Home > American Community Bank of Indiana > Performance and Condition Ratios
American Community Bank of Indiana, Performance and Condition Ratios
| 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 | 5.3540% | 1,012 |
| Cost of funding earning assets | 1.8222% | 708 |
| Net interest margin | 3.5318% | 2,199 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.4975% | 2,215 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8985% | 2,757 |
| Return on assets (ROA) | 0.8985% | 2,745 |
| Pretax return on assets | 1.2037% | 2,348 |
| Return on Equity (ROE) | 10.3000% | 2,626 |
| Retained earnings to average equity (ytd only) | 10.3042% | 1,331 |
| Net charge-offs to loans | -0.0317% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3645% | 2,187 |
| Assets per employee ($millions) | 7.4618% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 2,928 |
| Loan loss allowance to noncurrent loans | 190.8189% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 1,130 |
| Noncurrent loans to loans | 0.5805% | 1,287 |
| Net loans and leases to total assets | 81.7800% | 448 |
| Net loans and leases to deposits | 93.2517% | 928 |
| Net loans and leases to core deposits | 100.7788% | 1,192 |
| Total domestic deposits to total assets | 87.7000% | 1,707 |
| Equity capital to assets | 8.6613% | 2,737 |
| Core capital (leverage) ratio | 9.3654% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3054% | 2,531 |
| Memoranda: | ||
| Average total assets | $328,332,000 | 2,283 |
| Average earning assets | $307,099,333 | 2,273 |
| Average equity | $28,629,000 | 2,327 |
| Average total loans | $271,369,667 | 1,906 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 820 |
| Cost of funding earning assets | 1.5711% | 736 |
| Net interest margin | 3.7366% | 1,812 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.5203% | 2,198 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.0882% | 2,266 |
| Return on assets (ROA) | 1.0882% | 2,233 |
| Pretax return on assets | 1.4506% | 1,768 |
| Return on Equity (ROE) | 12.3800% | 2,119 |
| Retained earnings to average equity (ytd only) | 12.3758% | 1,199 |
| Net charge-offs to loans | -0.0477% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6279% | 2,509 |
| Assets per employee ($millions) | 7.3740% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,089 |
| Loan loss allowance to noncurrent loans | 197.2630% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 1,098 |
| Noncurrent loans to loans | 0.5547% | 1,336 |
| Net loans and leases to total assets | 82.3200% | 339 |
| Net loans and leases to deposits | 94.1555% | 780 |
| Net loans and leases to core deposits | 100.1875% | 1,079 |
| Total domestic deposits to total assets | 87.4300% | 2,120 |
| Equity capital to assets | 8.9408% | 2,561 |
| Core capital (leverage) ratio | 9.2617% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2613% | 2,646 |
| Memoranda: | ||
| Average total assets | $324,562,500 | 2,338 |
| Average earning assets | $303,481,500 | 2,326 |
| Average equity | $28,539,500 | 2,358 |
| Average total loans | $268,216,000 | 1,934 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 1,002 |
| Cost of funding earning assets | 0.6057% | 882 |
| Net interest margin | 3.7266% | 1,315 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5115% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1153% | 2,101 |
| Return on assets (ROA) | 1.1153% | 2,039 |
| Pretax return on assets | 1.4520% | 1,606 |
| Return on Equity (ROE) | 12.8300% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.0442% | 1,132 |
| Net charge-offs to loans | -0.0411% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.4219% | 2,574 |
| Assets per employee ($millions) | 7.3788% | 1,699 |
| Cash dividends to net income (ytd only)* | 21.7267% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,400 |
| Loan loss allowance to noncurrent loans | 361.7687% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 2,015 |
| Noncurrent loans to loans | 0.2759% | 2,168 |
| Net loans and leases to total assets | 81.2300% | 477 |
| Net loans and leases to deposits | 89.4482% | 1,094 |
| Net loans and leases to core deposits | 92.9699% | 1,346 |
| Total domestic deposits to total assets | 90.8100% | 1,022 |
| Equity capital to assets | 8.6458% | 2,599 |
| Core capital (leverage) ratio | 9.1311% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1298% | 2,692 |
| Memoranda: | ||
| Average total assets | $313,634,400 | 2,384 |
| Average earning assets | $292,385,800 | 2,373 |
| Average equity | $27,259,400 | 2,464 |
| Average total loans | $243,455,800 | 1,980 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 1,110 |
| Cost of funding earning assets | 0.4509% | 977 |
| Net interest margin | 3.6250% | 1,336 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.4442% | 2,180 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9890% | 2,512 |
| Return on assets (ROA) | 0.9890% | 2,488 |
| Pretax return on assets | 1.3240% | 1,969 |
| Return on Equity (ROE) | 11.3600% | 2,248 |
| Retained earnings to average equity (ytd only) | 11.3635% | 953 |
| Net charge-offs to loans | -0.0460% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1996% | 2,514 |
| Assets per employee ($millions) | 7.2556% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,411 |
| Loan loss allowance to noncurrent loans | 390.7407% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 2,138 |
| Noncurrent loans to loans | 0.2592% | 2,338 |
| Net loans and leases to total assets | 83.9600% | 247 |
| Net loans and leases to deposits | 92.5932% | 730 |
| Net loans and leases to core deposits | 94.9555% | 1,046 |
| Total domestic deposits to total assets | 90.6800% | 1,373 |
| Equity capital to assets | 8.7049% | 2,403 |
| Core capital (leverage) ratio | 8.9234% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6557% | 2,908 |
| Memoranda: | ||
| Average total assets | $310,876,000 | 2,413 |
| Average earning assets | $289,463,250 | 2,406 |
| Average equity | $27,056,750 | 2,514 |
| Average total loans | $237,727,000 | 2,011 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 1,402 |
| Cost of funding earning assets | 0.3460% | 1,309 |
| Net interest margin | 3.4129% | 1,561 |
| Noninterest income to average assets | 0.3966% | 2,780 |
| Noninterest expense to average assets | 2.3766% | 2,312 |
| Loan and lease loss provision to assets | 0.0591% | 1,530 |
| Net operating income to assets | 0.8569% | 2,747 |
| Return on assets (ROA) | 0.8569% | 2,723 |
| Pretax return on assets | 1.1373% | 2,279 |
| Return on Equity (ROE) | 9.8462% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.8462% | 1,060 |
| Net charge-offs to loans | -0.0565% | 4,283 |
| Credit loss provision to net charge-offs | -142.1875% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5153% | 2,441 |
| Assets per employee ($millions) | 7.0869% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,190 |
| Loan loss allowance to noncurrent loans | 601.5453% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,743 |
| Noncurrent loans to loans | 0.1818% | 2,788 |
| Net loans and leases to total assets | 75.6134% | 767 |
| Net loans and leases to deposits | 84.3409% | 1,099 |
| Net loans and leases to core deposits | 86.4948% | 1,302 |
| Total domestic deposits to total assets | 89.6521% | 1,869 |
| Equity capital to assets | 8.3289% | 2,883 |
| Core capital (leverage) ratio | 8.9716% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0837% | 2,794 |
| Memoranda: | ||
| Average total assets | $308,086,333 | 2,442 |
| Average earning assets | $286,736,000 | 2,449 |
| Average equity | $26,812,333 | 2,594 |
| Average total loans | $226,706,000 | 2,071 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 1,352 |
| Cost of funding earning assets | 0.3427% | 1,267 |
| Net interest margin | 3.3244% | 1,514 |
| Noninterest income to average assets | 0.3517% | 2,990 |
| Noninterest expense to average assets | 2.3896% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7943% | 2,680 |
| Return on assets (ROA) | 0.7943% | 2,674 |
| Pretax return on assets | 1.0497% | 2,297 |
| Return on Equity (ROE) | 8.9181% | 2,347 |
| Retained earnings to average equity (ytd only) | 8.9181% | 1,288 |
| Net charge-offs to loans | -0.0316% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4790% | 2,303 |
| Assets per employee ($millions) | 7.2200% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,848 |
| Loan loss allowance to noncurrent loans | 283.9737% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 1,948 |
| Noncurrent loans to loans | 0.4234% | 1,970 |
| Net loans and leases to total assets | 68.4667% | 1,169 |
| Net loans and leases to deposits | 76.6775% | 1,389 |
| Net loans and leases to core deposits | 78.7399% | 1,564 |
| Total domestic deposits to total assets | 89.2918% | 1,929 |
| Equity capital to assets | 8.6117% | 3,064 |
| Core capital (leverage) ratio | 9.1596% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4257% | 2,434 |
| Memoranda: | ||
| Average total assets | $299,130,000 | 2,498 |
| Average earning assets | $277,828,000 | 2,511 |
| Average equity | $26,642,500 | 2,673 |
| Average total loans | $215,447,000 | 2,134 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 856 |
| Cost of funding earning assets | 0.4843% | 992 |
| Net interest margin | 3.8143% | 978 |
| Noninterest income to average assets | 1.2352% | 698 |
| Noninterest expense to average assets | 2.8270% | 1,295 |
| Loan and lease loss provision to assets | 0.0036% | 3,005 |
| Net operating income to assets | 1.4481% | 1,139 |
| Return on assets (ROA) | 1.4481% | 1,213 |
| Pretax return on assets | 1.9317% | 682 |
| Return on Equity (ROE) | 15.5739% | 826 |
| Retained earnings to average equity (ytd only) | 11.6520% | 587 |
| Net charge-offs to loans | -0.0408% | 4,231 |
| Credit loss provision to net charge-offs | -11.7647% | 3,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3614% | 3,245 |
| Assets per employee ($millions) | 6.5409% | 2,297 |
| Cash dividends to net income (ytd only)* | 25.1826% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,924 |
| Loan loss allowance to noncurrent loans | 271.9577% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 1,897 |
| Noncurrent loans to loans | 0.4380% | 2,042 |
| Net loans and leases to total assets | 74.0707% | 660 |
| Net loans and leases to deposits | 83.7362% | 921 |
| Net loans and leases to core deposits | 86.1891% | 1,192 |
| Total domestic deposits to total assets | 88.4572% | 1,808 |
| Equity capital to assets | 9.2249% | 3,394 |
| Core capital (leverage) ratio | 9.1862% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6205% | 2,403 |
| Memoranda: | ||
| Average total assets | $274,214,600 | 2,576 |
| Average earning assets | $253,568,800 | 2,593 |
| Average equity | $25,497,800 | 2,813 |
| Average total loans | $208,278,400 | 2,186 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 742 |
| Cost of funding earning assets | 0.5195% | 958 |
| Net interest margin | 3.9293% | 888 |
| Noninterest income to average assets | 1.2914% | 704 |
| Noninterest expense to average assets | 2.8358% | 1,257 |
| Loan and lease loss provision to assets | 0.0044% | 2,887 |
| Net operating income to assets | 1.5439% | 1,161 |
| Return on assets (ROA) | 1.5439% | 1,205 |
| Pretax return on assets | 2.0815% | 697 |
| Return on Equity (ROE) | 16.5692% | 835 |
| Retained earnings to average equity (ytd only) | 16.5692% | 262 |
| Net charge-offs to loans | -0.0446% | 4,294 |
| Credit loss provision to net charge-offs | -13.0435% | 3,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6173% | 3,333 |
| Assets per employee ($millions) | 6.7427% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,789 |
| Loan loss allowance to noncurrent loans | 568.5969% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,996 |
| Noncurrent loans to loans | 0.2183% | 3,075 |
| Net loans and leases to total assets | 73.4828% | 736 |
| Net loans and leases to deposits | 83.7825% | 972 |
| Net loans and leases to core deposits | 86.2959% | 1,273 |
| Total domestic deposits to total assets | 87.7067% | 2,004 |
| Equity capital to assets | 9.6856% | 3,202 |
| Core capital (leverage) ratio | 9.6792% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3962% | 2,206 |
| Memoranda: | ||
| Average total assets | $270,818,750 | 2,615 |
| Average earning assets | $250,219,000 | 2,641 |
| Average equity | $25,235,000 | 2,863 |
| Average total loans | $206,412,000 | 2,228 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 1,171 |
| Cost of funding earning assets | 0.5721% | 862 |
| Net interest margin | 3.6378% | 1,498 |
| Noninterest income to average assets | 1.5074% | 539 |
| Noninterest expense to average assets | 2.7181% | 1,541 |
| Loan and lease loss provision to assets | 0.0067% | 2,773 |
| Net operating income to assets | 1.5899% | 1,070 |
| Return on assets (ROA) | 1.5899% | 1,126 |
| Pretax return on assets | 2.1402% | 636 |
| Return on Equity (ROE) | 17.2968% | 742 |
| Retained earnings to average equity (ytd only) | 17.2968% | 259 |
| Net charge-offs to loans | -0.0252% | 4,081 |
| Credit loss provision to net charge-offs | -34.6154% | 2,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8698% | 3,559 |
| Assets per employee ($millions) | 6.0365% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,087 |
| Loan loss allowance to noncurrent loans | 613.6919% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 3,209 |
| Noncurrent loans to loans | 0.1911% | 3,273 |
| Net loans and leases to total assets | 77.8592% | 454 |
| Net loans and leases to deposits | 88.5837% | 745 |
| Net loans and leases to core deposits | 91.3780% | 1,047 |
| Total domestic deposits to total assets | 87.8933% | 1,889 |
| Equity capital to assets | 9.4996% | 3,329 |
| Core capital (leverage) ratio | 9.4675% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3204% | 2,242 |
| Memoranda: | ||
| Average total assets | $268,941,333 | 2,623 |
| Average earning assets | $248,226,333 | 2,642 |
| Average equity | $24,721,333 | 2,896 |
| Average total loans | $206,650,333 | 2,230 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 1,620 |
| Cost of funding earning assets | 0.6036% | 864 |
| Net interest margin | 3.3926% | 2,134 |
| Noninterest income to average assets | 1.4560% | 639 |
| Noninterest expense to average assets | 2.6787% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4231% | 1,516 |
| Return on assets (ROA) | 1.4231% | 1,588 |
| Pretax return on assets | 1.9029% | 1,111 |
| Return on Equity (ROE) | 15.7489% | 1,072 |
| Retained earnings to average equity (ytd only) | 15.7489% | 547 |
| Net charge-offs to loans | -0.0256% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4666% | 3,239 |
| Assets per employee ($millions) | 6.2062% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,125 |
| Loan loss allowance to noncurrent loans | 588.1797% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 1,909 |
| Noncurrent loans to loans | 0.1980% | 3,401 |
| Net loans and leases to total assets | 77.3200% | 515 |
| Net loans and leases to deposits | 89.3624% | 737 |
| Net loans and leases to core deposits | 93.1963% | 1,031 |
| Total domestic deposits to total assets | 86.5241% | 2,517 |
| Equity capital to assets | 9.0243% | 3,654 |
| Core capital (leverage) ratio | 9.1699% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2290% | 2,195 |
| Memoranda: | ||
| Average total assets | $267,590,500 | 2,612 |
| Average earning assets | $246,538,500 | 2,636 |
| Average equity | $24,179,500 | 2,915 |
| Average total loans | $202,971,000 | 2,261 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 1,534 |
| Cost of funding earning assets | 0.8489% | 1,023 |
| Net interest margin | 3.5678% | 2,253 |
| Noninterest income to average assets | 1.4400% | 577 |
| Noninterest expense to average assets | 2.9058% | 1,671 |
| Loan and lease loss provision to assets | 0.2182% | 1,796 |
| Net operating income to assets | 1.2064% | 1,533 |
| Return on assets (ROA) | 1.2064% | 1,641 |
| Pretax return on assets | 1.5877% | 1,102 |
| Return on Equity (ROE) | 13.5124% | 918 |
| Retained earnings to average equity (ytd only) | 12.3788% | 288 |
| Net charge-offs to loans | 0.1097% | 1,374 |
| Credit loss provision to net charge-offs | 251.8692% | 1,931 |
| Earnings coverage of net charge-offs (x) | 20.8458% | 1,923 |
| Efficiency ratio | 61.6720% | 3,194 |
| Assets per employee ($millions) | 5.9570% | 2,372 |
| Cash dividends to net income (ytd only)* | 8.3893% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,478 |
| Loan loss allowance to noncurrent loans | 252.8090% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 1,166 |
| Noncurrent loans to loans | 0.5091% | 2,443 |
| Net loans and leases to total assets | 72.4278% | 1,236 |
| Net loans and leases to deposits | 83.8382% | 1,478 |
| Net loans and leases to core deposits | 87.7511% | 1,718 |
| Total domestic deposits to total assets | 86.3900% | 2,190 |
| Equity capital to assets | 9.0482% | 4,014 |
| Core capital (leverage) ratio | 9.0891% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2823% | 2,127 |
| Memoranda: | ||
| Average total assets | $247,021,400 | 2,594 |
| Average earning assets | $226,524,400 | 2,624 |
| Average equity | $22,053,800 | 3,000 |
| Average total loans | $195,013,400 | 2,289 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,039 |
| Cost of funding earning assets | 0.9079% | 1,040 |
| Net interest margin | 3.4131% | 2,879 |
| Noninterest income to average assets | 1.0546% | 934 |
| Noninterest expense to average assets | 2.8119% | 1,939 |
| Loan and lease loss provision to assets | 0.2635% | 1,542 |
| Net operating income to assets | 0.8222% | 3,009 |
| Return on assets (ROA) | 0.8222% | 3,131 |
| Pretax return on assets | 1.1072% | 2,721 |
| Return on Equity (ROE) | 9.2427% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.2427% | 925 |
| Net charge-offs to loans | 0.1526% | 957 |
| Credit loss provision to net charge-offs | 214.7321% | 2,053 |
| Earnings coverage of net charge-offs (x) | 11.1652% | 2,314 |
| Efficiency ratio | 67.2258% | 2,285 |
| Assets per employee ($millions) | 6.1110% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,822 |
| Loan loss allowance to noncurrent loans | 238.7897% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 762 |
| Noncurrent loans to loans | 0.4911% | 2,592 |
| Net loans and leases to total assets | 79.0249% | 709 |
| Net loans and leases to deposits | 91.3585% | 1,122 |
| Net loans and leases to core deposits | 95.7119% | 1,483 |
| Total domestic deposits to total assets | 86.4997% | 1,861 |
| Equity capital to assets | 8.7637% | 4,278 |
| Core capital (leverage) ratio | 8.6854% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5603% | 2,385 |
| Memoranda: | ||
| Average total assets | $243,249,750 | 2,606 |
| Average earning assets | $222,936,250 | 2,630 |
| Average equity | $21,638,250 | 3,033 |
| Average total loans | $195,688,250 | 2,273 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 2,336 |
| Cost of funding earning assets | 0.9798% | 1,045 |
| Net interest margin | 3.3708% | 3,187 |
| Noninterest income to average assets | 0.9105% | 1,139 |
| Noninterest expense to average assets | 2.7247% | 2,307 |
| Loan and lease loss provision to assets | 0.2772% | 1,544 |
| Net operating income to assets | 0.7438% | 3,233 |
| Return on assets (ROA) | 0.7438% | 3,351 |
| Pretax return on assets | 0.9976% | 3,040 |
| Return on Equity (ROE) | 8.3172% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.3172% | 1,217 |
| Net charge-offs to loans | -0.0364% | 4,596 |
| Credit loss provision to net charge-offs | -945.7143% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1257% | 2,219 |
| Assets per employee ($millions) | 5.8959% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,333 |
| Loan loss allowance to noncurrent loans | 83.2286% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6105% | 547 |
| Noncurrent loans to loans | 1.4830% | 1,024 |
| Net loans and leases to total assets | 79.4115% | 671 |
| Net loans and leases to deposits | 91.6698% | 1,195 |
| Net loans and leases to core deposits | 95.4976% | 1,613 |
| Total domestic deposits to total assets | 86.6277% | 1,763 |
| Equity capital to assets | 8.6370% | 4,396 |
| Core capital (leverage) ratio | 8.7802% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2239% | 2,512 |
| Memoranda: | ||
| Average total assets | $238,779,333 | 2,614 |
| Average earning assets | $218,823,000 | 2,639 |
| Average equity | $21,353,333 | 3,043 |
| Average total loans | $192,506,667 | 2,278 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 2,306 |
| Cost of funding earning assets | 1.1197% | 992 |
| Net interest margin | 3.3818% | 3,353 |
| Noninterest income to average assets | 0.5462% | 2,300 |
| Noninterest expense to average assets | 2.8884% | 2,157 |
| Loan and lease loss provision to assets | 0.0519% | 3,128 |
| Net operating income to assets | 0.5186% | 3,846 |
| Return on assets (ROA) | 0.5186% | 3,904 |
| Pretax return on assets | 0.6966% | 3,693 |
| Return on Equity (ROE) | 5.6922% | 3,426 |
| Retained earnings to average equity (ytd only) | 5.6922% | 1,995 |
| Net charge-offs to loans | -0.0278% | 4,444 |
| Credit loss provision to net charge-offs | -230.7692% | 3,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4202% | 1,198 |
| Assets per employee ($millions) | 5.7172% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,900 |
| Loan loss allowance to noncurrent loans | 71.6901% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 537 |
| Noncurrent loans to loans | 1.6136% | 961 |
| Net loans and leases to total assets | 79.9398% | 703 |
| Net loans and leases to deposits | 93.0985% | 1,171 |
| Net loans and leases to core deposits | 97.7843% | 1,654 |
| Total domestic deposits to total assets | 85.8659% | 2,049 |
| Equity capital to assets | 9.0813% | 4,552 |
| Core capital (leverage) ratio | 9.1493% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8477% | 2,777 |
| Memoranda: | ||
| Average total assets | $231,406,500 | 2,612 |
| Average earning assets | $211,484,000 | 2,652 |
| Average equity | $21,081,500 | 3,065 |
| Average total loans | $186,838,000 | 2,292 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 2,155 |
| Cost of funding earning assets | 1.2501% | 887 |
| Net interest margin | 3.5131% | 3,409 |
| Noninterest income to average assets | 0.7323% | 1,696 |
| Noninterest expense to average assets | 2.9024% | 2,285 |
| Loan and lease loss provision to assets | 0.0981% | 2,091 |
| Net operating income to assets | 0.7158% | 3,822 |
| Return on assets (ROA) | 0.7158% | 3,882 |
| Pretax return on assets | 0.9290% | 3,651 |
| Return on Equity (ROE) | 7.8788% | 3,213 |
| Retained earnings to average equity (ytd only) | 5.4244% | 2,211 |
| Net charge-offs to loans | 0.0338% | 2,709 |
| Credit loss provision to net charge-offs | 360.6557% | 778 |
| Earnings coverage of net charge-offs (x) | 37.7541% | 1,368 |
| Efficiency ratio | 73.8622% | 1,620 |
| Assets per employee ($millions) | 5.7102% | 1,873 |
| Cash dividends to net income (ytd only)* | 31.1526% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,599 |
| Loan loss allowance to noncurrent loans | 63.9881% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.0043% | 391 |
| Noncurrent loans to loans | 1.8251% | 736 |
| Net loans and leases to total assets | 79.6601% | 832 |
| Net loans and leases to deposits | 93.0020% | 1,256 |
| Net loans and leases to core deposits | 98.2160% | 1,709 |
| Total domestic deposits to total assets | 85.6542% | 2,219 |
| Equity capital to assets | 9.1398% | 4,617 |
| Core capital (leverage) ratio | 9.2748% | 4,305 |
| Tier 1 risk-based capital ratio | 11.7764% | 4,482 |
| Total risk-based capital ratio | 12.9919% | 4,382 |
| Memoranda: | ||
| Average total assets | $224,227,600 | 2,625 |
| Average earning assets | $204,062,400 | 2,668 |
| Average equity | $20,371,000 | 3,100 |
| Average total loans | $180,626,800 | 2,306 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 2,109 |
| Cost of funding earning assets | 1.2691% | 869 |
| Net interest margin | 3.5335% | 3,459 |
| Noninterest income to average assets | 0.5538% | 2,442 |
| Noninterest expense to average assets | 2.8968% | 2,273 |
| Loan and lease loss provision to assets | 0.0418% | 3,065 |
| Net operating income to assets | 0.6129% | 4,264 |
| Return on assets (ROA) | 0.6129% | 4,310 |
| Pretax return on assets | 0.8286% | 4,054 |
| Return on Equity (ROE) | 6.7572% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.7572% | 1,976 |
| Net charge-offs to loans | 0.0504% | 2,108 |
| Credit loss provision to net charge-offs | 102.9412% | 2,192 |
| Earnings coverage of net charge-offs (x) | 21.4275% | 1,914 |
| Efficiency ratio | 76.8950% | 1,231 |
| Assets per employee ($millions) | 5.8111% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 2,982 |
| Loan loss allowance to noncurrent loans | 69.8074% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.7879% | 557 |
| Noncurrent loans to loans | 1.5887% | 928 |
| Net loans and leases to total assets | 78.4145% | 1,072 |
| Net loans and leases to deposits | 91.7669% | 1,467 |
| Net loans and leases to core deposits | 97.6912% | 1,845 |
| Total domestic deposits to total assets | 85.4497% | 2,236 |
| Equity capital to assets | 9.1809% | 4,676 |
| Core capital (leverage) ratio | 9.2506% | 4,426 |
| Tier 1 risk-based capital ratio | 11.9354% | 4,446 |
| Total risk-based capital ratio | 13.0816% | 4,385 |
| Memoranda: | ||
| Average total assets | $223,182,500 | 2,654 |
| Average earning assets | $202,968,750 | 2,701 |
| Average equity | $20,244,750 | 3,129 |
| Average total loans | $179,758,500 | 2,338 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 2,074 |
| Cost of funding earning assets | 1.2267% | 928 |
| Net interest margin | 3.5672% | 3,371 |
| Noninterest income to average assets | 0.4945% | 2,705 |
| Noninterest expense to average assets | 2.8753% | 2,342 |
| Loan and lease loss provision to assets | 0.0180% | 3,426 |
| Net operating income to assets | 0.6269% | 4,226 |
| Return on assets (ROA) | 0.6269% | 4,272 |
| Pretax return on assets | 0.8440% | 3,988 |
| Return on Equity (ROE) | 6.9401% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.9401% | 1,836 |
| Net charge-offs to loans | 0.0946% | 1,420 |
| Credit loss provision to net charge-offs | 23.5294% | 2,634 |
| Earnings coverage of net charge-offs (x) | 11.2588% | 2,214 |
| Efficiency ratio | 76.9342% | 1,274 |
| Assets per employee ($millions) | 5.5730% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,366 |
| Loan loss allowance to noncurrent loans | 205.5496% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 1,257 |
| Noncurrent loans to loans | 0.5082% | 2,756 |
| Net loans and leases to total assets | 81.8442% | 628 |
| Net loans and leases to deposits | 95.7335% | 1,067 |
| Net loans and leases to core deposits | 101.8921% | 1,565 |
| Total domestic deposits to total assets | 85.4917% | 2,267 |
| Equity capital to assets | 9.1854% | 4,666 |
| Core capital (leverage) ratio | 9.3902% | 4,258 |
| Tier 1 risk-based capital ratio | 11.4890% | 4,690 |
| Total risk-based capital ratio | 12.5725% | 4,670 |
| Memoranda: | ||
| Average total assets | $222,032,000 | 2,674 |
| Average earning assets | $201,837,670 | 2,717 |
| Average equity | $20,057,330 | 3,143 |
| Average total loans | $179,775,670 | 2,343 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 2,214 |
| Cost of funding earning assets | 1.2128% | 869 |
| Net interest margin | 3.4898% | 3,617 |
| Noninterest income to average assets | 0.4332% | 2,955 |
| Noninterest expense to average assets | 2.8828% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5379% | 4,415 |
| Return on assets (ROA) | 0.5379% | 4,443 |
| Pretax return on assets | 0.7293% | 4,227 |
| Return on Equity (ROE) | 6.0056% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0056% | 2,453 |
| Net charge-offs to loans | 0.1826% | 760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.9877% | 2,290 |
| Efficiency ratio | 79.8101% | 1,079 |
| Assets per employee ($millions) | 5.1613% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,253 |
| Loan loss allowance to noncurrent loans | 90.0094% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 1,087 |
| Noncurrent loans to loans | 1.1960% | 1,384 |
| Net loans and leases to total assets | 80.9674% | 714 |
| Net loans and leases to deposits | 94.9865% | 1,063 |
| Net loans and leases to core deposits | 100.5851% | 1,567 |
| Total domestic deposits to total assets | 85.2409% | 2,586 |
| Equity capital to assets | 9.2349% | 4,495 |
| Core capital (leverage) ratio | 9.1101% | 4,563 |
| Tier 1 risk-based capital ratio | 11.8612% | 4,534 |
| Total risk-based capital ratio | 12.9925% | 4,499 |
| Memoranda: | ||
| Average total assets | $221,588,000 | 2,712 |
| Average earning assets | $201,845,000 | 2,745 |
| Average equity | $19,848,000 | 3,171 |
| Average total loans | $177,477,000 | 2,392 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,756 |
| Cost of funding earning assets | 0.9610% | 880 |
| Net interest margin | 3.7611% | 2,820 |
| Noninterest income to average assets | 0.4715% | 2,989 |
| Noninterest expense to average assets | 2.8924% | 2,379 |
| Loan and lease loss provision to assets | 0.0625% | 2,909 |
| Net operating income to assets | 0.7211% | 4,074 |
| Return on assets (ROA) | 0.7211% | 4,079 |
| Pretax return on assets | 0.9388% | 3,789 |
| Return on Equity (ROE) | 7.9913% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.9931% | 3,375 |
| Net charge-offs to loans | 0.0419% | 2,576 |
| Credit loss provision to net charge-offs | 180.0000% | 1,570 |
| Earnings coverage of net charge-offs (x) | 28.8267% | 1,639 |
| Efficiency ratio | 74.2833% | 1,591 |
| Assets per employee ($millions) | 5.3905% | 2,067 |
| Cash dividends to net income (ytd only)* | 50.0321% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 2,974 |
| Loan loss allowance to noncurrent loans | 81.4315% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 1,157 |
| Noncurrent loans to loans | 1.3773% | 1,133 |
| Net loans and leases to total assets | 77.5332% | 1,348 |
| Net loans and leases to deposits | 90.4741% | 1,735 |
| Net loans and leases to core deposits | 95.8988% | 2,072 |
| Total domestic deposits to total assets | 85.6966% | 2,364 |
| Equity capital to assets | 8.6912% | 4,808 |
| Core capital (leverage) ratio | 7.9708% | 5,246 |
| Tier 1 risk-based capital ratio | 11.8455% | 4,538 |
| Total risk-based capital ratio | 13.0411% | 4,448 |
| Memoranda: | ||
| Average total assets | $215,912,600 | 2,723 |
| Average earning assets | $196,460,000 | 2,749 |
| Average equity | $19,483,600 | 3,136 |
| Average total loans | $179,088,400 | 2,344 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,944 |
| Cost of funding earning assets | 0.8110% | 1,284 |
| Net interest margin | 3.7996% | 2,646 |
| Noninterest income to average assets | 0.4626% | 3,084 |
| Noninterest expense to average assets | 2.8949% | 2,319 |
| Loan and lease loss provision to assets | 0.0781% | 2,397 |
| Net operating income to assets | 0.6945% | 4,240 |
| Return on assets (ROA) | 0.6945% | 4,248 |
| Pretax return on assets | 0.9427% | 3,892 |
| Return on Equity (ROE) | 7.6217% | 3,698 |
| Retained earnings to average equity (ytd only) | 7.6217% | 1,837 |
| Net charge-offs to loans | -0.0111% | 4,432 |
| Credit loss provision to net charge-offs | -833.3333% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9304% | 1,607 |
| Assets per employee ($millions) | 5.1905% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,009 |
| Loan loss allowance to noncurrent loans | 77.4785% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 1,064 |
| Noncurrent loans to loans | 1.4626% | 1,114 |
| Net loans and leases to total assets | 82.8811% | 576 |
| Net loans and leases to deposits | 97.3208% | 1,013 |
| Net loans and leases to core deposits | 102.9486% | 1,535 |
| Total domestic deposits to total assets | 85.1628% | 2,540 |
| Equity capital to assets | 9.1707% | 4,400 |
| Core capital (leverage) ratio | 9.5543% | 4,105 |
| Tier 1 risk-based capital ratio | 11.6689% | 4,695 |
| Total risk-based capital ratio | 12.8736% | 4,609 |
| Memoranda: | ||
| Average total assets | $213,290,500 | 2,767 |
| Average earning assets | $193,841,750 | 2,796 |
| Average equity | $19,435,250 | 3,161 |
| Average total loans | $179,478,750 | 2,346 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,896 |
| Cost of funding earning assets | 0.7372% | 1,436 |
| Net interest margin | 3.8234% | 2,489 |
| Noninterest income to average assets | 0.4298% | 3,296 |
| Noninterest expense to average assets | 2.8982% | 2,360 |
| Loan and lease loss provision to assets | 0.0850% | 2,215 |
| Net operating income to assets | 0.6792% | 4,251 |
| Return on assets (ROA) | 0.6792% | 4,258 |
| Pretax return on assets | 0.9201% | 3,909 |
| Return on Equity (ROE) | 7.4703% | 3,738 |
| Retained earnings to average equity (ytd only) | 7.4703% | 1,855 |
| Net charge-offs to loans | 0.0179% | 2,542 |
| Credit loss provision to net charge-offs | 562.5000% | 657 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 938 |
| Efficiency ratio | 74.2498% | 1,673 |
| Assets per employee ($millions) | 5.0847% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,323 |
| Loan loss allowance to noncurrent loans | 70.4993% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 995 |
| Noncurrent loans to loans | 1.5469% | 1,065 |
| Net loans and leases to total assets | 85.1534% | 336 |
| Net loans and leases to deposits | 100.3803% | 781 |
| Net loans and leases to core deposits | 105.3000% | 1,296 |
| Total domestic deposits to total assets | 84.8308% | 2,739 |
| Equity capital to assets | 9.1844% | 4,396 |
| Core capital (leverage) ratio | 9.4903% | 4,127 |
| Tier 1 risk-based capital ratio | 11.2495% | 4,923 |
| Total risk-based capital ratio | 12.3963% | 4,879 |
| Memoranda: | ||
| Average total assets | $211,721,000 | 2,795 |
| Average earning assets | $192,340,330 | 2,831 |
| Average equity | $19,249,670 | 3,197 |
| Average total loans | $178,388,000 | 2,366 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,052 |
| Cost of funding earning assets | 0.6894% | 1,501 |
| Net interest margin | 3.7519% | 2,608 |
| Noninterest income to average assets | 0.3757% | 3,622 |
| Noninterest expense to average assets | 2.9184% | 2,294 |
| Loan and lease loss provision to assets | 0.0569% | 2,634 |
| Net operating income to assets | 0.5996% | 4,427 |
| Return on assets (ROA) | 0.5996% | 4,434 |
| Pretax return on assets | 0.8083% | 4,124 |
| Return on Equity (ROE) | 6.6291% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.6291% | 2,443 |
| Net charge-offs to loans | -0.0182% | 4,508 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1314% | 1,441 |
| Assets per employee ($millions) | 5.1623% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,419 |
| Loan loss allowance to noncurrent loans | 61.3969% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 860 |
| Noncurrent loans to loans | 1.7830% | 949 |
| Net loans and leases to total assets | 84.0509% | 434 |
| Net loans and leases to deposits | 98.8476% | 800 |
| Net loans and leases to core deposits | 102.8699% | 1,455 |
| Total domestic deposits to total assets | 85.0308% | 2,922 |
| Equity capital to assets | 9.0785% | 4,481 |
| Core capital (leverage) ratio | 9.2614% | 4,367 |
| Tier 1 risk-based capital ratio | 11.2612% | 5,000 |
| Total risk-based capital ratio | 12.4122% | 4,949 |
| Memoranda: | ||
| Average total assets | $210,802,500 | 2,838 |
| Average earning assets | $191,476,500 | 2,866 |
| Average equity | $19,067,500 | 3,243 |
| Average total loans | $175,653,500 | 2,407 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 2,084 |
| Cost of funding earning assets | 0.5995% | 1,595 |
| Net interest margin | 3.7790% | 2,502 |
| Noninterest income to average assets | 0.6095% | 2,407 |
| Noninterest expense to average assets | 2.8789% | 2,526 |
| Loan and lease loss provision to assets | 0.0633% | 2,963 |
| Net operating income to assets | 0.6163% | 3,945 |
| Return on assets (ROA) | 0.6163% | 3,986 |
| Pretax return on assets | 1.0919% | 3,223 |
| Return on Equity (ROE) | 6.5969% | 3,483 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | 0.0937% | 2,144 |
| Credit loss provision to net charge-offs | 83.4395% | 2,891 |
| Earnings coverage of net charge-offs (x) | 15.2229% | 2,260 |
| Efficiency ratio | 71.3635% | 2,325 |
| Assets per employee ($millions) | 4.8826% | 2,627 |
| Cash dividends to net income (ytd only)* | 100.0000% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,209 |
| Loan loss allowance to noncurrent loans | 75.4592% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.2841% | 1,137 |
| Noncurrent loans to loans | 1.4927% | 1,139 |
| Net loans and leases to total assets | 80.7378% | 871 |
| Net loans and leases to deposits | 93.3774% | 1,344 |
| Net loans and leases to core deposits | 97.0264% | 1,947 |
| Total domestic deposits to total assets | 86.4639% | 2,244 |
| Equity capital to assets | 9.0117% | 4,706 |
| Core capital (leverage) ratio | 9.2061% | 4,388 |
| Tier 1 risk-based capital ratio | 11.6202% | 4,776 |
| Total risk-based capital ratio | 12.8045% | 4,712 |
| Memoranda: | ||
| Average total assets | $206,887,000 | 2,850 |
| Average earning assets | $187,485,600 | 2,885 |
| Average equity | $19,327,200 | 3,213 |
| Average total loans | $167,556,400 | 2,451 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,103 |
| Cost of funding earning assets | 0.5878% | 1,616 |
| Net interest margin | 3.7645% | 2,524 |
| Noninterest income to average assets | 0.5000% | 3,028 |
| Noninterest expense to average assets | 2.8390% | 2,599 |
| Loan and lease loss provision to assets | 0.0071% | 3,984 |
| Net operating income to assets | 0.6637% | 4,141 |
| Return on assets (ROA) | 0.6637% | 4,196 |
| Pretax return on assets | 1.0634% | 3,446 |
| Return on Equity (ROE) | 7.0409% | 3,638 |
| Retained earnings to average equity (ytd only) | 7.0409% | 1,671 |
| Net charge-offs to loans | 0.0056% | 3,533 |
| Credit loss provision to net charge-offs | 157.1429% | 1,624 |
| Earnings coverage of net charge-offs (x) | 236.5070% | 371 |
| Efficiency ratio | 72.6175% | 2,115 |
| Assets per employee ($millions) | 4.9099% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,193 |
| Loan loss allowance to noncurrent loans | 81.8106% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 1,340 |
| Noncurrent loans to loans | 1.4070% | 1,327 |
| Net loans and leases to total assets | 81.6653% | 745 |
| Net loans and leases to deposits | 94.6324% | 1,233 |
| Net loans and leases to core deposits | 98.1679% | 1,871 |
| Total domestic deposits to total assets | 86.2973% | 2,179 |
| Equity capital to assets | 9.6821% | 4,263 |
| Core capital (leverage) ratio | 9.5316% | 4,122 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,503 |
| Total risk-based capital ratio | 13.3895% | 4,426 |
| Memoranda: | ||
| Average total assets | $206,121,250 | 2,882 |
| Average earning assets | $186,686,000 | 2,923 |
| Average equity | $19,429,000 | 3,231 |
| Average total loans | $166,585,500 | 2,475 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,215 |
| Cost of funding earning assets | 0.5581% | 1,724 |
| Net interest margin | 3.7159% | 2,596 |
| Noninterest income to average assets | 0.4590% | 3,296 |
| Noninterest expense to average assets | 2.8114% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6327% | 4,150 |
| Return on assets (ROA) | 0.6327% | 4,201 |
| Pretax return on assets | 1.0141% | 3,507 |
| Return on Equity (ROE) | 6.7740% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.7740% | 1,701 |
| Net charge-offs to loans | -0.0218% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4906% | 2,098 |
| Assets per employee ($millions) | 4.9106% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,111 |
| Loan loss allowance to noncurrent loans | 80.9095% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 1,331 |
| Noncurrent loans to loans | 1.4647% | 1,290 |
| Net loans and leases to total assets | 79.8449% | 978 |
| Net loans and leases to deposits | 92.0822% | 1,483 |
| Net loans and leases to core deposits | 95.6601% | 2,008 |
| Total domestic deposits to total assets | 86.7105% | 2,083 |
| Equity capital to assets | 9.4998% | 4,402 |
| Core capital (leverage) ratio | 9.5939% | 4,023 |
| Tier 1 risk-based capital ratio | 12.1443% | 4,534 |
| Total risk-based capital ratio | 13.3683% | 4,434 |
| Memoranda: | ||
| Average total assets | $206,090,000 | 2,896 |
| Average earning assets | $186,711,000 | 2,942 |
| Average equity | $19,250,000 | 3,249 |
| Average total loans | $165,325,000 | 2,488 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 2,304 |
| Cost of funding earning assets | 0.5053% | 2,044 |
| Net interest margin | 3.6846% | 2,543 |
| Noninterest income to average assets | 0.3825% | 3,791 |
| Noninterest expense to average assets | 2.8173% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5689% | 4,286 |
| Return on assets (ROA) | 0.5689% | 4,330 |
| Pretax return on assets | 0.9067% | 3,747 |
| Return on Equity (ROE) | 6.1430% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.1430% | 2,259 |
| Net charge-offs to loans | -0.0170% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6517% | 1,962 |
| Assets per employee ($millions) | 5.0502% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,096 |
| Loan loss allowance to noncurrent loans | 109.9049% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 1,985 |
| Noncurrent loans to loans | 1.0972% | 1,867 |
| Net loans and leases to total assets | 77.7095% | 1,173 |
| Net loans and leases to deposits | 89.3494% | 1,625 |
| Net loans and leases to core deposits | 92.7839% | 2,090 |
| Total domestic deposits to total assets | 86.9727% | 2,227 |
| Equity capital to assets | 9.2873% | 4,529 |
| Core capital (leverage) ratio | 9.4131% | 4,220 |
| Tier 1 risk-based capital ratio | 12.1610% | 4,610 |
| Total risk-based capital ratio | 13.4026% | 4,514 |
| Memoranda: | ||
| Average total assets | $206,012,000 | 2,927 |
| Average earning assets | $186,833,000 | 2,974 |
| Average equity | $19,078,500 | 3,279 |
| Average total loans | $164,661,500 | 2,514 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 1,889 |
| Cost of funding earning assets | 0.4944% | 2,128 |
| Net interest margin | 3.8826% | 2,019 |
| Noninterest income to average assets | 0.6715% | 2,312 |
| Noninterest expense to average assets | 2.7138% | 3,305 |
| Loan and lease loss provision to assets | 0.0914% | 2,527 |
| Net operating income to assets | 0.8731% | 2,965 |
| Return on assets (ROA) | 0.8731% | 3,075 |
| Pretax return on assets | 1.3765% | 2,024 |
| Return on Equity (ROE) | 9.1603% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.5828% | 2,655 |
| Net charge-offs to loans | 0.0781% | 2,569 |
| Credit loss provision to net charge-offs | 144.0000% | 1,903 |
| Earnings coverage of net charge-offs (x) | 23.1200% | 1,699 |
| Efficiency ratio | 64.8974% | 3,780 |
| Assets per employee ($millions) | 4.8802% | 2,533 |
| Cash dividends to net income (ytd only)* | 49.9709% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,272 |
| Loan loss allowance to noncurrent loans | 107.0569% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 1,973 |
| Noncurrent loans to loans | 1.0982% | 1,895 |
| Net loans and leases to total assets | 80.2563% | 864 |
| Net loans and leases to deposits | 92.8041% | 1,327 |
| Net loans and leases to core deposits | 96.5840% | 1,874 |
| Total domestic deposits to total assets | 86.4793% | 2,380 |
| Equity capital to assets | 9.2342% | 4,534 |
| Core capital (leverage) ratio | 9.4346% | 4,179 |
| Tier 1 risk-based capital ratio | 11.9713% | 4,747 |
| Total risk-based capital ratio | 13.2081% | 4,643 |
| Memoranda: | ||
| Average total assets | $196,883,000 | 2,991 |
| Average earning assets | $177,997,400 | 3,034 |
| Average equity | $18,765,800 | 3,305 |
| Average total loans | $160,032,400 | 2,521 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 1,880 |
| Cost of funding earning assets | 0.4868% | 2,203 |
| Net interest margin | 3.9063% | 1,953 |
| Noninterest income to average assets | 0.6302% | 2,519 |
| Noninterest expense to average assets | 2.7157% | 3,311 |
| Loan and lease loss provision to assets | 0.0684% | 2,855 |
| Net operating income to assets | 0.8594% | 3,105 |
| Return on assets (ROA) | 0.8594% | 3,232 |
| Pretax return on assets | 1.3712% | 2,157 |
| Return on Equity (ROE) | 8.9430% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.9430% | 834 |
| Net charge-offs to loans | 0.0219% | 3,246 |
| Credit loss provision to net charge-offs | 384.6154% | 866 |
| Earnings coverage of net charge-offs (x) | 80.9132% | 773 |
| Efficiency ratio | 65.3548% | 3,699 |
| Assets per employee ($millions) | 5.7200% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,180 |
| Loan loss allowance to noncurrent loans | 105.7816% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0240% | 2,015 |
| Noncurrent loans to loans | 1.1431% | 1,966 |
| Net loans and leases to total assets | 80.6424% | 804 |
| Net loans and leases to deposits | 93.7582% | 1,279 |
| Net loans and leases to core deposits | 96.7745% | 1,918 |
| Total domestic deposits to total assets | 86.0110% | 2,343 |
| Equity capital to assets | 9.6768% | 4,490 |
| Core capital (leverage) ratio | 9.6417% | 4,007 |
| Tier 1 risk-based capital ratio | 12.3498% | 4,573 |
| Total risk-based capital ratio | 13.6003% | 4,477 |
| Memoranda: | ||
| Average total assets | $194,862,000 | 3,018 |
| Average earning assets | $175,848,250 | 3,065 |
| Average equity | $18,725,500 | 3,336 |
| Average total loans | $158,426,500 | 2,540 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 1,947 |
| Cost of funding earning assets | 0.4666% | 2,412 |
| Net interest margin | 3.8938% | 1,996 |
| Noninterest income to average assets | 0.5707% | 2,793 |
| Noninterest expense to average assets | 2.7045% | 3,381 |
| Loan and lease loss provision to assets | 0.0414% | 3,327 |
| Net operating income to assets | 0.8369% | 3,145 |
| Return on assets (ROA) | 0.8369% | 3,283 |
| Pretax return on assets | 1.3341% | 2,268 |
| Return on Equity (ROE) | 8.7306% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.7306% | 926 |
| Net charge-offs to loans | 0.0396% | 2,670 |
| Credit loss provision to net charge-offs | 129.0323% | 1,777 |
| Earnings coverage of net charge-offs (x) | 42.8387% | 1,108 |
| Efficiency ratio | 66.2859% | 3,634 |
| Assets per employee ($millions) | 5.3923% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 3,408 |
| Loan loss allowance to noncurrent loans | 109.8907% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 2,269 |
| Noncurrent loans to loans | 1.0851% | 2,118 |
| Net loans and leases to total assets | 79.3650% | 1,004 |
| Net loans and leases to deposits | 91.9846% | 1,517 |
| Net loans and leases to core deposits | 94.7748% | 2,086 |
| Total domestic deposits to total assets | 86.2807% | 2,282 |
| Equity capital to assets | 9.4825% | 4,783 |
| Core capital (leverage) ratio | 9.9488% | 3,622 |
| Tier 1 risk-based capital ratio | 12.4511% | 4,555 |
| Total risk-based capital ratio | 13.7015% | 4,466 |
| Memoranda: | ||
| Average total assets | $193,082,670 | 3,060 |
| Average earning assets | $174,018,330 | 3,094 |
| Average equity | $18,509,670 | 3,372 |
| Average total loans | $156,761,330 | 2,565 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 1,749 |
| Cost of funding earning assets | 0.4708% | 2,363 |
| Net interest margin | 3.9487% | 1,788 |
| Noninterest income to average assets | 0.6573% | 2,228 |
| Noninterest expense to average assets | 2.6987% | 3,423 |
| Loan and lease loss provision to assets | 0.0843% | 2,265 |
| Net operating income to assets | 0.8933% | 2,789 |
| Return on assets (ROA) | 0.8933% | 2,916 |
| Pretax return on assets | 1.4263% | 1,813 |
| Return on Equity (ROE) | 9.2652% | 2,300 |
| Retained earnings to average equity (ytd only) | 9.2652% | 1,035 |
| Net charge-offs to loans | 0.0542% | 1,980 |
| Credit loss provision to net charge-offs | 190.4762% | 1,117 |
| Earnings coverage of net charge-offs (x) | 34.1429% | 1,104 |
| Efficiency ratio | 64.1141% | 4,106 |
| Assets per employee ($millions) | 5.4279% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 3,250 |
| Loan loss allowance to noncurrent loans | 207.2276% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 3,386 |
| Noncurrent loans to loans | 0.5989% | 3,382 |
| Net loans and leases to total assets | 80.4644% | 753 |
| Net loans and leases to deposits | 90.8218% | 1,481 |
| Net loans and leases to core deposits | 93.6465% | 2,030 |
| Total domestic deposits to total assets | 88.5959% | 1,308 |
| Equity capital to assets | 9.7528% | 4,391 |
| Core capital (leverage) ratio | 9.8237% | 3,746 |
| Tier 1 risk-based capital ratio | 12.5329% | 4,556 |
| Total risk-based capital ratio | 13.7837% | 4,470 |
| Memoranda: | ||
| Average total assets | $189,866,500 | 3,092 |
| Average earning assets | $170,791,000 | 3,145 |
| Average equity | $18,305,000 | 3,397 |
| Average total loans | $155,014,000 | 2,583 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 1,417 |
| Cost of funding earning assets | 0.4787% | 2,365 |
| Net interest margin | 4.0896% | 1,437 |
| Noninterest income to average assets | 0.5057% | 3,283 |
| Noninterest expense to average assets | 2.8393% | 3,076 |
| Loan and lease loss provision to assets | 0.0614% | 3,074 |
| Net operating income to assets | 0.7903% | 3,374 |
| Return on assets (ROA) | 0.7903% | 3,457 |
| Pretax return on assets | 1.2640% | 2,417 |
| Return on Equity (ROE) | 7.9850% | 2,965 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | -0.0086% | 5,077 |
| Credit loss provision to net charge-offs | -884.6154% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1754% | 3,536 |
| Assets per employee ($millions) | 5.1286% | 2,200 |
| Cash dividends to net income (ytd only)* | 100.0000% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 3,325 |
| Loan loss allowance to noncurrent loans | 187.0206% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 3,239 |
| Noncurrent loans to loans | 0.6551% | 3,228 |
| Net loans and leases to total assets | 80.8097% | 736 |
| Net loans and leases to deposits | 91.8843% | 1,418 |
| Net loans and leases to core deposits | 94.5832% | 1,989 |
| Total domestic deposits to total assets | 87.9472% | 1,655 |
| Equity capital to assets | 9.5290% | 4,521 |
| Core capital (leverage) ratio | 9.4648% | 4,230 |
| Tier 1 risk-based capital ratio | 12.2591% | 4,783 |
| Total risk-based capital ratio | 13.5099% | 4,685 |
| Memoranda: | ||
| Average total assets | $187,264,000 | 3,088 |
| Average earning assets | $167,548,200 | 3,152 |
| Average equity | $18,534,800 | 3,311 |
| Average total loans | $151,020,200 | 2,585 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,344 |
| Cost of funding earning assets | 0.4782% | 2,424 |
| Net interest margin | 4.1165% | 1,370 |
| Noninterest income to average assets | 0.4993% | 3,364 |
| Noninterest expense to average assets | 2.8610% | 2,971 |
| Loan and lease loss provision to assets | 0.0643% | 2,898 |
| Net operating income to assets | 0.7829% | 3,509 |
| Return on assets (ROA) | 0.7829% | 3,596 |
| Pretax return on assets | 1.2516% | 2,593 |
| Return on Equity (ROE) | 7.8362% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.8362% | 1,312 |
| Net charge-offs to loans | -0.0142% | 5,092 |
| Credit loss provision to net charge-offs | -562.5000% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4967% | 3,453 |
| Assets per employee ($millions) | 5.3073% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 3,516 |
| Loan loss allowance to noncurrent loans | 221.6981% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 3,326 |
| Noncurrent loans to loans | 0.5523% | 3,683 |
| Net loans and leases to total assets | 79.3763% | 902 |
| Net loans and leases to deposits | 90.2103% | 1,616 |
| Net loans and leases to core deposits | 92.4468% | 2,219 |
| Total domestic deposits to total assets | 87.9903% | 1,561 |
| Equity capital to assets | 10.0501% | 4,097 |
| Core capital (leverage) ratio | 10.2453% | 3,312 |
| Tier 1 risk-based capital ratio | 13.1925% | 4,328 |
| Total risk-based capital ratio | 14.4430% | 4,251 |
| Memoranda: | ||
| Average total assets | $186,640,750 | 3,120 |
| Average earning assets | $166,739,500 | 3,192 |
| Average equity | $18,648,000 | 3,323 |
| Average total loans | $149,964,250 | 2,609 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 1,168 |
| Cost of funding earning assets | 0.4811% | 2,421 |
| Net interest margin | 4.1700% | 1,172 |
| Noninterest income to average assets | 0.5465% | 3,063 |
| Noninterest expense to average assets | 2.9325% | 2,777 |
| Loan and lease loss provision to assets | 0.0972% | 2,199 |
| Net operating income to assets | 0.7723% | 3,527 |
| Return on assets (ROA) | 0.7723% | 3,629 |
| Pretax return on assets | 1.2335% | 2,635 |
| Return on Equity (ROE) | 7.7451% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.7451% | 1,367 |
| Net charge-offs to loans | -0.0215% | 5,199 |
| Credit loss provision to net charge-offs | -562.5000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7864% | 3,540 |
| Assets per employee ($millions) | 5.0308% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 3,402 |
| Loan loss allowance to noncurrent loans | 270.1149% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 3,596 |
| Noncurrent loans to loans | 0.4700% | 4,070 |
| Net loans and leases to total assets | 78.5516% | 1,002 |
| Net loans and leases to deposits | 89.4293% | 1,667 |
| Net loans and leases to core deposits | 91.9089% | 2,170 |
| Total domestic deposits to total assets | 87.8366% | 1,738 |
| Equity capital to assets | 10.1026% | 3,921 |
| Core capital (leverage) ratio | 10.3087% | 3,211 |
| Tier 1 risk-based capital ratio | 13.5637% | 4,185 |
| Total risk-based capital ratio | 14.8148% | 4,113 |
| Memoranda: | ||
| Average total assets | $185,167,000 | 3,163 |
| Average earning assets | $165,036,000 | 3,238 |
| Average equity | $18,463,330 | 3,365 |
| Average total loans | $148,773,000 | 2,635 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 860 |
| Cost of funding earning assets | 0.4794% | 2,455 |
| Net interest margin | 4.3221% | 840 |
| Noninterest income to average assets | 0.5588% | 2,898 |
| Noninterest expense to average assets | 3.0648% | 2,381 |
| Loan and lease loss provision to assets | 0.1083% | 1,900 |
| Net operating income to assets | 0.7711% | 3,417 |
| Return on assets (ROA) | 0.7711% | 3,553 |
| Pretax return on assets | 1.2324% | 2,540 |
| Return on Equity (ROE) | 7.7846% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.7846% | 1,651 |
| Net charge-offs to loans | -0.0322% | 5,292 |
| Credit loss provision to net charge-offs | -416.6667% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5674% | 3,563 |
| Assets per employee ($millions) | 5.4293% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 3,831 |
| Loan loss allowance to noncurrent loans | 181.0651% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8510% | 2,949 |
| Noncurrent loans to loans | 0.6747% | 3,597 |
| Net loans and leases to total assets | 80.4141% | 645 |
| Net loans and leases to deposits | 91.6495% | 1,227 |
| Net loans and leases to core deposits | 94.0471% | 1,764 |
| Total domestic deposits to total assets | 87.7409% | 1,963 |
| Equity capital to assets | 10.0105% | 4,135 |
| Core capital (leverage) ratio | 9.9975% | 3,603 |
| Tier 1 risk-based capital ratio | 13.2260% | 4,479 |
| Total risk-based capital ratio | 14.4762% | 4,401 |
| Memoranda: | ||
| Average total assets | $184,680,500 | 3,182 |
| Average earning assets | $164,364,000 | 3,261 |
| Average equity | $18,292,500 | 3,409 |
| Average total loans | $149,111,500 | 2,635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,872 |
| Cost of funding earning assets | 0.5145% | 2,536 |
| Net interest margin | 3.9840% | 1,940 |
| Noninterest income to average assets | 0.5878% | 2,933 |
| Noninterest expense to average assets | 2.9947% | 2,857 |
| Loan and lease loss provision to assets | 0.0664% | 3,171 |
| Net operating income to assets | 0.6603% | 4,086 |
| Return on assets (ROA) | 0.6603% | 4,186 |
| Pretax return on assets | 1.0538% | 3,284 |
| Return on Equity (ROE) | 6.4742% | 3,917 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,761 |
| Net charge-offs to loans | 0.0035% | 4,890 |
| Credit loss provision to net charge-offs | 2,400.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 404.8000% | 132 |
| Efficiency ratio | 72.7774% | 3,076 |
| Assets per employee ($millions) | 5.2790% | 1,987 |
| Cash dividends to net income (ytd only)* | 100.0000% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 4,005 |
| Loan loss allowance to noncurrent loans | 96.9929% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 1,868 |
| Noncurrent loans to loans | 1.2363% | 2,384 |
| Net loans and leases to total assets | 79.1123% | 869 |
| Net loans and leases to deposits | 90.7793% | 1,436 |
| Net loans and leases to core deposits | 92.9930% | 1,992 |
| Total domestic deposits to total assets | 87.1479% | 2,194 |
| Equity capital to assets | 9.7995% | 4,356 |
| Core capital (leverage) ratio | 9.7749% | 3,868 |
| Tier 1 risk-based capital ratio | 12.8348% | 4,833 |
| Total risk-based capital ratio | 14.0850% | 4,745 |
| Memoranda: | ||
| Average total assets | $180,683,200 | 3,199 |
| Average earning assets | $159,963,400 | 3,280 |
| Average equity | $18,427,000 | 3,356 |
| Average total loans | $141,876,200 | 2,684 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 1,797 |
| Cost of funding earning assets | 0.5203% | 2,567 |
| Net interest margin | 3.9998% | 1,880 |
| Noninterest income to average assets | 0.5269% | 3,343 |
| Noninterest expense to average assets | 2.9462% | 2,970 |
| Loan and lease loss provision to assets | 0.0594% | 3,176 |
| Net operating income to assets | 0.6634% | 4,136 |
| Return on assets (ROA) | 0.6634% | 4,241 |
| Pretax return on assets | 1.0583% | 3,349 |
| Return on Equity (ROE) | 6.4406% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.4406% | 2,142 |
| Net charge-offs to loans | -0.0712% | 6,038 |
| Credit loss provision to net charge-offs | -106.6667% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4982% | 3,089 |
| Assets per employee ($millions) | 5.2897% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 3,919 |
| Loan loss allowance to noncurrent loans | 76.4433% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 1,942 |
| Noncurrent loans to loans | 1.6402% | 1,986 |
| Net loans and leases to total assets | 77.1648% | 1,071 |
| Net loans and leases to deposits | 88.4962% | 1,611 |
| Net loans and leases to core deposits | 91.2898% | 2,088 |
| Total domestic deposits to total assets | 87.1956% | 2,203 |
| Equity capital to assets | 10.2517% | 3,861 |
| Core capital (leverage) ratio | 10.2375% | 3,359 |
| Tier 1 risk-based capital ratio | 13.7767% | 4,369 |
| Total risk-based capital ratio | 15.0278% | 4,301 |
| Memoranda: | ||
| Average total assets | $179,663,000 | 3,238 |
| Average earning assets | $158,871,500 | 3,320 |
| Average equity | $18,507,250 | 3,368 |
| Average total loans | $140,359,000 | 2,726 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,827 |
| Cost of funding earning assets | 0.5221% | 2,615 |
| Net interest margin | 3.9794% | 1,872 |
| Noninterest income to average assets | 0.5443% | 3,170 |
| Noninterest expense to average assets | 2.9656% | 2,950 |
| Loan and lease loss provision to assets | 0.0900% | 2,527 |
| Net operating income to assets | 0.6309% | 4,199 |
| Return on assets (ROA) | 0.6309% | 4,301 |
| Pretax return on assets | 1.0032% | 3,463 |
| Return on Equity (ROE) | 6.1146% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.1146% | 2,253 |
| Net charge-offs to loans | -0.1483% | 6,267 |
| Credit loss provision to net charge-offs | -77.6699% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0673% | 3,143 |
| Assets per employee ($millions) | 5.2284% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,032 |
| Loan loss allowance to noncurrent loans | 74.5749% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 2,017 |
| Noncurrent loans to loans | 1.7018% | 2,037 |
| Net loans and leases to total assets | 78.3085% | 872 |
| Net loans and leases to deposits | 89.4389% | 1,424 |
| Net loans and leases to core deposits | 91.6234% | 1,961 |
| Total domestic deposits to total assets | 87.5553% | 2,168 |
| Equity capital to assets | 10.1977% | 3,830 |
| Core capital (leverage) ratio | 10.1756% | 3,375 |
| Tier 1 risk-based capital ratio | 13.7980% | 4,390 |
| Total risk-based capital ratio | 15.0497% | 4,338 |
| Memoranda: | ||
| Average total assets | $177,837,330 | 3,275 |
| Average earning assets | $157,060,330 | 3,361 |
| Average equity | $18,349,670 | 3,386 |
| Average total loans | $138,919,670 | 2,750 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 1,928 |
| Cost of funding earning assets | 0.5490% | 2,427 |
| Net interest margin | 3.9128% | 2,047 |
| Noninterest income to average assets | 0.6322% | 2,555 |
| Noninterest expense to average assets | 2.9853% | 2,916 |
| Loan and lease loss provision to assets | 0.1369% | 1,773 |
| Net operating income to assets | 0.6048% | 4,178 |
| Return on assets (ROA) | 0.6048% | 4,253 |
| Pretax return on assets | 0.9586% | 3,480 |
| Return on Equity (ROE) | 5.8261% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8261% | 2,635 |
| Net charge-offs to loans | 0.0236% | 3,096 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 654 |
| Efficiency ratio | 73.1544% | 3,286 |
| Assets per employee ($millions) | 5.3468% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,413 |
| Loan loss allowance to noncurrent loans | 54.7345% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 2.0448% | 1,660 |
| Noncurrent loans to loans | 2.2733% | 1,580 |
| Net loans and leases to total assets | 76.9618% | 887 |
| Net loans and leases to deposits | 88.5143% | 1,305 |
| Net loans and leases to core deposits | 90.7654% | 1,846 |
| Total domestic deposits to total assets | 86.9484% | 2,846 |
| Equity capital to assets | 10.3901% | 3,353 |
| Core capital (leverage) ratio | 10.3854% | 3,066 |
| Tier 1 risk-based capital ratio | 14.3401% | 4,104 |
| Total risk-based capital ratio | 15.5915% | 4,058 |
| Memoranda: | ||
| Average total assets | $175,259,500 | 3,329 |
| Average earning assets | $154,466,500 | 3,428 |
| Average equity | $18,194,000 | 3,400 |
| Average total loans | $135,809,000 | 2,800 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 2,676 |
| Cost of funding earning assets | 0.6913% | 1,879 |
| Net interest margin | 3.6823% | 3,126 |
| Noninterest income to average assets | 0.6449% | 2,837 |
| Noninterest expense to average assets | 2.8983% | 3,373 |
| Loan and lease loss provision to assets | 0.3427% | 929 |
| Net operating income to assets | 0.5579% | 4,466 |
| Return on assets (ROA) | 0.5579% | 4,590 |
| Pretax return on assets | 0.6539% | 4,690 |
| Return on Equity (ROE) | 5.5839% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.3664% | 5,212 |
| Net charge-offs to loans | 0.7828% | 804 |
| Credit loss provision to net charge-offs | 60.9391% | 3,535 |
| Earnings coverage of net charge-offs (x) | 1.7722% | 4,453 |
| Efficiency ratio | 74.4122% | 3,059 |
| Assets per employee ($millions) | 5.1198% | 2,047 |
| Cash dividends to net income (ytd only)* | 75.5287% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,456 |
| Loan loss allowance to noncurrent loans | 57.5642% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.0181% | 1,782 |
| Noncurrent loans to loans | 2.1490% | 1,829 |
| Net loans and leases to total assets | 76.0899% | 1,063 |
| Net loans and leases to deposits | 87.0719% | 1,566 |
| Net loans and leases to core deposits | 89.3003% | 2,108 |
| Total domestic deposits to total assets | 87.3875% | 2,530 |
| Equity capital to assets | 10.3721% | 3,321 |
| Core capital (leverage) ratio | 10.3748% | 3,057 |
| Tier 1 risk-based capital ratio | 14.2865% | 4,092 |
| Total risk-based capital ratio | 15.5374% | 4,033 |
| Memoranda: | ||
| Average total assets | $178,003,400 | 3,291 |
| Average earning assets | $157,103,200 | 3,385 |
| Average equity | $17,783,400 | 3,453 |
| Average total loans | $127,870,000 | 2,892 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,940 |
| Cost of funding earning assets | 0.7116% | 1,876 |
| Net interest margin | 3.5992% | 3,450 |
| Noninterest income to average assets | 0.7255% | 2,486 |
| Noninterest expense to average assets | 2.8694% | 3,409 |
| Loan and lease loss provision to assets | 0.3523% | 906 |
| Net operating income to assets | 0.5743% | 4,449 |
| Return on assets (ROA) | 0.5743% | 4,587 |
| Pretax return on assets | 0.6838% | 4,736 |
| Return on Equity (ROE) | 5.8027% | 4,285 |
| Retained earnings to average equity (ytd only) | 0.1581% | 5,888 |
| Net charge-offs to loans | 0.5310% | 1,210 |
| Credit loss provision to net charge-offs | 94.0358% | 2,531 |
| Earnings coverage of net charge-offs (x) | 2.7654% | 3,915 |
| Efficiency ratio | 73.4694% | 3,149 |
| Assets per employee ($millions) | 5.3767% | 1,763 |
| Cash dividends to net income (ytd only)* | 97.2772% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,409 |
| Loan loss allowance to noncurrent loans | 69.4874% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 2,001 |
| Noncurrent loans to loans | 2.1759% | 2,035 |
| Net loans and leases to total assets | 74.1578% | 1,274 |
| Net loans and leases to deposits | 84.6445% | 1,785 |
| Net loans and leases to core deposits | 86.9197% | 2,295 |
| Total domestic deposits to total assets | 87.6110% | 2,355 |
| Equity capital to assets | 10.0597% | 3,816 |
| Core capital (leverage) ratio | 10.0452% | 3,611 |
| Tier 1 risk-based capital ratio | 13.9826% | 4,446 |
| Total risk-based capital ratio | 15.2365% | 4,391 |
| Memoranda: | ||
| Average total assets | $178,986,000 | 3,310 |
| Average earning assets | $158,142,000 | 3,409 |
| Average equity | $17,715,500 | 3,500 |
| Average total loans | $126,309,750 | 2,938 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 3,256 |
| Cost of funding earning assets | 0.7267% | 1,870 |
| Net interest margin | 3.5001% | 3,780 |
| Noninterest income to average assets | 0.7632% | 2,357 |
| Noninterest expense to average assets | 2.8478% | 3,522 |
| Loan and lease loss provision to assets | 0.3031% | 1,187 |
| Net operating income to assets | 0.5883% | 4,355 |
| Return on assets (ROA) | 0.5883% | 4,537 |
| Pretax return on assets | 0.7086% | 4,660 |
| Return on Equity (ROE) | 5.9759% | 4,192 |
| Retained earnings to average equity (ytd only) | -2.5126% | 6,255 |
| Net charge-offs to loans | 0.4456% | 1,466 |
| Credit loss provision to net charge-offs | 98.5507% | 2,276 |
| Earnings coverage of net charge-offs (x) | 3.2899% | 3,436 |
| Efficiency ratio | 73.7875% | 3,170 |
| Assets per employee ($millions) | 4.7077% | 2,497 |
| Cash dividends to net income (ytd only)* | 142.0455% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 2,951 |
| Loan loss allowance to noncurrent loans | 51.0606% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.5088% | 1,691 |
| Noncurrent loans to loans | 3.2444% | 1,355 |
| Net loans and leases to total assets | 67.8967% | 2,261 |
| Net loans and leases to deposits | 77.1710% | 2,704 |
| Net loans and leases to core deposits | 79.5876% | 3,073 |
| Total domestic deposits to total assets | 87.9821% | 2,255 |
| Equity capital to assets | 9.8524% | 4,122 |
| Core capital (leverage) ratio | 9.8359% | 3,743 |
| Tier 1 risk-based capital ratio | 15.1774% | 3,657 |
| Total risk-based capital ratio | 16.4335% | 3,625 |
| Memoranda: | ||
| Average total assets | $179,504,330 | 3,317 |
| Average earning assets | $158,794,000 | 3,417 |
| Average equity | $17,671,000 | 3,531 |
| Average total loans | $123,880,000 | 2,991 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,019 |
| Cost of funding earning assets | 0.7382% | 1,939 |
| Net interest margin | 3.5328% | 3,553 |
| Noninterest income to average assets | 0.8387% | 1,966 |
| Noninterest expense to average assets | 2.8764% | 3,435 |
| Loan and lease loss provision to assets | 0.3025% | 1,140 |
| Net operating income to assets | 0.6362% | 4,041 |
| Return on assets (ROA) | 0.6362% | 4,201 |
| Pretax return on assets | 0.7897% | 4,208 |
| Return on Equity (ROE) | 6.4655% | 3,784 |
| Retained earnings to average equity (ytd only) | -10.4894% | 6,634 |
| Net charge-offs to loans | 0.1580% | 2,458 |
| Credit loss provision to net charge-offs | 277.5510% | 852 |
| Earnings coverage of net charge-offs (x) | 10.0204% | 1,781 |
| Efficiency ratio | 72.4776% | 3,523 |
| Assets per employee ($millions) | 5.0036% | 2,206 |
| Cash dividends to net income (ytd only)* | 262.2378% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 2,823 |
| Loan loss allowance to noncurrent loans | 55.6510% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.2750% | 2,053 |
| Noncurrent loans to loans | 3.1326% | 1,583 |
| Net loans and leases to total assets | 66.8654% | 2,218 |
| Net loans and leases to deposits | 76.1128% | 2,622 |
| Net loans and leases to core deposits | 78.7633% | 2,961 |
| Total domestic deposits to total assets | 87.8504% | 2,413 |
| Equity capital to assets | 9.6936% | 4,572 |
| Core capital (leverage) ratio | 9.6344% | 3,868 |
| Tier 1 risk-based capital ratio | 15.4117% | 3,586 |
| Total risk-based capital ratio | 16.6693% | 3,537 |
| Memoranda: | ||
| Average total assets | $179,811,000 | 3,348 |
| Average earning assets | $159,307,500 | 3,445 |
| Average equity | $17,694,000 | 3,565 |
| Average total loans | $124,066,500 | 3,010 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 2,564 |
| Cost of funding earning assets | 0.8876% | 2,010 |
| Net interest margin | 3.8194% | 3,143 |
| Noninterest income to average assets | 0.8337% | 2,108 |
| Noninterest expense to average assets | 2.7872% | 4,073 |
| Loan and lease loss provision to assets | 0.5362% | 1,079 |
| Net operating income to assets | 0.5636% | 4,413 |
| Return on assets (ROA) | 0.5636% | 4,669 |
| Pretax return on assets | 0.8934% | 3,943 |
| Return on Equity (ROE) | 5.6341% | 4,352 |
| Retained earnings to average equity (ytd only) | -1.0599% | 6,028 |
| Net charge-offs to loans | 0.2537% | 3,420 |
| Credit loss provision to net charge-offs | 294.7853% | 830 |
| Earnings coverage of net charge-offs (x) | 7.8589% | 2,516 |
| Efficiency ratio | 66.0977% | 4,482 |
| Assets per employee ($millions) | 4.9859% | 2,245 |
| Cash dividends to net income (ytd only)* | 118.8119% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 3,175 |
| Loan loss allowance to noncurrent loans | 51.4817% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.5020% | 1,948 |
| Noncurrent loans to loans | 3.1716% | 1,627 |
| Net loans and leases to total assets | 68.8060% | 2,066 |
| Net loans and leases to deposits | 78.7977% | 2,423 |
| Net loans and leases to core deposits | 81.5518% | 2,814 |
| Total domestic deposits to total assets | 87.3198% | 2,634 |
| Equity capital to assets | 9.9876% | 4,180 |
| Core capital (leverage) ratio | 9.4797% | 4,134 |
| Tier 1 risk-based capital ratio | 14.9938% | 3,723 |
| Total risk-based capital ratio | 16.2505% | 3,673 |
| Memoranda: | ||
| Average total assets | $179,209,800 | 3,325 |
| Average earning assets | $158,740,200 | 3,395 |
| Average equity | $17,926,600 | 3,480 |
| Average total loans | $128,504,600 | 2,909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 2,501 |
| Cost of funding earning assets | 0.9133% | 2,083 |
| Net interest margin | 3.8581% | 3,085 |
| Noninterest income to average assets | 0.8924% | 1,857 |
| Noninterest expense to average assets | 2.7404% | 4,213 |
| Loan and lease loss provision to assets | 0.6639% | 783 |
| Net operating income to assets | 0.5709% | 4,516 |
| Return on assets (ROA) | 0.5709% | 4,790 |
| Pretax return on assets | 0.9058% | 4,080 |
| Return on Equity (ROE) | 5.7046% | 4,483 |
| Retained earnings to average equity (ytd only) | -3.2205% | 6,496 |
| Net charge-offs to loans | 0.0712% | 4,702 |
| Credit loss provision to net charge-offs | 1,292.7536% | 212 |
| Earnings coverage of net charge-offs (x) | 30.5645% | 1,081 |
| Efficiency ratio | 63.5814% | 4,876 |
| Assets per employee ($millions) | 5.0871% | 2,060 |
| Cash dividends to net income (ytd only)* | 156.4539% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 2,910 |
| Loan loss allowance to noncurrent loans | 44.7153% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.2126% | 1,603 |
| Noncurrent loans to loans | 3.9511% | 1,307 |
| Net loans and leases to total assets | 69.8882% | 1,926 |
| Net loans and leases to deposits | 80.4989% | 2,313 |
| Net loans and leases to core deposits | 83.3440% | 2,770 |
| Total domestic deposits to total assets | 86.8189% | 2,790 |
| Equity capital to assets | 9.9641% | 4,544 |
| Core capital (leverage) ratio | 9.5153% | 4,243 |
| Tier 1 risk-based capital ratio | 14.8143% | 3,968 |
| Total risk-based capital ratio | 16.0733% | 3,922 |
| Memoranda: | ||
| Average total assets | $179,139,000 | 3,370 |
| Average earning assets | $158,693,500 | 3,434 |
| Average equity | $17,926,500 | 3,516 |
| Average total loans | $129,242,750 | 2,930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 2,519 |
| Cost of funding earning assets | 0.9296% | 2,188 |
| Net interest margin | 3.8680% | 3,051 |
| Noninterest income to average assets | 0.7443% | 2,445 |
| Noninterest expense to average assets | 2.6718% | 4,529 |
| Loan and lease loss provision to assets | 0.5994% | 995 |
| Net operating income to assets | 0.5660% | 4,512 |
| Return on assets (ROA) | 0.5660% | 4,793 |
| Pretax return on assets | 0.8992% | 4,080 |
| Return on Equity (ROE) | 5.6481% | 4,502 |
| Retained earnings to average equity (ytd only) | -7.6939% | 6,751 |
| Net charge-offs to loans | 0.0922% | 4,234 |
| Credit loss provision to net charge-offs | 896.6667% | 366 |
| Earnings coverage of net charge-offs (x) | 22.4167% | 1,300 |
| Efficiency ratio | 64.0663% | 4,892 |
| Assets per employee ($millions) | 4.9507% | 2,238 |
| Cash dividends to net income (ytd only)* | 236.2205% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 4,243 |
| Loan loss allowance to noncurrent loans | 32.1338% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.7133% | 1,402 |
| Noncurrent loans to loans | 4.5174% | 1,171 |
| Net loans and leases to total assets | 72.1087% | 1,538 |
| Net loans and leases to deposits | 82.7842% | 2,011 |
| Net loans and leases to core deposits | 85.5364% | 2,490 |
| Total domestic deposits to total assets | 87.1044% | 2,714 |
| Equity capital to assets | 9.7916% | 4,643 |
| Core capital (leverage) ratio | 9.3463% | 4,378 |
| Tier 1 risk-based capital ratio | 14.3062% | 4,238 |
| Total risk-based capital ratio | 15.5611% | 4,194 |
| Memoranda: | ||
| Average total assets | $179,502,000 | 3,361 |
| Average earning assets | $158,996,000 | 3,444 |
| Average equity | $17,988,330 | 3,501 |
| Average total loans | $130,099,000 | 2,925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 2,751 |
| Cost of funding earning assets | 0.9574% | 2,251 |
| Net interest margin | 3.8147% | 3,319 |
| Noninterest income to average assets | 0.7505% | 2,397 |
| Noninterest expense to average assets | 2.6646% | 4,568 |
| Loan and lease loss provision to assets | 0.5751% | 1,004 |
| Net operating income to assets | 0.5618% | 4,541 |
| Return on assets (ROA) | 0.5618% | 4,759 |
| Pretax return on assets | 0.8904% | 4,065 |
| Return on Equity (ROE) | 5.5431% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.5431% | 3,233 |
| Net charge-offs to loans | 0.0493% | 4,012 |
| Credit loss provision to net charge-offs | 1,618.7500% | 207 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 730 |
| Efficiency ratio | 64.5161% | 4,830 |
| Assets per employee ($millions) | 5.1777% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 5,082 |
| Loan loss allowance to noncurrent loans | 25.7894% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 4.0834% | 1,344 |
| Noncurrent loans to loans | 4.9877% | 1,127 |
| Net loans and leases to total assets | 70.2126% | 1,721 |
| Net loans and leases to deposits | 80.9281% | 2,069 |
| Net loans and leases to core deposits | 83.3432% | 2,631 |
| Total domestic deposits to total assets | 86.7593% | 3,088 |
| Equity capital to assets | 10.1467% | 3,924 |
| Core capital (leverage) ratio | 9.7112% | 3,753 |
| Tier 1 risk-based capital ratio | 15.2547% | 3,583 |
| Total risk-based capital ratio | 16.5072% | 3,549 |
| Memoranda: | ||
| Average total assets | $180,141,000 | 3,377 |
| Average earning assets | $159,593,500 | 3,444 |
| Average equity | $18,257,000 | 3,459 |
| Average total loans | $129,944,500 | 2,942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 2,234 |
| Cost of funding earning assets | 1.2642% | 1,658 |
| Net interest margin | 3.8915% | 3,373 |
| Noninterest income to average assets | 0.7223% | 2,485 |
| Noninterest expense to average assets | 2.8877% | 4,003 |
| Loan and lease loss provision to assets | 0.5253% | 1,994 |
| Net operating income to assets | 0.4711% | 4,535 |
| Return on assets (ROA) | 0.4711% | 4,742 |
| Pretax return on assets | 0.7374% | 4,198 |
| Return on Equity (ROE) | 4.7698% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.7698% | 2,810 |
| Net charge-offs to loans | 1.0890% | 1,583 |
| Credit loss provision to net charge-offs | 63.2392% | 5,079 |
| Earnings coverage of net charge-offs (x) | 1.5202% | 4,638 |
| Efficiency ratio | 69.5763% | 4,045 |
| Assets per employee ($millions) | 5.2665% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 6,117 |
| Loan loss allowance to noncurrent loans | 36.1840% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 2.7365% | 2,224 |
| Noncurrent loans to loans | 2.8208% | 2,325 |
| Net loans and leases to total assets | 72.4077% | 1,573 |
| Net loans and leases to deposits | 83.1568% | 2,047 |
| Net loans and leases to core deposits | 85.3256% | 2,716 |
| Total domestic deposits to total assets | 87.0737% | 2,721 |
| Equity capital to assets | 10.1228% | 4,005 |
| Core capital (leverage) ratio | 9.7250% | 3,712 |
| Tier 1 risk-based capital ratio | 15.1279% | 3,559 |
| Total risk-based capital ratio | 16.2945% | 3,572 |
| Memoranda: | ||
| Average total assets | $179,138,400 | 3,348 |
| Average earning assets | $157,805,000 | 3,445 |
| Average equity | $17,694,800 | 3,470 |
| Average total loans | $136,633,400 | 2,865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 2,252 |
| Cost of funding earning assets | 1.3202% | 1,593 |
| Net interest margin | 3.8675% | 3,533 |
| Noninterest income to average assets | 0.6013% | 3,152 |
| Noninterest expense to average assets | 2.9805% | 3,626 |
| Loan and lease loss provision to assets | 0.3170% | 2,999 |
| Net operating income to assets | 0.4532% | 4,756 |
| Return on assets (ROA) | 0.4532% | 4,951 |
| Pretax return on assets | 0.7070% | 4,446 |
| Return on Equity (ROE) | 4.6169% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.6169% | 3,432 |
| Net charge-offs to loans | 0.6017% | 2,452 |
| Credit loss provision to net charge-offs | 68.3788% | 4,535 |
| Earnings coverage of net charge-offs (x) | 2.2087% | 4,023 |
| Efficiency ratio | 74.4285% | 3,099 |
| Assets per employee ($millions) | 5.3760% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 5,343 |
| Loan loss allowance to noncurrent loans | 48.6869% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.6660% | 2,423 |
| Noncurrent loans to loans | 2.5275% | 2,742 |
| Net loans and leases to total assets | 74.0796% | 1,321 |
| Net loans and leases to deposits | 85.4808% | 1,759 |
| Net loans and leases to core deposits | 87.6612% | 2,535 |
| Total domestic deposits to total assets | 86.6623% | 2,845 |
| Equity capital to assets | 9.8111% | 4,611 |
| Core capital (leverage) ratio | 9.3628% | 4,360 |
| Tier 1 risk-based capital ratio | 14.6258% | 3,886 |
| Total risk-based capital ratio | 15.6118% | 4,044 |
| Memoranda: | ||
| Average total assets | $179,157,750 | 3,360 |
| Average earning assets | $157,652,750 | 3,471 |
| Average equity | $17,587,000 | 3,488 |
| Average total loans | $138,044,000 | 2,856 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 2,044 |
| Cost of funding earning assets | 1.3887% | 1,465 |
| Net interest margin | 3.8678% | 3,449 |
| Noninterest income to average assets | 0.5743% | 3,301 |
| Noninterest expense to average assets | 3.0267% | 3,532 |
| Loan and lease loss provision to assets | 0.2990% | 3,013 |
| Net operating income to assets | 0.4158% | 4,870 |
| Return on assets (ROA) | 0.4158% | 5,023 |
| Pretax return on assets | 0.6451% | 4,588 |
| Return on Equity (ROE) | 4.2354% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.2354% | 3,501 |
| Net charge-offs to loans | 0.4018% | 2,947 |
| Credit loss provision to net charge-offs | 95.6835% | 3,284 |
| Earnings coverage of net charge-offs (x) | 3.0216% | 3,344 |
| Efficiency ratio | 76.2242% | 2,976 |
| Assets per employee ($millions) | 4.9044% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 4,809 |
| Loan loss allowance to noncurrent loans | 45.9499% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.2369% | 2,070 |
| Noncurrent loans to loans | 2.9476% | 2,462 |
| Net loans and leases to total assets | 77.2208% | 881 |
| Net loans and leases to deposits | 89.2623% | 1,348 |
| Net loans and leases to core deposits | 91.7960% | 2,166 |
| Total domestic deposits to total assets | 86.5100% | 3,037 |
| Equity capital to assets | 10.0096% | 4,137 |
| Core capital (leverage) ratio | 9.5537% | 3,877 |
| Tier 1 risk-based capital ratio | 14.2871% | 3,950 |
| Total risk-based capital ratio | 15.2779% | 4,128 |
| Memoranda: | ||
| Average total assets | $177,949,330 | 3,399 |
| Average earning assets | $156,263,670 | 3,520 |
| Average equity | $17,471,670 | 3,500 |
| Average total loans | $138,361,330 | 2,879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 2,072 |
| Cost of funding earning assets | 1.4617% | 1,324 |
| Net interest margin | 3.7831% | 3,689 |
| Noninterest income to average assets | 0.5754% | 3,334 |
| Noninterest expense to average assets | 2.8817% | 4,140 |
| Loan and lease loss provision to assets | 0.3202% | 2,629 |
| Net operating income to assets | 0.4456% | 4,743 |
| Return on assets (ROA) | 0.4456% | 4,825 |
| Pretax return on assets | 0.6941% | 4,324 |
| Return on Equity (ROE) | 4.5823% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,429 |
| Net charge-offs to loans | 0.2976% | 2,858 |
| Credit loss provision to net charge-offs | 138.8350% | 2,015 |
| Earnings coverage of net charge-offs (x) | 4.3981% | 2,486 |
| Efficiency ratio | 73.9655% | 3,517 |
| Assets per employee ($millions) | 4.7820% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,705 |
| Loan loss allowance to noncurrent loans | 43.5393% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 3.3453% | 2,035 |
| Noncurrent loans to loans | 3.1961% | 2,347 |
| Net loans and leases to total assets | 77.0570% | 869 |
| Net loans and leases to deposits | 90.6269% | 1,168 |
| Net loans and leases to core deposits | 93.2373% | 1,981 |
| Total domestic deposits to total assets | 85.0266% | 4,019 |
| Equity capital to assets | 9.8766% | 3,925 |
| Core capital (leverage) ratio | 9.4276% | 3,917 |
| Tier 1 risk-based capital ratio | 14.1514% | 3,970 |
| Total risk-based capital ratio | 15.1463% | 4,120 |
| Memoranda: | ||
| Average total assets | $178,644,000 | 3,401 |
| Average earning assets | $156,801,000 | 3,528 |
| Average equity | $17,371,000 | 3,511 |
| Average total loans | $138,435,500 | 2,920 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 2,918 |
| Cost of funding earning assets | 1.8218% | 1,090 |
| Net interest margin | 3.5219% | 5,154 |
| Noninterest income to average assets | 0.5342% | 3,927 |
| Noninterest expense to average assets | 2.6342% | 5,277 |
| Loan and lease loss provision to assets | 0.3419% | 4,095 |
| Net operating income to assets | 0.3717% | 4,673 |
| Return on assets (ROA) | 0.3717% | 4,817 |
| Pretax return on assets | 0.5705% | 4,416 |
| Return on Equity (ROE) | 4.0516% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.0516% | 3,022 |
| Net charge-offs to loans | 0.8268% | 2,566 |
| Credit loss provision to net charge-offs | 54.1631% | 6,195 |
| Earnings coverage of net charge-offs (x) | 1.4455% | 4,672 |
| Efficiency ratio | 74.2744% | 3,339 |
| Assets per employee ($millions) | 4.8744% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,694 |
| Loan loss allowance to noncurrent loans | 38.1193% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 3.7199% | 1,847 |
| Noncurrent loans to loans | 3.5676% | 2,109 |
| Net loans and leases to total assets | 75.8076% | 1,318 |
| Net loans and leases to deposits | 90.5900% | 1,453 |
| Net loans and leases to core deposits | 93.1558% | 2,364 |
| Total domestic deposits to total assets | 83.6821% | 4,511 |
| Equity capital to assets | 9.5739% | 4,308 |
| Core capital (leverage) ratio | 9.1245% | 4,310 |
| Tier 1 risk-based capital ratio | 13.7161% | 4,052 |
| Total risk-based capital ratio | 14.6375% | 4,256 |
| Memoranda: | ||
| Average total assets | $184,569,600 | 3,301 |
| Average earning assets | $157,870,000 | 3,490 |
| Average equity | $16,931,600 | 3,605 |
| Average total loans | $140,911,800 | 2,930 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 2,890 |
| Cost of funding earning assets | 1.8891% | 1,064 |
| Net interest margin | 3.5104% | 5,251 |
| Noninterest income to average assets | 0.5366% | 3,897 |
| Noninterest expense to average assets | 2.6950% | 4,902 |
| Loan and lease loss provision to assets | 0.3010% | 4,164 |
| Net operating income to assets | 0.3448% | 4,997 |
| Return on assets (ROA) | 0.3448% | 5,168 |
| Pretax return on assets | 0.5251% | 4,836 |
| Return on Equity (ROE) | 3.7986% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.7986% | 3,785 |
| Net charge-offs to loans | 0.3807% | 3,769 |
| Credit loss provision to net charge-offs | 103.7129% | 4,134 |
| Earnings coverage of net charge-offs (x) | 2.8466% | 3,711 |
| Efficiency ratio | 76.5402% | 2,848 |
| Assets per employee ($millions) | 5.0115% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 3,074 |
| Loan loss allowance to noncurrent loans | 48.8069% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 3.7357% | 1,901 |
| Noncurrent loans to loans | 3.5385% | 2,221 |
| Net loans and leases to total assets | 74.6935% | 1,638 |
| Net loans and leases to deposits | 89.9960% | 1,717 |
| Net loans and leases to core deposits | 92.4944% | 2,728 |
| Total domestic deposits to total assets | 82.9965% | 4,588 |
| Equity capital to assets | 9.2252% | 5,269 |
| Core capital (leverage) ratio | 8.5992% | 5,348 |
| Tier 1 risk-based capital ratio | 13.3200% | 4,336 |
| Total risk-based capital ratio | 14.2217% | 4,575 |
| Memoranda: | ||
| Average total assets | $185,623,500 | 3,332 |
| Average earning assets | $157,812,000 | 3,535 |
| Average equity | $16,847,750 | 3,668 |
| Average total loans | $141,488,000 | 2,953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 2,537 |
| Cost of funding earning assets | 1.9525% | 1,034 |
| Net interest margin | 3.5424% | 5,082 |
| Noninterest income to average assets | 0.6258% | 3,161 |
| Noninterest expense to average assets | 2.7455% | 4,713 |
| Loan and lease loss provision to assets | 0.3479% | 3,636 |
| Net operating income to assets | 0.3360% | 5,043 |
| Return on assets (ROA) | 0.3360% | 5,198 |
| Pretax return on assets | 0.5105% | 4,876 |
| Return on Equity (ROE) | 3.7228% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.7228% | 3,733 |
| Net charge-offs to loans | 0.2231% | 4,262 |
| Credit loss provision to net charge-offs | 204.4304% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.0443% | 2,768 |
| Efficiency ratio | 76.1805% | 3,041 |
| Assets per employee ($millions) | 5.1658% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,748 |
| Loan loss allowance to noncurrent loans | 47.2072% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 3.8700% | 1,790 |
| Noncurrent loans to loans | 3.7908% | 2,036 |
| Net loans and leases to total assets | 74.5732% | 1,797 |
| Net loans and leases to deposits | 91.0728% | 1,683 |
| Net loans and leases to core deposits | 93.4433% | 2,798 |
| Total domestic deposits to total assets | 81.8830% | 5,037 |
| Equity capital to assets | 9.1139% | 5,274 |
| Core capital (leverage) ratio | 8.4751% | 5,456 |
| Tier 1 risk-based capital ratio | 13.1916% | 4,291 |
| Total risk-based capital ratio | 14.1727% | 4,470 |
| Memoranda: | ||
| Average total assets | $185,689,000 | 3,364 |
| Average earning assets | $156,107,000 | 3,597 |
| Average equity | $16,761,670 | 3,672 |
| Average total loans | $141,672,000 | 2,985 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6651% | 1,906 |
| Cost of funding earning assets | 2.0481% | 947 |
| Net interest margin | 3.6170% | 4,640 |
| Noninterest income to average assets | 0.6532% | 2,912 |
| Noninterest expense to average assets | 2.7227% | 4,803 |
| Loan and lease loss provision to assets | 0.4096% | 2,912 |
| Net operating income to assets | 0.3277% | 5,175 |
| Return on assets (ROA) | 0.3277% | 5,308 |
| Pretax return on assets | 0.4980% | 4,968 |
| Return on Equity (ROE) | 3.6477% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,963 |
| Net charge-offs to loans | 0.3636% | 2,961 |
| Credit loss provision to net charge-offs | 147.2868% | 2,417 |
| Earnings coverage of net charge-offs (x) | 3.2636% | 2,961 |
| Efficiency ratio | 75.0000% | 3,403 |
| Assets per employee ($millions) | 5.1267% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 3,011 |
| Loan loss allowance to noncurrent loans | 38.8524% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 4.7307% | 1,397 |
| Noncurrent loans to loans | 4.4103% | 1,708 |
| Net loans and leases to total assets | 75.3350% | 1,675 |
| Net loans and leases to deposits | 91.9661% | 1,616 |
| Net loans and leases to core deposits | 94.4225% | 2,780 |
| Total domestic deposits to total assets | 81.9160% | 5,108 |
| Equity capital to assets | 9.0750% | 5,165 |
| Core capital (leverage) ratio | 8.4365% | 5,489 |
| Tier 1 risk-based capital ratio | 12.9115% | 4,402 |
| Total risk-based capital ratio | 13.8175% | 4,647 |
| Memoranda: | ||
| Average total assets | $185,549,000 | 3,420 |
| Average earning assets | $152,724,000 | 3,710 |
| Average equity | $16,668,000 | 3,724 |
| Average total loans | $141,903,000 | 3,040 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3441% | 4,966 |
| Cost of funding earning assets | 2.5366% | 931 |
| Net interest margin | 2.8076% | 7,048 |
| Noninterest income to average assets | 0.3251% | 5,755 |
| Noninterest expense to average assets | 2.6518% | 5,588 |
| Loan and lease loss provision to assets | 1.3226% | 1,742 |
| Net operating income to assets | -0.6864% | 6,354 |
| Return on assets (ROA) | -0.6927% | 6,353 |
| Pretax return on assets | -1.1956% | 6,537 |
| Return on Equity (ROE) | -7.6081% | 6,437 |
| Retained earnings to average equity (ytd only) | -7.6081% | 6,301 |
| Net charge-offs to loans | 0.6629% | 3,194 |
| Credit loss provision to net charge-offs | 249.2292% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.2580% | 5,860 |
| Efficiency ratio | 95.0909% | 1,347 |
| Assets per employee ($millions) | 5.1816% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,141 |
| Loan loss allowance to noncurrent loans | 34.2094% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 5.4166% | 1,086 |
| Noncurrent loans to loans | 4.7849% | 1,447 |
| Net loans and leases to total assets | 75.0591% | 2,009 |
| Net loans and leases to deposits | 95.1815% | 1,435 |
| Net loans and leases to core deposits | 118.5085% | 2,076 |
| Total domestic deposits to total assets | 78.8589% | 6,017 |
| Equity capital to assets | 8.8921% | 5,294 |
| Core capital (leverage) ratio | 8.2462% | 5,732 |
| Tier 1 risk-based capital ratio | 12.3627% | 4,629 |
| Total risk-based capital ratio | 13.0895% | 5,045 |
| Memoranda: | ||
| Average total assets | $183,345,800 | 3,379 |
| Average earning assets | $160,886,800 | 3,501 |
| Average equity | $16,692,800 | 3,736 |
| Average total loans | $146,775,600 | 2,972 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 5,022 |
| Cost of funding earning assets | 2.6262% | 967 |
| Net interest margin | 2.7579% | 7,120 |
| Noninterest income to average assets | 0.2505% | 6,446 |
| Noninterest expense to average assets | 2.6834% | 5,394 |
| Loan and lease loss provision to assets | 1.7383% | 1,060 |
| Net operating income to assets | -1.0200% | 6,853 |
| Return on assets (ROA) | -1.0284% | 6,865 |
| Pretax return on assets | -1.7522% | 7,069 |
| Return on Equity (ROE) | -11.2283% | 6,971 |
| Retained earnings to average equity (ytd only) | -11.2283% | 6,898 |
| Net charge-offs to loans | 0.7474% | 2,492 |
| Credit loss provision to net charge-offs | 287.0929% | 1,453 |
| Earnings coverage of net charge-offs (x) | -0.0012% | 6,066 |
| Efficiency ratio | 100.0272% | 1,062 |
| Assets per employee ($millions) | 5.1677% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 2,710 |
| Loan loss allowance to noncurrent loans | 38.9066% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 4.4421% | 1,383 |
| Noncurrent loans to loans | 4.3105% | 1,659 |
| Net loans and leases to total assets | 76.7046% | 1,846 |
| Net loans and leases to deposits | 98.1971% | 1,302 |
| Net loans and leases to core deposits | 121.4470% | 2,120 |
| Total domestic deposits to total assets | 78.1130% | 6,052 |
| Equity capital to assets | 8.8364% | 5,730 |
| Core capital (leverage) ratio | 8.3309% | 5,782 |
| Tier 1 risk-based capital ratio | 12.6788% | 4,409 |
| Total risk-based capital ratio | 13.3756% | 4,805 |
| Memoranda: | ||
| Average total assets | $182,548,000 | 3,424 |
| Average earning assets | $160,986,000 | 3,531 |
| Average equity | $16,719,250 | 3,764 |
| Average total loans | $147,883,750 | 2,984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 4,865 |
| Cost of funding earning assets | 2.7101% | 1,008 |
| Net interest margin | 2.7450% | 7,109 |
| Noninterest income to average assets | 0.5359% | 4,142 |
| Noninterest expense to average assets | 2.7301% | 5,255 |
| Loan and lease loss provision to assets | 0.8215% | 2,040 |
| Net operating income to assets | -0.3269% | 6,356 |
| Return on assets (ROA) | -0.3396% | 6,390 |
| Pretax return on assets | -0.6109% | 6,537 |
| Return on Equity (ROE) | -3.6639% | 6,441 |
| Retained earnings to average equity (ytd only) | -3.6639% | 6,077 |
| Net charge-offs to loans | 0.0349% | 5,974 |
| Credit loss provision to net charge-offs | 2,865.3846% | 182 |
| Earnings coverage of net charge-offs (x) | 8.0385% | 2,328 |
| Efficiency ratio | 92.2160% | 1,624 |
| Assets per employee ($millions) | 5.1533% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,642 |
| Loan loss allowance to noncurrent loans | 23.0202% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 4.5413% | 1,229 |
| Noncurrent loans to loans | 4.7538% | 1,323 |
| Net loans and leases to total assets | 77.6065% | 1,839 |
| Net loans and leases to deposits | 101.2539% | 1,148 |
| Net loans and leases to core deposits | 126.1569% | 1,857 |
| Total domestic deposits to total assets | 76.6454% | 6,405 |
| Equity capital to assets | 9.4309% | 4,702 |
| Core capital (leverage) ratio | 9.4128% | 4,013 |
| Tier 1 risk-based capital ratio | 14.1801% | 3,414 |
| Total risk-based capital ratio | 15.4309% | 3,351 |
| Memoranda: | ||
| Average total assets | $181,385,000 | 3,460 |
| Average earning assets | $160,218,000 | 3,560 |
| Average equity | $16,812,670 | 3,749 |
| Average total loans | $148,800,670 | 3,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 4,255 |
| Cost of funding earning assets | 2.8276% | 916 |
| Net interest margin | 2.7898% | 7,016 |
| Noninterest income to average assets | 0.5577% | 3,861 |
| Noninterest expense to average assets | 2.6344% | 5,301 |
| Loan and lease loss provision to assets | 0.5577% | 2,248 |
| Net operating income to assets | -0.0702% | 6,360 |
| Return on assets (ROA) | -0.0959% | 6,520 |
| Pretax return on assets | -0.2075% | 6,583 |
| Return on Equity (ROE) | -1.0443% | 6,540 |
| Retained earnings to average equity (ytd only) | -1.0443% | 5,892 |
| Net charge-offs to loans | 0.0558% | 4,685 |
| Credit loss provision to net charge-offs | 1,190.4762% | 539 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,206 |
| Efficiency ratio | 87.0944% | 1,967 |
| Assets per employee ($millions) | 5.0282% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 7,345 |
| Loan loss allowance to noncurrent loans | 19.2809% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 3.9362% | 1,318 |
| Noncurrent loans to loans | 3.8233% | 1,606 |
| Net loans and leases to total assets | 81.3810% | 1,122 |
| Net loans and leases to deposits | 107.0247% | 783 |
| Net loans and leases to core deposits | 132.4013% | 1,509 |
| Total domestic deposits to total assets | 76.0394% | 6,504 |
| Equity capital to assets | 9.8285% | 4,209 |
| Core capital (leverage) ratio | 9.7956% | 3,639 |
| Tier 1 risk-based capital ratio | 14.3867% | 3,371 |
| Total risk-based capital ratio | 15.2747% | 3,497 |
| Memoranda: | ||
| Average total assets | $179,318,500 | 3,517 |
| Average earning assets | $158,577,000 | 3,601 |
| Average equity | $16,471,000 | 3,848 |
| Average total loans | $150,417,500 | 3,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1613% | 4,717 |
| Cost of funding earning assets | 3.3250% | 860 |
| Net interest margin | 2.8362% | 7,274 |
| Noninterest income to average assets | 0.5092% | 4,548 |
| Noninterest expense to average assets | 2.4459% | 6,228 |
| Loan and lease loss provision to assets | 0.3030% | 3,951 |
| Net operating income to assets | 0.2009% | 5,843 |
| Return on assets (ROA) | 0.2164% | 5,620 |
| Pretax return on assets | 0.3098% | 5,492 |
| Return on Equity (ROE) | 2.5372% | 5,404 |
| Retained earnings to average equity (ytd only) | -0.3786% | 5,400 |
| Net charge-offs to loans | 0.2917% | 3,453 |
| Credit loss provision to net charge-offs | 120.2247% | 4,468 |
| Earnings coverage of net charge-offs (x) | 2.3438% | 4,914 |
| Efficiency ratio | 80.5447% | 2,526 |
| Assets per employee ($millions) | 4.8006% | 2,176 |
| Cash dividends to net income (ytd only)* | 114.9215% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 7,745 |
| Loan loss allowance to noncurrent loans | 17.9546% | 7,315 |
| Noncurrent assets plus other real estate owned to assets | 3.4252% | 1,303 |
| Noncurrent loans to loans | 3.1241% | 1,698 |
| Net loans and leases to total assets | 85.3352% | 680 |
| Net loans and leases to deposits | 115.4681% | 547 |
| Net loans and leases to core deposits | 142.3533% | 1,154 |
| Total domestic deposits to total assets | 73.9037% | 6,674 |
| Equity capital to assets | 8.5299% | 6,034 |
| Core capital (leverage) ratio | 8.5015% | 5,579 |
| Tier 1 risk-based capital ratio | 12.2312% | 4,650 |
| Total risk-based capital ratio | 12.9240% | 4,975 |
| Memoranda: | ||
| Average total assets | $176,542,000 | 3,452 |
| Average earning assets | $157,321,200 | 3,523 |
| Average equity | $15,056,000 | 4,129 |
| Average total loans | $152,575,600 | 2,877 |