Home > Northview Bank > Performance and Condition Ratios
Northview 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 | 4.8957% | 2,286 |
| Cost of funding earning assets | 1.0735% | 3,135 |
| Net interest margin | 3.8222% | 1,531 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.2561% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8329% | 2,768 |
| Return on assets (ROA) | 0.7695% | 2,955 |
| Pretax return on assets | 0.8856% | 3,000 |
| Return on Equity (ROE) | 8.5700% | 2,876 |
| Retained earnings to average equity (ytd only) | 2.8354% | 3,332 |
| Net charge-offs to loans | 0.0031% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 461.5556% | 311 |
| Efficiency ratio | 77.2200% | 1,140 |
| Assets per employee ($millions) | 4.1905% | 4,088 |
| Cash dividends to net income (ytd only)* | 66.9265% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 994 |
| Loan loss allowance to noncurrent loans | 924.6094% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,772 |
| Noncurrent loans to loans | 0.1643% | 2,699 |
| Net loans and leases to total assets | 68.4700% | 1,980 |
| Net loans and leases to deposits | 80.2661% | 2,083 |
| Net loans and leases to core deposits | 84.3305% | 2,434 |
| Total domestic deposits to total assets | 85.3000% | 2,210 |
| Equity capital to assets | 9.2145% | 2,530 |
| Core capital (leverage) ratio | 10.2879% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $433,399,200 | 1,906 |
| Average earning assets | $402,698,200 | 1,898 |
| Average equity | $38,900,400 | 1,919 |
| Average total loans | $288,521,200 | 1,834 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,347 |
| Cost of funding earning assets | 1.0114% | 3,001 |
| Net interest margin | 3.7515% | 1,686 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.0914% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9107% | 2,644 |
| Return on assets (ROA) | 0.8518% | 2,836 |
| Pretax return on assets | 0.9822% | 2,903 |
| Return on Equity (ROE) | 9.5600% | 2,782 |
| Retained earnings to average equity (ytd only) | 1.7860% | 3,771 |
| Net charge-offs to loans | 0.0085% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 187.9444% | 625 |
| Efficiency ratio | 74.6047% | 1,308 |
| Assets per employee ($millions) | 4.2665% | 4,059 |
| Cash dividends to net income (ytd only)* | 81.3115% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 956 |
| Loan loss allowance to noncurrent loans | 608.1081% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,333 |
| Noncurrent loans to loans | 0.2569% | 2,317 |
| Net loans and leases to total assets | 68.4000% | 2,004 |
| Net loans and leases to deposits | 78.2270% | 2,229 |
| Net loans and leases to core deposits | 82.1020% | 2,460 |
| Total domestic deposits to total assets | 87.4400% | 1,762 |
| Equity capital to assets | 8.8148% | 2,527 |
| Core capital (leverage) ratio | 10.3226% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $429,654,250 | 1,920 |
| Average earning assets | $399,295,250 | 1,908 |
| Average equity | $38,296,500 | 1,923 |
| Average total loans | $282,722,000 | 1,863 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 2,526 |
| Cost of funding earning assets | 0.9373% | 2,810 |
| Net interest margin | 3.6132% | 2,011 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.0509% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7290% | 3,276 |
| Return on assets (ROA) | 0.6475% | 3,476 |
| Pretax return on assets | 0.8050% | 3,389 |
| Return on Equity (ROE) | 7.2400% | 3,426 |
| Retained earnings to average equity (ytd only) | -0.6009% | 4,174 |
| Net charge-offs to loans | 0.0080% | 1,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 176.3636% | 673 |
| Efficiency ratio | 77.0376% | 1,090 |
| Assets per employee ($millions) | 4.0164% | 4,170 |
| Cash dividends to net income (ytd only)* | 108.3032% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 844 |
| Loan loss allowance to noncurrent loans | 314.4186% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 1,471 |
| Noncurrent loans to loans | 0.5238% | 1,414 |
| Net loans and leases to total assets | 65.7500% | 2,182 |
| Net loans and leases to deposits | 75.9297% | 2,319 |
| Net loans and leases to core deposits | 79.5236% | 2,503 |
| Total domestic deposits to total assets | 86.6000% | 2,057 |
| Equity capital to assets | 8.9048% | 2,585 |
| Core capital (leverage) ratio | 10.3454% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $427,812,667 | 1,925 |
| Average earning assets | $396,883,000 | 1,920 |
| Average equity | $38,275,333 | 1,929 |
| Average total loans | $276,164,333 | 1,882 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,677 |
| Cost of funding earning assets | 0.8212% | 2,650 |
| Net interest margin | 3.5293% | 2,287 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 3.0447% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8350% | 3,072 |
| Return on assets (ROA) | 0.6982% | 3,420 |
| Pretax return on assets | 0.6982% | 3,666 |
| Return on Equity (ROE) | 7.7900% | 3,345 |
| Retained earnings to average equity (ytd only) | -7.8895% | 4,429 |
| Net charge-offs to loans | 0.0148% | 1,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 89.1000% | 846 |
| Efficiency ratio | 78.4300% | 963 |
| Assets per employee ($millions) | 4.0606% | 4,226 |
| Cash dividends to net income (ytd only)* | 201.3423% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 732 |
| Loan loss allowance to noncurrent loans | 518.8596% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 2,067 |
| Noncurrent loans to loans | 0.3361% | 1,945 |
| Net loans and leases to total assets | 62.5400% | 2,408 |
| Net loans and leases to deposits | 70.2403% | 2,588 |
| Net loans and leases to core deposits | 73.4852% | 2,717 |
| Total domestic deposits to total assets | 89.0400% | 1,531 |
| Equity capital to assets | 8.9715% | 2,547 |
| Core capital (leverage) ratio | 10.0948% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $426,841,500 | 1,950 |
| Average earning assets | $397,478,000 | 1,942 |
| Average equity | $38,278,500 | 1,953 |
| Average total loans | $270,589,000 | 1,923 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 1,593 |
| Cost of funding earning assets | 0.3789% | 2,267 |
| Net interest margin | 3.6694% | 1,454 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.0454% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1099% | 2,126 |
| Return on assets (ROA) | 1.1099% | 2,063 |
| Pretax return on assets | 1.1624% | 2,556 |
| Return on Equity (ROE) | 12.2100% | 2,074 |
| Retained earnings to average equity (ytd only) | 2.7344% | 3,793 |
| Net charge-offs to loans | -0.0196% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3422% | 1,404 |
| Assets per employee ($millions) | 3.8497% | 4,334 |
| Cash dividends to net income (ytd only)* | 77.5963% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,016 |
| Loan loss allowance to noncurrent loans | 221.2578% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 1,131 |
| Noncurrent loans to loans | 0.7131% | 1,052 |
| Net loans and leases to total assets | 62.1400% | 2,421 |
| Net loans and leases to deposits | 69.2253% | 2,647 |
| Net loans and leases to core deposits | 71.8353% | 2,737 |
| Total domestic deposits to total assets | 89.7700% | 1,460 |
| Equity capital to assets | 8.9642% | 2,376 |
| Core capital (leverage) ratio | 10.4157% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $430,327,800 | 1,921 |
| Average earning assets | $400,115,200 | 1,920 |
| Average equity | $39,131,200 | 1,949 |
| Average total loans | $250,552,200 | 1,939 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 1,389 |
| Cost of funding earning assets | 0.3470% | 1,731 |
| Net interest margin | 3.5918% | 1,407 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 3.0175% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9956% | 2,490 |
| Return on assets (ROA) | 0.9956% | 2,461 |
| Pretax return on assets | 1.0655% | 2,830 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | -1.6506% | 4,469 |
| Net charge-offs to loans | -0.0266% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.8732% | 1,291 |
| Assets per employee ($millions) | 3.8893% | 4,369 |
| Cash dividends to net income (ytd only)* | 115.1289% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 917 |
| Loan loss allowance to noncurrent loans | 446.6946% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,133 |
| Noncurrent loans to loans | 0.3745% | 1,889 |
| Net loans and leases to total assets | 57.9600% | 2,706 |
| Net loans and leases to deposits | 63.2829% | 2,923 |
| Net loans and leases to core deposits | 65.4603% | 2,990 |
| Total domestic deposits to total assets | 91.5900% | 1,015 |
| Equity capital to assets | 8.2171% | 2,741 |
| Core capital (leverage) ratio | 9.9648% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $431,079,500 | 1,928 |
| Average earning assets | $400,759,750 | 1,925 |
| Average equity | $39,337,500 | 1,968 |
| Average total loans | $245,740,500 | 1,967 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 1,331 |
| Cost of funding earning assets | 0.3269% | 1,465 |
| Net interest margin | 3.4647% | 1,407 |
| Noninterest income to average assets | 0.7394% | 1,202 |
| Noninterest expense to average assets | 2.9977% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8991% | 2,586 |
| Return on assets (ROA) | 0.8991% | 2,557 |
| Pretax return on assets | 0.9595% | 2,873 |
| Return on Equity (ROE) | 9.5359% | 2,515 |
| Retained earnings to average equity (ytd only) | -7.1138% | 4,596 |
| Net charge-offs to loans | -0.0346% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7185% | 1,316 |
| Assets per employee ($millions) | 3.6920% | 4,493 |
| Cash dividends to net income (ytd only)* | 174.5999% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 916 |
| Loan loss allowance to noncurrent loans | 404.6667% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 2,089 |
| Noncurrent loans to loans | 0.4274% | 1,840 |
| Net loans and leases to total assets | 56.8647% | 2,658 |
| Net loans and leases to deposits | 62.4760% | 2,851 |
| Net loans and leases to core deposits | 64.8758% | 2,903 |
| Total domestic deposits to total assets | 91.0185% | 1,237 |
| Equity capital to assets | 8.8218% | 2,520 |
| Core capital (leverage) ratio | 9.8938% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,868,667 | 1,934 |
| Average earning assets | $400,145,667 | 1,943 |
| Average equity | $40,625,333 | 1,971 |
| Average total loans | $242,822,667 | 1,981 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 1,472 |
| Cost of funding earning assets | 0.3194% | 1,471 |
| Net interest margin | 3.2931% | 1,583 |
| Noninterest income to average assets | 0.8709% | 886 |
| Noninterest expense to average assets | 3.0561% | 749 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8285% | 2,561 |
| Return on assets (ROA) | 0.8285% | 2,556 |
| Pretax return on assets | 0.8746% | 2,874 |
| Return on Equity (ROE) | 8.5193% | 2,504 |
| Retained earnings to average equity (ytd only) | -19.9100% | 4,699 |
| Net charge-offs to loans | -0.0050% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7257% | 1,336 |
| Assets per employee ($millions) | 3.8566% | 4,453 |
| Cash dividends to net income (ytd only)* | 333.7041% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 924 |
| Loan loss allowance to noncurrent loans | 385.6227% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 1,985 |
| Noncurrent loans to loans | 0.4590% | 1,876 |
| Net loans and leases to total assets | 54.5884% | 2,677 |
| Net loans and leases to deposits | 60.1305% | 2,896 |
| Net loans and leases to core deposits | 62.3049% | 2,946 |
| Total domestic deposits to total assets | 90.7833% | 1,141 |
| Equity capital to assets | 9.0906% | 2,632 |
| Core capital (leverage) ratio | 9.5029% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,011,500 | 1,931 |
| Average earning assets | $403,270,500 | 1,942 |
| Average equity | $42,210,000 | 1,971 |
| Average total loans | $241,390,500 | 1,982 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 967 |
| Cost of funding earning assets | 0.3444% | 1,991 |
| Net interest margin | 3.8718% | 884 |
| Noninterest income to average assets | 1.2057% | 727 |
| Noninterest expense to average assets | 3.0515% | 917 |
| Loan and lease loss provision to assets | 0.1084% | 1,164 |
| Net operating income to assets | 1.5180% | 977 |
| Return on assets (ROA) | 1.5180% | 1,015 |
| Pretax return on assets | 1.6307% | 1,337 |
| Return on Equity (ROE) | 14.0644% | 1,168 |
| Retained earnings to average equity (ytd only) | 2.1042% | 3,961 |
| Net charge-offs to loans | -0.0004% | 3,223 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4709% | 2,645 |
| Assets per employee ($millions) | 3.8591% | 4,467 |
| Cash dividends to net income (ytd only)* | 85.0389% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 1,012 |
| Loan loss allowance to noncurrent loans | 356.0068% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 2,024 |
| Noncurrent loans to loans | 0.4827% | 1,920 |
| Net loans and leases to total assets | 54.7071% | 2,764 |
| Net loans and leases to deposits | 61.0714% | 2,983 |
| Net loans and leases to core deposits | 63.0890% | 3,061 |
| Total domestic deposits to total assets | 89.5789% | 1,187 |
| Equity capital to assets | 10.3434% | 2,326 |
| Core capital (leverage) ratio | 10.0958% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,209,800 | 1,946 |
| Average earning assets | $384,450,800 | 1,954 |
| Average equity | $44,815,400 | 1,931 |
| Average total loans | $242,570,600 | 1,979 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 918 |
| Cost of funding earning assets | 0.3487% | 2,129 |
| Net interest margin | 3.9760% | 828 |
| Noninterest income to average assets | 1.2612% | 735 |
| Noninterest expense to average assets | 3.1238% | 787 |
| Loan and lease loss provision to assets | 0.1222% | 958 |
| Net operating income to assets | 1.6967% | 835 |
| Return on assets (ROA) | 1.6967% | 877 |
| Pretax return on assets | 1.6983% | 1,408 |
| Return on Equity (ROE) | 15.5452% | 1,030 |
| Retained earnings to average equity (ytd only) | 1.1170% | 4,390 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8890% | 2,554 |
| Assets per employee ($millions) | 4.1898% | 4,337 |
| Cash dividends to net income (ytd only)* | 92.8146% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,091 |
| Loan loss allowance to noncurrent loans | 301.9737% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 1,928 |
| Noncurrent loans to loans | 0.5667% | 1,893 |
| Net loans and leases to total assets | 54.9767% | 2,853 |
| Net loans and leases to deposits | 61.5973% | 3,083 |
| Net loans and leases to core deposits | 63.6698% | 3,170 |
| Total domestic deposits to total assets | 89.2518% | 1,148 |
| Equity capital to assets | 10.5411% | 2,425 |
| Core capital (leverage) ratio | 10.1930% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,026,500 | 1,978 |
| Average earning assets | $378,897,500 | 1,993 |
| Average equity | $44,643,000 | 1,962 |
| Average total loans | $241,991,250 | 2,013 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 1,197 |
| Cost of funding earning assets | 0.3521% | 2,303 |
| Net interest margin | 3.8433% | 1,079 |
| Noninterest income to average assets | 1.3564% | 646 |
| Noninterest expense to average assets | 3.1291% | 805 |
| Loan and lease loss provision to assets | 0.1494% | 796 |
| Net operating income to assets | 1.6308% | 985 |
| Return on assets (ROA) | 1.6308% | 1,038 |
| Pretax return on assets | 1.6333% | 1,647 |
| Return on Equity (ROE) | 14.7608% | 1,216 |
| Retained earnings to average equity (ytd only) | -7.0197% | 4,829 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3202% | 2,518 |
| Assets per employee ($millions) | 4.0664% | 4,410 |
| Cash dividends to net income (ytd only)* | 147.5565% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 1,107 |
| Loan loss allowance to noncurrent loans | 288.6833% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 1,953 |
| Noncurrent loans to loans | 0.5820% | 1,945 |
| Net loans and leases to total assets | 57.7872% | 2,700 |
| Net loans and leases to deposits | 64.8612% | 2,913 |
| Net loans and leases to core deposits | 67.2739% | 3,014 |
| Total domestic deposits to total assets | 89.0936% | 1,232 |
| Equity capital to assets | 10.6067% | 2,303 |
| Core capital (leverage) ratio | 10.0819% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,518,667 | 1,999 |
| Average earning assets | $371,455,333 | 2,014 |
| Average equity | $44,360,667 | 1,957 |
| Average total loans | $242,194,000 | 2,015 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 1,077 |
| Cost of funding earning assets | 0.3521% | 2,501 |
| Net interest margin | 3.9268% | 944 |
| Noninterest income to average assets | 1.4713% | 622 |
| Noninterest expense to average assets | 3.0031% | 985 |
| Loan and lease loss provision to assets | 0.1512% | 863 |
| Net operating income to assets | 1.9470% | 611 |
| Return on assets (ROA) | 1.9470% | 657 |
| Pretax return on assets | 1.9470% | 1,034 |
| Return on Equity (ROE) | 17.2654% | 809 |
| Retained earnings to average equity (ytd only) | -14.3610% | 4,871 |
| Net charge-offs to loans | -0.0099% | 3,659 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4947% | 3,236 |
| Assets per employee ($millions) | 3.8686% | 4,554 |
| Cash dividends to net income (ytd only)* | 183.1781% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,205 |
| Loan loss allowance to noncurrent loans | 237.3786% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 2,008 |
| Noncurrent loans to loans | 0.6881% | 1,863 |
| Net loans and leases to total assets | 57.4480% | 2,863 |
| Net loans and leases to deposits | 64.3971% | 3,092 |
| Net loans and leases to core deposits | 66.3742% | 3,209 |
| Total domestic deposits to total assets | 89.2090% | 1,231 |
| Equity capital to assets | 10.5711% | 2,194 |
| Core capital (leverage) ratio | 10.4286% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,927,000 | 2,005 |
| Average earning assets | $366,915,500 | 2,016 |
| Average equity | $44,760,000 | 1,927 |
| Average total loans | $242,596,500 | 2,010 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 885 |
| Cost of funding earning assets | 0.5017% | 2,938 |
| Net interest margin | 4.2040% | 631 |
| Noninterest income to average assets | 1.6639% | 453 |
| Noninterest expense to average assets | 3.4463% | 748 |
| Loan and lease loss provision to assets | 0.2175% | 1,806 |
| Net operating income to assets | 1.8547% | 347 |
| Return on assets (ROA) | 1.8547% | 370 |
| Pretax return on assets | 1.8590% | 600 |
| Return on Equity (ROE) | 14.9474% | 649 |
| Retained earnings to average equity (ytd only) | 5.8704% | 1,861 |
| Net charge-offs to loans | 0.0182% | 2,717 |
| Credit loss provision to net charge-offs | 1,722.2222% | 495 |
| Earnings coverage of net charge-offs (x) | 164.4444% | 532 |
| Efficiency ratio | 61.8890% | 3,158 |
| Assets per employee ($millions) | 3.4889% | 4,655 |
| Cash dividends to net income (ytd only)* | 60.7262% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,486 |
| Loan loss allowance to noncurrent loans | 186.8657% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 1,773 |
| Noncurrent loans to loans | 0.8181% | 1,709 |
| Net loans and leases to total assets | 63.0428% | 2,484 |
| Net loans and leases to deposits | 71.8095% | 2,704 |
| Net loans and leases to core deposits | 73.8776% | 2,924 |
| Total domestic deposits to total assets | 87.7918% | 1,572 |
| Equity capital to assets | 12.0305% | 1,550 |
| Core capital (leverage) ratio | 11.2806% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,382,600 | 2,019 |
| Average earning assets | $327,120,400 | 2,043 |
| Average equity | $44,221,800 | 1,872 |
| Average total loans | $247,294,600 | 1,935 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 843 |
| Cost of funding earning assets | 0.5370% | 3,009 |
| Net interest margin | 4.2911% | 595 |
| Noninterest income to average assets | 1.6719% | 421 |
| Noninterest expense to average assets | 3.3774% | 817 |
| Loan and lease loss provision to assets | 0.2003% | 1,990 |
| Net operating income to assets | 2.0236% | 281 |
| Return on assets (ROA) | 2.0236% | 308 |
| Pretax return on assets | 2.0293% | 489 |
| Return on Equity (ROE) | 16.1729% | 533 |
| Retained earnings to average equity (ytd only) | 3.9358% | 3,083 |
| Net charge-offs to loans | 0.0188% | 2,482 |
| Credit loss provision to net charge-offs | 1,500.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 558 |
| Efficiency ratio | 59.6843% | 3,431 |
| Assets per employee ($millions) | 3.5359% | 4,643 |
| Cash dividends to net income (ytd only)* | 75.6645% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,705 |
| Loan loss allowance to noncurrent loans | 206.2757% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 2,096 |
| Noncurrent loans to loans | 0.6827% | 2,085 |
| Net loans and leases to total assets | 65.0848% | 2,632 |
| Net loans and leases to deposits | 74.8266% | 2,876 |
| Net loans and leases to core deposits | 77.7086% | 3,036 |
| Total domestic deposits to total assets | 86.9809% | 1,680 |
| Equity capital to assets | 11.8812% | 1,748 |
| Core capital (leverage) ratio | 11.1334% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,532,750 | 2,033 |
| Average earning assets | $320,532,750 | 2,055 |
| Average equity | $43,734,500 | 1,874 |
| Average total loans | $247,692,500 | 1,935 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 872 |
| Cost of funding earning assets | 0.5787% | 3,091 |
| Net interest margin | 4.3939% | 628 |
| Noninterest income to average assets | 1.5856% | 410 |
| Noninterest expense to average assets | 3.4130% | 837 |
| Loan and lease loss provision to assets | 0.1324% | 2,693 |
| Net operating income to assets | 2.0522% | 295 |
| Return on assets (ROA) | 2.0522% | 330 |
| Pretax return on assets | 2.0610% | 485 |
| Return on Equity (ROE) | 16.1001% | 547 |
| Retained earnings to average equity (ytd only) | 1.7540% | 3,853 |
| Net charge-offs to loans | 0.0291% | 2,135 |
| Credit loss provision to net charge-offs | 625.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 103.5556% | 687 |
| Efficiency ratio | 60.2687% | 3,381 |
| Assets per employee ($millions) | 3.5815% | 4,621 |
| Cash dividends to net income (ytd only)* | 89.1055% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,087 |
| Loan loss allowance to noncurrent loans | 145.4093% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 1,756 |
| Noncurrent loans to loans | 0.8822% | 1,730 |
| Net loans and leases to total assets | 68.3945% | 2,285 |
| Net loans and leases to deposits | 78.9129% | 2,552 |
| Net loans and leases to core deposits | 82.8628% | 2,709 |
| Total domestic deposits to total assets | 86.6709% | 1,746 |
| Equity capital to assets | 12.1730% | 1,553 |
| Core capital (leverage) ratio | 11.6111% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,931,333 | 2,049 |
| Average earning assets | $311,067,333 | 2,068 |
| Average equity | $43,329,000 | 1,874 |
| Average total loans | $247,004,333 | 1,924 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 756 |
| Cost of funding earning assets | 0.6326% | 3,255 |
| Net interest margin | 4.4962% | 506 |
| Noninterest income to average assets | 0.8437% | 1,178 |
| Noninterest expense to average assets | 3.2410% | 1,336 |
| Loan and lease loss provision to assets | 0.0304% | 3,397 |
| Net operating income to assets | 1.6850% | 529 |
| Return on assets (ROA) | 1.6850% | 582 |
| Pretax return on assets | 1.6850% | 878 |
| Return on Equity (ROE) | 12.9001% | 899 |
| Retained earnings to average equity (ytd only) | -5.7148% | 4,567 |
| Net charge-offs to loans | -0.0033% | 3,743 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6309% | 3,124 |
| Assets per employee ($millions) | 3.1527% | 4,723 |
| Cash dividends to net income (ytd only)* | 144.3001% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,334 |
| Loan loss allowance to noncurrent loans | 91.4072% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 1,152 |
| Noncurrent loans to loans | 1.3792% | 1,165 |
| Net loans and leases to total assets | 72.2329% | 1,881 |
| Net loans and leases to deposits | 83.9774% | 2,229 |
| Net loans and leases to core deposits | 88.9419% | 2,452 |
| Total domestic deposits to total assets | 86.0146% | 1,998 |
| Equity capital to assets | 12.9166% | 1,476 |
| Core capital (leverage) ratio | 12.0844% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,030,000 | 2,047 |
| Average earning assets | $300,965,500 | 2,071 |
| Average equity | $42,976,500 | 1,881 |
| Average total loans | $245,196,000 | 1,895 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 699 |
| Cost of funding earning assets | 0.6551% | 3,385 |
| Net interest margin | 4.7237% | 444 |
| Noninterest income to average assets | 1.1126% | 769 |
| Noninterest expense to average assets | 3.4635% | 1,012 |
| Loan and lease loss provision to assets | 0.0467% | 3,094 |
| Net operating income to assets | 1.9338% | 405 |
| Return on assets (ROA) | 1.9378% | 418 |
| Pretax return on assets | 1.9385% | 682 |
| Return on Equity (ROE) | 15.1963% | 652 |
| Retained earnings to average equity (ytd only) | 7.8289% | 1,032 |
| Net charge-offs to loans | 0.0542% | 2,324 |
| Credit loss provision to net charge-offs | 113.6364% | 2,211 |
| Earnings coverage of net charge-offs (x) | 48.2121% | 1,155 |
| Efficiency ratio | 62.7101% | 3,261 |
| Assets per employee ($millions) | 3.2379% | 4,679 |
| Cash dividends to net income (ytd only)* | 48.4819% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,326 |
| Loan loss allowance to noncurrent loans | 118.1960% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 1,425 |
| Noncurrent loans to loans | 1.0317% | 1,471 |
| Net loans and leases to total assets | 74.9777% | 1,589 |
| Net loans and leases to deposits | 87.4427% | 1,920 |
| Net loans and leases to core deposits | 92.2706% | 2,209 |
| Total domestic deposits to total assets | 85.7450% | 2,165 |
| Equity capital to assets | 13.2083% | 1,412 |
| Core capital (leverage) ratio | 12.3000% | 1,594 |
| Tier 1 risk-based capital ratio | 15.7695% | 2,483 |
| Total risk-based capital ratio | 16.9675% | 2,432 |
| Memoranda: | ||
| Average total assets | $321,235,800 | 2,031 |
| Average earning assets | $294,597,800 | 2,061 |
| Average equity | $40,963,800 | 1,889 |
| Average total loans | $243,614,600 | 1,867 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 748 |
| Cost of funding earning assets | 0.6516% | 3,446 |
| Net interest margin | 4.7174% | 480 |
| Noninterest income to average assets | 1.0974% | 762 |
| Noninterest expense to average assets | 3.3605% | 1,157 |
| Loan and lease loss provision to assets | 0.0625% | 2,647 |
| Net operating income to assets | 2.0021% | 396 |
| Return on assets (ROA) | 2.0050% | 408 |
| Pretax return on assets | 2.0059% | 673 |
| Return on Equity (ROE) | 15.8685% | 631 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,414 |
| Net charge-offs to loans | 0.0698% | 1,828 |
| Credit loss provision to net charge-offs | 118.1102% | 1,981 |
| Earnings coverage of net charge-offs (x) | 39.0077% | 1,394 |
| Efficiency ratio | 60.9805% | 3,477 |
| Assets per employee ($millions) | 3.0974% | 4,838 |
| Cash dividends to net income (ytd only)* | 62.7573% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,361 |
| Loan loss allowance to noncurrent loans | 101.7456% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 1,301 |
| Noncurrent loans to loans | 1.2051% | 1,301 |
| Net loans and leases to total assets | 75.0725% | 1,636 |
| Net loans and leases to deposits | 87.3000% | 2,021 |
| Net loans and leases to core deposits | 92.0893% | 2,355 |
| Total domestic deposits to total assets | 85.9936% | 2,002 |
| Equity capital to assets | 12.8690% | 1,699 |
| Core capital (leverage) ratio | 11.9406% | 1,893 |
| Tier 1 risk-based capital ratio | 15.1379% | 2,788 |
| Total risk-based capital ratio | 16.3328% | 2,740 |
| Memoranda: | ||
| Average total assets | $319,787,750 | 2,051 |
| Average earning assets | $293,433,250 | 2,080 |
| Average equity | $40,406,000 | 1,920 |
| Average total loans | $242,462,000 | 1,880 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 781 |
| Cost of funding earning assets | 0.6431% | 3,447 |
| Net interest margin | 4.6773% | 517 |
| Noninterest income to average assets | 1.0240% | 835 |
| Noninterest expense to average assets | 3.3726% | 1,147 |
| Loan and lease loss provision to assets | 0.0943% | 1,967 |
| Net operating income to assets | 1.8467% | 543 |
| Return on assets (ROA) | 1.8467% | 564 |
| Pretax return on assets | 1.8480% | 936 |
| Return on Equity (ROE) | 14.7082% | 825 |
| Retained earnings to average equity (ytd only) | 2.9156% | 3,758 |
| Net charge-offs to loans | 0.0947% | 1,419 |
| Credit loss provision to net charge-offs | 131.5789% | 1,651 |
| Earnings coverage of net charge-offs (x) | 27.0877% | 1,554 |
| Efficiency ratio | 62.4379% | 3,358 |
| Assets per employee ($millions) | 3.0058% | 4,906 |
| Cash dividends to net income (ytd only)* | 80.1771% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,297 |
| Loan loss allowance to noncurrent loans | 105.9540% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 1,373 |
| Noncurrent loans to loans | 1.1714% | 1,376 |
| Net loans and leases to total assets | 75.9981% | 1,547 |
| Net loans and leases to deposits | 88.2048% | 1,977 |
| Net loans and leases to core deposits | 93.5040% | 2,281 |
| Total domestic deposits to total assets | 86.1609% | 1,950 |
| Equity capital to assets | 12.7415% | 1,729 |
| Core capital (leverage) ratio | 11.8108% | 1,939 |
| Tier 1 risk-based capital ratio | 14.6506% | 2,995 |
| Total risk-based capital ratio | 15.8506% | 2,942 |
| Memoranda: | ||
| Average total assets | $317,973,330 | 2,061 |
| Average earning assets | $291,707,330 | 2,090 |
| Average equity | $39,923,330 | 1,936 |
| Average total loans | $240,886,000 | 1,894 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 829 |
| Cost of funding earning assets | 0.6230% | 3,444 |
| Net interest margin | 4.6233% | 579 |
| Noninterest income to average assets | 0.8613% | 1,140 |
| Noninterest expense to average assets | 3.3571% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7466% | 666 |
| Return on assets (ROA) | 1.7466% | 688 |
| Pretax return on assets | 1.7466% | 1,100 |
| Return on Equity (ROE) | 14.0147% | 968 |
| Retained earnings to average equity (ytd only) | -1.1418% | 4,665 |
| Net charge-offs to loans | 0.0168% | 2,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 138.7000% | 537 |
| Efficiency ratio | 64.6681% | 3,139 |
| Assets per employee ($millions) | 2.9449% | 5,003 |
| Cash dividends to net income (ytd only)* | 108.1471% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,339 |
| Loan loss allowance to noncurrent loans | 91.5140% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 1,189 |
| Noncurrent loans to loans | 1.3627% | 1,188 |
| Net loans and leases to total assets | 74.6464% | 1,698 |
| Net loans and leases to deposits | 86.8485% | 2,018 |
| Net loans and leases to core deposits | 92.0811% | 2,292 |
| Total domestic deposits to total assets | 85.9501% | 2,304 |
| Equity capital to assets | 12.4759% | 1,749 |
| Core capital (leverage) ratio | 11.6949% | 1,989 |
| Tier 1 risk-based capital ratio | 14.6014% | 3,060 |
| Total risk-based capital ratio | 15.8035% | 3,005 |
| Memoranda: | ||
| Average total assets | $317,654,000 | 2,074 |
| Average earning assets | $291,483,000 | 2,101 |
| Average equity | $39,587,000 | 1,938 |
| Average total loans | $238,738,000 | 1,925 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2467% | 641 |
| Cost of funding earning assets | 0.5744% | 2,890 |
| Net interest margin | 4.6723% | 516 |
| Noninterest income to average assets | 0.9476% | 1,068 |
| Noninterest expense to average assets | 3.3252% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8210% | 528 |
| Return on assets (ROA) | 1.8210% | 525 |
| Pretax return on assets | 1.8229% | 864 |
| Return on Equity (ROE) | 15.3416% | 757 |
| Retained earnings to average equity (ytd only) | 7.1250% | 1,614 |
| Net charge-offs to loans | 0.0736% | 2,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 33.8947% | 1,481 |
| Efficiency ratio | 63.2843% | 3,288 |
| Assets per employee ($millions) | 2.8842% | 5,053 |
| Cash dividends to net income (ytd only)* | 53.5579% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,203 |
| Loan loss allowance to noncurrent loans | 112.6592% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 1,433 |
| Noncurrent loans to loans | 1.1263% | 1,426 |
| Net loans and leases to total assets | 73.7751% | 1,974 |
| Net loans and leases to deposits | 85.2855% | 2,379 |
| Net loans and leases to core deposits | 90.4863% | 2,529 |
| Total domestic deposits to total assets | 86.5036% | 2,017 |
| Equity capital to assets | 12.4487% | 1,607 |
| Core capital (leverage) ratio | 11.6727% | 1,976 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,072 |
| Total risk-based capital ratio | 15.6681% | 3,022 |
| Memoranda: | ||
| Average total assets | $317,962,200 | 2,052 |
| Average earning assets | $285,857,600 | 2,098 |
| Average equity | $37,740,600 | 1,950 |
| Average total loans | $232,239,000 | 1,932 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 641 |
| Cost of funding earning assets | 0.5629% | 2,764 |
| Net interest margin | 4.6262% | 562 |
| Noninterest income to average assets | 0.9576% | 1,042 |
| Noninterest expense to average assets | 3.2878% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8046% | 595 |
| Return on assets (ROA) | 1.8046% | 599 |
| Pretax return on assets | 1.8067% | 996 |
| Return on Equity (ROE) | 15.3911% | 805 |
| Retained earnings to average equity (ytd only) | 5.6546% | 2,851 |
| Net charge-offs to loans | 0.0779% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 31.9326% | 1,554 |
| Efficiency ratio | 63.1705% | 3,307 |
| Assets per employee ($millions) | 2.7896% | 5,159 |
| Cash dividends to net income (ytd only)* | 63.2606% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,146 |
| Loan loss allowance to noncurrent loans | 92.8049% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 1,226 |
| Noncurrent loans to loans | 1.3891% | 1,197 |
| Net loans and leases to total assets | 73.9418% | 1,994 |
| Net loans and leases to deposits | 84.3269% | 2,560 |
| Net loans and leases to core deposits | 90.2352% | 2,642 |
| Total domestic deposits to total assets | 87.6847% | 1,402 |
| Equity capital to assets | 12.1180% | 1,829 |
| Core capital (leverage) ratio | 11.2034% | 2,411 |
| Tier 1 risk-based capital ratio | 14.3329% | 3,197 |
| Total risk-based capital ratio | 15.5679% | 3,125 |
| Memoranda: | ||
| Average total assets | $318,137,000 | 2,068 |
| Average earning assets | $284,485,500 | 2,119 |
| Average equity | $37,302,000 | 1,973 |
| Average total loans | $231,031,500 | 1,946 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 611 |
| Cost of funding earning assets | 0.5662% | 2,464 |
| Net interest margin | 4.5776% | 585 |
| Noninterest income to average assets | 0.8749% | 1,254 |
| Noninterest expense to average assets | 3.2766% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6540% | 795 |
| Return on assets (ROA) | 1.6540% | 806 |
| Pretax return on assets | 1.6571% | 1,325 |
| Return on Equity (ROE) | 14.2637% | 1,020 |
| Retained earnings to average equity (ytd only) | 2.8214% | 4,126 |
| Net charge-offs to loans | 0.1116% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.6563% | 1,798 |
| Efficiency ratio | 64.9644% | 3,164 |
| Assets per employee ($millions) | 2.6977% | 5,265 |
| Cash dividends to net income (ytd only)* | 80.2198% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 1,938 |
| Loan loss allowance to noncurrent loans | 100.5933% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 1,386 |
| Noncurrent loans to loans | 1.3438% | 1,264 |
| Net loans and leases to total assets | 71.1750% | 2,414 |
| Net loans and leases to deposits | 80.9320% | 2,862 |
| Net loans and leases to core deposits | 86.3969% | 2,890 |
| Total domestic deposits to total assets | 87.9442% | 1,410 |
| Equity capital to assets | 11.9248% | 1,902 |
| Core capital (leverage) ratio | 10.9385% | 2,571 |
| Tier 1 risk-based capital ratio | 14.3276% | 3,193 |
| Total risk-based capital ratio | 15.5779% | 3,116 |
| Memoranda: | ||
| Average total assets | $319,107,670 | 2,070 |
| Average earning assets | $282,942,000 | 2,140 |
| Average equity | $37,003,000 | 1,986 |
| Average total loans | $229,333,000 | 1,958 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 630 |
| Cost of funding earning assets | 0.5596% | 2,322 |
| Net interest margin | 4.4881% | 636 |
| Noninterest income to average assets | 0.6642% | 1,984 |
| Noninterest expense to average assets | 3.2167% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4203% | 1,287 |
| Return on assets (ROA) | 1.4203% | 1,292 |
| Pretax return on assets | 1.4203% | 1,934 |
| Return on Equity (ROE) | 12.4193% | 1,430 |
| Retained earnings to average equity (ytd only) | -3.8647% | 5,132 |
| Net charge-offs to loans | 0.3098% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.3911% | 2,164 |
| Efficiency ratio | 67.7912% | 2,867 |
| Assets per employee ($millions) | 3.0132% | 5,143 |
| Cash dividends to net income (ytd only)* | 131.1189% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,233 |
| Loan loss allowance to noncurrent loans | 78.5958% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 1,038 |
| Noncurrent loans to loans | 1.6567% | 1,040 |
| Net loans and leases to total assets | 70.5293% | 2,390 |
| Net loans and leases to deposits | 81.0845% | 2,688 |
| Net loans and leases to core deposits | 86.6161% | 2,753 |
| Total domestic deposits to total assets | 86.9825% | 2,131 |
| Equity capital to assets | 11.3200% | 2,286 |
| Core capital (leverage) ratio | 10.4975% | 2,946 |
| Tier 1 risk-based capital ratio | 13.5080% | 3,648 |
| Total risk-based capital ratio | 14.7255% | 3,584 |
| Memoranda: | ||
| Average total assets | $322,193,000 | 2,063 |
| Average earning assets | $285,198,500 | 2,153 |
| Average equity | $36,846,000 | 2,006 |
| Average total loans | $231,107,000 | 1,956 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 541 |
| Cost of funding earning assets | 0.5500% | 1,952 |
| Net interest margin | 4.5424% | 559 |
| Noninterest income to average assets | 1.0288% | 964 |
| Noninterest expense to average assets | 3.3555% | 1,282 |
| Loan and lease loss provision to assets | 0.0155% | 3,983 |
| Net operating income to assets | 1.7344% | 489 |
| Return on assets (ROA) | 1.7325% | 503 |
| Pretax return on assets | 1.7325% | 934 |
| Return on Equity (ROE) | 15.6270% | 525 |
| Retained earnings to average equity (ytd only) | 6.0353% | 1,520 |
| Net charge-offs to loans | -0.0968% | 5,364 |
| Credit loss provision to net charge-offs | -22.4215% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0822% | 3,588 |
| Assets per employee ($millions) | 2.9270% | 5,248 |
| Cash dividends to net income (ytd only)* | 61.3791% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,877 |
| Loan loss allowance to noncurrent loans | 95.3223% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.2914% | 1,125 |
| Noncurrent loans to loans | 1.4386% | 1,191 |
| Net loans and leases to total assets | 71.0119% | 2,374 |
| Net loans and leases to deposits | 81.8012% | 2,739 |
| Net loans and leases to core deposits | 87.5754% | 2,758 |
| Total domestic deposits to total assets | 86.8104% | 2,082 |
| Equity capital to assets | 11.5522% | 2,156 |
| Core capital (leverage) ratio | 10.6591% | 2,687 |
| Tier 1 risk-based capital ratio | 13.3900% | 3,695 |
| Total risk-based capital ratio | 14.6399% | 3,601 |
| Memoranda: | ||
| Average total assets | $323,110,400 | 2,049 |
| Average earning assets | $289,978,400 | 2,099 |
| Average equity | $35,822,600 | 2,035 |
| Average total loans | $230,378,200 | 1,936 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 578 |
| Cost of funding earning assets | 0.5501% | 1,889 |
| Net interest margin | 4.4772% | 630 |
| Noninterest income to average assets | 1.0089% | 1,004 |
| Noninterest expense to average assets | 3.3329% | 1,274 |
| Loan and lease loss provision to assets | 0.0206% | 3,735 |
| Net operating income to assets | 1.6784% | 605 |
| Return on assets (ROA) | 1.6755% | 628 |
| Pretax return on assets | 1.6755% | 1,181 |
| Return on Equity (ROE) | 15.2723% | 621 |
| Retained earnings to average equity (ytd only) | 4.5546% | 3,184 |
| Net charge-offs to loans | -0.1623% | 5,491 |
| Credit loss provision to net charge-offs | -17.8571% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5227% | 3,446 |
| Assets per employee ($millions) | 3.0240% | 5,244 |
| Cash dividends to net income (ytd only)* | 70.1772% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,857 |
| Loan loss allowance to noncurrent loans | 130.6419% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 1,581 |
| Noncurrent loans to loans | 1.0767% | 1,787 |
| Net loans and leases to total assets | 69.4525% | 2,641 |
| Net loans and leases to deposits | 79.7621% | 2,996 |
| Net loans and leases to core deposits | 85.3820% | 3,019 |
| Total domestic deposits to total assets | 87.0746% | 1,842 |
| Equity capital to assets | 11.2040% | 2,666 |
| Core capital (leverage) ratio | 10.0732% | 3,476 |
| Tier 1 risk-based capital ratio | 13.2083% | 3,873 |
| Total risk-based capital ratio | 14.4590% | 3,787 |
| Memoranda: | ||
| Average total assets | $323,394,500 | 2,062 |
| Average earning assets | $290,592,750 | 2,107 |
| Average equity | $35,479,500 | 2,059 |
| Average total loans | $230,018,000 | 1,948 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 596 |
| Cost of funding earning assets | 0.5497% | 1,779 |
| Net interest margin | 4.4145% | 684 |
| Noninterest income to average assets | 0.9270% | 1,192 |
| Noninterest expense to average assets | 3.3643% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5345% | 805 |
| Return on assets (ROA) | 1.5301% | 833 |
| Pretax return on assets | 1.5301% | 1,544 |
| Return on Equity (ROE) | 14.0477% | 803 |
| Retained earnings to average equity (ytd only) | 0.6152% | 4,949 |
| Net charge-offs to loans | -0.2452% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8651% | 3,202 |
| Assets per employee ($millions) | 2.8329% | 5,398 |
| Cash dividends to net income (ytd only)* | 95.6204% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 2,011 |
| Loan loss allowance to noncurrent loans | 129.4356% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 1,687 |
| Noncurrent loans to loans | 1.0704% | 1,830 |
| Net loans and leases to total assets | 70.8865% | 2,393 |
| Net loans and leases to deposits | 81.3439% | 2,761 |
| Net loans and leases to core deposits | 87.7435% | 2,724 |
| Total domestic deposits to total assets | 87.1442% | 1,885 |
| Equity capital to assets | 11.1186% | 2,684 |
| Core capital (leverage) ratio | 10.0350% | 3,496 |
| Tier 1 risk-based capital ratio | 12.9721% | 4,013 |
| Total risk-based capital ratio | 14.2229% | 3,936 |
| Memoranda: | ||
| Average total assets | $322,329,330 | 2,069 |
| Average earning assets | $290,000,000 | 2,112 |
| Average equity | $35,109,000 | 2,070 |
| Average total loans | $230,003,670 | 1,942 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 617 |
| Cost of funding earning assets | 0.5657% | 1,615 |
| Net interest margin | 4.3438% | 713 |
| Noninterest income to average assets | 0.8657% | 1,344 |
| Noninterest expense to average assets | 3.3503% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4086% | 981 |
| Return on assets (ROA) | 1.4086% | 1,012 |
| Pretax return on assets | 1.4086% | 1,857 |
| Return on Equity (ROE) | 13.0666% | 985 |
| Retained earnings to average equity (ytd only) | -4.1414% | 5,336 |
| Net charge-offs to loans | -0.4975% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5031% | 3,121 |
| Assets per employee ($millions) | 2.9512% | 5,392 |
| Cash dividends to net income (ytd only)* | 131.6945% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 2,070 |
| Loan loss allowance to noncurrent loans | 121.5455% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 1,717 |
| Noncurrent loans to loans | 1.1532% | 1,763 |
| Net loans and leases to total assets | 70.4716% | 2,300 |
| Net loans and leases to deposits | 80.7214% | 2,649 |
| Net loans and leases to core deposits | 87.2541% | 2,616 |
| Total domestic deposits to total assets | 87.3023% | 2,071 |
| Equity capital to assets | 10.9150% | 2,727 |
| Core capital (leverage) ratio | 9.6782% | 3,892 |
| Tier 1 risk-based capital ratio | 12.8348% | 4,177 |
| Total risk-based capital ratio | 14.0854% | 4,078 |
| Memoranda: | ||
| Average total assets | $323,437,500 | 2,078 |
| Average earning assets | $289,884,000 | 2,133 |
| Average equity | $34,867,500 | 2,087 |
| Average total loans | $229,953,000 | 1,956 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 521 |
| Cost of funding earning assets | 0.5519% | 1,672 |
| Net interest margin | 4.5232% | 595 |
| Noninterest income to average assets | 1.0708% | 985 |
| Noninterest expense to average assets | 3.2589% | 1,670 |
| Loan and lease loss provision to assets | 0.1705% | 1,430 |
| Net operating income to assets | 1.6784% | 576 |
| Return on assets (ROA) | 1.6688% | 612 |
| Pretax return on assets | 1.7221% | 943 |
| Return on Equity (ROE) | 15.7214% | 534 |
| Retained earnings to average equity (ytd only) | 8.3236% | 756 |
| Net charge-offs to loans | 0.0255% | 3,530 |
| Credit loss provision to net charge-offs | 932.2034% | 406 |
| Earnings coverage of net charge-offs (x) | 104.0169% | 580 |
| Efficiency ratio | 61.1869% | 4,383 |
| Assets per employee ($millions) | 2.8785% | 5,439 |
| Cash dividends to net income (ytd only)* | 47.0555% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,802 |
| Loan loss allowance to noncurrent loans | 113.7378% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 1,779 |
| Noncurrent loans to loans | 1.1008% | 1,889 |
| Net loans and leases to total assets | 69.8450% | 2,504 |
| Net loans and leases to deposits | 80.2144% | 2,867 |
| Net loans and leases to core deposits | 88.4202% | 2,637 |
| Total domestic deposits to total assets | 87.0729% | 2,105 |
| Equity capital to assets | 10.6495% | 2,979 |
| Core capital (leverage) ratio | 9.8011% | 3,747 |
| Tier 1 risk-based capital ratio | 12.6317% | 4,301 |
| Total risk-based capital ratio | 13.7983% | 4,244 |
| Memoranda: | ||
| Average total assets | $322,565,600 | 2,044 |
| Average earning assets | $291,720,800 | 2,087 |
| Average equity | $34,240,000 | 2,124 |
| Average total loans | $231,563,600 | 1,896 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 511 |
| Cost of funding earning assets | 0.5526% | 1,666 |
| Net interest margin | 4.5356% | 579 |
| Noninterest income to average assets | 1.0366% | 1,057 |
| Noninterest expense to average assets | 3.2555% | 1,662 |
| Loan and lease loss provision to assets | 0.1868% | 1,169 |
| Net operating income to assets | 1.6384% | 672 |
| Return on assets (ROA) | 1.6257% | 731 |
| Pretax return on assets | 1.6971% | 1,125 |
| Return on Equity (ROE) | 15.3278% | 630 |
| Retained earnings to average equity (ytd only) | 11.4137% | 372 |
| Net charge-offs to loans | 0.0323% | 3,000 |
| Credit loss provision to net charge-offs | 803.5714% | 502 |
| Earnings coverage of net charge-offs (x) | 81.6124% | 768 |
| Efficiency ratio | 61.1747% | 4,359 |
| Assets per employee ($millions) | 3.0756% | 5,311 |
| Cash dividends to net income (ytd only)* | 25.5363% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,182 |
| Loan loss allowance to noncurrent loans | 88.2224% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 1,568 |
| Noncurrent loans to loans | 1.3704% | 1,609 |
| Net loans and leases to total assets | 71.0739% | 2,337 |
| Net loans and leases to deposits | 82.2096% | 2,701 |
| Net loans and leases to core deposits | 89.8727% | 2,591 |
| Total domestic deposits to total assets | 86.4544% | 2,145 |
| Equity capital to assets | 11.1946% | 2,802 |
| Core capital (leverage) ratio | 9.7700% | 3,847 |
| Tier 1 risk-based capital ratio | 12.8645% | 4,243 |
| Total risk-based capital ratio | 14.0123% | 4,215 |
| Memoranda: | ||
| Average total assets | $321,170,000 | 2,056 |
| Average earning assets | $291,464,750 | 2,094 |
| Average equity | $34,063,500 | 2,145 |
| Average total loans | $231,429,250 | 1,901 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 494 |
| Cost of funding earning assets | 0.5550% | 1,655 |
| Net interest margin | 4.5443% | 562 |
| Noninterest income to average assets | 0.9489% | 1,241 |
| Noninterest expense to average assets | 3.2622% | 1,664 |
| Loan and lease loss provision to assets | 0.1872% | 1,160 |
| Net operating income to assets | 1.5208% | 858 |
| Return on assets (ROA) | 1.5347% | 882 |
| Pretax return on assets | 1.6420% | 1,250 |
| Return on Equity (ROE) | 14.7450% | 714 |
| Retained earnings to average equity (ytd only) | 8.7511% | 923 |
| Net charge-offs to loans | 0.0476% | 2,531 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 52.8727% | 963 |
| Efficiency ratio | 62.1728% | 4,321 |
| Assets per employee ($millions) | 2.8917% | 5,539 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,726 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 1,709 |
| Noncurrent loans to loans | 1.2204% | 1,879 |
| Net loans and leases to total assets | 72.5794% | 2,074 |
| Net loans and leases to deposits | 85.6303% | 2,294 |
| Net loans and leases to core deposits | 94.9304% | 2,071 |
| Total domestic deposits to total assets | 84.7590% | 2,980 |
| Equity capital to assets | 10.9730% | 3,090 |
| Core capital (leverage) ratio | 9.5178% | 4,185 |
| Tier 1 risk-based capital ratio | 12.0127% | 4,820 |
| Total risk-based capital ratio | 13.0786% | 4,833 |
| Memoranda: | ||
| Average total assets | $320,580,000 | 2,071 |
| Average earning assets | $291,175,670 | 2,107 |
| Average equity | $33,367,330 | 2,181 |
| Average total loans | $231,127,330 | 1,900 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 547 |
| Cost of funding earning assets | 0.5528% | 1,678 |
| Net interest margin | 4.4773% | 635 |
| Noninterest income to average assets | 0.7855% | 1,676 |
| Noninterest expense to average assets | 3.1632% | 1,921 |
| Loan and lease loss provision to assets | 0.1864% | 1,065 |
| Net operating income to assets | 1.2130% | 1,512 |
| Return on assets (ROA) | 1.2355% | 1,545 |
| Pretax return on assets | 1.5101% | 1,550 |
| Return on Equity (ROE) | 12.1967% | 1,257 |
| Retained earnings to average equity (ytd only) | -0.0736% | 5,120 |
| Net charge-offs to loans | 0.0870% | 1,627 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 26.8600% | 1,258 |
| Efficiency ratio | 63.2202% | 4,274 |
| Assets per employee ($millions) | 2.9588% | 5,542 |
| Cash dividends to net income (ytd only)* | 100.6036% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 4,037 |
| Loan loss allowance to noncurrent loans | 79.7336% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 1,592 |
| Noncurrent loans to loans | 1.3811% | 1,725 |
| Net loans and leases to total assets | 70.6540% | 2,243 |
| Net loans and leases to deposits | 82.2892% | 2,512 |
| Net loans and leases to core deposits | 90.0612% | 2,366 |
| Total domestic deposits to total assets | 85.8606% | 2,728 |
| Equity capital to assets | 10.2903% | 3,757 |
| Core capital (leverage) ratio | 8.9399% | 4,928 |
| Tier 1 risk-based capital ratio | 11.8011% | 5,045 |
| Total risk-based capital ratio | 12.8436% | 5,079 |
| Memoranda: | ||
| Average total assets | $321,825,500 | 2,073 |
| Average earning assets | $290,886,500 | 2,119 |
| Average equity | $32,599,000 | 2,217 |
| Average total loans | $229,927,500 | 1,917 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 520 |
| Cost of funding earning assets | 0.5732% | 1,569 |
| Net interest margin | 4.5214% | 630 |
| Noninterest income to average assets | 0.9321% | 1,353 |
| Noninterest expense to average assets | 3.3790% | 1,532 |
| Loan and lease loss provision to assets | 0.1194% | 2,001 |
| Net operating income to assets | 1.1150% | 1,857 |
| Return on assets (ROA) | 1.1426% | 1,825 |
| Pretax return on assets | 1.6051% | 1,233 |
| Return on Equity (ROE) | 11.5161% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.5161% | 288 |
| Net charge-offs to loans | 0.0923% | 2,509 |
| Credit loss provision to net charge-offs | 178.5714% | 1,520 |
| Earnings coverage of net charge-offs (x) | 25.2143% | 1,635 |
| Efficiency ratio | 65.2367% | 4,038 |
| Assets per employee ($millions) | 3.0575% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 4,368 |
| Loan loss allowance to noncurrent loans | 85.1800% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 1,655 |
| Noncurrent loans to loans | 1.2239% | 1,924 |
| Net loans and leases to total assets | 70.7039% | 2,265 |
| Net loans and leases to deposits | 82.0092% | 2,583 |
| Net loans and leases to core deposits | 88.6834% | 2,534 |
| Total domestic deposits to total assets | 86.2147% | 2,529 |
| Equity capital to assets | 9.9707% | 3,995 |
| Core capital (leverage) ratio | 8.8223% | 5,086 |
| Tier 1 risk-based capital ratio | 11.6809% | 5,141 |
| Total risk-based capital ratio | 12.6659% | 5,202 |
| Memoranda: | ||
| Average total assets | $293,195,600 | 2,188 |
| Average earning assets | $267,973,000 | 2,218 |
| Average equity | $29,089,600 | 2,386 |
| Average total loans | $212,457,600 | 1,978 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 612 |
| Cost of funding earning assets | 0.5717% | 1,613 |
| Net interest margin | 4.4361% | 741 |
| Noninterest income to average assets | 0.8818% | 1,506 |
| Noninterest expense to average assets | 3.3324% | 1,616 |
| Loan and lease loss provision to assets | 0.1051% | 2,109 |
| Net operating income to assets | 1.0634% | 2,156 |
| Return on assets (ROA) | 1.1396% | 1,935 |
| Pretax return on assets | 1.6230% | 1,322 |
| Return on Equity (ROE) | 11.5024% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.5024% | 417 |
| Net charge-offs to loans | 0.0244% | 3,447 |
| Credit loss provision to net charge-offs | 592.1053% | 573 |
| Earnings coverage of net charge-offs (x) | 91.2285% | 678 |
| Efficiency ratio | 66.0724% | 3,881 |
| Assets per employee ($millions) | 3.1178% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 4,464 |
| Loan loss allowance to noncurrent loans | 69.3878% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 1,505 |
| Noncurrent loans to loans | 1.5138% | 1,661 |
| Net loans and leases to total assets | 71.8121% | 2,091 |
| Net loans and leases to deposits | 83.9053% | 2,421 |
| Net loans and leases to core deposits | 90.8222% | 2,372 |
| Total domestic deposits to total assets | 85.5870% | 2,741 |
| Equity capital to assets | 9.7455% | 4,461 |
| Core capital (leverage) ratio | 8.4834% | 5,563 |
| Tier 1 risk-based capital ratio | 11.1596% | 5,568 |
| Total risk-based capital ratio | 12.1467% | 5,629 |
| Memoranda: | ||
| Average total assets | $285,470,000 | 2,252 |
| Average earning assets | $261,907,000 | 2,268 |
| Average equity | $28,283,250 | 2,454 |
| Average total loans | $207,681,000 | 2,020 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 853 |
| Cost of funding earning assets | 0.5370% | 1,925 |
| Net interest margin | 4.2844% | 947 |
| Noninterest income to average assets | 0.8121% | 1,727 |
| Noninterest expense to average assets | 3.2719% | 1,782 |
| Loan and lease loss provision to assets | 0.0548% | 3,015 |
| Net operating income to assets | 1.0017% | 2,382 |
| Return on assets (ROA) | 1.0877% | 2,089 |
| Pretax return on assets | 1.5446% | 1,507 |
| Return on Equity (ROE) | 10.9055% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.9055% | 517 |
| Net charge-offs to loans | 0.0381% | 2,917 |
| Credit loss provision to net charge-offs | 197.3684% | 1,252 |
| Earnings coverage of net charge-offs (x) | 53.1579% | 913 |
| Efficiency ratio | 68.3344% | 3,629 |
| Assets per employee ($millions) | 3.3082% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 4,986 |
| Loan loss allowance to noncurrent loans | 58.1519% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 1,555 |
| Noncurrent loans to loans | 1.6763% | 1,551 |
| Net loans and leases to total assets | 69.8327% | 2,337 |
| Net loans and leases to deposits | 85.4018% | 2,120 |
| Net loans and leases to core deposits | 93.0418% | 2,060 |
| Total domestic deposits to total assets | 81.7695% | 4,368 |
| Equity capital to assets | 9.0237% | 5,212 |
| Core capital (leverage) ratio | 8.0939% | 5,873 |
| Tier 1 risk-based capital ratio | 10.5278% | 5,910 |
| Total risk-based capital ratio | 11.4357% | 5,974 |
| Memoranda: | ||
| Average total assets | $273,604,670 | 2,347 |
| Average earning assets | $251,374,330 | 2,362 |
| Average equity | $27,289,000 | 2,539 |
| Average total loans | $199,403,000 | 2,093 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 428 |
| Cost of funding earning assets | 0.5998% | 1,440 |
| Net interest margin | 4.5666% | 538 |
| Noninterest income to average assets | 0.8219% | 1,624 |
| Noninterest expense to average assets | 3.4043% | 1,482 |
| Loan and lease loss provision to assets | 0.1233% | 1,689 |
| Net operating income to assets | 1.0550% | 2,013 |
| Return on assets (ROA) | 1.2460% | 1,502 |
| Pretax return on assets | 1.7720% | 913 |
| Return on Equity (ROE) | 11.7256% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.7256% | 607 |
| Net charge-offs to loans | 0.0949% | 1,778 |
| Credit loss provision to net charge-offs | 174.4186% | 1,145 |
| Earnings coverage of net charge-offs (x) | 22.9535% | 1,337 |
| Efficiency ratio | 67.1354% | 3,969 |
| Assets per employee ($millions) | 3.0958% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 3,566 |
| Loan loss allowance to noncurrent loans | 75.2543% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 1,404 |
| Noncurrent loans to loans | 1.6906% | 1,633 |
| Net loans and leases to total assets | 74.6434% | 1,410 |
| Net loans and leases to deposits | 89.5753% | 1,432 |
| Net loans and leases to core deposits | 97.6618% | 1,504 |
| Total domestic deposits to total assets | 83.3304% | 4,071 |
| Equity capital to assets | 11.0265% | 2,941 |
| Core capital (leverage) ratio | 10.3507% | 3,163 |
| Tier 1 risk-based capital ratio | 13.5564% | 4,297 |
| Total risk-based capital ratio | 14.8037% | 4,213 |
| Memoranda: | ||
| Average total assets | $243,340,500 | 2,610 |
| Average earning assets | $224,063,500 | 2,603 |
| Average equity | $25,858,000 | 2,681 |
| Average total loans | $181,289,000 | 2,267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 530 |
| Cost of funding earning assets | 0.6751% | 1,242 |
| Net interest margin | 4.5142% | 727 |
| Noninterest income to average assets | 0.9438% | 1,367 |
| Noninterest expense to average assets | 3.1695% | 2,295 |
| Loan and lease loss provision to assets | 0.1831% | 1,405 |
| Net operating income to assets | 1.2168% | 1,538 |
| Return on assets (ROA) | 1.2730% | 1,416 |
| Pretax return on assets | 1.8334% | 738 |
| Return on Equity (ROE) | 12.9566% | 1,154 |
| Retained earnings to average equity (ytd only) | 3.6368% | 3,632 |
| Net charge-offs to loans | 0.2622% | 1,650 |
| Credit loss provision to net charge-offs | 97.1922% | 2,498 |
| Earnings coverage of net charge-offs (x) | 10.2700% | 2,631 |
| Efficiency ratio | 61.2772% | 5,025 |
| Assets per employee ($millions) | 3.1431% | 5,511 |
| Cash dividends to net income (ytd only)* | 71.9309% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,770 |
| Loan loss allowance to noncurrent loans | 73.2664% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.7531% | 1,508 |
| Noncurrent loans to loans | 1.6923% | 1,730 |
| Net loans and leases to total assets | 72.5285% | 1,827 |
| Net loans and leases to deposits | 90.5716% | 1,456 |
| Net loans and leases to core deposits | 99.2822% | 1,435 |
| Total domestic deposits to total assets | 80.0786% | 4,995 |
| Equity capital to assets | 10.2420% | 3,799 |
| Core capital (leverage) ratio | 9.7152% | 3,951 |
| Tier 1 risk-based capital ratio | 12.1422% | 5,270 |
| Total risk-based capital ratio | 13.2985% | 5,237 |
| Memoranda: | ||
| Average total assets | $245,716,600 | 2,566 |
| Average earning assets | $226,484,800 | 2,557 |
| Average equity | $24,142,200 | 2,746 |
| Average total loans | $176,587,600 | 2,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 552 |
| Cost of funding earning assets | 0.6945% | 1,175 |
| Net interest margin | 4.4770% | 778 |
| Noninterest income to average assets | 0.9722% | 1,307 |
| Noninterest expense to average assets | 3.1821% | 2,232 |
| Loan and lease loss provision to assets | 0.0544% | 3,285 |
| Net operating income to assets | 1.2641% | 1,480 |
| Return on assets (ROA) | 1.3258% | 1,359 |
| Pretax return on assets | 1.9510% | 639 |
| Return on Equity (ROE) | 13.6408% | 1,066 |
| Retained earnings to average equity (ytd only) | 1.0467% | 5,465 |
| Net charge-offs to loans | 0.0556% | 3,425 |
| Credit loss provision to net charge-offs | 136.9863% | 1,705 |
| Earnings coverage of net charge-offs (x) | 48.2059% | 1,000 |
| Efficiency ratio | 61.5393% | 4,957 |
| Assets per employee ($millions) | 2.9918% | 5,726 |
| Cash dividends to net income (ytd only)* | 92.3268% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,742 |
| Loan loss allowance to noncurrent loans | 63.2591% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9391% | 1,502 |
| Noncurrent loans to loans | 2.0262% | 1,560 |
| Net loans and leases to total assets | 71.3987% | 1,951 |
| Net loans and leases to deposits | 88.1061% | 1,659 |
| Net loans and leases to core deposits | 96.5880% | 1,629 |
| Total domestic deposits to total assets | 81.0371% | 4,813 |
| Equity capital to assets | 9.9425% | 4,238 |
| Core capital (leverage) ratio | 9.3355% | 4,591 |
| Tier 1 risk-based capital ratio | 11.9265% | 5,535 |
| Total risk-based capital ratio | 13.1188% | 5,496 |
| Memoranda: | ||
| Average total assets | $245,070,500 | 2,578 |
| Average earning assets | $225,771,750 | 2,580 |
| Average equity | $23,820,000 | 2,778 |
| Average total loans | $175,147,000 | 2,291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 623 |
| Cost of funding earning assets | 0.7227% | 1,066 |
| Net interest margin | 4.3673% | 906 |
| Noninterest income to average assets | 0.8443% | 1,685 |
| Noninterest expense to average assets | 3.0903% | 2,537 |
| Loan and lease loss provision to assets | 0.0205% | 3,862 |
| Net operating income to assets | 1.1953% | 1,606 |
| Return on assets (ROA) | 1.2845% | 1,409 |
| Pretax return on assets | 1.8919% | 697 |
| Return on Equity (ROE) | 13.3190% | 1,090 |
| Retained earnings to average equity (ytd only) | -5.8053% | 6,281 |
| Net charge-offs to loans | 0.0161% | 3,905 |
| Credit loss provision to net charge-offs | 178.5714% | 1,275 |
| Earnings coverage of net charge-offs (x) | 155.2143% | 400 |
| Efficiency ratio | 62.3927% | 4,958 |
| Assets per employee ($millions) | 3.2045% | 5,419 |
| Cash dividends to net income (ytd only)* | 143.5865% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 3,966 |
| Loan loss allowance to noncurrent loans | 57.6875% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.1139% | 1,468 |
| Noncurrent loans to loans | 2.2183% | 1,476 |
| Net loans and leases to total assets | 71.4378% | 1,835 |
| Net loans and leases to deposits | 85.5494% | 1,863 |
| Net loans and leases to core deposits | 95.4395% | 1,649 |
| Total domestic deposits to total assets | 83.5047% | 4,107 |
| Equity capital to assets | 9.6450% | 4,565 |
| Core capital (leverage) ratio | 9.1605% | 4,805 |
| Tier 1 risk-based capital ratio | 11.5013% | 5,797 |
| Total risk-based capital ratio | 12.6803% | 5,793 |
| Memoranda: | ||
| Average total assets | $243,988,330 | 2,601 |
| Average earning assets | $224,990,000 | 2,592 |
| Average equity | $23,530,330 | 2,798 |
| Average total loans | $173,663,670 | 2,308 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 670 |
| Cost of funding earning assets | 0.7455% | 989 |
| Net interest margin | 4.2962% | 1,004 |
| Noninterest income to average assets | 0.7733% | 1,860 |
| Noninterest expense to average assets | 3.0057% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1931% | 1,499 |
| Return on assets (ROA) | 1.2283% | 1,458 |
| Pretax return on assets | 1.7807% | 825 |
| Return on Equity (ROE) | 12.7372% | 1,226 |
| Retained earnings to average equity (ytd only) | -25.7309% | 6,589 |
| Net charge-offs to loans | -0.0117% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3955% | 5,073 |
| Assets per employee ($millions) | 3.1947% | 5,535 |
| Cash dividends to net income (ytd only)* | 302.0134% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,958 |
| Loan loss allowance to noncurrent loans | 54.9819% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.1808% | 1,522 |
| Noncurrent loans to loans | 2.4188% | 1,449 |
| Net loans and leases to total assets | 69.6396% | 1,957 |
| Net loans and leases to deposits | 81.4915% | 2,101 |
| Net loans and leases to core deposits | 90.5893% | 1,863 |
| Total domestic deposits to total assets | 85.4563% | 3,643 |
| Equity capital to assets | 9.3694% | 4,670 |
| Core capital (leverage) ratio | 8.8299% | 5,231 |
| Tier 1 risk-based capital ratio | 11.5057% | 5,912 |
| Total risk-based capital ratio | 12.6822% | 5,903 |
| Memoranda: | ||
| Average total assets | $242,608,000 | 2,621 |
| Average earning assets | $223,734,500 | 2,621 |
| Average equity | $23,396,000 | 2,805 |
| Average total loans | $171,217,000 | 2,330 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 432 |
| Cost of funding earning assets | 0.8626% | 894 |
| Net interest margin | 4.5380% | 681 |
| Noninterest income to average assets | 1.1995% | 979 |
| Noninterest expense to average assets | 3.3966% | 1,888 |
| Loan and lease loss provision to assets | 0.0536% | 4,070 |
| Net operating income to assets | 1.3016% | 1,246 |
| Return on assets (ROA) | 1.3200% | 1,240 |
| Pretax return on assets | 1.9352% | 559 |
| Return on Equity (ROE) | 13.0705% | 1,155 |
| Retained earnings to average equity (ytd only) | 4.5804% | 2,898 |
| Net charge-offs to loans | 0.2107% | 2,778 |
| Credit loss provision to net charge-offs | 35.0140% | 4,149 |
| Earnings coverage of net charge-offs (x) | 12.8179% | 2,093 |
| Efficiency ratio | 62.4050% | 5,137 |
| Assets per employee ($millions) | 3.1483% | 5,593 |
| Cash dividends to net income (ytd only)* | 64.9562% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 3,983 |
| Loan loss allowance to noncurrent loans | 67.1192% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 1,826 |
| Noncurrent loans to loans | 1.9805% | 2,012 |
| Net loans and leases to total assets | 69.6307% | 2,079 |
| Net loans and leases to deposits | 81.6916% | 2,220 |
| Net loans and leases to core deposits | 90.7301% | 1,937 |
| Total domestic deposits to total assets | 85.2361% | 3,622 |
| Equity capital to assets | 9.9181% | 3,875 |
| Core capital (leverage) ratio | 9.5074% | 4,253 |
| Tier 1 risk-based capital ratio | 12.1327% | 5,538 |
| Total risk-based capital ratio | 13.3453% | 5,502 |
| Memoranda: | ||
| Average total assets | $233,260,600 | 2,688 |
| Average earning assets | $213,770,400 | 2,681 |
| Average equity | $23,556,800 | 2,764 |
| Average total loans | $169,416,400 | 2,314 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 425 |
| Cost of funding earning assets | 0.8881% | 867 |
| Net interest margin | 4.5315% | 698 |
| Noninterest income to average assets | 1.0679% | 1,285 |
| Noninterest expense to average assets | 3.3758% | 1,879 |
| Loan and lease loss provision to assets | 0.0433% | 4,147 |
| Net operating income to assets | 1.2192% | 1,571 |
| Return on assets (ROA) | 1.2353% | 1,597 |
| Pretax return on assets | 1.8195% | 860 |
| Return on Equity (ROE) | 12.1751% | 1,428 |
| Retained earnings to average equity (ytd only) | 0.7965% | 5,661 |
| Net charge-offs to loans | 0.2020% | 2,620 |
| Credit loss provision to net charge-offs | 29.2969% | 3,908 |
| Earnings coverage of net charge-offs (x) | 12.4455% | 2,134 |
| Efficiency ratio | 63.7149% | 4,851 |
| Assets per employee ($millions) | 3.0221% | 5,808 |
| Cash dividends to net income (ytd only)* | 93.4580% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,112 |
| Loan loss allowance to noncurrent loans | 74.5192% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.9553% | 2,076 |
| Noncurrent loans to loans | 1.8166% | 2,476 |
| Net loans and leases to total assets | 71.8751% | 1,617 |
| Net loans and leases to deposits | 83.6782% | 1,919 |
| Net loans and leases to core deposits | 93.2905% | 1,643 |
| Total domestic deposits to total assets | 85.8947% | 3,319 |
| Equity capital to assets | 9.6462% | 4,361 |
| Core capital (leverage) ratio | 9.0730% | 5,003 |
| Tier 1 risk-based capital ratio | 11.4549% | 6,081 |
| Total risk-based capital ratio | 12.7015% | 6,042 |
| Memoranda: | ||
| Average total assets | $230,971,750 | 2,724 |
| Average earning assets | $211,375,750 | 2,719 |
| Average equity | $23,435,250 | 2,806 |
| Average total loans | $169,003,000 | 2,323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 457 |
| Cost of funding earning assets | 0.9016% | 890 |
| Net interest margin | 4.4840% | 726 |
| Noninterest income to average assets | 1.0027% | 1,531 |
| Noninterest expense to average assets | 3.4265% | 1,768 |
| Loan and lease loss provision to assets | 0.0654% | 3,721 |
| Net operating income to assets | 1.1035% | 1,915 |
| Return on assets (ROA) | 1.1282% | 1,941 |
| Pretax return on assets | 1.6444% | 1,241 |
| Return on Equity (ROE) | 10.9347% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.9347% | 653 |
| Net charge-offs to loans | 0.2404% | 2,280 |
| Credit loss provision to net charge-offs | 37.1287% | 3,472 |
| Earnings coverage of net charge-offs (x) | 9.5050% | 2,276 |
| Efficiency ratio | 66.1197% | 4,530 |
| Assets per employee ($millions) | 2.9479% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,017 |
| Loan loss allowance to noncurrent loans | 67.8358% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.2437% | 1,927 |
| Noncurrent loans to loans | 2.0688% | 2,315 |
| Net loans and leases to total assets | 72.6912% | 1,452 |
| Net loans and leases to deposits | 86.4466% | 1,528 |
| Net loans and leases to core deposits | 96.2312% | 1,333 |
| Total domestic deposits to total assets | 84.0880% | 4,283 |
| Equity capital to assets | 10.3600% | 3,481 |
| Core capital (leverage) ratio | 9.8683% | 3,687 |
| Tier 1 risk-based capital ratio | 12.3415% | 5,603 |
| Total risk-based capital ratio | 13.5708% | 5,563 |
| Memoranda: | ||
| Average total assets | $229,389,000 | 2,750 |
| Average earning assets | $209,633,670 | 2,748 |
| Average equity | $23,667,670 | 2,800 |
| Average total loans | $168,087,670 | 2,329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 455 |
| Cost of funding earning assets | 0.9270% | 862 |
| Net interest margin | 4.4324% | 761 |
| Noninterest income to average assets | 1.0824% | 1,264 |
| Noninterest expense to average assets | 3.4131% | 1,805 |
| Loan and lease loss provision to assets | 0.0436% | 3,874 |
| Net operating income to assets | 1.1505% | 1,671 |
| Return on assets (ROA) | 1.1505% | 1,775 |
| Pretax return on assets | 1.6743% | 1,144 |
| Return on Equity (ROE) | 11.1738% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.1738% | 836 |
| Net charge-offs to loans | 0.3489% | 1,599 |
| Credit loss provision to net charge-offs | 17.1233% | 3,083 |
| Earnings coverage of net charge-offs (x) | 6.7397% | 2,170 |
| Efficiency ratio | 65.4644% | 4,753 |
| Assets per employee ($millions) | 2.9310% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 4,002 |
| Loan loss allowance to noncurrent loans | 86.4757% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.2225% | 2,096 |
| Noncurrent loans to loans | 1.6816% | 3,023 |
| Net loans and leases to total assets | 70.6952% | 1,553 |
| Net loans and leases to deposits | 82.2711% | 1,785 |
| Net loans and leases to core deposits | 90.2832% | 1,676 |
| Total domestic deposits to total assets | 85.9296% | 3,566 |
| Equity capital to assets | 10.4457% | 3,607 |
| Core capital (leverage) ratio | 9.5579% | 3,989 |
| Tier 1 risk-based capital ratio | 12.3459% | 5,682 |
| Total risk-based capital ratio | 13.5969% | 5,636 |
| Memoranda: | ||
| Average total assets | $229,117,000 | 2,786 |
| Average earning assets | $209,277,000 | 2,786 |
| Average equity | $23,591,000 | 2,847 |
| Average total loans | $167,371,500 | 2,349 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 352 |
| Cost of funding earning assets | 1.2119% | 547 |
| Net interest margin | 4.6122% | 766 |
| Noninterest income to average assets | 0.8847% | 1,917 |
| Noninterest expense to average assets | 3.3389% | 2,225 |
| Loan and lease loss provision to assets | 0.1544% | 3,681 |
| Net operating income to assets | 1.0658% | 2,066 |
| Return on assets (ROA) | 1.0806% | 2,195 |
| Pretax return on assets | 1.6048% | 1,372 |
| Return on Equity (ROE) | 10.8510% | 1,852 |
| Retained earnings to average equity (ytd only) | 4.2048% | 3,270 |
| Net charge-offs to loans | 0.1874% | 3,881 |
| Credit loss provision to net charge-offs | 110.0629% | 2,656 |
| Earnings coverage of net charge-offs (x) | 12.3805% | 1,933 |
| Efficiency ratio | 64.7079% | 4,756 |
| Assets per employee ($millions) | 2.8347% | 6,265 |
| Cash dividends to net income (ytd only)* | 61.2495% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 3,878 |
| Loan loss allowance to noncurrent loans | 112.1755% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 2.1332% | 2,295 |
| Noncurrent loans to loans | 1.3085% | 3,645 |
| Net loans and leases to total assets | 73.2659% | 1,292 |
| Net loans and leases to deposits | 85.8683% | 1,532 |
| Net loans and leases to core deposits | 94.0541% | 1,459 |
| Total domestic deposits to total assets | 85.3236% | 3,700 |
| Equity capital to assets | 10.1479% | 3,970 |
| Core capital (leverage) ratio | 9.3168% | 4,385 |
| Tier 1 risk-based capital ratio | 11.5805% | 6,043 |
| Total risk-based capital ratio | 12.8322% | 6,007 |
| Memoranda: | ||
| Average total assets | $226,632,800 | 2,769 |
| Average earning assets | $205,955,400 | 2,790 |
| Average equity | $22,569,400 | 2,905 |
| Average total loans | $169,717,600 | 2,315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8371% | 378 |
| Cost of funding earning assets | 1.2402% | 575 |
| Net interest margin | 4.5969% | 824 |
| Noninterest income to average assets | 0.7992% | 2,243 |
| Noninterest expense to average assets | 3.2588% | 2,396 |
| Loan and lease loss provision to assets | 0.1771% | 3,369 |
| Net operating income to assets | 1.0380% | 2,323 |
| Return on assets (ROA) | 1.0577% | 2,473 |
| Pretax return on assets | 1.5671% | 1,683 |
| Return on Equity (ROE) | 10.6728% | 2,070 |
| Retained earnings to average equity (ytd only) | 1.7391% | 5,461 |
| Net charge-offs to loans | 0.1353% | 4,038 |
| Credit loss provision to net charge-offs | 174.4186% | 1,599 |
| Earnings coverage of net charge-offs (x) | 16.8894% | 1,652 |
| Efficiency ratio | 64.4315% | 4,734 |
| Assets per employee ($millions) | 2.7643% | 6,401 |
| Cash dividends to net income (ytd only)* | 83.7055% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,817 |
| Loan loss allowance to noncurrent loans | 72.0776% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.9731% | 1,759 |
| Noncurrent loans to loans | 2.1228% | 2,702 |
| Net loans and leases to total assets | 74.7900% | 1,133 |
| Net loans and leases to deposits | 86.3414% | 1,563 |
| Net loans and leases to core deposits | 93.3794% | 1,638 |
| Total domestic deposits to total assets | 86.6212% | 2,904 |
| Equity capital to assets | 10.1078% | 4,343 |
| Core capital (leverage) ratio | 9.1153% | 4,886 |
| Tier 1 risk-based capital ratio | 11.1705% | 6,408 |
| Total risk-based capital ratio | 12.4224% | 6,378 |
| Memoranda: | ||
| Average total assets | $225,887,750 | 2,796 |
| Average earning assets | $205,119,000 | 2,819 |
| Average equity | $22,386,500 | 2,957 |
| Average total loans | $169,463,500 | 2,348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8410% | 378 |
| Cost of funding earning assets | 1.2667% | 603 |
| Net interest margin | 4.5743% | 869 |
| Noninterest income to average assets | 0.7477% | 2,425 |
| Noninterest expense to average assets | 3.1861% | 2,639 |
| Loan and lease loss provision to assets | 0.2648% | 2,461 |
| Net operating income to assets | 0.9835% | 2,534 |
| Return on assets (ROA) | 1.0135% | 2,627 |
| Pretax return on assets | 1.4884% | 1,883 |
| Return on Equity (ROE) | 10.2938% | 2,242 |
| Retained earnings to average equity (ytd only) | 4.0171% | 3,934 |
| Net charge-offs to loans | 0.1891% | 3,446 |
| Credit loss provision to net charge-offs | 187.5000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 1,907 |
| Efficiency ratio | 63.9675% | 4,909 |
| Assets per employee ($millions) | 2.9125% | 6,215 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,952 |
| Loan loss allowance to noncurrent loans | 64.3525% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 3.4169% | 1,569 |
| Noncurrent loans to loans | 2.3518% | 2,548 |
| Net loans and leases to total assets | 75.8487% | 986 |
| Net loans and leases to deposits | 88.5270% | 1,318 |
| Net loans and leases to core deposits | 97.2050% | 1,330 |
| Total domestic deposits to total assets | 85.6785% | 3,519 |
| Equity capital to assets | 10.1166% | 4,166 |
| Core capital (leverage) ratio | 9.2379% | 4,542 |
| Tier 1 risk-based capital ratio | 11.1245% | 6,439 |
| Total risk-based capital ratio | 12.3766% | 6,412 |
| Memoranda: | ||
| Average total assets | $226,548,000 | 2,795 |
| Average earning assets | $205,409,000 | 2,817 |
| Average equity | $22,304,670 | 2,949 |
| Average total loans | $169,264,000 | 2,354 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 430 |
| Cost of funding earning assets | 1.3022% | 626 |
| Net interest margin | 4.4876% | 1,034 |
| Noninterest income to average assets | 0.8591% | 1,911 |
| Noninterest expense to average assets | 3.1903% | 2,634 |
| Loan and lease loss provision to assets | 0.3953% | 1,599 |
| Net operating income to assets | 0.9083% | 2,874 |
| Return on assets (ROA) | 0.9083% | 3,102 |
| Pretax return on assets | 1.3299% | 2,427 |
| Return on Equity (ROE) | 9.3520% | 2,659 |
| Retained earnings to average equity (ytd only) | -3.3103% | 6,430 |
| Net charge-offs to loans | 0.2913% | 2,504 |
| Credit loss provision to net charge-offs | 184.4262% | 1,421 |
| Earnings coverage of net charge-offs (x) | 8.0492% | 2,008 |
| Efficiency ratio | 63.7956% | 4,959 |
| Assets per employee ($millions) | 2.8463% | 6,439 |
| Cash dividends to net income (ytd only)* | 135.3965% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,936 |
| Loan loss allowance to noncurrent loans | 68.5008% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 3.3777% | 1,706 |
| Noncurrent loans to loans | 2.2650% | 2,846 |
| Net loans and leases to total assets | 72.7206% | 1,270 |
| Net loans and leases to deposits | 83.5988% | 1,716 |
| Net loans and leases to core deposits | 92.9707% | 1,549 |
| Total domestic deposits to total assets | 86.9876% | 2,963 |
| Equity capital to assets | 9.7761% | 4,417 |
| Core capital (leverage) ratio | 8.7453% | 5,213 |
| Tier 1 risk-based capital ratio | 11.0513% | 6,513 |
| Total risk-based capital ratio | 12.3038% | 6,495 |
| Memoranda: | ||
| Average total assets | $227,689,500 | 2,796 |
| Average earning assets | $205,812,000 | 2,822 |
| Average equity | $22,113,000 | 2,968 |
| Average total loans | $167,538,000 | 2,392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3062% | 251 |
| Cost of funding earning assets | 1.6841% | 340 |
| Net interest margin | 4.6221% | 882 |
| Noninterest income to average assets | 0.7512% | 2,333 |
| Noninterest expense to average assets | 3.3547% | 2,352 |
| Loan and lease loss provision to assets | 0.3154% | 3,155 |
| Net operating income to assets | 0.8492% | 2,826 |
| Return on assets (ROA) | 0.8663% | 2,892 |
| Pretax return on assets | 1.2579% | 2,279 |
| Return on Equity (ROE) | 8.3202% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.3202% | 977 |
| Net charge-offs to loans | 0.3520% | 3,639 |
| Credit loss provision to net charge-offs | 117.1875% | 2,747 |
| Earnings coverage of net charge-offs (x) | 5.7539% | 2,691 |
| Efficiency ratio | 67.5600% | 4,454 |
| Assets per employee ($millions) | 2.9180% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,174 |
| Loan loss allowance to noncurrent loans | 75.1519% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 3.1225% | 1,911 |
| Noncurrent loans to loans | 1.9481% | 3,276 |
| Net loans and leases to total assets | 72.2307% | 1,605 |
| Net loans and leases to deposits | 82.8386% | 2,087 |
| Net loans and leases to core deposits | 91.3053% | 1,956 |
| Total domestic deposits to total assets | 87.1944% | 2,648 |
| Equity capital to assets | 9.6493% | 4,676 |
| Core capital (leverage) ratio | 8.6599% | 5,309 |
| Tier 1 risk-based capital ratio | 11.0425% | 6,429 |
| Total risk-based capital ratio | 12.2938% | 6,416 |
| Memoranda: | ||
| Average total assets | $190,238,600 | 3,182 |
| Average earning assets | $170,895,000 | 3,232 |
| Average equity | $19,807,200 | 3,180 |
| Average total loans | $145,463,200 | 2,707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 280 |
| Cost of funding earning assets | 1.7451% | 323 |
| Net interest margin | 4.5395% | 1,066 |
| Noninterest income to average assets | 0.6631% | 2,809 |
| Noninterest expense to average assets | 3.2932% | 2,520 |
| Loan and lease loss provision to assets | 0.3700% | 2,634 |
| Net operating income to assets | 0.7568% | 3,357 |
| Return on assets (ROA) | 0.7815% | 3,412 |
| Pretax return on assets | 1.1041% | 2,989 |
| Return on Equity (ROE) | 7.3339% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.3339% | 1,796 |
| Net charge-offs to loans | 0.3611% | 3,284 |
| Credit loss provision to net charge-offs | 132.2751% | 2,413 |
| Earnings coverage of net charge-offs (x) | 5.1455% | 2,863 |
| Efficiency ratio | 68.8038% | 4,157 |
| Assets per employee ($millions) | 2.8190% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 4,395 |
| Loan loss allowance to noncurrent loans | 63.4776% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 3.2593% | 1,947 |
| Noncurrent loans to loans | 2.2605% | 3,040 |
| Net loans and leases to total assets | 73.6287% | 1,389 |
| Net loans and leases to deposits | 84.0354% | 1,991 |
| Net loans and leases to core deposits | 96.3749% | 1,569 |
| Total domestic deposits to total assets | 87.6164% | 2,281 |
| Equity capital to assets | 9.2376% | 5,460 |
| Core capital (leverage) ratio | 9.0932% | 4,795 |
| Tier 1 risk-based capital ratio | 10.4164% | 6,812 |
| Total risk-based capital ratio | 11.6678% | 6,795 |
| Memoranda: | ||
| Average total assets | $180,167,250 | 3,345 |
| Average earning assets | $161,512,250 | 3,395 |
| Average equity | $19,198,000 | 3,259 |
| Average total loans | $139,583,250 | 2,818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3925% | 242 |
| Cost of funding earning assets | 1.8435% | 267 |
| Net interest margin | 4.5490% | 1,014 |
| Noninterest income to average assets | 0.8568% | 1,781 |
| Noninterest expense to average assets | 3.3471% | 2,411 |
| Loan and lease loss provision to assets | 0.5548% | 1,744 |
| Net operating income to assets | 0.7569% | 3,257 |
| Return on assets (ROA) | 0.7569% | 3,387 |
| Pretax return on assets | 1.0282% | 3,127 |
| Return on Equity (ROE) | 6.6766% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.6766% | 2,034 |
| Net charge-offs to loans | 0.3269% | 3,253 |
| Credit loss provision to net charge-offs | 215.3110% | 1,383 |
| Earnings coverage of net charge-offs (x) | 6.1435% | 2,455 |
| Efficiency ratio | 67.2668% | 4,651 |
| Assets per employee ($millions) | 3.2026% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 2,207 |
| Loan loss allowance to noncurrent loans | 67.3417% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 4.4549% | 1,416 |
| Noncurrent loans to loans | 3.0605% | 2,364 |
| Net loans and leases to total assets | 74.9599% | 1,249 |
| Net loans and leases to deposits | 91.5448% | 1,108 |
| Net loans and leases to core deposits | 146.4215% | 158 |
| Total domestic deposits to total assets | 81.8833% | 5,207 |
| Equity capital to assets | 12.5330% | 1,764 |
| Core capital (leverage) ratio | 12.2828% | 1,462 |
| Tier 1 risk-based capital ratio | 14.3108% | 3,926 |
| Total risk-based capital ratio | 15.5691% | 3,901 |
| Memoranda: | ||
| Average total assets | $162,230,330 | 3,648 |
| Average earning assets | $145,263,670 | 3,704 |
| Average equity | $18,392,670 | 3,351 |
| Average total loans | $127,850,000 | 3,076 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4893% | 215 |
| Cost of funding earning assets | 1.8753% | 281 |
| Net interest margin | 4.6141% | 839 |
| Noninterest income to average assets | 1.2719% | 787 |
| Noninterest expense to average assets | 3.7382% | 1,463 |
| Loan and lease loss provision to assets | 0.5622% | 1,537 |
| Net operating income to assets | 0.7846% | 3,106 |
| Return on assets (ROA) | 0.7496% | 3,340 |
| Pretax return on assets | 1.0620% | 2,893 |
| Return on Equity (ROE) | 6.9959% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.9959% | 2,143 |
| Net charge-offs to loans | 0.3124% | 2,800 |
| Credit loss provision to net charge-offs | 225.0000% | 1,353 |
| Earnings coverage of net charge-offs (x) | 6.6400% | 2,067 |
| Efficiency ratio | 67.8704% | 4,681 |
| Assets per employee ($millions) | 2.8468% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 2,525 |
| Loan loss allowance to noncurrent loans | 88.9164% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 3.7316% | 1,811 |
| Noncurrent loans to loans | 2.2006% | 3,320 |
| Net loans and leases to total assets | 78.9212% | 629 |
| Net loans and leases to deposits | 95.2632% | 735 |
| Net loans and leases to core deposits | 137.3578% | 215 |
| Total domestic deposits to total assets | 82.8454% | 4,977 |
| Equity capital to assets | 10.8963% | 2,779 |
| Core capital (leverage) ratio | 9.8882% | 3,289 |
| Tier 1 risk-based capital ratio | 11.3819% | 6,191 |
| Total risk-based capital ratio | 12.6390% | 6,177 |
| Memoranda: | ||
| Average total assets | $160,077,000 | 3,707 |
| Average earning assets | $143,127,500 | 3,769 |
| Average equity | $17,153,000 | 3,541 |
| Average total loans | $128,043,500 | 3,107 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7931% | 204 |
| Cost of funding earning assets | 2.1771% | 332 |
| Net interest margin | 4.6159% | 981 |
| Noninterest income to average assets | 1.3810% | 764 |
| Noninterest expense to average assets | 3.6060% | 1,910 |
| Loan and lease loss provision to assets | 0.5576% | 2,900 |
| Net operating income to assets | 0.8996% | 2,386 |
| Return on assets (ROA) | 0.8680% | 2,654 |
| Pretax return on assets | 1.2726% | 2,009 |
| Return on Equity (ROE) | 8.3768% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.7893% | 2,551 |
| Net charge-offs to loans | 0.6852% | 2,955 |
| Credit loss provision to net charge-offs | 102.3891% | 4,418 |
| Earnings coverage of net charge-offs (x) | 3.4187% | 3,375 |
| Efficiency ratio | 64.5892% | 5,244 |
| Assets per employee ($millions) | 2.8702% | 6,401 |
| Cash dividends to net income (ytd only)* | 42.8266% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,648 |
| Loan loss allowance to noncurrent loans | 118.7656% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 3.1176% | 2,266 |
| Noncurrent loans to loans | 1.5725% | 4,144 |
| Net loans and leases to total assets | 78.0008% | 944 |
| Net loans and leases to deposits | 95.0804% | 943 |
| Net loans and leases to core deposits | 133.8854% | 284 |
| Total domestic deposits to total assets | 82.0367% | 5,173 |
| Equity capital to assets | 10.5361% | 3,123 |
| Core capital (leverage) ratio | 9.5066% | 3,700 |
| Tier 1 risk-based capital ratio | 11.1884% | 6,186 |
| Total risk-based capital ratio | 12.4449% | 6,159 |
| Memoranda: | ||
| Average total assets | $161,399,200 | 3,673 |
| Average earning assets | $142,896,000 | 3,762 |
| Average equity | $16,724,800 | 3,641 |
| Average total loans | $128,279,400 | 3,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7614% | 211 |
| Cost of funding earning assets | 2.2388% | 337 |
| Net interest margin | 4.5225% | 1,209 |
| Noninterest income to average assets | 1.4854% | 616 |
| Noninterest expense to average assets | 3.5419% | 1,930 |
| Loan and lease loss provision to assets | 0.5983% | 2,554 |
| Net operating income to assets | 0.9218% | 2,531 |
| Return on assets (ROA) | 0.8896% | 2,794 |
| Pretax return on assets | 1.3105% | 2,139 |
| Return on Equity (ROE) | 8.6209% | 2,641 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,767 |
| Net charge-offs to loans | 0.8442% | 2,340 |
| Credit loss provision to net charge-offs | 89.1759% | 4,804 |
| Earnings coverage of net charge-offs (x) | 2.8930% | 3,684 |
| Efficiency ratio | 63.2450% | 5,393 |
| Assets per employee ($millions) | 2.8825% | 6,418 |
| Cash dividends to net income (ytd only)* | 55.6585% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,983 |
| Loan loss allowance to noncurrent loans | 84.5212% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 3.4166% | 2,078 |
| Noncurrent loans to loans | 2.0717% | 3,598 |
| Net loans and leases to total assets | 79.1476% | 864 |
| Net loans and leases to deposits | 97.0209% | 883 |
| Net loans and leases to core deposits | 133.7129% | 329 |
| Total domestic deposits to total assets | 81.5779% | 5,170 |
| Equity capital to assets | 10.5111% | 3,500 |
| Core capital (leverage) ratio | 9.1230% | 4,494 |
| Tier 1 risk-based capital ratio | 10.8253% | 6,524 |
| Total risk-based capital ratio | 12.0803% | 6,498 |
| Memoranda: | ||
| Average total assets | $161,565,750 | 3,730 |
| Average earning assets | $142,807,750 | 3,818 |
| Average equity | $16,672,250 | 3,702 |
| Average total loans | $128,409,500 | 3,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7152% | 240 |
| Cost of funding earning assets | 2.2534% | 395 |
| Net interest margin | 4.4618% | 1,284 |
| Noninterest income to average assets | 1.3390% | 703 |
| Noninterest expense to average assets | 3.5220% | 1,977 |
| Loan and lease loss provision to assets | 0.6188% | 2,312 |
| Net operating income to assets | 0.8118% | 2,918 |
| Return on assets (ROA) | 0.7821% | 3,199 |
| Pretax return on assets | 1.1039% | 2,775 |
| Return on Equity (ROE) | 7.6264% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.6264% | 1,585 |
| Net charge-offs to loans | 0.8556% | 2,120 |
| Credit loss provision to net charge-offs | 91.4077% | 4,382 |
| Earnings coverage of net charge-offs (x) | 2.5887% | 3,701 |
| Efficiency ratio | 65.3684% | 5,091 |
| Assets per employee ($millions) | 2.8912% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 2,759 |
| Loan loss allowance to noncurrent loans | 77.2924% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 3.6373% | 1,929 |
| Noncurrent loans to loans | 2.3123% | 3,355 |
| Net loans and leases to total assets | 78.6725% | 1,014 |
| Net loans and leases to deposits | 98.2567% | 846 |
| Net loans and leases to core deposits | 142.2587% | 260 |
| Total domestic deposits to total assets | 80.0683% | 5,704 |
| Equity capital to assets | 10.4535% | 3,475 |
| Core capital (leverage) ratio | 9.4771% | 3,854 |
| Tier 1 risk-based capital ratio | 10.8995% | 6,347 |
| Total risk-based capital ratio | 12.1551% | 6,327 |
| Memoranda: | ||
| Average total assets | $161,614,330 | 3,751 |
| Average earning assets | $142,542,000 | 3,852 |
| Average equity | $16,574,000 | 3,709 |
| Average total loans | $127,867,000 | 3,239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7162% | 256 |
| Cost of funding earning assets | 2.3309% | 390 |
| Net interest margin | 4.3853% | 1,430 |
| Noninterest income to average assets | 1.4343% | 585 |
| Noninterest expense to average assets | 3.5326% | 1,907 |
| Loan and lease loss provision to assets | 0.7432% | 1,714 |
| Net operating income to assets | 0.7184% | 3,354 |
| Return on assets (ROA) | 0.6813% | 3,637 |
| Pretax return on assets | 0.9711% | 3,202 |
| Return on Equity (ROE) | 6.7079% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.7079% | 2,269 |
| Net charge-offs to loans | 0.4285% | 2,761 |
| Credit loss provision to net charge-offs | 220.5882% | 1,707 |
| Earnings coverage of net charge-offs (x) | 5.1985% | 2,446 |
| Efficiency ratio | 65.4477% | 5,228 |
| Assets per employee ($millions) | 2.8347% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 2,198 |
| Loan loss allowance to noncurrent loans | 62.8635% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 3.8502% | 1,796 |
| Noncurrent loans to loans | 3.1762% | 2,520 |
| Net loans and leases to total assets | 78.1946% | 1,113 |
| Net loans and leases to deposits | 99.7806% | 770 |
| Net loans and leases to core deposits | 129.5747% | 505 |
| Total domestic deposits to total assets | 78.3666% | 6,230 |
| Equity capital to assets | 10.4199% | 3,323 |
| Core capital (leverage) ratio | 9.1991% | 4,227 |
| Tier 1 risk-based capital ratio | 10.8736% | 6,269 |
| Total risk-based capital ratio | 12.1312% | 6,246 |
| Memoranda: | ||
| Average total assets | $161,467,500 | 3,809 |
| Average earning assets | $141,746,000 | 3,928 |
| Average equity | $16,398,500 | 3,763 |
| Average total loans | $126,953,000 | 3,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9153% | 311 |
| Cost of funding earning assets | 2.7096% | 569 |
| Net interest margin | 4.2057% | 2,043 |
| Noninterest income to average assets | 1.1133% | 1,240 |
| Noninterest expense to average assets | 3.4330% | 2,578 |
| Loan and lease loss provision to assets | 0.5539% | 3,599 |
| Net operating income to assets | 0.5668% | 3,458 |
| Return on assets (ROA) | 0.5545% | 3,594 |
| Pretax return on assets | 0.8302% | 3,150 |
| Return on Equity (ROE) | 5.4896% | 3,430 |
| Retained earnings to average equity (ytd only) | 1.2247% | 4,182 |
| Net charge-offs to loans | 0.6715% | 3,172 |
| Credit loss provision to net charge-offs | 103.3295% | 5,342 |
| Earnings coverage of net charge-offs (x) | 2.6051% | 3,815 |
| Efficiency ratio | 69.5552% | 4,724 |
| Assets per employee ($millions) | 2.9320% | 6,383 |
| Cash dividends to net income (ytd only)* | 77.6915% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,381 |
| Loan loss allowance to noncurrent loans | 63.2522% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 3.9339% | 1,681 |
| Noncurrent loans to loans | 2.9384% | 2,619 |
| Net loans and leases to total assets | 76.0594% | 1,782 |
| Net loans and leases to deposits | 98.9894% | 1,000 |
| Net loans and leases to core deposits | 132.4039% | 1,147 |
| Total domestic deposits to total assets | 76.8360% | 6,523 |
| Equity capital to assets | 9.9007% | 3,893 |
| Core capital (leverage) ratio | 8.8752% | 4,630 |
| Tier 1 risk-based capital ratio | 10.5112% | 6,388 |
| Total risk-based capital ratio | 11.7672% | 6,355 |
| Memoranda: | ||
| Average total assets | $162,482,800 | 3,720 |
| Average earning assets | $143,566,200 | 3,827 |
| Average equity | $16,412,800 | 3,801 |
| Average total loans | $129,704,400 | 3,277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9542% | 324 |
| Cost of funding earning assets | 2.7548% | 676 |
| Net interest margin | 4.1994% | 2,065 |
| Noninterest income to average assets | 1.0852% | 1,349 |
| Noninterest expense to average assets | 3.3461% | 2,739 |
| Loan and lease loss provision to assets | 0.3908% | 3,972 |
| Net operating income to assets | 0.7026% | 3,197 |
| Return on assets (ROA) | 0.6927% | 3,292 |
| Pretax return on assets | 1.0696% | 2,676 |
| Return on Equity (ROE) | 6.8237% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.8237% | 1,580 |
| Net charge-offs to loans | 0.6057% | 2,861 |
| Credit loss provision to net charge-offs | 80.2365% | 5,759 |
| Earnings coverage of net charge-offs (x) | 3.0186% | 3,723 |
| Efficiency ratio | 67.9365% | 4,995 |
| Assets per employee ($millions) | 2.9197% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,472 |
| Loan loss allowance to noncurrent loans | 58.6572% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.7632% | 1,726 |
| Noncurrent loans to loans | 2.9691% | 2,546 |
| Net loans and leases to total assets | 76.5695% | 1,880 |
| Net loans and leases to deposits | 102.0392% | 915 |
| Net loans and leases to core deposits | 139.8780% | 920 |
| Total domestic deposits to total assets | 75.0393% | 6,768 |
| Equity capital to assets | 10.3844% | 3,639 |
| Core capital (leverage) ratio | 9.2112% | 4,318 |
| Tier 1 risk-based capital ratio | 11.0058% | 5,949 |
| Total risk-based capital ratio | 12.2600% | 5,909 |
| Memoranda: | ||
| Average total assets | $162,056,000 | 3,759 |
| Average earning assets | $143,985,500 | 3,839 |
| Average equity | $16,452,000 | 3,821 |
| Average total loans | $130,318,750 | 3,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8856% | 392 |
| Cost of funding earning assets | 2.7864% | 823 |
| Net interest margin | 4.0992% | 2,326 |
| Noninterest income to average assets | 1.2081% | 1,066 |
| Noninterest expense to average assets | 3.4016% | 2,622 |
| Loan and lease loss provision to assets | 0.3095% | 4,096 |
| Net operating income to assets | 0.7291% | 3,139 |
| Return on assets (ROA) | 0.7229% | 3,263 |
| Pretax return on assets | 1.1475% | 2,474 |
| Return on Equity (ROE) | 7.1761% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.1761% | 1,516 |
| Net charge-offs to loans | 0.4905% | 2,865 |
| Credit loss provision to net charge-offs | 77.6398% | 5,264 |
| Earnings coverage of net charge-offs (x) | 3.6708% | 3,348 |
| Efficiency ratio | 68.3969% | 5,091 |
| Assets per employee ($millions) | 3.2757% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 2,218 |
| Loan loss allowance to noncurrent loans | 45.3344% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.8868% | 1,549 |
| Noncurrent loans to loans | 3.8327% | 1,778 |
| Net loans and leases to total assets | 78.1716% | 1,705 |
| Net loans and leases to deposits | 105.7468% | 779 |
| Net loans and leases to core deposits | 148.9039% | 681 |
| Total domestic deposits to total assets | 73.9234% | 6,957 |
| Equity capital to assets | 10.0704% | 3,850 |
| Core capital (leverage) ratio | 9.1116% | 4,442 |
| Tier 1 risk-based capital ratio | 10.6044% | 6,284 |
| Total risk-based capital ratio | 11.8591% | 6,220 |
| Memoranda: | ||
| Average total assets | $161,573,000 | 3,791 |
| Average earning assets | $144,127,000 | 3,857 |
| Average equity | $16,276,330 | 3,863 |
| Average total loans | $131,287,000 | 3,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9603% | 373 |
| Cost of funding earning assets | 2.8226% | 928 |
| Net interest margin | 4.1376% | 2,134 |
| Noninterest income to average assets | 0.9896% | 1,516 |
| Noninterest expense to average assets | 3.1608% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9871% | 2,370 |
| Return on assets (ROA) | 0.9871% | 2,502 |
| Pretax return on assets | 1.5231% | 1,601 |
| Return on Equity (ROE) | 9.7974% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.7974% | 1,251 |
| Net charge-offs to loans | 0.7588% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.4440% | 3,516 |
| Efficiency ratio | 66.7908% | 5,176 |
| Assets per employee ($millions) | 3.1811% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 2,500 |
| Loan loss allowance to noncurrent loans | 44.9085% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 3.8106% | 1,384 |
| Noncurrent loans to loans | 3.5720% | 1,766 |
| Net loans and leases to total assets | 80.4470% | 1,303 |
| Net loans and leases to deposits | 108.1386% | 716 |
| Net loans and leases to core deposits | 146.7475% | 822 |
| Total domestic deposits to total assets | 74.3925% | 6,821 |
| Equity capital to assets | 10.3147% | 3,636 |
| Core capital (leverage) ratio | 9.5672% | 3,909 |
| Tier 1 risk-based capital ratio | 11.2538% | 5,643 |
| Total risk-based capital ratio | 12.5070% | 5,550 |
| Memoranda: | ||
| Average total assets | $160,466,000 | 3,826 |
| Average earning assets | $143,270,000 | 3,889 |
| Average equity | $16,167,500 | 3,908 |
| Average total loans | $131,781,000 | 3,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4917% | 418 |
| Cost of funding earning assets | 3.0615% | 1,633 |
| Net interest margin | 4.4303% | 1,595 |
| Noninterest income to average assets | 0.6957% | 3,146 |
| Noninterest expense to average assets | 2.9399% | 4,305 |
| Loan and lease loss provision to assets | 0.2456% | 4,457 |
| Net operating income to assets | 0.8962% | 3,011 |
| Return on assets (ROA) | 0.8848% | 2,908 |
| Pretax return on assets | 1.4988% | 1,690 |
| Return on Equity (ROE) | 9.2931% | 2,534 |
| Retained earnings to average equity (ytd only) | -0.3805% | 5,401 |
| Net charge-offs to loans | 0.3107% | 3,314 |
| Credit loss provision to net charge-offs | 95.2381% | 5,538 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 3,256 |
| Efficiency ratio | 61.8699% | 5,978 |
| Assets per employee ($millions) | 3.1130% | 5,742 |
| Cash dividends to net income (ytd only)* | 104.0944% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 1,766 |
| Loan loss allowance to noncurrent loans | 43.9676% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 4.0685% | 997 |
| Noncurrent loans to loans | 3.9791% | 1,240 |
| Net loans and leases to total assets | 81.0399% | 1,429 |
| Net loans and leases to deposits | 109.2972% | 880 |
| Net loans and leases to core deposits | 149.6913% | 872 |
| Total domestic deposits to total assets | 74.1464% | 6,634 |
| Equity capital to assets | 9.8402% | 4,239 |
| Core capital (leverage) ratio | 9.1708% | 4,484 |
| Tier 1 risk-based capital ratio | 10.9797% | 5,743 |
| Total risk-based capital ratio | 12.2357% | 5,641 |
| Memoranda: | ||
| Average total assets | $162,862,200 | 3,669 |
| Average earning assets | $147,282,400 | 3,702 |
| Average equity | $15,506,200 | 4,023 |
| Average total loans | $135,176,400 | 3,174 |