
| Average earning assets | $91,541,000 | 5,108 |
| Average equity | $12,183,750 | 4,749 |
| Average total loans | $72,040,250 | 4,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1874% | 239 |
| Cost of funding earning assets | 3.3786% | 157 |
| Net interest margin | 3.8088% | 3,519 |
| Noninterest income to average assets | 0.0411% | 7,783 |
| Noninterest expense to average assets | 3.3604% | 2,752 |
| Loan and lease loss provision to assets | 0.9188% | 1,837 |
| Net operating income to assets | 0.8230% | 2,765 |
| Return on assets (ROA) | 0.8230% | 2,863 |
| Pretax return on assets | -0.9677% | 6,796 |
| Return on Equity (ROE) | 6.9261% | 3,238 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,611 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4758% | 1,104 |
| Assets per employee ($millions) | 6.0024% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 1,556 |
| Loan loss allowance to noncurrent loans | 82.2006% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 3.6099% | 1,712 |
| Noncurrent loans to loans | 2.4387% | 2,965 |
| Net loans and leases to total assets | 65.3245% | 4,699 |
| Net loans and leases to deposits | 73.8970% | 5,468 |
| Net loans and leases to core deposits | 105.6858% | 3,873 |
| Total domestic deposits to total assets | 88.3994% | 1,576 |
| Equity capital to assets | 10.8351% | 3,076 |
| Core capital (leverage) ratio | 10.3612% | 2,941 |
| Tier 1 risk-based capital ratio | 14.6842% | 3,155 |
| Total risk-based capital ratio | 15.9430% | 3,088 |
| Memoranda: | ||
| Average total assets | $102,308,330 | 5,092 |
| Average earning assets | $87,848,330 | 5,272 |
| Average equity | $12,157,000 | 4,769 |
| Average total loans | $71,466,670 | 4,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6294% | 143 |
| Cost of funding earning assets | 3.6879% | 93 |
| Net interest margin | 3.9415% | 2,877 |
| Noninterest income to average assets | 0.0290% | 7,935 |
| Noninterest expense to average assets | 3.4923% | 2,122 |
| Loan and lease loss provision to assets | 1.8374% | 668 |
| Net operating income to assets | 1.7296% | 612 |
| Return on assets (ROA) | 1.7296% | 668 |
| Pretax return on assets | -2.0780% | 7,555 |
| Return on Equity (ROE) | 13.8343% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.8343% | 528 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3980% | 887 |
| Assets per employee ($millions) | 5.0856% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,405 |
| Loan loss allowance to noncurrent loans | 54.1802% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 5.1973% | 848 |
| Noncurrent loans to loans | 3.7001% | 1,689 |
| Net loans and leases to total assets | 75.7314% | 2,338 |
| Net loans and leases to deposits | 87.4455% | 3,393 |
| Net loans and leases to core deposits | 118.8054% | 2,524 |
| Total domestic deposits to total assets | 86.6042% | 2,403 |
| Equity capital to assets | 12.6962% | 1,892 |
| Core capital (leverage) ratio | 12.3647% | 1,740 |
| Tier 1 risk-based capital ratio | 14.5766% | 3,273 |
| Total risk-based capital ratio | 15.8350% | 3,194 |
| Memoranda: | ||
| Average total assets | $96,439,500 | 5,289 |
| Average earning assets | $78,852,500 | 5,593 |
| Average equity | $12,057,000 | 4,817 |
| Average total loans | $69,188,000 | 5,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6740% | 294 |
| Cost of funding earning assets | 3.9926% | 101 |
| Net interest margin | 3.6814% | 4,542 |
| Noninterest income to average assets | 0.0372% | 7,951 |
| Noninterest expense to average assets | 4.0576% | 1,334 |
| Loan and lease loss provision to assets | 0.7408% | 2,002 |
| Net operating income to assets | -1.4252% | 7,434 |
| Return on assets (ROA) | -0.8305% | 7,064 |
| Pretax return on assets | -0.8305% | 6,899 |
| Return on Equity (ROE) | -5.4150% | 6,903 |
| Retained earnings to average equity (ytd only) | -5.4150% | 6,571 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2888% | 571 |
| Assets per employee ($millions) | 5.3473% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 2,043 |
| Loan loss allowance to noncurrent loans | 13.7850% | 7,433 |
| Noncurrent assets plus other real estate owned to assets | 7.9437% | 295 |
| Noncurrent loans to loans | 12.0028% | 130 |
| Net loans and leases to total assets | 65.0875% | 5,042 |
| Net loans and leases to deposits | 75.0024% | 5,732 |
| Net loans and leases to core deposits | 100.8906% | 4,735 |
| Total domestic deposits to total assets | 86.7805% | 2,044 |
| Equity capital to assets | 12.3073% | 2,109 |
| Core capital (leverage) ratio | 12.6318% | 1,697 |
| Tier 1 risk-based capital ratio | 16.8490% | 2,363 |
| Total risk-based capital ratio | 18.1023% | 2,301 |
| Memoranda: | ||
| Average total assets | $78,026,400 | 5,767 |
| Average earning assets | $70,706,000 | 5,790 |
| Average equity | $11,966,800 | 4,834 |
| Average total loans | $53,271,400 | 5,565 |