Home > The Bank of New Glarus > Performance and Condition Ratios
The Bank of New Glarus, 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 | 5.0791% | 1,901 |
| Cost of funding earning assets | 1.5877% | 1,717 |
| Net interest margin | 3.4913% | 2,206 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.7799% | 1,554 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9433% | 2,392 |
| Return on assets (ROA) | 0.9433% | 2,380 |
| Pretax return on assets | 1.3061% | 1,855 |
| Return on Equity (ROE) | 12.1000% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.4520% | 1,735 |
| Net charge-offs to loans | 0.0715% | 1,138 |
| Credit loss provision to net charge-offs | 131.0044% | 1,592 |
| Earnings coverage of net charge-offs (x) | 27.2838% | 1,690 |
| Efficiency ratio | 66.9558% | 2,235 |
| Assets per employee ($millions) | 6.1787% | 2,668 |
| Cash dividends to net income (ytd only)* | 38.4078% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 895 |
| Loan loss allowance to noncurrent loans | 334.7904% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 1,594 |
| Noncurrent loans to loans | 0.4696% | 1,608 |
| Net loans and leases to total assets | 71.7100% | 1,618 |
| Net loans and leases to deposits | 86.8503% | 1,549 |
| Net loans and leases to core deposits | 94.4052% | 1,746 |
| Total domestic deposits to total assets | 82.5700% | 2,998 |
| Equity capital to assets | 7.9708% | 3,438 |
| Core capital (leverage) ratio | 10.2244% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3112% | 2,125 |
| Memoranda: | ||
| Average total assets | $455,408,000 | 1,836 |
| Average earning assets | $420,471,400 | 1,836 |
| Average equity | $35,507,200 | 2,037 |
| Average total loans | $320,194,600 | 1,720 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 1,931 |
| Cost of funding earning assets | 1.4460% | 1,743 |
| Net interest margin | 3.5102% | 2,186 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.7302% | 1,585 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9701% | 2,450 |
| Return on assets (ROA) | 0.9701% | 2,444 |
| Pretax return on assets | 1.3404% | 1,926 |
| Return on Equity (ROE) | 12.5200% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.9794% | 1,406 |
| Net charge-offs to loans | 0.1002% | 783 |
| Credit loss provision to net charge-offs | 96.1538% | 1,654 |
| Earnings coverage of net charge-offs (x) | 20.1752% | 1,815 |
| Efficiency ratio | 65.9846% | 2,278 |
| Assets per employee ($millions) | 6.0671% | 2,694 |
| Cash dividends to net income (ytd only)* | 20.2827% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 805 |
| Loan loss allowance to noncurrent loans | 433.5956% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 1,914 |
| Noncurrent loans to loans | 0.3782% | 1,880 |
| Net loans and leases to total assets | 70.7600% | 1,735 |
| Net loans and leases to deposits | 85.0521% | 1,650 |
| Net loans and leases to core deposits | 92.3623% | 1,770 |
| Total domestic deposits to total assets | 83.2000% | 2,980 |
| Equity capital to assets | 7.2053% | 3,512 |
| Core capital (leverage) ratio | 10.4627% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4472% | 1,731 |
| Memoranda: | ||
| Average total assets | $447,229,750 | 1,864 |
| Average earning assets | $412,423,750 | 1,861 |
| Average equity | $34,657,250 | 2,059 |
| Average total loans | $311,337,500 | 1,756 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 2,019 |
| Cost of funding earning assets | 1.2515% | 1,845 |
| Net interest margin | 3.5363% | 2,188 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.6760% | 1,699 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0159% | 2,377 |
| Return on assets (ROA) | 1.0159% | 2,367 |
| Pretax return on assets | 1.4000% | 1,816 |
| Return on Equity (ROE) | 12.7900% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.9345% | 1,416 |
| Net charge-offs to loans | 0.0297% | 1,298 |
| Credit loss provision to net charge-offs | 333.3333% | 804 |
| Earnings coverage of net charge-offs (x) | 71.8667% | 1,104 |
| Efficiency ratio | 64.5744% | 2,419 |
| Assets per employee ($millions) | 6.0348% | 2,679 |
| Cash dividends to net income (ytd only)* | 22.3414% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 692 |
| Loan loss allowance to noncurrent loans | 194.3005% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 844 |
| Noncurrent loans to loans | 0.8941% | 856 |
| Net loans and leases to total assets | 69.3700% | 1,812 |
| Net loans and leases to deposits | 82.6005% | 1,790 |
| Net loans and leases to core deposits | 89.8720% | 1,805 |
| Total domestic deposits to total assets | 83.9800% | 2,820 |
| Equity capital to assets | 7.8556% | 3,310 |
| Core capital (leverage) ratio | 10.6089% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6146% | 1,690 |
| Memoranda: | ||
| Average total assets | $440,583,333 | 1,886 |
| Average earning assets | $405,903,333 | 1,896 |
| Average equity | $34,989,333 | 2,057 |
| Average total loans | $303,088,667 | 1,767 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,964 |
| Cost of funding earning assets | 1.0718% | 1,832 |
| Net interest margin | 3.5793% | 2,170 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.6945% | 1,694 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0279% | 2,448 |
| Return on assets (ROA) | 1.0279% | 2,412 |
| Pretax return on assets | 1.3820% | 1,927 |
| Return on Equity (ROE) | 12.8700% | 2,010 |
| Retained earnings to average equity (ytd only) | 9.9682% | 1,708 |
| Net charge-offs to loans | 0.0601% | 775 |
| Credit loss provision to net charge-offs | 170.4545% | 898 |
| Earnings coverage of net charge-offs (x) | 35.5909% | 1,233 |
| Efficiency ratio | 64.9899% | 2,329 |
| Assets per employee ($millions) | 5.9711% | 2,785 |
| Cash dividends to net income (ytd only)* | 22.5428% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 572 |
| Loan loss allowance to noncurrent loans | 175.0552% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 669 |
| Noncurrent loans to loans | 1.0680% | 671 |
| Net loans and leases to total assets | 66.8400% | 1,966 |
| Net loans and leases to deposits | 77.0298% | 2,037 |
| Net loans and leases to core deposits | 83.2294% | 2,043 |
| Total domestic deposits to total assets | 86.7700% | 2,351 |
| Equity capital to assets | 8.1828% | 3,119 |
| Core capital (leverage) ratio | 10.7318% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0875% | 1,599 |
| Memoranda: | ||
| Average total assets | $431,553,500 | 1,939 |
| Average earning assets | $396,730,500 | 1,946 |
| Average equity | $34,469,500 | 2,096 |
| Average total loans | $292,738,500 | 1,821 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 1,961 |
| Cost of funding earning assets | 0.4693% | 1,589 |
| Net interest margin | 3.4411% | 2,129 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 2.6710% | 1,623 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1533% | 1,958 |
| Return on assets (ROA) | 1.1533% | 1,898 |
| Pretax return on assets | 1.4959% | 1,468 |
| Return on Equity (ROE) | 13.2700% | 1,716 |
| Retained earnings to average equity (ytd only) | 9.7510% | 1,228 |
| Net charge-offs to loans | 0.3112% | 243 |
| Credit loss provision to net charge-offs | 36.2319% | 1,873 |
| Earnings coverage of net charge-offs (x) | 7.8357% | 2,289 |
| Efficiency ratio | 63.0039% | 2,626 |
| Assets per employee ($millions) | 6.0172% | 2,746 |
| Cash dividends to net income (ytd only)* | 26.5144% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 521 |
| Loan loss allowance to noncurrent loans | 192.8721% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 715 |
| Noncurrent loans to loans | 0.9918% | 738 |
| Net loans and leases to total assets | 66.2600% | 2,007 |
| Net loans and leases to deposits | 77.6426% | 1,984 |
| Net loans and leases to core deposits | 82.3878% | 1,979 |
| Total domestic deposits to total assets | 85.3300% | 2,903 |
| Equity capital to assets | 7.7878% | 3,195 |
| Core capital (leverage) ratio | 11.1614% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6992% | 2,091 |
| Memoranda: | ||
| Average total assets | $413,667,600 | 1,973 |
| Average earning assets | $383,159,400 | 1,976 |
| Average equity | $35,955,400 | 2,071 |
| Average total loans | $266,042,800 | 1,867 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 1,774 |
| Cost of funding earning assets | 0.4194% | 1,160 |
| Net interest margin | 3.3774% | 2,047 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 2.5244% | 1,943 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2843% | 1,410 |
| Return on assets (ROA) | 1.2843% | 1,379 |
| Pretax return on assets | 1.6180% | 1,074 |
| Return on Equity (ROE) | 14.3900% | 1,329 |
| Retained earnings to average equity (ytd only) | 13.0758% | 599 |
| Net charge-offs to loans | 0.4127% | 152 |
| Credit loss provision to net charge-offs | 27.9156% | 1,608 |
| Earnings coverage of net charge-offs (x) | 6.4566% | 2,106 |
| Efficiency ratio | 59.8828% | 3,129 |
| Assets per employee ($millions) | 5.6698% | 3,059 |
| Cash dividends to net income (ytd only)* | 9.1093% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 456 |
| Loan loss allowance to noncurrent loans | 242.0097% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 589 |
| Noncurrent loans to loans | 0.8491% | 925 |
| Net loans and leases to total assets | 63.8300% | 2,107 |
| Net loans and leases to deposits | 74.0256% | 2,045 |
| Net loans and leases to core deposits | 77.4438% | 2,084 |
| Total domestic deposits to total assets | 86.2300% | 3,012 |
| Equity capital to assets | 7.8761% | 2,976 |
| Core capital (leverage) ratio | 11.1791% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5685% | 1,270 |
| Memoranda: | ||
| Average total assets | $410,280,000 | 2,004 |
| Average earning assets | $381,191,000 | 1,996 |
| Average equity | $36,626,500 | 2,083 |
| Average total loans | $260,410,000 | 1,893 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 1,663 |
| Cost of funding earning assets | 0.3886% | 997 |
| Net interest margin | 3.2681% | 1,999 |
| Noninterest income to average assets | 1.0862% | 566 |
| Noninterest expense to average assets | 2.4654% | 2,039 |
| Loan and lease loss provision to assets | 0.0730% | 1,317 |
| Net operating income to assets | 1.2653% | 1,240 |
| Return on assets (ROA) | 1.2653% | 1,219 |
| Pretax return on assets | 1.6011% | 935 |
| Return on Equity (ROE) | 13.6418% | 1,204 |
| Retained earnings to average equity (ytd only) | 12.8024% | 493 |
| Net charge-offs to loans | 0.6235% | 100 |
| Credit loss provision to net charge-offs | 18.6104% | 1,610 |
| Earnings coverage of net charge-offs (x) | 4.2680% | 1,963 |
| Efficiency ratio | 59.5580% | 3,356 |
| Assets per employee ($millions) | 5.4603% | 3,268 |
| Cash dividends to net income (ytd only)* | 6.1538% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0368% | 512 |
| Loan loss allowance to noncurrent loans | 244.3135% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 631 |
| Noncurrent loans to loans | 0.8337% | 1,024 |
| Net loans and leases to total assets | 64.1832% | 1,891 |
| Net loans and leases to deposits | 76.1783% | 1,678 |
| Net loans and leases to core deposits | 79.2025% | 1,764 |
| Total domestic deposits to total assets | 84.2539% | 3,638 |
| Equity capital to assets | 8.4509% | 2,798 |
| Core capital (leverage) ratio | 11.2412% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5314% | 1,563 |
| Memoranda: | ||
| Average total assets | $410,965,667 | 2,006 |
| Average earning assets | $383,949,667 | 2,010 |
| Average equity | $38,118,000 | 2,075 |
| Average total loans | $258,536,000 | 1,904 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 1,327 |
| Cost of funding earning assets | 0.3851% | 954 |
| Net interest margin | 3.2916% | 1,589 |
| Noninterest income to average assets | 1.1361% | 530 |
| Noninterest expense to average assets | 2.4294% | 2,072 |
| Loan and lease loss provision to assets | 0.0724% | 1,141 |
| Net operating income to assets | 1.3561% | 893 |
| Return on assets (ROA) | 1.3561% | 880 |
| Pretax return on assets | 1.7200% | 657 |
| Return on Equity (ROE) | 14.0137% | 827 |
| Retained earnings to average equity (ytd only) | 14.0137% | 377 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5446% | 3,732 |
| Assets per employee ($millions) | 5.8743% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4098% | 315 |
| Loan loss allowance to noncurrent loans | 155.1305% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 517 |
| Noncurrent loans to loans | 1.5534% | 521 |
| Net loans and leases to total assets | 62.0766% | 1,852 |
| Net loans and leases to deposits | 74.1431% | 1,599 |
| Net loans and leases to core deposits | 76.7748% | 1,725 |
| Total domestic deposits to total assets | 83.7254% | 3,819 |
| Equity capital to assets | 9.3719% | 2,390 |
| Core capital (leverage) ratio | 10.5073% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4547% | 1,392 |
| Memoranda: | ||
| Average total assets | $414,417,500 | 1,998 |
| Average earning assets | $388,506,500 | 1,994 |
| Average equity | $40,103,500 | 2,051 |
| Average total loans | $255,438,000 | 1,909 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6466% | 2,260 |
| Cost of funding earning assets | 0.4540% | 1,169 |
| Net interest margin | 3.1926% | 2,616 |
| Noninterest income to average assets | 1.6151% | 431 |
| Noninterest expense to average assets | 2.6831% | 1,678 |
| Loan and lease loss provision to assets | 0.2743% | 313 |
| Net operating income to assets | 1.3024% | 1,591 |
| Return on assets (ROA) | 1.3024% | 1,632 |
| Pretax return on assets | 1.6665% | 1,225 |
| Return on Equity (ROE) | 12.4932% | 1,651 |
| Retained earnings to average equity (ytd only) | 9.5511% | 1,033 |
| Net charge-offs to loans | 0.0012% | 2,628 |
| Credit loss provision to net charge-offs | 36,666.6667% | 21 |
| Earnings coverage of net charge-offs (x) | 2,594.3333% | 50 |
| Efficiency ratio | 58.0273% | 3,442 |
| Assets per employee ($millions) | 6.3145% | 2,473 |
| Cash dividends to net income (ytd only)* | 23.5497% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3556% | 355 |
| Loan loss allowance to noncurrent loans | 152.9070% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 627 |
| Noncurrent loans to loans | 1.5406% | 579 |
| Net loans and leases to total assets | 58.3949% | 2,332 |
| Net loans and leases to deposits | 70.4491% | 2,082 |
| Net loans and leases to core deposits | 73.0687% | 2,158 |
| Total domestic deposits to total assets | 82.8895% | 3,836 |
| Equity capital to assets | 9.9610% | 2,689 |
| Core capital (leverage) ratio | 9.9518% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9716% | 1,852 |
| Memoranda: | ||
| Average total assets | $401,028,400 | 1,988 |
| Average earning assets | $377,937,800 | 1,977 |
| Average equity | $41,806,600 | 2,017 |
| Average total loans | $257,061,000 | 1,894 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 2,374 |
| Cost of funding earning assets | 0.4695% | 1,217 |
| Net interest margin | 3.1917% | 2,754 |
| Noninterest income to average assets | 1.7339% | 420 |
| Noninterest expense to average assets | 2.5167% | 2,071 |
| Loan and lease loss provision to assets | 0.3046% | 262 |
| Net operating income to assets | 1.4821% | 1,315 |
| Return on assets (ROA) | 1.4821% | 1,365 |
| Pretax return on assets | 1.9200% | 914 |
| Return on Equity (ROE) | 14.0466% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.4427% | 738 |
| Net charge-offs to loans | 0.0005% | 2,438 |
| Credit loss provision to net charge-offs | 90,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 6,573.0000% | 15 |
| Efficiency ratio | 53.0802% | 3,912 |
| Assets per employee ($millions) | 6.0530% | 2,643 |
| Cash dividends to net income (ytd only)* | 11.4181% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 423 |
| Loan loss allowance to noncurrent loans | 144.1242% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 704 |
| Noncurrent loans to loans | 1.5573% | 668 |
| Net loans and leases to total assets | 60.1343% | 2,243 |
| Net loans and leases to deposits | 73.1691% | 1,942 |
| Net loans and leases to core deposits | 75.6638% | 2,083 |
| Total domestic deposits to total assets | 82.1854% | 3,893 |
| Equity capital to assets | 10.1591% | 2,750 |
| Core capital (leverage) ratio | 10.2026% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8244% | 2,038 |
| Memoranda: | ||
| Average total assets | $393,939,250 | 2,030 |
| Average earning assets | $371,202,500 | 2,015 |
| Average equity | $41,565,500 | 2,059 |
| Average total loans | $257,129,250 | 1,923 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 2,458 |
| Cost of funding earning assets | 0.4889% | 1,268 |
| Net interest margin | 3.1645% | 2,862 |
| Noninterest income to average assets | 1.9338% | 349 |
| Noninterest expense to average assets | 2.6082% | 1,827 |
| Loan and lease loss provision to assets | 0.3125% | 266 |
| Net operating income to assets | 1.5354% | 1,202 |
| Return on assets (ROA) | 1.5354% | 1,264 |
| Pretax return on assets | 1.9963% | 843 |
| Return on Equity (ROE) | 14.3552% | 1,320 |
| Retained earnings to average equity (ytd only) | 11.9204% | 935 |
| Net charge-offs to loans | 0.0008% | 2,216 |
| Credit loss provision to net charge-offs | 60,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 4,433.0000% | 16 |
| Efficiency ratio | 53.0452% | 3,926 |
| Assets per employee ($millions) | 5.8736% | 2,738 |
| Cash dividends to net income (ytd only)* | 16.9607% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 470 |
| Loan loss allowance to noncurrent loans | 133.5419% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0108% | 740 |
| Noncurrent loans to loans | 1.6077% | 679 |
| Net loans and leases to total assets | 61.5247% | 2,234 |
| Net loans and leases to deposits | 72.8968% | 2,125 |
| Net loans and leases to core deposits | 75.3386% | 2,301 |
| Total domestic deposits to total assets | 84.3997% | 3,314 |
| Equity capital to assets | 10.2967% | 2,580 |
| Core capital (leverage) ratio | 10.4959% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0841% | 1,604 |
| Memoranda: | ||
| Average total assets | $384,016,333 | 2,063 |
| Average earning assets | $362,014,667 | 2,047 |
| Average equity | $41,072,333 | 2,059 |
| Average total loans | $255,957,667 | 1,934 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 2,624 |
| Cost of funding earning assets | 0.5257% | 1,234 |
| Net interest margin | 3.0795% | 3,056 |
| Noninterest income to average assets | 2.1056% | 349 |
| Noninterest expense to average assets | 2.7059% | 1,608 |
| Loan and lease loss provision to assets | 0.3239% | 269 |
| Net operating income to assets | 1.5128% | 1,299 |
| Return on assets (ROA) | 1.5128% | 1,360 |
| Pretax return on assets | 1.9727% | 991 |
| Return on Equity (ROE) | 13.8572% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.9008% | 1,675 |
| Net charge-offs to loans | -0.0016% | 3,090 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0902% | 3,771 |
| Assets per employee ($millions) | 5.6377% | 2,980 |
| Cash dividends to net income (ytd only)* | 28.5510% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 528 |
| Loan loss allowance to noncurrent loans | 114.8983% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 554 |
| Noncurrent loans to loans | 1.8000% | 645 |
| Net loans and leases to total assets | 65.8397% | 1,814 |
| Net loans and leases to deposits | 79.8315% | 1,533 |
| Net loans and leases to core deposits | 81.8108% | 1,857 |
| Total domestic deposits to total assets | 82.4734% | 3,803 |
| Equity capital to assets | 10.6060% | 2,168 |
| Core capital (leverage) ratio | 10.4766% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7594% | 2,392 |
| Memoranda: | ||
| Average total assets | $370,448,500 | 2,105 |
| Average earning assets | $348,500,000 | 2,087 |
| Average equity | $40,441,000 | 2,070 |
| Average total loans | $254,681,500 | 1,941 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 1,763 |
| Cost of funding earning assets | 0.7223% | 1,603 |
| Net interest margin | 3.6120% | 2,101 |
| Noninterest income to average assets | 2.2166% | 293 |
| Noninterest expense to average assets | 3.0385% | 1,351 |
| Loan and lease loss provision to assets | 0.7686% | 172 |
| Net operating income to assets | 1.3817% | 1,061 |
| Return on assets (ROA) | 1.3817% | 1,154 |
| Pretax return on assets | 1.7858% | 704 |
| Return on Equity (ROE) | 12.1413% | 1,288 |
| Retained earnings to average equity (ytd only) | 9.0715% | 757 |
| Net charge-offs to loans | 0.2433% | 707 |
| Credit loss provision to net charge-offs | 429.2683% | 1,370 |
| Earnings coverage of net charge-offs (x) | 14.2667% | 2,220 |
| Efficiency ratio | 54.3282% | 4,177 |
| Assets per employee ($millions) | 5.4204% | 2,933 |
| Cash dividends to net income (ytd only)* | 25.2845% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 663 |
| Loan loss allowance to noncurrent loans | 179.4491% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 1,216 |
| Noncurrent loans to loans | 1.0802% | 1,314 |
| Net loans and leases to total assets | 68.9665% | 1,693 |
| Net loans and leases to deposits | 85.2545% | 1,316 |
| Net loans and leases to core deposits | 87.5329% | 1,741 |
| Total domestic deposits to total assets | 80.8948% | 3,892 |
| Equity capital to assets | 11.2399% | 2,065 |
| Core capital (leverage) ratio | 10.3942% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6953% | 1,973 |
| Memoranda: | ||
| Average total assets | $343,493,400 | 2,084 |
| Average earning assets | $321,068,400 | 2,074 |
| Average equity | $39,089,600 | 2,049 |
| Average total loans | $252,742,600 | 1,908 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,577 |
| Cost of funding earning assets | 0.7655% | 1,651 |
| Net interest margin | 3.7315% | 1,832 |
| Noninterest income to average assets | 2.1277% | 305 |
| Noninterest expense to average assets | 2.8531% | 1,818 |
| Loan and lease loss provision to assets | 0.6439% | 374 |
| Net operating income to assets | 1.6295% | 679 |
| Return on assets (ROA) | 1.6295% | 750 |
| Pretax return on assets | 2.1112% | 400 |
| Return on Equity (ROE) | 14.2722% | 826 |
| Retained earnings to average equity (ytd only) | 12.5821% | 364 |
| Net charge-offs to loans | 0.0566% | 1,803 |
| Credit loss provision to net charge-offs | 1,528.0374% | 609 |
| Earnings coverage of net charge-offs (x) | 65.3832% | 1,047 |
| Efficiency ratio | 50.8742% | 4,427 |
| Assets per employee ($millions) | 5.3035% | 2,889 |
| Cash dividends to net income (ytd only)* | 11.8415% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 839 |
| Loan loss allowance to noncurrent loans | 155.1916% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 1,334 |
| Noncurrent loans to loans | 1.1147% | 1,354 |
| Net loans and leases to total assets | 70.1569% | 1,922 |
| Net loans and leases to deposits | 88.2786% | 1,451 |
| Net loans and leases to core deposits | 90.9519% | 1,890 |
| Total domestic deposits to total assets | 79.4721% | 3,964 |
| Equity capital to assets | 11.3430% | 2,118 |
| Core capital (leverage) ratio | 10.6877% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9465% | 2,229 |
| Memoranda: | ||
| Average total assets | $338,574,500 | 2,085 |
| Average earning assets | $315,793,500 | 2,077 |
| Average equity | $38,657,000 | 2,060 |
| Average total loans | $252,074,250 | 1,911 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 999 |
| Cost of funding earning assets | 0.8115% | 1,773 |
| Net interest margin | 4.0748% | 1,171 |
| Noninterest income to average assets | 1.5700% | 419 |
| Noninterest expense to average assets | 2.7981% | 2,099 |
| Loan and lease loss provision to assets | 0.5616% | 582 |
| Net operating income to assets | 1.5373% | 866 |
| Return on assets (ROA) | 1.5373% | 939 |
| Pretax return on assets | 2.0065% | 537 |
| Return on Equity (ROE) | 13.4329% | 993 |
| Retained earnings to average equity (ytd only) | 10.8476% | 629 |
| Net charge-offs to loans | 0.0144% | 2,461 |
| Credit loss provision to net charge-offs | 5,166.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 236.2778% | 386 |
| Efficiency ratio | 52.1436% | 4,348 |
| Assets per employee ($millions) | 5.2157% | 2,913 |
| Cash dividends to net income (ytd only)* | 19.2459% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,256 |
| Loan loss allowance to noncurrent loans | 122.3462% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 1,390 |
| Noncurrent loans to loans | 1.2288% | 1,274 |
| Net loans and leases to total assets | 70.8968% | 1,893 |
| Net loans and leases to deposits | 88.5571% | 1,498 |
| Net loans and leases to core deposits | 91.1936% | 1,967 |
| Total domestic deposits to total assets | 80.0577% | 3,823 |
| Equity capital to assets | 11.0664% | 2,281 |
| Core capital (leverage) ratio | 10.7029% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3078% | 2,068 |
| Memoranda: | ||
| Average total assets | $331,220,667 | 2,089 |
| Average earning assets | $308,576,667 | 2,085 |
| Average equity | $37,907,000 | 2,085 |
| Average total loans | $250,277,333 | 1,901 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 1,069 |
| Cost of funding earning assets | 0.9033% | 1,848 |
| Net interest margin | 4.0437% | 1,275 |
| Noninterest income to average assets | 1.0679% | 746 |
| Noninterest expense to average assets | 2.8495% | 2,281 |
| Loan and lease loss provision to assets | 0.4319% | 698 |
| Net operating income to assets | 1.2144% | 1,468 |
| Return on assets (ROA) | 1.2144% | 1,581 |
| Pretax return on assets | 1.5362% | 1,218 |
| Return on Equity (ROE) | 10.4200% | 1,607 |
| Retained earnings to average equity (ytd only) | 10.4200% | 663 |
| Net charge-offs to loans | 0.0081% | 2,274 |
| Credit loss provision to net charge-offs | 6,900.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 314.4000% | 225 |
| Efficiency ratio | 59.1476% | 3,844 |
| Assets per employee ($millions) | 4.6602% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,077 |
| Loan loss allowance to noncurrent loans | 115.0000% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 1,515 |
| Noncurrent loans to loans | 1.1427% | 1,456 |
| Net loans and leases to total assets | 76.2756% | 1,253 |
| Net loans and leases to deposits | 96.4616% | 863 |
| Net loans and leases to core deposits | 99.7057% | 1,497 |
| Total domestic deposits to total assets | 79.0736% | 4,040 |
| Equity capital to assets | 11.7622% | 2,244 |
| Core capital (leverage) ratio | 11.0230% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1267% | 2,225 |
| Memoranda: | ||
| Average total assets | $319,496,500 | 2,094 |
| Average earning assets | $296,262,500 | 2,100 |
| Average equity | $37,236,000 | 2,108 |
| Average total loans | $247,772,500 | 1,879 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 863 |
| Cost of funding earning assets | 0.8511% | 2,424 |
| Net interest margin | 4.4229% | 854 |
| Noninterest income to average assets | 1.0293% | 909 |
| Noninterest expense to average assets | 2.7833% | 2,661 |
| Loan and lease loss provision to assets | 0.4772% | 270 |
| Net operating income to assets | 1.4442% | 1,207 |
| Return on assets (ROA) | 1.4442% | 1,274 |
| Pretax return on assets | 1.8501% | 838 |
| Return on Equity (ROE) | 12.1199% | 1,464 |
| Retained earnings to average equity (ytd only) | 6.3075% | 1,714 |
| Net charge-offs to loans | 0.7683% | 216 |
| Credit loss provision to net charge-offs | 78.0065% | 2,818 |
| Earnings coverage of net charge-offs (x) | 3.8044% | 3,284 |
| Efficiency ratio | 54.4612% | 4,381 |
| Assets per employee ($millions) | 4.7379% | 2,913 |
| Cash dividends to net income (ytd only)* | 47.9578% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,515 |
| Loan loss allowance to noncurrent loans | 91.1526% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 1,190 |
| Noncurrent loans to loans | 1.2995% | 1,161 |
| Net loans and leases to total assets | 76.8922% | 1,277 |
| Net loans and leases to deposits | 96.8849% | 854 |
| Net loans and leases to core deposits | 99.9943% | 1,562 |
| Total domestic deposits to total assets | 79.3645% | 4,109 |
| Equity capital to assets | 11.5456% | 2,488 |
| Core capital (leverage) ratio | 11.4165% | 2,177 |
| Tier 1 risk-based capital ratio | 12.5547% | 4,033 |
| Total risk-based capital ratio | 13.6330% | 4,007 |
| Memoranda: | ||
| Average total assets | $301,761,400 | 2,159 |
| Average earning assets | $278,461,200 | 2,156 |
| Average equity | $35,957,400 | 2,099 |
| Average total loans | $240,273,400 | 1,886 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 899 |
| Cost of funding earning assets | 0.8391% | 2,515 |
| Net interest margin | 4.4432% | 863 |
| Noninterest income to average assets | 0.9280% | 1,082 |
| Noninterest expense to average assets | 2.6917% | 2,892 |
| Loan and lease loss provision to assets | 0.0806% | 2,297 |
| Net operating income to assets | 1.7226% | 711 |
| Return on assets (ROA) | 1.7226% | 751 |
| Pretax return on assets | 2.2539% | 409 |
| Return on Equity (ROE) | 14.3374% | 919 |
| Retained earnings to average equity (ytd only) | 10.8350% | 559 |
| Net charge-offs to loans | 0.0224% | 2,656 |
| Credit loss provision to net charge-offs | 450.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 130.3799% | 605 |
| Efficiency ratio | 53.5536% | 4,443 |
| Assets per employee ($millions) | 4.8393% | 2,747 |
| Cash dividends to net income (ytd only)* | 24.4282% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 1,630 |
| Loan loss allowance to noncurrent loans | 185.3711% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 2,036 |
| Noncurrent loans to loans | 0.7476% | 2,092 |
| Net loans and leases to total assets | 79.7703% | 878 |
| Net loans and leases to deposits | 102.2591% | 496 |
| Net loans and leases to core deposits | 104.9131% | 1,266 |
| Total domestic deposits to total assets | 78.0081% | 4,345 |
| Equity capital to assets | 12.0694% | 2,202 |
| Core capital (leverage) ratio | 11.8473% | 1,963 |
| Tier 1 risk-based capital ratio | 13.1220% | 3,784 |
| Total risk-based capital ratio | 14.3725% | 3,687 |
| Memoranda: | ||
| Average total assets | $297,842,250 | 2,188 |
| Average earning assets | $274,719,750 | 2,193 |
| Average equity | $35,784,250 | 2,116 |
| Average total loans | $238,589,000 | 1,907 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 969 |
| Cost of funding earning assets | 0.7945% | 2,674 |
| Net interest margin | 4.4131% | 920 |
| Noninterest income to average assets | 0.8085% | 1,324 |
| Noninterest expense to average assets | 2.6487% | 3,063 |
| Loan and lease loss provision to assets | 0.0817% | 2,206 |
| Net operating income to assets | 1.6544% | 801 |
| Return on assets (ROA) | 1.6544% | 835 |
| Pretax return on assets | 2.1532% | 496 |
| Return on Equity (ROE) | 13.7921% | 1,023 |
| Retained earnings to average equity (ytd only) | 11.2958% | 511 |
| Net charge-offs to loans | 0.0085% | 2,836 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 328.4000% | 239 |
| Efficiency ratio | 54.2363% | 4,444 |
| Assets per employee ($millions) | 5.1481% | 2,306 |
| Cash dividends to net income (ytd only)* | 18.0995% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,561 |
| Loan loss allowance to noncurrent loans | 258.7970% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 2,551 |
| Noncurrent loans to loans | 0.5459% | 2,633 |
| Net loans and leases to total assets | 79.0734% | 1,030 |
| Net loans and leases to deposits | 101.8122% | 556 |
| Net loans and leases to core deposits | 104.2286% | 1,367 |
| Total domestic deposits to total assets | 77.6659% | 4,457 |
| Equity capital to assets | 11.9810% | 2,195 |
| Core capital (leverage) ratio | 11.6560% | 2,053 |
| Tier 1 risk-based capital ratio | 12.9188% | 3,879 |
| Total risk-based capital ratio | 14.1695% | 3,781 |
| Memoranda: | ||
| Average total assets | $293,883,670 | 2,215 |
| Average earning assets | $271,372,000 | 2,220 |
| Average equity | $35,252,000 | 2,129 |
| Average total loans | $234,607,000 | 1,945 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 963 |
| Cost of funding earning assets | 0.7672% | 2,699 |
| Net interest margin | 4.4016% | 899 |
| Noninterest income to average assets | 0.7918% | 1,313 |
| Noninterest expense to average assets | 2.7271% | 2,821 |
| Loan and lease loss provision to assets | 0.0831% | 2,043 |
| Net operating income to assets | 1.5670% | 968 |
| Return on assets (ROA) | 1.5670% | 995 |
| Pretax return on assets | 2.0640% | 570 |
| Return on Equity (ROE) | 13.0556% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.0556% | 455 |
| Net charge-offs to loans | 0.0104% | 2,316 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 258.5000% | 311 |
| Efficiency ratio | 55.9500% | 4,342 |
| Assets per employee ($millions) | 4.6963% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,439 |
| Loan loss allowance to noncurrent loans | 347.6386% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 2,949 |
| Noncurrent loans to loans | 0.4228% | 3,077 |
| Net loans and leases to total assets | 77.9601% | 1,159 |
| Net loans and leases to deposits | 98.8116% | 720 |
| Net loans and leases to core deposits | 101.4662% | 1,501 |
| Total domestic deposits to total assets | 78.8977% | 4,373 |
| Equity capital to assets | 12.1548% | 1,933 |
| Core capital (leverage) ratio | 11.5768% | 2,085 |
| Tier 1 risk-based capital ratio | 13.6479% | 3,525 |
| Total risk-based capital ratio | 14.8998% | 3,430 |
| Memoranda: | ||
| Average total assets | $288,956,500 | 2,256 |
| Average earning assets | $267,992,500 | 2,256 |
| Average equity | $34,682,500 | 2,153 |
| Average total loans | $230,101,500 | 1,993 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 954 |
| Cost of funding earning assets | 0.6923% | 2,139 |
| Net interest margin | 4.3503% | 1,036 |
| Noninterest income to average assets | 0.8359% | 1,348 |
| Noninterest expense to average assets | 2.8924% | 2,380 |
| Loan and lease loss provision to assets | 0.0848% | 2,438 |
| Net operating income to assets | 1.4342% | 1,324 |
| Return on assets (ROA) | 1.4342% | 1,316 |
| Pretax return on assets | 1.8799% | 751 |
| Return on Equity (ROE) | 12.5826% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.0024% | 439 |
| Net charge-offs to loans | 0.0662% | 2,170 |
| Credit loss provision to net charge-offs | 162.1622% | 1,711 |
| Earnings coverage of net charge-offs (x) | 37.5878% | 1,375 |
| Efficiency ratio | 59.5506% | 3,935 |
| Assets per employee ($millions) | 4.7791% | 2,770 |
| Cash dividends to net income (ytd only)* | 12.5585% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,452 |
| Loan loss allowance to noncurrent loans | 437.8449% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 3,188 |
| Noncurrent loans to loans | 0.3311% | 3,363 |
| Net loans and leases to total assets | 78.9866% | 1,098 |
| Net loans and leases to deposits | 100.5340% | 704 |
| Net loans and leases to core deposits | 102.9776% | 1,510 |
| Total domestic deposits to total assets | 78.5670% | 4,397 |
| Equity capital to assets | 11.8482% | 2,002 |
| Core capital (leverage) ratio | 11.3249% | 2,245 |
| Tier 1 risk-based capital ratio | 13.5807% | 3,506 |
| Total risk-based capital ratio | 14.8328% | 3,410 |
| Memoranda: | ||
| Average total assets | $283,160,400 | 2,249 |
| Average earning assets | $261,729,400 | 2,253 |
| Average equity | $32,274,800 | 2,201 |
| Average total loans | $223,573,800 | 1,998 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 1,053 |
| Cost of funding earning assets | 0.6364% | 2,236 |
| Net interest margin | 4.3095% | 1,096 |
| Noninterest income to average assets | 0.8450% | 1,342 |
| Noninterest expense to average assets | 2.7770% | 2,717 |
| Loan and lease loss provision to assets | 0.0850% | 2,268 |
| Net operating income to assets | 1.4974% | 1,201 |
| Return on assets (ROA) | 1.4974% | 1,198 |
| Pretax return on assets | 1.9622% | 691 |
| Return on Equity (ROE) | 13.2702% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.9562% | 365 |
| Net charge-offs to loans | 0.1003% | 1,488 |
| Credit loss provision to net charge-offs | 107.7844% | 2,141 |
| Earnings coverage of net charge-offs (x) | 25.9522% | 1,761 |
| Efficiency ratio | 57.5639% | 4,179 |
| Assets per employee ($millions) | 4.9016% | 2,598 |
| Cash dividends to net income (ytd only)* | 2.3660% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,602 |
| Loan loss allowance to noncurrent loans | 883.9674% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 3,917 |
| Noncurrent loans to loans | 0.1614% | 4,159 |
| Net loans and leases to total assets | 79.0406% | 1,161 |
| Net loans and leases to deposits | 102.5582% | 616 |
| Net loans and leases to core deposits | 104.4561% | 1,423 |
| Total domestic deposits to total assets | 77.0690% | 4,634 |
| Equity capital to assets | 11.7274% | 2,084 |
| Core capital (leverage) ratio | 11.3559% | 2,282 |
| Tier 1 risk-based capital ratio | 13.4951% | 3,630 |
| Total risk-based capital ratio | 14.7471% | 3,543 |
| Memoranda: | ||
| Average total assets | $282,264,250 | 2,265 |
| Average earning assets | $260,627,250 | 2,267 |
| Average equity | $31,850,000 | 2,230 |
| Average total loans | $222,011,750 | 2,015 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 1,085 |
| Cost of funding earning assets | 0.6240% | 2,081 |
| Net interest margin | 4.2472% | 1,172 |
| Noninterest income to average assets | 0.8168% | 1,423 |
| Noninterest expense to average assets | 2.7657% | 2,781 |
| Loan and lease loss provision to assets | 0.0852% | 2,213 |
| Net operating income to assets | 1.4418% | 1,304 |
| Return on assets (ROA) | 1.4418% | 1,307 |
| Pretax return on assets | 1.8864% | 798 |
| Return on Equity (ROE) | 12.9492% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.4708% | 449 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3808% | 4,173 |
| Assets per employee ($millions) | 4.8939% | 2,567 |
| Cash dividends to net income (ytd only)* | 3.6946% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 1,321 |
| Loan loss allowance to noncurrent loans | 311.6883% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,763 |
| Noncurrent loans to loans | 0.4889% | 2,971 |
| Net loans and leases to total assets | 77.8404% | 1,340 |
| Net loans and leases to deposits | 99.0715% | 878 |
| Net loans and leases to core deposits | 100.6405% | 1,681 |
| Total domestic deposits to total assets | 78.5699% | 4,497 |
| Equity capital to assets | 11.5783% | 2,140 |
| Core capital (leverage) ratio | 10.9585% | 2,564 |
| Tier 1 risk-based capital ratio | 12.9988% | 3,895 |
| Total risk-based capital ratio | 14.2513% | 3,813 |
| Memoranda: | ||
| Average total assets | $281,588,330 | 2,272 |
| Average earning assets | $259,938,000 | 2,280 |
| Average equity | $31,353,330 | 2,265 |
| Average total loans | $220,029,330 | 2,032 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,308 |
| Cost of funding earning assets | 0.5908% | 2,112 |
| Net interest margin | 4.1094% | 1,415 |
| Noninterest income to average assets | 0.7451% | 1,640 |
| Noninterest expense to average assets | 2.7840% | 2,759 |
| Loan and lease loss provision to assets | 0.0848% | 2,107 |
| Net operating income to assets | 1.2866% | 1,687 |
| Return on assets (ROA) | 1.2866% | 1,692 |
| Pretax return on assets | 1.6627% | 1,214 |
| Return on Equity (ROE) | 11.7872% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.7872% | 718 |
| Net charge-offs to loans | -0.0091% | 4,212 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4353% | 3,882 |
| Assets per employee ($millions) | 5.0244% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,439 |
| Loan loss allowance to noncurrent loans | 143.1356% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 1,485 |
| Noncurrent loans to loans | 1.0529% | 1,741 |
| Net loans and leases to total assets | 75.4187% | 1,632 |
| Net loans and leases to deposits | 95.1964% | 1,110 |
| Net loans and leases to core deposits | 96.2171% | 1,961 |
| Total domestic deposits to total assets | 79.2244% | 4,541 |
| Equity capital to assets | 10.9119% | 2,667 |
| Core capital (leverage) ratio | 10.6137% | 2,835 |
| Tier 1 risk-based capital ratio | 12.6472% | 4,141 |
| Total risk-based capital ratio | 13.8995% | 4,049 |
| Memoranda: | ||
| Average total assets | $282,906,000 | 2,286 |
| Average earning assets | $260,672,000 | 2,292 |
| Average equity | $30,881,000 | 2,311 |
| Average total loans | $219,795,000 | 2,040 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 1,315 |
| Cost of funding earning assets | 0.4808% | 2,495 |
| Net interest margin | 4.1675% | 1,257 |
| Noninterest income to average assets | 0.8514% | 1,403 |
| Noninterest expense to average assets | 2.7485% | 2,957 |
| Loan and lease loss provision to assets | 0.0892% | 2,405 |
| Net operating income to assets | 1.0798% | 1,936 |
| Return on assets (ROA) | 1.0739% | 1,983 |
| Pretax return on assets | 1.8458% | 698 |
| Return on Equity (ROE) | 9.7237% | 2,007 |
| Retained earnings to average equity (ytd only) | 6.8782% | 1,125 |
| Net charge-offs to loans | 0.0735% | 2,394 |
| Credit loss provision to net charge-offs | 156.8627% | 1,706 |
| Earnings coverage of net charge-offs (x) | 34.2092% | 1,406 |
| Efficiency ratio | 58.5688% | 4,465 |
| Assets per employee ($millions) | 4.9021% | 2,596 |
| Cash dividends to net income (ytd only)* | 29.2632% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,506 |
| Loan loss allowance to noncurrent loans | 100.0309% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 994 |
| Noncurrent loans to loans | 1.4703% | 1,162 |
| Net loans and leases to total assets | 77.6794% | 1,323 |
| Net loans and leases to deposits | 98.0911% | 896 |
| Net loans and leases to core deposits | 99.0531% | 1,787 |
| Total domestic deposits to total assets | 79.1911% | 4,500 |
| Equity capital to assets | 10.9194% | 2,713 |
| Core capital (leverage) ratio | 10.5316% | 2,809 |
| Tier 1 risk-based capital ratio | 12.2616% | 4,360 |
| Total risk-based capital ratio | 13.5134% | 4,261 |
| Memoranda: | ||
| Average total assets | $269,205,800 | 2,356 |
| Average earning assets | $248,131,800 | 2,359 |
| Average equity | $29,731,600 | 2,376 |
| Average total loans | $208,258,000 | 2,096 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 1,317 |
| Cost of funding earning assets | 0.4727% | 2,492 |
| Net interest margin | 4.1475% | 1,283 |
| Noninterest income to average assets | 0.8510% | 1,423 |
| Noninterest expense to average assets | 2.8021% | 2,721 |
| Loan and lease loss provision to assets | 0.0900% | 2,274 |
| Net operating income to assets | 1.2080% | 1,660 |
| Return on assets (ROA) | 1.1995% | 1,728 |
| Pretax return on assets | 1.7766% | 933 |
| Return on Equity (ROE) | 10.8292% | 1,765 |
| Retained earnings to average equity (ytd only) | 9.5878% | 686 |
| Net charge-offs to loans | 0.0624% | 2,222 |
| Credit loss provision to net charge-offs | 187.5000% | 1,415 |
| Earnings coverage of net charge-offs (x) | 39.1448% | 1,323 |
| Efficiency ratio | 59.8590% | 4,247 |
| Assets per employee ($millions) | 4.7522% | 2,760 |
| Cash dividends to net income (ytd only)* | 11.4632% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,512 |
| Loan loss allowance to noncurrent loans | 192.4495% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 2,490 |
| Noncurrent loans to loans | 0.7827% | 2,405 |
| Net loans and leases to total assets | 78.1380% | 1,242 |
| Net loans and leases to deposits | 100.9515% | 680 |
| Net loans and leases to core deposits | 102.2433% | 1,529 |
| Total domestic deposits to total assets | 77.4015% | 4,817 |
| Equity capital to assets | 11.3414% | 2,534 |
| Core capital (leverage) ratio | 10.6397% | 2,836 |
| Tier 1 risk-based capital ratio | 12.6930% | 4,210 |
| Total risk-based capital ratio | 13.9454% | 4,104 |
| Memoranda: | ||
| Average total assets | $266,652,500 | 2,385 |
| Average earning assets | $246,244,500 | 2,389 |
| Average equity | $29,536,750 | 2,407 |
| Average total loans | $205,249,750 | 2,128 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,462 |
| Cost of funding earning assets | 0.4522% | 2,581 |
| Net interest margin | 4.0695% | 1,408 |
| Noninterest income to average assets | 0.8272% | 1,477 |
| Noninterest expense to average assets | 2.8140% | 2,703 |
| Loan and lease loss provision to assets | 0.0905% | 2,171 |
| Net operating income to assets | 1.1401% | 1,822 |
| Return on assets (ROA) | 1.1273% | 1,918 |
| Pretax return on assets | 1.6566% | 1,174 |
| Return on Equity (ROE) | 10.2601% | 1,928 |
| Retained earnings to average equity (ytd only) | 8.3728% | 1,040 |
| Net charge-offs to loans | 0.0841% | 1,768 |
| Credit loss provision to net charge-offs | 141.1765% | 1,580 |
| Earnings coverage of net charge-offs (x) | 27.5529% | 1,538 |
| Efficiency ratio | 61.4422% | 4,097 |
| Assets per employee ($millions) | 4.7745% | 2,684 |
| Cash dividends to net income (ytd only)* | 18.3946% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,558 |
| Loan loss allowance to noncurrent loans | 198.1355% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,634 |
| Noncurrent loans to loans | 0.7597% | 2,493 |
| Net loans and leases to total assets | 76.6503% | 1,438 |
| Net loans and leases to deposits | 97.2136% | 971 |
| Net loans and leases to core deposits | 98.3095% | 1,780 |
| Total domestic deposits to total assets | 78.8473% | 4,652 |
| Equity capital to assets | 10.9662% | 2,842 |
| Core capital (leverage) ratio | 10.4133% | 3,012 |
| Tier 1 risk-based capital ratio | 12.1996% | 4,490 |
| Total risk-based capital ratio | 13.4518% | 4,373 |
| Memoranda: | ||
| Average total assets | $265,244,670 | 2,405 |
| Average earning assets | $244,597,330 | 2,413 |
| Average equity | $29,142,000 | 2,427 |
| Average total loans | $202,035,000 | 2,151 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,536 |
| Cost of funding earning assets | 0.4571% | 2,461 |
| Net interest margin | 3.9802% | 1,521 |
| Noninterest income to average assets | 0.7991% | 1,556 |
| Noninterest expense to average assets | 2.8618% | 2,572 |
| Loan and lease loss provision to assets | 0.0917% | 2,010 |
| Net operating income to assets | 1.0466% | 2,083 |
| Return on assets (ROA) | 1.0466% | 2,134 |
| Pretax return on assets | 1.5172% | 1,481 |
| Return on Equity (ROE) | 9.5169% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.5169% | 922 |
| Net charge-offs to loans | 0.1075% | 1,307 |
| Credit loss provision to net charge-offs | 113.2075% | 1,457 |
| Earnings coverage of net charge-offs (x) | 19.8679% | 1,507 |
| Efficiency ratio | 64.0123% | 3,833 |
| Assets per employee ($millions) | 4.6602% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,419 |
| Loan loss allowance to noncurrent loans | 271.5636% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 3,229 |
| Noncurrent loans to loans | 0.5834% | 3,059 |
| Net loans and leases to total assets | 75.2421% | 1,542 |
| Net loans and leases to deposits | 93.7472% | 1,135 |
| Net loans and leases to core deposits | 94.8274% | 1,907 |
| Total domestic deposits to total assets | 80.2606% | 4,570 |
| Equity capital to assets | 11.1955% | 2,435 |
| Core capital (leverage) ratio | 10.5645% | 2,828 |
| Tier 1 risk-based capital ratio | 12.9353% | 4,120 |
| Total risk-based capital ratio | 14.1882% | 4,012 |
| Memoranda: | ||
| Average total assets | $261,794,500 | 2,452 |
| Average earning assets | $241,498,000 | 2,459 |
| Average equity | $28,791,000 | 2,455 |
| Average total loans | $197,158,500 | 2,205 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,533 |
| Cost of funding earning assets | 0.4793% | 2,264 |
| Net interest margin | 4.0214% | 1,573 |
| Noninterest income to average assets | 0.9084% | 1,384 |
| Noninterest expense to average assets | 3.0203% | 2,288 |
| Loan and lease loss provision to assets | 0.0952% | 2,458 |
| Net operating income to assets | 1.0353% | 2,208 |
| Return on assets (ROA) | 1.0353% | 2,304 |
| Pretax return on assets | 1.4871% | 1,627 |
| Return on Equity (ROE) | 9.5022% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.3930% | 513 |
| Net charge-offs to loans | 0.1393% | 1,862 |
| Credit loss provision to net charge-offs | 90.5660% | 2,787 |
| Earnings coverage of net charge-offs (x) | 15.0528% | 2,239 |
| Efficiency ratio | 65.6210% | 3,658 |
| Assets per employee ($millions) | 4.6073% | 2,949 |
| Cash dividends to net income (ytd only)* | 1.1494% | 4,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,329 |
| Loan loss allowance to noncurrent loans | 270.6438% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,275 |
| Noncurrent loans to loans | 0.5981% | 3,058 |
| Net loans and leases to total assets | 72.9741% | 2,017 |
| Net loans and leases to deposits | 92.7218% | 1,339 |
| Net loans and leases to core deposits | 93.9288% | 2,116 |
| Total domestic deposits to total assets | 78.7021% | 4,865 |
| Equity capital to assets | 10.8009% | 2,813 |
| Core capital (leverage) ratio | 10.3622% | 3,042 |
| Tier 1 risk-based capital ratio | 12.5956% | 4,325 |
| Total risk-based capital ratio | 13.8488% | 4,219 |
| Memoranda: | ||
| Average total assets | $252,096,800 | 2,487 |
| Average earning assets | $231,588,200 | 2,504 |
| Average equity | $27,467,400 | 2,538 |
| Average total loans | $190,264,600 | 2,207 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 1,490 |
| Cost of funding earning assets | 0.4808% | 2,253 |
| Net interest margin | 4.0351% | 1,565 |
| Noninterest income to average assets | 0.9182% | 1,351 |
| Noninterest expense to average assets | 3.0411% | 2,197 |
| Loan and lease loss provision to assets | 0.0962% | 2,303 |
| Net operating income to assets | 1.0347% | 2,267 |
| Return on assets (ROA) | 1.0347% | 2,392 |
| Pretax return on assets | 1.4858% | 1,756 |
| Return on Equity (ROE) | 9.4750% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.3282% | 727 |
| Net charge-offs to loans | 0.1643% | 1,389 |
| Credit loss provision to net charge-offs | 77.2532% | 2,699 |
| Earnings coverage of net charge-offs (x) | 12.7038% | 2,369 |
| Efficiency ratio | 65.7803% | 3,625 |
| Assets per employee ($millions) | 4.6006% | 2,928 |
| Cash dividends to net income (ytd only)* | 1.5496% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 1,384 |
| Loan loss allowance to noncurrent loans | 213.0969% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 3,007 |
| Noncurrent loans to loans | 0.7647% | 2,761 |
| Net loans and leases to total assets | 74.5281% | 1,784 |
| Net loans and leases to deposits | 95.5847% | 1,089 |
| Net loans and leases to core deposits | 97.4206% | 1,872 |
| Total domestic deposits to total assets | 77.9708% | 4,918 |
| Equity capital to assets | 11.1456% | 2,864 |
| Core capital (leverage) ratio | 10.3219% | 3,202 |
| Tier 1 risk-based capital ratio | 12.5907% | 4,419 |
| Total risk-based capital ratio | 13.8445% | 4,324 |
| Memoranda: | ||
| Average total assets | $249,466,500 | 2,515 |
| Average earning assets | $229,050,250 | 2,531 |
| Average equity | $27,243,000 | 2,572 |
| Average total loans | $189,131,750 | 2,219 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 1,500 |
| Cost of funding earning assets | 0.4812% | 2,261 |
| Net interest margin | 4.0214% | 1,580 |
| Noninterest income to average assets | 0.8917% | 1,398 |
| Noninterest expense to average assets | 3.0297% | 2,254 |
| Loan and lease loss provision to assets | 0.0967% | 2,217 |
| Net operating income to assets | 1.0182% | 2,307 |
| Return on assets (ROA) | 1.0182% | 2,443 |
| Pretax return on assets | 1.4548% | 1,822 |
| Return on Equity (ROE) | 9.3896% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.3896% | 747 |
| Net charge-offs to loans | 0.2295% | 1,024 |
| Credit loss provision to net charge-offs | 55.5556% | 2,624 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,469 |
| Efficiency ratio | 66.1333% | 3,664 |
| Assets per employee ($millions) | 4.5731% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,452 |
| Loan loss allowance to noncurrent loans | 281.4612% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 3,290 |
| Noncurrent loans to loans | 0.5778% | 3,330 |
| Net loans and leases to total assets | 72.7951% | 2,044 |
| Net loans and leases to deposits | 95.5408% | 1,125 |
| Net loans and leases to core deposits | 97.6211% | 1,843 |
| Total domestic deposits to total assets | 76.1927% | 5,261 |
| Equity capital to assets | 10.8066% | 3,278 |
| Core capital (leverage) ratio | 10.1792% | 3,353 |
| Tier 1 risk-based capital ratio | 12.2894% | 4,652 |
| Total risk-based capital ratio | 13.5431% | 4,573 |
| Memoranda: | ||
| Average total assets | $248,278,000 | 2,546 |
| Average earning assets | $227,781,000 | 2,557 |
| Average equity | $26,923,330 | 2,600 |
| Average total loans | $188,274,330 | 2,230 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,534 |
| Cost of funding earning assets | 0.4731% | 2,339 |
| Net interest margin | 4.0177% | 1,561 |
| Noninterest income to average assets | 0.7644% | 1,760 |
| Noninterest expense to average assets | 3.0266% | 2,309 |
| Loan and lease loss provision to assets | 0.0982% | 2,056 |
| Net operating income to assets | 0.9412% | 2,555 |
| Return on assets (ROA) | 0.9412% | 2,668 |
| Pretax return on assets | 1.3373% | 2,147 |
| Return on Equity (ROE) | 8.6637% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.6637% | 1,208 |
| Net charge-offs to loans | 0.4689% | 478 |
| Credit loss provision to net charge-offs | 27.2727% | 2,245 |
| Earnings coverage of net charge-offs (x) | 3.9864% | 2,478 |
| Efficiency ratio | 67.8283% | 3,492 |
| Assets per employee ($millions) | 4.3818% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 1,620 |
| Loan loss allowance to noncurrent loans | 206.1475% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 2,817 |
| Noncurrent loans to loans | 0.7740% | 2,904 |
| Net loans and leases to total assets | 75.8535% | 1,412 |
| Net loans and leases to deposits | 99.1271% | 681 |
| Net loans and leases to core deposits | 101.5074% | 1,372 |
| Total domestic deposits to total assets | 76.5214% | 5,362 |
| Equity capital to assets | 10.9544% | 2,993 |
| Core capital (leverage) ratio | 10.1409% | 3,378 |
| Tier 1 risk-based capital ratio | 12.3594% | 4,687 |
| Total risk-based capital ratio | 13.6127% | 4,579 |
| Memoranda: | ||
| Average total assets | $244,370,000 | 2,589 |
| Average earning assets | $224,904,500 | 2,586 |
| Average equity | $26,547,500 | 2,625 |
| Average total loans | $187,658,500 | 2,231 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 1,824 |
| Cost of funding earning assets | 0.4955% | 2,196 |
| Net interest margin | 3.9277% | 1,937 |
| Noninterest income to average assets | 0.8079% | 1,760 |
| Noninterest expense to average assets | 3.0150% | 2,492 |
| Loan and lease loss provision to assets | 0.1001% | 2,313 |
| Net operating income to assets | 0.9255% | 2,725 |
| Return on assets (ROA) | 0.9255% | 2,816 |
| Pretax return on assets | 1.3062% | 2,255 |
| Return on Equity (ROE) | 8.8189% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.8189% | 699 |
| Net charge-offs to loans | 0.0228% | 3,805 |
| Credit loss provision to net charge-offs | 585.3659% | 577 |
| Earnings coverage of net charge-offs (x) | 82.2439% | 684 |
| Efficiency ratio | 68.1917% | 3,531 |
| Assets per employee ($millions) | 4.4247% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,333 |
| Loan loss allowance to noncurrent loans | 155.8607% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 2,575 |
| Noncurrent loans to loans | 1.0952% | 2,149 |
| Net loans and leases to total assets | 75.1938% | 1,535 |
| Net loans and leases to deposits | 97.4206% | 873 |
| Net loans and leases to core deposits | 100.1664% | 1,487 |
| Total domestic deposits to total assets | 77.1847% | 5,285 |
| Equity capital to assets | 10.7722% | 3,052 |
| Core capital (leverage) ratio | 10.0394% | 3,456 |
| Tier 1 risk-based capital ratio | 12.2807% | 4,772 |
| Total risk-based capital ratio | 13.5355% | 4,667 |
| Memoranda: | ||
| Average total assets | $239,771,600 | 2,580 |
| Average earning assets | $220,588,600 | 2,580 |
| Average equity | $25,161,800 | 2,676 |
| Average total loans | $179,772,600 | 2,244 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,952 |
| Cost of funding earning assets | 0.4993% | 2,217 |
| Net interest margin | 3.8912% | 2,062 |
| Noninterest income to average assets | 0.8071% | 1,780 |
| Noninterest expense to average assets | 3.0241% | 2,450 |
| Loan and lease loss provision to assets | 0.1005% | 2,173 |
| Net operating income to assets | 0.8975% | 2,974 |
| Return on assets (ROA) | 0.8975% | 3,060 |
| Pretax return on assets | 1.2626% | 2,544 |
| Return on Equity (ROE) | 8.6108% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.6108% | 1,032 |
| Net charge-offs to loans | 0.0314% | 3,295 |
| Credit loss provision to net charge-offs | 428.5714% | 718 |
| Earnings coverage of net charge-offs (x) | 58.1414% | 935 |
| Efficiency ratio | 68.9313% | 3,388 |
| Assets per employee ($millions) | 4.5140% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 1,392 |
| Loan loss allowance to noncurrent loans | 151.2373% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 2,725 |
| Noncurrent loans to loans | 1.1498% | 2,213 |
| Net loans and leases to total assets | 73.6182% | 1,801 |
| Net loans and leases to deposits | 94.8300% | 1,107 |
| Net loans and leases to core deposits | 97.5416% | 1,743 |
| Total domestic deposits to total assets | 77.6318% | 5,245 |
| Equity capital to assets | 10.7118% | 3,345 |
| Core capital (leverage) ratio | 9.8052% | 3,892 |
| Tier 1 risk-based capital ratio | 12.3508% | 4,857 |
| Total risk-based capital ratio | 13.6056% | 4,761 |
| Memoranda: | ||
| Average total assets | $238,874,750 | 2,600 |
| Average earning assets | $219,774,000 | 2,607 |
| Average equity | $24,898,500 | 2,722 |
| Average total loans | $178,173,500 | 2,266 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 2,092 |
| Cost of funding earning assets | 0.5019% | 2,234 |
| Net interest margin | 3.8257% | 2,219 |
| Noninterest income to average assets | 0.7899% | 1,821 |
| Noninterest expense to average assets | 3.0240% | 2,485 |
| Loan and lease loss provision to assets | 0.1005% | 2,151 |
| Net operating income to assets | 0.8544% | 3,114 |
| Return on assets (ROA) | 0.8544% | 3,216 |
| Pretax return on assets | 1.1962% | 2,793 |
| Return on Equity (ROE) | 8.2740% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.2740% | 1,159 |
| Net charge-offs to loans | 0.0045% | 3,745 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 178 |
| Efficiency ratio | 69.9884% | 3,333 |
| Assets per employee ($millions) | 4.5933% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 1,601 |
| Loan loss allowance to noncurrent loans | 146.1756% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 2,806 |
| Noncurrent loans to loans | 1.1637% | 2,321 |
| Net loans and leases to total assets | 73.4928% | 1,744 |
| Net loans and leases to deposits | 95.3273% | 1,018 |
| Net loans and leases to core deposits | 97.4833% | 1,692 |
| Total domestic deposits to total assets | 77.0952% | 5,445 |
| Equity capital to assets | 10.4626% | 3,482 |
| Core capital (leverage) ratio | 9.5566% | 4,199 |
| Tier 1 risk-based capital ratio | 11.9358% | 5,191 |
| Total risk-based capital ratio | 13.1907% | 5,088 |
| Memoranda: | ||
| Average total assets | $238,752,670 | 2,621 |
| Average earning assets | $220,349,000 | 2,620 |
| Average equity | $24,655,670 | 2,753 |
| Average total loans | $177,817,330 | 2,278 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,025 |
| Cost of funding earning assets | 0.4954% | 2,334 |
| Net interest margin | 3.8258% | 2,149 |
| Noninterest income to average assets | 0.7529% | 1,897 |
| Noninterest expense to average assets | 3.0930% | 2,295 |
| Loan and lease loss provision to assets | 0.1015% | 2,003 |
| Net operating income to assets | 0.7851% | 3,338 |
| Return on assets (ROA) | 0.7851% | 3,472 |
| Pretax return on assets | 1.0863% | 3,137 |
| Return on Equity (ROE) | 7.6542% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.6542% | 1,701 |
| Net charge-offs to loans | 0.0046% | 3,161 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 160 |
| Efficiency ratio | 72.2530% | 3,127 |
| Assets per employee ($millions) | 4.5622% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,687 |
| Loan loss allowance to noncurrent loans | 135.6250% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 2,722 |
| Noncurrent loans to loans | 1.2675% | 2,256 |
| Net loans and leases to total assets | 73.2131% | 1,617 |
| Net loans and leases to deposits | 95.3800% | 875 |
| Net loans and leases to core deposits | 97.8568% | 1,486 |
| Total domestic deposits to total assets | 76.7593% | 5,652 |
| Equity capital to assets | 10.3400% | 3,736 |
| Core capital (leverage) ratio | 9.5309% | 4,224 |
| Tier 1 risk-based capital ratio | 12.3688% | 4,998 |
| Total risk-based capital ratio | 13.6243% | 4,907 |
| Memoranda: | ||
| Average total assets | $236,405,500 | 2,663 |
| Average earning assets | $217,992,500 | 2,662 |
| Average equity | $24,248,000 | 2,805 |
| Average total loans | $175,720,000 | 2,307 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 2,266 |
| Cost of funding earning assets | 0.5176% | 2,512 |
| Net interest margin | 3.8684% | 2,366 |
| Noninterest income to average assets | 0.8116% | 1,826 |
| Noninterest expense to average assets | 3.0838% | 2,577 |
| Loan and lease loss provision to assets | 0.1071% | 2,364 |
| Net operating income to assets | 0.8419% | 3,164 |
| Return on assets (ROA) | 0.8419% | 3,255 |
| Pretax return on assets | 1.1571% | 2,838 |
| Return on Equity (ROE) | 8.1055% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.8062% | 2,062 |
| Net charge-offs to loans | 0.2226% | 1,888 |
| Credit loss provision to net charge-offs | 65.3951% | 3,174 |
| Earnings coverage of net charge-offs (x) | 7.7166% | 2,990 |
| Efficiency ratio | 70.9240% | 3,384 |
| Assets per employee ($millions) | 4.3625% | 3,253 |
| Cash dividends to net income (ytd only)* | 28.3669% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 1,759 |
| Loan loss allowance to noncurrent loans | 148.3325% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 3,058 |
| Noncurrent loans to loans | 1.1499% | 2,543 |
| Net loans and leases to total assets | 72.9000% | 1,777 |
| Net loans and leases to deposits | 94.5500% | 1,026 |
| Net loans and leases to core deposits | 99.0918% | 1,460 |
| Total domestic deposits to total assets | 77.1021% | 5,583 |
| Equity capital to assets | 10.1734% | 3,890 |
| Core capital (leverage) ratio | 9.4999% | 4,237 |
| Tier 1 risk-based capital ratio | 12.2104% | 5,220 |
| Total risk-based capital ratio | 13.4659% | 5,130 |
| Memoranda: | ||
| Average total assets | $224,006,800 | 2,743 |
| Average earning assets | $204,789,400 | 2,757 |
| Average equity | $23,268,200 | 2,820 |
| Average total loans | $164,869,200 | 2,378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 2,290 |
| Cost of funding earning assets | 0.4993% | 2,774 |
| Net interest margin | 3.8805% | 2,324 |
| Noninterest income to average assets | 0.8014% | 1,892 |
| Noninterest expense to average assets | 3.0801% | 2,527 |
| Loan and lease loss provision to assets | 0.0724% | 2,897 |
| Net operating income to assets | 0.8629% | 3,110 |
| Return on assets (ROA) | 0.8629% | 3,202 |
| Pretax return on assets | 1.1915% | 2,814 |
| Return on Equity (ROE) | 8.2618% | 3,059 |
| Retained earnings to average equity (ytd only) | 6.8761% | 1,887 |
| Net charge-offs to loans | 0.2635% | 1,480 |
| Credit loss provision to net charge-offs | 37.3832% | 3,331 |
| Earnings coverage of net charge-offs (x) | 6.5296% | 3,070 |
| Efficiency ratio | 70.9051% | 3,358 |
| Assets per employee ($millions) | 4.1901% | 3,504 |
| Cash dividends to net income (ytd only)* | 16.7714% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 1,961 |
| Loan loss allowance to noncurrent loans | 162.8011% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 3,432 |
| Noncurrent loans to loans | 1.0461% | 2,980 |
| Net loans and leases to total assets | 74.1301% | 1,504 |
| Net loans and leases to deposits | 96.0284% | 880 |
| Net loans and leases to core deposits | 100.7375% | 1,315 |
| Total domestic deposits to total assets | 77.1960% | 5,642 |
| Equity capital to assets | 10.5342% | 3,514 |
| Core capital (leverage) ratio | 9.6581% | 4,140 |
| Tier 1 risk-based capital ratio | 12.4166% | 5,214 |
| Total risk-based capital ratio | 13.6719% | 5,142 |
| Memoranda: | ||
| Average total assets | $221,114,500 | 2,790 |
| Average earning assets | $201,857,000 | 2,805 |
| Average equity | $23,093,750 | 2,844 |
| Average total loans | $162,407,750 | 2,418 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,495 |
| Cost of funding earning assets | 0.5124% | 2,699 |
| Net interest margin | 3.8142% | 2,515 |
| Noninterest income to average assets | 0.7922% | 1,865 |
| Noninterest expense to average assets | 3.0939% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8505% | 3,070 |
| Return on assets (ROA) | 0.8505% | 3,172 |
| Pretax return on assets | 1.1723% | 2,791 |
| Return on Equity (ROE) | 8.1675% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.0665% | 2,279 |
| Net charge-offs to loans | 0.1891% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.5166% | 2,479 |
| Efficiency ratio | 72.5214% | 3,241 |
| Assets per employee ($millions) | 4.2797% | 3,311 |
| Cash dividends to net income (ytd only)* | 25.7235% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 1,908 |
| Loan loss allowance to noncurrent loans | 155.0892% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 3,375 |
| Noncurrent loans to loans | 1.1443% | 2,939 |
| Net loans and leases to total assets | 73.5197% | 1,501 |
| Net loans and leases to deposits | 93.6167% | 996 |
| Net loans and leases to core deposits | 96.7334% | 1,545 |
| Total domestic deposits to total assets | 78.5327% | 5,545 |
| Equity capital to assets | 10.4883% | 3,455 |
| Core capital (leverage) ratio | 9.7578% | 3,949 |
| Tier 1 risk-based capital ratio | 12.5606% | 5,186 |
| Total risk-based capital ratio | 13.8169% | 5,110 |
| Memoranda: | ||
| Average total assets | $219,398,330 | 2,817 |
| Average earning assets | $199,834,000 | 2,836 |
| Average equity | $22,846,670 | 2,865 |
| Average total loans | $159,665,330 | 2,454 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,578 |
| Cost of funding earning assets | 0.5315% | 2,588 |
| Net interest margin | 3.7530% | 2,664 |
| Noninterest income to average assets | 0.7235% | 2,066 |
| Noninterest expense to average assets | 3.1401% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7455% | 3,448 |
| Return on assets (ROA) | 0.7455% | 3,531 |
| Pretax return on assets | 0.9935% | 3,348 |
| Return on Equity (ROE) | 7.1860% | 3,361 |
| Retained earnings to average equity (ytd only) | 5.4160% | 2,845 |
| Net charge-offs to loans | 0.2970% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.6638% | 2,494 |
| Efficiency ratio | 75.9662% | 2,811 |
| Assets per employee ($millions) | 4.3076% | 3,325 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 1,720 |
| Loan loss allowance to noncurrent loans | 146.7615% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 3,328 |
| Noncurrent loans to loans | 1.3019% | 2,851 |
| Net loans and leases to total assets | 71.2940% | 1,682 |
| Net loans and leases to deposits | 88.7323% | 1,283 |
| Net loans and leases to core deposits | 94.6287% | 1,498 |
| Total domestic deposits to total assets | 80.3473% | 5,412 |
| Equity capital to assets | 10.6008% | 3,144 |
| Core capital (leverage) ratio | 9.6833% | 4,021 |
| Tier 1 risk-based capital ratio | 12.7130% | 5,182 |
| Total risk-based capital ratio | 13.9501% | 5,124 |
| Memoranda: | ||
| Average total assets | $217,826,000 | 2,852 |
| Average earning assets | $197,924,000 | 2,871 |
| Average equity | $22,599,500 | 2,880 |
| Average total loans | $156,213,500 | 2,504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 2,414 |
| Cost of funding earning assets | 0.5732% | 2,897 |
| Net interest margin | 3.8721% | 2,392 |
| Noninterest income to average assets | 0.9208% | 1,609 |
| Noninterest expense to average assets | 3.1335% | 2,634 |
| Loan and lease loss provision to assets | 0.0659% | 3,811 |
| Net operating income to assets | 0.9072% | 2,741 |
| Return on assets (ROA) | 0.9086% | 2,823 |
| Pretax return on assets | 1.2598% | 2,315 |
| Return on Equity (ROE) | 8.7059% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.3227% | 2,400 |
| Net charge-offs to loans | 0.0026% | 5,424 |
| Credit loss provision to net charge-offs | 3,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 703.0000% | 56 |
| Efficiency ratio | 69.9937% | 3,842 |
| Assets per employee ($millions) | 3.7978% | 4,270 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 1,568 |
| Loan loss allowance to noncurrent loans | 165.0903% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 3,736 |
| Noncurrent loans to loans | 1.2073% | 3,129 |
| Net loans and leases to total assets | 69.3579% | 2,115 |
| Net loans and leases to deposits | 85.8929% | 1,699 |
| Net loans and leases to core deposits | 89.7642% | 2,053 |
| Total domestic deposits to total assets | 80.7493% | 5,253 |
| Equity capital to assets | 10.1543% | 3,564 |
| Core capital (leverage) ratio | 9.5926% | 4,122 |
| Tier 1 risk-based capital ratio | 12.4253% | 5,338 |
| Total risk-based capital ratio | 13.6835% | 5,274 |
| Memoranda: | ||
| Average total assets | $212,413,400 | 2,888 |
| Average earning assets | $194,003,800 | 2,905 |
| Average equity | $22,169,000 | 2,910 |
| Average total loans | $151,585,800 | 2,539 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 2,422 |
| Cost of funding earning assets | 0.5811% | 2,983 |
| Net interest margin | 3.8683% | 2,386 |
| Noninterest income to average assets | 0.9662% | 1,555 |
| Noninterest expense to average assets | 3.1361% | 2,546 |
| Loan and lease loss provision to assets | 0.0887% | 3,287 |
| Net operating income to assets | 0.9149% | 2,757 |
| Return on assets (ROA) | 0.9168% | 2,851 |
| Pretax return on assets | 1.2823% | 2,398 |
| Return on Equity (ROE) | 8.7221% | 2,778 |
| Retained earnings to average equity (ytd only) | 6.0096% | 2,397 |
| Net charge-offs to loans | 0.0372% | 4,404 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 51.4273% | 851 |
| Efficiency ratio | 69.3249% | 3,865 |
| Assets per employee ($millions) | 3.7221% | 4,411 |
| Cash dividends to net income (ytd only)* | 31.0990% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 1,783 |
| Loan loss allowance to noncurrent loans | 107.1952% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.3730% | 2,900 |
| Noncurrent loans to loans | 1.8422% | 2,444 |
| Net loans and leases to total assets | 71.8069% | 1,627 |
| Net loans and leases to deposits | 91.5817% | 1,014 |
| Net loans and leases to core deposits | 95.8513% | 1,406 |
| Total domestic deposits to total assets | 78.4075% | 5,842 |
| Equity capital to assets | 10.5075% | 3,266 |
| Core capital (leverage) ratio | 9.7361% | 4,050 |
| Tier 1 risk-based capital ratio | 12.5937% | 5,394 |
| Total risk-based capital ratio | 13.8520% | 5,334 |
| Memoranda: | ||
| Average total assets | $210,448,750 | 2,936 |
| Average earning assets | $192,499,250 | 2,942 |
| Average equity | $22,119,500 | 2,949 |
| Average total loans | $150,511,500 | 2,561 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 2,381 |
| Cost of funding earning assets | 0.5880% | 3,050 |
| Net interest margin | 3.8628% | 2,335 |
| Noninterest income to average assets | 1.0158% | 1,487 |
| Noninterest expense to average assets | 3.1857% | 2,392 |
| Loan and lease loss provision to assets | 0.1144% | 2,902 |
| Net operating income to assets | 0.8988% | 2,806 |
| Return on assets (ROA) | 0.9015% | 2,929 |
| Pretax return on assets | 1.2626% | 2,434 |
| Return on Equity (ROE) | 8.5760% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.8563% | 2,514 |
| Net charge-offs to loans | 0.0497% | 3,979 |
| Credit loss provision to net charge-offs | 324.3243% | 802 |
| Earnings coverage of net charge-offs (x) | 38.9459% | 947 |
| Efficiency ratio | 69.5861% | 3,911 |
| Assets per employee ($millions) | 3.9821% | 3,842 |
| Cash dividends to net income (ytd only)* | 31.7125% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0257% | 1,794 |
| Loan loss allowance to noncurrent loans | 114.9417% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 3,141 |
| Noncurrent loans to loans | 1.7623% | 2,685 |
| Net loans and leases to total assets | 69.9891% | 1,886 |
| Net loans and leases to deposits | 88.1821% | 1,319 |
| Net loans and leases to core deposits | 91.6038% | 1,750 |
| Total domestic deposits to total assets | 79.3689% | 5,741 |
| Equity capital to assets | 10.3838% | 3,448 |
| Core capital (leverage) ratio | 9.5032% | 4,244 |
| Tier 1 risk-based capital ratio | 12.6358% | 5,404 |
| Total risk-based capital ratio | 13.8945% | 5,334 |
| Memoranda: | ||
| Average total assets | $209,877,670 | 2,956 |
| Average earning assets | $192,502,330 | 2,964 |
| Average equity | $22,061,670 | 2,978 |
| Average total loans | $148,876,670 | 2,588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 2,386 |
| Cost of funding earning assets | 0.5973% | 3,131 |
| Net interest margin | 3.8419% | 2,315 |
| Noninterest income to average assets | 0.9747% | 1,539 |
| Noninterest expense to average assets | 3.1822% | 2,412 |
| Loan and lease loss provision to assets | 0.1147% | 2,798 |
| Net operating income to assets | 0.8641% | 2,841 |
| Return on assets (ROA) | 0.8696% | 2,953 |
| Pretax return on assets | 1.2136% | 2,525 |
| Return on Equity (ROE) | 8.2223% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.2223% | 1,677 |
| Net charge-offs to loans | 0.0433% | 3,427 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 43.1875% | 738 |
| Efficiency ratio | 70.3735% | 3,915 |
| Assets per employee ($millions) | 3.9259% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0371% | 1,950 |
| Loan loss allowance to noncurrent loans | 132.4692% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 3,553 |
| Noncurrent loans to loans | 1.5378% | 3,244 |
| Net loans and leases to total assets | 69.6820% | 1,716 |
| Net loans and leases to deposits | 86.8249% | 1,265 |
| Net loans and leases to core deposits | 90.5168% | 1,655 |
| Total domestic deposits to total assets | 80.2558% | 5,697 |
| Equity capital to assets | 10.7237% | 3,290 |
| Core capital (leverage) ratio | 9.6348% | 3,867 |
| Tier 1 risk-based capital ratio | 12.7449% | 5,406 |
| Total risk-based capital ratio | 14.0037% | 5,348 |
| Memoranda: | ||
| Average total assets | $209,291,500 | 2,984 |
| Average earning assets | $192,198,500 | 2,984 |
| Average equity | $22,135,000 | 3,011 |
| Average total loans | $147,932,000 | 2,615 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 1,965 |
| Cost of funding earning assets | 0.7572% | 3,038 |
| Net interest margin | 4.1079% | 1,971 |
| Noninterest income to average assets | 1.0391% | 1,437 |
| Noninterest expense to average assets | 2.9637% | 3,410 |
| Loan and lease loss provision to assets | 0.3721% | 1,760 |
| Net operating income to assets | 1.0245% | 2,233 |
| Return on assets (ROA) | 1.0305% | 2,412 |
| Pretax return on assets | 1.4890% | 1,708 |
| Return on Equity (ROE) | 9.9752% | 2,178 |
| Retained earnings to average equity (ytd only) | 5.6523% | 2,282 |
| Net charge-offs to loans | 0.4422% | 2,466 |
| Credit loss provision to net charge-offs | 115.8445% | 2,494 |
| Earnings coverage of net charge-offs (x) | 5.7668% | 2,956 |
| Efficiency ratio | 61.2463% | 5,347 |
| Assets per employee ($millions) | 4.1277% | 3,693 |
| Cash dividends to net income (ytd only)* | 43.3364% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 1,991 |
| Loan loss allowance to noncurrent loans | 122.6672% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 3,580 |
| Noncurrent loans to loans | 1.6380% | 3,163 |
| Net loans and leases to total assets | 68.8274% | 2,062 |
| Net loans and leases to deposits | 85.2460% | 1,610 |
| Net loans and leases to core deposits | 88.8002% | 1,993 |
| Total domestic deposits to total assets | 80.7398% | 5,472 |
| Equity capital to assets | 10.4303% | 3,614 |
| Core capital (leverage) ratio | 9.3727% | 4,293 |
| Tier 1 risk-based capital ratio | 12.4175% | 5,532 |
| Total risk-based capital ratio | 13.6760% | 5,480 |
| Memoranda: | ||
| Average total assets | $208,255,600 | 2,947 |
| Average earning assets | $191,486,800 | 2,935 |
| Average equity | $21,513,400 | 3,040 |
| Average total loans | $151,285,200 | 2,556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,907 |
| Cost of funding earning assets | 0.7922% | 3,011 |
| Net interest margin | 4.1365% | 1,949 |
| Noninterest income to average assets | 0.9469% | 1,681 |
| Noninterest expense to average assets | 2.8574% | 3,763 |
| Loan and lease loss provision to assets | 0.4333% | 1,462 |
| Net operating income to assets | 1.0242% | 2,392 |
| Return on assets (ROA) | 1.0323% | 2,576 |
| Pretax return on assets | 1.4791% | 1,960 |
| Return on Equity (ROE) | 10.0173% | 2,340 |
| Retained earnings to average equity (ytd only) | 7.2139% | 2,002 |
| Net charge-offs to loans | 0.5232% | 2,046 |
| Credit loss provision to net charge-offs | 113.0653% | 2,585 |
| Earnings coverage of net charge-offs (x) | 4.9598% | 3,152 |
| Efficiency ratio | 59.7679% | 5,534 |
| Assets per employee ($millions) | 3.9032% | 4,079 |
| Cash dividends to net income (ytd only)* | 27.9853% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 2,347 |
| Loan loss allowance to noncurrent loans | 127.9565% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 3,530 |
| Noncurrent loans to loans | 1.5194% | 3,505 |
| Net loans and leases to total assets | 73.1326% | 1,369 |
| Net loans and leases to deposits | 91.5463% | 1,014 |
| Net loans and leases to core deposits | 96.0502% | 1,410 |
| Total domestic deposits to total assets | 79.8859% | 5,683 |
| Equity capital to assets | 10.8308% | 3,466 |
| Core capital (leverage) ratio | 9.3793% | 4,462 |
| Tier 1 risk-based capital ratio | 12.4022% | 5,700 |
| Total risk-based capital ratio | 13.6608% | 5,669 |
| Memoranda: | ||
| Average total assets | $207,691,500 | 2,990 |
| Average earning assets | $191,366,750 | 2,971 |
| Average equity | $21,402,500 | 3,079 |
| Average total loans | $152,141,250 | 2,574 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 2,039 |
| Cost of funding earning assets | 0.8305% | 2,943 |
| Net interest margin | 4.0860% | 2,148 |
| Noninterest income to average assets | 0.8840% | 1,844 |
| Noninterest expense to average assets | 2.8299% | 3,905 |
| Loan and lease loss provision to assets | 0.4301% | 1,517 |
| Net operating income to assets | 0.9806% | 2,541 |
| Return on assets (ROA) | 0.9806% | 2,784 |
| Pretax return on assets | 1.3858% | 2,254 |
| Return on Equity (ROE) | 9.6751% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.2606% | 1,547 |
| Net charge-offs to loans | 0.2874% | 2,885 |
| Credit loss provision to net charge-offs | 205.4795% | 1,384 |
| Earnings coverage of net charge-offs (x) | 8.6758% | 2,258 |
| Efficiency ratio | 60.6254% | 5,482 |
| Assets per employee ($millions) | 4.2703% | 3,313 |
| Cash dividends to net income (ytd only)* | 14.6199% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0186% | 2,183 |
| Loan loss allowance to noncurrent loans | 121.7460% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 3,494 |
| Noncurrent loans to loans | 1.6580% | 3,412 |
| Net loans and leases to total assets | 71.8180% | 1,588 |
| Net loans and leases to deposits | 88.7611% | 1,284 |
| Net loans and leases to core deposits | 92.7722% | 1,707 |
| Total domestic deposits to total assets | 80.9116% | 5,498 |
| Equity capital to assets | 10.3414% | 3,895 |
| Core capital (leverage) ratio | 9.2009% | 4,610 |
| Tier 1 risk-based capital ratio | 12.1238% | 5,852 |
| Total risk-based capital ratio | 13.3831% | 5,820 |
| Memoranda: | ||
| Average total assets | $209,266,330 | 2,974 |
| Average earning assets | $192,659,000 | 2,965 |
| Average equity | $21,209,000 | 3,090 |
| Average total loans | $152,395,670 | 2,577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 2,236 |
| Cost of funding earning assets | 0.8722% | 2,896 |
| Net interest margin | 4.0296% | 2,373 |
| Noninterest income to average assets | 0.8601% | 1,906 |
| Noninterest expense to average assets | 2.7523% | 4,231 |
| Loan and lease loss provision to assets | 0.4301% | 1,459 |
| Net operating income to assets | 0.9805% | 2,555 |
| Return on assets (ROA) | 0.9805% | 2,759 |
| Pretax return on assets | 1.3953% | 2,206 |
| Return on Equity (ROE) | 9.7742% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.7742% | 1,329 |
| Net charge-offs to loans | 0.3765% | 2,176 |
| Credit loss provision to net charge-offs | 157.3427% | 1,610 |
| Earnings coverage of net charge-offs (x) | 6.6783% | 2,168 |
| Efficiency ratio | 59.8330% | 5,641 |
| Assets per employee ($millions) | 4.4302% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 2,532 |
| Loan loss allowance to noncurrent loans | 82.8274% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 2,911 |
| Noncurrent loans to loans | 2.3509% | 2,747 |
| Net loans and leases to total assets | 71.2693% | 1,523 |
| Net loans and leases to deposits | 87.6564% | 1,211 |
| Net loans and leases to core deposits | 91.8645% | 1,664 |
| Total domestic deposits to total assets | 81.3054% | 5,522 |
| Equity capital to assets | 10.1878% | 3,866 |
| Core capital (leverage) ratio | 8.9847% | 4,862 |
| Tier 1 risk-based capital ratio | 11.9826% | 5,973 |
| Total risk-based capital ratio | 13.2413% | 5,956 |
| Memoranda: | ||
| Average total assets | $209,276,000 | 2,994 |
| Average earning assets | $193,071,000 | 2,985 |
| Average equity | $20,994,000 | 3,107 |
| Average total loans | $151,907,000 | 2,602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 2,250 |
| Cost of funding earning assets | 1.0476% | 3,038 |
| Net interest margin | 4.1030% | 2,415 |
| Noninterest income to average assets | 0.7703% | 2,226 |
| Noninterest expense to average assets | 2.7015% | 4,742 |
| Loan and lease loss provision to assets | 0.5649% | 1,847 |
| Net operating income to assets | 0.9147% | 2,543 |
| Return on assets (ROA) | 0.9158% | 2,659 |
| Pretax return on assets | 1.2802% | 2,203 |
| Return on Equity (ROE) | 9.2539% | 2,343 |
| Retained earnings to average equity (ytd only) | 6.4252% | 1,790 |
| Net charge-offs to loans | 0.4469% | 3,200 |
| Credit loss provision to net charge-offs | 170.6949% | 1,573 |
| Earnings coverage of net charge-offs (x) | 5.5710% | 2,749 |
| Efficiency ratio | 59.1179% | 5,884 |
| Assets per employee ($millions) | 4.4751% | 2,959 |
| Cash dividends to net income (ytd only)* | 30.5677% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,633 |
| Loan loss allowance to noncurrent loans | 79.7828% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9850% | 2,989 |
| Noncurrent loans to loans | 2.3552% | 2,786 |
| Net loans and leases to total assets | 71.1280% | 1,799 |
| Net loans and leases to deposits | 85.7478% | 1,698 |
| Net loans and leases to core deposits | 89.7278% | 2,160 |
| Total domestic deposits to total assets | 82.9503% | 4,769 |
| Equity capital to assets | 9.8772% | 4,333 |
| Core capital (leverage) ratio | 8.6939% | 5,259 |
| Tier 1 risk-based capital ratio | 11.4851% | 6,166 |
| Total risk-based capital ratio | 12.7427% | 6,153 |
| Memoranda: | ||
| Average total assets | $200,039,400 | 3,057 |
| Average earning assets | $184,034,200 | 3,039 |
| Average equity | $19,797,000 | 3,182 |
| Average total loans | $148,133,200 | 2,669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 2,347 |
| Cost of funding earning assets | 1.0836% | 3,085 |
| Net interest margin | 4.0758% | 2,573 |
| Noninterest income to average assets | 0.8136% | 1,987 |
| Noninterest expense to average assets | 2.7839% | 4,405 |
| Loan and lease loss provision to assets | 0.5672% | 1,730 |
| Net operating income to assets | 0.8624% | 2,900 |
| Return on assets (ROA) | 0.8629% | 3,048 |
| Pretax return on assets | 1.2120% | 2,590 |
| Return on Equity (ROE) | 8.7148% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.9418% | 1,999 |
| Net charge-offs to loans | 0.4760% | 2,832 |
| Credit loss provision to net charge-offs | 160.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 5.0172% | 2,897 |
| Efficiency ratio | 60.7074% | 5,606 |
| Assets per employee ($millions) | 4.5858% | 2,778 |
| Cash dividends to net income (ytd only)* | 20.3444% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 3,085 |
| Loan loss allowance to noncurrent loans | 75.4381% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 2.1966% | 2,896 |
| Noncurrent loans to loans | 2.3271% | 2,980 |
| Net loans and leases to total assets | 73.5456% | 1,404 |
| Net loans and leases to deposits | 92.8575% | 928 |
| Net loans and leases to core deposits | 97.4916% | 1,470 |
| Total domestic deposits to total assets | 79.2027% | 5,946 |
| Equity capital to assets | 9.8903% | 4,493 |
| Core capital (leverage) ratio | 8.7909% | 5,280 |
| Tier 1 risk-based capital ratio | 11.2182% | 6,416 |
| Total risk-based capital ratio | 12.4740% | 6,396 |
| Memoranda: | ||
| Average total assets | $197,466,250 | 3,102 |
| Average earning assets | $181,619,750 | 3,088 |
| Average equity | $19,552,500 | 3,212 |
| Average total loans | $147,049,000 | 2,704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1493% | 2,467 |
| Cost of funding earning assets | 1.1238% | 3,078 |
| Net interest margin | 4.0255% | 2,710 |
| Noninterest income to average assets | 0.8206% | 1,929 |
| Noninterest expense to average assets | 2.8339% | 4,297 |
| Loan and lease loss provision to assets | 0.6170% | 1,548 |
| Net operating income to assets | 0.7818% | 3,152 |
| Return on assets (ROA) | 0.7825% | 3,271 |
| Pretax return on assets | 1.0725% | 2,958 |
| Return on Equity (ROE) | 7.8997% | 2,983 |
| Retained earnings to average equity (ytd only) | 6.2388% | 2,270 |
| Net charge-offs to loans | 0.7277% | 2,054 |
| Credit loss provision to net charge-offs | 114.0684% | 2,684 |
| Earnings coverage of net charge-offs (x) | 3.1217% | 3,295 |
| Efficiency ratio | 62.3465% | 5,533 |
| Assets per employee ($millions) | 4.3053% | 3,160 |
| Cash dividends to net income (ytd only)* | 21.0250% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 3,489 |
| Loan loss allowance to noncurrent loans | 74.1297% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.9996% | 3,234 |
| Noncurrent loans to loans | 2.2273% | 3,193 |
| Net loans and leases to total assets | 74.2901% | 1,361 |
| Net loans and leases to deposits | 92.4345% | 1,007 |
| Net loans and leases to core deposits | 97.0028% | 1,581 |
| Total domestic deposits to total assets | 80.3705% | 5,721 |
| Equity capital to assets | 9.9983% | 4,157 |
| Core capital (leverage) ratio | 8.8986% | 4,880 |
| Tier 1 risk-based capital ratio | 11.2762% | 6,335 |
| Total risk-based capital ratio | 12.5309% | 6,329 |
| Memoranda: | ||
| Average total assets | $194,500,670 | 3,159 |
| Average earning assets | $178,857,670 | 3,149 |
| Average equity | $19,266,670 | 3,234 |
| Average total loans | $144,571,000 | 2,768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 2,494 |
| Cost of funding earning assets | 1.1646% | 3,057 |
| Net interest margin | 3.9710% | 2,818 |
| Noninterest income to average assets | 0.8509% | 1,851 |
| Noninterest expense to average assets | 2.8994% | 4,059 |
| Loan and lease loss provision to assets | 0.6226% | 1,387 |
| Net operating income to assets | 0.7311% | 3,374 |
| Return on assets (ROA) | 0.7326% | 3,427 |
| Pretax return on assets | 0.9755% | 3,220 |
| Return on Equity (ROE) | 7.4318% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.4318% | 1,970 |
| Net charge-offs to loans | 0.4139% | 2,448 |
| Credit loss provision to net charge-offs | 204.0816% | 1,453 |
| Earnings coverage of net charge-offs (x) | 5.2313% | 2,311 |
| Efficiency ratio | 64.1736% | 5,335 |
| Assets per employee ($millions) | 4.0032% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 3,007 |
| Loan loss allowance to noncurrent loans | 80.8754% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 3,357 |
| Noncurrent loans to loans | 2.2275% | 3,285 |
| Net loans and leases to total assets | 72.3391% | 1,647 |
| Net loans and leases to deposits | 87.2026% | 1,564 |
| Net loans and leases to core deposits | 92.2198% | 2,102 |
| Total domestic deposits to total assets | 82.9552% | 4,953 |
| Equity capital to assets | 10.0093% | 3,760 |
| Core capital (leverage) ratio | 8.9510% | 4,689 |
| Tier 1 risk-based capital ratio | 11.5679% | 6,051 |
| Total risk-based capital ratio | 12.8242% | 6,033 |
| Memoranda: | ||
| Average total assets | $192,729,000 | 3,209 |
| Average earning assets | $176,883,000 | 3,196 |
| Average equity | $18,999,500 | 3,257 |
| Average total loans | $142,058,000 | 2,843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 1,974 |
| Cost of funding earning assets | 1.6183% | 1,961 |
| Net interest margin | 3.9630% | 3,192 |
| Noninterest income to average assets | 0.9619% | 1,636 |
| Noninterest expense to average assets | 3.0209% | 3,766 |
| Loan and lease loss provision to assets | 0.6271% | 2,620 |
| Net operating income to assets | 0.7275% | 3,114 |
| Return on assets (ROA) | 0.7267% | 3,244 |
| Pretax return on assets | 0.9485% | 3,108 |
| Return on Equity (ROE) | 7.1831% | 3,034 |
| Retained earnings to average equity (ytd only) | 3.9108% | 3,122 |
| Net charge-offs to loans | 0.7160% | 2,870 |
| Credit loss provision to net charge-offs | 116.6166% | 3,681 |
| Earnings coverage of net charge-offs (x) | 2.9319% | 3,607 |
| Efficiency ratio | 65.3671% | 5,093 |
| Assets per employee ($millions) | 4.0272% | 3,727 |
| Cash dividends to net income (ytd only)* | 45.5556% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 3,288 |
| Loan loss allowance to noncurrent loans | 121.8607% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4283% | 4,200 |
| Noncurrent loans to loans | 1.3797% | 4,416 |
| Net loans and leases to total assets | 72.5109% | 1,979 |
| Net loans and leases to deposits | 86.0666% | 2,082 |
| Net loans and leases to core deposits | 90.9361% | 2,629 |
| Total domestic deposits to total assets | 84.2498% | 4,245 |
| Equity capital to assets | 9.7079% | 4,116 |
| Core capital (leverage) ratio | 8.6112% | 5,176 |
| Tier 1 risk-based capital ratio | 11.1865% | 6,188 |
| Total risk-based capital ratio | 12.4412% | 6,163 |
| Memoranda: | ||
| Average total assets | $185,771,200 | 3,286 |
| Average earning assets | $170,424,600 | 3,273 |
| Average equity | $18,794,000 | 3,305 |
| Average total loans | $139,522,200 | 2,958 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5938% | 2,086 |
| Cost of funding earning assets | 1.7053% | 1,851 |
| Net interest margin | 3.8885% | 3,579 |
| Noninterest income to average assets | 0.8911% | 1,829 |
| Noninterest expense to average assets | 3.0141% | 3,691 |
| Loan and lease loss provision to assets | 0.3553% | 3,773 |
| Net operating income to assets | 0.8081% | 2,965 |
| Return on assets (ROA) | 0.8070% | 3,119 |
| Pretax return on assets | 1.0898% | 2,857 |
| Return on Equity (ROE) | 7.8930% | 2,959 |
| Retained earnings to average equity (ytd only) | 6.6874% | 1,991 |
| Net charge-offs to loans | 0.3104% | 4,098 |
| Credit loss provision to net charge-offs | 151.7028% | 2,562 |
| Earnings coverage of net charge-offs (x) | 6.1764% | 2,580 |
| Efficiency ratio | 67.2302% | 4,615 |
| Assets per employee ($millions) | 3.9332% | 3,971 |
| Cash dividends to net income (ytd only)* | 15.2740% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 3,302 |
| Loan loss allowance to noncurrent loans | 67.6164% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.0298% | 3,429 |
| Noncurrent loans to loans | 2.4548% | 3,172 |
| Net loans and leases to total assets | 73.6884% | 1,865 |
| Net loans and leases to deposits | 88.6542% | 1,918 |
| Net loans and leases to core deposits | 94.0703% | 2,517 |
| Total domestic deposits to total assets | 83.1190% | 4,541 |
| Equity capital to assets | 10.0864% | 4,047 |
| Core capital (leverage) ratio | 8.9118% | 4,833 |
| Tier 1 risk-based capital ratio | 11.3343% | 6,068 |
| Total risk-based capital ratio | 12.5894% | 6,060 |
| Memoranda: | ||
| Average total assets | $183,887,500 | 3,362 |
| Average earning assets | $168,802,250 | 3,347 |
| Average equity | $18,801,000 | 3,347 |
| Average total loans | $138,761,500 | 3,009 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5952% | 2,154 |
| Cost of funding earning assets | 1.7618% | 1,810 |
| Net interest margin | 3.8334% | 3,743 |
| Noninterest income to average assets | 0.8080% | 2,078 |
| Noninterest expense to average assets | 3.0496% | 3,524 |
| Loan and lease loss provision to assets | 0.2929% | 4,041 |
| Net operating income to assets | 0.7500% | 3,198 |
| Return on assets (ROA) | 0.7483% | 3,356 |
| Pretax return on assets | 0.9771% | 3,213 |
| Return on Equity (ROE) | 7.2841% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,643 |
| Net charge-offs to loans | 0.2747% | 3,966 |
| Credit loss provision to net charge-offs | 140.9574% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.1223% | 2,519 |
| Efficiency ratio | 70.2046% | 4,151 |
| Assets per employee ($millions) | 3.8821% | 4,028 |
| Cash dividends to net income (ytd only)* | 25.1108% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,306 |
| Loan loss allowance to noncurrent loans | 140.9896% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 4,750 |
| Noncurrent loans to loans | 1.1601% | 5,020 |
| Net loans and leases to total assets | 72.9675% | 2,176 |
| Net loans and leases to deposits | 88.0907% | 2,157 |
| Net loans and leases to core deposits | 93.9266% | 2,726 |
| Total domestic deposits to total assets | 82.8323% | 4,639 |
| Equity capital to assets | 9.9026% | 4,134 |
| Core capital (leverage) ratio | 8.9740% | 4,643 |
| Tier 1 risk-based capital ratio | 11.1422% | 6,103 |
| Total risk-based capital ratio | 12.3968% | 6,085 |
| Memoranda: | ||
| Average total assets | $180,941,670 | 3,433 |
| Average earning assets | $165,857,000 | 3,411 |
| Average equity | $18,588,330 | 3,362 |
| Average total loans | $136,877,670 | 3,071 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 1,975 |
| Cost of funding earning assets | 1.8048% | 1,852 |
| Net interest margin | 3.8401% | 3,623 |
| Noninterest income to average assets | 0.7669% | 2,192 |
| Noninterest expense to average assets | 3.0788% | 3,351 |
| Loan and lease loss provision to assets | 0.2723% | 3,848 |
| Net operating income to assets | 0.7260% | 3,329 |
| Return on assets (ROA) | 0.7260% | 3,438 |
| Pretax return on assets | 0.9302% | 3,346 |
| Return on Equity (ROE) | 6.9324% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.9324% | 2,164 |
| Net charge-offs to loans | 0.3117% | 3,171 |
| Credit loss provision to net charge-offs | 114.2857% | 3,041 |
| Earnings coverage of net charge-offs (x) | 5.0476% | 2,482 |
| Efficiency ratio | 71.5421% | 4,011 |
| Assets per employee ($millions) | 3.6809% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 3,194 |
| Loan loss allowance to noncurrent loans | 123.6784% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 4,789 |
| Noncurrent loans to loans | 1.3468% | 4,726 |
| Net loans and leases to total assets | 75.0437% | 1,732 |
| Net loans and leases to deposits | 91.7172% | 1,650 |
| Net loans and leases to core deposits | 99.3675% | 2,196 |
| Total domestic deposits to total assets | 81.8208% | 5,147 |
| Equity capital to assets | 10.5317% | 3,216 |
| Core capital (leverage) ratio | 9.2783% | 4,089 |
| Tier 1 risk-based capital ratio | 11.5524% | 5,629 |
| Total risk-based capital ratio | 12.8074% | 5,597 |
| Memoranda: | ||
| Average total assets | $176,301,000 | 3,556 |
| Average earning assets | $161,351,000 | 3,538 |
| Average equity | $18,464,000 | 3,406 |
| Average total loans | $134,762,000 | 3,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 2,239 |
| Cost of funding earning assets | 2.0798% | 2,569 |
| Net interest margin | 3.8196% | 3,623 |
| Noninterest income to average assets | 1.0325% | 1,460 |
| Noninterest expense to average assets | 2.8590% | 4,704 |
| Loan and lease loss provision to assets | 0.3947% | 4,428 |
| Net operating income to assets | 0.9713% | 1,936 |
| Return on assets (ROA) | 0.9930% | 1,910 |
| Pretax return on assets | 1.3157% | 1,654 |
| Return on Equity (ROE) | 9.6703% | 1,786 |
| Retained earnings to average equity (ytd only) | 8.2573% | 638 |
| Net charge-offs to loans | 0.1075% | 6,073 |
| Credit loss provision to net charge-offs | 485.7143% | 631 |
| Earnings coverage of net charge-offs (x) | 20.6929% | 1,030 |
| Efficiency ratio | 62.6103% | 6,038 |
| Assets per employee ($millions) | 3.9093% | 4,003 |
| Cash dividends to net income (ytd only)* | 14.6113% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 3,062 |
| Loan loss allowance to noncurrent loans | 107.3112% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 4,735 |
| Noncurrent loans to loans | 1.5436% | 4,338 |
| Net loans and leases to total assets | 75.2946% | 1,966 |
| Net loans and leases to deposits | 91.5757% | 1,950 |
| Net loans and leases to core deposits | 113.1242% | 2,584 |
| Total domestic deposits to total assets | 82.2212% | 4,855 |
| Equity capital to assets | 10.4140% | 3,267 |
| Core capital (leverage) ratio | 9.2425% | 4,066 |
| Tier 1 risk-based capital ratio | 11.3728% | 5,541 |
| Total risk-based capital ratio | 12.6277% | 5,490 |
| Memoranda: | ||
| Average total assets | $172,300,600 | 3,570 |
| Average earning assets | $158,237,000 | 3,551 |
| Average equity | $17,693,400 | 3,552 |
| Average total loans | $130,230,800 | 3,264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9437% | 2,258 |
| Cost of funding earning assets | 2.1492% | 2,652 |
| Net interest margin | 3.7945% | 3,681 |
| Noninterest income to average assets | 1.1031% | 1,300 |
| Noninterest expense to average assets | 2.8876% | 4,512 |
| Loan and lease loss provision to assets | 0.2956% | 4,611 |
| Net operating income to assets | 1.0497% | 1,902 |
| Return on assets (ROA) | 1.0751% | 1,866 |
| Pretax return on assets | 1.4453% | 1,581 |
| Return on Equity (ROE) | 10.5072% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.7469% | 681 |
| Net charge-offs to loans | 0.1404% | 5,302 |
| Credit loss provision to net charge-offs | 279.4118% | 1,506 |
| Earnings coverage of net charge-offs (x) | 16.1322% | 1,487 |
| Efficiency ratio | 62.4958% | 6,020 |
| Assets per employee ($millions) | 3.8138% | 4,162 |
| Cash dividends to net income (ytd only)* | 7.2359% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 3,545 |
| Loan loss allowance to noncurrent loans | 117.8441% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 5,091 |
| Noncurrent loans to loans | 1.2564% | 4,843 |
| Net loans and leases to total assets | 75.0230% | 2,241 |
| Net loans and leases to deposits | 92.7530% | 2,107 |
| Net loans and leases to core deposits | 115.3273% | 2,687 |
| Total domestic deposits to total assets | 80.8847% | 5,127 |
| Equity capital to assets | 10.6770% | 3,318 |
| Core capital (leverage) ratio | 9.1694% | 4,380 |
| Tier 1 risk-based capital ratio | 11.5355% | 5,396 |
| Total risk-based capital ratio | 12.7877% | 5,350 |
| Memoranda: | ||
| Average total assets | $171,396,500 | 3,604 |
| Average earning assets | $157,698,750 | 3,584 |
| Average equity | $17,536,750 | 3,607 |
| Average total loans | $129,116,750 | 3,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0046% | 2,166 |
| Cost of funding earning assets | 2.1816% | 2,874 |
| Net interest margin | 3.8229% | 3,445 |
| Noninterest income to average assets | 1.1954% | 1,097 |
| Noninterest expense to average assets | 2.8870% | 4,549 |
| Loan and lease loss provision to assets | 0.2101% | 4,944 |
| Net operating income to assets | 1.1543% | 1,597 |
| Return on assets (ROA) | 1.1907% | 1,587 |
| Pretax return on assets | 1.6682% | 1,077 |
| Return on Equity (ROE) | 11.8094% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.8094% | 473 |
| Net charge-offs to loans | 0.0093% | 6,437 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 260.8333% | 152 |
| Efficiency ratio | 60.8965% | 6,414 |
| Assets per employee ($millions) | 3.9009% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 3,464 |
| Loan loss allowance to noncurrent loans | 106.9994% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 4,941 |
| Noncurrent loans to loans | 1.3553% | 4,501 |
| Net loans and leases to total assets | 73.8416% | 2,749 |
| Net loans and leases to deposits | 90.6588% | 2,724 |
| Net loans and leases to core deposits | 112.2983% | 3,100 |
| Total domestic deposits to total assets | 81.4500% | 4,915 |
| Equity capital to assets | 10.3496% | 3,565 |
| Core capital (leverage) ratio | 9.0925% | 4,482 |
| Tier 1 risk-based capital ratio | 11.5642% | 5,318 |
| Total risk-based capital ratio | 12.8021% | 5,261 |
| Memoranda: | ||
| Average total assets | $171,321,330 | 3,614 |
| Average earning assets | $157,679,670 | 3,604 |
| Average equity | $17,274,330 | 3,668 |
| Average total loans | $128,592,000 | 3,363 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1214% | 1,862 |
| Cost of funding earning assets | 2.2149% | 3,094 |
| Net interest margin | 3.9065% | 3,022 |
| Noninterest income to average assets | 1.2853% | 864 |
| Noninterest expense to average assets | 2.9936% | 3,797 |
| Loan and lease loss provision to assets | 0.1402% | 5,154 |
| Net operating income to assets | 1.2133% | 1,619 |
| Return on assets (ROA) | 1.2853% | 1,518 |
| Pretax return on assets | 1.8485% | 894 |
| Return on Equity (ROE) | 12.9188% | 1,412 |
| Retained earnings to average equity (ytd only) | 12.9188% | 654 |
| Net charge-offs to loans | 0.0156% | 5,364 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 161.4000% | 270 |
| Efficiency ratio | 61.0153% | 6,249 |
| Assets per employee ($millions) | 4.0356% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,655 |
| Loan loss allowance to noncurrent loans | 99.8856% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 4,633 |
| Noncurrent loans to loans | 1.3741% | 4,256 |
| Net loans and leases to total assets | 74.0221% | 2,749 |
| Net loans and leases to deposits | 91.6263% | 2,666 |
| Net loans and leases to core deposits | 112.6411% | 3,152 |
| Total domestic deposits to total assets | 80.7869% | 5,048 |
| Equity capital to assets | 10.2222% | 3,744 |
| Core capital (leverage) ratio | 8.7572% | 5,053 |
| Tier 1 risk-based capital ratio | 11.3072% | 5,589 |
| Total risk-based capital ratio | 12.5562% | 5,505 |
| Memoranda: | ||
| Average total assets | $171,162,500 | 3,629 |
| Average earning assets | $157,479,500 | 3,622 |
| Average equity | $17,029,500 | 3,730 |
| Average total loans | $128,585,000 | 3,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9541% | 5,788 |
| Cost of funding earning assets | 2.6407% | 3,481 |
| Net interest margin | 3.3134% | 5,989 |
| Noninterest income to average assets | 0.8521% | 2,214 |
| Noninterest expense to average assets | 2.4868% | 6,062 |
| Loan and lease loss provision to assets | 0.1929% | 4,957 |
| Net operating income to assets | 0.9211% | 2,910 |
| Return on assets (ROA) | 0.9176% | 2,775 |
| Pretax return on assets | 1.2279% | 2,554 |
| Return on Equity (ROE) | 9.3163% | 2,518 |
| Retained earnings to average equity (ytd only) | -4.9252% | 6,499 |
| Net charge-offs to loans | 0.0550% | 5,994 |
| Credit loss provision to net charge-offs | 471.4286% | 935 |
| Earnings coverage of net charge-offs (x) | 34.8429% | 1,042 |
| Efficiency ratio | 63.2805% | 5,714 |
| Assets per employee ($millions) | 4.1150% | 3,281 |
| Cash dividends to net income (ytd only)* | 152.8662% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 3,772 |
| Loan loss allowance to noncurrent loans | 113.1861% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 4,687 |
| Noncurrent loans to loans | 1.1496% | 4,239 |
| Net loans and leases to total assets | 74.2170% | 3,052 |
| Net loans and leases to deposits | 91.9077% | 3,151 |
| Net loans and leases to core deposits | 114.2371% | 3,312 |
| Total domestic deposits to total assets | 80.7517% | 4,749 |
| Equity capital to assets | 9.6817% | 4,451 |
| Core capital (leverage) ratio | 8.4435% | 5,672 |
| Tier 1 risk-based capital ratio | 10.6781% | 6,020 |
| Total risk-based capital ratio | 11.9263% | 5,934 |
| Memoranda: | ||
| Average total assets | $171,102,400 | 3,539 |
| Average earning assets | $158,024,800 | 3,508 |
| Average equity | $16,852,200 | 3,764 |
| Average total loans | $127,220,400 | 3,314 |