Home > Northwest Community Bank > Performance and Condition Ratios
Northwest Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,894 |
| Cost of funding earning assets | 1.3030% | 2,507 |
| Net interest margin | 2.7391% | 3,762 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.5295% | 2,219 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.2433% | 4,109 |
| Return on assets (ROA) | 0.2348% | 4,129 |
| Pretax return on assets | 0.2883% | 4,100 |
| Return on Equity (ROE) | 3.9000% | 3,901 |
| Retained earnings to average equity (ytd only) | 3.9035% | 2,993 |
| Net charge-offs to loans | 0.0032% | 2,653 |
| Credit loss provision to net charge-offs | 1,722.2222% | 259 |
| Earnings coverage of net charge-offs (x) | 141.5185% | 741 |
| Efficiency ratio | 87.9327% | 486 |
| Assets per employee ($millions) | 7.0322% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 2,815 |
| Loan loss allowance to noncurrent loans | 633.0000% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 2,610 |
| Noncurrent loans to loans | 0.1744% | 2,646 |
| Net loans and leases to total assets | 77.5400% | 909 |
| Net loans and leases to deposits | 88.9211% | 1,345 |
| Net loans and leases to core deposits | 93.4650% | 1,807 |
| Total domestic deposits to total assets | 87.2000% | 1,614 |
| Equity capital to assets | 6.4156% | 4,146 |
| Core capital (leverage) ratio | 8.8413% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4777% | 1,697 |
| Memoranda: | ||
| Average total assets | $1,100,740,200 | 912 |
| Average earning assets | $1,035,416,200 | 888 |
| Average equity | $66,196,600 | 1,304 |
| Average total loans | $847,841,400 | 829 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,868 |
| Cost of funding earning assets | 1.2066% | 2,411 |
| Net interest margin | 2.7814% | 3,757 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5317% | 2,127 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.2537% | 4,171 |
| Return on assets (ROA) | 0.2368% | 4,207 |
| Pretax return on assets | 0.2955% | 4,171 |
| Return on Equity (ROE) | 4.0000% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.0050% | 3,254 |
| Net charge-offs to loans | 0.0032% | 2,407 |
| Credit loss provision to net charge-offs | 2,305.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 157.2000% | 706 |
| Efficiency ratio | 86.9343% | 478 |
| Assets per employee ($millions) | 6.6736% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,759 |
| Loan loss allowance to noncurrent loans | 511.4701% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,432 |
| Noncurrent loans to loans | 0.2191% | 2,478 |
| Net loans and leases to total assets | 78.0100% | 883 |
| Net loans and leases to deposits | 86.4667% | 1,513 |
| Net loans and leases to core deposits | 90.6583% | 1,882 |
| Total domestic deposits to total assets | 90.2200% | 882 |
| Equity capital to assets | 5.6149% | 4,103 |
| Core capital (leverage) ratio | 8.8169% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6326% | 1,675 |
| Memoranda: | ||
| Average total assets | $1,101,668,250 | 916 |
| Average earning assets | $1,036,634,000 | 892 |
| Average equity | $65,150,500 | 1,304 |
| Average total loans | $844,770,750 | 827 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,823 |
| Cost of funding earning assets | 1.0762% | 2,360 |
| Net interest margin | 2.8505% | 3,731 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.4737% | 2,280 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.2863% | 4,175 |
| Return on assets (ROA) | 0.2688% | 4,232 |
| Pretax return on assets | 0.3709% | 4,157 |
| Return on Equity (ROE) | 4.4700% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.4729% | 3,089 |
| Net charge-offs to loans | 0.0043% | 2,143 |
| Credit loss provision to net charge-offs | 2,538.8889% | 214 |
| Earnings coverage of net charge-offs (x) | 150.3889% | 752 |
| Efficiency ratio | 83.5391% | 622 |
| Assets per employee ($millions) | 6.9755% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,850 |
| Loan loss allowance to noncurrent loans | 582.5767% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,500 |
| Noncurrent loans to loans | 0.1922% | 2,506 |
| Net loans and leases to total assets | 77.0600% | 936 |
| Net loans and leases to deposits | 87.6988% | 1,368 |
| Net loans and leases to core deposits | 91.9462% | 1,688 |
| Total domestic deposits to total assets | 87.8700% | 1,657 |
| Equity capital to assets | 6.1486% | 4,110 |
| Core capital (leverage) ratio | 8.6678% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4687% | 1,735 |
| Memoranda: | ||
| Average total assets | $1,110,741,333 | 901 |
| Average earning assets | $1,045,486,667 | 878 |
| Average equity | $66,757,667 | 1,284 |
| Average total loans | $843,811,000 | 817 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 3,867 |
| Cost of funding earning assets | 0.8709% | 2,470 |
| Net interest margin | 2.9209% | 3,758 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4966% | 2,255 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4283% | 4,042 |
| Return on assets (ROA) | 0.4143% | 4,009 |
| Pretax return on assets | 0.5265% | 3,957 |
| Return on Equity (ROE) | 6.9700% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.9703% | 2,500 |
| Net charge-offs to loans | -0.0010% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.9794% | 835 |
| Assets per employee ($millions) | 7.4675% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,055 |
| Loan loss allowance to noncurrent loans | 491.0629% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 2,355 |
| Noncurrent loans to loans | 0.2240% | 2,367 |
| Net loans and leases to total assets | 72.6000% | 1,362 |
| Net loans and leases to deposits | 84.7715% | 1,443 |
| Net loans and leases to core deposits | 88.0230% | 1,740 |
| Total domestic deposits to total assets | 85.6400% | 2,694 |
| Equity capital to assets | 5.9814% | 4,206 |
| Core capital (leverage) ratio | 8.6737% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2400% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,122,026,000 | 910 |
| Average earning assets | $1,056,795,500 | 890 |
| Average equity | $66,683,000 | 1,293 |
| Average total loans | $841,677,500 | 832 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 3,172 |
| Cost of funding earning assets | 0.3468% | 2,501 |
| Net interest margin | 3.1163% | 3,124 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4601% | 2,238 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.5413% | 4,016 |
| Return on assets (ROA) | 0.4629% | 4,106 |
| Pretax return on assets | 0.5934% | 4,037 |
| Return on Equity (ROE) | 6.7000% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.6956% | 2,371 |
| Net charge-offs to loans | 0.0050% | 2,252 |
| Credit loss provision to net charge-offs | 2,465.7895% | 222 |
| Earnings coverage of net charge-offs (x) | 217.0789% | 617 |
| Efficiency ratio | 75.8921% | 1,023 |
| Assets per employee ($millions) | 7.0585% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 2,993 |
| Loan loss allowance to noncurrent loans | 490.0974% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,363 |
| Noncurrent loans to loans | 0.2202% | 2,392 |
| Net loans and leases to total assets | 75.8800% | 1,022 |
| Net loans and leases to deposits | 81.6685% | 1,644 |
| Net loans and leases to core deposits | 86.6850% | 1,697 |
| Total domestic deposits to total assets | 92.9100% | 428 |
| Equity capital to assets | 5.9029% | 4,129 |
| Core capital (leverage) ratio | 8.6706% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,055,585,400 | 936 |
| Average earning assets | $996,130,000 | 909 |
| Average equity | $72,973,600 | 1,212 |
| Average total loans | $765,038,400 | 844 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 3,083 |
| Cost of funding earning assets | 0.2435% | 2,775 |
| Net interest margin | 3.0936% | 2,955 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.4093% | 2,288 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5759% | 3,897 |
| Return on assets (ROA) | 0.3519% | 4,269 |
| Pretax return on assets | 0.4502% | 4,211 |
| Return on Equity (ROE) | 4.9000% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.9036% | 3,139 |
| Net charge-offs to loans | 0.0063% | 1,928 |
| Credit loss provision to net charge-offs | 1,820.0000% | 271 |
| Earnings coverage of net charge-offs (x) | 182.6571% | 655 |
| Efficiency ratio | 74.7252% | 1,205 |
| Assets per employee ($millions) | 6.9966% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,256 |
| Loan loss allowance to noncurrent loans | 392.6490% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,244 |
| Noncurrent loans to loans | 0.2674% | 2,307 |
| Net loans and leases to total assets | 75.6500% | 943 |
| Net loans and leases to deposits | 88.4216% | 1,005 |
| Net loans and leases to core deposits | 93.1173% | 1,140 |
| Total domestic deposits to total assets | 85.5500% | 3,159 |
| Equity capital to assets | 5.5976% | 4,100 |
| Core capital (leverage) ratio | 8.6405% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,045,966,250 | 947 |
| Average earning assets | $987,919,500 | 922 |
| Average equity | $75,071,750 | 1,200 |
| Average total loans | $746,495,500 | 861 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 3,005 |
| Cost of funding earning assets | 0.1699% | 3,316 |
| Net interest margin | 3.0412% | 2,756 |
| Noninterest income to average assets | 0.2943% | 3,404 |
| Noninterest expense to average assets | 2.3972% | 2,229 |
| Loan and lease loss provision to assets | 0.0017% | 2,578 |
| Net operating income to assets | 0.6869% | 3,352 |
| Return on assets (ROA) | 0.3952% | 4,070 |
| Pretax return on assets | 0.4441% | 4,092 |
| Return on Equity (ROE) | 5.1097% | 3,790 |
| Retained earnings to average equity (ytd only) | 5.1097% | 2,665 |
| Net charge-offs to loans | 0.0075% | 1,717 |
| Credit loss provision to net charge-offs | 33.3333% | 1,555 |
| Earnings coverage of net charge-offs (x) | 147.6667% | 652 |
| Efficiency ratio | 75.6027% | 1,322 |
| Assets per employee ($millions) | 6.7324% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,343 |
| Loan loss allowance to noncurrent loans | 461.9750% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,518 |
| Noncurrent loans to loans | 0.2286% | 2,579 |
| Net loans and leases to total assets | 73.0828% | 994 |
| Net loans and leases to deposits | 82.6426% | 1,202 |
| Net loans and leases to core deposits | 85.1304% | 1,388 |
| Total domestic deposits to total assets | 88.4323% | 2,412 |
| Equity capital to assets | 6.7360% | 3,919 |
| Core capital (leverage) ratio | 9.0769% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,030,796,333 | 950 |
| Average earning assets | $974,928,333 | 929 |
| Average equity | $79,730,333 | 1,164 |
| Average total loans | $717,183,333 | 869 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1339% | 2,868 |
| Cost of funding earning assets | 0.1688% | 3,236 |
| Net interest margin | 2.9651% | 2,618 |
| Noninterest income to average assets | 0.2995% | 3,325 |
| Noninterest expense to average assets | 2.2467% | 2,699 |
| Loan and lease loss provision to assets | 0.0020% | 2,261 |
| Net operating income to assets | 0.7749% | 2,746 |
| Return on assets (ROA) | 0.5876% | 3,418 |
| Pretax return on assets | 0.6540% | 3,510 |
| Return on Equity (ROE) | 7.1285% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.1285% | 1,848 |
| Net charge-offs to loans | 0.0122% | 1,318 |
| Credit loss provision to net charge-offs | 23.8095% | 1,278 |
| Earnings coverage of net charge-offs (x) | 105.3810% | 659 |
| Efficiency ratio | 72.2229% | 1,946 |
| Assets per employee ($millions) | 6.7976% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 3,064 |
| Loan loss allowance to noncurrent loans | 393.5234% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,411 |
| Noncurrent loans to loans | 0.2943% | 2,411 |
| Net loans and leases to total assets | 68.1610% | 1,196 |
| Net loans and leases to deposits | 74.5227% | 1,559 |
| Net loans and leases to core deposits | 77.1847% | 1,681 |
| Total domestic deposits to total assets | 91.4633% | 820 |
| Equity capital to assets | 7.7584% | 3,761 |
| Core capital (leverage) ratio | 9.1394% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,024,435,500 | 956 |
| Average earning assets | $971,310,000 | 939 |
| Average equity | $84,450,000 | 1,143 |
| Average total loans | $690,389,000 | 893 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 3,364 |
| Cost of funding earning assets | 0.2292% | 3,142 |
| Net interest margin | 3.0135% | 3,159 |
| Noninterest income to average assets | 0.4138% | 2,977 |
| Noninterest expense to average assets | 2.6692% | 1,714 |
| Loan and lease loss provision to assets | 0.0620% | 1,830 |
| Net operating income to assets | 0.4483% | 4,187 |
| Return on assets (ROA) | 0.6734% | 3,740 |
| Pretax return on assets | 0.8074% | 3,710 |
| Return on Equity (ROE) | 7.4653% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.4653% | 1,735 |
| Net charge-offs to loans | -0.0312% | 4,136 |
| Credit loss provision to net charge-offs | -286.2559% | 3,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6900% | 706 |
| Assets per employee ($millions) | 6.6019% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,867 |
| Loan loss allowance to noncurrent loans | 403.0632% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 2,577 |
| Noncurrent loans to loans | 0.2987% | 2,524 |
| Net loans and leases to total assets | 65.0050% | 1,584 |
| Net loans and leases to deposits | 71.9985% | 1,910 |
| Net loans and leases to core deposits | 74.5352% | 2,035 |
| Total domestic deposits to total assets | 90.2866% | 821 |
| Equity capital to assets | 8.7828% | 3,821 |
| Core capital (leverage) ratio | 9.1542% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $974,307,600 | 978 |
| Average earning assets | $922,612,200 | 963 |
| Average equity | $87,886,600 | 1,120 |
| Average total loans | $675,835,600 | 907 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 3,443 |
| Cost of funding earning assets | 0.2424% | 3,193 |
| Net interest margin | 3.0371% | 3,215 |
| Noninterest income to average assets | 0.4441% | 2,870 |
| Noninterest expense to average assets | 2.6712% | 1,660 |
| Loan and lease loss provision to assets | 0.0625% | 1,750 |
| Net operating income to assets | 0.4221% | 4,339 |
| Return on assets (ROA) | 0.5697% | 4,109 |
| Pretax return on assets | 0.7703% | 3,943 |
| Return on Equity (ROE) | 6.2719% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.2719% | 2,712 |
| Net charge-offs to loans | -0.0409% | 4,263 |
| Credit loss provision to net charge-offs | -217.3913% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5265% | 714 |
| Assets per employee ($millions) | 6.1672% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,086 |
| Loan loss allowance to noncurrent loans | 568.9900% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,167 |
| Noncurrent loans to loans | 0.2071% | 3,122 |
| Net loans and leases to total assets | 67.5781% | 1,366 |
| Net loans and leases to deposits | 75.1089% | 1,754 |
| Net loans and leases to core deposits | 77.8204% | 1,902 |
| Total domestic deposits to total assets | 89.9735% | 785 |
| Equity capital to assets | 8.8958% | 3,926 |
| Core capital (leverage) ratio | 9.1289% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $960,410,750 | 999 |
| Average earning assets | $908,526,250 | 990 |
| Average equity | $87,244,750 | 1,142 |
| Average total loans | $675,384,250 | 928 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2490% | 3,561 |
| Cost of funding earning assets | 0.2586% | 3,200 |
| Net interest margin | 2.9904% | 3,348 |
| Noninterest income to average assets | 0.4535% | 2,828 |
| Noninterest expense to average assets | 2.6856% | 1,627 |
| Loan and lease loss provision to assets | 0.0632% | 1,784 |
| Net operating income to assets | 0.3838% | 4,417 |
| Return on assets (ROA) | 0.5655% | 4,111 |
| Pretax return on assets | 0.7618% | 3,943 |
| Return on Equity (ROE) | 6.1807% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.1807% | 2,733 |
| Net charge-offs to loans | -0.0487% | 4,364 |
| Credit loss provision to net charge-offs | -182.9268% | 3,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8631% | 678 |
| Assets per employee ($millions) | 6.1152% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,265 |
| Loan loss allowance to noncurrent loans | 360.2677% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,833 |
| Noncurrent loans to loans | 0.3150% | 2,795 |
| Net loans and leases to total assets | 69.0702% | 1,315 |
| Net loans and leases to deposits | 76.7516% | 1,748 |
| Net loans and leases to core deposits | 80.1778% | 1,875 |
| Total domestic deposits to total assets | 89.9918% | 782 |
| Equity capital to assets | 8.9383% | 3,849 |
| Core capital (leverage) ratio | 9.2295% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $949,575,000 | 1,004 |
| Average earning assets | $897,740,000 | 998 |
| Average equity | $86,883,667 | 1,144 |
| Average total loans | $674,180,667 | 930 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2949% | 3,458 |
| Cost of funding earning assets | 0.2777% | 3,204 |
| Net interest margin | 3.0172% | 3,211 |
| Noninterest income to average assets | 0.5339% | 2,464 |
| Noninterest expense to average assets | 2.8002% | 1,369 |
| Loan and lease loss provision to assets | 0.0644% | 1,852 |
| Net operating income to assets | 0.3743% | 4,408 |
| Return on assets (ROA) | 0.5523% | 4,104 |
| Pretax return on assets | 0.7433% | 3,929 |
| Return on Equity (ROE) | 5.9635% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.9635% | 2,915 |
| Net charge-offs to loans | -0.0761% | 4,550 |
| Credit loss provision to net charge-offs | -118.1102% | 2,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7836% | 656 |
| Assets per employee ($millions) | 5.9335% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,217 |
| Loan loss allowance to noncurrent loans | 301.5433% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,818 |
| Noncurrent loans to loans | 0.3797% | 2,732 |
| Net loans and leases to total assets | 69.3010% | 1,381 |
| Net loans and leases to deposits | 77.2544% | 1,777 |
| Net loans and leases to core deposits | 81.0446% | 1,905 |
| Total domestic deposits to total assets | 89.7048% | 962 |
| Equity capital to assets | 9.0218% | 3,655 |
| Core capital (leverage) ratio | 9.6351% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $932,085,000 | 1,009 |
| Average earning assets | $880,026,500 | 998 |
| Average equity | $86,324,500 | 1,138 |
| Average total loans | $667,350,500 | 928 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 3,805 |
| Cost of funding earning assets | 0.5668% | 2,525 |
| Net interest margin | 3.0365% | 3,803 |
| Noninterest income to average assets | 0.4536% | 2,852 |
| Noninterest expense to average assets | 2.5190% | 2,785 |
| Loan and lease loss provision to assets | 0.1869% | 2,084 |
| Net operating income to assets | 0.4593% | 4,118 |
| Return on assets (ROA) | 0.5798% | 3,921 |
| Pretax return on assets | 0.7570% | 3,748 |
| Return on Equity (ROE) | 4.7943% | 3,955 |
| Retained earnings to average equity (ytd only) | -2.0911% | 4,710 |
| Net charge-offs to loans | 0.0016% | 3,357 |
| Credit loss provision to net charge-offs | 15,760.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 667.2000% | 172 |
| Efficiency ratio | 76.0946% | 1,216 |
| Assets per employee ($millions) | 6.0565% | 2,293 |
| Cash dividends to net income (ytd only)* | 143.6170% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,702 |
| Loan loss allowance to noncurrent loans | 341.1504% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 2,924 |
| Noncurrent loans to loans | 0.3657% | 2,891 |
| Net loans and leases to total assets | 74.0989% | 1,013 |
| Net loans and leases to deposits | 86.1356% | 1,246 |
| Net loans and leases to core deposits | 89.1473% | 1,593 |
| Total domestic deposits to total assets | 86.0258% | 2,355 |
| Equity capital to assets | 12.2244% | 1,464 |
| Core capital (leverage) ratio | 11.4325% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,548,400 | 1,794 |
| Average earning assets | $396,613,400 | 1,778 |
| Average equity | $50,977,200 | 1,665 |
| Average total loans | $315,716,200 | 1,627 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 4,108 |
| Cost of funding earning assets | 0.6158% | 2,513 |
| Net interest margin | 2.9437% | 4,099 |
| Noninterest income to average assets | 0.3296% | 3,507 |
| Noninterest expense to average assets | 2.4064% | 3,116 |
| Loan and lease loss provision to assets | 0.1998% | 1,992 |
| Net operating income to assets | 0.3836% | 4,295 |
| Return on assets (ROA) | 0.2827% | 4,517 |
| Pretax return on assets | 0.3651% | 4,469 |
| Return on Equity (ROE) | 2.3441% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.3441% | 3,803 |
| Net charge-offs to loans | 0.0059% | 2,928 |
| Credit loss provision to net charge-offs | 4,535.7143% | 248 |
| Earnings coverage of net charge-offs (x) | 157.2857% | 582 |
| Efficiency ratio | 77.6537% | 1,069 |
| Assets per employee ($millions) | 6.2003% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,979 |
| Loan loss allowance to noncurrent loans | 241.2149% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 2,716 |
| Noncurrent loans to loans | 0.4724% | 2,636 |
| Net loans and leases to total assets | 74.8955% | 1,254 |
| Net loans and leases to deposits | 89.4762% | 1,326 |
| Net loans and leases to core deposits | 91.7154% | 1,820 |
| Total domestic deposits to total assets | 83.7044% | 2,925 |
| Equity capital to assets | 12.2940% | 1,520 |
| Core capital (leverage) ratio | 11.6086% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,975,750 | 1,761 |
| Average earning assets | $398,850,500 | 1,748 |
| Average equity | $51,135,250 | 1,651 |
| Average total loans | $317,389,500 | 1,622 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,272 |
| Cost of funding earning assets | 0.6907% | 2,442 |
| Net interest margin | 2.9005% | 4,304 |
| Noninterest income to average assets | 0.3194% | 3,552 |
| Noninterest expense to average assets | 2.4401% | 3,144 |
| Loan and lease loss provision to assets | 0.1079% | 2,930 |
| Net operating income to assets | 0.5148% | 3,971 |
| Return on assets (ROA) | 0.0251% | 4,779 |
| Pretax return on assets | 0.0099% | 4,784 |
| Return on Equity (ROE) | 0.2093% | 4,778 |
| Retained earnings to average equity (ytd only) | 0.2093% | 4,272 |
| Net charge-offs to loans | 0.0013% | 2,982 |
| Credit loss provision to net charge-offs | 11,400.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 642.0000% | 158 |
| Efficiency ratio | 80.0652% | 892 |
| Assets per employee ($millions) | 6.6412% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,572 |
| Loan loss allowance to noncurrent loans | 154.7887% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 2,357 |
| Noncurrent loans to loans | 0.6470% | 2,249 |
| Net loans and leases to total assets | 75.5055% | 1,204 |
| Net loans and leases to deposits | 90.4926% | 1,311 |
| Net loans and leases to core deposits | 97.4535% | 1,460 |
| Total domestic deposits to total assets | 83.4383% | 2,946 |
| Equity capital to assets | 11.9458% | 1,699 |
| Core capital (leverage) ratio | 11.3881% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,694,333 | 1,738 |
| Average earning assets | $397,585,333 | 1,721 |
| Average equity | $50,648,333 | 1,650 |
| Average total loans | $315,149,000 | 1,619 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,409 |
| Cost of funding earning assets | 0.8054% | 2,358 |
| Net interest margin | 2.8869% | 4,452 |
| Noninterest income to average assets | 0.3549% | 3,396 |
| Noninterest expense to average assets | 2.4017% | 3,538 |
| Loan and lease loss provision to assets | 0.0746% | 2,805 |
| Net operating income to assets | 0.5830% | 3,651 |
| Return on assets (ROA) | -1.0665% | 4,981 |
| Pretax return on assets | -1.4940% | 4,995 |
| Return on Equity (ROE) | -8.8864% | 4,984 |
| Retained earnings to average equity (ytd only) | -8.8864% | 4,723 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2243% | 1,309 |
| Assets per employee ($millions) | 6.2459% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,652 |
| Loan loss allowance to noncurrent loans | 239.5437% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 3,179 |
| Noncurrent loans to loans | 0.4213% | 2,983 |
| Net loans and leases to total assets | 73.8272% | 1,637 |
| Net loans and leases to deposits | 90.3922% | 1,462 |
| Net loans and leases to core deposits | 97.8941% | 1,636 |
| Total domestic deposits to total assets | 81.6743% | 3,504 |
| Equity capital to assets | 11.9919% | 2,077 |
| Core capital (leverage) ratio | 11.4918% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,203,500 | 1,714 |
| Average earning assets | $393,358,500 | 1,688 |
| Average equity | $50,189,000 | 1,655 |
| Average total loans | $308,105,500 | 1,606 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 4,525 |
| Cost of funding earning assets | 0.9025% | 2,180 |
| Net interest margin | 2.9296% | 4,625 |
| Noninterest income to average assets | 0.3411% | 3,664 |
| Noninterest expense to average assets | 2.2831% | 3,982 |
| Loan and lease loss provision to assets | 0.0447% | 3,115 |
| Net operating income to assets | 0.5421% | 4,308 |
| Return on assets (ROA) | 0.9366% | 3,148 |
| Pretax return on assets | 1.2603% | 2,643 |
| Return on Equity (ROE) | 8.0885% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.7756% | 1,051 |
| Net charge-offs to loans | -0.0096% | 4,460 |
| Credit loss provision to net charge-offs | -637.9310% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9168% | 1,614 |
| Assets per employee ($millions) | 6.1461% | 1,520 |
| Cash dividends to net income (ytd only)* | 3.8690% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,438 |
| Loan loss allowance to noncurrent loans | 237.7709% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 3,187 |
| Noncurrent loans to loans | 0.4248% | 2,926 |
| Net loans and leases to total assets | 72.0310% | 2,088 |
| Net loans and leases to deposits | 88.8575% | 1,721 |
| Net loans and leases to core deposits | 96.5033% | 1,859 |
| Total domestic deposits to total assets | 81.0635% | 3,754 |
| Equity capital to assets | 12.0103% | 2,128 |
| Core capital (leverage) ratio | 11.7540% | 1,921 |
| Tier 1 risk-based capital ratio | 18.4164% | 1,659 |
| Total risk-based capital ratio | 19.5959% | 1,647 |
| Memoranda: | ||
| Average total assets | $413,951,400 | 1,697 |
| Average earning assets | $388,250,200 | 1,672 |
| Average equity | $47,932,200 | 1,663 |
| Average total loans | $302,706,400 | 1,590 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,591 |
| Cost of funding earning assets | 0.9083% | 2,195 |
| Net interest margin | 2.9507% | 4,691 |
| Noninterest income to average assets | 0.3471% | 3,648 |
| Noninterest expense to average assets | 2.2346% | 4,109 |
| Loan and lease loss provision to assets | 0.0439% | 3,029 |
| Net operating income to assets | 0.5925% | 4,316 |
| Return on assets (ROA) | 0.9912% | 3,085 |
| Pretax return on assets | 1.3393% | 2,528 |
| Return on Equity (ROE) | 8.6416% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.2194% | 1,309 |
| Net charge-offs to loans | -0.0146% | 4,491 |
| Credit loss provision to net charge-offs | -412.1212% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7797% | 1,873 |
| Assets per employee ($millions) | 6.4029% | 1,328 |
| Cash dividends to net income (ytd only)* | 4.8861% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,633 |
| Loan loss allowance to noncurrent loans | 203.5642% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 3,074 |
| Noncurrent loans to loans | 0.4857% | 2,841 |
| Net loans and leases to total assets | 72.8298% | 2,031 |
| Net loans and leases to deposits | 91.0065% | 1,566 |
| Net loans and leases to core deposits | 99.3820% | 1,710 |
| Total domestic deposits to total assets | 80.0270% | 3,989 |
| Equity capital to assets | 11.9360% | 2,307 |
| Core capital (leverage) ratio | 11.6820% | 2,095 |
| Tier 1 risk-based capital ratio | 18.2417% | 1,750 |
| Total risk-based capital ratio | 19.4126% | 1,730 |
| Memoranda: | ||
| Average total assets | $412,955,750 | 1,706 |
| Average earning assets | $387,107,250 | 1,686 |
| Average equity | $47,366,500 | 1,677 |
| Average total loans | $302,354,500 | 1,606 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 4,606 |
| Cost of funding earning assets | 0.9043% | 2,119 |
| Net interest margin | 2.9651% | 4,737 |
| Noninterest income to average assets | 0.3283% | 3,747 |
| Noninterest expense to average assets | 2.2749% | 4,070 |
| Loan and lease loss provision to assets | 0.0432% | 2,959 |
| Net operating income to assets | 0.5489% | 4,423 |
| Return on assets (ROA) | 1.0741% | 2,696 |
| Pretax return on assets | 1.4533% | 2,016 |
| Return on Equity (ROE) | 9.4942% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.8504% | 1,080 |
| Net charge-offs to loans | -0.0146% | 4,445 |
| Credit loss provision to net charge-offs | -404.5455% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2260% | 1,745 |
| Assets per employee ($millions) | 6.4385% | 1,270 |
| Cash dividends to net income (ytd only)* | 6.7812% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 3,779 |
| Loan loss allowance to noncurrent loans | 194.0523% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,068 |
| Noncurrent loans to loans | 0.5004% | 2,780 |
| Net loans and leases to total assets | 72.3515% | 2,166 |
| Net loans and leases to deposits | 90.3143% | 1,704 |
| Net loans and leases to core deposits | 98.4152% | 1,859 |
| Total domestic deposits to total assets | 80.1108% | 4,019 |
| Equity capital to assets | 11.5825% | 2,541 |
| Core capital (leverage) ratio | 11.4845% | 2,181 |
| Tier 1 risk-based capital ratio | 18.0550% | 1,795 |
| Total risk-based capital ratio | 19.2136% | 1,773 |
| Memoranda: | ||
| Average total assets | $411,878,670 | 1,712 |
| Average earning assets | $385,951,330 | 1,700 |
| Average equity | $46,596,670 | 1,693 |
| Average total loans | $301,094,330 | 1,622 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 4,591 |
| Cost of funding earning assets | 0.8836% | 2,073 |
| Net interest margin | 2.9936% | 4,760 |
| Noninterest income to average assets | 0.3250% | 3,686 |
| Noninterest expense to average assets | 2.2723% | 4,096 |
| Loan and lease loss provision to assets | 0.0431% | 2,777 |
| Net operating income to assets | 0.5478% | 4,386 |
| Return on assets (ROA) | 1.2825% | 1,808 |
| Pretax return on assets | 1.7427% | 1,106 |
| Return on Equity (ROE) | 11.4765% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.1624% | 994 |
| Net charge-offs to loans | -0.0254% | 4,584 |
| Credit loss provision to net charge-offs | -231.5789% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6448% | 1,936 |
| Assets per employee ($millions) | 6.0834% | 1,481 |
| Cash dividends to net income (ytd only)* | 11.4504% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,886 |
| Loan loss allowance to noncurrent loans | 199.0457% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,158 |
| Noncurrent loans to loans | 0.4863% | 2,852 |
| Net loans and leases to total assets | 73.3012% | 1,931 |
| Net loans and leases to deposits | 96.3069% | 933 |
| Net loans and leases to core deposits | 105.2942% | 1,219 |
| Total domestic deposits to total assets | 76.1122% | 4,746 |
| Equity capital to assets | 11.4358% | 2,459 |
| Core capital (leverage) ratio | 11.5129% | 2,125 |
| Tier 1 risk-based capital ratio | 17.9725% | 1,797 |
| Total risk-based capital ratio | 19.1200% | 1,787 |
| Memoranda: | ||
| Average total assets | $408,566,500 | 1,739 |
| Average earning assets | $382,546,500 | 1,722 |
| Average equity | $45,658,500 | 1,716 |
| Average total loans | $298,760,500 | 1,642 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,503 |
| Cost of funding earning assets | 0.7538% | 1,767 |
| Net interest margin | 3.0382% | 4,752 |
| Noninterest income to average assets | 0.3504% | 3,760 |
| Noninterest expense to average assets | 2.2910% | 4,143 |
| Loan and lease loss provision to assets | 0.0775% | 2,579 |
| Net operating income to assets | 0.6124% | 4,377 |
| Return on assets (ROA) | 0.6842% | 4,189 |
| Pretax return on assets | 0.9080% | 3,878 |
| Return on Equity (ROE) | 6.1970% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8782% | 2,250 |
| Net charge-offs to loans | 0.0042% | 3,578 |
| Credit loss provision to net charge-offs | 2,550.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 294.4167% | 332 |
| Efficiency ratio | 71.9180% | 1,911 |
| Assets per employee ($millions) | 6.7139% | 1,105 |
| Cash dividends to net income (ytd only)* | 5.1443% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,879 |
| Loan loss allowance to noncurrent loans | 445.8658% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 4,041 |
| Noncurrent loans to loans | 0.2167% | 3,803 |
| Net loans and leases to total assets | 71.5369% | 2,336 |
| Net loans and leases to deposits | 91.4008% | 1,613 |
| Net loans and leases to core deposits | 101.6787% | 1,602 |
| Total domestic deposits to total assets | 78.2673% | 4,446 |
| Equity capital to assets | 10.9160% | 2,776 |
| Core capital (leverage) ratio | 11.3075% | 2,264 |
| Tier 1 risk-based capital ratio | 17.9647% | 1,762 |
| Total risk-based capital ratio | 19.1247% | 1,750 |
| Memoranda: | ||
| Average total assets | $394,933,800 | 1,736 |
| Average earning assets | $368,545,400 | 1,730 |
| Average equity | $43,601,800 | 1,714 |
| Average total loans | $287,967,000 | 1,647 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,530 |
| Cost of funding earning assets | 0.7197% | 1,748 |
| Net interest margin | 3.0404% | 4,795 |
| Noninterest income to average assets | 0.3465% | 3,825 |
| Noninterest expense to average assets | 2.3270% | 4,029 |
| Loan and lease loss provision to assets | 0.0780% | 2,399 |
| Net operating income to assets | 0.5745% | 4,574 |
| Return on assets (ROA) | 0.6529% | 4,374 |
| Pretax return on assets | 0.8764% | 4,099 |
| Return on Equity (ROE) | 5.8963% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.4685% | 2,973 |
| Net charge-offs to loans | 0.0023% | 3,403 |
| Credit loss provision to net charge-offs | 4,580.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 501.7361% | 188 |
| Efficiency ratio | 73.1235% | 1,715 |
| Assets per employee ($millions) | 6.2881% | 1,296 |
| Cash dividends to net income (ytd only)* | 7.2548% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,995 |
| Loan loss allowance to noncurrent loans | 532.0611% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,294 |
| Noncurrent loans to loans | 0.1808% | 4,081 |
| Net loans and leases to total assets | 72.4464% | 2,260 |
| Net loans and leases to deposits | 94.5441% | 1,316 |
| Net loans and leases to core deposits | 104.1746% | 1,443 |
| Total domestic deposits to total assets | 76.6272% | 4,703 |
| Equity capital to assets | 11.0367% | 2,628 |
| Core capital (leverage) ratio | 11.3892% | 2,259 |
| Tier 1 risk-based capital ratio | 17.7781% | 1,852 |
| Total risk-based capital ratio | 19.0897% | 1,797 |
| Memoranda: | ||
| Average total assets | $391,281,000 | 1,759 |
| Average earning assets | $364,937,000 | 1,748 |
| Average equity | $43,325,750 | 1,723 |
| Average total loans | $286,000,250 | 1,660 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,494 |
| Cost of funding earning assets | 0.6887% | 1,689 |
| Net interest margin | 3.0492% | 4,811 |
| Noninterest income to average assets | 0.3403% | 3,907 |
| Noninterest expense to average assets | 2.3133% | 4,114 |
| Loan and lease loss provision to assets | 0.0780% | 2,346 |
| Net operating income to assets | 0.5823% | 4,552 |
| Return on assets (ROA) | 0.6760% | 4,271 |
| Pretax return on assets | 0.9126% | 3,929 |
| Return on Equity (ROE) | 6.0981% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.4545% | 2,847 |
| Net charge-offs to loans | 0.0021% | 3,135 |
| Credit loss provision to net charge-offs | 5,066.6667% | 79 |
| Earnings coverage of net charge-offs (x) | 566.3333% | 159 |
| Efficiency ratio | 72.6233% | 1,899 |
| Assets per employee ($millions) | 6.2113% | 1,325 |
| Cash dividends to net income (ytd only)* | 10.5543% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,113 |
| Loan loss allowance to noncurrent loans | 972.4014% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,653 |
| Noncurrent loans to loans | 0.0978% | 4,475 |
| Net loans and leases to total assets | 72.2245% | 2,238 |
| Net loans and leases to deposits | 93.0290% | 1,472 |
| Net loans and leases to core deposits | 101.0895% | 1,645 |
| Total domestic deposits to total assets | 77.6366% | 4,646 |
| Equity capital to assets | 11.0444% | 2,594 |
| Core capital (leverage) ratio | 11.3117% | 2,243 |
| Tier 1 risk-based capital ratio | 18.0665% | 1,781 |
| Total risk-based capital ratio | 19.2968% | 1,752 |
| Memoranda: | ||
| Average total assets | $389,657,330 | 1,770 |
| Average earning assets | $363,565,330 | 1,762 |
| Average equity | $43,193,670 | 1,733 |
| Average total loans | $284,738,330 | 1,666 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,441 |
| Cost of funding earning assets | 0.6758% | 1,560 |
| Net interest margin | 3.0362% | 4,823 |
| Noninterest income to average assets | 0.3611% | 3,730 |
| Noninterest expense to average assets | 2.3064% | 4,178 |
| Loan and lease loss provision to assets | 0.0792% | 2,194 |
| Net operating income to assets | 0.5929% | 4,443 |
| Return on assets (ROA) | 0.6985% | 4,111 |
| Pretax return on assets | 0.9423% | 3,724 |
| Return on Equity (ROE) | 6.2897% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.0021% | 3,170 |
| Net charge-offs to loans | 0.0070% | 2,487 |
| Credit loss provision to net charge-offs | 1,540.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 172.6000% | 378 |
| Efficiency ratio | 72.2061% | 2,164 |
| Assets per employee ($millions) | 6.1642% | 1,387 |
| Cash dividends to net income (ytd only)* | 20.4713% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 4,313 |
| Loan loss allowance to noncurrent loans | 407.8947% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 4,074 |
| Noncurrent loans to loans | 0.2276% | 3,954 |
| Net loans and leases to total assets | 72.3968% | 2,110 |
| Net loans and leases to deposits | 96.0546% | 1,031 |
| Net loans and leases to core deposits | 105.0675% | 1,307 |
| Total domestic deposits to total assets | 75.3705% | 5,033 |
| Equity capital to assets | 11.0804% | 2,503 |
| Core capital (leverage) ratio | 11.2025% | 2,245 |
| Tier 1 risk-based capital ratio | 17.8176% | 1,887 |
| Total risk-based capital ratio | 19.0343% | 1,845 |
| Memoranda: | ||
| Average total assets | $388,829,500 | 1,783 |
| Average earning assets | $362,819,500 | 1,779 |
| Average equity | $43,181,500 | 1,743 |
| Average total loans | $284,439,000 | 1,681 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 4,475 |
| Cost of funding earning assets | 0.6365% | 1,375 |
| Net interest margin | 3.0045% | 4,871 |
| Noninterest income to average assets | 0.3515% | 3,955 |
| Noninterest expense to average assets | 2.3156% | 4,285 |
| Loan and lease loss provision to assets | 0.0987% | 2,253 |
| Net operating income to assets | 0.2863% | 4,953 |
| Return on assets (ROA) | 0.3693% | 4,803 |
| Pretax return on assets | 0.8539% | 4,078 |
| Return on Equity (ROE) | 3.2730% | 4,754 |
| Retained earnings to average equity (ytd only) | 2.9448% | 3,541 |
| Net charge-offs to loans | 0.0396% | 3,010 |
| Credit loss provision to net charge-offs | 348.5981% | 845 |
| Earnings coverage of net charge-offs (x) | 29.0748% | 1,580 |
| Efficiency ratio | 73.7800% | 1,925 |
| Assets per employee ($millions) | 6.2793% | 1,335 |
| Cash dividends to net income (ytd only)* | 10.0287% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,475 |
| Loan loss allowance to noncurrent loans | 334.2894% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 3,903 |
| Noncurrent loans to loans | 0.2690% | 3,821 |
| Net loans and leases to total assets | 72.5711% | 2,151 |
| Net loans and leases to deposits | 98.0541% | 900 |
| Net loans and leases to core deposits | 103.1109% | 1,479 |
| Total domestic deposits to total assets | 74.0113% | 5,179 |
| Equity capital to assets | 11.1305% | 2,507 |
| Core capital (leverage) ratio | 11.1907% | 2,164 |
| Tier 1 risk-based capital ratio | 17.6261% | 1,910 |
| Total risk-based capital ratio | 18.8304% | 1,874 |
| Memoranda: | ||
| Average total assets | $378,046,800 | 1,795 |
| Average earning assets | $350,673,000 | 1,801 |
| Average equity | $42,651,800 | 1,746 |
| Average total loans | $270,347,200 | 1,712 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6159% | 4,521 |
| Cost of funding earning assets | 0.6272% | 1,368 |
| Net interest margin | 2.9886% | 4,942 |
| Noninterest income to average assets | 0.3571% | 3,975 |
| Noninterest expense to average assets | 2.3047% | 4,288 |
| Loan and lease loss provision to assets | 0.0792% | 2,500 |
| Net operating income to assets | 0.4751% | 4,812 |
| Return on assets (ROA) | 0.5781% | 4,507 |
| Pretax return on assets | 0.9040% | 4,032 |
| Return on Equity (ROE) | 5.1064% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.6670% | 3,102 |
| Net charge-offs to loans | 0.0465% | 2,513 |
| Credit loss provision to net charge-offs | 239.7849% | 1,171 |
| Earnings coverage of net charge-offs (x) | 24.8811% | 1,754 |
| Efficiency ratio | 73.7045% | 1,940 |
| Assets per employee ($millions) | 6.2548% | 1,334 |
| Cash dividends to net income (ytd only)* | 8.6047% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 4,679 |
| Loan loss allowance to noncurrent loans | 133.2602% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,086 |
| Noncurrent loans to loans | 0.6563% | 2,736 |
| Net loans and leases to total assets | 72.1304% | 2,238 |
| Net loans and leases to deposits | 97.9869% | 917 |
| Net loans and leases to core deposits | 103.6085% | 1,419 |
| Total domestic deposits to total assets | 73.6123% | 5,266 |
| Equity capital to assets | 11.4014% | 2,467 |
| Core capital (leverage) ratio | 11.4156% | 2,086 |
| Tier 1 risk-based capital ratio | 18.2707% | 1,784 |
| Total risk-based capital ratio | 19.3974% | 1,774 |
| Memoranda: | ||
| Average total assets | $375,229,500 | 1,818 |
| Average earning assets | $347,753,500 | 1,822 |
| Average equity | $42,481,500 | 1,767 |
| Average total loans | $266,660,250 | 1,736 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 4,541 |
| Cost of funding earning assets | 0.6167% | 1,346 |
| Net interest margin | 2.9728% | 4,969 |
| Noninterest income to average assets | 0.3564% | 4,010 |
| Noninterest expense to average assets | 2.3247% | 4,276 |
| Loan and lease loss provision to assets | 0.0649% | 2,673 |
| Net operating income to assets | 0.4624% | 4,819 |
| Return on assets (ROA) | 0.5650% | 4,499 |
| Pretax return on assets | 0.8817% | 3,988 |
| Return on Equity (ROE) | 5.0022% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,124 |
| Net charge-offs to loans | 0.0327% | 2,540 |
| Credit loss provision to net charge-offs | 281.3953% | 1,005 |
| Earnings coverage of net charge-offs (x) | 34.1163% | 1,375 |
| Efficiency ratio | 74.7243% | 1,894 |
| Assets per employee ($millions) | 6.1455% | 1,361 |
| Cash dividends to net income (ytd only)* | 13.2827% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,708 |
| Loan loss allowance to noncurrent loans | 110.6145% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,885 |
| Noncurrent loans to loans | 0.7973% | 2,411 |
| Net loans and leases to total assets | 70.0841% | 2,512 |
| Net loans and leases to deposits | 94.2129% | 1,242 |
| Net loans and leases to core deposits | 98.4523% | 1,769 |
| Total domestic deposits to total assets | 74.3891% | 5,259 |
| Equity capital to assets | 11.2329% | 2,559 |
| Core capital (leverage) ratio | 11.3132% | 2,115 |
| Tier 1 risk-based capital ratio | 18.6393% | 1,681 |
| Total risk-based capital ratio | 19.7534% | 1,676 |
| Memoranda: | ||
| Average total assets | $373,125,670 | 1,831 |
| Average earning assets | $345,734,330 | 1,832 |
| Average equity | $42,141,670 | 1,773 |
| Average total loans | $263,002,000 | 1,750 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 4,478 |
| Cost of funding earning assets | 0.5973% | 1,393 |
| Net interest margin | 2.9818% | 4,924 |
| Noninterest income to average assets | 0.3456% | 4,079 |
| Noninterest expense to average assets | 2.3447% | 4,277 |
| Loan and lease loss provision to assets | 0.0488% | 2,833 |
| Net operating income to assets | 0.4591% | 4,742 |
| Return on assets (ROA) | 0.5721% | 4,317 |
| Pretax return on assets | 0.8928% | 3,799 |
| Return on Equity (ROE) | 5.0511% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.7118% | 3,588 |
| Net charge-offs to loans | 0.0508% | 1,845 |
| Credit loss provision to net charge-offs | 136.3636% | 1,275 |
| Earnings coverage of net charge-offs (x) | 21.3939% | 1,446 |
| Efficiency ratio | 75.4007% | 1,999 |
| Assets per employee ($millions) | 6.0398% | 1,479 |
| Cash dividends to net income (ytd only)* | 26.5152% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 4,829 |
| Loan loss allowance to noncurrent loans | 115.7895% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 3,101 |
| Noncurrent loans to loans | 0.7609% | 2,579 |
| Net loans and leases to total assets | 69.4000% | 2,478 |
| Net loans and leases to deposits | 93.4186% | 1,173 |
| Net loans and leases to core deposits | 96.4806% | 1,783 |
| Total domestic deposits to total assets | 74.2893% | 5,397 |
| Equity capital to assets | 11.2399% | 2,393 |
| Core capital (leverage) ratio | 11.5241% | 1,926 |
| Tier 1 risk-based capital ratio | 19.0787% | 1,599 |
| Total risk-based capital ratio | 20.1993% | 1,588 |
| Memoranda: | ||
| Average total assets | $369,177,500 | 1,863 |
| Average earning assets | $342,211,500 | 1,861 |
| Average equity | $41,812,500 | 1,784 |
| Average total loans | $259,797,000 | 1,776 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,477 |
| Cost of funding earning assets | 0.5943% | 1,380 |
| Net interest margin | 3.0196% | 4,919 |
| Noninterest income to average assets | 0.4584% | 3,489 |
| Noninterest expense to average assets | 2.4654% | 4,115 |
| Loan and lease loss provision to assets | 0.0867% | 2,630 |
| Net operating income to assets | 0.4534% | 4,787 |
| Return on assets (ROA) | 0.4888% | 4,752 |
| Pretax return on assets | 0.7455% | 4,357 |
| Return on Equity (ROE) | 4.0960% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.3528% | 3,534 |
| Net charge-offs to loans | 0.0626% | 2,804 |
| Credit loss provision to net charge-offs | 194.8387% | 1,451 |
| Earnings coverage of net charge-offs (x) | 17.4968% | 2,041 |
| Efficiency ratio | 76.0021% | 1,980 |
| Assets per employee ($millions) | 6.0648% | 1,430 |
| Cash dividends to net income (ytd only)* | 18.1445% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,806 |
| Loan loss allowance to noncurrent loans | 100.4810% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 2,837 |
| Noncurrent loans to loans | 0.8885% | 2,324 |
| Net loans and leases to total assets | 70.1057% | 2,450 |
| Net loans and leases to deposits | 94.2226% | 1,178 |
| Net loans and leases to core deposits | 98.0543% | 1,764 |
| Total domestic deposits to total assets | 74.4043% | 5,409 |
| Equity capital to assets | 11.4143% | 2,236 |
| Core capital (leverage) ratio | 11.9466% | 1,636 |
| Tier 1 risk-based capital ratio | 19.0636% | 1,578 |
| Total risk-based capital ratio | 20.1996% | 1,581 |
| Memoranda: | ||
| Average total assets | $348,377,000 | 1,908 |
| Average earning assets | $321,367,600 | 1,913 |
| Average equity | $41,577,000 | 1,783 |
| Average total loans | $247,455,600 | 1,802 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 4,388 |
| Cost of funding earning assets | 0.5969% | 1,354 |
| Net interest margin | 3.0588% | 4,882 |
| Noninterest income to average assets | 0.4904% | 3,321 |
| Noninterest expense to average assets | 2.5969% | 3,672 |
| Loan and lease loss provision to assets | 0.0592% | 3,074 |
| Net operating income to assets | 0.4287% | 4,936 |
| Return on assets (ROA) | 0.4764% | 4,865 |
| Pretax return on assets | 0.7249% | 4,541 |
| Return on Equity (ROE) | 3.9466% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.9559% | 4,136 |
| Net charge-offs to loans | 0.0011% | 3,913 |
| Credit loss provision to net charge-offs | 7,650.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 918.3296% | 92 |
| Efficiency ratio | 78.4887% | 1,620 |
| Assets per employee ($millions) | 5.5351% | 1,820 |
| Cash dividends to net income (ytd only)* | 25.1016% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 4,747 |
| Loan loss allowance to noncurrent loans | 99.0108% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 2,880 |
| Noncurrent loans to loans | 0.9400% | 2,361 |
| Net loans and leases to total assets | 71.4035% | 2,279 |
| Net loans and leases to deposits | 94.5892% | 1,196 |
| Net loans and leases to core deposits | 98.4511% | 1,772 |
| Total domestic deposits to total assets | 75.4880% | 5,289 |
| Equity capital to assets | 12.3124% | 1,888 |
| Core capital (leverage) ratio | 12.0182% | 1,665 |
| Tier 1 risk-based capital ratio | 19.1024% | 1,649 |
| Total risk-based capital ratio | 20.2379% | 1,633 |
| Memoranda: | ||
| Average total assets | $344,500,000 | 1,926 |
| Average earning assets | $317,415,000 | 1,937 |
| Average equity | $41,587,500 | 1,793 |
| Average total loans | $244,969,000 | 1,824 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,364 |
| Cost of funding earning assets | 0.5926% | 1,376 |
| Net interest margin | 3.0858% | 4,867 |
| Noninterest income to average assets | 0.5212% | 3,055 |
| Noninterest expense to average assets | 2.5494% | 3,888 |
| Loan and lease loss provision to assets | 0.0887% | 2,367 |
| Net operating income to assets | 0.4737% | 4,786 |
| Return on assets (ROA) | 0.5415% | 4,622 |
| Pretax return on assets | 0.8314% | 4,187 |
| Return on Equity (ROE) | 4.5158% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.5158% | 3,040 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7581% | 2,115 |
| Assets per employee ($millions) | 5.6248% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,878 |
| Loan loss allowance to noncurrent loans | 190.3306% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,080 |
| Noncurrent loans to loans | 0.4855% | 3,637 |
| Net loans and leases to total assets | 71.9730% | 2,175 |
| Net loans and leases to deposits | 95.4201% | 1,146 |
| Net loans and leases to core deposits | 99.5164% | 1,671 |
| Total domestic deposits to total assets | 75.4275% | 5,362 |
| Equity capital to assets | 12.3288% | 1,884 |
| Core capital (leverage) ratio | 11.9395% | 1,671 |
| Tier 1 risk-based capital ratio | 19.1183% | 1,666 |
| Total risk-based capital ratio | 20.2479% | 1,665 |
| Memoranda: | ||
| Average total assets | $344,941,670 | 1,931 |
| Average earning assets | $317,906,670 | 1,943 |
| Average equity | $41,365,670 | 1,795 |
| Average total loans | $244,178,330 | 1,833 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,364 |
| Cost of funding earning assets | 0.5911% | 1,397 |
| Net interest margin | 3.0972% | 4,870 |
| Noninterest income to average assets | 0.3840% | 3,956 |
| Noninterest expense to average assets | 2.5479% | 3,918 |
| Loan and lease loss provision to assets | 0.0891% | 2,196 |
| Net operating income to assets | 0.3982% | 5,001 |
| Return on assets (ROA) | 0.4753% | 4,821 |
| Pretax return on assets | 0.7182% | 4,459 |
| Return on Equity (ROE) | 4.0198% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.0198% | 3,480 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6786% | 1,803 |
| Assets per employee ($millions) | 5.8057% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,994 |
| Loan loss allowance to noncurrent loans | 131.0771% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 3,416 |
| Noncurrent loans to loans | 0.7014% | 3,091 |
| Net loans and leases to total assets | 68.8974% | 2,513 |
| Net loans and leases to deposits | 92.0464% | 1,342 |
| Net loans and leases to core deposits | 95.9485% | 1,803 |
| Total domestic deposits to total assets | 74.8508% | 5,536 |
| Equity capital to assets | 11.9039% | 2,088 |
| Core capital (leverage) ratio | 11.7137% | 1,815 |
| Tier 1 risk-based capital ratio | 18.7350% | 1,795 |
| Total risk-based capital ratio | 19.8106% | 1,796 |
| Memoranda: | ||
| Average total assets | $345,855,000 | 1,940 |
| Average earning assets | $318,740,000 | 1,941 |
| Average equity | $40,897,500 | 1,811 |
| Average total loans | $241,641,000 | 1,849 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 4,419 |
| Cost of funding earning assets | 0.6158% | 1,274 |
| Net interest margin | 3.0671% | 4,986 |
| Noninterest income to average assets | 0.4073% | 3,982 |
| Noninterest expense to average assets | 2.7463% | 3,425 |
| Loan and lease loss provision to assets | 0.0817% | 2,659 |
| Net operating income to assets | 0.2733% | 5,430 |
| Return on assets (ROA) | 0.3388% | 5,334 |
| Pretax return on assets | 0.4737% | 5,168 |
| Return on Equity (ROE) | 2.8273% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.8273% | 4,057 |
| Net charge-offs to loans | 0.0337% | 3,534 |
| Credit loss provision to net charge-offs | 354.5455% | 844 |
| Earnings coverage of net charge-offs (x) | 20.1558% | 1,895 |
| Efficiency ratio | 85.5345% | 1,036 |
| Assets per employee ($millions) | 5.6290% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 5,113 |
| Loan loss allowance to noncurrent loans | 128.8969% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 3,458 |
| Noncurrent loans to loans | 0.6920% | 3,121 |
| Net loans and leases to total assets | 69.5773% | 2,435 |
| Net loans and leases to deposits | 92.3655% | 1,359 |
| Net loans and leases to core deposits | 95.6914% | 1,878 |
| Total domestic deposits to total assets | 75.3283% | 5,518 |
| Equity capital to assets | 11.7451% | 2,152 |
| Core capital (leverage) ratio | 11.7567% | 1,775 |
| Tier 1 risk-based capital ratio | 19.4190% | 1,607 |
| Total risk-based capital ratio | 20.4894% | 1,607 |
| Memoranda: | ||
| Average total assets | $334,156,000 | 1,968 |
| Average earning assets | $305,433,600 | 1,990 |
| Average equity | $40,037,800 | 1,798 |
| Average total loans | $228,204,200 | 1,876 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,516 |
| Cost of funding earning assets | 0.6219% | 1,261 |
| Net interest margin | 3.0491% | 5,078 |
| Noninterest income to average assets | 0.4030% | 4,064 |
| Noninterest expense to average assets | 2.7698% | 3,306 |
| Loan and lease loss provision to assets | 0.0458% | 3,292 |
| Net operating income to assets | 0.2642% | 5,547 |
| Return on assets (ROA) | 0.3503% | 5,398 |
| Pretax return on assets | 0.4922% | 5,238 |
| Return on Equity (ROE) | 2.9091% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.9091% | 4,378 |
| Net charge-offs to loans | 0.0344% | 3,229 |
| Credit loss provision to net charge-offs | 196.5517% | 1,356 |
| Earnings coverage of net charge-offs (x) | 17.8796% | 2,038 |
| Efficiency ratio | 86.9247% | 942 |
| Assets per employee ($millions) | 5.0449% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 5,341 |
| Loan loss allowance to noncurrent loans | 47.2941% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 1,794 |
| Noncurrent loans to loans | 1.8115% | 1,306 |
| Net loans and leases to total assets | 67.8044% | 2,705 |
| Net loans and leases to deposits | 91.8429% | 1,429 |
| Net loans and leases to core deposits | 95.1198% | 1,968 |
| Total domestic deposits to total assets | 73.8265% | 5,727 |
| Equity capital to assets | 11.8023% | 2,263 |
| Core capital (leverage) ratio | 11.7354% | 1,868 |
| Tier 1 risk-based capital ratio | 19.1668% | 1,731 |
| Total risk-based capital ratio | 20.1629% | 1,763 |
| Memoranda: | ||
| Average total assets | $331,852,750 | 1,996 |
| Average earning assets | $302,945,000 | 2,019 |
| Average equity | $39,965,000 | 1,817 |
| Average total loans | $224,991,000 | 1,903 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,633 |
| Cost of funding earning assets | 0.6305% | 1,225 |
| Net interest margin | 3.0010% | 5,215 |
| Noninterest income to average assets | 0.3895% | 4,160 |
| Noninterest expense to average assets | 2.7563% | 3,392 |
| Loan and lease loss provision to assets | 0.0378% | 3,365 |
| Net operating income to assets | 0.2444% | 5,593 |
| Return on assets (ROA) | 0.3365% | 5,443 |
| Pretax return on assets | 0.4632% | 5,319 |
| Return on Equity (ROE) | 2.7745% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.7745% | 4,282 |
| Net charge-offs to loans | 0.0225% | 3,211 |
| Credit loss provision to net charge-offs | 248.0000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,556 |
| Efficiency ratio | 88.0280% | 906 |
| Assets per employee ($millions) | 4.8940% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 5,414 |
| Loan loss allowance to noncurrent loans | 43.3892% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 1,623 |
| Noncurrent loans to loans | 1.9972% | 1,224 |
| Net loans and leases to total assets | 67.4837% | 2,720 |
| Net loans and leases to deposits | 89.6828% | 1,638 |
| Net loans and leases to core deposits | 90.4782% | 2,303 |
| Total domestic deposits to total assets | 75.2471% | 5,679 |
| Equity capital to assets | 11.7589% | 2,193 |
| Core capital (leverage) ratio | 11.9735% | 1,679 |
| Tier 1 risk-based capital ratio | 19.8908% | 1,575 |
| Total risk-based capital ratio | 20.9210% | 1,594 |
| Memoranda: | ||
| Average total assets | $328,119,330 | 2,030 |
| Average earning assets | $299,768,330 | 2,048 |
| Average equity | $39,790,670 | 1,831 |
| Average total loans | $221,783,000 | 1,931 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 4,528 |
| Cost of funding earning assets | 0.6372% | 1,192 |
| Net interest margin | 3.0149% | 5,174 |
| Noninterest income to average assets | 0.3922% | 4,066 |
| Noninterest expense to average assets | 2.7699% | 3,344 |
| Loan and lease loss provision to assets | 0.0384% | 3,141 |
| Net operating income to assets | 0.2381% | 5,595 |
| Return on assets (ROA) | 0.4181% | 5,124 |
| Pretax return on assets | 0.5889% | 4,945 |
| Return on Equity (ROE) | 3.3943% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.3943% | 3,941 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1149% | 1,007 |
| Assets per employee ($millions) | 4.7683% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 5,453 |
| Loan loss allowance to noncurrent loans | 42.2790% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 1,702 |
| Noncurrent loans to loans | 2.1155% | 1,216 |
| Net loans and leases to total assets | 67.8354% | 2,470 |
| Net loans and leases to deposits | 89.3827% | 1,449 |
| Net loans and leases to core deposits | 93.1831% | 1,837 |
| Total domestic deposits to total assets | 75.8932% | 5,745 |
| Equity capital to assets | 12.3706% | 1,772 |
| Core capital (leverage) ratio | 12.2064% | 1,506 |
| Tier 1 risk-based capital ratio | 19.1670% | 1,827 |
| Total risk-based capital ratio | 20.1631% | 1,855 |
| Memoranda: | ||
| Average total assets | $323,336,000 | 2,062 |
| Average earning assets | $295,063,500 | 2,082 |
| Average equity | $39,832,000 | 1,836 |
| Average total loans | $217,737,000 | 1,954 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 4,760 |
| Cost of funding earning assets | 0.6989% | 1,118 |
| Net interest margin | 3.0095% | 5,430 |
| Noninterest income to average assets | 0.4470% | 3,850 |
| Noninterest expense to average assets | 2.8128% | 3,429 |
| Loan and lease loss provision to assets | 0.1566% | 1,677 |
| Net operating income to assets | 0.1711% | 5,824 |
| Return on assets (ROA) | 0.3073% | 5,574 |
| Pretax return on assets | 0.3928% | 5,505 |
| Return on Equity (ROE) | 2.6163% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.6163% | 4,383 |
| Net charge-offs to loans | 0.2704% | 1,594 |
| Credit loss provision to net charge-offs | 90.9253% | 2,627 |
| Earnings coverage of net charge-offs (x) | 2.1762% | 4,229 |
| Efficiency ratio | 88.2438% | 975 |
| Assets per employee ($millions) | 4.5412% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 5,422 |
| Loan loss allowance to noncurrent loans | 64.9169% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 2,717 |
| Noncurrent loans to loans | 1.4096% | 2,080 |
| Net loans and leases to total assets | 65.6217% | 2,960 |
| Net loans and leases to deposits | 86.1862% | 1,955 |
| Net loans and leases to core deposits | 89.8693% | 2,298 |
| Total domestic deposits to total assets | 76.1394% | 5,712 |
| Equity capital to assets | 12.2673% | 1,810 |
| Core capital (leverage) ratio | 11.5505% | 1,942 |
| Tier 1 risk-based capital ratio | 20.3910% | 1,525 |
| Total risk-based capital ratio | 21.4901% | 1,520 |
| Memoranda: | ||
| Average total assets | $326,367,200 | 1,990 |
| Average earning assets | $297,190,600 | 2,014 |
| Average equity | $38,336,400 | 1,843 |
| Average total loans | $207,868,400 | 1,986 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 4,866 |
| Cost of funding earning assets | 0.7061% | 1,124 |
| Net interest margin | 2.9922% | 5,519 |
| Noninterest income to average assets | 0.4619% | 3,799 |
| Noninterest expense to average assets | 2.8617% | 3,255 |
| Loan and lease loss provision to assets | 0.0187% | 4,032 |
| Net operating income to assets | 0.2290% | 5,789 |
| Return on assets (ROA) | 0.3662% | 5,452 |
| Pretax return on assets | 0.4920% | 5,341 |
| Return on Equity (ROE) | 3.1516% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.1516% | 4,381 |
| Net charge-offs to loans | 0.0297% | 3,893 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 17.3701% | 1,907 |
| Efficiency ratio | 89.7891% | 854 |
| Assets per employee ($millions) | 4.6556% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 5,480 |
| Loan loss allowance to noncurrent loans | 88.7218% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 3,737 |
| Noncurrent loans to loans | 1.0552% | 2,965 |
| Net loans and leases to total assets | 65.1375% | 3,005 |
| Net loans and leases to deposits | 88.7022% | 1,592 |
| Net loans and leases to core deposits | 92.3682% | 2,003 |
| Total domestic deposits to total assets | 73.4339% | 6,061 |
| Equity capital to assets | 11.9507% | 2,100 |
| Core capital (leverage) ratio | 11.2555% | 2,256 |
| Tier 1 risk-based capital ratio | 19.9547% | 1,684 |
| Total risk-based capital ratio | 21.0804% | 1,682 |
| Memoranda: | ||
| Average total assets | $327,352,250 | 1,995 |
| Average earning assets | $298,150,000 | 2,019 |
| Average equity | $38,032,250 | 1,862 |
| Average total loans | $206,451,500 | 2,011 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,896 |
| Cost of funding earning assets | 0.7065% | 1,163 |
| Net interest margin | 2.9810% | 5,574 |
| Noninterest income to average assets | 0.4758% | 3,665 |
| Noninterest expense to average assets | 2.8471% | 3,344 |
| Loan and lease loss provision to assets | 0.0177% | 3,906 |
| Net operating income to assets | 0.2588% | 5,689 |
| Return on assets (ROA) | 0.2886% | 5,678 |
| Pretax return on assets | 0.3612% | 5,658 |
| Return on Equity (ROE) | 2.5074% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.5074% | 4,607 |
| Net charge-offs to loans | 0.0383% | 3,454 |
| Credit loss provision to net charge-offs | 74.3590% | 2,396 |
| Earnings coverage of net charge-offs (x) | 14.3590% | 1,912 |
| Efficiency ratio | 89.2864% | 967 |
| Assets per employee ($millions) | 4.7625% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 5,516 |
| Loan loss allowance to noncurrent loans | 102.4115% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 4,200 |
| Noncurrent loans to loans | 0.9391% | 3,367 |
| Net loans and leases to total assets | 62.5477% | 3,316 |
| Net loans and leases to deposits | 85.2384% | 1,894 |
| Net loans and leases to core deposits | 88.8099% | 2,228 |
| Total domestic deposits to total assets | 73.3797% | 6,162 |
| Equity capital to assets | 11.8076% | 2,146 |
| Core capital (leverage) ratio | 11.1436% | 2,296 |
| Tier 1 risk-based capital ratio | 20.0306% | 1,676 |
| Total risk-based capital ratio | 21.1640% | 1,675 |
| Memoranda: | ||
| Average total assets | $327,840,000 | 1,989 |
| Average earning assets | $298,353,670 | 2,020 |
| Average equity | $37,727,670 | 1,865 |
| Average total loans | $203,841,330 | 2,023 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 4,938 |
| Cost of funding earning assets | 0.6943% | 1,284 |
| Net interest margin | 2.9785% | 5,576 |
| Noninterest income to average assets | 0.3775% | 4,369 |
| Noninterest expense to average assets | 2.8425% | 3,405 |
| Loan and lease loss provision to assets | 0.0171% | 3,609 |
| Net operating income to assets | 0.1944% | 5,817 |
| Return on assets (ROA) | 0.1954% | 5,860 |
| Pretax return on assets | 0.2284% | 5,874 |
| Return on Equity (ROE) | 1.7208% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.7208% | 4,927 |
| Net charge-offs to loans | -0.0059% | 4,864 |
| Credit loss provision to net charge-offs | -466.6667% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0855% | 879 |
| Assets per employee ($millions) | 4.8165% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 5,560 |
| Loan loss allowance to noncurrent loans | 108.9978% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 4,476 |
| Noncurrent loans to loans | 0.9100% | 3,605 |
| Net loans and leases to total assets | 60.7646% | 3,435 |
| Net loans and leases to deposits | 84.2279% | 1,797 |
| Net loans and leases to core deposits | 87.9248% | 2,103 |
| Total domestic deposits to total assets | 72.1431% | 6,350 |
| Equity capital to assets | 11.3303% | 2,393 |
| Core capital (leverage) ratio | 10.9556% | 2,427 |
| Tier 1 risk-based capital ratio | 19.9643% | 1,732 |
| Total risk-based capital ratio | 21.1315% | 1,713 |
| Memoranda: | ||
| Average total assets | $327,455,000 | 1,996 |
| Average earning assets | $297,871,000 | 2,025 |
| Average equity | $37,191,000 | 1,886 |
| Average total loans | $201,995,000 | 2,037 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 5,226 |
| Cost of funding earning assets | 0.7705% | 1,374 |
| Net interest margin | 2.8976% | 5,788 |
| Noninterest income to average assets | 0.4056% | 4,404 |
| Noninterest expense to average assets | 2.8132% | 3,678 |
| Loan and lease loss provision to assets | 0.0146% | 4,836 |
| Net operating income to assets | 0.1564% | 5,930 |
| Return on assets (ROA) | 0.4127% | 5,217 |
| Pretax return on assets | 0.5531% | 5,036 |
| Return on Equity (ROE) | 3.5511% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.5511% | 3,691 |
| Net charge-offs to loans | 0.0365% | 4,717 |
| Credit loss provision to net charge-offs | 68.1159% | 3,352 |
| Earnings coverage of net charge-offs (x) | 10.5652% | 2,349 |
| Efficiency ratio | 92.5673% | 836 |
| Assets per employee ($millions) | 4.6750% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,548 |
| Loan loss allowance to noncurrent loans | 119.5471% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 4,686 |
| Noncurrent loans to loans | 0.8389% | 3,883 |
| Net loans and leases to total assets | 61.3869% | 3,467 |
| Net loans and leases to deposits | 86.1955% | 1,657 |
| Net loans and leases to core deposits | 90.2987% | 1,984 |
| Total domestic deposits to total assets | 71.2182% | 6,463 |
| Equity capital to assets | 11.3857% | 2,248 |
| Core capital (leverage) ratio | 10.9053% | 2,470 |
| Tier 1 risk-based capital ratio | 19.4746% | 1,796 |
| Total risk-based capital ratio | 20.6276% | 1,779 |
| Memoranda: | ||
| Average total assets | $322,728,400 | 1,989 |
| Average earning assets | $293,308,200 | 2,023 |
| Average equity | $37,509,200 | 1,849 |
| Average total loans | $189,004,800 | 2,110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 5,317 |
| Cost of funding earning assets | 0.7942% | 1,359 |
| Net interest margin | 2.8501% | 5,919 |
| Noninterest income to average assets | 0.4106% | 4,447 |
| Noninterest expense to average assets | 2.8408% | 3,521 |
| Loan and lease loss provision to assets | 0.0198% | 4,610 |
| Net operating income to assets | 0.1037% | 6,132 |
| Return on assets (ROA) | 0.4160% | 5,321 |
| Pretax return on assets | 0.5577% | 5,177 |
| Return on Equity (ROE) | 3.5609% | 5,413 |
| Retained earnings to average equity (ytd only) | 3.5609% | 4,166 |
| Net charge-offs to loans | 0.0480% | 4,222 |
| Credit loss provision to net charge-offs | 71.6418% | 3,036 |
| Earnings coverage of net charge-offs (x) | 5.8210% | 3,098 |
| Efficiency ratio | 94.6333% | 701 |
| Assets per employee ($millions) | 4.5617% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,598 |
| Loan loss allowance to noncurrent loans | 152.6596% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 4,586 |
| Noncurrent loans to loans | 0.6745% | 4,516 |
| Net loans and leases to total assets | 59.6174% | 3,756 |
| Net loans and leases to deposits | 86.5017% | 1,561 |
| Net loans and leases to core deposits | 90.5816% | 1,920 |
| Total domestic deposits to total assets | 68.9205% | 6,637 |
| Equity capital to assets | 11.4205% | 2,360 |
| Core capital (leverage) ratio | 10.8841% | 2,582 |
| Tier 1 risk-based capital ratio | 19.6992% | 1,814 |
| Total risk-based capital ratio | 20.8660% | 1,797 |
| Memoranda: | ||
| Average total assets | $322,767,500 | 2,000 |
| Average earning assets | $293,461,000 | 2,024 |
| Average equity | $37,704,750 | 1,855 |
| Average total loans | $186,250,250 | 2,139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 5,337 |
| Cost of funding earning assets | 0.8115% | 1,360 |
| Net interest margin | 2.8235% | 5,958 |
| Noninterest income to average assets | 0.4398% | 4,248 |
| Noninterest expense to average assets | 2.8456% | 3,528 |
| Loan and lease loss provision to assets | 0.0199% | 4,500 |
| Net operating income to assets | 0.1070% | 6,118 |
| Return on assets (ROA) | 0.4150% | 5,318 |
| Pretax return on assets | 0.5558% | 5,182 |
| Return on Equity (ROE) | 3.5263% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.5263% | 4,075 |
| Net charge-offs to loans | 0.0131% | 4,591 |
| Credit loss provision to net charge-offs | 266.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,382 |
| Efficiency ratio | 94.5189% | 739 |
| Assets per employee ($millions) | 4.4577% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 5,501 |
| Loan loss allowance to noncurrent loans | 157.0552% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 4,683 |
| Noncurrent loans to loans | 0.6910% | 4,554 |
| Net loans and leases to total assets | 58.1611% | 3,959 |
| Net loans and leases to deposits | 82.1709% | 2,039 |
| Net loans and leases to core deposits | 86.6746% | 2,263 |
| Total domestic deposits to total assets | 70.7806% | 6,626 |
| Equity capital to assets | 11.4614% | 2,334 |
| Core capital (leverage) ratio | 10.9145% | 2,437 |
| Tier 1 risk-based capital ratio | 19.8741% | 1,747 |
| Total risk-based capital ratio | 21.0907% | 1,731 |
| Memoranda: | ||
| Average total assets | $322,396,000 | 2,013 |
| Average earning assets | $293,535,670 | 2,023 |
| Average equity | $37,943,330 | 1,850 |
| Average total loans | $183,300,670 | 2,169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 5,346 |
| Cost of funding earning assets | 0.8035% | 1,505 |
| Net interest margin | 2.8326% | 5,965 |
| Noninterest income to average assets | 0.4407% | 4,179 |
| Noninterest expense to average assets | 2.8522% | 3,533 |
| Loan and lease loss provision to assets | 0.0198% | 4,220 |
| Net operating income to assets | 0.1051% | 6,134 |
| Return on assets (ROA) | 0.5843% | 4,442 |
| Pretax return on assets | 0.8368% | 4,015 |
| Return on Equity (ROE) | 4.9011% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.9011% | 3,297 |
| Net charge-offs to loans | 0.0177% | 3,799 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,322 |
| Efficiency ratio | 94.3103% | 811 |
| Assets per employee ($millions) | 4.6158% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,540 |
| Loan loss allowance to noncurrent loans | 135.6429% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 4,657 |
| Noncurrent loans to loans | 0.8227% | 4,478 |
| Net loans and leases to total assets | 55.8338% | 4,112 |
| Net loans and leases to deposits | 79.7609% | 2,106 |
| Net loans and leases to core deposits | 84.1656% | 2,301 |
| Total domestic deposits to total assets | 70.0015% | 6,761 |
| Equity capital to assets | 11.9167% | 2,099 |
| Core capital (leverage) ratio | 11.2044% | 2,090 |
| Tier 1 risk-based capital ratio | 20.6846% | 1,619 |
| Total risk-based capital ratio | 21.9104% | 1,590 |
| Memoranda: | ||
| Average total assets | $323,116,500 | 2,029 |
| Average earning assets | $294,712,000 | 2,041 |
| Average equity | $38,522,000 | 1,847 |
| Average total loans | $180,591,500 | 2,206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 5,615 |
| Cost of funding earning assets | 0.9910% | 1,403 |
| Net interest margin | 2.8943% | 6,235 |
| Noninterest income to average assets | 0.4400% | 4,320 |
| Noninterest expense to average assets | 2.7768% | 4,118 |
| Loan and lease loss provision to assets | 0.0470% | 5,246 |
| Net operating income to assets | 0.2079% | 5,763 |
| Return on assets (ROA) | 0.3050% | 5,656 |
| Pretax return on assets | 0.3619% | 5,677 |
| Return on Equity (ROE) | 2.5885% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.5885% | 4,405 |
| Net charge-offs to loans | 0.3251% | 3,023 |
| Credit loss provision to net charge-offs | 26.2069% | 5,184 |
| Earnings coverage of net charge-offs (x) | 1.6362% | 4,627 |
| Efficiency ratio | 90.4479% | 1,024 |
| Assets per employee ($millions) | 4.4878% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,417 |
| Loan loss allowance to noncurrent loans | 143.5244% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 4,827 |
| Noncurrent loans to loans | 0.7905% | 4,601 |
| Net loans and leases to total assets | 54.6895% | 4,514 |
| Net loans and leases to deposits | 76.0133% | 2,808 |
| Net loans and leases to core deposits | 80.6134% | 2,926 |
| Total domestic deposits to total assets | 71.9473% | 6,694 |
| Equity capital to assets | 11.9273% | 2,089 |
| Core capital (leverage) ratio | 11.1046% | 2,161 |
| Tier 1 risk-based capital ratio | 20.8113% | 1,499 |
| Total risk-based capital ratio | 22.0558% | 1,470 |
| Memoranda: | ||
| Average total assets | $323,606,600 | 1,988 |
| Average earning assets | $294,059,000 | 2,009 |
| Average equity | $38,130,600 | 1,822 |
| Average total loans | $178,422,800 | 2,223 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 5,699 |
| Cost of funding earning assets | 1.0079% | 1,508 |
| Net interest margin | 2.9271% | 6,307 |
| Noninterest income to average assets | 0.4489% | 4,301 |
| Noninterest expense to average assets | 2.7619% | 4,121 |
| Loan and lease loss provision to assets | 0.0486% | 5,163 |
| Net operating income to assets | 0.2399% | 5,808 |
| Return on assets (ROA) | 0.3612% | 5,602 |
| Pretax return on assets | 0.4489% | 5,600 |
| Return on Equity (ROE) | 3.0748% | 5,653 |
| Retained earnings to average equity (ytd only) | 3.0748% | 4,710 |
| Net charge-offs to loans | 0.4194% | 2,413 |
| Credit loss provision to net charge-offs | 21.0339% | 4,939 |
| Earnings coverage of net charge-offs (x) | 1.4973% | 4,541 |
| Efficiency ratio | 88.8683% | 1,123 |
| Assets per employee ($millions) | 4.5063% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,655 |
| Loan loss allowance to noncurrent loans | 123.6632% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 4,878 |
| Noncurrent loans to loans | 0.9024% | 4,624 |
| Net loans and leases to total assets | 54.9481% | 4,599 |
| Net loans and leases to deposits | 78.6045% | 2,580 |
| Net loans and leases to core deposits | 83.6973% | 2,731 |
| Total domestic deposits to total assets | 69.9046% | 6,849 |
| Equity capital to assets | 11.9422% | 2,312 |
| Core capital (leverage) ratio | 10.9727% | 2,417 |
| Tier 1 risk-based capital ratio | 20.6910% | 1,598 |
| Total risk-based capital ratio | 21.9275% | 1,568 |
| Memoranda: | ||
| Average total assets | $323,727,250 | 2,006 |
| Average earning assets | $294,070,000 | 2,030 |
| Average equity | $38,028,250 | 1,847 |
| Average total loans | $178,342,750 | 2,252 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 5,690 |
| Cost of funding earning assets | 1.0181% | 1,661 |
| Net interest margin | 2.9668% | 6,304 |
| Noninterest income to average assets | 0.4377% | 4,380 |
| Noninterest expense to average assets | 2.7791% | 4,097 |
| Loan and lease loss provision to assets | 0.0482% | 5,072 |
| Net operating income to assets | 0.2389% | 5,799 |
| Return on assets (ROA) | 0.4099% | 5,412 |
| Pretax return on assets | 0.5397% | 5,337 |
| Return on Equity (ROE) | 3.5090% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.5090% | 4,256 |
| Net charge-offs to loans | 0.0484% | 4,719 |
| Credit loss provision to net charge-offs | 181.3953% | 1,557 |
| Earnings coverage of net charge-offs (x) | 13.6512% | 1,777 |
| Efficiency ratio | 88.4494% | 1,194 |
| Assets per employee ($millions) | 4.5299% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,495 |
| Loan loss allowance to noncurrent loans | 84.4121% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 4,562 |
| Noncurrent loans to loans | 1.6509% | 3,429 |
| Net loans and leases to total assets | 54.0423% | 4,792 |
| Net loans and leases to deposits | 75.3784% | 3,065 |
| Net loans and leases to core deposits | 79.4215% | 3,301 |
| Total domestic deposits to total assets | 71.6947% | 6,818 |
| Equity capital to assets | 11.7230% | 2,391 |
| Core capital (leverage) ratio | 10.9320% | 2,369 |
| Tier 1 risk-based capital ratio | 20.6360% | 1,542 |
| Total risk-based capital ratio | 21.8895% | 1,524 |
| Memoranda: | ||
| Average total assets | $323,484,670 | 2,003 |
| Average earning assets | $294,867,000 | 2,015 |
| Average equity | $37,788,670 | 1,850 |
| Average total loans | $177,692,330 | 2,263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 5,620 |
| Cost of funding earning assets | 1.0459% | 1,706 |
| Net interest margin | 2.9999% | 6,293 |
| Noninterest income to average assets | 0.4259% | 4,477 |
| Noninterest expense to average assets | 2.7900% | 4,075 |
| Loan and lease loss provision to assets | 0.0472% | 4,814 |
| Net operating income to assets | 0.2424% | 5,847 |
| Return on assets (ROA) | 0.4147% | 5,384 |
| Pretax return on assets | 0.5501% | 5,282 |
| Return on Equity (ROE) | 3.5565% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.5565% | 4,449 |
| Net charge-offs to loans | 0.0248% | 4,341 |
| Credit loss provision to net charge-offs | 345.4545% | 883 |
| Earnings coverage of net charge-offs (x) | 26.9091% | 995 |
| Efficiency ratio | 88.3602% | 1,238 |
| Assets per employee ($millions) | 4.5827% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 4,626 |
| Loan loss allowance to noncurrent loans | 85.3902% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 4,737 |
| Noncurrent loans to loans | 1.6361% | 3,651 |
| Net loans and leases to total assets | 53.8819% | 4,741 |
| Net loans and leases to deposits | 76.2235% | 2,764 |
| Net loans and leases to core deposits | 80.3282% | 3,036 |
| Total domestic deposits to total assets | 70.6893% | 6,949 |
| Equity capital to assets | 11.5941% | 2,355 |
| Core capital (leverage) ratio | 10.9108% | 2,335 |
| Tier 1 risk-based capital ratio | 20.3993% | 1,616 |
| Total risk-based capital ratio | 21.6527% | 1,587 |
| Memoranda: | ||
| Average total assets | $322,150,000 | 2,018 |
| Average earning assets | $293,342,500 | 2,031 |
| Average equity | $37,565,500 | 1,855 |
| Average total loans | $177,162,500 | 2,277 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 5,781 |
| Cost of funding earning assets | 1.1827% | 2,144 |
| Net interest margin | 3.1108% | 6,323 |
| Noninterest income to average assets | 0.6547% | 2,862 |
| Noninterest expense to average assets | 2.8349% | 4,219 |
| Loan and lease loss provision to assets | 0.1706% | 4,508 |
| Net operating income to assets | 0.3815% | 4,942 |
| Return on assets (ROA) | 0.3856% | 5,091 |
| Pretax return on assets | 0.4791% | 5,048 |
| Return on Equity (ROE) | 3.3384% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.3384% | 3,848 |
| Net charge-offs to loans | 0.0051% | 6,361 |
| Credit loss provision to net charge-offs | 5,977.7778% | 39 |
| Earnings coverage of net charge-offs (x) | 225.8889% | 151 |
| Efficiency ratio | 81.4744% | 2,088 |
| Assets per employee ($millions) | 4.1964% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,500 |
| Loan loss allowance to noncurrent loans | 84.9827% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 4,800 |
| Noncurrent loans to loans | 1.6372% | 3,709 |
| Net loans and leases to total assets | 54.5793% | 4,937 |
| Net loans and leases to deposits | 77.0543% | 2,990 |
| Net loans and leases to core deposits | 82.1180% | 3,158 |
| Total domestic deposits to total assets | 70.8322% | 6,942 |
| Equity capital to assets | 11.7290% | 2,318 |
| Core capital (leverage) ratio | 10.7165% | 2,509 |
| Tier 1 risk-based capital ratio | 20.3658% | 1,553 |
| Total risk-based capital ratio | 21.6212% | 1,528 |
| Memoranda: | ||
| Average total assets | $315,389,000 | 2,036 |
| Average earning assets | $286,388,600 | 2,046 |
| Average equity | $36,424,200 | 1,858 |
| Average total loans | $175,697,800 | 2,312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 5,827 |
| Cost of funding earning assets | 1.1964% | 2,335 |
| Net interest margin | 3.1402% | 6,313 |
| Noninterest income to average assets | 0.7148% | 2,511 |
| Noninterest expense to average assets | 2.8611% | 4,098 |
| Loan and lease loss provision to assets | 0.2162% | 3,852 |
| Net operating income to assets | 0.3872% | 5,050 |
| Return on assets (ROA) | 0.3926% | 5,218 |
| Pretax return on assets | 0.4939% | 5,183 |
| Return on Equity (ROE) | 3.4126% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.4126% | 4,307 |
| Net charge-offs to loans | 0.0046% | 6,127 |
| Credit loss provision to net charge-offs | 8,500.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 276.4925% | 137 |
| Efficiency ratio | 80.2688% | 2,220 |
| Assets per employee ($millions) | 4.7235% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,660 |
| Loan loss allowance to noncurrent loans | 85.3881% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 4,992 |
| Noncurrent loans to loans | 1.6107% | 3,882 |
| Net loans and leases to total assets | 53.4861% | 5,247 |
| Net loans and leases to deposits | 77.2567% | 3,125 |
| Net loans and leases to core deposits | 82.2871% | 3,281 |
| Total domestic deposits to total assets | 69.2317% | 7,075 |
| Equity capital to assets | 11.3927% | 2,781 |
| Core capital (leverage) ratio | 10.6968% | 2,667 |
| Tier 1 risk-based capital ratio | 20.5428% | 1,551 |
| Total risk-based capital ratio | 21.7965% | 1,520 |
| Memoranda: | ||
| Average total assets | $314,504,500 | 2,045 |
| Average earning assets | $285,412,750 | 2,062 |
| Average equity | $36,178,500 | 1,869 |
| Average total loans | $175,491,250 | 2,319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 5,662 |
| Cost of funding earning assets | 1.2169% | 2,463 |
| Net interest margin | 3.1909% | 6,188 |
| Noninterest income to average assets | 0.5407% | 3,553 |
| Noninterest expense to average assets | 2.8935% | 4,043 |
| Loan and lease loss provision to assets | 0.0315% | 5,916 |
| Net operating income to assets | 0.4053% | 4,920 |
| Return on assets (ROA) | 0.4068% | 5,071 |
| Pretax return on assets | 0.5124% | 5,022 |
| Return on Equity (ROE) | 3.5247% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.5247% | 4,005 |
| Net charge-offs to loans | 0.0091% | 5,724 |
| Credit loss provision to net charge-offs | 612.5000% | 509 |
| Earnings coverage of net charge-offs (x) | 105.2500% | 345 |
| Efficiency ratio | 84.2233% | 1,791 |
| Assets per employee ($millions) | 4.1838% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 5,980 |
| Loan loss allowance to noncurrent loans | 99.0438% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 5,648 |
| Noncurrent loans to loans | 1.1056% | 4,821 |
| Net loans and leases to total assets | 56.6499% | 4,877 |
| Net loans and leases to deposits | 80.2723% | 2,745 |
| Net loans and leases to core deposits | 85.3564% | 3,021 |
| Total domestic deposits to total assets | 70.5722% | 7,081 |
| Equity capital to assets | 11.6201% | 2,392 |
| Core capital (leverage) ratio | 10.7315% | 2,490 |
| Tier 1 risk-based capital ratio | 19.9790% | 1,612 |
| Total risk-based capital ratio | 21.2079% | 1,592 |
| Memoranda: | ||
| Average total assets | $310,699,330 | 2,074 |
| Average earning assets | $281,863,000 | 2,088 |
| Average equity | $35,861,000 | 1,871 |
| Average total loans | $175,070,670 | 2,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 5,697 |
| Cost of funding earning assets | 1.2230% | 2,667 |
| Net interest margin | 3.1780% | 6,140 |
| Noninterest income to average assets | 0.6133% | 3,077 |
| Noninterest expense to average assets | 2.9513% | 3,849 |
| Loan and lease loss provision to assets | 0.0298% | 5,594 |
| Net operating income to assets | 0.4096% | 4,904 |
| Return on assets (ROA) | 0.4127% | 4,983 |
| Pretax return on assets | 0.5175% | 4,968 |
| Return on Equity (ROE) | 3.5883% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.5883% | 4,030 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4502% | 1,903 |
| Assets per employee ($millions) | 4.3672% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,935 |
| Loan loss allowance to noncurrent loans | 206.1311% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 6,293 |
| Noncurrent loans to loans | 0.5474% | 5,930 |
| Net loans and leases to total assets | 54.3382% | 5,257 |
| Net loans and leases to deposits | 76.9855% | 3,257 |
| Net loans and leases to core deposits | 82.7626% | 3,345 |
| Total domestic deposits to total assets | 70.5824% | 7,152 |
| Equity capital to assets | 11.3390% | 2,387 |
| Core capital (leverage) ratio | 10.7547% | 2,394 |
| Tier 1 risk-based capital ratio | 20.1754% | 1,552 |
| Total risk-based capital ratio | 21.4255% | 1,520 |
| Memoranda: | ||
| Average total assets | $309,156,500 | 2,104 |
| Average earning assets | $280,298,000 | 2,110 |
| Average equity | $35,560,500 | 1,869 |
| Average total loans | $172,742,500 | 2,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 5,413 |
| Cost of funding earning assets | 1.4194% | 3,138 |
| Net interest margin | 3.3787% | 5,706 |
| Noninterest income to average assets | 0.5312% | 3,947 |
| Noninterest expense to average assets | 3.0364% | 3,706 |
| Loan and lease loss provision to assets | 0.0519% | 6,636 |
| Net operating income to assets | 0.4157% | 4,479 |
| Return on assets (ROA) | 0.4146% | 4,617 |
| Pretax return on assets | 0.4974% | 4,628 |
| Return on Equity (ROE) | 3.5156% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.5156% | 3,399 |
| Net charge-offs to loans | 0.0306% | 6,500 |
| Credit loss provision to net charge-offs | 287.0370% | 944 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 722 |
| Efficiency ratio | 84.6499% | 1,841 |
| Assets per employee ($millions) | 4.1627% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,897 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 5,703 |
| Noncurrent loans to loans | 1.1160% | 4,872 |
| Net loans and leases to total assets | 56.1902% | 5,315 |
| Net loans and leases to deposits | 78.7885% | 3,368 |
| Net loans and leases to core deposits | 83.9663% | 3,595 |
| Total domestic deposits to total assets | 71.3178% | 7,143 |
| Equity capital to assets | 11.6716% | 2,146 |
| Core capital (leverage) ratio | 10.8824% | 2,243 |
| Tier 1 risk-based capital ratio | 20.0357% | 1,482 |
| Total risk-based capital ratio | 21.2668% | 1,457 |
| Memoranda: | ||
| Average total assets | $298,581,400 | 2,158 |
| Average earning assets | $270,048,400 | 2,181 |
| Average equity | $35,214,600 | 1,883 |
| Average total loans | $176,242,400 | 2,396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 5,292 |
| Cost of funding earning assets | 1.4485% | 3,284 |
| Net interest margin | 3.4457% | 5,509 |
| Noninterest income to average assets | 0.5418% | 3,851 |
| Noninterest expense to average assets | 3.0384% | 3,614 |
| Loan and lease loss provision to assets | 0.0520% | 6,561 |
| Net operating income to assets | 0.4579% | 4,500 |
| Return on assets (ROA) | 0.4656% | 4,652 |
| Pretax return on assets | 0.5755% | 4,678 |
| Return on Equity (ROE) | 3.9372% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.9372% | 3,702 |
| Net charge-offs to loans | 0.0248% | 6,326 |
| Credit loss provision to net charge-offs | 351.5152% | 893 |
| Earnings coverage of net charge-offs (x) | 41.7566% | 660 |
| Efficiency ratio | 83.0962% | 1,941 |
| Assets per employee ($millions) | 4.1558% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,978 |
| Loan loss allowance to noncurrent loans | 260.7923% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 6,761 |
| Noncurrent loans to loans | 0.4181% | 6,363 |
| Net loans and leases to total assets | 57.0747% | 5,404 |
| Net loans and leases to deposits | 79.5007% | 3,544 |
| Net loans and leases to core deposits | 84.9529% | 3,812 |
| Total domestic deposits to total assets | 71.7914% | 7,151 |
| Equity capital to assets | 11.7883% | 2,294 |
| Core capital (leverage) ratio | 11.0596% | 2,219 |
| Tier 1 risk-based capital ratio | 20.2839% | 1,487 |
| Total risk-based capital ratio | 21.5168% | 1,467 |
| Memoranda: | ||
| Average total assets | $297,258,000 | 2,205 |
| Average earning assets | $268,692,500 | 2,225 |
| Average equity | $35,151,500 | 1,905 |
| Average total loans | $177,134,250 | 2,418 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 4,988 |
| Cost of funding earning assets | 1.4794% | 3,371 |
| Net interest margin | 3.5096% | 5,210 |
| Noninterest income to average assets | 0.5386% | 3,803 |
| Noninterest expense to average assets | 3.0757% | 3,410 |
| Loan and lease loss provision to assets | 0.0528% | 6,432 |
| Net operating income to assets | 0.4777% | 4,422 |
| Return on assets (ROA) | 0.4783% | 4,577 |
| Pretax return on assets | 0.5833% | 4,611 |
| Return on Equity (ROE) | 4.0403% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.0403% | 3,513 |
| Net charge-offs to loans | 0.0349% | 5,865 |
| Credit loss provision to net charge-offs | 251.6129% | 1,519 |
| Earnings coverage of net charge-offs (x) | 30.2581% | 917 |
| Efficiency ratio | 82.8770% | 2,058 |
| Assets per employee ($millions) | 4.0570% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 6,199 |
| Loan loss allowance to noncurrent loans | 142.7591% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 6,360 |
| Noncurrent loans to loans | 0.7327% | 5,789 |
| Net loans and leases to total assets | 59.0182% | 5,245 |
| Net loans and leases to deposits | 82.3232% | 3,215 |
| Net loans and leases to core deposits | 87.9060% | 3,560 |
| Total domestic deposits to total assets | 71.6909% | 7,207 |
| Equity capital to assets | 11.8516% | 2,183 |
| Core capital (leverage) ratio | 11.0886% | 2,175 |
| Tier 1 risk-based capital ratio | 19.4851% | 1,611 |
| Total risk-based capital ratio | 20.6561% | 1,597 |
| Memoranda: | ||
| Average total assets | $295,218,670 | 2,233 |
| Average earning assets | $266,866,000 | 2,254 |
| Average equity | $34,947,670 | 1,912 |
| Average total loans | $177,825,670 | 2,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 5,019 |
| Cost of funding earning assets | 1.5156% | 3,452 |
| Net interest margin | 3.4834% | 5,229 |
| Noninterest income to average assets | 0.5288% | 3,822 |
| Noninterest expense to average assets | 3.0842% | 3,329 |
| Loan and lease loss provision to assets | 0.0533% | 6,135 |
| Net operating income to assets | 0.4566% | 4,590 |
| Return on assets (ROA) | 0.4578% | 4,709 |
| Pretax return on assets | 0.5398% | 4,821 |
| Return on Equity (ROE) | 3.8694% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.8694% | 3,819 |
| Net charge-offs to loans | 0.0406% | 5,009 |
| Credit loss provision to net charge-offs | 216.6667% | 1,728 |
| Earnings coverage of net charge-offs (x) | 24.0556% | 1,034 |
| Efficiency ratio | 83.9033% | 2,027 |
| Assets per employee ($millions) | 4.6763% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,299 |
| Loan loss allowance to noncurrent loans | 151.6420% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 6,440 |
| Noncurrent loans to loans | 0.6832% | 5,966 |
| Net loans and leases to total assets | 59.8872% | 5,135 |
| Net loans and leases to deposits | 84.3268% | 2,882 |
| Net loans and leases to core deposits | 89.9021% | 3,375 |
| Total domestic deposits to total assets | 71.0180% | 7,340 |
| Equity capital to assets | 11.8588% | 2,127 |
| Core capital (leverage) ratio | 11.2237% | 2,076 |
| Tier 1 risk-based capital ratio | 18.9598% | 1,733 |
| Total risk-based capital ratio | 20.1057% | 1,715 |
| Memoranda: | ||
| Average total assets | $292,717,500 | 2,294 |
| Average earning assets | $264,452,000 | 2,319 |
| Average equity | $34,631,000 | 1,947 |
| Average total loans | $177,209,500 | 2,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 4,979 |
| Cost of funding earning assets | 1.8437% | 3,767 |
| Net interest margin | 3.4978% | 4,964 |
| Noninterest income to average assets | 0.5994% | 3,638 |
| Noninterest expense to average assets | 3.1593% | 3,514 |
| Loan and lease loss provision to assets | 0.0885% | 6,729 |
| Net operating income to assets | 0.4275% | 4,016 |
| Return on assets (ROA) | 0.4000% | 4,231 |
| Pretax return on assets | 0.4761% | 4,261 |
| Return on Equity (ROE) | 3.4795% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.4795% | 2,735 |
| Net charge-offs to loans | 0.0193% | 6,952 |
| Credit loss provision to net charge-offs | 755.8824% | 387 |
| Earnings coverage of net charge-offs (x) | 51.0294% | 511 |
| Efficiency ratio | 84.1001% | 2,336 |
| Assets per employee ($millions) | 4.0962% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 6,188 |
| Loan loss allowance to noncurrent loans | 132.4148% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 6,267 |
| Noncurrent loans to loans | 0.7829% | 5,708 |
| Net loans and leases to total assets | 59.9371% | 5,347 |
| Net loans and leases to deposits | 85.6769% | 2,970 |
| Net loans and leases to core deposits | 104.0786% | 3,569 |
| Total domestic deposits to total assets | 69.9572% | 7,429 |
| Equity capital to assets | 11.8025% | 2,139 |
| Core capital (leverage) ratio | 10.8198% | 2,333 |
| Tier 1 risk-based capital ratio | 18.8823% | 1,677 |
| Total risk-based capital ratio | 20.0351% | 1,661 |
| Memoranda: | ||
| Average total assets | $290,479,800 | 2,275 |
| Average earning assets | $262,191,400 | 2,308 |
| Average equity | $33,396,000 | 2,008 |
| Average total loans | $176,444,400 | 2,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 4,987 |
| Cost of funding earning assets | 1.8813% | 3,977 |
| Net interest margin | 3.5104% | 4,821 |
| Noninterest income to average assets | 0.6051% | 3,656 |
| Noninterest expense to average assets | 3.1657% | 3,419 |
| Loan and lease loss provision to assets | 0.0551% | 6,819 |
| Net operating income to assets | 0.4580% | 4,169 |
| Return on assets (ROA) | 0.4343% | 4,362 |
| Pretax return on assets | 0.5248% | 4,442 |
| Return on Equity (ROE) | 3.8032% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.8032% | 3,160 |
| Net charge-offs to loans | 0.0091% | 6,825 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 110.4138% | 330 |
| Efficiency ratio | 83.8808% | 2,313 |
| Assets per employee ($millions) | 4.0963% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,515 |
| Loan loss allowance to noncurrent loans | 192.3510% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 6,723 |
| Noncurrent loans to loans | 0.4964% | 6,320 |
| Net loans and leases to total assets | 60.9852% | 5,428 |
| Net loans and leases to deposits | 89.5399% | 2,666 |
| Net loans and leases to core deposits | 108.2060% | 3,443 |
| Total domestic deposits to total assets | 68.1095% | 7,559 |
| Equity capital to assets | 11.8029% | 2,353 |
| Core capital (leverage) ratio | 11.8189% | 1,895 |
| Tier 1 risk-based capital ratio | 19.9865% | 1,561 |
| Total risk-based capital ratio | 21.0426% | 1,558 |
| Memoranda: | ||
| Average total assets | $290,392,750 | 2,301 |
| Average earning assets | $262,149,500 | 2,318 |
| Average equity | $33,163,750 | 2,047 |
| Average total loans | $176,520,500 | 2,584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 4,961 |
| Cost of funding earning assets | 1.9182% | 4,174 |
| Net interest margin | 3.5179% | 4,714 |
| Noninterest income to average assets | 0.5368% | 4,137 |
| Noninterest expense to average assets | 3.1401% | 3,540 |
| Loan and lease loss provision to assets | 0.0531% | 6,698 |
| Net operating income to assets | 0.4333% | 4,363 |
| Return on assets (ROA) | 0.4183% | 4,541 |
| Pretax return on assets | 0.4989% | 4,620 |
| Return on Equity (ROE) | 3.7039% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.7039% | 3,234 |
| Net charge-offs to loans | 0.0057% | 6,528 |
| Credit loss provision to net charge-offs | 1,540.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 165.4000% | 251 |
| Efficiency ratio | 84.6397% | 2,405 |
| Assets per employee ($millions) | 4.0667% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 6,596 |
| Loan loss allowance to noncurrent loans | 375.5605% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 7,180 |
| Noncurrent loans to loans | 0.2505% | 6,889 |
| Net loans and leases to total assets | 60.2455% | 5,638 |
| Net loans and leases to deposits | 87.3804% | 3,284 |
| Net loans and leases to core deposits | 105.2211% | 3,932 |
| Total domestic deposits to total assets | 68.9463% | 7,559 |
| Equity capital to assets | 11.3981% | 2,601 |
| Core capital (leverage) ratio | 11.7743% | 1,937 |
| Tier 1 risk-based capital ratio | 19.8481% | 1,612 |
| Total risk-based capital ratio | 20.8907% | 1,606 |
| Memoranda: | ||
| Average total assets | $290,245,000 | 2,317 |
| Average earning assets | $261,804,670 | 2,334 |
| Average equity | $32,776,000 | 2,072 |
| Average total loans | $175,668,330 | 2,628 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 4,931 |
| Cost of funding earning assets | 1.9426% | 4,414 |
| Net interest margin | 3.5538% | 4,509 |
| Noninterest income to average assets | 0.5232% | 4,111 |
| Noninterest expense to average assets | 3.0924% | 3,405 |
| Loan and lease loss provision to assets | 0.0512% | 6,322 |
| Net operating income to assets | 0.4785% | 4,530 |
| Return on assets (ROA) | 0.4513% | 4,820 |
| Pretax return on assets | 0.5523% | 4,906 |
| Return on Equity (ROE) | 4.0151% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.0151% | 3,668 |
| Net charge-offs to loans | 0.0023% | 5,708 |
| Credit loss provision to net charge-offs | 3,700.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 460.0000% | 67 |
| Efficiency ratio | 82.9250% | 2,423 |
| Assets per employee ($millions) | 3.9360% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,570 |
| Loan loss allowance to noncurrent loans | 405.6931% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 7,164 |
| Noncurrent loans to loans | 0.2309% | 6,871 |
| Net loans and leases to total assets | 59.5002% | 5,734 |
| Net loans and leases to deposits | 88.5490% | 3,188 |
| Net loans and leases to core deposits | 107.4508% | 3,748 |
| Total domestic deposits to total assets | 67.1947% | 7,657 |
| Equity capital to assets | 11.2363% | 2,780 |
| Core capital (leverage) ratio | 11.6636% | 2,062 |
| Tier 1 risk-based capital ratio | 19.7437% | 1,667 |
| Total risk-based capital ratio | 20.7770% | 1,659 |
| Memoranda: | ||
| Average total assets | $288,966,500 | 2,340 |
| Average earning assets | $260,680,500 | 2,358 |
| Average equity | $32,477,000 | 2,086 |
| Average total loans | $174,465,000 | 2,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7013% | 6,774 |
| Cost of funding earning assets | 2.2819% | 5,239 |
| Net interest margin | 3.4194% | 5,581 |
| Noninterest income to average assets | 0.5635% | 4,124 |
| Noninterest expense to average assets | 2.9835% | 4,143 |
| Loan and lease loss provision to assets | 0.0201% | 7,137 |
| Net operating income to assets | 0.5718% | 4,434 |
| Return on assets (ROA) | -0.1079% | 6,358 |
| Pretax return on assets | -0.4068% | 6,553 |
| Return on Equity (ROE) | -0.9634% | 6,360 |
| Retained earnings to average equity (ytd only) | -1.0005% | 5,599 |
| Net charge-offs to loans | 0.0308% | 6,395 |
| Credit loss provision to net charge-offs | 111.5385% | 4,832 |
| Earnings coverage of net charge-offs (x) | 37.4423% | 990 |
| Efficiency ratio | 81.5450% | 2,368 |
| Assets per employee ($millions) | 3.8739% | 3,799 |
| Cash dividends to net income (ytd only)* | -3.8585% | 7,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,560 |
| Loan loss allowance to noncurrent loans | 387.1981% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 7,001 |
| Noncurrent loans to loans | 0.2379% | 6,673 |
| Net loans and leases to total assets | 60.1339% | 5,890 |
| Net loans and leases to deposits | 90.5913% | 3,347 |
| Net loans and leases to core deposits | 108.1936% | 3,946 |
| Total domestic deposits to total assets | 66.3793% | 7,631 |
| Equity capital to assets | 11.2418% | 2,849 |
| Core capital (leverage) ratio | 11.5291% | 2,238 |
| Tier 1 risk-based capital ratio | 19.6610% | 1,671 |
| Total risk-based capital ratio | 20.6709% | 1,683 |
| Memoranda: | ||
| Average total assets | $288,351,400 | 2,266 |
| Average earning assets | $261,010,800 | 2,284 |
| Average equity | $32,283,000 | 2,096 |
| Average total loans | $168,991,000 | 2,629 |