Home > American National Bank of Minnesota > Performance and Condition Ratios
American National Bank of Minnesota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0361% | 606 |
| Cost of funding earning assets | 2.1992% | 639 |
| Net interest margin | 3.8369% | 1,497 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.6312% | 1,917 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9102% | 2,514 |
| Return on assets (ROA) | 0.9102% | 2,485 |
| Pretax return on assets | 1.0092% | 2,661 |
| Return on Equity (ROE) | 10.1600% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.9912% | 2,244 |
| Net charge-offs to loans | -0.0092% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.1923% | 1,850 |
| Assets per employee ($millions) | 6.1809% | 2,665 |
| Cash dividends to net income (ytd only)* | 41.0593% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 1,866 |
| Loan loss allowance to noncurrent loans | 603.3175% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 1,396 |
| Noncurrent loans to loans | 0.2125% | 2,458 |
| Net loans and leases to total assets | 85.7200% | 175 |
| Net loans and leases to deposits | 115.2802% | 123 |
| Net loans and leases to core deposits | 187.1138% | 93 |
| Total domestic deposits to total assets | 74.3500% | 4,079 |
| Equity capital to assets | 9.4277% | 2,399 |
| Core capital (leverage) ratio | 9.8343% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9634% | 1,879 |
| Memoranda: | ||
| Average total assets | $452,226,000 | 1,853 |
| Average earning assets | $419,244,600 | 1,838 |
| Average equity | $40,492,600 | 1,870 |
| Average total loans | $389,557,800 | 1,503 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 613 |
| Cost of funding earning assets | 2.0573% | 638 |
| Net interest margin | 3.8290% | 1,539 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.6146% | 1,898 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9258% | 2,599 |
| Return on assets (ROA) | 0.9258% | 2,582 |
| Pretax return on assets | 1.0354% | 2,756 |
| Return on Equity (ROE) | 10.4800% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,791 |
| Net charge-offs to loans | -0.0134% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.0047% | 1,778 |
| Assets per employee ($millions) | 6.0759% | 2,681 |
| Cash dividends to net income (ytd only)* | 47.9080% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,068 |
| Loan loss allowance to noncurrent loans | 349.4278% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 1,118 |
| Noncurrent loans to loans | 0.3598% | 1,940 |
| Net loans and leases to total assets | 85.3400% | 189 |
| Net loans and leases to deposits | 113.4040% | 142 |
| Net loans and leases to core deposits | 174.0480% | 65 |
| Total domestic deposits to total assets | 75.2600% | 4,073 |
| Equity capital to assets | 9.1761% | 2,306 |
| Core capital (leverage) ratio | 9.5849% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3898% | 2,118 |
| Memoranda: | ||
| Average total assets | $450,936,250 | 1,849 |
| Average earning assets | $417,814,500 | 1,844 |
| Average equity | $39,835,500 | 1,877 |
| Average total loans | $387,660,750 | 1,503 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 626 |
| Cost of funding earning assets | 1.9076% | 597 |
| Net interest margin | 3.8022% | 1,618 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.6794% | 1,689 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8693% | 2,856 |
| Return on assets (ROA) | 0.8693% | 2,848 |
| Pretax return on assets | 0.9699% | 2,994 |
| Return on Equity (ROE) | 9.9700% | 2,708 |
| Retained earnings to average equity (ytd only) | 0.2642% | 4,028 |
| Net charge-offs to loans | -0.0217% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.2202% | 1,528 |
| Assets per employee ($millions) | 5.9025% | 2,791 |
| Cash dividends to net income (ytd only)* | 97.3496% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,262 |
| Loan loss allowance to noncurrent loans | 349.4905% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 929 |
| Noncurrent loans to loans | 0.3529% | 1,875 |
| Net loans and leases to total assets | 84.6000% | 237 |
| Net loans and leases to deposits | 113.9324% | 150 |
| Net loans and leases to core deposits | 163.3433% | 93 |
| Total domestic deposits to total assets | 74.2600% | 4,178 |
| Equity capital to assets | 8.9165% | 2,575 |
| Core capital (leverage) ratio | 9.3474% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6693% | 2,411 |
| Memoranda: | ||
| Average total assets | $451,376,333 | 1,849 |
| Average earning assets | $418,649,000 | 1,844 |
| Average equity | $39,361,667 | 1,902 |
| Average total loans | $387,347,667 | 1,488 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 619 |
| Cost of funding earning assets | 1.6708% | 615 |
| Net interest margin | 3.8372% | 1,607 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.6998% | 1,673 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9079% | 2,823 |
| Return on assets (ROA) | 0.9079% | 2,783 |
| Pretax return on assets | 1.0111% | 2,957 |
| Return on Equity (ROE) | 10.5300% | 2,625 |
| Retained earnings to average equity (ytd only) | -1.6400% | 4,191 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7730% | 1,552 |
| Assets per employee ($millions) | 6.0583% | 2,709 |
| Cash dividends to net income (ytd only)* | 115.5730% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,508 |
| Loan loss allowance to noncurrent loans | 876.4045% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 1,104 |
| Noncurrent loans to loans | 0.1379% | 2,810 |
| Net loans and leases to total assets | 85.3400% | 166 |
| Net loans and leases to deposits | 111.8538% | 156 |
| Net loans and leases to core deposits | 155.4842% | 109 |
| Total domestic deposits to total assets | 76.2900% | 4,141 |
| Equity capital to assets | 8.9330% | 2,565 |
| Core capital (leverage) ratio | 9.3103% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8893% | 2,432 |
| Memoranda: | ||
| Average total assets | $449,817,500 | 1,880 |
| Average earning assets | $418,009,000 | 1,870 |
| Average equity | $38,780,000 | 1,937 |
| Average total loans | $386,363,000 | 1,511 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 236 |
| Cost of funding earning assets | 0.8405% | 340 |
| Net interest margin | 4.3216% | 402 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.7596% | 1,419 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1504% | 1,971 |
| Return on assets (ROA) | 1.1504% | 1,915 |
| Pretax return on assets | 1.2904% | 2,120 |
| Return on Equity (ROE) | 13.4400% | 1,672 |
| Retained earnings to average equity (ytd only) | 9.4515% | 1,334 |
| Net charge-offs to loans | 0.0047% | 2,261 |
| Credit loss provision to net charge-offs | 3,982.3529% | 160 |
| Earnings coverage of net charge-offs (x) | 358.7059% | 426 |
| Efficiency ratio | 65.5305% | 2,289 |
| Assets per employee ($millions) | 6.1825% | 2,613 |
| Cash dividends to net income (ytd only)* | 29.6917% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,389 |
| Loan loss allowance to noncurrent loans | 585.9316% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,154 |
| Noncurrent loans to loans | 0.2047% | 2,471 |
| Net loans and leases to total assets | 84.3800% | 233 |
| Net loans and leases to deposits | 102.0753% | 362 |
| Net loans and leases to core deposits | 135.6359% | 178 |
| Total domestic deposits to total assets | 82.6700% | 3,495 |
| Equity capital to assets | 8.3116% | 2,845 |
| Core capital (leverage) ratio | 8.9859% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2514% | 2,661 |
| Memoranda: | ||
| Average total assets | $420,101,800 | 1,958 |
| Average earning assets | $388,950,800 | 1,949 |
| Average equity | $35,952,000 | 2,072 |
| Average total loans | $358,389,600 | 1,522 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 188 |
| Cost of funding earning assets | 0.6957% | 274 |
| Net interest margin | 4.3846% | 289 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.7830% | 1,278 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.1829% | 1,759 |
| Return on assets (ROA) | 1.1829% | 1,729 |
| Pretax return on assets | 1.3278% | 1,958 |
| Return on Equity (ROE) | 13.7100% | 1,505 |
| Retained earnings to average equity (ytd only) | 9.3843% | 1,523 |
| Net charge-offs to loans | 0.0046% | 2,023 |
| Credit loss provision to net charge-offs | 3,933.3333% | 140 |
| Earnings coverage of net charge-offs (x) | 381.5000% | 402 |
| Efficiency ratio | 65.2761% | 2,374 |
| Assets per employee ($millions) | 5.5336% | 3,181 |
| Cash dividends to net income (ytd only)* | 31.5746% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,548 |
| Loan loss allowance to noncurrent loans | 705.4226% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 1,284 |
| Noncurrent loans to loans | 0.1696% | 2,741 |
| Net loans and leases to total assets | 84.6100% | 206 |
| Net loans and leases to deposits | 103.1805% | 259 |
| Net loans and leases to core deposits | 123.3473% | 202 |
| Total domestic deposits to total assets | 82.0000% | 3,841 |
| Equity capital to assets | 8.4531% | 2,577 |
| Core capital (leverage) ratio | 8.8196% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0357% | 2,805 |
| Memoranda: | ||
| Average total assets | $412,297,000 | 1,996 |
| Average earning assets | $381,204,000 | 1,995 |
| Average equity | $35,562,000 | 2,123 |
| Average total loans | $351,622,000 | 1,528 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 189 |
| Cost of funding earning assets | 0.5944% | 283 |
| Net interest margin | 4.3251% | 262 |
| Noninterest income to average assets | 0.2070% | 3,957 |
| Noninterest expense to average assets | 2.8192% | 1,138 |
| Loan and lease loss provision to assets | 0.1311% | 738 |
| Net operating income to assets | 1.1482% | 1,608 |
| Return on assets (ROA) | 1.1482% | 1,589 |
| Pretax return on assets | 1.2586% | 1,876 |
| Return on Equity (ROE) | 13.2182% | 1,318 |
| Retained earnings to average equity (ytd only) | 7.0346% | 1,980 |
| Net charge-offs to loans | 0.0041% | 1,876 |
| Credit loss provision to net charge-offs | 3,800.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 402.8571% | 314 |
| Efficiency ratio | 66.9828% | 2,388 |
| Assets per employee ($millions) | 5.5261% | 3,201 |
| Cash dividends to net income (ytd only)* | 46.7811% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,899 |
| Loan loss allowance to noncurrent loans | 671.2242% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 1,318 |
| Noncurrent loans to loans | 0.1724% | 2,832 |
| Net loans and leases to total assets | 84.7335% | 152 |
| Net loans and leases to deposits | 102.6278% | 194 |
| Net loans and leases to core deposits | 117.5967% | 222 |
| Total domestic deposits to total assets | 82.5639% | 3,935 |
| Equity capital to assets | 8.3171% | 2,890 |
| Core capital (leverage) ratio | 8.9284% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2160% | 2,745 |
| Memoranda: | ||
| Average total assets | $405,857,000 | 2,032 |
| Average earning assets | $375,529,333 | 2,044 |
| Average equity | $35,254,333 | 2,190 |
| Average total loans | $345,624,333 | 1,545 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 187 |
| Cost of funding earning assets | 0.5913% | 278 |
| Net interest margin | 4.2397% | 268 |
| Noninterest income to average assets | 0.2020% | 3,953 |
| Noninterest expense to average assets | 2.8543% | 1,053 |
| Loan and lease loss provision to assets | 0.0394% | 1,646 |
| Net operating income to assets | 1.1080% | 1,507 |
| Return on assets (ROA) | 1.1080% | 1,496 |
| Pretax return on assets | 1.2332% | 1,699 |
| Return on Equity (ROE) | 12.4707% | 1,173 |
| Retained earnings to average equity (ytd only) | 0.6480% | 3,887 |
| Net charge-offs to loans | -0.0036% | 3,244 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1630% | 2,354 |
| Assets per employee ($millions) | 5.1277% | 3,643 |
| Cash dividends to net income (ytd only)* | 94.8040% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,983 |
| Loan loss allowance to noncurrent loans | 313.9498% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,305 |
| Noncurrent loans to loans | 0.3746% | 2,145 |
| Net loans and leases to total assets | 83.0905% | 120 |
| Net loans and leases to deposits | 98.6486% | 210 |
| Net loans and leases to core deposits | 110.2944% | 253 |
| Total domestic deposits to total assets | 84.2287% | 3,721 |
| Equity capital to assets | 8.6089% | 3,065 |
| Core capital (leverage) ratio | 8.9901% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6287% | 2,738 |
| Memoranda: | ||
| Average total assets | $396,031,500 | 2,071 |
| Average earning assets | $366,629,500 | 2,088 |
| Average equity | $35,186,500 | 2,243 |
| Average total loans | $336,051,500 | 1,568 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3905% | 149 |
| Cost of funding earning assets | 0.6722% | 365 |
| Net interest margin | 4.7184% | 200 |
| Noninterest income to average assets | 0.1454% | 4,427 |
| Noninterest expense to average assets | 3.0777% | 875 |
| Loan and lease loss provision to assets | 0.1017% | 1,235 |
| Net operating income to assets | 1.1977% | 1,933 |
| Return on assets (ROA) | 1.1977% | 1,986 |
| Pretax return on assets | 1.3105% | 2,324 |
| Return on Equity (ROE) | 12.7618% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.9663% | 1,559 |
| Net charge-offs to loans | -0.0007% | 3,247 |
| Credit loss provision to net charge-offs | -18,600.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5473% | 1,914 |
| Assets per employee ($millions) | 4.7192% | 3,950 |
| Cash dividends to net income (ytd only)* | 37.5770% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,906 |
| Loan loss allowance to noncurrent loans | 272.5585% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 1,248 |
| Noncurrent loans to loans | 0.4386% | 2,040 |
| Net loans and leases to total assets | 84.6423% | 91 |
| Net loans and leases to deposits | 102.0568% | 164 |
| Net loans and leases to core deposits | 116.1340% | 200 |
| Total domestic deposits to total assets | 82.9365% | 3,823 |
| Equity capital to assets | 9.1735% | 3,444 |
| Core capital (leverage) ratio | 9.2744% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4275% | 2,792 |
| Memoranda: | ||
| Average total assets | $365,955,400 | 2,121 |
| Average earning assets | $336,960,800 | 2,151 |
| Average equity | $34,344,800 | 2,321 |
| Average total loans | $298,080,800 | 1,711 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 168 |
| Cost of funding earning assets | 0.6948% | 393 |
| Net interest margin | 4.7144% | 220 |
| Noninterest income to average assets | 0.1449% | 4,473 |
| Noninterest expense to average assets | 2.9420% | 1,054 |
| Loan and lease loss provision to assets | 0.0374% | 2,244 |
| Net operating income to assets | 1.5022% | 1,272 |
| Return on assets (ROA) | 1.5022% | 1,316 |
| Pretax return on assets | 1.5022% | 1,983 |
| Return on Equity (ROE) | 15.9105% | 969 |
| Retained earnings to average equity (ytd only) | 9.6583% | 1,426 |
| Net charge-offs to loans | -0.0009% | 3,115 |
| Credit loss provision to net charge-offs | -5,050.0000% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6467% | 2,152 |
| Assets per employee ($millions) | 4.5415% | 4,096 |
| Cash dividends to net income (ytd only)* | 39.2963% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,050 |
| Loan loss allowance to noncurrent loans | 253.3974% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 1,350 |
| Noncurrent loans to loans | 0.4680% | 2,154 |
| Net loans and leases to total assets | 80.6335% | 261 |
| Net loans and leases to deposits | 97.0192% | 310 |
| Net loans and leases to core deposits | 109.1219% | 343 |
| Total domestic deposits to total assets | 83.1109% | 3,678 |
| Equity capital to assets | 9.2776% | 3,586 |
| Core capital (leverage) ratio | 9.4769% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5435% | 2,535 |
| Memoranda: | ||
| Average total assets | $360,701,250 | 2,168 |
| Average earning assets | $331,801,000 | 2,203 |
| Average equity | $34,056,250 | 2,365 |
| Average total loans | $289,724,750 | 1,774 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 182 |
| Cost of funding earning assets | 0.7223% | 413 |
| Net interest margin | 4.7445% | 241 |
| Noninterest income to average assets | 0.0305% | 4,869 |
| Noninterest expense to average assets | 2.9296% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4608% | 1,396 |
| Return on assets (ROA) | 1.4608% | 1,458 |
| Pretax return on assets | 1.4608% | 2,135 |
| Return on Equity (ROE) | 15.3761% | 1,072 |
| Retained earnings to average equity (ytd only) | 5.8731% | 2,853 |
| Net charge-offs to loans | -0.0050% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7268% | 2,050 |
| Assets per employee ($millions) | 4.4141% | 4,173 |
| Cash dividends to net income (ytd only)* | 61.8034% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,792 |
| Loan loss allowance to noncurrent loans | 245.6284% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 1,446 |
| Noncurrent loans to loans | 0.4990% | 2,183 |
| Net loans and leases to total assets | 80.0608% | 313 |
| Net loans and leases to deposits | 95.1997% | 414 |
| Net loans and leases to core deposits | 108.6989% | 397 |
| Total domestic deposits to total assets | 84.0977% | 3,400 |
| Equity capital to assets | 9.3436% | 3,474 |
| Core capital (leverage) ratio | 9.5578% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8463% | 2,421 |
| Memoranda: | ||
| Average total assets | $353,772,333 | 2,187 |
| Average earning assets | $325,092,667 | 2,222 |
| Average equity | $33,610,667 | 2,370 |
| Average total loans | $282,533,333 | 1,822 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 255 |
| Cost of funding earning assets | 0.7468% | 455 |
| Net interest margin | 4.4935% | 362 |
| Noninterest income to average assets | -0.1396% | 4,961 |
| Noninterest expense to average assets | 2.7694% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2137% | 2,093 |
| Return on assets (ROA) | 1.2137% | 2,179 |
| Pretax return on assets | 1.2137% | 2,809 |
| Return on Equity (ROE) | 12.6664% | 1,763 |
| Retained earnings to average equity (ytd only) | 12.0695% | 1,123 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5290% | 1,756 |
| Assets per employee ($millions) | 4.5868% | 4,026 |
| Cash dividends to net income (ytd only)* | 4.7125% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,400 |
| Loan loss allowance to noncurrent loans | 323.3333% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 1,737 |
| Noncurrent loans to loans | 0.4048% | 2,652 |
| Net loans and leases to total assets | 76.6183% | 577 |
| Net loans and leases to deposits | 94.9248% | 443 |
| Net loans and leases to core deposits | 108.7646% | 448 |
| Total domestic deposits to total assets | 80.7148% | 4,099 |
| Equity capital to assets | 9.6123% | 3,088 |
| Core capital (leverage) ratio | 9.8467% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8738% | 1,938 |
| Memoranda: | ||
| Average total assets | $349,678,500 | 2,191 |
| Average earning assets | $320,821,500 | 2,217 |
| Average equity | $33,506,000 | 2,376 |
| Average total loans | $277,108,000 | 1,849 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 122 |
| Cost of funding earning assets | 1.1036% | 395 |
| Net interest margin | 4.6647% | 233 |
| Noninterest income to average assets | 0.2311% | 4,116 |
| Noninterest expense to average assets | 3.1525% | 1,141 |
| Loan and lease loss provision to assets | 0.0506% | 3,747 |
| Net operating income to assets | 1.2856% | 1,287 |
| Return on assets (ROA) | 1.2856% | 1,388 |
| Pretax return on assets | 1.2856% | 2,029 |
| Return on Equity (ROE) | 12.3757% | 1,211 |
| Retained earnings to average equity (ytd only) | 1.1299% | 4,176 |
| Net charge-offs to loans | 0.1890% | 901 |
| Credit loss provision to net charge-offs | 32.6087% | 3,206 |
| Earnings coverage of net charge-offs (x) | 8.6166% | 2,587 |
| Efficiency ratio | 70.2328% | 1,921 |
| Assets per employee ($millions) | 4.1708% | 4,237 |
| Cash dividends to net income (ytd only)* | 90.8701% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,505 |
| Loan loss allowance to noncurrent loans | 368.4805% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 1,139 |
| Noncurrent loans to loans | 0.3478% | 2,952 |
| Net loans and leases to total assets | 79.8544% | 439 |
| Net loans and leases to deposits | 100.3550% | 364 |
| Net loans and leases to core deposits | 122.0053% | 286 |
| Total domestic deposits to total assets | 79.5719% | 4,122 |
| Equity capital to assets | 9.5509% | 3,561 |
| Core capital (leverage) ratio | 9.7097% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6954% | 2,366 |
| Memoranda: | ||
| Average total assets | $326,308,600 | 2,155 |
| Average earning assets | $297,830,200 | 2,198 |
| Average equity | $33,897,200 | 2,295 |
| Average total loans | $267,790,400 | 1,837 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8814% | 128 |
| Cost of funding earning assets | 1.1920% | 384 |
| Net interest margin | 4.6894% | 262 |
| Noninterest income to average assets | 0.2278% | 4,132 |
| Noninterest expense to average assets | 3.0849% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4227% | 1,053 |
| Return on assets (ROA) | 1.4227% | 1,140 |
| Pretax return on assets | 1.4227% | 1,659 |
| Return on Equity (ROE) | 13.4050% | 1,002 |
| Retained earnings to average equity (ytd only) | 12.4355% | 380 |
| Net charge-offs to loans | -0.0045% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4370% | 2,122 |
| Assets per employee ($millions) | 4.0203% | 4,296 |
| Cash dividends to net income (ytd only)* | 7.2324% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,808 |
| Loan loss allowance to noncurrent loans | 220.1789% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 790 |
| Noncurrent loans to loans | 0.6278% | 2,228 |
| Net loans and leases to total assets | 84.2210% | 260 |
| Net loans and leases to deposits | 106.1563% | 319 |
| Net loans and leases to core deposits | 126.1477% | 300 |
| Total domestic deposits to total assets | 79.3368% | 3,993 |
| Equity capital to assets | 10.7488% | 2,589 |
| Core capital (leverage) ratio | 10.5207% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8025% | 1,560 |
| Memoranda: | ||
| Average total assets | $321,342,000 | 2,165 |
| Average earning assets | $293,279,250 | 2,198 |
| Average equity | $34,105,750 | 2,269 |
| Average total loans | $264,731,750 | 1,840 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0309% | 142 |
| Cost of funding earning assets | 1.2951% | 368 |
| Net interest margin | 4.7359% | 312 |
| Noninterest income to average assets | 0.2087% | 4,237 |
| Noninterest expense to average assets | 3.1126% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4097% | 1,091 |
| Return on assets (ROA) | 1.4097% | 1,184 |
| Pretax return on assets | 1.4097% | 1,705 |
| Return on Equity (ROE) | 13.3418% | 1,021 |
| Retained earnings to average equity (ytd only) | 12.2499% | 433 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8275% | 2,117 |
| Assets per employee ($millions) | 4.2752% | 4,031 |
| Cash dividends to net income (ytd only)* | 8.1843% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,551 |
| Loan loss allowance to noncurrent loans | 277.1509% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1014% | 1,038 |
| Noncurrent loans to loans | 0.5091% | 2,623 |
| Net loans and leases to total assets | 80.2875% | 567 |
| Net loans and leases to deposits | 101.9556% | 448 |
| Net loans and leases to core deposits | 120.3723% | 415 |
| Total domestic deposits to total assets | 78.7475% | 4,075 |
| Equity capital to assets | 10.1527% | 3,067 |
| Core capital (leverage) ratio | 10.5102% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2189% | 1,722 |
| Memoranda: | ||
| Average total assets | $317,227,667 | 2,165 |
| Average earning assets | $288,944,333 | 2,194 |
| Average equity | $33,518,667 | 2,287 |
| Average total loans | $257,985,000 | 1,855 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 256 |
| Cost of funding earning assets | 1.4475% | 326 |
| Net interest margin | 4.2340% | 857 |
| Noninterest income to average assets | 0.3110% | 3,654 |
| Noninterest expense to average assets | 3.0167% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1364% | 1,737 |
| Return on assets (ROA) | 1.1364% | 1,842 |
| Pretax return on assets | 1.1364% | 2,409 |
| Return on Equity (ROE) | 10.5238% | 1,563 |
| Retained earnings to average equity (ytd only) | 9.3085% | 893 |
| Net charge-offs to loans | 0.0048% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 288.6667% | 248 |
| Efficiency ratio | 72.6382% | 1,981 |
| Assets per employee ($millions) | 3.6139% | 4,373 |
| Cash dividends to net income (ytd only)* | 11.5473% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,128 |
| Loan loss allowance to noncurrent loans | 255.0000% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 833 |
| Noncurrent loans to loans | 0.6183% | 2,444 |
| Net loans and leases to total assets | 80.7582% | 600 |
| Net loans and leases to deposits | 101.2280% | 480 |
| Net loans and leases to core deposits | 120.3178% | 457 |
| Total domestic deposits to total assets | 79.7785% | 3,898 |
| Equity capital to assets | 10.9662% | 2,885 |
| Core capital (leverage) ratio | 10.9759% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,833,000 | 2,177 |
| Average earning assets | $276,615,500 | 2,218 |
| Average equity | $32,916,000 | 2,308 |
| Average total loans | $247,714,000 | 1,881 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 262 |
| Cost of funding earning assets | 1.6050% | 295 |
| Net interest margin | 4.2987% | 1,093 |
| Noninterest income to average assets | 0.2761% | 4,029 |
| Noninterest expense to average assets | 3.4560% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7101% | 3,840 |
| Return on assets (ROA) | 0.7101% | 3,901 |
| Pretax return on assets | 0.7101% | 4,188 |
| Return on Equity (ROE) | 6.5456% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.1396% | 3,924 |
| Net charge-offs to loans | -0.0072% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9549% | 733 |
| Assets per employee ($millions) | 3.4784% | 4,495 |
| Cash dividends to net income (ytd only)* | 67.3122% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 992 |
| Loan loss allowance to noncurrent loans | 277.5424% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 722 |
| Noncurrent loans to loans | 0.5748% | 2,467 |
| Net loans and leases to total assets | 79.1952% | 897 |
| Net loans and leases to deposits | 97.1012% | 830 |
| Net loans and leases to core deposits | 113.1601% | 708 |
| Total domestic deposits to total assets | 81.5595% | 3,626 |
| Equity capital to assets | 10.6312% | 3,326 |
| Core capital (leverage) ratio | 10.6578% | 2,799 |
| Tier 1 risk-based capital ratio | 14.0921% | 3,221 |
| Total risk-based capital ratio | 15.3475% | 3,132 |
| Memoranda: | ||
| Average total assets | $298,117,600 | 2,169 |
| Average earning assets | $269,782,200 | 2,209 |
| Average equity | $32,342,200 | 2,284 |
| Average total loans | $236,627,800 | 1,910 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8816% | 305 |
| Cost of funding earning assets | 1.6107% | 281 |
| Net interest margin | 4.2709% | 1,223 |
| Noninterest income to average assets | 0.2625% | 4,171 |
| Noninterest expense to average assets | 3.4395% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6853% | 4,058 |
| Return on assets (ROA) | 0.6853% | 4,120 |
| Pretax return on assets | 0.6853% | 4,380 |
| Return on Equity (ROE) | 6.2841% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.2197% | 3,290 |
| Net charge-offs to loans | 0.0011% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 760.0300% | 126 |
| Efficiency ratio | 83.3861% | 656 |
| Assets per employee ($millions) | 3.4566% | 4,544 |
| Cash dividends to net income (ytd only)* | 32.8516% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 917 |
| Loan loss allowance to noncurrent loans | 236.8867% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 740 |
| Noncurrent loans to loans | 0.6934% | 2,226 |
| Net loans and leases to total assets | 77.8791% | 1,165 |
| Net loans and leases to deposits | 95.8254% | 1,034 |
| Net loans and leases to core deposits | 112.3660% | 828 |
| Total domestic deposits to total assets | 81.2719% | 3,671 |
| Equity capital to assets | 10.9376% | 3,154 |
| Core capital (leverage) ratio | 10.9966% | 2,643 |
| Tier 1 risk-based capital ratio | 14.6601% | 3,005 |
| Total risk-based capital ratio | 15.9164% | 2,928 |
| Memoranda: | ||
| Average total assets | $296,122,500 | 2,196 |
| Average earning assets | $267,788,500 | 2,241 |
| Average equity | $32,292,250 | 2,298 |
| Average total loans | $234,198,500 | 1,947 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8200% | 328 |
| Cost of funding earning assets | 1.6001% | 268 |
| Net interest margin | 4.2199% | 1,314 |
| Noninterest income to average assets | 0.3055% | 3,881 |
| Noninterest expense to average assets | 3.4441% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6769% | 4,078 |
| Return on assets (ROA) | 0.6769% | 4,132 |
| Pretax return on assets | 0.6769% | 4,388 |
| Return on Equity (ROE) | 6.2133% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.7205% | 3,399 |
| Net charge-offs to loans | 0.0069% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 124.6250% | 589 |
| Efficiency ratio | 83.5750% | 685 |
| Assets per employee ($millions) | 3.3950% | 4,611 |
| Cash dividends to net income (ytd only)* | 40.1204% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 882 |
| Loan loss allowance to noncurrent loans | 263.6732% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.5805% | 690 |
| Noncurrent loans to loans | 0.6319% | 2,364 |
| Net loans and leases to total assets | 77.1469% | 1,366 |
| Net loans and leases to deposits | 94.8326% | 1,171 |
| Net loans and leases to core deposits | 111.6378% | 879 |
| Total domestic deposits to total assets | 81.3506% | 3,708 |
| Equity capital to assets | 10.8589% | 3,219 |
| Core capital (leverage) ratio | 10.8946% | 2,699 |
| Tier 1 risk-based capital ratio | 14.6261% | 3,008 |
| Total risk-based capital ratio | 15.8823% | 2,929 |
| Memoranda: | ||
| Average total assets | $294,588,670 | 2,209 |
| Average earning assets | $266,358,670 | 2,254 |
| Average equity | $32,092,330 | 2,296 |
| Average total loans | $232,894,000 | 1,960 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8150% | 304 |
| Cost of funding earning assets | 1.5377% | 286 |
| Net interest margin | 4.2773% | 1,138 |
| Noninterest income to average assets | 0.3063% | 3,827 |
| Noninterest expense to average assets | 3.3955% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7795% | 3,688 |
| Return on assets (ROA) | 0.7795% | 3,739 |
| Pretax return on assets | 0.7795% | 4,096 |
| Return on Equity (ROE) | 7.1434% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.0103% | 3,310 |
| Net charge-offs to loans | 0.0517% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,605 |
| Efficiency ratio | 81.3298% | 941 |
| Assets per employee ($millions) | 3.4094% | 4,644 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 915 |
| Loan loss allowance to noncurrent loans | 324.3943% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5634% | 745 |
| Noncurrent loans to loans | 0.5153% | 2,767 |
| Net loans and leases to total assets | 77.8929% | 1,171 |
| Net loans and leases to deposits | 96.0239% | 962 |
| Net loans and leases to core deposits | 112.2547% | 818 |
| Total domestic deposits to total assets | 81.1182% | 3,948 |
| Equity capital to assets | 10.9485% | 2,907 |
| Core capital (leverage) ratio | 10.9206% | 2,648 |
| Tier 1 risk-based capital ratio | 14.8016% | 2,962 |
| Total risk-based capital ratio | 16.0581% | 2,894 |
| Memoranda: | ||
| Average total assets | $292,503,000 | 2,235 |
| Average earning assets | $264,556,500 | 2,286 |
| Average equity | $31,917,500 | 2,304 |
| Average total loans | $232,146,500 | 1,975 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 371 |
| Cost of funding earning assets | 1.0685% | 553 |
| Net interest margin | 4.4736% | 803 |
| Noninterest income to average assets | 0.2687% | 4,310 |
| Noninterest expense to average assets | 3.4743% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8361% | 3,666 |
| Return on assets (ROA) | 0.8361% | 3,663 |
| Pretax return on assets | 0.8361% | 4,078 |
| Return on Equity (ROE) | 7.1238% | 3,785 |
| Retained earnings to average equity (ytd only) | 0.1820% | 4,932 |
| Net charge-offs to loans | 0.0278% | 2,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 37.8525% | 1,368 |
| Efficiency ratio | 80.6032% | 906 |
| Assets per employee ($millions) | 3.4738% | 4,577 |
| Cash dividends to net income (ytd only)* | 97.4448% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 856 |
| Loan loss allowance to noncurrent loans | 215.1182% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7420% | 609 |
| Noncurrent loans to loans | 0.7840% | 2,047 |
| Net loans and leases to total assets | 78.1735% | 1,250 |
| Net loans and leases to deposits | 96.8912% | 986 |
| Net loans and leases to core deposits | 136.3100% | 240 |
| Total domestic deposits to total assets | 80.6818% | 3,960 |
| Equity capital to assets | 10.8750% | 2,815 |
| Core capital (leverage) ratio | 11.0960% | 2,440 |
| Tier 1 risk-based capital ratio | 14.6773% | 2,973 |
| Total risk-based capital ratio | 15.9343% | 2,898 |
| Memoranda: | ||
| Average total assets | $276,166,800 | 2,289 |
| Average earning assets | $249,506,200 | 2,339 |
| Average equity | $32,412,400 | 2,192 |
| Average total loans | $219,209,000 | 2,028 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 336 |
| Cost of funding earning assets | 0.9631% | 706 |
| Net interest margin | 4.5711% | 637 |
| Noninterest income to average assets | 0.2723% | 4,332 |
| Noninterest expense to average assets | 3.3477% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0549% | 2,851 |
| Return on assets (ROA) | 1.0549% | 2,862 |
| Pretax return on assets | 1.0549% | 3,556 |
| Return on Equity (ROE) | 8.8144% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.9729% | 2,138 |
| Net charge-offs to loans | 0.0204% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 65.2711% | 999 |
| Efficiency ratio | 76.0400% | 1,343 |
| Assets per employee ($millions) | 3.5833% | 4,453 |
| Cash dividends to net income (ytd only)* | 20.8915% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 810 |
| Loan loss allowance to noncurrent loans | 207.9683% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.7839% | 655 |
| Noncurrent loans to loans | 0.8375% | 2,032 |
| Net loans and leases to total assets | 78.5357% | 1,247 |
| Net loans and leases to deposits | 97.9798% | 952 |
| Net loans and leases to core deposits | 127.8408% | 368 |
| Total domestic deposits to total assets | 80.1551% | 4,079 |
| Equity capital to assets | 11.7790% | 2,049 |
| Core capital (leverage) ratio | 12.0197% | 1,776 |
| Tier 1 risk-based capital ratio | 15.9448% | 2,470 |
| Total risk-based capital ratio | 17.2027% | 2,404 |
| Memoranda: | ||
| Average total assets | $272,259,250 | 2,323 |
| Average earning assets | $246,002,500 | 2,376 |
| Average equity | $32,582,250 | 2,186 |
| Average total loans | $216,006,000 | 2,062 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 346 |
| Cost of funding earning assets | 0.8884% | 764 |
| Net interest margin | 4.5705% | 594 |
| Noninterest income to average assets | 0.2784% | 4,326 |
| Noninterest expense to average assets | 3.3359% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0676% | 2,721 |
| Return on assets (ROA) | 1.0676% | 2,723 |
| Pretax return on assets | 1.0676% | 3,442 |
| Return on Equity (ROE) | 8.8715% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.6342% | 1,781 |
| Net charge-offs to loans | -0.0094% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7566% | 1,456 |
| Assets per employee ($millions) | 3.4809% | 4,619 |
| Cash dividends to net income (ytd only)* | 13.9470% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 719 |
| Loan loss allowance to noncurrent loans | 246.3822% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 619 |
| Noncurrent loans to loans | 0.7407% | 2,256 |
| Net loans and leases to total assets | 77.9378% | 1,325 |
| Net loans and leases to deposits | 97.6361% | 990 |
| Net loans and leases to core deposits | 128.3919% | 362 |
| Total domestic deposits to total assets | 79.8248% | 4,266 |
| Equity capital to assets | 11.9720% | 1,873 |
| Core capital (leverage) ratio | 12.2509% | 1,570 |
| Tier 1 risk-based capital ratio | 16.1686% | 2,381 |
| Total risk-based capital ratio | 17.4271% | 2,315 |
| Memoranda: | ||
| Average total assets | $268,652,330 | 2,359 |
| Average earning assets | $242,468,000 | 2,417 |
| Average equity | $32,328,330 | 2,208 |
| Average total loans | $212,588,000 | 2,088 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 399 |
| Cost of funding earning assets | 0.7942% | 973 |
| Net interest margin | 4.5176% | 595 |
| Noninterest income to average assets | 0.2381% | 4,574 |
| Noninterest expense to average assets | 3.2966% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0125% | 2,807 |
| Return on assets (ROA) | 1.0125% | 2,830 |
| Pretax return on assets | 1.0125% | 3,489 |
| Return on Equity (ROE) | 8.3917% | 3,196 |
| Retained earnings to average equity (ytd only) | 5.8942% | 2,761 |
| Net charge-offs to loans | -0.0420% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5035% | 1,520 |
| Assets per employee ($millions) | 3.4595% | 4,712 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 662 |
| Loan loss allowance to noncurrent loans | 206.8323% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 519 |
| Noncurrent loans to loans | 0.9161% | 1,989 |
| Net loans and leases to total assets | 77.6687% | 1,285 |
| Net loans and leases to deposits | 97.7908% | 882 |
| Net loans and leases to core deposits | 126.2853% | 413 |
| Total domestic deposits to total assets | 79.4233% | 4,505 |
| Equity capital to assets | 12.0919% | 1,720 |
| Core capital (leverage) ratio | 12.1689% | 1,550 |
| Tier 1 risk-based capital ratio | 16.1231% | 2,417 |
| Total risk-based capital ratio | 17.3823% | 2,366 |
| Memoranda: | ||
| Average total assets | $265,483,000 | 2,398 |
| Average earning assets | $239,241,000 | 2,455 |
| Average equity | $32,031,500 | 2,240 |
| Average total loans | $209,729,000 | 2,117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 374 |
| Cost of funding earning assets | 0.6661% | 1,208 |
| Net interest margin | 4.6225% | 479 |
| Noninterest income to average assets | 0.3651% | 3,856 |
| Noninterest expense to average assets | 3.7422% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7545% | 3,372 |
| Return on assets (ROA) | 0.7545% | 3,411 |
| Pretax return on assets | 0.7545% | 4,375 |
| Return on Equity (ROE) | 6.0517% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.5049% | 3,181 |
| Net charge-offs to loans | 0.0310% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.1639% | 1,507 |
| Efficiency ratio | 83.2215% | 838 |
| Assets per employee ($millions) | 3.4813% | 4,723 |
| Cash dividends to net income (ytd only)* | 42.0831% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 642 |
| Loan loss allowance to noncurrent loans | 178.8479% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 2.3974% | 403 |
| Noncurrent loans to loans | 1.0654% | 1,671 |
| Net loans and leases to total assets | 77.3261% | 1,375 |
| Net loans and leases to deposits | 98.6618% | 851 |
| Net loans and leases to core deposits | 128.2043% | 380 |
| Total domestic deposits to total assets | 78.3749% | 4,659 |
| Equity capital to assets | 12.0386% | 1,806 |
| Core capital (leverage) ratio | 12.2869% | 1,456 |
| Tier 1 risk-based capital ratio | 15.9954% | 2,431 |
| Total risk-based capital ratio | 17.2546% | 2,370 |
| Memoranda: | ||
| Average total assets | $251,964,000 | 2,478 |
| Average earning assets | $225,203,200 | 2,546 |
| Average equity | $31,412,800 | 2,261 |
| Average total loans | $196,702,000 | 2,182 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2865% | 350 |
| Cost of funding earning assets | 0.6438% | 1,283 |
| Net interest margin | 4.6427% | 457 |
| Noninterest income to average assets | 0.3837% | 3,790 |
| Noninterest expense to average assets | 3.6879% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8381% | 3,334 |
| Return on assets (ROA) | 0.8381% | 3,379 |
| Pretax return on assets | 0.8381% | 4,245 |
| Return on Equity (ROE) | 6.6616% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.9579% | 2,917 |
| Net charge-offs to loans | 0.0427% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.2272% | 1,736 |
| Efficiency ratio | 81.4824% | 958 |
| Assets per employee ($millions) | 3.3544% | 4,909 |
| Cash dividends to net income (ytd only)* | 25.5755% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 599 |
| Loan loss allowance to noncurrent loans | 135.0442% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 2.9039% | 316 |
| Noncurrent loans to loans | 1.4605% | 1,280 |
| Net loans and leases to total assets | 77.4588% | 1,359 |
| Net loans and leases to deposits | 98.5389% | 863 |
| Net loans and leases to core deposits | 126.0238% | 410 |
| Total domestic deposits to total assets | 78.6073% | 4,607 |
| Equity capital to assets | 12.5664% | 1,623 |
| Core capital (leverage) ratio | 12.6936% | 1,336 |
| Tier 1 risk-based capital ratio | 16.5280% | 2,314 |
| Total risk-based capital ratio | 17.7881% | 2,267 |
| Memoranda: | ||
| Average total assets | $248,809,500 | 2,516 |
| Average earning assets | $221,992,750 | 2,587 |
| Average equity | $31,303,000 | 2,281 |
| Average total loans | $193,736,250 | 2,223 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 401 |
| Cost of funding earning assets | 0.6268% | 1,293 |
| Net interest margin | 4.5639% | 504 |
| Noninterest income to average assets | 0.3623% | 3,967 |
| Noninterest expense to average assets | 3.8028% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6257% | 4,179 |
| Return on assets (ROA) | 0.6257% | 4,231 |
| Pretax return on assets | 0.6257% | 4,747 |
| Return on Equity (ROE) | 4.9712% | 4,487 |
| Retained earnings to average equity (ytd only) | 3.6834% | 3,507 |
| Net charge-offs to loans | 0.0743% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.8732% | 2,313 |
| Efficiency ratio | 85.8712% | 699 |
| Assets per employee ($millions) | 3.3566% | 4,912 |
| Cash dividends to net income (ytd only)* | 25.9067% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0354% | 566 |
| Loan loss allowance to noncurrent loans | 145.0421% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.9347% | 318 |
| Noncurrent loans to loans | 1.4033% | 1,367 |
| Net loans and leases to total assets | 75.7875% | 1,572 |
| Net loans and leases to deposits | 96.5537% | 1,023 |
| Net loans and leases to core deposits | 123.0329% | 464 |
| Total domestic deposits to total assets | 78.4926% | 4,733 |
| Equity capital to assets | 12.5003% | 1,622 |
| Core capital (leverage) ratio | 12.6347% | 1,323 |
| Tier 1 risk-based capital ratio | 16.5357% | 2,308 |
| Total risk-based capital ratio | 17.7964% | 2,254 |
| Memoranda: | ||
| Average total assets | $246,768,330 | 2,543 |
| Average earning assets | $219,856,330 | 2,614 |
| Average equity | $31,058,670 | 2,295 |
| Average total loans | $191,168,000 | 2,250 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 490 |
| Cost of funding earning assets | 0.5992% | 1,378 |
| Net interest margin | 4.4392% | 590 |
| Noninterest income to average assets | 0.3733% | 3,857 |
| Noninterest expense to average assets | 3.9299% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3979% | 4,948 |
| Return on assets (ROA) | 0.3979% | 4,974 |
| Pretax return on assets | 0.3979% | 5,161 |
| Return on Equity (ROE) | 3.1504% | 5,055 |
| Retained earnings to average equity (ytd only) | 0.5575% | 4,789 |
| Net charge-offs to loans | 0.1817% | 930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.8256% | 2,545 |
| Efficiency ratio | 90.8059% | 516 |
| Assets per employee ($millions) | 3.5175% | 4,773 |
| Cash dividends to net income (ytd only)* | 82.3045% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 594 |
| Loan loss allowance to noncurrent loans | 107.4266% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 3.5138% | 242 |
| Noncurrent loans to loans | 1.9199% | 943 |
| Net loans and leases to total assets | 76.1573% | 1,392 |
| Net loans and leases to deposits | 97.3882% | 821 |
| Net loans and leases to core deposits | 120.9160% | 442 |
| Total domestic deposits to total assets | 78.1997% | 4,947 |
| Equity capital to assets | 12.5421% | 1,501 |
| Core capital (leverage) ratio | 12.6186% | 1,280 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,388 |
| Total risk-based capital ratio | 17.6893% | 2,329 |
| Memoranda: | ||
| Average total assets | $244,279,500 | 2,581 |
| Average earning assets | $217,609,000 | 2,663 |
| Average equity | $30,853,500 | 2,306 |
| Average total loans | $189,374,000 | 2,281 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 341 |
| Cost of funding earning assets | 0.5936% | 1,386 |
| Net interest margin | 4.7268% | 406 |
| Noninterest income to average assets | 0.2675% | 4,814 |
| Noninterest expense to average assets | 3.5388% | 1,104 |
| Loan and lease loss provision to assets | -0.1239% | 5,718 |
| Net operating income to assets | 1.0404% | 2,185 |
| Return on assets (ROA) | 1.0404% | 2,282 |
| Pretax return on assets | 1.0404% | 3,326 |
| Return on Equity (ROE) | 8.2949% | 2,785 |
| Retained earnings to average equity (ytd only) | 3.6866% | 3,287 |
| Net charge-offs to loans | 0.0178% | 3,712 |
| Credit loss provision to net charge-offs | -909.0909% | 5,281 |
| Earnings coverage of net charge-offs (x) | 67.2727% | 822 |
| Efficiency ratio | 79.4292% | 1,489 |
| Assets per employee ($millions) | 3.5121% | 4,744 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 495 |
| Loan loss allowance to noncurrent loans | 108.3803% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 3.4065% | 263 |
| Noncurrent loans to loans | 1.9879% | 909 |
| Net loans and leases to total assets | 75.6170% | 1,578 |
| Net loans and leases to deposits | 97.0177% | 908 |
| Net loans and leases to core deposits | 119.9130% | 485 |
| Total domestic deposits to total assets | 77.9415% | 4,983 |
| Equity capital to assets | 12.7201% | 1,388 |
| Core capital (leverage) ratio | 12.8644% | 1,184 |
| Tier 1 risk-based capital ratio | 16.6803% | 2,277 |
| Total risk-based capital ratio | 17.9420% | 2,214 |
| Memoranda: | ||
| Average total assets | $242,226,000 | 2,563 |
| Average earning assets | $214,606,000 | 2,652 |
| Average equity | $30,380,200 | 2,325 |
| Average total loans | $185,671,800 | 2,253 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 356 |
| Cost of funding earning assets | 0.5903% | 1,410 |
| Net interest margin | 4.7296% | 412 |
| Noninterest income to average assets | 0.2560% | 4,931 |
| Noninterest expense to average assets | 3.3223% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1192% | 1,920 |
| Return on assets (ROA) | 1.1192% | 2,027 |
| Pretax return on assets | 1.1192% | 3,154 |
| Return on Equity (ROE) | 8.9550% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.6692% | 3,695 |
| Net charge-offs to loans | -0.0331% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8017% | 2,144 |
| Assets per employee ($millions) | 3.6298% | 4,598 |
| Cash dividends to net income (ytd only)* | 59.0260% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3529% | 405 |
| Loan loss allowance to noncurrent loans | 125.0071% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 3.4416% | 293 |
| Noncurrent loans to loans | 1.8822% | 1,072 |
| Net loans and leases to total assets | 76.4641% | 1,446 |
| Net loans and leases to deposits | 98.5332% | 808 |
| Net loans and leases to core deposits | 111.9708% | 809 |
| Total domestic deposits to total assets | 77.6024% | 4,982 |
| Equity capital to assets | 12.8758% | 1,559 |
| Core capital (leverage) ratio | 12.6742% | 1,323 |
| Tier 1 risk-based capital ratio | 16.6669% | 2,349 |
| Total risk-based capital ratio | 17.9314% | 2,293 |
| Memoranda: | ||
| Average total assets | $242,199,250 | 2,570 |
| Average earning assets | $214,332,500 | 2,663 |
| Average equity | $30,269,000 | 2,349 |
| Average total loans | $185,269,750 | 2,261 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 367 |
| Cost of funding earning assets | 0.5897% | 1,403 |
| Net interest margin | 4.7015% | 421 |
| Noninterest income to average assets | 0.2189% | 5,181 |
| Noninterest expense to average assets | 3.3652% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0063% | 2,362 |
| Return on assets (ROA) | 1.0063% | 2,498 |
| Pretax return on assets | 1.0063% | 3,556 |
| Return on Equity (ROE) | 8.1325% | 2,925 |
| Retained earnings to average equity (ytd only) | 0.1529% | 5,255 |
| Net charge-offs to loans | -0.0564% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9810% | 1,934 |
| Assets per employee ($millions) | 3.8027% | 4,261 |
| Cash dividends to net income (ytd only)* | 98.1194% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3862% | 414 |
| Loan loss allowance to noncurrent loans | 147.8755% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 3.3310% | 336 |
| Noncurrent loans to loans | 1.6137% | 1,326 |
| Net loans and leases to total assets | 75.4727% | 1,570 |
| Net loans and leases to deposits | 96.8961% | 975 |
| Net loans and leases to core deposits | 107.2197% | 1,081 |
| Total domestic deposits to total assets | 77.8904% | 5,020 |
| Equity capital to assets | 12.5629% | 1,732 |
| Core capital (leverage) ratio | 12.3387% | 1,435 |
| Tier 1 risk-based capital ratio | 16.3154% | 2,494 |
| Total risk-based capital ratio | 17.5799% | 2,435 |
| Memoranda: | ||
| Average total assets | $243,077,000 | 2,585 |
| Average earning assets | $214,696,330 | 2,667 |
| Average equity | $30,076,670 | 2,362 |
| Average total loans | $184,494,330 | 2,271 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 428 |
| Cost of funding earning assets | 0.5882% | 1,422 |
| Net interest margin | 4.5945% | 507 |
| Noninterest income to average assets | 0.2761% | 4,748 |
| Noninterest expense to average assets | 3.1744% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1469% | 1,721 |
| Return on assets (ROA) | 1.1469% | 1,837 |
| Pretax return on assets | 1.1469% | 2,905 |
| Return on Equity (ROE) | 9.3393% | 2,267 |
| Retained earnings to average equity (ytd only) | 1.3570% | 4,716 |
| Net charge-offs to loans | -0.0673% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4594% | 2,567 |
| Assets per employee ($millions) | 3.6836% | 4,497 |
| Cash dividends to net income (ytd only)* | 85.4701% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3864% | 453 |
| Loan loss allowance to noncurrent loans | 163.7142% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 4.7044% | 180 |
| Noncurrent loans to loans | 1.4576% | 1,620 |
| Net loans and leases to total assets | 75.1530% | 1,524 |
| Net loans and leases to deposits | 96.6043% | 883 |
| Net loans and leases to core deposits | 98.6887% | 1,587 |
| Total domestic deposits to total assets | 77.7946% | 5,178 |
| Equity capital to assets | 12.5902% | 1,625 |
| Core capital (leverage) ratio | 12.1103% | 1,541 |
| Tier 1 risk-based capital ratio | 16.2785% | 2,562 |
| Total risk-based capital ratio | 17.5428% | 2,514 |
| Memoranda: | ||
| Average total assets | $244,830,500 | 2,583 |
| Average earning assets | $215,561,000 | 2,673 |
| Average equity | $30,066,500 | 2,363 |
| Average total loans | $184,126,500 | 2,272 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 576 |
| Cost of funding earning assets | 0.5641% | 1,642 |
| Net interest margin | 4.4802% | 680 |
| Noninterest income to average assets | -0.1547% | 6,155 |
| Noninterest expense to average assets | 3.3599% | 1,579 |
| Loan and lease loss provision to assets | 0.0271% | 3,837 |
| Net operating income to assets | 0.3701% | 5,144 |
| Return on assets (ROA) | 0.3757% | 5,209 |
| Pretax return on assets | 0.3757% | 5,369 |
| Return on Equity (ROE) | 3.0901% | 5,274 |
| Retained earnings to average equity (ytd only) | 1.1219% | 5,067 |
| Net charge-offs to loans | 0.2470% | 1,218 |
| Credit loss provision to net charge-offs | 14.9780% | 3,786 |
| Earnings coverage of net charge-offs (x) | 2.1938% | 3,956 |
| Efficiency ratio | 89.4279% | 725 |
| Assets per employee ($millions) | 3.9719% | 3,991 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 471 |
| Loan loss allowance to noncurrent loans | 156.6714% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 4.7181% | 192 |
| Noncurrent loans to loans | 1.5159% | 1,535 |
| Net loans and leases to total assets | 71.7526% | 2,097 |
| Net loans and leases to deposits | 90.9674% | 1,509 |
| Net loans and leases to core deposits | 92.8150% | 2,149 |
| Total domestic deposits to total assets | 78.8773% | 5,000 |
| Equity capital to assets | 11.9843% | 1,959 |
| Core capital (leverage) ratio | 11.8529% | 1,725 |
| Tier 1 risk-based capital ratio | 15.9656% | 2,704 |
| Total risk-based capital ratio | 17.2294% | 2,635 |
| Memoranda: | ||
| Average total assets | $250,749,800 | 2,499 |
| Average earning assets | $218,941,000 | 2,598 |
| Average equity | $30,484,600 | 2,287 |
| Average total loans | $183,835,600 | 2,199 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 561 |
| Cost of funding earning assets | 0.5619% | 1,698 |
| Net interest margin | 4.4911% | 666 |
| Noninterest income to average assets | 0.3109% | 4,719 |
| Noninterest expense to average assets | 3.1717% | 2,043 |
| Loan and lease loss provision to assets | 0.0361% | 3,492 |
| Net operating income to assets | 1.0151% | 2,393 |
| Return on assets (ROA) | 1.0225% | 2,457 |
| Pretax return on assets | 1.0225% | 3,531 |
| Return on Equity (ROE) | 8.3808% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.7673% | 2,390 |
| Net charge-offs to loans | 0.3242% | 820 |
| Credit loss provision to net charge-offs | 15.2125% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.4250% | 3,352 |
| Efficiency ratio | 75.1070% | 2,391 |
| Assets per employee ($millions) | 4.0499% | 3,804 |
| Cash dividends to net income (ytd only)* | 31.1850% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4132% | 493 |
| Loan loss allowance to noncurrent loans | 88.9589% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 6.4374% | 127 |
| Noncurrent loans to loans | 2.7127% | 704 |
| Net loans and leases to total assets | 70.4606% | 2,318 |
| Net loans and leases to deposits | 89.7685% | 1,683 |
| Net loans and leases to core deposits | 91.8293% | 2,283 |
| Total domestic deposits to total assets | 78.4914% | 5,090 |
| Equity capital to assets | 12.3551% | 1,825 |
| Core capital (leverage) ratio | 12.0904% | 1,626 |
| Tier 1 risk-based capital ratio | 16.4447% | 2,606 |
| Total risk-based capital ratio | 17.7082% | 2,559 |
| Memoranda: | ||
| Average total assets | $250,880,250 | 2,519 |
| Average earning assets | $218,531,000 | 2,618 |
| Average equity | $30,608,750 | 2,289 |
| Average total loans | $183,816,250 | 2,220 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 545 |
| Cost of funding earning assets | 0.5605% | 1,731 |
| Net interest margin | 4.5004% | 636 |
| Noninterest income to average assets | 0.4178% | 3,940 |
| Noninterest expense to average assets | 3.1490% | 2,122 |
| Loan and lease loss provision to assets | 0.0542% | 3,030 |
| Net operating income to assets | 1.1395% | 1,807 |
| Return on assets (ROA) | 1.1507% | 1,847 |
| Pretax return on assets | 1.1507% | 2,968 |
| Return on Equity (ROE) | 9.4714% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.4714% | 789 |
| Net charge-offs to loans | 0.2881% | 908 |
| Credit loss provision to net charge-offs | 25.5639% | 2,969 |
| Earnings coverage of net charge-offs (x) | 5.6278% | 2,904 |
| Efficiency ratio | 72.5119% | 2,927 |
| Assets per employee ($millions) | 4.3270% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 513 |
| Loan loss allowance to noncurrent loans | 70.0923% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 6.8782% | 129 |
| Noncurrent loans to loans | 3.4909% | 503 |
| Net loans and leases to total assets | 72.3774% | 1,919 |
| Net loans and leases to deposits | 92.7280% | 1,281 |
| Net loans and leases to core deposits | 94.9916% | 1,879 |
| Total domestic deposits to total assets | 78.0535% | 5,272 |
| Equity capital to assets | 12.3977% | 1,724 |
| Core capital (leverage) ratio | 12.2426% | 1,516 |
| Tier 1 risk-based capital ratio | 16.2720% | 2,721 |
| Total risk-based capital ratio | 17.5365% | 2,674 |
| Memoranda: | ||
| Average total assets | $250,808,670 | 2,546 |
| Average earning assets | $218,737,670 | 2,633 |
| Average equity | $30,470,670 | 2,304 |
| Average total loans | $184,655,670 | 2,226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 573 |
| Cost of funding earning assets | 0.5625% | 1,727 |
| Net interest margin | 4.4307% | 689 |
| Noninterest income to average assets | 0.3765% | 4,188 |
| Noninterest expense to average assets | 3.1077% | 2,245 |
| Loan and lease loss provision to assets | 0.1085% | 1,893 |
| Net operating income to assets | 1.0178% | 2,180 |
| Return on assets (ROA) | 1.0402% | 2,220 |
| Pretax return on assets | 1.0402% | 3,340 |
| Return on Equity (ROE) | 8.6504% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.6504% | 1,324 |
| Net charge-offs to loans | 0.7309% | 324 |
| Credit loss provision to net charge-offs | 20.2381% | 2,357 |
| Earnings coverage of net charge-offs (x) | 2.1012% | 2,819 |
| Efficiency ratio | 73.3986% | 2,925 |
| Assets per employee ($millions) | 4.4513% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3982% | 615 |
| Loan loss allowance to noncurrent loans | 67.6519% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 7.0127% | 132 |
| Noncurrent loans to loans | 3.5449% | 536 |
| Net loans and leases to total assets | 71.9572% | 1,808 |
| Net loans and leases to deposits | 91.1872% | 1,274 |
| Net loans and leases to core deposits | 92.7732% | 1,879 |
| Total domestic deposits to total assets | 78.9115% | 5,283 |
| Equity capital to assets | 12.0035% | 2,026 |
| Core capital (leverage) ratio | 12.1007% | 1,575 |
| Tier 1 risk-based capital ratio | 15.9388% | 2,950 |
| Total risk-based capital ratio | 17.2028% | 2,886 |
| Memoranda: | ||
| Average total assets | $250,730,500 | 2,553 |
| Average earning assets | $218,294,500 | 2,658 |
| Average equity | $30,149,000 | 2,337 |
| Average total loans | $183,884,500 | 2,243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 499 |
| Cost of funding earning assets | 0.6131% | 1,651 |
| Net interest margin | 4.6090% | 609 |
| Noninterest income to average assets | -1.1046% | 6,505 |
| Noninterest expense to average assets | 3.4025% | 1,693 |
| Loan and lease loss provision to assets | 0.1934% | 1,319 |
| Net operating income to assets | -0.8406% | 6,349 |
| Return on assets (ROA) | -0.8330% | 6,348 |
| Pretax return on assets | -0.8330% | 6,343 |
| Return on Equity (ROE) | -6.6338% | 6,322 |
| Retained earnings to average equity (ytd only) | -6.6338% | 6,238 |
| Net charge-offs to loans | -0.0203% | 5,703 |
| Credit loss provision to net charge-offs | -1,371.4286% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4898% | 108 |
| Assets per employee ($millions) | 4.0612% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6307% | 470 |
| Loan loss allowance to noncurrent loans | 82.5204% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 7.0951% | 144 |
| Noncurrent loans to loans | 3.1880% | 683 |
| Net loans and leases to total assets | 71.0255% | 2,069 |
| Net loans and leases to deposits | 86.7000% | 1,886 |
| Net loans and leases to core deposits | 88.6392% | 2,426 |
| Total domestic deposits to total assets | 81.9210% | 4,448 |
| Equity capital to assets | 12.0459% | 1,990 |
| Core capital (leverage) ratio | 11.7605% | 1,788 |
| Tier 1 risk-based capital ratio | 15.8807% | 3,017 |
| Total risk-based capital ratio | 17.1470% | 2,958 |
| Memoranda: | ||
| Average total assets | $248,141,400 | 2,543 |
| Average earning assets | $207,812,600 | 2,728 |
| Average equity | $31,158,800 | 2,210 |
| Average total loans | $172,354,800 | 2,302 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 501 |
| Cost of funding earning assets | 0.6174% | 1,700 |
| Net interest margin | 4.6004% | 616 |
| Noninterest income to average assets | -0.9184% | 6,581 |
| Noninterest expense to average assets | 3.2902% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3910% | 6,341 |
| Return on assets (ROA) | -0.3808% | 6,338 |
| Pretax return on assets | -0.3808% | 6,324 |
| Return on Equity (ROE) | -3.0021% | 6,315 |
| Retained earnings to average equity (ytd only) | -3.0021% | 6,145 |
| Net charge-offs to loans | -0.0838% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4865% | 187 |
| Assets per employee ($millions) | 4.2766% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4550% | 680 |
| Loan loss allowance to noncurrent loans | 61.7505% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 8.3672% | 122 |
| Noncurrent loans to loans | 3.9758% | 537 |
| Net loans and leases to total assets | 69.6163% | 2,253 |
| Net loans and leases to deposits | 85.5213% | 1,964 |
| Net loans and leases to core deposits | 86.9130% | 2,555 |
| Total domestic deposits to total assets | 81.4023% | 4,697 |
| Equity capital to assets | 12.5499% | 1,663 |
| Core capital (leverage) ratio | 12.3745% | 1,478 |
| Tier 1 risk-based capital ratio | 16.5305% | 2,806 |
| Total risk-based capital ratio | 17.7938% | 2,750 |
| Memoranda: | ||
| Average total assets | $248,243,000 | 2,555 |
| Average earning assets | $206,004,250 | 2,763 |
| Average equity | $31,488,000 | 2,199 |
| Average total loans | $170,266,250 | 2,339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 436 |
| Cost of funding earning assets | 0.6273% | 1,662 |
| Net interest margin | 4.6638% | 520 |
| Noninterest income to average assets | -0.8514% | 6,653 |
| Noninterest expense to average assets | 3.3490% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3858% | 6,406 |
| Return on assets (ROA) | -0.3705% | 6,406 |
| Pretax return on assets | -0.3705% | 6,387 |
| Return on Equity (ROE) | -2.9107% | 6,376 |
| Retained earnings to average equity (ytd only) | -2.9107% | 6,090 |
| Net charge-offs to loans | -0.1036% | 6,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0198% | 199 |
| Assets per employee ($millions) | 4.1591% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 679 |
| Loan loss allowance to noncurrent loans | 118.0033% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 10.0850% | 98 |
| Noncurrent loans to loans | 2.1524% | 1,540 |
| Net loans and leases to total assets | 67.6478% | 2,474 |
| Net loans and leases to deposits | 83.5747% | 2,073 |
| Net loans and leases to core deposits | 85.0904% | 2,601 |
| Total domestic deposits to total assets | 80.9429% | 5,001 |
| Equity capital to assets | 12.7987% | 1,492 |
| Core capital (leverage) ratio | 12.6120% | 1,340 |
| Tier 1 risk-based capital ratio | 16.5109% | 2,824 |
| Total risk-based capital ratio | 17.7743% | 2,784 |
| Memoranda: | ||
| Average total assets | $248,310,330 | 2,559 |
| Average earning assets | $203,095,330 | 2,804 |
| Average equity | $31,607,670 | 2,182 |
| Average total loans | $168,014,000 | 2,358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 406 |
| Cost of funding earning assets | 0.6371% | 1,671 |
| Net interest margin | 4.6667% | 494 |
| Noninterest income to average assets | -0.0320% | 6,643 |
| Noninterest expense to average assets | 3.2670% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4900% | 4,740 |
| Return on assets (ROA) | 0.4900% | 4,819 |
| Pretax return on assets | 0.4900% | 5,202 |
| Return on Equity (ROE) | 3.8602% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.8602% | 3,808 |
| Net charge-offs to loans | -0.1342% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9565% | 1,341 |
| Assets per employee ($millions) | 4.0490% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5927% | 720 |
| Loan loss allowance to noncurrent loans | 121.3963% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 11.2876% | 86 |
| Noncurrent loans to loans | 2.1357% | 1,715 |
| Net loans and leases to total assets | 65.3331% | 2,668 |
| Net loans and leases to deposits | 80.8106% | 2,187 |
| Net loans and leases to core deposits | 82.5886% | 2,678 |
| Total domestic deposits to total assets | 80.8472% | 5,275 |
| Equity capital to assets | 12.9302% | 1,337 |
| Core capital (leverage) ratio | 12.7250% | 1,286 |
| Tier 1 risk-based capital ratio | 16.9770% | 2,704 |
| Total risk-based capital ratio | 18.2403% | 2,649 |
| Memoranda: | ||
| Average total assets | $249,773,500 | 2,557 |
| Average earning assets | $202,800,500 | 2,823 |
| Average equity | $31,708,500 | 2,170 |
| Average total loans | $166,859,500 | 2,375 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 441 |
| Cost of funding earning assets | 0.7556% | 1,471 |
| Net interest margin | 4.6385% | 560 |
| Noninterest income to average assets | 0.1681% | 6,077 |
| Noninterest expense to average assets | 3.3523% | 1,991 |
| Loan and lease loss provision to assets | 0.1147% | 2,897 |
| Net operating income to assets | 0.4796% | 4,818 |
| Return on assets (ROA) | 0.4796% | 4,964 |
| Pretax return on assets | 0.4796% | 5,260 |
| Return on Equity (ROE) | 3.9104% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.9104% | 3,423 |
| Net charge-offs to loans | 0.3004% | 2,186 |
| Credit loss provision to net charge-offs | 56.9201% | 3,654 |
| Earnings coverage of net charge-offs (x) | 2.9493% | 4,010 |
| Efficiency ratio | 84.9408% | 1,525 |
| Assets per employee ($millions) | 4.3545% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5223% | 809 |
| Loan loss allowance to noncurrent loans | 117.7827% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 11.6551% | 88 |
| Noncurrent loans to loans | 2.1415% | 1,836 |
| Net loans and leases to total assets | 64.8641% | 2,894 |
| Net loans and leases to deposits | 80.7998% | 2,345 |
| Net loans and leases to core deposits | 82.5373% | 2,829 |
| Total domestic deposits to total assets | 80.2775% | 5,379 |
| Equity capital to assets | 12.4648% | 1,527 |
| Core capital (leverage) ratio | 12.5301% | 1,340 |
| Tier 1 risk-based capital ratio | 16.3324% | 2,947 |
| Total risk-based capital ratio | 17.5941% | 2,891 |
| Memoranda: | ||
| Average total assets | $254,572,600 | 2,491 |
| Average earning assets | $207,371,600 | 2,751 |
| Average equity | $31,224,800 | 2,175 |
| Average total loans | $170,750,400 | 2,295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 644 |
| Cost of funding earning assets | 0.7833% | 1,414 |
| Net interest margin | 4.4167% | 860 |
| Noninterest income to average assets | 0.4751% | 3,973 |
| Noninterest expense to average assets | 3.2559% | 2,190 |
| Loan and lease loss provision to assets | 0.1526% | 2,358 |
| Net operating income to assets | 0.6743% | 3,988 |
| Return on assets (ROA) | 0.6743% | 4,134 |
| Pretax return on assets | 0.6743% | 4,775 |
| Return on Equity (ROE) | 5.5196% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.5196% | 2,711 |
| Net charge-offs to loans | 0.4550% | 1,409 |
| Credit loss provision to net charge-offs | 49.9145% | 3,504 |
| Earnings coverage of net charge-offs (x) | 2.7043% | 3,936 |
| Efficiency ratio | 79.7465% | 2,139 |
| Assets per employee ($millions) | 4.3254% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4755% | 962 |
| Loan loss allowance to noncurrent loans | 51.0724% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 13.2962% | 67 |
| Noncurrent loans to loans | 4.8471% | 640 |
| Net loans and leases to total assets | 65.4355% | 2,728 |
| Net loans and leases to deposits | 80.4392% | 2,349 |
| Net loans and leases to core deposits | 82.4653% | 2,829 |
| Total domestic deposits to total assets | 81.3478% | 5,119 |
| Equity capital to assets | 12.5608% | 1,550 |
| Core capital (leverage) ratio | 12.4396% | 1,449 |
| Tier 1 risk-based capital ratio | 16.3442% | 3,016 |
| Total risk-based capital ratio | 17.6056% | 2,980 |
| Memoranda: | ||
| Average total assets | $255,076,000 | 2,498 |
| Average earning assets | $208,356,250 | 2,760 |
| Average equity | $31,160,750 | 2,200 |
| Average total loans | $171,423,250 | 2,293 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 655 |
| Cost of funding earning assets | 0.8108% | 1,365 |
| Net interest margin | 4.3730% | 898 |
| Noninterest income to average assets | 0.5404% | 3,567 |
| Noninterest expense to average assets | 3.2962% | 2,080 |
| Loan and lease loss provision to assets | 0.0140% | 4,608 |
| Net operating income to assets | 0.8009% | 3,293 |
| Return on assets (ROA) | 0.8009% | 3,443 |
| Pretax return on assets | 0.8009% | 4,308 |
| Return on Equity (ROE) | 6.6165% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.6165% | 2,085 |
| Net charge-offs to loans | 0.0615% | 3,826 |
| Credit loss provision to net charge-offs | 33.9623% | 3,520 |
| Earnings coverage of net charge-offs (x) | 19.7170% | 1,496 |
| Efficiency ratio | 80.1783% | 2,129 |
| Assets per employee ($millions) | 4.2732% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6116% | 876 |
| Loan loss allowance to noncurrent loans | 43.4676% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 13.8574% | 71 |
| Noncurrent loans to loans | 6.0081% | 472 |
| Net loans and leases to total assets | 65.4503% | 2,686 |
| Net loans and leases to deposits | 80.2752% | 2,284 |
| Net loans and leases to core deposits | 82.5886% | 2,742 |
| Total domestic deposits to total assets | 81.5325% | 5,207 |
| Equity capital to assets | 12.4013% | 1,639 |
| Core capital (leverage) ratio | 12.1275% | 1,547 |
| Tier 1 risk-based capital ratio | 16.0111% | 3,183 |
| Total risk-based capital ratio | 17.2738% | 3,124 |
| Memoranda: | ||
| Average total assets | $256,476,000 | 2,493 |
| Average earning assets | $209,420,000 | 2,753 |
| Average equity | $31,043,670 | 2,219 |
| Average total loans | $172,454,670 | 2,285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 791 |
| Cost of funding earning assets | 0.8517% | 1,244 |
| Net interest margin | 4.2184% | 1,143 |
| Noninterest income to average assets | 0.1438% | 6,385 |
| Noninterest expense to average assets | 3.0125% | 2,950 |
| Loan and lease loss provision to assets | 0.0278% | 4,115 |
| Net operating income to assets | 0.5428% | 4,490 |
| Return on assets (ROA) | 0.5428% | 4,641 |
| Pretax return on assets | 0.5428% | 5,140 |
| Return on Equity (ROE) | 4.5389% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.5389% | 3,511 |
| Net charge-offs to loans | 0.2299% | 2,067 |
| Credit loss provision to net charge-offs | 18.0000% | 3,064 |
| Earnings coverage of net charge-offs (x) | 3.6900% | 2,698 |
| Efficiency ratio | 84.0742% | 1,758 |
| Assets per employee ($millions) | 4.4163% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5160% | 1,095 |
| Loan loss allowance to noncurrent loans | 39.8616% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 13.9667% | 91 |
| Noncurrent loans to loans | 6.3118% | 513 |
| Net loans and leases to total assets | 66.2242% | 2,333 |
| Net loans and leases to deposits | 81.6900% | 1,874 |
| Net loans and leases to core deposits | 83.4908% | 2,390 |
| Total domestic deposits to total assets | 81.0678% | 5,477 |
| Equity capital to assets | 12.1392% | 1,946 |
| Core capital (leverage) ratio | 11.7838% | 1,688 |
| Tier 1 risk-based capital ratio | 15.3717% | 3,609 |
| Total risk-based capital ratio | 16.6337% | 3,556 |
| Memoranda: | ||
| Average total assets | $258,655,000 | 2,505 |
| Average earning assets | $210,883,500 | 2,763 |
| Average equity | $30,932,500 | 2,246 |
| Average total loans | $173,963,500 | 2,281 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 665 |
| Cost of funding earning assets | 1.0696% | 1,027 |
| Net interest margin | 4.3976% | 1,162 |
| Noninterest income to average assets | -0.2365% | 6,974 |
| Noninterest expense to average assets | 3.1482% | 2,778 |
| Loan and lease loss provision to assets | 0.0722% | 4,828 |
| Net operating income to assets | 0.1166% | 5,980 |
| Return on assets (ROA) | 0.1166% | 6,121 |
| Pretax return on assets | 0.1166% | 6,129 |
| Return on Equity (ROE) | 1.0264% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.0264% | 5,361 |
| Net charge-offs to loans | 0.2010% | 3,770 |
| Credit loss provision to net charge-offs | 54.3417% | 4,592 |
| Earnings coverage of net charge-offs (x) | 1.4202% | 4,740 |
| Efficiency ratio | 94.3421% | 783 |
| Assets per employee ($millions) | 4.0807% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5644% | 1,051 |
| Loan loss allowance to noncurrent loans | 45.3160% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 13.4919% | 102 |
| Noncurrent loans to loans | 5.6590% | 642 |
| Net loans and leases to total assets | 64.8858% | 2,744 |
| Net loans and leases to deposits | 80.6191% | 2,203 |
| Net loans and leases to core deposits | 82.2704% | 2,743 |
| Total domestic deposits to total assets | 80.4844% | 5,549 |
| Equity capital to assets | 11.7822% | 2,197 |
| Core capital (leverage) ratio | 11.4927% | 1,882 |
| Tier 1 risk-based capital ratio | 15.0676% | 3,685 |
| Total risk-based capital ratio | 16.3296% | 3,627 |
| Memoranda: | ||
| Average total assets | $268,531,400 | 2,354 |
| Average earning assets | $218,207,800 | 2,628 |
| Average equity | $30,494,000 | 2,222 |
| Average total loans | $177,580,400 | 2,234 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 689 |
| Cost of funding earning assets | 1.1002% | 1,063 |
| Net interest margin | 4.3918% | 1,215 |
| Noninterest income to average assets | -0.2268% | 7,078 |
| Noninterest expense to average assets | 2.9997% | 3,235 |
| Loan and lease loss provision to assets | 0.0957% | 4,379 |
| Net operating income to assets | 0.2446% | 5,795 |
| Return on assets (ROA) | 0.2446% | 5,987 |
| Pretax return on assets | 0.2446% | 6,054 |
| Return on Equity (ROE) | 2.1736% | 5,979 |
| Retained earnings to average equity (ytd only) | 2.1736% | 5,241 |
| Net charge-offs to loans | 0.2540% | 3,198 |
| Credit loss provision to net charge-offs | 57.0588% | 4,237 |
| Earnings coverage of net charge-offs (x) | 2.0294% | 4,255 |
| Efficiency ratio | 89.8125% | 1,055 |
| Assets per employee ($millions) | 4.3820% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5368% | 1,164 |
| Loan loss allowance to noncurrent loans | 44.4367% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 13.4543% | 116 |
| Noncurrent loans to loans | 5.7087% | 742 |
| Net loans and leases to total assets | 64.3486% | 2,962 |
| Net loans and leases to deposits | 79.5213% | 2,474 |
| Net loans and leases to core deposits | 82.7060% | 2,872 |
| Total domestic deposits to total assets | 80.9199% | 5,389 |
| Equity capital to assets | 11.5991% | 2,646 |
| Core capital (leverage) ratio | 11.3669% | 2,081 |
| Tier 1 risk-based capital ratio | 14.7379% | 4,022 |
| Total risk-based capital ratio | 15.9994% | 3,975 |
| Memoranda: | ||
| Average total assets | $270,373,000 | 2,360 |
| Average earning assets | $219,585,250 | 2,650 |
| Average equity | $30,424,750 | 2,244 |
| Average total loans | $178,495,750 | 2,248 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5184% | 694 |
| Cost of funding earning assets | 1.1413% | 1,063 |
| Net interest margin | 4.3771% | 1,263 |
| Noninterest income to average assets | -0.3198% | 7,157 |
| Noninterest expense to average assets | 3.0192% | 3,186 |
| Loan and lease loss provision to assets | 0.1430% | 3,728 |
| Net operating income to assets | 0.0648% | 6,233 |
| Return on assets (ROA) | 0.0648% | 6,372 |
| Pretax return on assets | 0.0648% | 6,370 |
| Return on Equity (ROE) | 0.5822% | 6,372 |
| Retained earnings to average equity (ytd only) | 0.5822% | 5,830 |
| Net charge-offs to loans | 0.5380% | 1,982 |
| Credit loss provision to net charge-offs | 40.2490% | 4,255 |
| Earnings coverage of net charge-offs (x) | 0.5851% | 4,777 |
| Efficiency ratio | 93.5602% | 827 |
| Assets per employee ($millions) | 4.3670% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 1,397 |
| Loan loss allowance to noncurrent loans | 39.0787% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 14.3023% | 118 |
| Noncurrent loans to loans | 6.1779% | 700 |
| Net loans and leases to total assets | 65.7769% | 2,716 |
| Net loans and leases to deposits | 81.1409% | 2,213 |
| Net loans and leases to core deposits | 84.5957% | 2,612 |
| Total domestic deposits to total assets | 81.0650% | 5,444 |
| Equity capital to assets | 11.4272% | 2,663 |
| Core capital (leverage) ratio | 11.1702% | 2,148 |
| Tier 1 risk-based capital ratio | 14.0776% | 4,383 |
| Total risk-based capital ratio | 15.3374% | 4,342 |
| Memoranda: | ||
| Average total assets | $271,395,670 | 2,361 |
| Average earning assets | $219,917,000 | 2,650 |
| Average equity | $30,231,330 | 2,243 |
| Average total loans | $179,166,330 | 2,243 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 622 |
| Cost of funding earning assets | 1.2181% | 905 |
| Net interest margin | 4.3852% | 1,260 |
| Noninterest income to average assets | -0.7404% | 7,269 |
| Noninterest expense to average assets | 2.8638% | 3,772 |
| Loan and lease loss provision to assets | 0.2833% | 2,201 |
| Net operating income to assets | -0.3388% | 6,727 |
| Return on assets (ROA) | -0.3388% | 6,767 |
| Pretax return on assets | -0.3388% | 6,750 |
| Return on Equity (ROE) | -3.0803% | 6,761 |
| Retained earnings to average equity (ytd only) | -3.0803% | 6,406 |
| Net charge-offs to loans | 0.4269% | 2,030 |
| Credit loss provision to net charge-offs | 101.5707% | 2,262 |
| Earnings coverage of net charge-offs (x) | -0.1990% | 4,436 |
| Efficiency ratio | 101.9761% | 496 |
| Assets per employee ($millions) | 4.4995% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 1,229 |
| Loan loss allowance to noncurrent loans | 41.5745% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 14.6772% | 110 |
| Noncurrent loans to loans | 6.2450% | 781 |
| Net loans and leases to total assets | 64.2844% | 2,806 |
| Net loans and leases to deposits | 78.9271% | 2,349 |
| Net loans and leases to core deposits | 82.7179% | 2,725 |
| Total domestic deposits to total assets | 81.4479% | 5,482 |
| Equity capital to assets | 11.1265% | 2,778 |
| Core capital (leverage) ratio | 10.6703% | 2,580 |
| Tier 1 risk-based capital ratio | 13.7560% | 4,639 |
| Total risk-based capital ratio | 15.0171% | 4,620 |
| Memoranda: | ||
| Average total assets | $273,898,500 | 2,355 |
| Average earning assets | $221,652,500 | 2,640 |
| Average equity | $30,126,500 | 2,255 |
| Average total loans | $178,970,500 | 2,256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 920 |
| Cost of funding earning assets | 1.3840% | 1,105 |
| Net interest margin | 4.2343% | 1,947 |
| Noninterest income to average assets | -0.0285% | 7,042 |
| Noninterest expense to average assets | 3.2533% | 2,676 |
| Loan and lease loss provision to assets | 0.6100% | 1,695 |
| Net operating income to assets | -0.4298% | 6,439 |
| Return on assets (ROA) | -0.4308% | 6,490 |
| Pretax return on assets | -0.4308% | 6,440 |
| Return on Equity (ROE) | -4.0729% | 6,475 |
| Retained earnings to average equity (ytd only) | -4.8416% | 6,437 |
| Net charge-offs to loans | 0.7884% | 2,183 |
| Credit loss provision to net charge-offs | 114.6164% | 2,850 |
| Earnings coverage of net charge-offs (x) | 0.3386% | 5,567 |
| Efficiency ratio | 94.7514% | 878 |
| Assets per employee ($millions) | 4.7089% | 2,585 |
| Cash dividends to net income (ytd only)* | -18.8725% | 7,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5717% | 1,223 |
| Loan loss allowance to noncurrent loans | 44.8356% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 14.6810% | 136 |
| Noncurrent loans to loans | 5.7358% | 898 |
| Net loans and leases to total assets | 63.0404% | 3,392 |
| Net loans and leases to deposits | 76.9512% | 3,014 |
| Net loans and leases to core deposits | 81.2726% | 3,292 |
| Total domestic deposits to total assets | 81.9226% | 5,157 |
| Equity capital to assets | 10.8754% | 3,113 |
| Core capital (leverage) ratio | 10.6240% | 2,594 |
| Tier 1 risk-based capital ratio | 13.5571% | 4,657 |
| Total risk-based capital ratio | 14.8177% | 4,617 |
| Memoranda: | ||
| Average total assets | $284,113,800 | 2,237 |
| Average earning assets | $232,293,200 | 2,485 |
| Average equity | $30,052,000 | 2,197 |
| Average total loans | $191,788,800 | 2,111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6300% | 973 |
| Cost of funding earning assets | 1.4066% | 1,208 |
| Net interest margin | 4.2234% | 2,008 |
| Noninterest income to average assets | -0.2371% | 7,286 |
| Noninterest expense to average assets | 3.1250% | 3,073 |
| Loan and lease loss provision to assets | 0.4368% | 2,295 |
| Net operating income to assets | -0.3393% | 6,535 |
| Return on assets (ROA) | -0.3407% | 6,590 |
| Pretax return on assets | -0.3407% | 6,524 |
| Return on Equity (ROE) | -3.2432% | 6,574 |
| Retained earnings to average equity (ytd only) | -3.6208% | 6,479 |
| Net charge-offs to loans | 0.9569% | 1,681 |
| Credit loss provision to net charge-offs | 66.9528% | 4,575 |
| Earnings coverage of net charge-offs (x) | 0.1495% | 5,494 |
| Efficiency ratio | 96.9732% | 775 |
| Assets per employee ($millions) | 4.7377% | 2,572 |
| Cash dividends to net income (ytd only)* | -11.6438% | 7,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1219% | 2,015 |
| Loan loss allowance to noncurrent loans | 31.7230% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 14.9715% | 134 |
| Noncurrent loans to loans | 6.6888% | 770 |
| Net loans and leases to total assets | 65.0185% | 3,101 |
| Net loans and leases to deposits | 79.4877% | 2,721 |
| Net loans and leases to core deposits | 84.7089% | 2,955 |
| Total domestic deposits to total assets | 81.7970% | 5,163 |
| Equity capital to assets | 11.0377% | 3,106 |
| Core capital (leverage) ratio | 10.7688% | 2,598 |
| Tier 1 risk-based capital ratio | 13.5853% | 4,666 |
| Total risk-based capital ratio | 14.8415% | 4,633 |
| Memoranda: | ||
| Average total assets | $285,685,250 | 2,231 |
| Average earning assets | $234,025,750 | 2,470 |
| Average equity | $30,011,250 | 2,198 |
| Average total loans | $194,794,250 | 2,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 1,031 |
| Cost of funding earning assets | 1.4278% | 1,293 |
| Net interest margin | 4.1964% | 2,049 |
| Noninterest income to average assets | 0.0848% | 6,901 |
| Noninterest expense to average assets | 3.2599% | 2,706 |
| Loan and lease loss provision to assets | 0.4900% | 2,010 |
| Net operating income to assets | -0.2127% | 6,482 |
| Return on assets (ROA) | -0.2148% | 6,522 |
| Pretax return on assets | -0.2148% | 6,465 |
| Return on Equity (ROE) | -2.0787% | 6,525 |
| Retained earnings to average equity (ytd only) | -2.6505% | 6,325 |
| Net charge-offs to loans | 1.3597% | 1,119 |
| Credit loss provision to net charge-offs | 52.4164% | 4,524 |
| Earnings coverage of net charge-offs (x) | 0.2967% | 5,089 |
| Efficiency ratio | 92.1596% | 1,087 |
| Assets per employee ($millions) | 4.7609% | 2,463 |
| Cash dividends to net income (ytd only)* | -27.5081% | 7,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 2,382 |
| Loan loss allowance to noncurrent loans | 30.3412% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 15.0843% | 142 |
| Noncurrent loans to loans | 6.5805% | 836 |
| Net loans and leases to total assets | 64.6437% | 3,330 |
| Net loans and leases to deposits | 78.4090% | 3,055 |
| Net loans and leases to core deposits | 88.9412% | 2,509 |
| Total domestic deposits to total assets | 82.4442% | 5,003 |
| Equity capital to assets | 10.5351% | 3,462 |
| Core capital (leverage) ratio | 10.4963% | 2,719 |
| Tier 1 risk-based capital ratio | 12.9646% | 4,939 |
| Total risk-based capital ratio | 14.2192% | 4,922 |
| Memoranda: | ||
| Average total assets | $287,738,670 | 2,229 |
| Average earning assets | $236,729,000 | 2,461 |
| Average equity | $29,730,670 | 2,201 |
| Average total loans | $197,831,330 | 2,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6783% | 924 |
| Cost of funding earning assets | 1.4480% | 1,396 |
| Net interest margin | 4.2303% | 1,805 |
| Noninterest income to average assets | 0.1413% | 6,708 |
| Noninterest expense to average assets | 3.2357% | 2,749 |
| Loan and lease loss provision to assets | 0.9765% | 796 |
| Net operating income to assets | -0.5665% | 6,846 |
| Return on assets (ROA) | -0.5707% | 6,852 |
| Pretax return on assets | -0.5707% | 6,796 |
| Return on Equity (ROE) | -5.5772% | 6,840 |
| Retained earnings to average equity (ytd only) | -6.7278% | 6,653 |
| Net charge-offs to loans | 2.1053% | 594 |
| Credit loss provision to net charge-offs | 66.1351% | 3,434 |
| Earnings coverage of net charge-offs (x) | 0.2777% | 4,405 |
| Efficiency ratio | 88.7538% | 1,437 |
| Assets per employee ($millions) | 4.3490% | 3,134 |
| Cash dividends to net income (ytd only)* | -20.6311% | 7,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 2,251 |
| Loan loss allowance to noncurrent loans | 33.9865% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 14.8893% | 160 |
| Noncurrent loans to loans | 6.0873% | 1,031 |
| Net loans and leases to total assets | 67.6666% | 2,625 |
| Net loans and leases to deposits | 82.0743% | 2,352 |
| Net loans and leases to core deposits | 100.0089% | 1,335 |
| Total domestic deposits to total assets | 82.4455% | 5,127 |
| Equity capital to assets | 10.4498% | 3,240 |
| Core capital (leverage) ratio | 10.4209% | 2,683 |
| Tier 1 risk-based capital ratio | 12.7932% | 4,981 |
| Total risk-based capital ratio | 14.0492% | 4,959 |
| Memoranda: | ||
| Average total assets | $288,780,500 | 2,243 |
| Average earning assets | $239,228,500 | 2,455 |
| Average equity | $29,549,000 | 2,203 |
| Average total loans | $202,537,000 | 2,085 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9145% | 1,011 |
| Cost of funding earning assets | 1.9155% | 800 |
| Net interest margin | 3.9990% | 3,023 |
| Noninterest income to average assets | -0.0062% | 7,305 |
| Noninterest expense to average assets | 2.6661% | 5,147 |
| Loan and lease loss provision to assets | 1.2703% | 1,224 |
| Net operating income to assets | -0.4694% | 6,365 |
| Return on assets (ROA) | -0.4694% | 6,398 |
| Pretax return on assets | -0.4694% | 6,298 |
| Return on Equity (ROE) | -4.6237% | 6,405 |
| Retained earnings to average equity (ytd only) | -5.7123% | 6,357 |
| Net charge-offs to loans | 1.3582% | 1,645 |
| Credit loss provision to net charge-offs | 125.0560% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.7885% | 5,340 |
| Efficiency ratio | 76.8986% | 2,889 |
| Assets per employee ($millions) | 4.8340% | 2,374 |
| Cash dividends to net income (ytd only)* | -23.5457% | 7,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 2,076 |
| Loan loss allowance to noncurrent loans | 23.7727% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 13.3114% | 217 |
| Noncurrent loans to loans | 8.8282% | 535 |
| Net loans and leases to total assets | 69.6387% | 2,622 |
| Net loans and leases to deposits | 84.7949% | 2,325 |
| Net loans and leases to core deposits | 98.6486% | 1,733 |
| Total domestic deposits to total assets | 82.1260% | 5,149 |
| Equity capital to assets | 10.0239% | 3,718 |
| Core capital (leverage) ratio | 9.8224% | 3,292 |
| Tier 1 risk-based capital ratio | 12.7676% | 4,800 |
| Total risk-based capital ratio | 14.0250% | 4,760 |
| Memoranda: | ||
| Average total assets | $307,645,200 | 2,108 |
| Average earning assets | $267,192,200 | 2,202 |
| Average equity | $31,230,600 | 2,100 |
| Average total loans | $230,080,600 | 1,894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8349% | 1,295 |
| Cost of funding earning assets | 2.0141% | 719 |
| Net interest margin | 3.8209% | 3,881 |
| Noninterest income to average assets | 0.0755% | 7,160 |
| Noninterest expense to average assets | 2.5728% | 5,418 |
| Loan and lease loss provision to assets | 1.4833% | 903 |
| Net operating income to assets | -0.6434% | 6,690 |
| Return on assets (ROA) | -0.6434% | 6,740 |
| Pretax return on assets | -0.6434% | 6,643 |
| Return on Equity (ROE) | -6.3192% | 6,748 |
| Retained earnings to average equity (ytd only) | -7.0775% | 6,718 |
| Net charge-offs to loans | 0.7688% | 2,506 |
| Credit loss provision to net charge-offs | 255.0147% | 1,307 |
| Earnings coverage of net charge-offs (x) | 1.4440% | 4,643 |
| Efficiency ratio | 75.3896% | 3,059 |
| Assets per employee ($millions) | 4.9308% | 2,275 |
| Cash dividends to net income (ytd only)* | -11.9998% | 7,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5506% | 1,270 |
| Loan loss allowance to noncurrent loans | 25.8273% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 12.8635% | 231 |
| Noncurrent loans to loans | 9.8756% | 435 |
| Net loans and leases to total assets | 68.1990% | 3,164 |
| Net loans and leases to deposits | 81.9711% | 3,113 |
| Net loans and leases to core deposits | 98.6100% | 1,978 |
| Total domestic deposits to total assets | 83.1989% | 4,502 |
| Equity capital to assets | 9.5232% | 4,806 |
| Core capital (leverage) ratio | 9.3318% | 4,162 |
| Tier 1 risk-based capital ratio | 12.0122% | 5,451 |
| Total risk-based capital ratio | 13.2748% | 5,407 |
| Memoranda: | ||
| Average total assets | $310,837,750 | 2,124 |
| Average earning assets | $271,484,250 | 2,203 |
| Average equity | $31,648,750 | 2,090 |
| Average total loans | $235,163,500 | 1,879 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9300% | 1,108 |
| Cost of funding earning assets | 2.1155% | 622 |
| Net interest margin | 3.8145% | 3,837 |
| Noninterest income to average assets | 0.0605% | 7,285 |
| Noninterest expense to average assets | 2.6832% | 4,978 |
| Loan and lease loss provision to assets | 0.5598% | 2,531 |
| Net operating income to assets | 0.1632% | 5,683 |
| Return on assets (ROA) | 0.1632% | 5,803 |
| Pretax return on assets | 0.1632% | 5,858 |
| Return on Equity (ROE) | 1.5676% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.4434% | 5,587 |
| Net charge-offs to loans | 0.6918% | 2,488 |
| Credit loss provision to net charge-offs | 104.2373% | 3,911 |
| Earnings coverage of net charge-offs (x) | 1.3462% | 4,480 |
| Efficiency ratio | 78.7746% | 2,608 |
| Assets per employee ($millions) | 5.1072% | 2,035 |
| Cash dividends to net income (ytd only)* | 71.7131% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 3,603 |
| Loan loss allowance to noncurrent loans | 16.3468% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 11.7910% | 280 |
| Noncurrent loans to loans | 9.5812% | 479 |
| Net loans and leases to total assets | 71.3737% | 2,573 |
| Net loans and leases to deposits | 86.3189% | 2,464 |
| Net loans and leases to core deposits | 104.7335% | 1,563 |
| Total domestic deposits to total assets | 82.6861% | 4,701 |
| Equity capital to assets | 10.0260% | 3,991 |
| Core capital (leverage) ratio | 10.2588% | 2,882 |
| Tier 1 risk-based capital ratio | 12.4337% | 4,919 |
| Total risk-based capital ratio | 13.6858% | 4,896 |
| Memoranda: | ||
| Average total assets | $307,616,000 | 2,158 |
| Average earning assets | $269,814,670 | 2,230 |
| Average equity | $32,024,330 | 2,058 |
| Average total loans | $238,784,330 | 1,881 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7961% | 1,473 |
| Cost of funding earning assets | 2.1669% | 655 |
| Net interest margin | 3.6292% | 4,582 |
| Noninterest income to average assets | -0.2449% | 7,815 |
| Noninterest expense to average assets | 2.7390% | 4,721 |
| Loan and lease loss provision to assets | 0.6987% | 1,824 |
| Net operating income to assets | -0.5018% | 6,831 |
| Return on assets (ROA) | -0.5018% | 6,855 |
| Pretax return on assets | -0.5018% | 6,785 |
| Return on Equity (ROE) | -4.7262% | 6,867 |
| Retained earnings to average equity (ytd only) | -6.1052% | 6,672 |
| Net charge-offs to loans | 0.6674% | 2,155 |
| Credit loss provision to net charge-offs | 130.2730% | 2,709 |
| Earnings coverage of net charge-offs (x) | 0.3672% | 4,708 |
| Efficiency ratio | 93.2910% | 1,180 |
| Assets per employee ($millions) | 4.6054% | 2,787 |
| Cash dividends to net income (ytd only)* | -29.1777% | 7,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 3,616 |
| Loan loss allowance to noncurrent loans | 25.1784% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 9.4874% | 437 |
| Noncurrent loans to loans | 6.1977% | 1,043 |
| Net loans and leases to total assets | 78.8348% | 999 |
| Net loans and leases to deposits | 97.7100% | 936 |
| Net loans and leases to core deposits | 121.8611% | 715 |
| Total domestic deposits to total assets | 80.6824% | 5,565 |
| Equity capital to assets | 10.5698% | 3,177 |
| Core capital (leverage) ratio | 10.6518% | 2,497 |
| Tier 1 risk-based capital ratio | 12.2760% | 4,917 |
| Total risk-based capital ratio | 13.5286% | 4,885 |
| Memoranda: | ||
| Average total assets | $300,547,500 | 2,249 |
| Average earning assets | $263,416,500 | 2,328 |
| Average equity | $31,907,000 | 2,093 |
| Average total loans | $241,526,000 | 1,910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5439% | 609 |
| Cost of funding earning assets | 2.6591% | 655 |
| Net interest margin | 3.8848% | 3,327 |
| Noninterest income to average assets | 0.1418% | 7,029 |
| Noninterest expense to average assets | 2.7848% | 5,034 |
| Loan and lease loss provision to assets | 0.5343% | 3,701 |
| Net operating income to assets | 0.2707% | 4,640 |
| Return on assets (ROA) | 0.2707% | 4,727 |
| Pretax return on assets | 0.2707% | 4,842 |
| Return on Equity (ROE) | 2.5017% | 4,704 |
| Retained earnings to average equity (ytd only) | -0.0846% | 4,954 |
| Net charge-offs to loans | 0.1951% | 5,425 |
| Credit loss provision to net charge-offs | 321.4286% | 1,015 |
| Earnings coverage of net charge-offs (x) | 4.8429% | 2,789 |
| Efficiency ratio | 77.5751% | 3,259 |
| Assets per employee ($millions) | 4.7147% | 2,595 |
| Cash dividends to net income (ytd only)* | 103.3835% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 3,794 |
| Loan loss allowance to noncurrent loans | 31.5436% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 7.6996% | 612 |
| Noncurrent loans to loans | 4.7153% | 1,481 |
| Net loans and leases to total assets | 79.4380% | 1,108 |
| Net loans and leases to deposits | 101.2063% | 808 |
| Net loans and leases to core deposits | 147.3137% | 575 |
| Total domestic deposits to total assets | 78.4912% | 6,121 |
| Equity capital to assets | 10.6625% | 3,004 |
| Core capital (leverage) ratio | 10.7277% | 2,404 |
| Tier 1 risk-based capital ratio | 12.4079% | 4,588 |
| Total risk-based capital ratio | 13.6598% | 4,548 |
| Memoranda: | ||
| Average total assets | $294,781,200 | 2,248 |
| Average earning assets | $261,634,400 | 2,310 |
| Average equity | $31,898,800 | 2,103 |
| Average total loans | $251,188,000 | 1,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6181% | 597 |
| Cost of funding earning assets | 2.7019% | 785 |
| Net interest margin | 3.9162% | 3,173 |
| Noninterest income to average assets | 0.1024% | 7,394 |
| Noninterest expense to average assets | 2.6276% | 5,609 |
| Loan and lease loss provision to assets | 0.6370% | 2,846 |
| Net operating income to assets | 0.3244% | 4,701 |
| Return on assets (ROA) | 0.3244% | 4,808 |
| Pretax return on assets | 0.3244% | 4,997 |
| Return on Equity (ROE) | 2.9866% | 4,804 |
| Retained earnings to average equity (ytd only) | 1.3111% | 4,591 |
| Net charge-offs to loans | 0.2365% | 4,574 |
| Credit loss provision to net charge-offs | 311.8040% | 1,325 |
| Earnings coverage of net charge-offs (x) | 4.7060% | 3,033 |
| Efficiency ratio | 73.2125% | 4,012 |
| Assets per employee ($millions) | 4.3636% | 3,097 |
| Cash dividends to net income (ytd only)* | 56.1012% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,875 |
| Loan loss allowance to noncurrent loans | 41.4338% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 6.3898% | 801 |
| Noncurrent loans to loans | 3.4106% | 2,205 |
| Net loans and leases to total assets | 80.7486% | 1,031 |
| Net loans and leases to deposits | 102.9785% | 848 |
| Net loans and leases to core deposits | 152.8479% | 514 |
| Total domestic deposits to total assets | 78.4131% | 5,974 |
| Equity capital to assets | 10.6593% | 3,333 |
| Core capital (leverage) ratio | 10.6102% | 2,702 |
| Tier 1 risk-based capital ratio | 12.0139% | 4,965 |
| Total risk-based capital ratio | 13.2647% | 4,896 |
| Memoranda: | ||
| Average total assets | $293,041,250 | 2,280 |
| Average earning assets | $260,896,000 | 2,331 |
| Average equity | $31,830,250 | 2,126 |
| Average total loans | $253,156,000 | 1,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6412% | 612 |
| Cost of funding earning assets | 2.7430% | 922 |
| Net interest margin | 3.8982% | 3,119 |
| Noninterest income to average assets | 0.2934% | 6,159 |
| Noninterest expense to average assets | 2.9019% | 4,493 |
| Loan and lease loss provision to assets | 0.8266% | 2,029 |
| Net operating income to assets | 0.0400% | 5,730 |
| Return on assets (ROA) | 0.0400% | 5,821 |
| Pretax return on assets | 0.0400% | 5,795 |
| Return on Equity (ROE) | 0.3654% | 5,827 |
| Retained earnings to average equity (ytd only) | -2.1549% | 5,775 |
| Net charge-offs to loans | 0.3580% | 3,391 |
| Credit loss provision to net charge-offs | 262.5821% | 1,778 |
| Earnings coverage of net charge-offs (x) | 2.7527% | 3,708 |
| Efficiency ratio | 77.0060% | 3,513 |
| Assets per employee ($millions) | 4.4118% | 2,910 |
| Cash dividends to net income (ytd only)* | 689.6552% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,497 |
| Loan loss allowance to noncurrent loans | 40.5068% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 6.1216% | 785 |
| Noncurrent loans to loans | 3.1248% | 2,284 |
| Net loans and leases to total assets | 85.2051% | 473 |
| Net loans and leases to deposits | 109.6701% | 566 |
| Net loans and leases to core deposits | 168.6424% | 336 |
| Total domestic deposits to total assets | 77.6922% | 6,156 |
| Equity capital to assets | 10.4826% | 3,422 |
| Core capital (leverage) ratio | 10.8011% | 2,564 |
| Tier 1 risk-based capital ratio | 11.3536% | 5,550 |
| Total risk-based capital ratio | 12.5394% | 5,508 |
| Memoranda: | ||
| Average total assets | $290,358,330 | 2,315 |
| Average earning assets | $258,837,330 | 2,363 |
| Average equity | $31,742,330 | 2,132 |
| Average total loans | $255,337,670 | 1,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7887% | 491 |
| Cost of funding earning assets | 2.8457% | 874 |
| Net interest margin | 3.9429% | 2,874 |
| Noninterest income to average assets | 0.3194% | 5,895 |
| Noninterest expense to average assets | 2.6757% | 5,118 |
| Loan and lease loss provision to assets | 0.4203% | 2,823 |
| Net operating income to assets | 0.7411% | 3,383 |
| Return on assets (ROA) | 0.7411% | 3,564 |
| Pretax return on assets | 0.7425% | 4,279 |
| Return on Equity (ROE) | 6.6354% | 3,756 |
| Retained earnings to average equity (ytd only) | 1.6181% | 4,937 |
| Net charge-offs to loans | 0.1720% | 3,602 |
| Credit loss provision to net charge-offs | 275.2294% | 1,740 |
| Earnings coverage of net charge-offs (x) | 7.6147% | 2,321 |
| Efficiency ratio | 69.7080% | 4,641 |
| Assets per employee ($millions) | 4.4857% | 2,742 |
| Cash dividends to net income (ytd only)* | 75.6144% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,748 |
| Loan loss allowance to noncurrent loans | 37.4983% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 5.3998% | 801 |
| Noncurrent loans to loans | 2.8267% | 2,315 |
| Net loans and leases to total assets | 88.5996% | 223 |
| Net loans and leases to deposits | 115.8918% | 389 |
| Net loans and leases to core deposits | 175.5906% | 285 |
| Total domestic deposits to total assets | 76.4503% | 6,420 |
| Equity capital to assets | 11.1284% | 2,872 |
| Core capital (leverage) ratio | 11.1171% | 2,411 |
| Tier 1 risk-based capital ratio | 11.6543% | 5,251 |
| Total risk-based capital ratio | 12.6515% | 5,409 |
| Memoranda: | ||
| Average total assets | $285,536,000 | 2,358 |
| Average earning assets | $254,836,500 | 2,405 |
| Average equity | $31,889,500 | 2,125 |
| Average total loans | $253,559,000 | 1,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6340% | 320 |
| Cost of funding earning assets | 3.5168% | 490 |
| Net interest margin | 4.1172% | 2,635 |
| Noninterest income to average assets | 0.3202% | 6,169 |
| Noninterest expense to average assets | 3.0208% | 4,007 |
| Loan and lease loss provision to assets | 0.2445% | 4,469 |
| Net operating income to assets | 0.7343% | 3,741 |
| Return on assets (ROA) | 0.7343% | 3,575 |
| Pretax return on assets | 0.7343% | 4,289 |
| Return on Equity (ROE) | 6.2822% | 3,831 |
| Retained earnings to average equity (ytd only) | -4.1781% | 6,355 |
| Net charge-offs to loans | 0.7703% | 1,615 |
| Credit loss provision to net charge-offs | 35.5863% | 6,487 |
| Earnings coverage of net charge-offs (x) | 1.4245% | 5,407 |
| Efficiency ratio | 75.5256% | 3,323 |
| Assets per employee ($millions) | 4.1763% | 3,156 |
| Cash dividends to net income (ytd only)* | 166.5069% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 5,899 |
| Loan loss allowance to noncurrent loans | 89.5723% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 3.9467% | 1,053 |
| Noncurrent loans to loans | 1.1314% | 4,284 |
| Net loans and leases to total assets | 87.1529% | 460 |
| Net loans and leases to deposits | 111.6176% | 730 |
| Net loans and leases to core deposits | 163.2050% | 516 |
| Total domestic deposits to total assets | 78.0817% | 5,684 |
| Equity capital to assets | 11.2087% | 2,880 |
| Core capital (leverage) ratio | 11.0394% | 2,565 |
| Tier 1 risk-based capital ratio | 11.8829% | 4,915 |
| Total risk-based capital ratio | 12.8323% | 5,054 |
| Memoranda: | ||
| Average total assets | $284,197,200 | 2,291 |
| Average earning assets | $253,982,400 | 2,333 |
| Average equity | $33,221,000 | 2,035 |
| Average total loans | $253,548,800 | 1,882 |