Home > Northside Community Bank > Performance and Condition Ratios
Northside Community 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 | 4.9783% | 2,115 |
| Cost of funding earning assets | 1.7148% | 1,419 |
| Net interest margin | 3.2636% | 2,724 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1366% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6834% | 3,234 |
| Return on assets (ROA) | 0.6834% | 3,211 |
| Pretax return on assets | 0.9079% | 2,943 |
| Return on Equity (ROE) | 3.3900% | 3,968 |
| Retained earnings to average equity (ytd only) | -2.3404% | 4,291 |
| Net charge-offs to loans | -0.0030% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.1783% | 1,852 |
| Assets per employee ($millions) | 7.9832% | 1,447 |
| Cash dividends to net income (ytd only)* | 169.0141% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,714 |
| Loan loss allowance to noncurrent loans | 1,276.3819% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,025 |
| Noncurrent loans to loans | 0.1027% | 3,028 |
| Net loans and leases to total assets | 74.8300% | 1,262 |
| Net loans and leases to deposits | 97.7396% | 665 |
| Net loans and leases to core deposits | 100.9713% | 1,375 |
| Total domestic deposits to total assets | 76.5600% | 3,888 |
| Equity capital to assets | 20.0919% | 281 |
| Core capital (leverage) ratio | 19.1614% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8697% | 488 |
| Memoranda: | ||
| Average total assets | $259,712,000 | 2,624 |
| Average earning assets | $226,561,800 | 2,707 |
| Average equity | $52,342,400 | 1,546 |
| Average total loans | $197,882,000 | 2,296 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 2,121 |
| Cost of funding earning assets | 1.5256% | 1,541 |
| Net interest margin | 3.3454% | 2,583 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1407% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7204% | 3,256 |
| Return on assets (ROA) | 0.7204% | 3,243 |
| Pretax return on assets | 0.9796% | 2,911 |
| Return on Equity (ROE) | 3.5700% | 4,034 |
| Retained earnings to average equity (ytd only) | -4.0331% | 4,401 |
| Net charge-offs to loans | -0.0040% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.6056% | 1,950 |
| Assets per employee ($millions) | 8.6144% | 1,077 |
| Cash dividends to net income (ytd only)* | 212.9170% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 1,921 |
| Loan loss allowance to noncurrent loans | 1,276.3819% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,102 |
| Noncurrent loans to loans | 0.1009% | 3,072 |
| Net loans and leases to total assets | 72.9000% | 1,480 |
| Net loans and leases to deposits | 93.7319% | 917 |
| Net loans and leases to core deposits | 96.4407% | 1,533 |
| Total domestic deposits to total assets | 77.7800% | 3,844 |
| Equity capital to assets | 19.0829% | 311 |
| Core capital (leverage) ratio | 18.6603% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9809% | 491 |
| Memoranda: | ||
| Average total assets | $260,774,750 | 2,623 |
| Average earning assets | $228,010,000 | 2,702 |
| Average equity | $52,596,250 | 1,532 |
| Average total loans | $198,925,500 | 2,295 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 18,959.0000% | 23 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 110,689.0000% | 13 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.8628% | 2,881 |
| Pretax return on assets | 1.1690% | 2,449 |
| Return on Equity (ROE) | 4.2000% | 4,003 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0344% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.7286% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 464 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 1,098.0000% | 15 |
| Equity capital to assets | 47,264.0000% | 13 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $6,340,000 | 4,626 |
| Average earning assets | $8,977 | 4,612 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 1,378 |
| Cost of funding earning assets | 0.7699% | 2,839 |
| Net interest margin | 4.1497% | 1,028 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.3913% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0357% | 2,418 |
| Return on assets (ROA) | 1.0357% | 2,383 |
| Pretax return on assets | 1.4158% | 1,849 |
| Return on Equity (ROE) | 4.9500% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.9472% | 3,030 |
| Net charge-offs to loans | -0.0099% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8120% | 2,595 |
| Assets per employee ($millions) | 7.5392% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,225 |
| 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 | 79.7600% | 563 |
| Net loans and leases to deposits | 106.4143% | 240 |
| Net loans and leases to core deposits | 109.0674% | 732 |
| Total domestic deposits to total assets | 74.9500% | 4,227 |
| Equity capital to assets | 21.3851% | 204 |
| Core capital (leverage) ratio | 20.0504% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3042% | 486 |
| Memoranda: | ||
| Average total assets | $252,579,500 | 2,715 |
| Average earning assets | $219,775,500 | 2,799 |
| Average equity | $52,878,500 | 1,540 |
| Average total loans | $202,007,000 | 2,293 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 2,359 |
| Cost of funding earning assets | 0.1840% | 3,879 |
| Net interest margin | 3.5828% | 1,691 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.3325% | 2,639 |
| Loan and lease loss provision to assets | -0.1700% | 4,611 |
| Net operating income to assets | 0.8847% | 3,025 |
| Return on assets (ROA) | 0.8605% | 3,043 |
| Pretax return on assets | 1.1661% | 2,543 |
| Return on Equity (ROE) | 4.9400% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.9392% | 3,077 |
| Net charge-offs to loans | -0.0069% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.4388% | 1,762 |
| Assets per employee ($millions) | 8.0114% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,165 |
| 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 | 78.2100% | 776 |
| Net loans and leases to deposits | 102.8747% | 340 |
| Net loans and leases to core deposits | 104.3867% | 810 |
| Total domestic deposits to total assets | 76.0300% | 4,250 |
| Equity capital to assets | 20.4990% | 215 |
| Core capital (leverage) ratio | 18.7223% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7944% | 491 |
| Memoranda: | ||
| Average total assets | $293,896,400 | 2,481 |
| Average earning assets | $260,887,400 | 2,546 |
| Average equity | $51,202,800 | 1,588 |
| Average total loans | $201,831,800 | 2,215 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 2,663 |
| Cost of funding earning assets | 0.1244% | 4,088 |
| Net interest margin | 3.3610% | 2,101 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.3085% | 2,606 |
| Loan and lease loss provision to assets | -0.2200% | 4,686 |
| Net operating income to assets | 0.7835% | 3,318 |
| Return on assets (ROA) | 0.7522% | 3,364 |
| Pretax return on assets | 1.0380% | 2,906 |
| Return on Equity (ROE) | 4.4800% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.4849% | 3,293 |
| Net charge-offs to loans | -0.0073% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.9103% | 1,390 |
| Assets per employee ($millions) | 9.2129% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,239 |
| 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 | 69.7300% | 1,498 |
| Net loans and leases to deposits | 88.7632% | 977 |
| Net loans and leases to core deposits | 89.9991% | 1,296 |
| Total domestic deposits to total assets | 78.5600% | 4,214 |
| Equity capital to assets | 18.1141% | 266 |
| Core capital (leverage) ratio | 17.7667% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4498% | 526 |
| Memoranda: | ||
| Average total assets | $303,279,500 | 2,450 |
| Average earning assets | $270,192,500 | 2,515 |
| Average equity | $50,865,500 | 1,626 |
| Average total loans | $201,529,500 | 2,215 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 2,734 |
| Cost of funding earning assets | 0.0891% | 4,299 |
| Net interest margin | 3.2133% | 2,143 |
| Noninterest income to average assets | 0.1630% | 4,193 |
| Noninterest expense to average assets | 2.3172% | 2,499 |
| Loan and lease loss provision to assets | -0.3234% | 4,729 |
| Net operating income to assets | 0.7627% | 3,103 |
| Return on assets (ROA) | 0.7168% | 3,205 |
| Pretax return on assets | 0.9820% | 2,790 |
| Return on Equity (ROE) | 4.3815% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.3815% | 2,934 |
| Net charge-offs to loans | -0.0069% | 3,453 |
| Credit loss provision to net charge-offs | 7,142.8571% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3753% | 1,239 |
| Assets per employee ($millions) | 8.8053% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,465 |
| 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 | 69.2145% | 1,377 |
| Net loans and leases to deposits | 87.4241% | 882 |
| Net loans and leases to core deposits | 88.2217% | 1,212 |
| Total domestic deposits to total assets | 79.1710% | 4,287 |
| Equity capital to assets | 17.5965% | 245 |
| Core capital (leverage) ratio | 16.4968% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9369% | 540 |
| Memoranda: | ||
| Average total assets | $309,172,667 | 2,439 |
| Average earning assets | $276,225,333 | 2,501 |
| Average equity | $50,576,000 | 1,666 |
| Average total loans | $201,479,000 | 2,224 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1224% | 2,903 |
| Cost of funding earning assets | 0.0895% | 4,258 |
| Net interest margin | 3.0329% | 2,391 |
| Noninterest income to average assets | 0.1595% | 4,198 |
| Noninterest expense to average assets | 2.4982% | 1,885 |
| Loan and lease loss provision to assets | -0.6280% | 4,773 |
| Net operating income to assets | 0.7446% | 2,874 |
| Return on assets (ROA) | 0.6921% | 3,078 |
| Pretax return on assets | 0.9483% | 2,604 |
| Return on Equity (ROE) | 4.3818% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.3818% | 2,807 |
| Net charge-offs to loans | -0.0080% | 3,501 |
| Credit loss provision to net charge-offs | 12,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5912% | 700 |
| Assets per employee ($millions) | 9.4395% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.6288% | 1,782 |
| Net loans and leases to deposits | 79.0533% | 1,208 |
| Net loans and leases to core deposits | 79.9074% | 1,489 |
| Total domestic deposits to total assets | 79.2236% | 4,338 |
| Equity capital to assets | 16.2355% | 301 |
| Core capital (leverage) ratio | 15.8247% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0462% | 558 |
| Memoranda: | ||
| Average total assets | $318,471,500 | 2,406 |
| Average earning assets | $286,193,000 | 2,469 |
| Average equity | $50,298,500 | 1,737 |
| Average total loans | $200,395,000 | 2,227 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 2,816 |
| Cost of funding earning assets | 0.2396% | 3,047 |
| Net interest margin | 3.2062% | 2,583 |
| Noninterest income to average assets | 0.1736% | 4,288 |
| Noninterest expense to average assets | 2.0545% | 3,519 |
| Loan and lease loss provision to assets | -0.1266% | 4,593 |
| Net operating income to assets | 0.8044% | 3,321 |
| Return on assets (ROA) | 0.7956% | 3,414 |
| Pretax return on assets | 1.1080% | 2,940 |
| Return on Equity (ROE) | 4.1268% | 4,192 |
| Retained earnings to average equity (ytd only) | -14.4087% | 4,796 |
| Net charge-offs to loans | -0.0404% | 4,227 |
| Credit loss provision to net charge-offs | 462.9630% | 834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4277% | 2,065 |
| Assets per employee ($millions) | 9.5718% | 769 |
| Cash dividends to net income (ytd only)* | 449.1511% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.5030% | 1,999 |
| Net loans and leases to deposits | 76.4678% | 1,532 |
| Net loans and leases to core deposits | 78.1991% | 1,741 |
| Total domestic deposits to total assets | 80.4299% | 4,174 |
| Equity capital to assets | 15.3708% | 450 |
| Core capital (leverage) ratio | 15.5490% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0974% | 549 |
| Memoranda: | ||
| Average total assets | $296,132,000 | 2,448 |
| Average earning assets | $265,389,000 | 2,519 |
| Average equity | $57,090,600 | 1,580 |
| Average total loans | $200,591,400 | 2,230 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 2,643 |
| Cost of funding earning assets | 0.2886% | 2,701 |
| Net interest margin | 3.2781% | 2,481 |
| Noninterest income to average assets | 0.1750% | 4,331 |
| Noninterest expense to average assets | 2.0830% | 3,413 |
| Loan and lease loss provision to assets | -0.1731% | 4,716 |
| Net operating income to assets | 0.8556% | 3,372 |
| Return on assets (ROA) | 0.8476% | 3,453 |
| Pretax return on assets | 1.1865% | 2,976 |
| Return on Equity (ROE) | 4.1591% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.8339% | 3,954 |
| Net charge-offs to loans | -0.0513% | 4,370 |
| Credit loss provision to net charge-offs | 487.0130% | 768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0531% | 1,966 |
| Assets per employee ($millions) | 8.3312% | 1,118 |
| Cash dividends to net income (ytd only)* | 31.8627% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.3732% | 1,500 |
| Net loans and leases to deposits | 87.9651% | 717 |
| Net loans and leases to core deposits | 91.0352% | 979 |
| Total domestic deposits to total assets | 75.4541% | 4,575 |
| Equity capital to assets | 20.4052% | 178 |
| Core capital (leverage) ratio | 19.8239% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2326% | 364 |
| Memoranda: | ||
| Average total assets | $288,804,750 | 2,507 |
| Average earning assets | $258,272,750 | 2,579 |
| Average equity | $58,857,500 | 1,556 |
| Average total loans | $199,945,250 | 2,273 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 2,575 |
| Cost of funding earning assets | 0.3488% | 2,327 |
| Net interest margin | 3.2661% | 2,561 |
| Noninterest income to average assets | 0.1813% | 4,295 |
| Noninterest expense to average assets | 2.1016% | 3,383 |
| Loan and lease loss provision to assets | -0.2605% | 4,816 |
| Net operating income to assets | 0.8937% | 3,240 |
| Return on assets (ROA) | 0.8844% | 3,342 |
| Pretax return on assets | 1.2492% | 2,771 |
| Return on Equity (ROE) | 4.3415% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.3464% | 4,038 |
| Net charge-offs to loans | -0.0149% | 3,851 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7492% | 1,909 |
| Assets per employee ($millions) | 8.1331% | 1,148 |
| Cash dividends to net income (ytd only)* | 45.9544% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.5597% | 1,506 |
| Net loans and leases to deposits | 89.1063% | 706 |
| Net loans and leases to core deposits | 94.6767% | 872 |
| Total domestic deposits to total assets | 75.8192% | 4,570 |
| Equity capital to assets | 20.1294% | 180 |
| Core capital (leverage) ratio | 20.0123% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8755% | 343 |
| Memoranda: | ||
| Average total assets | $287,875,667 | 2,509 |
| Average earning assets | $257,428,667 | 2,574 |
| Average equity | $58,643,333 | 1,556 |
| Average total loans | $201,075,333 | 2,271 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 2,330 |
| Cost of funding earning assets | 0.3957% | 2,134 |
| Net interest margin | 3.3177% | 2,337 |
| Noninterest income to average assets | 0.1850% | 4,267 |
| Noninterest expense to average assets | 2.1596% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7131% | 3,678 |
| Return on assets (ROA) | 0.6909% | 3,798 |
| Pretax return on assets | 0.9586% | 3,478 |
| Return on Equity (ROE) | 3.3711% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.3711% | 3,672 |
| Net charge-offs to loans | -0.0139% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6414% | 1,856 |
| Assets per employee ($millions) | 8.0383% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.2457% | 1,255 |
| Net loans and leases to deposits | 92.5185% | 563 |
| Net loans and leases to core deposits | 100.0217% | 713 |
| Total domestic deposits to total assets | 75.9261% | 4,586 |
| Equity capital to assets | 20.2996% | 176 |
| Core capital (leverage) ratio | 20.2742% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4316% | 342 |
| Memoranda: | ||
| Average total assets | $285,418,500 | 2,513 |
| Average earning assets | $254,753,000 | 2,576 |
| Average equity | $58,496,500 | 1,548 |
| Average total loans | $201,232,000 | 2,278 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 2,204 |
| Cost of funding earning assets | 0.6021% | 2,289 |
| Net interest margin | 3.5770% | 2,227 |
| Noninterest income to average assets | 0.2235% | 4,158 |
| Noninterest expense to average assets | 2.2635% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8217% | 3,011 |
| Return on assets (ROA) | 0.8287% | 3,110 |
| Pretax return on assets | 1.1318% | 2,577 |
| Return on Equity (ROE) | 3.8795% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.5741% | 3,559 |
| Net charge-offs to loans | -0.0143% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8423% | 2,381 |
| Assets per employee ($millions) | 7.6069% | 1,220 |
| Cash dividends to net income (ytd only)* | 33.6474% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 1,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.4126% | 1,775 |
| Net loans and leases to deposits | 90.6844% | 873 |
| Net loans and leases to core deposits | 98.8039% | 967 |
| Total domestic deposits to total assets | 75.4403% | 4,544 |
| Equity capital to assets | 20.6959% | 172 |
| Core capital (leverage) ratio | 20.3415% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3809% | 309 |
| Memoranda: | ||
| Average total assets | $268,961,000 | 2,468 |
| Average earning assets | $237,827,400 | 2,539 |
| Average equity | $57,456,000 | 1,493 |
| Average total loans | $202,260,000 | 2,216 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 2,215 |
| Cost of funding earning assets | 0.6459% | 2,344 |
| Net interest margin | 3.6165% | 2,220 |
| Noninterest income to average assets | 0.2212% | 4,169 |
| Noninterest expense to average assets | 2.2630% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8284% | 2,985 |
| Return on assets (ROA) | 0.8391% | 3,076 |
| Pretax return on assets | 1.1646% | 2,508 |
| Return on Equity (ROE) | 3.8958% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.1493% | 3,877 |
| Net charge-offs to loans | -0.0144% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2847% | 2,437 |
| Assets per employee ($millions) | 7.1283% | 1,412 |
| Cash dividends to net income (ytd only)* | 44.8296% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.0059% | 1,501 |
| Net loans and leases to deposits | 96.7361% | 708 |
| Net loans and leases to core deposits | 106.6269% | 826 |
| Total domestic deposits to total assets | 75.4691% | 4,470 |
| Equity capital to assets | 20.7525% | 186 |
| Core capital (leverage) ratio | 19.8661% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6947% | 316 |
| Memoranda: | ||
| Average total assets | $265,837,000 | 2,465 |
| Average earning assets | $234,693,250 | 2,547 |
| Average equity | $57,257,500 | 1,491 |
| Average total loans | $203,858,500 | 2,204 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,860 |
| Cost of funding earning assets | 0.6842% | 2,479 |
| Net interest margin | 3.8351% | 1,728 |
| Noninterest income to average assets | 0.2139% | 4,207 |
| Noninterest expense to average assets | 2.2882% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9280% | 2,592 |
| Return on assets (ROA) | 0.9443% | 2,650 |
| Pretax return on assets | 1.3210% | 1,961 |
| Return on Equity (ROE) | 4.3283% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.7019% | 3,873 |
| Net charge-offs to loans | -0.0148% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7641% | 2,852 |
| Assets per employee ($millions) | 8.1295% | 923 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.7528% | 1,761 |
| Net loans and leases to deposits | 93.5002% | 1,006 |
| Net loans and leases to core deposits | 103.6915% | 1,022 |
| Total domestic deposits to total assets | 76.7408% | 4,351 |
| Equity capital to assets | 19.5641% | 227 |
| Core capital (leverage) ratio | 20.2555% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3994% | 384 |
| Memoranda: | ||
| Average total assets | $261,781,000 | 2,469 |
| Average earning assets | $230,349,000 | 2,551 |
| Average equity | $57,112,333 | 1,485 |
| Average total loans | $203,055,667 | 2,198 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 2,039 |
| Cost of funding earning assets | 0.7355% | 2,752 |
| Net interest margin | 3.8500% | 1,824 |
| Noninterest income to average assets | 0.2030% | 4,337 |
| Noninterest expense to average assets | 2.3983% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8521% | 2,702 |
| Return on assets (ROA) | 0.8752% | 2,701 |
| Pretax return on assets | 1.2081% | 2,165 |
| Return on Equity (ROE) | 3.7798% | 4,014 |
| Retained earnings to average equity (ytd only) | 3.7798% | 2,772 |
| Net charge-offs to loans | -0.0162% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0449% | 2,810 |
| Assets per employee ($millions) | 6.2280% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.8610% | 848 |
| Net loans and leases to deposits | 105.9987% | 297 |
| Net loans and leases to core deposits | 120.0735% | 463 |
| Total domestic deposits to total assets | 74.3981% | 4,631 |
| Equity capital to assets | 23.0048% | 149 |
| Core capital (leverage) ratio | 22.8538% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2217% | 429 |
| Memoranda: | ||
| Average total assets | $246,340,000 | 2,515 |
| Average earning assets | $215,894,500 | 2,606 |
| Average equity | $57,040,000 | 1,469 |
| Average total loans | $197,936,500 | 2,201 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 2,284 |
| Cost of funding earning assets | 0.6050% | 3,616 |
| Net interest margin | 4.1110% | 1,511 |
| Noninterest income to average assets | 0.2420% | 4,228 |
| Noninterest expense to average assets | 2.4149% | 3,644 |
| Loan and lease loss provision to assets | -2.1137% | 5,177 |
| Net operating income to assets | 2.4914% | 136 |
| Return on assets (ROA) | 2.5021% | 143 |
| Pretax return on assets | 3.5361% | 77 |
| Return on Equity (ROE) | 10.6859% | 2,011 |
| Retained earnings to average equity (ytd only) | 3.8541% | 3,044 |
| Net charge-offs to loans | -2.2990% | 5,141 |
| Credit loss provision to net charge-offs | 116.7017% | 2,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1556% | 3,199 |
| Assets per employee ($millions) | 6.0891% | 1,566 |
| Cash dividends to net income (ytd only)* | 63.9330% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.1741% | 904 |
| Net loans and leases to deposits | 107.1322% | 257 |
| Net loans and leases to core deposits | 122.0401% | 426 |
| Total domestic deposits to total assets | 73.9032% | 4,775 |
| Equity capital to assets | 23.3086% | 154 |
| Core capital (leverage) ratio | 22.5999% | 162 |
| Tier 1 risk-based capital ratio | 23.9665% | 831 |
| Total risk-based capital ratio | 25.2187% | 809 |
| Memoranda: | ||
| Average total assets | $236,364,800 | 2,537 |
| Average earning assets | $205,937,800 | 2,646 |
| Average equity | $55,343,800 | 1,466 |
| Average total loans | $186,213,600 | 2,266 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 2,343 |
| Cost of funding earning assets | 0.5493% | 3,929 |
| Net interest margin | 4.1759% | 1,430 |
| Noninterest income to average assets | 0.2353% | 4,330 |
| Noninterest expense to average assets | 2.4266% | 3,622 |
| Loan and lease loss provision to assets | -2.5130% | 5,256 |
| Net operating income to assets | 2.7970% | 107 |
| Return on assets (ROA) | 2.8136% | 108 |
| Pretax return on assets | 3.9766% | 64 |
| Return on Equity (ROE) | 12.0025% | 1,617 |
| Retained earnings to average equity (ytd only) | 2.8345% | 3,959 |
| Net charge-offs to loans | -3.1000% | 5,218 |
| Credit loss provision to net charge-offs | 103.4878% | 2,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7149% | 3,214 |
| Assets per employee ($millions) | 6.1753% | 1,474 |
| Cash dividends to net income (ytd only)* | 76.3838% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0156% | 455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.7311% | 1,182 |
| Net loans and leases to deposits | 104.6253% | 376 |
| Net loans and leases to core deposits | 118.3275% | 585 |
| Total domestic deposits to total assets | 74.2948% | 4,799 |
| Equity capital to assets | 23.1720% | 158 |
| Core capital (leverage) ratio | 22.9265% | 156 |
| Tier 1 risk-based capital ratio | 26.2109% | 693 |
| Total risk-based capital ratio | 27.4681% | 679 |
| Memoranda: | ||
| Average total assets | $234,565,500 | 2,574 |
| Average earning assets | $204,117,000 | 2,686 |
| Average equity | $54,987,000 | 1,474 |
| Average total loans | $183,736,250 | 2,306 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 2,415 |
| Cost of funding earning assets | 0.5091% | 4,077 |
| Net interest margin | 4.1749% | 1,422 |
| Noninterest income to average assets | 0.2357% | 4,345 |
| Noninterest expense to average assets | 2.4063% | 3,719 |
| Loan and lease loss provision to assets | -3.8034% | 5,303 |
| Net operating income to assets | 3.7071% | 60 |
| Return on assets (ROA) | 3.7269% | 64 |
| Pretax return on assets | 5.2909% | 46 |
| Return on Equity (ROE) | 15.8352% | 619 |
| Retained earnings to average equity (ytd only) | 2.0141% | 4,111 |
| Net charge-offs to loans | -4.6587% | 5,265 |
| Credit loss provision to net charge-offs | 104.6886% | 1,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1970% | 3,402 |
| Assets per employee ($millions) | 6.3903% | 1,289 |
| Cash dividends to net income (ytd only)* | 87.2807% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 496 |
| 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 | 79.7971% | 915 |
| Net loans and leases to deposits | 107.7005% | 281 |
| Net loans and leases to core deposits | 115.7013% | 696 |
| Total domestic deposits to total assets | 74.0916% | 4,828 |
| Equity capital to assets | 23.3416% | 155 |
| Core capital (leverage) ratio | 23.0004% | 151 |
| Tier 1 risk-based capital ratio | 24.0077% | 846 |
| Total risk-based capital ratio | 25.2631% | 826 |
| Memoranda: | ||
| Average total assets | $232,474,670 | 2,597 |
| Average earning assets | $202,302,670 | 2,715 |
| Average equity | $54,713,670 | 1,464 |
| Average total loans | $181,296,000 | 2,330 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 2,598 |
| Cost of funding earning assets | 0.4774% | 4,170 |
| Net interest margin | 4.1048% | 1,540 |
| Noninterest income to average assets | 0.2430% | 4,267 |
| Noninterest expense to average assets | 2.4955% | 3,527 |
| Loan and lease loss provision to assets | -7.0215% | 5,362 |
| Net operating income to assets | 5.9815% | 35 |
| Return on assets (ROA) | 5.9994% | 38 |
| Pretax return on assets | 8.3578% | 34 |
| Return on Equity (ROE) | 25.3837% | 96 |
| Retained earnings to average equity (ytd only) | -2.3790% | 4,776 |
| Net charge-offs to loans | -9.3224% | 5,325 |
| Credit loss provision to net charge-offs | 98.8034% | 1,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5125% | 3,008 |
| Assets per employee ($millions) | 6.5786% | 1,198 |
| Cash dividends to net income (ytd only)* | 109.3723% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3164% | 299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.0992% | 2,146 |
| Net loans and leases to deposits | 96.7411% | 909 |
| Net loans and leases to core deposits | 104.3168% | 1,293 |
| Total domestic deposits to total assets | 74.5279% | 4,889 |
| Equity capital to assets | 22.9339% | 151 |
| Core capital (leverage) ratio | 23.0083% | 150 |
| Tier 1 risk-based capital ratio | 25.0855% | 757 |
| Total risk-based capital ratio | 26.3437% | 738 |
| Memoranda: | ||
| Average total assets | $230,491,500 | 2,635 |
| Average earning assets | $200,252,000 | 2,759 |
| Average equity | $54,476,000 | 1,459 |
| Average total loans | $175,706,500 | 2,417 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 2,048 |
| Cost of funding earning assets | 0.3658% | 4,186 |
| Net interest margin | 4.2668% | 1,236 |
| Noninterest income to average assets | 0.2621% | 4,364 |
| Noninterest expense to average assets | 2.4367% | 3,780 |
| Loan and lease loss provision to assets | -0.2621% | 5,354 |
| Net operating income to assets | 1.2613% | 1,942 |
| Return on assets (ROA) | 1.2613% | 1,935 |
| Pretax return on assets | 1.7654% | 1,010 |
| Return on Equity (ROE) | 5.4011% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.5777% | 3,616 |
| Net charge-offs to loans | -0.2515% | 5,291 |
| Credit loss provision to net charge-offs | 129.8701% | 2,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8446% | 3,561 |
| Assets per employee ($millions) | 5.8988% | 1,594 |
| Cash dividends to net income (ytd only)* | 33.7604% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 295 |
| Loan loss allowance to noncurrent loans | 206.6116% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 1,617 |
| Noncurrent loans to loans | 1.0962% | 1,480 |
| Net loans and leases to total assets | 77.0061% | 1,438 |
| Net loans and leases to deposits | 105.8138% | 380 |
| Net loans and leases to core deposits | 113.2758% | 813 |
| Total domestic deposits to total assets | 72.7751% | 5,021 |
| Equity capital to assets | 24.3751% | 118 |
| Core capital (leverage) ratio | 23.2927% | 139 |
| Tier 1 risk-based capital ratio | 24.3438% | 792 |
| Total risk-based capital ratio | 25.6013% | 772 |
| Memoranda: | ||
| Average total assets | $228,961,200 | 2,620 |
| Average earning assets | $197,362,000 | 2,742 |
| Average equity | $53,470,400 | 1,433 |
| Average total loans | $183,728,800 | 2,306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,228 |
| Cost of funding earning assets | 0.3346% | 4,280 |
| Net interest margin | 4.1856% | 1,394 |
| Noninterest income to average assets | 0.2589% | 4,424 |
| Noninterest expense to average assets | 2.3670% | 3,935 |
| Loan and lease loss provision to assets | -0.2317% | 5,417 |
| Net operating income to assets | 1.2333% | 2,111 |
| Return on assets (ROA) | 1.2333% | 2,113 |
| Pretax return on assets | 1.7321% | 1,200 |
| Return on Equity (ROE) | 5.3379% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.8933% | 4,274 |
| Net charge-offs to loans | -0.2609% | 5,341 |
| Credit loss provision to net charge-offs | 110.1928% | 2,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2043% | 3,635 |
| Assets per employee ($millions) | 6.1172% | 1,407 |
| Cash dividends to net income (ytd only)* | 45.7962% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2973% | 305 |
| Loan loss allowance to noncurrent loans | 172.3834% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 1,337 |
| Noncurrent loans to loans | 1.3327% | 1,252 |
| Net loans and leases to total assets | 79.1988% | 1,133 |
| Net loans and leases to deposits | 108.7792% | 327 |
| Net loans and leases to core deposits | 115.3727% | 742 |
| Total domestic deposits to total assets | 72.8069% | 5,071 |
| Equity capital to assets | 24.4635% | 120 |
| Core capital (leverage) ratio | 22.7206% | 147 |
| Tier 1 risk-based capital ratio | 23.7414% | 866 |
| Total risk-based capital ratio | 24.9995% | 848 |
| Memoranda: | ||
| Average total assets | $230,162,750 | 2,624 |
| Average earning assets | $198,420,250 | 2,750 |
| Average equity | $53,178,500 | 1,449 |
| Average total loans | $185,507,750 | 2,299 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 2,256 |
| Cost of funding earning assets | 0.3148% | 4,316 |
| Net interest margin | 4.1357% | 1,459 |
| Noninterest income to average assets | 0.2544% | 4,486 |
| Noninterest expense to average assets | 2.3951% | 3,909 |
| Loan and lease loss provision to assets | -0.3426% | 5,502 |
| Net operating income to assets | 1.2584% | 1,948 |
| Return on assets (ROA) | 1.2584% | 1,947 |
| Pretax return on assets | 1.7698% | 1,035 |
| Return on Equity (ROE) | 5.5489% | 4,389 |
| Retained earnings to average equity (ytd only) | 1.8660% | 4,496 |
| Net charge-offs to loans | -0.3269% | 5,396 |
| Credit loss provision to net charge-offs | 130.2932% | 1,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6625% | 3,538 |
| Assets per employee ($millions) | 6.5603% | 1,151 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2024% | 370 |
| Loan loss allowance to noncurrent loans | 157.1484% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 1,086 |
| Noncurrent loans to loans | 1.4015% | 1,205 |
| Net loans and leases to total assets | 78.2261% | 1,274 |
| Net loans and leases to deposits | 105.4407% | 463 |
| Net loans and leases to core deposits | 109.6591% | 1,023 |
| Total domestic deposits to total assets | 74.1897% | 5,024 |
| Equity capital to assets | 23.1771% | 140 |
| Core capital (leverage) ratio | 22.0117% | 165 |
| Tier 1 risk-based capital ratio | 23.1746% | 916 |
| Total risk-based capital ratio | 24.4319% | 898 |
| Memoranda: | ||
| Average total assets | $233,477,670 | 2,606 |
| Average earning assets | $201,417,000 | 2,742 |
| Average equity | $52,947,000 | 1,460 |
| Average total loans | $187,840,000 | 2,281 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,399 |
| Cost of funding earning assets | 0.3127% | 4,248 |
| Net interest margin | 4.0224% | 1,650 |
| Noninterest income to average assets | 0.2379% | 4,579 |
| Noninterest expense to average assets | 2.4587% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9022% | 3,277 |
| Return on assets (ROA) | 0.9022% | 3,283 |
| Pretax return on assets | 1.2540% | 2,539 |
| Return on Equity (ROE) | 4.0218% | 4,758 |
| Retained earnings to average equity (ytd only) | 1.1815% | 4,578 |
| Net charge-offs to loans | -0.1137% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2243% | 3,120 |
| Assets per employee ($millions) | 6.2047% | 1,363 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1847% | 401 |
| Loan loss allowance to noncurrent loans | 151.2811% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 981 |
| Noncurrent loans to loans | 1.4441% | 1,228 |
| Net loans and leases to total assets | 79.6041% | 996 |
| Net loans and leases to deposits | 106.2142% | 375 |
| Net loans and leases to core deposits | 114.5060% | 780 |
| Total domestic deposits to total assets | 74.9468% | 5,070 |
| Equity capital to assets | 22.4300% | 148 |
| Core capital (leverage) ratio | 21.3240% | 174 |
| Tier 1 risk-based capital ratio | 22.2329% | 1,021 |
| Total risk-based capital ratio | 23.4905% | 1,002 |
| Memoranda: | ||
| Average total assets | $235,411,500 | 2,623 |
| Average earning assets | $203,360,500 | 2,758 |
| Average equity | $52,812,000 | 1,467 |
| Average total loans | $189,930,000 | 2,277 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,201 |
| Cost of funding earning assets | 0.1850% | 5,060 |
| Net interest margin | 4.1581% | 1,282 |
| Noninterest income to average assets | 0.3148% | 4,210 |
| Noninterest expense to average assets | 2.6155% | 3,394 |
| Loan and lease loss provision to assets | -0.0635% | 5,421 |
| Net operating income to assets | 0.4567% | 4,505 |
| Return on assets (ROA) | 0.4567% | 4,539 |
| Pretax return on assets | 1.3043% | 2,328 |
| Return on Equity (ROE) | 2.0535% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.1010% | 4,591 |
| Net charge-offs to loans | -0.1679% | 5,488 |
| Credit loss provision to net charge-offs | 48.2315% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8238% | 2,927 |
| Assets per employee ($millions) | 6.3526% | 1,283 |
| Cash dividends to net income (ytd only)* | 46.3822% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 370 |
| Loan loss allowance to noncurrent loans | 139.5145% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 879 |
| Noncurrent loans to loans | 1.5778% | 1,065 |
| Net loans and leases to total assets | 78.2152% | 1,260 |
| Net loans and leases to deposits | 104.5502% | 467 |
| Net loans and leases to core deposits | 111.7181% | 914 |
| Total domestic deposits to total assets | 74.8112% | 5,107 |
| Equity capital to assets | 22.4378% | 141 |
| Core capital (leverage) ratio | 21.1359% | 169 |
| Tier 1 risk-based capital ratio | 22.0834% | 1,009 |
| Total risk-based capital ratio | 23.3445% | 986 |
| Memoranda: | ||
| Average total assets | $236,058,200 | 2,598 |
| Average earning assets | $201,051,200 | 2,760 |
| Average equity | $52,495,600 | 1,466 |
| Average total loans | $185,176,600 | 2,278 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,277 |
| Cost of funding earning assets | 0.1675% | 5,212 |
| Net interest margin | 4.1271% | 1,321 |
| Noninterest income to average assets | 0.3560% | 3,986 |
| Noninterest expense to average assets | 2.7156% | 3,010 |
| Loan and lease loss provision to assets | -0.0846% | 5,569 |
| Net operating income to assets | 0.7510% | 3,733 |
| Return on assets (ROA) | 0.7510% | 3,794 |
| Pretax return on assets | 1.2289% | 2,790 |
| Return on Equity (ROE) | 3.3844% | 5,016 |
| Retained earnings to average equity (ytd only) | 2.1130% | 4,594 |
| Net charge-offs to loans | -0.1597% | 5,489 |
| Credit loss provision to net charge-offs | 67.8733% | 2,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3552% | 2,481 |
| Assets per employee ($millions) | 6.2702% | 1,325 |
| Cash dividends to net income (ytd only)* | 37.5658% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 461 |
| Loan loss allowance to noncurrent loans | 127.9798% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 609 |
| Noncurrent loans to loans | 1.6605% | 1,098 |
| Net loans and leases to total assets | 80.3609% | 930 |
| Net loans and leases to deposits | 108.0101% | 340 |
| Net loans and leases to core deposits | 114.5221% | 806 |
| Total domestic deposits to total assets | 74.4013% | 5,197 |
| Equity capital to assets | 22.8457% | 133 |
| Core capital (leverage) ratio | 21.3004% | 166 |
| Tier 1 risk-based capital ratio | 22.1790% | 1,028 |
| Total risk-based capital ratio | 23.4387% | 1,006 |
| Memoranda: | ||
| Average total assets | $236,311,500 | 2,615 |
| Average earning assets | $200,617,750 | 2,787 |
| Average equity | $52,434,750 | 1,480 |
| Average total loans | $184,476,000 | 2,294 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 2,387 |
| Cost of funding earning assets | 0.1567% | 5,293 |
| Net interest margin | 4.0662% | 1,412 |
| Noninterest income to average assets | 0.4088% | 3,633 |
| Noninterest expense to average assets | 2.8223% | 2,674 |
| Loan and lease loss provision to assets | -0.1262% | 5,665 |
| Net operating income to assets | 0.7108% | 3,796 |
| Return on assets (ROA) | 0.7108% | 3,865 |
| Pretax return on assets | 1.1617% | 2,921 |
| Return on Equity (ROE) | 3.2347% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.3207% | 4,723 |
| Net charge-offs to loans | -0.1677% | 5,549 |
| Credit loss provision to net charge-offs | 98.0392% | 2,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1574% | 2,160 |
| Assets per employee ($millions) | 6.4767% | 1,171 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 472 |
| Loan loss allowance to noncurrent loans | 115.7313% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 2.1207% | 580 |
| Noncurrent loans to loans | 1.8505% | 954 |
| Net loans and leases to total assets | 75.8882% | 1,558 |
| Net loans and leases to deposits | 100.5135% | 699 |
| Net loans and leases to core deposits | 106.6091% | 1,184 |
| Total domestic deposits to total assets | 75.5005% | 5,147 |
| Equity capital to assets | 21.9139% | 150 |
| Core capital (leverage) ratio | 20.9347% | 173 |
| Tier 1 risk-based capital ratio | 22.2758% | 1,021 |
| Total risk-based capital ratio | 23.5361% | 999 |
| Memoranda: | ||
| Average total assets | $237,750,000 | 2,615 |
| Average earning assets | $201,661,000 | 2,791 |
| Average equity | $52,246,000 | 1,488 |
| Average total loans | $182,474,000 | 2,320 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 2,590 |
| Cost of funding earning assets | 0.1479% | 5,392 |
| Net interest margin | 3.9680% | 1,555 |
| Noninterest income to average assets | 0.2348% | 4,863 |
| Noninterest expense to average assets | 2.5202% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6638% | 3,861 |
| Return on assets (ROA) | 0.6638% | 3,901 |
| Pretax return on assets | 1.0675% | 3,100 |
| Return on Equity (ROE) | 3.0166% | 5,094 |
| Retained earnings to average equity (ytd only) | -0.8213% | 5,040 |
| Net charge-offs to loans | -0.1217% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2448% | 2,845 |
| Assets per employee ($millions) | 6.1929% | 1,375 |
| Cash dividends to net income (ytd only)* | 127.2265% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2173% | 463 |
| Loan loss allowance to noncurrent loans | 110.7997% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 2.8318% | 368 |
| Noncurrent loans to loans | 2.0011% | 890 |
| Net loans and leases to total assets | 75.5597% | 1,489 |
| Net loans and leases to deposits | 100.2639% | 598 |
| Net loans and leases to core deposits | 105.1824% | 1,152 |
| Total domestic deposits to total assets | 75.3609% | 5,303 |
| Equity capital to assets | 22.1218% | 144 |
| Core capital (leverage) ratio | 20.8282% | 172 |
| Tier 1 risk-based capital ratio | 22.2499% | 1,060 |
| Total risk-based capital ratio | 23.5134% | 1,037 |
| Memoranda: | ||
| Average total assets | $236,806,000 | 2,646 |
| Average earning assets | $200,101,500 | 2,829 |
| Average equity | $52,112,000 | 1,482 |
| Average total loans | $180,792,500 | 2,356 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 3,761 |
| Cost of funding earning assets | 0.1241% | 5,590 |
| Net interest margin | 3.7209% | 2,606 |
| Noninterest income to average assets | 0.3141% | 4,490 |
| Noninterest expense to average assets | 2.8554% | 2,830 |
| Loan and lease loss provision to assets | -0.2987% | 5,844 |
| Net operating income to assets | 0.5685% | 4,354 |
| Return on assets (ROA) | 0.5685% | 4,457 |
| Pretax return on assets | 0.8740% | 3,928 |
| Return on Equity (ROE) | 2.5175% | 5,286 |
| Retained earnings to average equity (ytd only) | -1.4424% | 5,487 |
| Net charge-offs to loans | -0.2098% | 5,752 |
| Credit loss provision to net charge-offs | 200.8671% | 1,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2290% | 1,080 |
| Assets per employee ($millions) | 6.4401% | 1,181 |
| Cash dividends to net income (ytd only)* | 157.2940% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2127% | 457 |
| Loan loss allowance to noncurrent loans | 105.7432% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.8479% | 378 |
| Noncurrent loans to loans | 2.0925% | 840 |
| Net loans and leases to total assets | 73.7619% | 1,883 |
| Net loans and leases to deposits | 97.7275% | 850 |
| Net loans and leases to core deposits | 102.3002% | 1,430 |
| Total domestic deposits to total assets | 75.4771% | 5,298 |
| Equity capital to assets | 21.8920% | 152 |
| Core capital (leverage) ratio | 21.2241% | 163 |
| Tier 1 risk-based capital ratio | 21.9843% | 1,084 |
| Total risk-based capital ratio | 23.2501% | 1,056 |
| Memoranda: | ||
| Average total assets | $232,713,000 | 2,633 |
| Average earning assets | $194,926,000 | 2,852 |
| Average equity | $52,551,600 | 1,462 |
| Average total loans | $164,945,000 | 2,463 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 3,833 |
| Cost of funding earning assets | 0.1242% | 5,655 |
| Net interest margin | 3.7058% | 2,699 |
| Noninterest income to average assets | 0.3401% | 4,346 |
| Noninterest expense to average assets | 2.8664% | 2,758 |
| Loan and lease loss provision to assets | -0.2795% | 5,901 |
| Net operating income to assets | 0.5360% | 4,549 |
| Return on assets (ROA) | 0.5360% | 4,654 |
| Pretax return on assets | 0.8479% | 4,161 |
| Return on Equity (ROE) | 2.3552% | 5,393 |
| Retained earnings to average equity (ytd only) | -2.9149% | 5,646 |
| Net charge-offs to loans | -0.1927% | 5,752 |
| Credit loss provision to net charge-offs | 208.1545% | 1,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4536% | 1,030 |
| Assets per employee ($millions) | 6.3660% | 1,199 |
| Cash dividends to net income (ytd only)* | 223.7635% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5534% | 317 |
| Loan loss allowance to noncurrent loans | 101.8500% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 3.0763% | 363 |
| Noncurrent loans to loans | 2.5071% | 700 |
| Net loans and leases to total assets | 67.8416% | 2,819 |
| Net loans and leases to deposits | 90.5336% | 1,689 |
| Net loans and leases to core deposits | 92.4357% | 2,335 |
| Total domestic deposits to total assets | 74.9353% | 5,345 |
| Equity capital to assets | 22.6002% | 147 |
| Core capital (leverage) ratio | 20.9269% | 170 |
| Tier 1 risk-based capital ratio | 24.3250% | 875 |
| Total risk-based capital ratio | 25.5955% | 859 |
| Memoranda: | ||
| Average total assets | $231,320,500 | 2,659 |
| Average earning assets | $193,168,750 | 2,879 |
| Average equity | $52,648,250 | 1,466 |
| Average total loans | $161,246,500 | 2,511 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,037 |
| Cost of funding earning assets | 0.1238% | 5,734 |
| Net interest margin | 3.6516% | 2,890 |
| Noninterest income to average assets | 0.3499% | 4,276 |
| Noninterest expense to average assets | 3.0030% | 2,331 |
| Loan and lease loss provision to assets | -0.4180% | 6,009 |
| Net operating income to assets | 0.5077% | 4,647 |
| Return on assets (ROA) | 0.5077% | 4,758 |
| Pretax return on assets | 0.8154% | 4,228 |
| Return on Equity (ROE) | 2.2255% | 5,457 |
| Retained earnings to average equity (ytd only) | -1.1033% | 5,448 |
| Net charge-offs to loans | -0.2954% | 5,882 |
| Credit loss provision to net charge-offs | 202.9289% | 1,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3143% | 699 |
| Assets per employee ($millions) | 6.3529% | 1,169 |
| Cash dividends to net income (ytd only)* | 149.5756% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4357% | 391 |
| Loan loss allowance to noncurrent loans | 95.3717% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 298 |
| Noncurrent loans to loans | 2.5539% | 672 |
| Net loans and leases to total assets | 69.5264% | 2,546 |
| Net loans and leases to deposits | 92.8979% | 1,407 |
| Net loans and leases to core deposits | 94.8002% | 2,082 |
| Total domestic deposits to total assets | 74.8417% | 5,431 |
| Equity capital to assets | 22.4010% | 148 |
| Core capital (leverage) ratio | 21.1469% | 156 |
| Tier 1 risk-based capital ratio | 23.8347% | 919 |
| Total risk-based capital ratio | 25.1041% | 897 |
| Memoranda: | ||
| Average total assets | $232,035,670 | 2,663 |
| Average earning assets | $193,832,330 | 2,883 |
| Average equity | $52,933,000 | 1,462 |
| Average total loans | $161,812,000 | 2,511 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,144 |
| Cost of funding earning assets | 0.1268% | 5,773 |
| Net interest margin | 3.6220% | 2,998 |
| Noninterest income to average assets | 0.2082% | 5,242 |
| Noninterest expense to average assets | 2.5490% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4633% | 4,765 |
| Return on assets (ROA) | 0.4633% | 4,853 |
| Pretax return on assets | 0.6837% | 4,574 |
| Return on Equity (ROE) | 2.0124% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.0124% | 4,453 |
| Net charge-offs to loans | -0.2013% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8513% | 1,774 |
| Assets per employee ($millions) | 6.0377% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7589% | 288 |
| Loan loss allowance to noncurrent loans | 86.5959% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 4.4065% | 206 |
| Noncurrent loans to loans | 3.1860% | 476 |
| Net loans and leases to total assets | 67.6863% | 2,695 |
| Net loans and leases to deposits | 90.9327% | 1,467 |
| Net loans and leases to core deposits | 92.7040% | 2,122 |
| Total domestic deposits to total assets | 74.4356% | 5,575 |
| Equity capital to assets | 23.1921% | 122 |
| Core capital (leverage) ratio | 21.4958% | 148 |
| Tier 1 risk-based capital ratio | 24.6000% | 856 |
| Total risk-based capital ratio | 25.8731% | 830 |
| Memoranda: | ||
| Average total assets | $230,525,500 | 2,689 |
| Average earning assets | $192,489,000 | 2,906 |
| Average equity | $53,072,000 | 1,448 |
| Average total loans | $158,965,000 | 2,541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 3,736 |
| Cost of funding earning assets | 0.1424% | 5,732 |
| Net interest margin | 3.7489% | 2,559 |
| Noninterest income to average assets | 0.2593% | 5,039 |
| Noninterest expense to average assets | 3.0949% | 2,253 |
| Loan and lease loss provision to assets | -0.4813% | 6,121 |
| Net operating income to assets | 0.5267% | 4,593 |
| Return on assets (ROA) | 0.5267% | 4,675 |
| Pretax return on assets | 0.7999% | 4,186 |
| Return on Equity (ROE) | 2.3950% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.3950% | 4,351 |
| Net charge-offs to loans | -0.6502% | 6,109 |
| Credit loss provision to net charge-offs | 111.3813% | 2,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6662% | 653 |
| Assets per employee ($millions) | 5.9389% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7340% | 307 |
| Loan loss allowance to noncurrent loans | 78.4833% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 4.5480% | 207 |
| Noncurrent loans to loans | 3.4835% | 406 |
| Net loans and leases to total assets | 66.4471% | 2,917 |
| Net loans and leases to deposits | 88.8950% | 1,761 |
| Net loans and leases to core deposits | 90.6005% | 2,355 |
| Total domestic deposits to total assets | 74.7478% | 5,578 |
| Equity capital to assets | 22.8539% | 123 |
| Core capital (leverage) ratio | 21.2077% | 153 |
| Tier 1 risk-based capital ratio | 25.2043% | 801 |
| Total risk-based capital ratio | 26.4823% | 784 |
| Memoranda: | ||
| Average total assets | $237,905,000 | 2,597 |
| Average earning assets | $200,164,800 | 2,776 |
| Average equity | $52,316,800 | 1,422 |
| Average total loans | $158,105,800 | 2,494 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,656 |
| Cost of funding earning assets | 0.1469% | 5,806 |
| Net interest margin | 3.7785% | 2,467 |
| Noninterest income to average assets | 0.2344% | 5,252 |
| Noninterest expense to average assets | 2.8272% | 3,081 |
| Loan and lease loss provision to assets | -0.1921% | 6,091 |
| Net operating income to assets | 0.5245% | 4,699 |
| Return on assets (ROA) | 0.5245% | 4,789 |
| Pretax return on assets | 0.7789% | 4,400 |
| Return on Equity (ROE) | 2.4078% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.4078% | 4,672 |
| Net charge-offs to loans | -0.8477% | 6,198 |
| Credit loss provision to net charge-offs | 34.3284% | 3,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8115% | 1,291 |
| Assets per employee ($millions) | 5.8814% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2159% | 198 |
| Loan loss allowance to noncurrent loans | 79.1867% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 5.1884% | 182 |
| Noncurrent loans to loans | 4.0611% | 313 |
| Net loans and leases to total assets | 65.2685% | 3,117 |
| Net loans and leases to deposits | 86.6274% | 2,080 |
| Net loans and leases to core deposits | 88.4982% | 2,611 |
| Total domestic deposits to total assets | 75.3439% | 5,592 |
| Equity capital to assets | 22.3714% | 143 |
| Core capital (leverage) ratio | 21.2110% | 167 |
| Tier 1 risk-based capital ratio | 25.1669% | 840 |
| Total risk-based capital ratio | 26.4509% | 819 |
| Memoranda: | ||
| Average total assets | $239,476,500 | 2,593 |
| Average earning assets | $201,522,000 | 2,784 |
| Average equity | $52,162,500 | 1,434 |
| Average total loans | $158,074,750 | 2,502 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,471 |
| Cost of funding earning assets | 0.1547% | 5,819 |
| Net interest margin | 3.7994% | 2,310 |
| Noninterest income to average assets | 0.2292% | 5,323 |
| Noninterest expense to average assets | 2.9500% | 2,720 |
| Loan and lease loss provision to assets | -0.2864% | 6,219 |
| Net operating income to assets | 0.5430% | 4,586 |
| Return on assets (ROA) | 0.5430% | 4,698 |
| Pretax return on assets | 0.7663% | 4,433 |
| Return on Equity (ROE) | 2.5151% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.5151% | 4,451 |
| Net charge-offs to loans | -0.4940% | 6,202 |
| Credit loss provision to net charge-offs | 88.4615% | 2,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0082% | 1,060 |
| Assets per employee ($millions) | 5.9985% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9053% | 297 |
| Loan loss allowance to noncurrent loans | 72.6993% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 5.1017% | 209 |
| Noncurrent loans to loans | 3.9963% | 388 |
| Net loans and leases to total assets | 64.1004% | 3,254 |
| Net loans and leases to deposits | 86.0837% | 2,044 |
| Net loans and leases to core deposits | 89.7693% | 2,373 |
| Total domestic deposits to total assets | 74.4628% | 5,754 |
| Equity capital to assets | 22.3719% | 142 |
| Core capital (leverage) ratio | 20.1456% | 195 |
| Tier 1 risk-based capital ratio | 24.7660% | 885 |
| Total risk-based capital ratio | 26.0474% | 871 |
| Memoranda: | ||
| Average total assets | $240,883,330 | 2,603 |
| Average earning assets | $202,927,670 | 2,787 |
| Average equity | $52,006,670 | 1,449 |
| Average total loans | $157,883,000 | 2,504 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,488 |
| Cost of funding earning assets | 0.1589% | 5,853 |
| Net interest margin | 3.7739% | 2,335 |
| Noninterest income to average assets | 0.3241% | 4,593 |
| Noninterest expense to average assets | 2.8123% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5009% | 4,681 |
| Return on assets (ROA) | 0.5009% | 4,802 |
| Pretax return on assets | 0.6990% | 4,592 |
| Return on Equity (ROE) | 2.3610% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.3610% | 4,510 |
| Net charge-offs to loans | -0.4135% | 6,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0932% | 1,889 |
| Assets per employee ($millions) | 6.3754% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1449% | 263 |
| Loan loss allowance to noncurrent loans | 60.1724% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 5.8073% | 184 |
| Noncurrent loans to loans | 5.2264% | 242 |
| Net loans and leases to total assets | 58.5788% | 3,865 |
| Net loans and leases to deposits | 77.4871% | 2,879 |
| Net loans and leases to core deposits | 79.6860% | 3,204 |
| Total domestic deposits to total assets | 75.5982% | 5,777 |
| Equity capital to assets | 21.4633% | 171 |
| Core capital (leverage) ratio | 20.0326% | 204 |
| Tier 1 risk-based capital ratio | 26.8078% | 727 |
| Total risk-based capital ratio | 28.0908% | 711 |
| Memoranda: | ||
| Average total assets | $244,354,500 | 2,603 |
| Average earning assets | $206,367,500 | 2,768 |
| Average equity | $51,841,500 | 1,461 |
| Average total loans | $159,602,500 | 2,495 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 3,228 |
| Cost of funding earning assets | 0.2045% | 5,707 |
| Net interest margin | 3.9198% | 2,158 |
| Noninterest income to average assets | 0.1399% | 6,001 |
| Noninterest expense to average assets | 2.7624% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3807% | 5,288 |
| Return on assets (ROA) | 0.3807% | 5,359 |
| Pretax return on assets | 0.6512% | 4,778 |
| Return on Equity (ROE) | 1.8196% | 5,813 |
| Retained earnings to average equity (ytd only) | -16.2786% | 6,394 |
| Net charge-offs to loans | 0.3225% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.0648% | 3,986 |
| Efficiency ratio | 80.9244% | 1,781 |
| Assets per employee ($millions) | 6.4854% | 1,059 |
| Cash dividends to net income (ytd only)* | 994.6237% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5724% | 501 |
| Loan loss allowance to noncurrent loans | 54.3231% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 6.0655% | 191 |
| Noncurrent loans to loans | 4.7353% | 334 |
| Net loans and leases to total assets | 68.2666% | 2,520 |
| Net loans and leases to deposits | 89.9674% | 1,521 |
| Net loans and leases to core deposits | 94.6258% | 1,856 |
| Total domestic deposits to total assets | 75.8793% | 5,746 |
| Equity capital to assets | 20.9723% | 191 |
| Core capital (leverage) ratio | 18.0032% | 289 |
| Tier 1 risk-based capital ratio | 22.2786% | 1,185 |
| Total risk-based capital ratio | 23.5415% | 1,161 |
| Memoranda: | ||
| Average total assets | $268,747,200 | 2,362 |
| Average earning assets | $224,448,800 | 2,581 |
| Average equity | $56,221,000 | 1,301 |
| Average total loans | $177,070,000 | 2,258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,286 |
| Cost of funding earning assets | 0.2171% | 5,694 |
| Net interest margin | 3.9048% | 2,217 |
| Noninterest income to average assets | 0.1123% | 6,199 |
| Noninterest expense to average assets | 2.8195% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2989% | 5,585 |
| Return on assets (ROA) | 0.2989% | 5,661 |
| Pretax return on assets | 0.5453% | 5,193 |
| Return on Equity (ROE) | 1.4297% | 5,963 |
| Retained earnings to average equity (ytd only) | -22.2236% | 6,506 |
| Net charge-offs to loans | -0.0247% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7932% | 1,416 |
| Assets per employee ($millions) | 6.5792% | 978 |
| Cash dividends to net income (ytd only)* | 1,654.4708% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9793% | 370 |
| Loan loss allowance to noncurrent loans | 60.7560% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 6.1959% | 216 |
| Noncurrent loans to loans | 4.9037% | 385 |
| Net loans and leases to total assets | 64.0538% | 3,164 |
| Net loans and leases to deposits | 83.4471% | 2,233 |
| Net loans and leases to core deposits | 88.3648% | 2,383 |
| Total domestic deposits to total assets | 76.7597% | 5,713 |
| Equity capital to assets | 19.9822% | 237 |
| Core capital (leverage) ratio | 16.8977% | 383 |
| Tier 1 risk-based capital ratio | 22.3571% | 1,210 |
| Total risk-based capital ratio | 23.6245% | 1,192 |
| Memoranda: | ||
| Average total assets | $274,323,000 | 2,342 |
| Average earning assets | $228,498,250 | 2,553 |
| Average equity | $57,355,000 | 1,279 |
| Average total loans | $178,167,250 | 2,257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 3,396 |
| Cost of funding earning assets | 0.2366% | 5,618 |
| Net interest margin | 3.8519% | 2,371 |
| Noninterest income to average assets | 0.0557% | 6,431 |
| Noninterest expense to average assets | 2.9019% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4889% | 4,852 |
| Return on assets (ROA) | 0.4889% | 4,925 |
| Pretax return on assets | 0.3497% | 5,676 |
| Return on Equity (ROE) | 2.3071% | 5,758 |
| Retained earnings to average equity (ytd only) | -15.5433% | 6,504 |
| Net charge-offs to loans | 0.1082% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,003 |
| Efficiency ratio | 89.2450% | 969 |
| Assets per employee ($millions) | 7.3125% | 694 |
| Cash dividends to net income (ytd only)* | 773.7226% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7580% | 493 |
| Loan loss allowance to noncurrent loans | 80.4319% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 5.5765% | 300 |
| Noncurrent loans to loans | 3.4289% | 785 |
| Net loans and leases to total assets | 64.0635% | 3,064 |
| Net loans and leases to deposits | 86.4943% | 1,772 |
| Net loans and leases to core deposits | 91.1703% | 2,012 |
| Total domestic deposits to total assets | 74.0667% | 6,106 |
| Equity capital to assets | 20.7782% | 185 |
| Core capital (leverage) ratio | 17.7207% | 310 |
| Tier 1 risk-based capital ratio | 23.6408% | 1,027 |
| Total risk-based capital ratio | 24.9061% | 1,005 |
| Memoranda: | ||
| Average total assets | $280,234,330 | 2,288 |
| Average earning assets | $232,506,330 | 2,523 |
| Average equity | $59,382,670 | 1,232 |
| Average total loans | $181,089,000 | 2,220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,468 |
| Cost of funding earning assets | 0.2380% | 5,691 |
| Net interest margin | 3.8137% | 2,412 |
| Noninterest income to average assets | 0.4153% | 4,064 |
| Noninterest expense to average assets | 2.7979% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3957% | 5,135 |
| Return on assets (ROA) | 0.3957% | 5,205 |
| Pretax return on assets | 0.7647% | 4,251 |
| Return on Equity (ROE) | 1.8502% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.8502% | 4,856 |
| Net charge-offs to loans | -0.3266% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5349% | 2,406 |
| Assets per employee ($millions) | 7.1793% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9134% | 475 |
| Loan loss allowance to noncurrent loans | 58.2140% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 8.8006% | 137 |
| Noncurrent loans to loans | 5.0046% | 447 |
| Net loans and leases to total assets | 61.4500% | 3,320 |
| Net loans and leases to deposits | 84.0629% | 1,813 |
| Net loans and leases to core deposits | 89.4308% | 1,964 |
| Total domestic deposits to total assets | 73.0999% | 6,300 |
| Equity capital to assets | 21.8246% | 151 |
| Core capital (leverage) ratio | 19.0841% | 241 |
| Tier 1 risk-based capital ratio | 25.3482% | 854 |
| Total risk-based capital ratio | 26.6142% | 835 |
| Memoranda: | ||
| Average total assets | $285,070,000 | 2,267 |
| Average earning assets | $235,255,500 | 2,492 |
| Average equity | $60,965,000 | 1,193 |
| Average total loans | $182,509,500 | 2,209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 2,594 |
| Cost of funding earning assets | 0.2740% | 5,798 |
| Net interest margin | 4.1249% | 1,579 |
| Noninterest income to average assets | 0.8163% | 2,001 |
| Noninterest expense to average assets | 3.6272% | 1,404 |
| Loan and lease loss provision to assets | 0.0492% | 4,148 |
| Net operating income to assets | 0.7094% | 3,753 |
| Return on assets (ROA) | 0.7094% | 3,833 |
| Pretax return on assets | 0.5977% | 4,881 |
| Return on Equity (ROE) | 3.6299% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.6299% | 3,639 |
| Net charge-offs to loans | 4.2076% | 35 |
| Credit loss provision to net charge-offs | 1.7069% | 4,690 |
| Earnings coverage of net charge-offs (x) | 0.2246% | 5,011 |
| Efficiency ratio | 84.8654% | 1,532 |
| Assets per employee ($millions) | 7.4397% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6698% | 681 |
| Loan loss allowance to noncurrent loans | 54.0244% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 8.8696% | 156 |
| Noncurrent loans to loans | 4.9419% | 518 |
| Net loans and leases to total assets | 62.9978% | 3,203 |
| Net loans and leases to deposits | 85.1785% | 1,791 |
| Net loans and leases to core deposits | 90.7780% | 1,929 |
| Total domestic deposits to total assets | 73.9598% | 6,286 |
| Equity capital to assets | 20.9628% | 166 |
| Core capital (leverage) ratio | 18.4713% | 273 |
| Tier 1 risk-based capital ratio | 24.6863% | 889 |
| Total risk-based capital ratio | 25.9502% | 875 |
| Memoranda: | ||
| Average total assets | $305,166,800 | 2,118 |
| Average earning assets | $255,812,800 | 2,279 |
| Average equity | $59,642,800 | 1,208 |
| Average total loans | $208,860,600 | 1,936 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 2,496 |
| Cost of funding earning assets | 0.2803% | 5,889 |
| Net interest margin | 4.1489% | 1,487 |
| Noninterest income to average assets | 0.9715% | 1,530 |
| Noninterest expense to average assets | 3.6060% | 1,387 |
| Loan and lease loss provision to assets | 0.0647% | 3,762 |
| Net operating income to assets | 0.7372% | 3,664 |
| Return on assets (ROA) | 0.7372% | 3,795 |
| Pretax return on assets | 0.7894% | 4,335 |
| Return on Equity (ROE) | 3.8372% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.8372% | 3,954 |
| Net charge-offs to loans | 2.2640% | 151 |
| Credit loss provision to net charge-offs | 4.1254% | 4,288 |
| Earnings coverage of net charge-offs (x) | 0.5443% | 4,684 |
| Efficiency ratio | 80.8496% | 1,989 |
| Assets per employee ($millions) | 7.7753% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0735% | 109 |
| Loan loss allowance to noncurrent loans | 327.3020% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 7.0020% | 292 |
| Noncurrent loans to loans | 1.5501% | 2,842 |
| Net loans and leases to total assets | 64.3776% | 2,940 |
| Net loans and leases to deposits | 86.0111% | 1,616 |
| Net loans and leases to core deposits | 92.1448% | 1,759 |
| Total domestic deposits to total assets | 74.8480% | 6,293 |
| Equity capital to assets | 20.4342% | 193 |
| Core capital (leverage) ratio | 18.1287% | 294 |
| Tier 1 risk-based capital ratio | 24.1122% | 985 |
| Total risk-based capital ratio | 25.4043% | 959 |
| Memoranda: | ||
| Average total assets | $308,921,500 | 2,095 |
| Average earning assets | $259,754,250 | 2,256 |
| Average equity | $59,347,750 | 1,224 |
| Average total loans | $214,125,500 | 1,906 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,285 |
| Cost of funding earning assets | 0.2882% | 5,920 |
| Net interest margin | 4.1883% | 1,305 |
| Noninterest income to average assets | 0.2265% | 5,824 |
| Noninterest expense to average assets | 3.3426% | 1,959 |
| Loan and lease loss provision to assets | 0.0957% | 3,193 |
| Net operating income to assets | 0.3561% | 5,383 |
| Return on assets (ROA) | 0.3561% | 5,562 |
| Pretax return on assets | 0.3127% | 5,841 |
| Return on Equity (ROE) | 1.8914% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.8914% | 5,063 |
| Net charge-offs to loans | 1.6799% | 293 |
| Credit loss provision to net charge-offs | 8.1655% | 3,924 |
| Earnings coverage of net charge-offs (x) | 0.3484% | 4,424 |
| Efficiency ratio | 89.1119% | 1,121 |
| Assets per employee ($millions) | 7.2596% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9369% | 67 |
| Loan loss allowance to noncurrent loans | 343.7231% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 10.7316% | 132 |
| Noncurrent loans to loans | 1.7272% | 2,726 |
| Net loans and leases to total assets | 63.6907% | 2,969 |
| Net loans and leases to deposits | 84.3276% | 1,758 |
| Net loans and leases to core deposits | 90.7898% | 1,833 |
| Total domestic deposits to total assets | 75.5277% | 6,306 |
| Equity capital to assets | 19.8987% | 214 |
| Core capital (leverage) ratio | 17.9525% | 289 |
| Tier 1 risk-based capital ratio | 23.5269% | 1,058 |
| Total risk-based capital ratio | 24.8247% | 1,032 |
| Memoranda: | ||
| Average total assets | $313,408,670 | 2,071 |
| Average earning assets | $263,733,670 | 2,234 |
| Average equity | $59,005,330 | 1,229 |
| Average total loans | $218,708,670 | 1,868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 2,278 |
| Cost of funding earning assets | 0.2974% | 5,983 |
| Net interest margin | 4.1710% | 1,277 |
| Noninterest income to average assets | 0.1830% | 6,170 |
| Noninterest expense to average assets | 3.2158% | 2,304 |
| Loan and lease loss provision to assets | 0.1867% | 1,971 |
| Net operating income to assets | 0.5055% | 4,629 |
| Return on assets (ROA) | 0.5055% | 4,776 |
| Pretax return on assets | 0.3598% | 5,682 |
| Return on Equity (ROE) | 2.7575% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.7575% | 4,632 |
| Net charge-offs to loans | 1.6490% | 311 |
| Credit loss provision to net charge-offs | 16.0085% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.4685% | 3,663 |
| Efficiency ratio | 85.4732% | 1,588 |
| Assets per employee ($millions) | 7.7860% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9049% | 80 |
| Loan loss allowance to noncurrent loans | 96.0146% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 11.4610% | 141 |
| Noncurrent loans to loans | 6.1500% | 533 |
| Net loans and leases to total assets | 65.8250% | 2,398 |
| Net loans and leases to deposits | 86.1644% | 1,334 |
| Net loans and leases to core deposits | 93.5903% | 1,372 |
| Total domestic deposits to total assets | 76.3947% | 6,319 |
| Equity capital to assets | 18.9749% | 274 |
| Core capital (leverage) ratio | 17.4936% | 316 |
| Tier 1 risk-based capital ratio | 22.4298% | 1,255 |
| Total risk-based capital ratio | 23.7313% | 1,229 |
| Memoranda: | ||
| Average total assets | $321,291,500 | 2,038 |
| Average earning assets | $275,715,500 | 2,180 |
| Average equity | $58,894,500 | 1,243 |
| Average total loans | $227,295,000 | 1,817 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 1,843 |
| Cost of funding earning assets | 0.4800% | 5,350 |
| Net interest margin | 4.4187% | 1,121 |
| Noninterest income to average assets | 0.4238% | 4,425 |
| Noninterest expense to average assets | 3.3514% | 2,187 |
| Loan and lease loss provision to assets | 1.0043% | 417 |
| Net operating income to assets | 0.0837% | 6,036 |
| Return on assets (ROA) | 0.0837% | 6,179 |
| Pretax return on assets | -0.0351% | 6,314 |
| Return on Equity (ROE) | 0.5066% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.5066% | 5,595 |
| Net charge-offs to loans | 1.3538% | 698 |
| Credit loss provision to net charge-offs | 89.4710% | 3,501 |
| Earnings coverage of net charge-offs (x) | 0.8635% | 5,044 |
| Efficiency ratio | 77.5669% | 2,513 |
| Assets per employee ($millions) | 8.0767% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7671% | 78 |
| Loan loss allowance to noncurrent loans | 51.7023% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 12.2131% | 135 |
| Noncurrent loans to loans | 11.1545% | 179 |
| Net loans and leases to total assets | 67.3629% | 2,303 |
| Net loans and leases to deposits | 86.3410% | 1,475 |
| Net loans and leases to core deposits | 92.3394% | 1,609 |
| Total domestic deposits to total assets | 78.0196% | 6,077 |
| Equity capital to assets | 17.7246% | 347 |
| Core capital (leverage) ratio | 16.0683% | 447 |
| Tier 1 risk-based capital ratio | 21.8686% | 1,285 |
| Total risk-based capital ratio | 23.1720% | 1,248 |
| Memoranda: | ||
| Average total assets | $353,675,600 | 1,830 |
| Average earning assets | $311,898,600 | 1,893 |
| Average equity | $58,430,000 | 1,214 |
| Average total loans | $293,250,800 | 1,431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 1,634 |
| Cost of funding earning assets | 0.5173% | 5,329 |
| Net interest margin | 4.5060% | 978 |
| Noninterest income to average assets | 0.4197% | 4,485 |
| Noninterest expense to average assets | 3.4554% | 1,870 |
| Loan and lease loss provision to assets | 1.2438% | 291 |
| Net operating income to assets | -0.0742% | 6,378 |
| Return on assets (ROA) | -0.0742% | 6,482 |
| Pretax return on assets | -0.3043% | 6,602 |
| Return on Equity (ROE) | -0.4569% | 6,456 |
| Retained earnings to average equity (ytd only) | -0.4569% | 6,169 |
| Net charge-offs to loans | 1.1963% | 818 |
| Credit loss provision to net charge-offs | 121.5373% | 2,382 |
| Earnings coverage of net charge-offs (x) | 0.9181% | 4,868 |
| Efficiency ratio | 78.6221% | 2,298 |
| Assets per employee ($millions) | 8.1477% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3426% | 113 |
| Loan loss allowance to noncurrent loans | 47.4381% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 12.6176% | 142 |
| Noncurrent loans to loans | 11.2623% | 192 |
| Net loans and leases to total assets | 75.9267% | 988 |
| Net loans and leases to deposits | 96.2065% | 644 |
| Net loans and leases to core deposits | 105.4292% | 770 |
| Total domestic deposits to total assets | 78.9205% | 5,890 |
| Equity capital to assets | 17.0085% | 459 |
| Core capital (leverage) ratio | 15.5705% | 528 |
| Tier 1 risk-based capital ratio | 19.0242% | 2,005 |
| Total risk-based capital ratio | 20.3235% | 1,958 |
| Memoranda: | ||
| Average total assets | $359,308,250 | 1,832 |
| Average earning assets | $316,993,750 | 1,889 |
| Average equity | $58,364,000 | 1,218 |
| Average total loans | $307,383,250 | 1,376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 1,266 |
| Cost of funding earning assets | 0.5654% | 5,181 |
| Net interest margin | 4.6307% | 781 |
| Noninterest income to average assets | 0.6093% | 3,199 |
| Noninterest expense to average assets | 3.5742% | 1,634 |
| Loan and lease loss provision to assets | 1.2011% | 343 |
| Net operating income to assets | 0.0636% | 6,234 |
| Return on assets (ROA) | 0.0636% | 6,374 |
| Pretax return on assets | -0.0910% | 6,518 |
| Return on Equity (ROE) | 0.3971% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.3971% | 5,910 |
| Net charge-offs to loans | 1.2760% | 842 |
| Credit loss provision to net charge-offs | 107.9271% | 2,523 |
| Earnings coverage of net charge-offs (x) | 0.9975% | 4,529 |
| Efficiency ratio | 76.3013% | 2,699 |
| Assets per employee ($millions) | 8.6517% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7010% | 200 |
| Loan loss allowance to noncurrent loans | 46.8865% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 12.6886% | 154 |
| Noncurrent loans to loans | 10.0263% | 268 |
| Net loans and leases to total assets | 81.3298% | 381 |
| Net loans and leases to deposits | 102.3308% | 327 |
| Net loans and leases to core deposits | 112.4497% | 496 |
| Total domestic deposits to total assets | 79.4773% | 5,865 |
| Equity capital to assets | 16.4961% | 508 |
| Core capital (leverage) ratio | 15.1923% | 565 |
| Tier 1 risk-based capital ratio | 17.5454% | 2,460 |
| Total risk-based capital ratio | 18.8371% | 2,413 |
| Memoranda: | ||
| Average total assets | $365,009,330 | 1,808 |
| Average earning assets | $321,205,670 | 1,863 |
| Average equity | $58,417,330 | 1,212 |
| Average total loans | $318,347,670 | 1,333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 1,300 |
| Cost of funding earning assets | 0.5995% | 5,135 |
| Net interest margin | 4.6075% | 814 |
| Noninterest income to average assets | 0.3145% | 5,355 |
| Noninterest expense to average assets | 3.9648% | 975 |
| Loan and lease loss provision to assets | 0.5998% | 958 |
| Net operating income to assets | -0.0519% | 6,486 |
| Return on assets (ROA) | -0.0519% | 6,581 |
| Pretax return on assets | -0.1891% | 6,655 |
| Return on Equity (ROE) | -0.3289% | 6,565 |
| Retained earnings to average equity (ytd only) | -0.3289% | 6,051 |
| Net charge-offs to loans | 0.9566% | 1,083 |
| Credit loss provision to net charge-offs | 71.1538% | 2,888 |
| Earnings coverage of net charge-offs (x) | 0.4872% | 4,096 |
| Efficiency ratio | 90.6150% | 1,044 |
| Assets per employee ($millions) | 8.6173% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3141% | 286 |
| Loan loss allowance to noncurrent loans | 44.3466% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 12.9396% | 167 |
| Noncurrent loans to loans | 9.7282% | 323 |
| Net loans and leases to total assets | 84.8453% | 159 |
| Net loans and leases to deposits | 107.0249% | 184 |
| Net loans and leases to core deposits | 120.3915% | 303 |
| Total domestic deposits to total assets | 79.2763% | 6,019 |
| Equity capital to assets | 16.1203% | 559 |
| Core capital (leverage) ratio | 14.6916% | 654 |
| Tier 1 risk-based capital ratio | 16.5812% | 2,872 |
| Total risk-based capital ratio | 17.8686% | 2,815 |
| Memoranda: | ||
| Average total assets | $370,154,000 | 1,785 |
| Average earning assets | $326,252,500 | 1,846 |
| Average equity | $58,368,500 | 1,219 |
| Average total loans | $326,159,500 | 1,301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 1,621 |
| Cost of funding earning assets | 0.7995% | 4,879 |
| Net interest margin | 4.5316% | 1,067 |
| Noninterest income to average assets | 0.0302% | 6,902 |
| Noninterest expense to average assets | 2.8038% | 4,333 |
| Loan and lease loss provision to assets | 2.0312% | 289 |
| Net operating income to assets | -0.3453% | 6,379 |
| Return on assets (ROA) | -0.3453% | 6,428 |
| Pretax return on assets | -0.7486% | 6,623 |
| Return on Equity (ROE) | -2.3601% | 6,363 |
| Retained earnings to average equity (ytd only) | -2.3601% | 6,201 |
| Net charge-offs to loans | 2.1375% | 616 |
| Credit loss provision to net charge-offs | 107.7856% | 3,133 |
| Earnings coverage of net charge-offs (x) | 0.6806% | 5,303 |
| Efficiency ratio | 68.6132% | 4,228 |
| Assets per employee ($millions) | 8.7995% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2457% | 315 |
| Loan loss allowance to noncurrent loans | 63.7517% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 10.2302% | 317 |
| Noncurrent loans to loans | 6.6597% | 692 |
| Net loans and leases to total assets | 83.8641% | 212 |
| Net loans and leases to deposits | 106.5854% | 233 |
| Net loans and leases to core deposits | 122.2743% | 317 |
| Total domestic deposits to total assets | 78.6825% | 6,057 |
| Equity capital to assets | 15.4324% | 688 |
| Core capital (leverage) ratio | 14.0266% | 819 |
| Tier 1 risk-based capital ratio | 16.2400% | 2,932 |
| Total risk-based capital ratio | 17.5266% | 2,885 |
| Memoranda: | ||
| Average total assets | $406,907,200 | 1,597 |
| Average earning assets | $364,221,600 | 1,624 |
| Average equity | $59,530,400 | 1,135 |
| Average total loans | $358,733,200 | 1,178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 1,806 |
| Cost of funding earning assets | 0.8389% | 4,863 |
| Net interest margin | 4.4740% | 1,206 |
| Noninterest income to average assets | 0.0879% | 6,797 |
| Noninterest expense to average assets | 3.2833% | 2,546 |
| Loan and lease loss provision to assets | 0.8646% | 1,054 |
| Net operating income to assets | 0.0744% | 6,019 |
| Return on assets (ROA) | 0.0744% | 6,136 |
| Pretax return on assets | -0.0467% | 6,276 |
| Return on Equity (ROE) | 0.5149% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.5149% | 5,801 |
| Net charge-offs to loans | 1.6183% | 869 |
| Credit loss provision to net charge-offs | 60.5139% | 4,797 |
| Earnings coverage of net charge-offs (x) | 0.5725% | 5,193 |
| Efficiency ratio | 80.0565% | 2,246 |
| Assets per employee ($millions) | 8.3478% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4111% | 607 |
| Loan loss allowance to noncurrent loans | 53.7710% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 10.8302% | 305 |
| Noncurrent loans to loans | 6.3437% | 846 |
| Net loans and leases to total assets | 84.5929% | 186 |
| Net loans and leases to deposits | 105.7610% | 256 |
| Net loans and leases to core deposits | 124.2455% | 307 |
| Total domestic deposits to total assets | 79.9850% | 5,743 |
| Equity capital to assets | 15.3010% | 772 |
| Core capital (leverage) ratio | 14.2542% | 829 |
| Tier 1 risk-based capital ratio | 16.3135% | 2,964 |
| Total risk-based capital ratio | 17.5895% | 2,916 |
| Memoranda: | ||
| Average total assets | $414,039,000 | 1,579 |
| Average earning assets | $371,409,250 | 1,606 |
| Average equity | $59,814,750 | 1,131 |
| Average total loans | $365,567,750 | 1,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 1,853 |
| Cost of funding earning assets | 0.8684% | 4,920 |
| Net interest margin | 4.4421% | 1,265 |
| Noninterest income to average assets | 0.1035% | 6,807 |
| Noninterest expense to average assets | 3.0085% | 3,609 |
| Loan and lease loss provision to assets | 1.2272% | 628 |
| Net operating income to assets | 0.0280% | 6,176 |
| Return on assets (ROA) | 0.0280% | 6,253 |
| Pretax return on assets | -0.1325% | 6,392 |
| Return on Equity (ROE) | 0.1975% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.1975% | 5,759 |
| Net charge-offs to loans | 2.0398% | 654 |
| Credit loss provision to net charge-offs | 67.9727% | 4,114 |
| Earnings coverage of net charge-offs (x) | 0.6064% | 4,842 |
| Efficiency ratio | 73.3194% | 3,496 |
| Assets per employee ($millions) | 8.3672% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4767% | 605 |
| Loan loss allowance to noncurrent loans | 47.2327% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 11.1997% | 298 |
| Noncurrent loans to loans | 7.3608% | 669 |
| Net loans and leases to total assets | 82.9855% | 309 |
| Net loans and leases to deposits | 105.0173% | 291 |
| Net loans and leases to core deposits | 126.6670% | 308 |
| Total domestic deposits to total assets | 79.0208% | 6,083 |
| Equity capital to assets | 14.5969% | 914 |
| Core capital (leverage) ratio | 14.0958% | 850 |
| Tier 1 risk-based capital ratio | 15.7898% | 3,086 |
| Total risk-based capital ratio | 17.0654% | 3,053 |
| Memoranda: | ||
| Average total assets | $421,270,000 | 1,571 |
| Average earning assets | $379,327,670 | 1,582 |
| Average equity | $59,742,000 | 1,118 |
| Average total loans | $372,884,330 | 1,166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3534% | 1,717 |
| Cost of funding earning assets | 0.9041% | 4,886 |
| Net interest margin | 4.4492% | 1,177 |
| Noninterest income to average assets | 0.1143% | 6,838 |
| Noninterest expense to average assets | 3.3834% | 2,323 |
| Loan and lease loss provision to assets | 1.2743% | 545 |
| Net operating income to assets | -0.1687% | 6,528 |
| Return on assets (ROA) | -0.1687% | 6,545 |
| Pretax return on assets | -0.5181% | 6,761 |
| Return on Equity (ROE) | -1.2062% | 6,512 |
| Retained earnings to average equity (ytd only) | -1.2062% | 6,028 |
| Net charge-offs to loans | 1.6185% | 834 |
| Credit loss provision to net charge-offs | 87.7419% | 2,976 |
| Earnings coverage of net charge-offs (x) | 0.5206% | 4,231 |
| Efficiency ratio | 81.7338% | 2,266 |
| Assets per employee ($millions) | 8.5581% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5291% | 591 |
| Loan loss allowance to noncurrent loans | 45.1572% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 10.7355% | 353 |
| Noncurrent loans to loans | 7.8151% | 654 |
| Net loans and leases to total assets | 86.5879% | 110 |
| Net loans and leases to deposits | 107.3659% | 226 |
| Net loans and leases to core deposits | 136.2391% | 220 |
| Total domestic deposits to total assets | 80.6475% | 5,770 |
| Equity capital to assets | 14.2124% | 942 |
| Core capital (leverage) ratio | 13.5184% | 962 |
| Tier 1 risk-based capital ratio | 14.9109% | 3,470 |
| Total risk-based capital ratio | 16.1879% | 3,419 |
| Memoranda: | ||
| Average total assets | $426,909,000 | 1,555 |
| Average earning assets | $386,224,000 | 1,567 |
| Average equity | $59,690,000 | 1,110 |
| Average total loans | $383,082,000 | 1,147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5967% | 1,900 |
| Cost of funding earning assets | 1.3738% | 3,432 |
| Net interest margin | 4.2229% | 2,082 |
| Noninterest income to average assets | 0.1316% | 6,734 |
| Noninterest expense to average assets | 2.2263% | 6,550 |
| Loan and lease loss provision to assets | 1.3584% | 1,115 |
| Net operating income to assets | 0.3475% | 4,754 |
| Return on assets (ROA) | 0.3475% | 4,913 |
| Pretax return on assets | 0.3706% | 5,029 |
| Return on Equity (ROE) | 2.7490% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.7490% | 3,930 |
| Net charge-offs to loans | 1.1723% | 1,899 |
| Credit loss provision to net charge-offs | 130.9450% | 3,029 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,488 |
| Efficiency ratio | 56.2858% | 6,563 |
| Assets per employee ($millions) | 8.8668% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4566% | 607 |
| Loan loss allowance to noncurrent loans | 45.6944% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 10.4037% | 380 |
| Noncurrent loans to loans | 7.5646% | 713 |
| Net loans and leases to total assets | 86.6120% | 154 |
| Net loans and leases to deposits | 106.6189% | 300 |
| Net loans and leases to core deposits | 129.1081% | 344 |
| Total domestic deposits to total assets | 81.2352% | 5,442 |
| Equity capital to assets | 13.7595% | 1,112 |
| Core capital (leverage) ratio | 13.1894% | 1,063 |
| Tier 1 risk-based capital ratio | 14.7193% | 3,413 |
| Total risk-based capital ratio | 15.9956% | 3,356 |
| Memoranda: | ||
| Average total assets | $468,182,400 | 1,426 |
| Average earning assets | $423,924,600 | 1,428 |
| Average equity | $59,184,600 | 1,124 |
| Average total loans | $414,299,400 | 1,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 2,021 |
| Cost of funding earning assets | 1.4777% | 3,103 |
| Net interest margin | 4.1340% | 2,468 |
| Noninterest income to average assets | 0.1393% | 6,855 |
| Noninterest expense to average assets | 2.1873% | 6,641 |
| Loan and lease loss provision to assets | 1.2071% | 1,181 |
| Net operating income to assets | 0.4118% | 4,696 |
| Return on assets (ROA) | 0.4118% | 4,871 |
| Pretax return on assets | 0.4873% | 4,971 |
| Return on Equity (ROE) | 3.3245% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.3245% | 4,110 |
| Net charge-offs to loans | 0.8956% | 2,207 |
| Credit loss provision to net charge-offs | 152.7975% | 2,531 |
| Earnings coverage of net charge-offs (x) | 2.1448% | 4,113 |
| Efficiency ratio | 56.3491% | 6,505 |
| Assets per employee ($millions) | 9.0497% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3249% | 621 |
| Loan loss allowance to noncurrent loans | 62.7231% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 8.3269% | 587 |
| Noncurrent loans to loans | 5.3009% | 1,278 |
| Net loans and leases to total assets | 86.4981% | 169 |
| Net loans and leases to deposits | 105.7608% | 373 |
| Net loans and leases to core deposits | 135.3709% | 308 |
| Total domestic deposits to total assets | 81.7866% | 5,082 |
| Equity capital to assets | 13.1803% | 1,499 |
| Core capital (leverage) ratio | 12.7284% | 1,324 |
| Tier 1 risk-based capital ratio | 14.0671% | 3,785 |
| Total risk-based capital ratio | 15.3206% | 3,755 |
| Memoranda: | ||
| Average total assets | $476,610,000 | 1,422 |
| Average earning assets | $431,465,750 | 1,427 |
| Average equity | $59,035,500 | 1,131 |
| Average total loans | $420,429,750 | 1,071 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6430% | 1,970 |
| Cost of funding earning assets | 1.5903% | 2,711 |
| Net interest margin | 4.0527% | 2,776 |
| Noninterest income to average assets | 0.1634% | 6,728 |
| Noninterest expense to average assets | 2.1583% | 6,748 |
| Loan and lease loss provision to assets | 0.9615% | 1,520 |
| Net operating income to assets | 0.5575% | 4,043 |
| Return on assets (ROA) | 0.5575% | 4,192 |
| Pretax return on assets | 0.7065% | 4,209 |
| Return on Equity (ROE) | 4.5926% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.5926% | 3,156 |
| Net charge-offs to loans | 0.5047% | 3,015 |
| Credit loss provision to net charge-offs | 216.9460% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.7635% | 3,185 |
| Efficiency ratio | 56.4064% | 6,587 |
| Assets per employee ($millions) | 9.5080% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1887% | 713 |
| Loan loss allowance to noncurrent loans | 71.1787% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 7.3663% | 694 |
| Noncurrent loans to loans | 4.4798% | 1,624 |
| Net loans and leases to total assets | 86.1842% | 220 |
| Net loans and leases to deposits | 105.2714% | 429 |
| Net loans and leases to core deposits | 136.1617% | 330 |
| Total domestic deposits to total assets | 81.8686% | 5,043 |
| Equity capital to assets | 12.7740% | 1,660 |
| Core capital (leverage) ratio | 12.3091% | 1,493 |
| Tier 1 risk-based capital ratio | 13.8159% | 3,861 |
| Total risk-based capital ratio | 15.0802% | 3,817 |
| Memoranda: | ||
| Average total assets | $484,651,670 | 1,415 |
| Average earning assets | $438,027,670 | 1,417 |
| Average equity | $58,834,330 | 1,127 |
| Average total loans | $425,622,330 | 1,068 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4789% | 2,693 |
| Cost of funding earning assets | 1.6702% | 2,538 |
| Net interest margin | 3.8086% | 3,762 |
| Noninterest income to average assets | 0.2421% | 6,216 |
| Noninterest expense to average assets | 2.1367% | 6,846 |
| Loan and lease loss provision to assets | 0.7166% | 1,778 |
| Net operating income to assets | 0.5522% | 4,131 |
| Return on assets (ROA) | 0.5522% | 4,266 |
| Pretax return on assets | 0.8137% | 3,809 |
| Return on Equity (ROE) | 4.6636% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.6636% | 3,342 |
| Net charge-offs to loans | 0.3025% | 3,209 |
| Credit loss provision to net charge-offs | 271.4724% | 1,459 |
| Earnings coverage of net charge-offs (x) | 5.7975% | 2,334 |
| Efficiency ratio | 58.2689% | 6,446 |
| Assets per employee ($millions) | 9.9009% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9221% | 877 |
| Loan loss allowance to noncurrent loans | 97.6539% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 5.9274% | 1,021 |
| Noncurrent loans to loans | 2.9923% | 2,684 |
| Net loans and leases to total assets | 84.0824% | 364 |
| Net loans and leases to deposits | 101.4163% | 669 |
| Net loans and leases to core deposits | 133.6308% | 413 |
| Total domestic deposits to total assets | 82.9082% | 4,674 |
| Equity capital to assets | 11.8852% | 2,112 |
| Core capital (leverage) ratio | 11.9129% | 1,686 |
| Tier 1 risk-based capital ratio | 12.7488% | 4,524 |
| Total risk-based capital ratio | 14.0189% | 4,472 |
| Memoranda: | ||
| Average total assets | $494,031,000 | 1,410 |
| Average earning assets | $444,252,000 | 1,432 |
| Average equity | $58,495,000 | 1,139 |
| Average total loans | $431,058,000 | 1,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 3,601 |
| Cost of funding earning assets | 2.4160% | 1,252 |
| Net interest margin | 3.1857% | 6,143 |
| Noninterest income to average assets | 0.1459% | 7,011 |
| Noninterest expense to average assets | 1.8956% | 7,514 |
| Loan and lease loss provision to assets | 5.3202% | 167 |
| Net operating income to assets | -2.4222% | 7,241 |
| Return on assets (ROA) | -2.4222% | 7,247 |
| Pretax return on assets | -4.1588% | 7,564 |
| Return on Equity (ROE) | -18.3975% | 7,092 |
| Retained earnings to average equity (ytd only) | -19.2982% | 7,081 |
| Net charge-offs to loans | 6.0457% | 169 |
| Credit loss provision to net charge-offs | 98.2102% | 5,672 |
| Earnings coverage of net charge-offs (x) | 0.2144% | 5,918 |
| Efficiency ratio | 62.0097% | 6,155 |
| Assets per employee ($millions) | 9.8604% | 266 |
| Cash dividends to net income (ytd only)* | -4.8958% | 7,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7620% | 962 |
| Loan loss allowance to noncurrent loans | 97.7141% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 5.6874% | 1,019 |
| Noncurrent loans to loans | 2.8266% | 2,728 |
| Net loans and leases to total assets | 85.4681% | 308 |
| Net loans and leases to deposits | 102.7701% | 709 |
| Net loans and leases to core deposits | 139.5611% | 827 |
| Total domestic deposits to total assets | 83.1643% | 4,442 |
| Equity capital to assets | 11.7953% | 2,142 |
| Core capital (leverage) ratio | 11.3623% | 2,001 |
| Tier 1 risk-based capital ratio | 12.4392% | 4,564 |
| Total risk-based capital ratio | 13.7065% | 4,506 |
| Memoranda: | ||
| Average total assets | $527,052,400 | 1,306 |
| Average earning assets | $481,616,400 | 1,310 |
| Average equity | $69,389,800 | 946 |
| Average total loans | $472,256,800 | 1,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 3,930 |
| Cost of funding earning assets | 2.5105% | 1,266 |
| Net interest margin | 3.0787% | 6,369 |
| Noninterest income to average assets | 0.1760% | 6,956 |
| Noninterest expense to average assets | 1.8831% | 7,566 |
| Loan and lease loss provision to assets | 2.7758% | 563 |
| Net operating income to assets | -0.9505% | 6,796 |
| Return on assets (ROA) | -0.9505% | 6,802 |
| Pretax return on assets | -1.6598% | 7,031 |
| Return on Equity (ROE) | -7.0507% | 6,666 |
| Retained earnings to average equity (ytd only) | -8.3009% | 6,636 |
| Net charge-offs to loans | 2.6174% | 693 |
| Credit loss provision to net charge-offs | 117.8398% | 4,312 |
| Earnings coverage of net charge-offs (x) | 0.4738% | 5,558 |
| Efficiency ratio | 62.7874% | 5,968 |
| Assets per employee ($millions) | 9.8354% | 281 |
| Cash dividends to net income (ytd only)* | -17.7317% | 7,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0806% | 623 |
| Loan loss allowance to noncurrent loans | 39.4126% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 9.2431% | 410 |
| Noncurrent loans to loans | 7.8162% | 635 |
| Net loans and leases to total assets | 85.5226% | 389 |
| Net loans and leases to deposits | 103.7953% | 792 |
| Net loans and leases to core deposits | 141.9861% | 835 |
| Total domestic deposits to total assets | 82.3955% | 4,501 |
| Equity capital to assets | 12.8637% | 1,751 |
| Core capital (leverage) ratio | 12.9685% | 1,386 |
| Tier 1 risk-based capital ratio | 14.2021% | 3,443 |
| Total risk-based capital ratio | 15.4737% | 3,375 |
| Memoranda: | ||
| Average total assets | $535,560,750 | 1,300 |
| Average earning assets | $491,106,750 | 1,296 |
| Average equity | $72,199,000 | 921 |
| Average total loans | $481,985,250 | 1,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 3,485 |
| Cost of funding earning assets | 2.5602% | 1,402 |
| Net interest margin | 3.1490% | 6,094 |
| Noninterest income to average assets | 0.1717% | 7,062 |
| Noninterest expense to average assets | 1.7260% | 7,810 |
| Loan and lease loss provision to assets | 2.8316% | 536 |
| Net operating income to assets | -0.8436% | 6,859 |
| Return on assets (ROA) | -0.8436% | 6,866 |
| Pretax return on assets | -1.4998% | 7,089 |
| Return on Equity (ROE) | -6.1667% | 6,728 |
| Retained earnings to average equity (ytd only) | -7.9985% | 6,667 |
| Net charge-offs to loans | 2.7614% | 607 |
| Credit loss provision to net charge-offs | 113.2327% | 4,094 |
| Earnings coverage of net charge-offs (x) | 0.5326% | 5,175 |
| Efficiency ratio | 56.4460% | 7,064 |
| Assets per employee ($millions) | 9.7591% | 281 |
| Cash dividends to net income (ytd only)* | -29.7060% | 7,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8773% | 629 |
| Loan loss allowance to noncurrent loans | 38.8142% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 8.7502% | 399 |
| Noncurrent loans to loans | 7.4129% | 635 |
| Net loans and leases to total assets | 85.6706% | 414 |
| Net loans and leases to deposits | 105.8114% | 775 |
| Net loans and leases to core deposits | 143.4995% | 856 |
| Total domestic deposits to total assets | 80.9654% | 5,097 |
| Equity capital to assets | 13.0148% | 1,684 |
| Core capital (leverage) ratio | 13.1368% | 1,387 |
| Tier 1 risk-based capital ratio | 14.3728% | 3,317 |
| Total risk-based capital ratio | 15.6418% | 3,247 |
| Memoranda: | ||
| Average total assets | $540,322,670 | 1,309 |
| Average earning assets | $495,204,000 | 1,311 |
| Average equity | $73,913,670 | 901 |
| Average total loans | $489,321,000 | 1,017 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 3,978 |
| Cost of funding earning assets | 2.6702% | 1,348 |
| Net interest margin | 2.9926% | 6,496 |
| Noninterest income to average assets | 0.0951% | 7,573 |
| Noninterest expense to average assets | 1.6366% | 7,878 |
| Loan and lease loss provision to assets | 0.9141% | 1,426 |
| Net operating income to assets | 0.3335% | 5,145 |
| Return on assets (ROA) | 0.3335% | 5,332 |
| Pretax return on assets | 0.2867% | 5,709 |
| Return on Equity (ROE) | 2.3819% | 5,631 |
| Retained earnings to average equity (ytd only) | 0.3500% | 5,517 |
| Net charge-offs to loans | 0.6962% | 1,794 |
| Credit loss provision to net charge-offs | 143.1844% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.8809% | 3,785 |
| Efficiency ratio | 57.6804% | 6,746 |
| Assets per employee ($millions) | 9.7936% | 280 |
| Cash dividends to net income (ytd only)* | 85.3070% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 697 |
| Loan loss allowance to noncurrent loans | 34.8521% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 8.0373% | 368 |
| Noncurrent loans to loans | 7.4469% | 507 |
| Net loans and leases to total assets | 89.5858% | 157 |
| Net loans and leases to deposits | 112.2919% | 510 |
| Net loans and leases to core deposits | 151.3830% | 660 |
| Total domestic deposits to total assets | 79.7794% | 5,441 |
| Equity capital to assets | 14.2232% | 1,300 |
| Core capital (leverage) ratio | 14.2611% | 1,138 |
| Tier 1 risk-based capital ratio | 15.2103% | 2,965 |
| Total risk-based capital ratio | 16.4764% | 2,910 |
| Memoranda: | ||
| Average total assets | $546,987,500 | 1,299 |
| Average earning assets | $501,238,500 | 1,290 |
| Average equity | $76,577,000 | 866 |
| Average total loans | $501,555,000 | 999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4756% | 3,090 |
| Cost of funding earning assets | 2.9570% | 2,035 |
| Net interest margin | 3.5186% | 5,235 |
| Noninterest income to average assets | 0.0963% | 7,651 |
| Noninterest expense to average assets | 1.6588% | 7,905 |
| Loan and lease loss provision to assets | 1.2081% | 1,189 |
| Net operating income to assets | 0.4162% | 5,088 |
| Return on assets (ROA) | 0.4162% | 4,903 |
| Pretax return on assets | 0.5504% | 4,852 |
| Return on Equity (ROE) | 3.0078% | 5,232 |
| Retained earnings to average equity (ytd only) | -0.9974% | 5,596 |
| Net charge-offs to loans | 1.1634% | 1,044 |
| Credit loss provision to net charge-offs | 112.2371% | 4,804 |
| Earnings coverage of net charge-offs (x) | 1.6337% | 5,270 |
| Efficiency ratio | 48.5408% | 7,762 |
| Assets per employee ($millions) | 9.9165% | 269 |
| Cash dividends to net income (ytd only)* | 133.1606% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4583% | 716 |
| Loan loss allowance to noncurrent loans | 31.5663% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 8.0526% | 287 |
| Noncurrent loans to loans | 7.7879% | 355 |
| Net loans and leases to total assets | 89.1761% | 266 |
| Net loans and leases to deposits | 112.1979% | 696 |
| Net loans and leases to core deposits | 152.7762% | 758 |
| Total domestic deposits to total assets | 79.4811% | 5,211 |
| Equity capital to assets | 13.7831% | 1,503 |
| Core capital (leverage) ratio | 13.8574% | 1,292 |
| Tier 1 risk-based capital ratio | 14.9227% | 3,079 |
| Total risk-based capital ratio | 16.1873% | 2,989 |
| Memoranda: | ||
| Average total assets | $556,497,000 | 1,221 |
| Average earning assets | $525,236,800 | 1,174 |
| Average equity | $77,000,400 | 864 |
| Average total loans | $514,876,000 | 928 |