Home > American State Bank > Performance and Condition Ratios
American State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1110% | 555 |
| Cost of funding earning assets | 3.0504% | 132 |
| Net interest margin | 3.0606% | 3,167 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.4368% | 624 |
| Loan and lease loss provision to assets | -0.6800% | 4,589 |
| Net operating income to assets | 0.2372% | 4,118 |
| Return on assets (ROA) | 0.2372% | 4,126 |
| Pretax return on assets | 0.3151% | 4,077 |
| Return on Equity (ROE) | 3.1400% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.1409% | 3,231 |
| Net charge-offs to loans | 0.0403% | 1,505 |
| Credit loss provision to net charge-offs | -1,434.6705% | 4,575 |
| Earnings coverage of net charge-offs (x) | -11.1576% | 4,555 |
| Efficiency ratio | 111.4425% | 104 |
| Assets per employee ($millions) | 7.2772% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,396 |
| Loan loss allowance to noncurrent loans | 161.2072% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4572% | 268 |
| Noncurrent loans to loans | 0.7329% | 1,064 |
| Net loans and leases to total assets | 78.4900% | 815 |
| Net loans and leases to deposits | 90.1404% | 1,249 |
| Net loans and leases to core deposits | 100.6436% | 1,396 |
| Total domestic deposits to total assets | 87.0800% | 1,654 |
| Equity capital to assets | 8.4194% | 3,109 |
| Core capital (leverage) ratio | 7.7716% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6103% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,056,697,600 | 937 |
| Average earning assets | $961,187,400 | 943 |
| Average equity | $79,816,800 | 1,132 |
| Average total loans | $865,787,600 | 816 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1437% | 443 |
| Cost of funding earning assets | 2.9533% | 127 |
| Net interest margin | 3.1905% | 2,939 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.5334% | 534 |
| Loan and lease loss provision to assets | -0.7500% | 4,618 |
| Net operating income to assets | 0.2990% | 4,114 |
| Return on assets (ROA) | 0.2990% | 4,120 |
| Pretax return on assets | 0.3765% | 4,090 |
| Return on Equity (ROE) | 4.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.0615% | 3,243 |
| Net charge-offs to loans | 0.0479% | 1,207 |
| Credit loss provision to net charge-offs | -1,304.9844% | 4,602 |
| Earnings coverage of net charge-offs (x) | -9.3240% | 4,599 |
| Efficiency ratio | 111.1107% | 101 |
| Assets per employee ($millions) | 6.8590% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,043 |
| Loan loss allowance to noncurrent loans | 207.8098% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 310 |
| Noncurrent loans to loans | 0.6072% | 1,329 |
| Net loans and leases to total assets | 78.6700% | 798 |
| Net loans and leases to deposits | 90.0495% | 1,234 |
| Net loans and leases to core deposits | 102.1887% | 1,201 |
| Total domestic deposits to total assets | 87.3600% | 1,779 |
| Equity capital to assets | 8.1850% | 2,935 |
| Core capital (leverage) ratio | 7.5156% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3306% | 2,895 |
| Memoranda: | ||
| Average total assets | $1,082,544,000 | 922 |
| Average earning assets | $986,541,000 | 917 |
| Average equity | $79,705,250 | 1,128 |
| Average total loans | $892,929,250 | 801 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2162% | 343 |
| Cost of funding earning assets | 2.8270% | 107 |
| Net interest margin | 3.3892% | 2,549 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 3.7369% | 424 |
| Loan and lease loss provision to assets | -0.6800% | 4,640 |
| Net operating income to assets | 0.2021% | 4,275 |
| Return on assets (ROA) | 0.2021% | 4,297 |
| Pretax return on assets | 0.2548% | 4,270 |
| Return on Equity (ROE) | 2.8000% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.8049% | 3,536 |
| Net charge-offs to loans | 0.0348% | 1,200 |
| Credit loss provision to net charge-offs | -2,351.8519% | 4,645 |
| Earnings coverage of net charge-offs (x) | -14.7222% | 4,640 |
| Efficiency ratio | 112.3872% | 89 |
| Assets per employee ($millions) | 6.7625% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,042 |
| Loan loss allowance to noncurrent loans | 70.8116% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.9091% | 148 |
| Noncurrent loans to loans | 1.7996% | 337 |
| Net loans and leases to total assets | 78.3700% | 796 |
| Net loans and leases to deposits | 88.1508% | 1,331 |
| Net loans and leases to core deposits | 105.3023% | 1,010 |
| Total domestic deposits to total assets | 88.9100% | 1,290 |
| Equity capital to assets | 7.8829% | 3,289 |
| Core capital (leverage) ratio | 6.9650% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8508% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,118,358,667 | 893 |
| Average earning assets | $1,021,592,000 | 891 |
| Average equity | $80,574,667 | 1,116 |
| Average total loans | $931,907,667 | 758 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0973% | 278 |
| Cost of funding earning assets | 2.5640% | 86 |
| Net interest margin | 3.5333% | 2,277 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 4.3470% | 297 |
| Loan and lease loss provision to assets | -0.3200% | 4,647 |
| Net operating income to assets | -0.3962% | 4,577 |
| Return on assets (ROA) | -0.3962% | 4,566 |
| Pretax return on assets | -0.5025% | 4,568 |
| Return on Equity (ROE) | -5.7400% | 4,560 |
| Retained earnings to average equity (ytd only) | -5.7359% | 4,359 |
| Net charge-offs to loans | 0.0673% | 735 |
| Credit loss provision to net charge-offs | -552.6946% | 4,628 |
| Earnings coverage of net charge-offs (x) | -14.3054% | 4,668 |
| Efficiency ratio | 122.7630% | 67 |
| Assets per employee ($millions) | 5.4502% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,760 |
| Loan loss allowance to noncurrent loans | 119.0914% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 257 |
| Noncurrent loans to loans | 1.1466% | 613 |
| Net loans and leases to total assets | 82.2100% | 356 |
| Net loans and leases to deposits | 100.9274% | 404 |
| Net loans and leases to core deposits | 118.6925% | 472 |
| Total domestic deposits to total assets | 81.4600% | 3,562 |
| Equity capital to assets | 6.7880% | 3,918 |
| Core capital (leverage) ratio | 6.2790% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.1900% | 3,019 |
| Memoranda: | ||
| Average total assets | $1,166,969,500 | 884 |
| Average earning assets | $1,068,467,000 | 880 |
| Average equity | $80,614,500 | 1,131 |
| Average total loans | $992,549,000 | 726 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 262 |
| Cost of funding earning assets | 0.8587% | 309 |
| Net interest margin | 4.2224% | 504 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 4.2684% | 278 |
| Loan and lease loss provision to assets | 0.8900% | 49 |
| Net operating income to assets | -0.8020% | 4,657 |
| Return on assets (ROA) | -0.8028% | 4,650 |
| Pretax return on assets | -1.1846% | 4,654 |
| Return on Equity (ROE) | -9.5900% | 4,659 |
| Retained earnings to average equity (ytd only) | -15.5148% | 4,679 |
| Net charge-offs to loans | 0.0540% | 1,123 |
| Credit loss provision to net charge-offs | 1,935.5091% | 269 |
| Earnings coverage of net charge-offs (x) | -6.4465% | 4,690 |
| Efficiency ratio | 106.8894% | 103 |
| Assets per employee ($millions) | 4.6921% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 2,956 |
| Loan loss allowance to noncurrent loans | 688.7850% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 923 |
| Noncurrent loans to loans | 0.1577% | 2,710 |
| Net loans and leases to total assets | 85.8000% | 169 |
| Net loans and leases to deposits | 104.0790% | 298 |
| Net loans and leases to core deposits | 106.0521% | 744 |
| Total domestic deposits to total assets | 82.4400% | 3,541 |
| Equity capital to assets | 7.0268% | 3,647 |
| Core capital (leverage) ratio | 7.1229% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.9421% | 3,053 |
| Memoranda: | ||
| Average total assets | $834,872,200 | 1,152 |
| Average earning assets | $757,985,800 | 1,160 |
| Average equity | $69,914,000 | 1,252 |
| Average total loans | $708,965,400 | 896 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 326 |
| Cost of funding earning assets | 0.4563% | 953 |
| Net interest margin | 4.2858% | 347 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 3.6399% | 425 |
| Loan and lease loss provision to assets | 0.4600% | 115 |
| Net operating income to assets | 0.1206% | 4,534 |
| Return on assets (ROA) | 0.1192% | 4,504 |
| Pretax return on assets | 0.1226% | 4,505 |
| Return on Equity (ROE) | 1.3400% | 4,469 |
| Retained earnings to average equity (ytd only) | -5.8494% | 4,620 |
| Net charge-offs to loans | 0.0276% | 1,270 |
| Credit loss provision to net charge-offs | 1,996.1832% | 255 |
| Earnings coverage of net charge-offs (x) | 25.2901% | 1,607 |
| Efficiency ratio | 85.4982% | 480 |
| Assets per employee ($millions) | 4.7237% | 3,893 |
| Cash dividends to net income (ytd only)* | 536.6617% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 4,203 |
| Loan loss allowance to noncurrent loans | 292.2766% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 593 |
| Noncurrent loans to loans | 0.2512% | 2,373 |
| Net loans and leases to total assets | 85.8400% | 130 |
| Net loans and leases to deposits | 100.6318% | 341 |
| Net loans and leases to core deposits | 103.8981% | 656 |
| Total domestic deposits to total assets | 85.3000% | 3,216 |
| Equity capital to assets | 8.9440% | 2,250 |
| Core capital (leverage) ratio | 9.7522% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $750,331,000 | 1,252 |
| Average earning assets | $678,814,500 | 1,270 |
| Average equity | $66,785,750 | 1,310 |
| Average total loans | $631,831,750 | 986 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 310 |
| Cost of funding earning assets | 0.2804% | 1,898 |
| Net interest margin | 4.3176% | 264 |
| Noninterest income to average assets | 0.4405% | 2,505 |
| Noninterest expense to average assets | 3.3117% | 541 |
| Loan and lease loss provision to assets | 0.3370% | 186 |
| Net operating income to assets | 0.6670% | 3,423 |
| Return on assets (ROA) | 0.6670% | 3,371 |
| Pretax return on assets | 0.6670% | 3,663 |
| Return on Equity (ROE) | 7.5127% | 3,160 |
| Retained earnings to average equity (ytd only) | -4.8010% | 4,529 |
| Net charge-offs to loans | 0.0150% | 1,460 |
| Credit loss provision to net charge-offs | 2,707.3171% | 194 |
| Earnings coverage of net charge-offs (x) | 80.6585% | 928 |
| Efficiency ratio | 76.0886% | 1,273 |
| Assets per employee ($millions) | 4.4606% | 4,104 |
| Cash dividends to net income (ytd only)* | 163.9053% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 4,197 |
| Loan loss allowance to noncurrent loans | 258.4982% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 398 |
| Noncurrent loans to loans | 0.3031% | 2,245 |
| Net loans and leases to total assets | 85.0748% | 132 |
| Net loans and leases to deposits | 99.9246% | 273 |
| Net loans and leases to core deposits | 104.0410% | 511 |
| Total domestic deposits to total assets | 85.1390% | 3,456 |
| Equity capital to assets | 7.9809% | 3,138 |
| Core capital (leverage) ratio | 8.0318% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,759,333 | 1,375 |
| Average earning assets | $591,252,333 | 1,430 |
| Average equity | $58,487,667 | 1,465 |
| Average total loans | $546,968,000 | 1,096 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 266 |
| Cost of funding earning assets | 0.2490% | 2,172 |
| Net interest margin | 4.3358% | 223 |
| Noninterest income to average assets | 0.4854% | 2,211 |
| Noninterest expense to average assets | 3.0306% | 785 |
| Loan and lease loss provision to assets | 0.1741% | 442 |
| Net operating income to assets | 1.1462% | 1,390 |
| Return on assets (ROA) | 1.1462% | 1,388 |
| Pretax return on assets | 1.1462% | 1,997 |
| Return on Equity (ROE) | 12.1450% | 1,267 |
| Retained earnings to average equity (ytd only) | -9.4307% | 4,551 |
| Net charge-offs to loans | 0.0315% | 988 |
| Credit loss provision to net charge-offs | 679.4872% | 433 |
| Earnings coverage of net charge-offs (x) | 51.5385% | 918 |
| Efficiency ratio | 68.9614% | 2,377 |
| Assets per employee ($millions) | 4.8376% | 3,891 |
| Cash dividends to net income (ytd only)* | 177.6504% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 4,203 |
| Loan loss allowance to noncurrent loans | 228.0043% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 283 |
| Noncurrent loans to loans | 0.3620% | 2,185 |
| Net loans and leases to total assets | 82.4710% | 142 |
| Net loans and leases to deposits | 95.2286% | 308 |
| Net loans and leases to core deposits | 98.6000% | 555 |
| Total domestic deposits to total assets | 86.6032% | 3,073 |
| Equity capital to assets | 9.1244% | 2,608 |
| Core capital (leverage) ratio | 8.0708% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $608,989,000 | 1,481 |
| Average earning assets | $542,917,000 | 1,556 |
| Average equity | $57,472,000 | 1,537 |
| Average total loans | $495,343,500 | 1,170 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 323 |
| Cost of funding earning assets | 0.2506% | 2,927 |
| Net interest margin | 4.6136% | 224 |
| Noninterest income to average assets | 0.5430% | 2,386 |
| Noninterest expense to average assets | 3.0037% | 973 |
| Loan and lease loss provision to assets | 0.1613% | 733 |
| Net operating income to assets | 1.5102% | 988 |
| Return on assets (ROA) | 1.5102% | 1,032 |
| Pretax return on assets | 1.5102% | 1,686 |
| Return on Equity (ROE) | 16.0795% | 746 |
| Retained earnings to average equity (ytd only) | 4.3457% | 3,073 |
| Net charge-offs to loans | 0.0268% | 1,705 |
| Credit loss provision to net charge-offs | 757.7586% | 631 |
| Earnings coverage of net charge-offs (x) | 78.5172% | 1,011 |
| Efficiency ratio | 63.5878% | 2,628 |
| Assets per employee ($millions) | 4.8680% | 3,835 |
| Cash dividends to net income (ytd only)* | 72.9736% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,188 |
| Loan loss allowance to noncurrent loans | 197.6436% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.4421% | 301 |
| Noncurrent loans to loans | 0.4281% | 2,068 |
| Net loans and leases to total assets | 78.7855% | 333 |
| Net loans and leases to deposits | 91.9654% | 477 |
| Net loans and leases to core deposits | 94.9563% | 733 |
| Total domestic deposits to total assets | 85.6686% | 3,027 |
| Equity capital to assets | 9.7608% | 2,884 |
| Core capital (leverage) ratio | 8.9174% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,895,600 | 1,587 |
| Average earning assets | $488,037,600 | 1,639 |
| Average equity | $51,177,000 | 1,725 |
| Average total loans | $433,277,000 | 1,300 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 376 |
| Cost of funding earning assets | 0.2598% | 3,019 |
| Net interest margin | 4.5942% | 270 |
| Noninterest income to average assets | 0.5369% | 2,468 |
| Noninterest expense to average assets | 3.0365% | 909 |
| Loan and lease loss provision to assets | 0.1086% | 1,112 |
| Net operating income to assets | 1.5129% | 1,239 |
| Return on assets (ROA) | 1.5129% | 1,291 |
| Pretax return on assets | 1.5129% | 1,963 |
| Return on Equity (ROE) | 16.2881% | 892 |
| Retained earnings to average equity (ytd only) | 12.8846% | 658 |
| Net charge-offs to loans | 0.0338% | 1,399 |
| Credit loss provision to net charge-offs | 404.6729% | 849 |
| Earnings coverage of net charge-offs (x) | 60.4019% | 1,134 |
| Efficiency ratio | 64.5319% | 2,312 |
| Assets per employee ($millions) | 4.5365% | 4,101 |
| Cash dividends to net income (ytd only)* | 20.8955% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 4,322 |
| Loan loss allowance to noncurrent loans | 73.9641% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.1057% | 170 |
| Noncurrent loans to loans | 1.1028% | 1,015 |
| Net loans and leases to total assets | 80.1445% | 281 |
| Net loans and leases to deposits | 95.7715% | 357 |
| Net loans and leases to core deposits | 97.6549% | 669 |
| Total domestic deposits to total assets | 83.6831% | 3,544 |
| Equity capital to assets | 9.7558% | 3,144 |
| Core capital (leverage) ratio | 8.7946% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,427,000 | 1,631 |
| Average earning assets | $476,709,500 | 1,682 |
| Average equity | $49,360,000 | 1,807 |
| Average total loans | $422,653,750 | 1,342 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 575 |
| Cost of funding earning assets | 0.2795% | 2,984 |
| Net interest margin | 4.3737% | 430 |
| Noninterest income to average assets | 0.5502% | 2,406 |
| Noninterest expense to average assets | 3.0347% | 927 |
| Loan and lease loss provision to assets | 0.0903% | 1,378 |
| Net operating income to assets | 1.3443% | 1,730 |
| Return on assets (ROA) | 1.3443% | 1,808 |
| Pretax return on assets | 1.3443% | 2,502 |
| Return on Equity (ROE) | 14.7285% | 1,223 |
| Retained earnings to average equity (ytd only) | 9.4906% | 1,558 |
| Net charge-offs to loans | 0.0547% | 1,075 |
| Credit loss provision to net charge-offs | 208.7719% | 1,033 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 1,258 |
| Efficiency ratio | 67.2043% | 1,982 |
| Assets per employee ($millions) | 4.9291% | 3,716 |
| Cash dividends to net income (ytd only)* | 35.5631% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 4,385 |
| Loan loss allowance to noncurrent loans | 139.0554% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 308 |
| Noncurrent loans to loans | 0.5647% | 1,983 |
| Net loans and leases to total assets | 78.9034% | 384 |
| Net loans and leases to deposits | 97.2042% | 344 |
| Net loans and leases to core deposits | 99.2995% | 683 |
| Total domestic deposits to total assets | 81.1728% | 4,068 |
| Equity capital to assets | 9.1572% | 3,648 |
| Core capital (leverage) ratio | 8.0619% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,111,333 | 1,635 |
| Average earning assets | $472,318,000 | 1,693 |
| Average equity | $48,110,667 | 1,825 |
| Average total loans | $416,913,667 | 1,362 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 700 |
| Cost of funding earning assets | 0.2930% | 3,070 |
| Net interest margin | 4.2758% | 537 |
| Noninterest income to average assets | 0.5720% | 2,318 |
| Noninterest expense to average assets | 3.0564% | 904 |
| Loan and lease loss provision to assets | 0.1501% | 867 |
| Net operating income to assets | 1.1964% | 2,162 |
| Return on assets (ROA) | 1.1964% | 2,237 |
| Pretax return on assets | 1.1964% | 2,853 |
| Return on Equity (ROE) | 13.1304% | 1,641 |
| Retained earnings to average equity (ytd only) | 5.4668% | 3,075 |
| Net charge-offs to loans | 0.0800% | 798 |
| Credit loss provision to net charge-offs | 237.8049% | 835 |
| Earnings coverage of net charge-offs (x) | 21.3293% | 1,225 |
| Efficiency ratio | 68.7008% | 1,844 |
| Assets per employee ($millions) | 4.6541% | 3,980 |
| Cash dividends to net income (ytd only)* | 58.3655% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 4,422 |
| Loan loss allowance to noncurrent loans | 205.9793% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.5346% | 402 |
| Noncurrent loans to loans | 0.3859% | 2,711 |
| Net loans and leases to total assets | 78.0388% | 463 |
| Net loans and leases to deposits | 98.1647% | 338 |
| Net loans and leases to core deposits | 100.5465% | 692 |
| Total domestic deposits to total assets | 79.4978% | 4,270 |
| Equity capital to assets | 8.8394% | 3,846 |
| Core capital (leverage) ratio | 8.2320% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,564,500 | 1,639 |
| Average earning assets | $465,501,500 | 1,699 |
| Average equity | $47,340,500 | 1,845 |
| Average total loans | $409,768,500 | 1,383 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 578 |
| Cost of funding earning assets | 0.6764% | 1,844 |
| Net interest margin | 4.2431% | 572 |
| Noninterest income to average assets | 0.5020% | 2,626 |
| Noninterest expense to average assets | 3.2622% | 950 |
| Loan and lease loss provision to assets | 0.2511% | 1,540 |
| Net operating income to assets | 0.7498% | 3,260 |
| Return on assets (ROA) | 1.0338% | 2,309 |
| Pretax return on assets | 1.0338% | 2,931 |
| Return on Equity (ROE) | 10.9391% | 1,649 |
| Retained earnings to average equity (ytd only) | 5.6623% | 1,963 |
| Net charge-offs to loans | 0.1523% | 1,069 |
| Credit loss provision to net charge-offs | 213.6602% | 2,096 |
| Earnings coverage of net charge-offs (x) | 8.5166% | 2,596 |
| Efficiency ratio | 75.7302% | 1,263 |
| Assets per employee ($millions) | 4.3039% | 4,115 |
| Cash dividends to net income (ytd only)* | 48.2381% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,364 |
| Loan loss allowance to noncurrent loans | 157.7090% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 364 |
| Noncurrent loans to loans | 0.5240% | 2,405 |
| Net loans and leases to total assets | 78.4343% | 561 |
| Net loans and leases to deposits | 97.3177% | 494 |
| Net loans and leases to core deposits | 100.5712% | 875 |
| Total domestic deposits to total assets | 80.5961% | 3,944 |
| Equity capital to assets | 9.4059% | 3,697 |
| Core capital (leverage) ratio | 8.2161% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,862,000 | 1,591 |
| Average earning assets | $430,673,600 | 1,661 |
| Average equity | $45,917,800 | 1,812 |
| Average total loans | $374,984,200 | 1,432 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 738 |
| Cost of funding earning assets | 0.7705% | 1,634 |
| Net interest margin | 4.1221% | 856 |
| Noninterest income to average assets | 0.4935% | 2,637 |
| Noninterest expense to average assets | 3.2653% | 960 |
| Loan and lease loss provision to assets | 0.2875% | 1,404 |
| Net operating income to assets | 0.5880% | 3,807 |
| Return on assets (ROA) | 0.9693% | 2,586 |
| Pretax return on assets | 0.9693% | 3,160 |
| Return on Equity (ROE) | 10.2441% | 1,933 |
| Retained earnings to average equity (ytd only) | 6.1675% | 2,033 |
| Net charge-offs to loans | 0.1358% | 1,066 |
| Credit loss provision to net charge-offs | 275.8621% | 1,839 |
| Earnings coverage of net charge-offs (x) | 8.4032% | 2,498 |
| Efficiency ratio | 78.0380% | 1,031 |
| Assets per employee ($millions) | 4.3762% | 3,976 |
| Cash dividends to net income (ytd only)* | 39.7948% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,293 |
| Loan loss allowance to noncurrent loans | 155.2607% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7657% | 434 |
| Noncurrent loans to loans | 0.5326% | 2,470 |
| Net loans and leases to total assets | 78.0714% | 824 |
| Net loans and leases to deposits | 98.6391% | 589 |
| Net loans and leases to core deposits | 103.5113% | 952 |
| Total domestic deposits to total assets | 79.1485% | 4,035 |
| Equity capital to assets | 9.2486% | 3,911 |
| Core capital (leverage) ratio | 8.2488% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9388% | 3,097 |
| Memoranda: | ||
| Average total assets | $482,515,000 | 1,577 |
| Average earning assets | $426,921,250 | 1,645 |
| Average equity | $45,657,500 | 1,814 |
| Average total loans | $370,018,750 | 1,442 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 864 |
| Cost of funding earning assets | 0.8658% | 1,516 |
| Net interest margin | 4.1133% | 1,085 |
| Noninterest income to average assets | 0.4924% | 2,607 |
| Noninterest expense to average assets | 3.3432% | 931 |
| Loan and lease loss provision to assets | 0.3616% | 1,165 |
| Net operating income to assets | 0.4235% | 4,179 |
| Return on assets (ROA) | 1.0042% | 2,432 |
| Pretax return on assets | 1.0042% | 3,015 |
| Return on Equity (ROE) | 10.5287% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.7097% | 2,191 |
| Net charge-offs to loans | 0.1998% | 766 |
| Credit loss provision to net charge-offs | 238.2271% | 1,781 |
| Earnings coverage of net charge-offs (x) | 5.1717% | 2,537 |
| Efficiency ratio | 80.1365% | 886 |
| Assets per employee ($millions) | 4.5736% | 3,689 |
| Cash dividends to net income (ytd only)* | 45.7705% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 4,315 |
| Loan loss allowance to noncurrent loans | 144.7442% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 476 |
| Noncurrent loans to loans | 0.5611% | 2,480 |
| Net loans and leases to total assets | 74.1923% | 1,387 |
| Net loans and leases to deposits | 92.9630% | 1,056 |
| Net loans and leases to core deposits | 102.4491% | 1,092 |
| Total domestic deposits to total assets | 79.8084% | 3,879 |
| Equity capital to assets | 8.9120% | 4,163 |
| Core capital (leverage) ratio | 7.7441% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9358% | 3,168 |
| Memoranda: | ||
| Average total assets | $475,598,667 | 1,565 |
| Average earning assets | $420,396,667 | 1,645 |
| Average equity | $45,361,667 | 1,816 |
| Average total loans | $361,298,000 | 1,453 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 591 |
| Cost of funding earning assets | 0.9672% | 1,577 |
| Net interest margin | 4.2984% | 762 |
| Noninterest income to average assets | 0.5248% | 2,414 |
| Noninterest expense to average assets | 3.4937% | 950 |
| Loan and lease loss provision to assets | 0.1575% | 1,830 |
| Net operating income to assets | 0.6561% | 3,430 |
| Return on assets (ROA) | 0.8642% | 2,744 |
| Pretax return on assets | 0.8642% | 3,240 |
| Return on Equity (ROE) | 8.7401% | 2,211 |
| Retained earnings to average equity (ytd only) | 7.4220% | 1,402 |
| Net charge-offs to loans | 0.3996% | 364 |
| Credit loss provision to net charge-offs | 51.4286% | 2,051 |
| Earnings coverage of net charge-offs (x) | 2.6571% | 2,266 |
| Efficiency ratio | 80.2803% | 1,113 |
| Assets per employee ($millions) | 4.3481% | 3,479 |
| Cash dividends to net income (ytd only)* | 15.0810% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 4,623 |
| Loan loss allowance to noncurrent loans | 96.9444% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.9800% | 427 |
| Noncurrent loans to loans | 0.7137% | 2,214 |
| Net loans and leases to total assets | 74.6729% | 1,510 |
| Net loans and leases to deposits | 88.2314% | 1,732 |
| Net loans and leases to core deposits | 101.3398% | 1,372 |
| Total domestic deposits to total assets | 84.6330% | 2,554 |
| Equity capital to assets | 9.8332% | 3,932 |
| Core capital (leverage) ratio | 8.2563% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4433% | 3,379 |
| Memoranda: | ||
| Average total assets | $457,277,000 | 1,581 |
| Average earning assets | $402,384,500 | 1,662 |
| Average equity | $45,217,000 | 1,811 |
| Average total loans | $350,369,000 | 1,451 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6718% | 422 |
| Cost of funding earning assets | 0.9380% | 2,021 |
| Net interest margin | 4.7338% | 434 |
| Noninterest income to average assets | 0.5145% | 2,650 |
| Noninterest expense to average assets | 3.7322% | 732 |
| Loan and lease loss provision to assets | 0.2915% | 584 |
| Net operating income to assets | 0.6211% | 4,097 |
| Return on assets (ROA) | 0.6708% | 4,024 |
| Pretax return on assets | 0.6708% | 4,278 |
| Return on Equity (ROE) | 6.5271% | 3,734 |
| Retained earnings to average equity (ytd only) | 1.8179% | 4,073 |
| Net charge-offs to loans | 0.2478% | 833 |
| Credit loss provision to net charge-offs | 150.4212% | 1,697 |
| Earnings coverage of net charge-offs (x) | 4.7088% | 3,180 |
| Efficiency ratio | 79.4928% | 982 |
| Assets per employee ($millions) | 4.0087% | 3,891 |
| Cash dividends to net income (ytd only)* | 72.1488% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,450 |
| Loan loss allowance to noncurrent loans | 72.7247% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.3319% | 296 |
| Noncurrent loans to loans | 1.0335% | 1,468 |
| Net loans and leases to total assets | 77.5402% | 1,152 |
| Net loans and leases to deposits | 87.5083% | 1,910 |
| Net loans and leases to core deposits | 102.7870% | 1,334 |
| Total domestic deposits to total assets | 88.6089% | 834 |
| Equity capital to assets | 9.9464% | 3,970 |
| Core capital (leverage) ratio | 8.2454% | 4,963 |
| Tier 1 risk-based capital ratio | 10.2453% | 5,082 |
| Total risk-based capital ratio | 10.9909% | 5,121 |
| Memoranda: | ||
| Average total assets | $428,760,200 | 1,633 |
| Average earning assets | $374,095,600 | 1,734 |
| Average equity | $44,062,400 | 1,787 |
| Average total loans | $335,379,600 | 1,478 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7243% | 400 |
| Cost of funding earning assets | 0.9137% | 2,168 |
| Net interest margin | 4.8106% | 411 |
| Noninterest income to average assets | 0.5930% | 2,242 |
| Noninterest expense to average assets | 3.7816% | 676 |
| Loan and lease loss provision to assets | 0.3453% | 394 |
| Net operating income to assets | 0.6593% | 4,136 |
| Return on assets (ROA) | 0.7261% | 3,993 |
| Pretax return on assets | 0.7261% | 4,286 |
| Return on Equity (ROE) | 7.0068% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.9414% | 3,913 |
| Net charge-offs to loans | 0.3242% | 533 |
| Credit loss provision to net charge-offs | 136.1386% | 1,762 |
| Earnings coverage of net charge-offs (x) | 3.9604% | 3,058 |
| Efficiency ratio | 78.1648% | 1,083 |
| Assets per employee ($millions) | 3.7622% | 4,203 |
| Cash dividends to net income (ytd only)* | 58.0200% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,594 |
| Loan loss allowance to noncurrent loans | 152.6703% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 1,265 |
| Noncurrent loans to loans | 0.4755% | 2,867 |
| Net loans and leases to total assets | 77.2573% | 1,271 |
| Net loans and leases to deposits | 87.2826% | 2,024 |
| Net loans and leases to core deposits | 103.0085% | 1,411 |
| Total domestic deposits to total assets | 88.5139% | 818 |
| Equity capital to assets | 10.0989% | 3,921 |
| Core capital (leverage) ratio | 8.5604% | 4,915 |
| Tier 1 risk-based capital ratio | 10.4155% | 5,097 |
| Total risk-based capital ratio | 11.1344% | 5,167 |
| Memoranda: | ||
| Average total assets | $424,709,500 | 1,656 |
| Average earning assets | $370,203,000 | 1,760 |
| Average equity | $44,013,500 | 1,797 |
| Average total loans | $332,315,000 | 1,493 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 322 |
| Cost of funding earning assets | 0.8493% | 2,401 |
| Net interest margin | 4.9850% | 298 |
| Noninterest income to average assets | 0.5782% | 2,253 |
| Noninterest expense to average assets | 3.8160% | 648 |
| Loan and lease loss provision to assets | 0.3909% | 314 |
| Net operating income to assets | 0.7136% | 3,959 |
| Return on assets (ROA) | 0.7136% | 4,016 |
| Pretax return on assets | 0.7136% | 4,300 |
| Return on Equity (ROE) | 6.8252% | 3,742 |
| Retained earnings to average equity (ytd only) | 1.5912% | 4,255 |
| Net charge-offs to loans | 0.3533% | 474 |
| Credit loss provision to net charge-offs | 141.1360% | 1,558 |
| Earnings coverage of net charge-offs (x) | 3.9880% | 2,777 |
| Efficiency ratio | 76.7196% | 1,305 |
| Assets per employee ($millions) | 3.6417% | 4,320 |
| Cash dividends to net income (ytd only)* | 76.6867% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 4,663 |
| Loan loss allowance to noncurrent loans | 53.0862% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 605 |
| Noncurrent loans to loans | 1.3610% | 1,142 |
| Net loans and leases to total assets | 77.8304% | 1,252 |
| Net loans and leases to deposits | 88.1665% | 1,984 |
| Net loans and leases to core deposits | 102.8131% | 1,486 |
| Total domestic deposits to total assets | 88.2766% | 977 |
| Equity capital to assets | 10.2303% | 3,770 |
| Core capital (leverage) ratio | 8.6342% | 4,889 |
| Tier 1 risk-based capital ratio | 10.3860% | 5,141 |
| Total risk-based capital ratio | 11.1007% | 5,203 |
| Memoranda: | ||
| Average total assets | $419,554,000 | 1,684 |
| Average earning assets | $365,456,000 | 1,781 |
| Average equity | $43,867,000 | 1,797 |
| Average total loans | $328,901,670 | 1,518 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0261% | 215 |
| Cost of funding earning assets | 0.7617% | 2,723 |
| Net interest margin | 5.2644% | 179 |
| Noninterest income to average assets | 0.6128% | 1,991 |
| Noninterest expense to average assets | 3.8806% | 609 |
| Loan and lease loss provision to assets | 0.1303% | 1,341 |
| Net operating income to assets | 1.1774% | 2,141 |
| Return on assets (ROA) | 1.1755% | 2,199 |
| Pretax return on assets | 1.1755% | 2,895 |
| Return on Equity (ROE) | 11.1182% | 1,905 |
| Retained earnings to average equity (ytd only) | 9.6942% | 1,110 |
| Net charge-offs to loans | 0.1182% | 1,031 |
| Credit loss provision to net charge-offs | 140.6250% | 1,292 |
| Earnings coverage of net charge-offs (x) | 14.1146% | 1,809 |
| Efficiency ratio | 73.9955% | 1,755 |
| Assets per employee ($millions) | 3.8968% | 4,073 |
| Cash dividends to net income (ytd only)* | 12.8079% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,813 |
| Loan loss allowance to noncurrent loans | 145.3776% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 1,294 |
| Noncurrent loans to loans | 0.4664% | 2,914 |
| Net loans and leases to total assets | 77.7257% | 1,202 |
| Net loans and leases to deposits | 98.3769% | 751 |
| Net loans and leases to core deposits | 110.4212% | 910 |
| Total domestic deposits to total assets | 79.0081% | 4,346 |
| Equity capital to assets | 10.5665% | 3,291 |
| Core capital (leverage) ratio | 9.1222% | 4,551 |
| Tier 1 risk-based capital ratio | 10.9859% | 4,983 |
| Total risk-based capital ratio | 11.6666% | 5,115 |
| Memoranda: | ||
| Average total assets | $414,473,500 | 1,712 |
| Average earning assets | $360,232,000 | 1,809 |
| Average equity | $43,820,000 | 1,784 |
| Average total loans | $324,911,000 | 1,543 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 1,139 |
| Cost of funding earning assets | 0.7792% | 1,638 |
| Net interest margin | 4.1779% | 1,456 |
| Noninterest income to average assets | 0.4642% | 3,028 |
| Noninterest expense to average assets | 3.4350% | 1,095 |
| Loan and lease loss provision to assets | 0.1118% | 1,975 |
| Net operating income to assets | 0.5174% | 4,622 |
| Return on assets (ROA) | 0.5174% | 4,623 |
| Pretax return on assets | 0.5174% | 4,772 |
| Return on Equity (ROE) | 4.6258% | 4,552 |
| Retained earnings to average equity (ytd only) | -9.1214% | 5,309 |
| Net charge-offs to loans | 0.0193% | 3,057 |
| Credit loss provision to net charge-offs | 750.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 42.2143% | 1,265 |
| Efficiency ratio | 84.3783% | 630 |
| Assets per employee ($millions) | 4.2853% | 3,483 |
| Cash dividends to net income (ytd only)* | 297.1879% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,261 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,181 |
| Noncurrent loans to loans | 0.3730% | 3,202 |
| Net loans and leases to total assets | 78.6647% | 1,157 |
| Net loans and leases to deposits | 96.7181% | 1,001 |
| Net loans and leases to core deposits | 107.3913% | 1,169 |
| Total domestic deposits to total assets | 81.3340% | 3,819 |
| Equity capital to assets | 10.0541% | 3,624 |
| Core capital (leverage) ratio | 8.6878% | 4,889 |
| Tier 1 risk-based capital ratio | 10.6178% | 5,138 |
| Total risk-based capital ratio | 11.4884% | 5,181 |
| Memoranda: | ||
| Average total assets | $281,779,200 | 2,258 |
| Average earning assets | $242,803,800 | 2,395 |
| Average equity | $31,519,200 | 2,248 |
| Average total loans | $217,793,600 | 2,042 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 1,306 |
| Cost of funding earning assets | 0.7481% | 1,595 |
| Net interest margin | 4.0996% | 1,632 |
| Noninterest income to average assets | 0.4569% | 3,125 |
| Noninterest expense to average assets | 3.4520% | 1,045 |
| Loan and lease loss provision to assets | 0.0998% | 2,004 |
| Net operating income to assets | 0.4379% | 4,882 |
| Return on assets (ROA) | 0.4379% | 4,890 |
| Pretax return on assets | 0.4379% | 4,990 |
| Return on Equity (ROE) | 3.8157% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.8157% | 3,869 |
| Net charge-offs to loans | 0.0310% | 2,470 |
| Credit loss provision to net charge-offs | 420.0000% | 793 |
| Earnings coverage of net charge-offs (x) | 22.6183% | 1,868 |
| Efficiency ratio | 86.3680% | 496 |
| Assets per employee ($millions) | 4.2562% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,280 |
| Loan loss allowance to noncurrent loans | 212.9797% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 2,272 |
| Noncurrent loans to loans | 0.4210% | 3,148 |
| Net loans and leases to total assets | 76.5652% | 1,575 |
| Net loans and leases to deposits | 90.3570% | 1,846 |
| Net loans and leases to core deposits | 103.5119% | 1,489 |
| Total domestic deposits to total assets | 84.7363% | 2,705 |
| Equity capital to assets | 11.9098% | 1,958 |
| Core capital (leverage) ratio | 10.2181% | 3,384 |
| Tier 1 risk-based capital ratio | 13.3567% | 3,703 |
| Total risk-based capital ratio | 14.2510% | 3,816 |
| Memoranda: | ||
| Average total assets | $280,445,000 | 2,277 |
| Average earning assets | $241,674,500 | 2,414 |
| Average equity | $32,182,250 | 2,205 |
| Average total loans | $215,277,250 | 2,068 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,188 |
| Cost of funding earning assets | 0.7211% | 1,515 |
| Net interest margin | 4.1046% | 1,540 |
| Noninterest income to average assets | 0.4606% | 3,090 |
| Noninterest expense to average assets | 3.4062% | 1,130 |
| Loan and lease loss provision to assets | 0.1236% | 1,602 |
| Net operating income to assets | 0.4733% | 4,813 |
| Return on assets (ROA) | 0.4733% | 4,818 |
| Pretax return on assets | 0.4733% | 4,950 |
| Return on Equity (ROE) | 4.1750% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.1750% | 3,524 |
| Net charge-offs to loans | 0.0876% | 1,466 |
| Credit loss provision to net charge-offs | 184.2105% | 1,384 |
| Earnings coverage of net charge-offs (x) | 8.8947% | 2,437 |
| Efficiency ratio | 84.9303% | 631 |
| Assets per employee ($millions) | 4.1110% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,640 |
| Loan loss allowance to noncurrent loans | 200.3326% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 2,364 |
| Noncurrent loans to loans | 0.4084% | 3,234 |
| Net loans and leases to total assets | 77.2323% | 1,433 |
| Net loans and leases to deposits | 90.7088% | 1,745 |
| Net loans and leases to core deposits | 105.8793% | 1,251 |
| Total domestic deposits to total assets | 85.1432% | 2,620 |
| Equity capital to assets | 11.3840% | 2,279 |
| Core capital (leverage) ratio | 10.1424% | 3,433 |
| Tier 1 risk-based capital ratio | 12.4501% | 4,218 |
| Total risk-based capital ratio | 13.2556% | 4,368 |
| Memoranda: | ||
| Average total assets | $283,127,330 | 2,263 |
| Average earning assets | $244,357,670 | 2,402 |
| Average equity | $32,095,670 | 2,221 |
| Average total loans | $216,886,670 | 2,062 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 1,327 |
| Cost of funding earning assets | 0.7065% | 1,402 |
| Net interest margin | 3.9840% | 1,775 |
| Noninterest income to average assets | 0.4808% | 2,934 |
| Noninterest expense to average assets | 3.3345% | 1,281 |
| Loan and lease loss provision to assets | 0.1485% | 1,226 |
| Net operating income to assets | 0.4426% | 4,836 |
| Return on assets (ROA) | 0.4426% | 4,836 |
| Pretax return on assets | 0.4426% | 4,972 |
| Return on Equity (ROE) | 3.9128% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.9128% | 3,628 |
| Net charge-offs to loans | 0.0354% | 1,815 |
| Credit loss provision to net charge-offs | 552.6316% | 547 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,418 |
| Efficiency ratio | 84.7622% | 739 |
| Assets per employee ($millions) | 4.1936% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,673 |
| Loan loss allowance to noncurrent loans | 271.9640% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,727 |
| Noncurrent loans to loans | 0.3092% | 3,663 |
| Net loans and leases to total assets | 74.9993% | 1,704 |
| Net loans and leases to deposits | 85.6368% | 2,211 |
| Net loans and leases to core deposits | 103.5414% | 1,411 |
| Total domestic deposits to total assets | 87.5784% | 1,860 |
| Equity capital to assets | 11.2269% | 2,366 |
| Core capital (leverage) ratio | 9.9089% | 3,630 |
| Tier 1 risk-based capital ratio | 12.8458% | 4,036 |
| Total risk-based capital ratio | 13.6910% | 4,178 |
| Memoranda: | ||
| Average total assets | $282,860,500 | 2,287 |
| Average earning assets | $244,576,500 | 2,422 |
| Average equity | $31,997,500 | 2,242 |
| Average total loans | $214,887,500 | 2,083 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,326 |
| Cost of funding earning assets | 0.5793% | 1,745 |
| Net interest margin | 4.0641% | 1,549 |
| Noninterest income to average assets | 0.4846% | 3,096 |
| Noninterest expense to average assets | 3.1133% | 1,822 |
| Loan and lease loss provision to assets | 0.2656% | 683 |
| Net operating income to assets | 0.6072% | 3,975 |
| Return on assets (ROA) | 0.6072% | 4,013 |
| Pretax return on assets | 0.6072% | 4,729 |
| Return on Equity (ROE) | 5.2236% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.2236% | 1,984 |
| Net charge-offs to loans | 0.4772% | 498 |
| Credit loss provision to net charge-offs | 73.5052% | 3,040 |
| Earnings coverage of net charge-offs (x) | 2.4155% | 3,742 |
| Efficiency ratio | 77.8806% | 1,370 |
| Assets per employee ($millions) | 4.7552% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,803 |
| Loan loss allowance to noncurrent loans | 124.1379% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 1,934 |
| Noncurrent loans to loans | 0.6502% | 2,595 |
| Net loans and leases to total assets | 75.6930% | 1,655 |
| Net loans and leases to deposits | 87.5842% | 2,067 |
| Net loans and leases to core deposits | 103.2302% | 1,468 |
| Total domestic deposits to total assets | 86.4231% | 2,265 |
| Equity capital to assets | 11.3988% | 2,285 |
| Core capital (leverage) ratio | 10.0837% | 3,344 |
| Tier 1 risk-based capital ratio | 12.3598% | 4,287 |
| Total risk-based capital ratio | 13.1434% | 4,478 |
| Memoranda: | ||
| Average total assets | $268,459,000 | 2,360 |
| Average earning assets | $231,296,000 | 2,487 |
| Average equity | $31,204,800 | 2,278 |
| Average total loans | $203,261,600 | 2,129 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 1,324 |
| Cost of funding earning assets | 0.5643% | 1,781 |
| Net interest margin | 4.0538% | 1,526 |
| Noninterest income to average assets | 0.4928% | 3,070 |
| Noninterest expense to average assets | 2.9701% | 2,192 |
| Loan and lease loss provision to assets | 0.3129% | 494 |
| Net operating income to assets | 0.6992% | 3,988 |
| Return on assets (ROA) | 0.6992% | 4,046 |
| Pretax return on assets | 0.6992% | 4,612 |
| Return on Equity (ROE) | 5.9848% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.9848% | 2,247 |
| Net charge-offs to loans | 0.5744% | 346 |
| Credit loss provision to net charge-offs | 72.1065% | 2,678 |
| Earnings coverage of net charge-offs (x) | 2.3322% | 3,475 |
| Efficiency ratio | 74.3441% | 1,841 |
| Assets per employee ($millions) | 4.3254% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,616 |
| Loan loss allowance to noncurrent loans | 219.0955% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,577 |
| Noncurrent loans to loans | 0.4050% | 3,487 |
| Net loans and leases to total assets | 75.0592% | 1,757 |
| Net loans and leases to deposits | 87.7463% | 2,094 |
| Net loans and leases to core deposits | 98.2048% | 1,867 |
| Total domestic deposits to total assets | 85.5412% | 2,500 |
| Equity capital to assets | 12.2783% | 1,788 |
| Core capital (leverage) ratio | 10.5981% | 2,884 |
| Tier 1 risk-based capital ratio | 13.1492% | 3,908 |
| Total risk-based capital ratio | 13.9981% | 4,070 |
| Memoranda: | ||
| Average total assets | $265,434,500 | 2,389 |
| Average earning assets | $228,487,750 | 2,533 |
| Average equity | $31,011,000 | 2,303 |
| Average total loans | $200,554,500 | 2,158 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,414 |
| Cost of funding earning assets | 0.5538% | 1,755 |
| Net interest margin | 3.9861% | 1,650 |
| Noninterest income to average assets | 0.4996% | 3,030 |
| Noninterest expense to average assets | 2.8907% | 2,452 |
| Loan and lease loss provision to assets | 0.3986% | 331 |
| Net operating income to assets | 0.6447% | 4,110 |
| Return on assets (ROA) | 0.6447% | 4,158 |
| Pretax return on assets | 0.6447% | 4,702 |
| Return on Equity (ROE) | 5.6108% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,342 |
| Net charge-offs to loans | 0.8579% | 225 |
| Credit loss provision to net charge-offs | 61.5473% | 2,452 |
| Earnings coverage of net charge-offs (x) | 1.6109% | 3,265 |
| Efficiency ratio | 73.2319% | 2,145 |
| Assets per employee ($millions) | 4.8202% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,889 |
| Loan loss allowance to noncurrent loans | 224.1520% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 2,175 |
| Noncurrent loans to loans | 0.3665% | 3,714 |
| Net loans and leases to total assets | 73.8855% | 1,893 |
| Net loans and leases to deposits | 92.3662% | 1,447 |
| Net loans and leases to core deposits | 98.8124% | 1,747 |
| Total domestic deposits to total assets | 79.9918% | 4,409 |
| Equity capital to assets | 11.5856% | 2,241 |
| Core capital (leverage) ratio | 10.1964% | 3,280 |
| Tier 1 risk-based capital ratio | 12.1412% | 4,536 |
| Total risk-based capital ratio | 12.8987% | 4,749 |
| Memoranda: | ||
| Average total assets | $267,405,000 | 2,388 |
| Average earning assets | $230,401,330 | 2,522 |
| Average equity | $30,726,330 | 2,319 |
| Average total loans | $201,892,670 | 2,153 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 1,350 |
| Cost of funding earning assets | 0.5541% | 1,687 |
| Net interest margin | 3.9553% | 1,591 |
| Noninterest income to average assets | 0.5035% | 2,961 |
| Noninterest expense to average assets | 2.8301% | 2,687 |
| Loan and lease loss provision to assets | 0.5351% | 190 |
| Net operating income to assets | 0.5501% | 4,379 |
| Return on assets (ROA) | 0.5501% | 4,425 |
| Pretax return on assets | 0.5501% | 4,843 |
| Return on Equity (ROE) | 4.8074% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.8074% | 3,007 |
| Net charge-offs to loans | 1.5641% | 100 |
| Credit loss provision to net charge-offs | 45.0063% | 2,031 |
| Earnings coverage of net charge-offs (x) | 0.9128% | 2,783 |
| Efficiency ratio | 72.0154% | 2,572 |
| Assets per employee ($millions) | 4.7961% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 5,103 |
| Loan loss allowance to noncurrent loans | 185.5090% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 2,033 |
| Noncurrent loans to loans | 0.4245% | 3,574 |
| Net loans and leases to total assets | 75.3502% | 1,518 |
| Net loans and leases to deposits | 86.0541% | 2,028 |
| Net loans and leases to core deposits | 93.2996% | 2,033 |
| Total domestic deposits to total assets | 87.5614% | 1,961 |
| Equity capital to assets | 11.8425% | 1,946 |
| Core capital (leverage) ratio | 9.7588% | 3,802 |
| Tier 1 risk-based capital ratio | 12.1597% | 4,614 |
| Total risk-based capital ratio | 12.8848% | 4,850 |
| Memoranda: | ||
| Average total assets | $266,142,500 | 2,420 |
| Average earning assets | $229,565,500 | 2,558 |
| Average equity | $30,453,000 | 2,344 |
| Average total loans | $202,293,500 | 2,159 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 2,537 |
| Cost of funding earning assets | 0.5214% | 1,932 |
| Net interest margin | 3.6633% | 2,851 |
| Noninterest income to average assets | 0.5016% | 3,226 |
| Noninterest expense to average assets | 2.6970% | 3,346 |
| Loan and lease loss provision to assets | 0.2004% | 1,156 |
| Net operating income to assets | 0.8064% | 3,276 |
| Return on assets (ROA) | 0.9087% | 2,892 |
| Pretax return on assets | 0.9087% | 3,822 |
| Return on Equity (ROE) | 8.3098% | 2,776 |
| Retained earnings to average equity (ytd only) | -19.8778% | 5,857 |
| Net charge-offs to loans | 0.0432% | 3,172 |
| Credit loss provision to net charge-offs | 638.2022% | 538 |
| Earnings coverage of net charge-offs (x) | 32.0674% | 1,369 |
| Efficiency ratio | 72.5143% | 2,505 |
| Assets per employee ($millions) | 5.2556% | 2,109 |
| Cash dividends to net income (ytd only)* | 339.2081% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,553 |
| Loan loss allowance to noncurrent loans | 63.6714% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3561% | 1,279 |
| Noncurrent loans to loans | 1.4989% | 1,337 |
| Net loans and leases to total assets | 75.3415% | 1,624 |
| Net loans and leases to deposits | 89.3010% | 1,763 |
| Net loans and leases to core deposits | 100.9833% | 1,539 |
| Total domestic deposits to total assets | 84.3681% | 3,286 |
| Equity capital to assets | 11.0632% | 2,573 |
| Core capital (leverage) ratio | 9.2080% | 4,468 |
| Tier 1 risk-based capital ratio | 11.1897% | 5,228 |
| Total risk-based capital ratio | 12.0563% | 5,336 |
| Memoranda: | ||
| Average total assets | $283,496,600 | 2,261 |
| Average earning assets | $247,806,600 | 2,376 |
| Average equity | $30,999,400 | 2,295 |
| Average total loans | $205,887,800 | 2,073 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 3,235 |
| Cost of funding earning assets | 0.5092% | 2,022 |
| Net interest margin | 3.4904% | 3,506 |
| Noninterest income to average assets | 0.5071% | 3,199 |
| Noninterest expense to average assets | 2.6871% | 3,383 |
| Loan and lease loss provision to assets | 0.2298% | 871 |
| Net operating income to assets | 0.6479% | 4,093 |
| Return on assets (ROA) | 0.7831% | 3,585 |
| Pretax return on assets | 0.7831% | 4,353 |
| Return on Equity (ROE) | 7.1815% | 3,459 |
| Retained earnings to average equity (ytd only) | -30.1708% | 5,944 |
| Net charge-offs to loans | 0.0500% | 2,660 |
| Credit loss provision to net charge-offs | 640.2597% | 591 |
| Earnings coverage of net charge-offs (x) | 24.4555% | 1,672 |
| Efficiency ratio | 75.0523% | 2,101 |
| Assets per employee ($millions) | 5.6857% | 1,679 |
| Cash dividends to net income (ytd only)* | 520.1202% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,879 |
| Loan loss allowance to noncurrent loans | 62.0478% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 1,520 |
| Noncurrent loans to loans | 1.4466% | 1,497 |
| Net loans and leases to total assets | 73.1429% | 2,005 |
| Net loans and leases to deposits | 88.9563% | 1,891 |
| Net loans and leases to core deposits | 100.9995% | 1,550 |
| Total domestic deposits to total assets | 82.2235% | 3,869 |
| Equity capital to assets | 10.3703% | 3,720 |
| Core capital (leverage) ratio | 8.6601% | 5,201 |
| Tier 1 risk-based capital ratio | 11.1218% | 5,301 |
| Total risk-based capital ratio | 11.9862% | 5,414 |
| Memoranda: | ||
| Average total assets | $286,047,500 | 2,248 |
| Average earning assets | $250,584,250 | 2,369 |
| Average equity | $31,190,500 | 2,292 |
| Average total loans | $205,388,000 | 2,086 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,463 |
| Cost of funding earning assets | 0.4908% | 2,182 |
| Net interest margin | 3.4508% | 3,679 |
| Noninterest income to average assets | 0.5106% | 3,118 |
| Noninterest expense to average assets | 2.7211% | 3,305 |
| Loan and lease loss provision to assets | 0.2557% | 749 |
| Net operating income to assets | 0.5563% | 4,454 |
| Return on assets (ROA) | 0.6258% | 4,293 |
| Pretax return on assets | 0.6258% | 4,825 |
| Return on Equity (ROE) | 5.6457% | 4,226 |
| Retained earnings to average equity (ytd only) | -49.7217% | 6,036 |
| Net charge-offs to loans | -0.1007% | 5,618 |
| Credit loss provision to net charge-offs | -356.8627% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6799% | 1,982 |
| Assets per employee ($millions) | 5.6796% | 1,639 |
| Cash dividends to net income (ytd only)* | 980.6958% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 4,942 |
| Loan loss allowance to noncurrent loans | 70.4684% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 1,785 |
| Noncurrent loans to loans | 1.2851% | 1,764 |
| Net loans and leases to total assets | 73.0291% | 2,009 |
| Net loans and leases to deposits | 88.6159% | 1,905 |
| Net loans and leases to core deposits | 106.4864% | 1,144 |
| Total domestic deposits to total assets | 82.4108% | 3,874 |
| Equity capital to assets | 9.9810% | 4,249 |
| Core capital (leverage) ratio | 8.6735% | 5,196 |
| Tier 1 risk-based capital ratio | 10.5701% | 5,643 |
| Total risk-based capital ratio | 11.4410% | 5,729 |
| Memoranda: | ||
| Average total assets | $284,739,330 | 2,267 |
| Average earning assets | $249,391,670 | 2,384 |
| Average equity | $31,563,670 | 2,269 |
| Average total loans | $202,512,330 | 2,112 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,325 |
| Cost of funding earning assets | 0.4735% | 2,335 |
| Net interest margin | 3.4983% | 3,482 |
| Noninterest income to average assets | 0.6012% | 2,520 |
| Noninterest expense to average assets | 2.7942% | 3,089 |
| Loan and lease loss provision to assets | 0.4137% | 326 |
| Net operating income to assets | 0.4495% | 4,834 |
| Return on assets (ROA) | 0.5912% | 4,336 |
| Pretax return on assets | 0.5912% | 4,841 |
| Return on Equity (ROE) | 5.0665% | 4,453 |
| Retained earnings to average equity (ytd only) | -102.1269% | 6,106 |
| Net charge-offs to loans | 0.0821% | 1,675 |
| Credit loss provision to net charge-offs | 722.5000% | 476 |
| Earnings coverage of net charge-offs (x) | 15.0750% | 1,677 |
| Efficiency ratio | 76.0470% | 2,171 |
| Assets per employee ($millions) | 4.9993% | 2,342 |
| Cash dividends to net income (ytd only)* | 2,115.7385% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 5,047 |
| Loan loss allowance to noncurrent loans | 94.4026% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 3,022 |
| Noncurrent loans to loans | 0.9579% | 2,460 |
| Net loans and leases to total assets | 69.9076% | 2,354 |
| Net loans and leases to deposits | 80.5360% | 2,723 |
| Net loans and leases to core deposits | 97.9999% | 1,638 |
| Total domestic deposits to total assets | 86.8030% | 2,298 |
| Equity capital to assets | 10.4381% | 3,568 |
| Core capital (leverage) ratio | 8.6495% | 5,236 |
| Tier 1 risk-based capital ratio | 11.6158% | 5,162 |
| Total risk-based capital ratio | 12.4851% | 5,285 |
| Memoranda: | ||
| Average total assets | $279,438,500 | 2,317 |
| Average earning assets | $244,117,500 | 2,430 |
| Average equity | $32,606,500 | 2,216 |
| Average total loans | $194,940,500 | 2,163 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,426 |
| Cost of funding earning assets | 0.4268% | 2,872 |
| Net interest margin | 3.5453% | 3,350 |
| Noninterest income to average assets | 0.4304% | 3,819 |
| Noninterest expense to average assets | 3.3320% | 1,644 |
| Loan and lease loss provision to assets | 0.0697% | 2,887 |
| Net operating income to assets | 0.0990% | 5,755 |
| Return on assets (ROA) | 0.3961% | 5,143 |
| Pretax return on assets | 0.3961% | 5,324 |
| Return on Equity (ROE) | 2.9979% | 5,305 |
| Retained earnings to average equity (ytd only) | 0.5655% | 5,292 |
| Net charge-offs to loans | 0.0954% | 2,470 |
| Credit loss provision to net charge-offs | 116.0714% | 2,208 |
| Earnings coverage of net charge-offs (x) | 2.8095% | 3,823 |
| Efficiency ratio | 94.7616% | 452 |
| Assets per employee ($millions) | 4.7319% | 2,688 |
| Cash dividends to net income (ytd only)* | 81.1372% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 5,489 |
| Loan loss allowance to noncurrent loans | 243.9222% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,704 |
| Noncurrent loans to loans | 0.3149% | 4,334 |
| Net loans and leases to total assets | 68.4721% | 2,629 |
| Net loans and leases to deposits | 83.8182% | 2,385 |
| Net loans and leases to core deposits | 100.5493% | 1,469 |
| Total domestic deposits to total assets | 81.6913% | 4,267 |
| Equity capital to assets | 12.8602% | 1,427 |
| Core capital (leverage) ratio | 11.4284% | 2,015 |
| Tier 1 risk-based capital ratio | 15.6249% | 2,868 |
| Total risk-based capital ratio | 16.3649% | 3,057 |
| Memoranda: | ||
| Average total assets | $279,739,600 | 2,277 |
| Average earning assets | $242,266,400 | 2,402 |
| Average equity | $36,958,600 | 1,930 |
| Average total loans | $176,163,600 | 2,281 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 3,521 |
| Cost of funding earning assets | 0.4220% | 2,990 |
| Net interest margin | 3.5337% | 3,415 |
| Noninterest income to average assets | 0.3598% | 4,361 |
| Noninterest expense to average assets | 3.2642% | 1,793 |
| Loan and lease loss provision to assets | 0.0574% | 3,037 |
| Net operating income to assets | 0.0904% | 5,865 |
| Return on assets (ROA) | 0.4880% | 4,923 |
| Pretax return on assets | 0.4880% | 5,249 |
| Return on Equity (ROE) | 3.6686% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.0465% | 4,852 |
| Net charge-offs to loans | 0.1293% | 1,845 |
| Credit loss provision to net charge-offs | 72.2892% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.8614% | 3,766 |
| Efficiency ratio | 95.2328% | 441 |
| Assets per employee ($millions) | 4.2768% | 3,366 |
| Cash dividends to net income (ytd only)* | 44.2157% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 5,608 |
| Loan loss allowance to noncurrent loans | 233.9869% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,855 |
| Noncurrent loans to loans | 0.3252% | 4,441 |
| Net loans and leases to total assets | 67.1869% | 2,824 |
| Net loans and leases to deposits | 81.8829% | 2,659 |
| Net loans and leases to core deposits | 95.0785% | 1,971 |
| Total domestic deposits to total assets | 82.0524% | 4,146 |
| Equity capital to assets | 13.3766% | 1,281 |
| Core capital (leverage) ratio | 11.7022% | 1,886 |
| Tier 1 risk-based capital ratio | 16.3415% | 2,651 |
| Total risk-based capital ratio | 17.0698% | 2,819 |
| Memoranda: | ||
| Average total assets | $278,696,000 | 2,297 |
| Average earning assets | $240,724,000 | 2,432 |
| Average equity | $37,070,250 | 1,939 |
| Average total loans | $171,227,750 | 2,353 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,629 |
| Cost of funding earning assets | 0.4242% | 2,996 |
| Net interest margin | 3.4914% | 3,534 |
| Noninterest income to average assets | 0.1391% | 5,867 |
| Noninterest expense to average assets | 3.2245% | 1,909 |
| Loan and lease loss provision to assets | 0.0430% | 3,247 |
| Net operating income to assets | -0.1248% | 6,060 |
| Return on assets (ROA) | 0.4711% | 4,982 |
| Pretax return on assets | 0.4711% | 5,299 |
| Return on Equity (ROE) | 3.5483% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.5483% | 3,771 |
| Net charge-offs to loans | -0.0580% | 5,599 |
| Credit loss provision to net charge-offs | -125.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1218% | 283 |
| Assets per employee ($millions) | 4.0434% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 5,244 |
| Loan loss allowance to noncurrent loans | 333.8947% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 5,124 |
| Noncurrent loans to loans | 0.2740% | 4,689 |
| Net loans and leases to total assets | 64.3733% | 3,213 |
| Net loans and leases to deposits | 74.8946% | 3,395 |
| Net loans and leases to core deposits | 86.1419% | 2,750 |
| Total domestic deposits to total assets | 85.9518% | 2,709 |
| Equity capital to assets | 13.8189% | 1,046 |
| Core capital (leverage) ratio | 12.1249% | 1,582 |
| Tier 1 risk-based capital ratio | 18.2503% | 1,996 |
| Total risk-based capital ratio | 19.1488% | 2,054 |
| Memoranda: | ||
| Average total assets | $278,930,330 | 2,312 |
| Average earning assets | $239,959,330 | 2,461 |
| Average equity | $37,031,670 | 1,949 |
| Average total loans | $165,568,000 | 2,426 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,722 |
| Cost of funding earning assets | 0.4122% | 3,168 |
| Net interest margin | 3.4640% | 3,565 |
| Noninterest income to average assets | 0.6471% | 2,416 |
| Noninterest expense to average assets | 3.1036% | 2,257 |
| Loan and lease loss provision to assets | 0.0421% | 3,070 |
| Net operating income to assets | 0.5095% | 4,630 |
| Return on assets (ROA) | 0.8506% | 3,122 |
| Pretax return on assets | 0.8506% | 4,058 |
| Return on Equity (ROE) | 6.5322% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.5322% | 2,220 |
| Net charge-offs to loans | -0.0594% | 5,610 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4854% | 1,318 |
| Assets per employee ($millions) | 4.8296% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 5,317 |
| Loan loss allowance to noncurrent loans | 274.5520% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2710% | 2,098 |
| Noncurrent loans to loans | 0.3404% | 4,568 |
| Net loans and leases to total assets | 56.0440% | 4,197 |
| Net loans and leases to deposits | 64.5413% | 4,312 |
| Net loans and leases to core deposits | 77.3394% | 3,442 |
| Total domestic deposits to total assets | 86.8343% | 2,466 |
| Equity capital to assets | 12.9559% | 1,425 |
| Core capital (leverage) ratio | 11.4127% | 2,070 |
| Tier 1 risk-based capital ratio | 17.9094% | 2,170 |
| Total risk-based capital ratio | 18.7625% | 2,252 |
| Memoranda: | ||
| Average total assets | $284,962,000 | 2,287 |
| Average earning assets | $247,461,500 | 2,404 |
| Average equity | $37,108,500 | 1,962 |
| Average total loans | $161,663,500 | 2,475 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,799 |
| Cost of funding earning assets | 0.4853% | 2,827 |
| Net interest margin | 3.7596% | 2,771 |
| Noninterest income to average assets | 0.6657% | 2,477 |
| Noninterest expense to average assets | 3.2674% | 2,017 |
| Loan and lease loss provision to assets | 0.1449% | 1,824 |
| Net operating income to assets | 0.4568% | 4,983 |
| Return on assets (ROA) | 0.4568% | 5,077 |
| Pretax return on assets | 0.4568% | 5,369 |
| Return on Equity (ROE) | 3.4475% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.4475% | 3,753 |
| Net charge-offs to loans | 0.0341% | 4,148 |
| Credit loss provision to net charge-offs | 675.4386% | 392 |
| Earnings coverage of net charge-offs (x) | 28.0526% | 1,410 |
| Efficiency ratio | 83.9720% | 1,411 |
| Assets per employee ($millions) | 4.5185% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 5,376 |
| Loan loss allowance to noncurrent loans | 428.1159% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 2,275 |
| Noncurrent loans to loans | 0.2164% | 5,040 |
| Net loans and leases to total assets | 56.3688% | 4,281 |
| Net loans and leases to deposits | 65.0350% | 4,425 |
| Net loans and leases to core deposits | 80.5891% | 3,228 |
| Total domestic deposits to total assets | 86.6745% | 2,472 |
| Equity capital to assets | 13.0909% | 1,322 |
| Core capital (leverage) ratio | 11.2285% | 2,192 |
| Tier 1 risk-based capital ratio | 17.8239% | 2,193 |
| Total risk-based capital ratio | 18.6602% | 2,315 |
| Memoranda: | ||
| Average total assets | $265,746,800 | 2,378 |
| Average earning assets | $226,436,200 | 2,558 |
| Average equity | $35,214,000 | 1,983 |
| Average total loans | $166,988,000 | 2,353 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,590 |
| Cost of funding earning assets | 0.4993% | 2,776 |
| Net interest margin | 3.8099% | 2,578 |
| Noninterest income to average assets | 0.6658% | 2,498 |
| Noninterest expense to average assets | 3.2876% | 1,931 |
| Loan and lease loss provision to assets | 0.1806% | 1,359 |
| Net operating income to assets | 0.4303% | 5,143 |
| Return on assets (ROA) | 0.4303% | 5,216 |
| Pretax return on assets | 0.4303% | 5,518 |
| Return on Equity (ROE) | 3.2367% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.2367% | 4,327 |
| Net charge-offs to loans | 0.0450% | 3,594 |
| Credit loss provision to net charge-offs | 622.8070% | 481 |
| Earnings coverage of net charge-offs (x) | 21.0696% | 1,696 |
| Efficiency ratio | 83.8487% | 1,405 |
| Assets per employee ($millions) | 4.3130% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 5,602 |
| Loan loss allowance to noncurrent loans | 456.4669% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 2,431 |
| Noncurrent loans to loans | 0.1970% | 5,314 |
| Net loans and leases to total assets | 58.6746% | 3,979 |
| Net loans and leases to deposits | 67.7970% | 4,154 |
| Net loans and leases to core deposits | 80.9232% | 3,205 |
| Total domestic deposits to total assets | 86.5446% | 2,560 |
| Equity capital to assets | 13.1732% | 1,344 |
| Core capital (leverage) ratio | 11.7338% | 1,884 |
| Tier 1 risk-based capital ratio | 17.5790% | 2,366 |
| Total risk-based capital ratio | 18.3970% | 2,507 |
| Memoranda: | ||
| Average total assets | $262,146,500 | 2,429 |
| Average earning assets | $222,435,000 | 2,611 |
| Average equity | $34,849,000 | 2,012 |
| Average total loans | $168,886,750 | 2,345 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,257 |
| Cost of funding earning assets | 0.5092% | 2,736 |
| Net interest margin | 3.8715% | 2,292 |
| Noninterest income to average assets | 0.6248% | 2,683 |
| Noninterest expense to average assets | 3.2971% | 1,933 |
| Loan and lease loss provision to assets | 0.1776% | 1,379 |
| Net operating income to assets | 0.4209% | 5,129 |
| Return on assets (ROA) | 0.4209% | 5,214 |
| Pretax return on assets | 0.4209% | 5,497 |
| Return on Equity (ROE) | 3.1563% | 5,476 |
| Retained earnings to average equity (ytd only) | 3.1563% | 4,193 |
| Net charge-offs to loans | 0.0233% | 3,735 |
| Credit loss provision to net charge-offs | 1,150.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 38.7500% | 1,081 |
| Efficiency ratio | 84.1396% | 1,496 |
| Assets per employee ($millions) | 4.4097% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 5,921 |
| Loan loss allowance to noncurrent loans | 262.0424% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4248% | 2,292 |
| Noncurrent loans to loans | 0.3142% | 5,069 |
| Net loans and leases to total assets | 64.0532% | 3,066 |
| Net loans and leases to deposits | 74.6015% | 3,257 |
| Net loans and leases to core deposits | 84.6864% | 2,659 |
| Total domestic deposits to total assets | 85.8604% | 3,117 |
| Equity capital to assets | 13.8800% | 1,023 |
| Core capital (leverage) ratio | 12.1537% | 1,570 |
| Tier 1 risk-based capital ratio | 17.4159% | 2,456 |
| Total risk-based capital ratio | 18.1853% | 2,609 |
| Memoranda: | ||
| Average total assets | $258,955,670 | 2,465 |
| Average earning assets | $218,781,000 | 2,651 |
| Average equity | $34,534,000 | 2,015 |
| Average total loans | $171,556,670 | 2,324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 1,789 |
| Cost of funding earning assets | 0.4901% | 3,011 |
| Net interest margin | 4.0174% | 1,697 |
| Noninterest income to average assets | 0.6095% | 2,680 |
| Noninterest expense to average assets | 3.1917% | 2,264 |
| Loan and lease loss provision to assets | 0.2303% | 962 |
| Net operating income to assets | 0.5849% | 4,264 |
| Return on assets (ROA) | 0.5849% | 4,338 |
| Pretax return on assets | 0.5849% | 4,881 |
| Return on Equity (ROE) | 4.4756% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.4756% | 3,434 |
| Net charge-offs to loans | 0.0069% | 3,514 |
| Credit loss provision to net charge-offs | 5,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 282 |
| Efficiency ratio | 79.1571% | 2,314 |
| Assets per employee ($millions) | 4.4251% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 6,156 |
| Loan loss allowance to noncurrent loans | 255.3150% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4747% | 2,399 |
| Noncurrent loans to loans | 0.3026% | 5,204 |
| Net loans and leases to total assets | 63.8135% | 2,927 |
| Net loans and leases to deposits | 73.7782% | 3,099 |
| Net loans and leases to core deposits | 83.9805% | 2,519 |
| Total domestic deposits to total assets | 86.4937% | 3,108 |
| Equity capital to assets | 13.2788% | 1,178 |
| Core capital (leverage) ratio | 11.9627% | 1,673 |
| Tier 1 risk-based capital ratio | 16.8973% | 2,736 |
| Total risk-based capital ratio | 17.6134% | 2,938 |
| Memoranda: | ||
| Average total assets | $260,551,500 | 2,450 |
| Average earning assets | $220,341,000 | 2,650 |
| Average equity | $34,051,000 | 2,029 |
| Average total loans | $174,742,500 | 2,292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 1,197 |
| Cost of funding earning assets | 0.4972% | 3,643 |
| Net interest margin | 4.3529% | 992 |
| Noninterest income to average assets | 0.5069% | 3,710 |
| Noninterest expense to average assets | 3.7694% | 1,184 |
| Loan and lease loss provision to assets | 0.1263% | 2,733 |
| Net operating income to assets | 0.2653% | 5,640 |
| Return on assets (ROA) | 0.4027% | 5,251 |
| Pretax return on assets | 0.4027% | 5,491 |
| Return on Equity (ROE) | 2.9199% | 5,538 |
| Retained earnings to average equity (ytd only) | -6.7874% | 6,451 |
| Net charge-offs to loans | 0.1226% | 3,582 |
| Credit loss provision to net charge-offs | 148.3721% | 1,567 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 3,519 |
| Efficiency ratio | 90.0457% | 1,022 |
| Assets per employee ($millions) | 4.4072% | 3,072 |
| Cash dividends to net income (ytd only)* | 332.4484% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 6,442 |
| Loan loss allowance to noncurrent loans | 141.1548% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 2,326 |
| Noncurrent loans to loans | 0.4483% | 4,877 |
| Net loans and leases to total assets | 69.3918% | 2,110 |
| Net loans and leases to deposits | 86.2909% | 1,647 |
| Net loans and leases to core deposits | 95.3714% | 1,498 |
| Total domestic deposits to total assets | 80.4161% | 5,338 |
| Equity capital to assets | 12.8580% | 1,341 |
| Core capital (leverage) ratio | 11.7662% | 1,780 |
| Tier 1 risk-based capital ratio | 15.4695% | 3,392 |
| Total risk-based capital ratio | 16.0578% | 3,721 |
| Memoranda: | ||
| Average total assets | $252,533,000 | 2,505 |
| Average earning assets | $211,997,400 | 2,698 |
| Average equity | $34,829,400 | 1,979 |
| Average total loans | $175,366,800 | 2,249 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 1,281 |
| Cost of funding earning assets | 0.4970% | 3,795 |
| Net interest margin | 4.3361% | 1,016 |
| Noninterest income to average assets | 0.4835% | 3,910 |
| Noninterest expense to average assets | 3.6399% | 1,334 |
| Loan and lease loss provision to assets | 0.0718% | 3,625 |
| Net operating income to assets | 0.4101% | 5,209 |
| Return on assets (ROA) | 0.5947% | 4,499 |
| Pretax return on assets | 0.5947% | 5,031 |
| Return on Equity (ROE) | 4.2374% | 5,114 |
| Retained earnings to average equity (ytd only) | -8.5771% | 6,608 |
| Net charge-offs to loans | 0.0936% | 3,630 |
| Credit loss provision to net charge-offs | 110.6557% | 2,132 |
| Earnings coverage of net charge-offs (x) | 7.4263% | 2,797 |
| Efficiency ratio | 87.7533% | 1,193 |
| Assets per employee ($millions) | 4.0323% | 3,766 |
| Cash dividends to net income (ytd only)* | 302.4151% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5625% | 6,608 |
| Loan loss allowance to noncurrent loans | 68.7662% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 2,189 |
| Noncurrent loans to loans | 0.8179% | 4,199 |
| Net loans and leases to total assets | 70.3498% | 1,904 |
| Net loans and leases to deposits | 94.7965% | 770 |
| Net loans and leases to core deposits | 100.9914% | 1,055 |
| Total domestic deposits to total assets | 74.2114% | 6,358 |
| Equity capital to assets | 12.7846% | 1,433 |
| Core capital (leverage) ratio | 12.3898% | 1,476 |
| Tier 1 risk-based capital ratio | 14.2935% | 4,219 |
| Total risk-based capital ratio | 14.7931% | 4,685 |
| Memoranda: | ||
| Average total assets | $250,660,000 | 2,539 |
| Average earning assets | $210,324,000 | 2,736 |
| Average equity | $35,178,250 | 1,975 |
| Average total loans | $173,812,250 | 2,268 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 1,363 |
| Cost of funding earning assets | 0.5010% | 3,886 |
| Net interest margin | 4.2836% | 1,062 |
| Noninterest income to average assets | 0.4424% | 4,228 |
| Noninterest expense to average assets | 3.5829% | 1,442 |
| Loan and lease loss provision to assets | 0.0489% | 4,002 |
| Net operating income to assets | 0.3976% | 5,226 |
| Return on assets (ROA) | 0.6672% | 4,137 |
| Pretax return on assets | 0.6672% | 4,789 |
| Return on Equity (ROE) | 4.6059% | 4,949 |
| Retained earnings to average equity (ytd only) | -14.4082% | 6,747 |
| Net charge-offs to loans | 0.0130% | 4,597 |
| Credit loss provision to net charge-offs | 545.4545% | 521 |
| Earnings coverage of net charge-offs (x) | 49.8182% | 804 |
| Efficiency ratio | 88.3138% | 1,193 |
| Assets per employee ($millions) | 3.5590% | 4,731 |
| Cash dividends to net income (ytd only)* | 412.8205% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 6,615 |
| Loan loss allowance to noncurrent loans | 145.0331% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 2,894 |
| Noncurrent loans to loans | 0.4160% | 5,218 |
| Net loans and leases to total assets | 68.4973% | 2,149 |
| Net loans and leases to deposits | 89.4091% | 1,201 |
| Net loans and leases to core deposits | 97.5298% | 1,249 |
| Total domestic deposits to total assets | 76.6112% | 6,183 |
| Equity capital to assets | 13.2007% | 1,258 |
| Core capital (leverage) ratio | 12.6992% | 1,288 |
| Tier 1 risk-based capital ratio | 14.3334% | 4,203 |
| Total risk-based capital ratio | 14.8568% | 4,669 |
| Memoranda: | ||
| Average total assets | $245,502,330 | 2,595 |
| Average earning assets | $205,573,670 | 2,805 |
| Average equity | $35,563,000 | 1,956 |
| Average total loans | $168,988,670 | 2,318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 1,182 |
| Cost of funding earning assets | 0.4755% | 4,323 |
| Net interest margin | 4.3833% | 826 |
| Noninterest income to average assets | 0.4244% | 4,288 |
| Noninterest expense to average assets | 3.7773% | 1,144 |
| Loan and lease loss provision to assets | 0.0507% | 3,772 |
| Net operating income to assets | 0.2435% | 5,749 |
| Return on assets (ROA) | 0.2756% | 5,765 |
| Pretax return on assets | 0.2756% | 5,906 |
| Return on Equity (ROE) | 1.8131% | 5,999 |
| Retained earnings to average equity (ytd only) | -35.7938% | 6,919 |
| Net charge-offs to loans | 0.0270% | 3,651 |
| Credit loss provision to net charge-offs | 272.7273% | 863 |
| Earnings coverage of net charge-offs (x) | 15.8182% | 1,386 |
| Efficiency ratio | 92.1512% | 965 |
| Assets per employee ($millions) | 3.1745% | 5,684 |
| Cash dividends to net income (ytd only)* | 2,074.2331% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 6,644 |
| Loan loss allowance to noncurrent loans | 119.3946% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 2,746 |
| Noncurrent loans to loans | 0.5494% | 5,063 |
| Net loans and leases to total assets | 67.7468% | 2,061 |
| Net loans and leases to deposits | 79.6031% | 2,133 |
| Net loans and leases to core deposits | 87.6394% | 1,945 |
| Total domestic deposits to total assets | 85.1057% | 3,987 |
| Equity capital to assets | 14.4289% | 897 |
| Core capital (leverage) ratio | 12.8274% | 1,184 |
| Tier 1 risk-based capital ratio | 15.5559% | 3,499 |
| Total risk-based capital ratio | 16.1210% | 3,889 |
| Memoranda: | ||
| Average total assets | $236,571,000 | 2,713 |
| Average earning assets | $196,837,000 | 2,935 |
| Average equity | $35,961,500 | 1,964 |
| Average total loans | $162,736,500 | 2,410 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 2,001 |
| Cost of funding earning assets | 0.5048% | 5,182 |
| Net interest margin | 4.3511% | 1,283 |
| Noninterest income to average assets | 0.5634% | 3,493 |
| Noninterest expense to average assets | 3.3777% | 2,112 |
| Loan and lease loss provision to assets | 0.0705% | 4,857 |
| Net operating income to assets | 0.8184% | 3,197 |
| Return on assets (ROA) | 0.8512% | 3,288 |
| Pretax return on assets | 0.8512% | 4,098 |
| Return on Equity (ROE) | 4.9903% | 4,681 |
| Retained earnings to average equity (ytd only) | -1.4239% | 6,079 |
| Net charge-offs to loans | 0.3317% | 2,981 |
| Credit loss provision to net charge-offs | 32.6403% | 5,071 |
| Earnings coverage of net charge-offs (x) | 4.1164% | 3,477 |
| Efficiency ratio | 79.1667% | 2,257 |
| Assets per employee ($millions) | 3.3107% | 5,396 |
| Cash dividends to net income (ytd only)* | 128.5338% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 6,710 |
| Loan loss allowance to noncurrent loans | 118.3258% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7192% | 2,817 |
| Noncurrent loans to loans | 0.5420% | 5,172 |
| Net loans and leases to total assets | 68.9480% | 2,044 |
| Net loans and leases to deposits | 84.2703% | 1,723 |
| Net loans and leases to core deposits | 90.1599% | 1,817 |
| Total domestic deposits to total assets | 81.8176% | 5,158 |
| Equity capital to assets | 15.9834% | 557 |
| Core capital (leverage) ratio | 14.1390% | 763 |
| Tier 1 risk-based capital ratio | 17.1875% | 2,567 |
| Total risk-based capital ratio | 17.7403% | 2,867 |
| Memoranda: | ||
| Average total assets | $222,757,400 | 2,814 |
| Average earning assets | $189,583,200 | 2,965 |
| Average equity | $37,993,400 | 1,827 |
| Average total loans | $144,998,000 | 2,649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 2,401 |
| Cost of funding earning assets | 0.5061% | 5,401 |
| Net interest margin | 4.2909% | 1,496 |
| Noninterest income to average assets | 0.6063% | 3,235 |
| Noninterest expense to average assets | 3.3053% | 2,260 |
| Loan and lease loss provision to assets | 0.0771% | 4,675 |
| Net operating income to assets | 0.8928% | 3,018 |
| Return on assets (ROA) | 0.8928% | 3,254 |
| Pretax return on assets | 0.8928% | 4,139 |
| Return on Equity (ROE) | 5.1478% | 4,751 |
| Retained earnings to average equity (ytd only) | -2.7471% | 6,461 |
| Net charge-offs to loans | 0.4575% | 2,268 |
| Credit loss provision to net charge-offs | 26.3485% | 4,858 |
| Earnings coverage of net charge-offs (x) | 3.3154% | 3,697 |
| Efficiency ratio | 77.3140% | 2,479 |
| Assets per employee ($millions) | 3.4003% | 5,208 |
| Cash dividends to net income (ytd only)* | 153.3651% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 6,800 |
| Loan loss allowance to noncurrent loans | 50.8781% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.2252% | 2,400 |
| Noncurrent loans to loans | 1.2879% | 3,891 |
| Net loans and leases to total assets | 63.6775% | 3,079 |
| Net loans and leases to deposits | 83.6488% | 1,909 |
| Net loans and leases to core deposits | 89.3358% | 2,064 |
| Total domestic deposits to total assets | 76.1248% | 6,366 |
| Equity capital to assets | 15.4740% | 710 |
| Core capital (leverage) ratio | 14.6896% | 671 |
| Tier 1 risk-based capital ratio | 17.7729% | 2,435 |
| Total risk-based capital ratio | 18.3315% | 2,650 |
| Memoranda: | ||
| Average total assets | $219,682,500 | 2,861 |
| Average earning assets | $187,833,500 | 3,019 |
| Average equity | $38,099,250 | 1,842 |
| Average total loans | $140,469,250 | 2,744 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 2,366 |
| Cost of funding earning assets | 0.5191% | 5,488 |
| Net interest margin | 4.3143% | 1,446 |
| Noninterest income to average assets | 0.6138% | 3,175 |
| Noninterest expense to average assets | 3.0428% | 3,115 |
| Loan and lease loss provision to assets | 0.0913% | 4,424 |
| Net operating income to assets | 1.1495% | 1,880 |
| Return on assets (ROA) | 1.1495% | 2,094 |
| Pretax return on assets | 1.1495% | 3,121 |
| Return on Equity (ROE) | 6.3682% | 4,120 |
| Retained earnings to average equity (ytd only) | 2.5243% | 4,924 |
| Net charge-offs to loans | 0.5659% | 1,898 |
| Credit loss provision to net charge-offs | 25.2604% | 4,524 |
| Earnings coverage of net charge-offs (x) | 3.4323% | 3,374 |
| Efficiency ratio | 71.0330% | 3,592 |
| Assets per employee ($millions) | 3.5600% | 4,844 |
| Cash dividends to net income (ytd only)* | 60.3604% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 6,796 |
| Loan loss allowance to noncurrent loans | 29.0973% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 3.2866% | 1,651 |
| Noncurrent loans to loans | 2.4857% | 2,424 |
| Net loans and leases to total assets | 67.3500% | 2,398 |
| Net loans and leases to deposits | 86.1831% | 1,572 |
| Net loans and leases to core deposits | 93.5413% | 1,651 |
| Total domestic deposits to total assets | 78.1476% | 6,129 |
| Equity capital to assets | 17.4622% | 386 |
| Core capital (leverage) ratio | 15.6813% | 502 |
| Tier 1 risk-based capital ratio | 19.8591% | 1,736 |
| Total risk-based capital ratio | 20.5008% | 1,875 |
| Memoranda: | ||
| Average total assets | $212,437,330 | 2,947 |
| Average earning assets | $180,699,330 | 3,120 |
| Average equity | $38,346,670 | 1,822 |
| Average total loans | $135,711,330 | 2,822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 2,970 |
| Cost of funding earning assets | 0.5262% | 5,628 |
| Net interest margin | 4.1938% | 1,773 |
| Noninterest income to average assets | 0.6356% | 3,020 |
| Noninterest expense to average assets | 2.9880% | 3,297 |
| Loan and lease loss provision to assets | 0.1287% | 3,734 |
| Net operating income to assets | 1.0850% | 2,153 |
| Return on assets (ROA) | 1.0850% | 2,337 |
| Pretax return on assets | 1.0850% | 3,382 |
| Return on Equity (ROE) | 5.9087% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.2459% | 4,040 |
| Net charge-offs to loans | 1.2028% | 853 |
| Credit loss provision to net charge-offs | 17.3127% | 3,817 |
| Earnings coverage of net charge-offs (x) | 1.6331% | 3,505 |
| Efficiency ratio | 71.1152% | 3,601 |
| Assets per employee ($millions) | 3.8018% | 4,415 |
| Cash dividends to net income (ytd only)* | 28.1416% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 6,778 |
| Loan loss allowance to noncurrent loans | 55.5026% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.5997% | 2,275 |
| Noncurrent loans to loans | 1.3981% | 4,014 |
| Net loans and leases to total assets | 64.1484% | 2,823 |
| Net loans and leases to deposits | 84.6422% | 1,581 |
| Net loans and leases to core deposits | 93.4661% | 1,508 |
| Total domestic deposits to total assets | 75.7878% | 6,572 |
| Equity capital to assets | 18.3930% | 317 |
| Core capital (leverage) ratio | 16.2409% | 439 |
| Tier 1 risk-based capital ratio | 21.6688% | 1,341 |
| Total risk-based capital ratio | 22.3490% | 1,442 |
| Memoranda: | ||
| Average total assets | $208,297,500 | 3,008 |
| Average earning assets | $177,119,500 | 3,192 |
| Average equity | $38,249,000 | 1,819 |
| Average total loans | $128,699,000 | 2,964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,653 |
| Cost of funding earning assets | 0.8841% | 4,226 |
| Net interest margin | 3.4495% | 5,335 |
| Noninterest income to average assets | 1.9747% | 384 |
| Noninterest expense to average assets | 3.1956% | 2,884 |
| Loan and lease loss provision to assets | 0.0702% | 5,741 |
| Net operating income to assets | 1.7390% | 514 |
| Return on assets (ROA) | 1.7403% | 552 |
| Pretax return on assets | 1.7403% | 909 |
| Return on Equity (ROE) | 12.3382% | 1,321 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,677 |
| Net charge-offs to loans | 0.0635% | 5,663 |
| Credit loss provision to net charge-offs | 181.8182% | 1,422 |
| Earnings coverage of net charge-offs (x) | 46.8295% | 592 |
| Efficiency ratio | 63.8509% | 5,151 |
| Assets per employee ($millions) | 3.9150% | 4,041 |
| Cash dividends to net income (ytd only)* | 59.8385% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,736 |
| Loan loss allowance to noncurrent loans | 54.0253% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.8695% | 2,101 |
| Noncurrent loans to loans | 2.0734% | 3,106 |
| Net loans and leases to total assets | 58.2402% | 4,328 |
| Net loans and leases to deposits | 76.8177% | 3,037 |
| Net loans and leases to core deposits | 83.2794% | 2,985 |
| Total domestic deposits to total assets | 75.8162% | 6,508 |
| Equity capital to assets | 18.3321% | 327 |
| Core capital (leverage) ratio | 16.3158% | 431 |
| Tier 1 risk-based capital ratio | 23.1961% | 1,079 |
| Total risk-based capital ratio | 24.1585% | 1,092 |
| Memoranda: | ||
| Average total assets | $227,779,800 | 2,753 |
| Average earning assets | $200,087,000 | 2,853 |
| Average equity | $32,127,800 | 2,070 |
| Average total loans | $138,657,400 | 2,814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 5,832 |
| Cost of funding earning assets | 0.9579% | 3,980 |
| Net interest margin | 3.3767% | 5,645 |
| Noninterest income to average assets | 2.3883% | 283 |
| Noninterest expense to average assets | 3.2386% | 2,703 |
| Loan and lease loss provision to assets | 0.0916% | 5,310 |
| Net operating income to assets | 2.0493% | 315 |
| Return on assets (ROA) | 2.0510% | 334 |
| Pretax return on assets | 2.0510% | 564 |
| Return on Equity (ROE) | 15.5819% | 737 |
| Retained earnings to average equity (ytd only) | 11.8843% | 512 |
| Net charge-offs to loans | 0.0467% | 5,520 |
| Credit loss provision to net charge-offs | 320.0000% | 881 |
| Earnings coverage of net charge-offs (x) | 74.7744% | 457 |
| Efficiency ratio | 60.2022% | 5,686 |
| Assets per employee ($millions) | 3.9967% | 3,849 |
| Cash dividends to net income (ytd only)* | 23.7299% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,622 |
| Loan loss allowance to noncurrent loans | 173.0627% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 2.0368% | 3,098 |
| Noncurrent loans to loans | 0.6727% | 5,538 |
| Net loans and leases to total assets | 57.4749% | 4,593 |
| Net loans and leases to deposits | 76.4015% | 3,265 |
| Net loans and leases to core deposits | 81.5848% | 3,392 |
| Total domestic deposits to total assets | 75.2273% | 6,616 |
| Equity capital to assets | 18.8558% | 323 |
| Core capital (leverage) ratio | 17.6209% | 357 |
| Tier 1 risk-based capital ratio | 24.9151% | 921 |
| Total risk-based capital ratio | 25.9194% | 927 |
| Memoranda: | ||
| Average total assets | $232,851,250 | 2,700 |
| Average earning assets | $206,271,750 | 2,779 |
| Average equity | $30,650,250 | 2,159 |
| Average total loans | $142,768,250 | 2,765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 5,676 |
| Cost of funding earning assets | 1.0379% | 3,683 |
| Net interest margin | 3.3675% | 5,653 |
| Noninterest income to average assets | 0.4934% | 3,922 |
| Noninterest expense to average assets | 3.3907% | 2,286 |
| Loan and lease loss provision to assets | 0.0995% | 5,079 |
| Net operating income to assets | -0.0050% | 6,236 |
| Return on assets (ROA) | -0.0050% | 6,307 |
| Pretax return on assets | -0.0050% | 6,274 |
| Return on Equity (ROE) | -0.0432% | 6,308 |
| Retained earnings to average equity (ytd only) | -0.0432% | 5,845 |
| Net charge-offs to loans | 0.0347% | 5,366 |
| Credit loss provision to net charge-offs | 461.5385% | 663 |
| Earnings coverage of net charge-offs (x) | 4.3846% | 2,870 |
| Efficiency ratio | 97.2877% | 820 |
| Assets per employee ($millions) | 3.6475% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,668 |
| Loan loss allowance to noncurrent loans | 108.5870% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 5,559 |
| Noncurrent loans to loans | 0.8258% | 5,278 |
| Net loans and leases to total assets | 65.8526% | 3,057 |
| Net loans and leases to deposits | 79.6028% | 2,868 |
| Net loans and leases to core deposits | 88.7835% | 2,529 |
| Total domestic deposits to total assets | 82.7265% | 4,894 |
| Equity capital to assets | 12.0135% | 2,075 |
| Core capital (leverage) ratio | 10.1336% | 3,102 |
| Tier 1 risk-based capital ratio | 14.1698% | 4,043 |
| Total risk-based capital ratio | 14.9996% | 4,318 |
| Memoranda: | ||
| Average total assets | $241,191,670 | 2,648 |
| Average earning assets | $214,284,670 | 2,711 |
| Average equity | $27,804,330 | 2,327 |
| Average total loans | $150,072,000 | 2,685 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 6,386 |
| Cost of funding earning assets | 1.1045% | 3,488 |
| Net interest margin | 3.0494% | 6,460 |
| Noninterest income to average assets | 0.6333% | 2,943 |
| Noninterest expense to average assets | 3.3085% | 2,532 |
| Loan and lease loss provision to assets | 0.0979% | 4,780 |
| Net operating income to assets | -0.0604% | 6,419 |
| Return on assets (ROA) | -0.0604% | 6,437 |
| Pretax return on assets | -0.0604% | 6,413 |
| Return on Equity (ROE) | -0.5346% | 6,432 |
| Retained earnings to average equity (ytd only) | -0.5346% | 5,889 |
| Net charge-offs to loans | 0.0705% | 4,226 |
| Credit loss provision to net charge-offs | 230.7692% | 1,326 |
| Earnings coverage of net charge-offs (x) | 0.8846% | 3,984 |
| Efficiency ratio | 98.8780% | 794 |
| Assets per employee ($millions) | 3.8197% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 6,717 |
| Loan loss allowance to noncurrent loans | 149.0482% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 6,003 |
| Noncurrent loans to loans | 0.5990% | 5,832 |
| Net loans and leases to total assets | 61.3993% | 3,985 |
| Net loans and leases to deposits | 73.6184% | 3,817 |
| Net loans and leases to core deposits | 83.0075% | 3,305 |
| Total domestic deposits to total assets | 83.4020% | 4,744 |
| Equity capital to assets | 11.5090% | 2,256 |
| Core capital (leverage) ratio | 9.6612% | 3,583 |
| Tier 1 risk-based capital ratio | 14.3067% | 3,866 |
| Total risk-based capital ratio | 15.1102% | 4,143 |
| Memoranda: | ||
| Average total assets | $245,068,500 | 2,615 |
| Average earning assets | $218,008,500 | 2,689 |
| Average equity | $27,684,500 | 2,323 |
| Average total loans | $147,550,000 | 2,747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2505% | 7,632 |
| Cost of funding earning assets | 0.0487% | 7,604 |
| Net interest margin | 0.2018% | 7,630 |
| Noninterest income to average assets | 0.0239% | 7,207 |
| Noninterest expense to average assets | 0.2876% | 7,630 |
| Loan and lease loss provision to assets | 0.0225% | 6,898 |
| Net operating income to assets | -0.1071% | 6,003 |
| Return on assets (ROA) | -0.1071% | 6,060 |
| Pretax return on assets | -0.1071% | 6,006 |
| Return on Equity (ROE) | -1.0784% | 6,070 |
| Retained earnings to average equity (ytd only) | -1.0784% | 5,815 |
| Net charge-offs to loans | 0.0199% | 6,616 |
| Credit loss provision to net charge-offs | 178.5714% | 1,853 |
| Earnings coverage of net charge-offs (x) | -6.7143% | 6,784 |
| Efficiency ratio | 141.6851% | 248 |
| Assets per employee ($millions) | 3.4178% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,758 |
| Loan loss allowance to noncurrent loans | 150.1157% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 6,153 |
| Noncurrent loans to loans | 0.5917% | 5,862 |
| Net loans and leases to total assets | 58.0050% | 5,024 |
| Net loans and leases to deposits | 70.6478% | 4,734 |
| Net loans and leases to core deposits | 76.5154% | 4,636 |
| Total domestic deposits to total assets | 82.1045% | 5,157 |
| Equity capital to assets | 11.0918% | 2,606 |
| Core capital (leverage) ratio | 10.5300% | 2,525 |
| Tier 1 risk-based capital ratio | 14.3594% | 3,640 |
| Total risk-based capital ratio | 15.1446% | 3,910 |
| Memoranda: | ||
| Average total assets | $222,145,800 | 2,841 |
| Average earning assets | $197,230,200 | 2,911 |
| Average equity | $22,070,000 | 2,868 |
| Average total loans | $140,782,400 | 2,936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4406% | 2,687 |
| Cost of funding earning assets | 1.1261% | 5,277 |
| Net interest margin | 4.3145% | 1,797 |
| Noninterest income to average assets | 0.5982% | 3,450 |
| Noninterest expense to average assets | 3.2084% | 2,902 |
| Loan and lease loss provision to assets | 0.1362% | 5,666 |
| Net operating income to assets | 1.0119% | 2,193 |
| Return on assets (ROA) | 1.0119% | 2,315 |
| Pretax return on assets | 1.0831% | 2,885 |
| Return on Equity (ROE) | 10.5405% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.5405% | 679 |
| Net charge-offs to loans | 0.4789% | 3,359 |
| Credit loss provision to net charge-offs | 43.9122% | 5,970 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 3,251 |
| Efficiency ratio | 72.4615% | 3,618 |
| Assets per employee ($millions) | 3.1015% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 6,735 |
| Loan loss allowance to noncurrent loans | 177.7008% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,310 |
| Noncurrent loans to loans | 0.5080% | 6,182 |
| Net loans and leases to total assets | 63.9651% | 4,134 |
| Net loans and leases to deposits | 78.7614% | 3,678 |
| Net loans and leases to core deposits | 85.1199% | 3,781 |
| Total domestic deposits to total assets | 81.2137% | 5,297 |
| Equity capital to assets | 9.7542% | 4,469 |
| Core capital (leverage) ratio | 9.0269% | 4,652 |
| Tier 1 risk-based capital ratio | 12.2736% | 5,204 |
| Total risk-based capital ratio | 13.0923% | 5,577 |
| Memoranda: | ||
| Average total assets | $215,307,500 | 2,974 |
| Average earning assets | $191,103,250 | 3,021 |
| Average equity | $20,669,000 | 3,091 |
| Average total loans | $139,473,250 | 2,991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,602 |
| Cost of funding earning assets | 1.1739% | 5,271 |
| Net interest margin | 4.3095% | 1,738 |
| Noninterest income to average assets | 0.6168% | 3,211 |
| Noninterest expense to average assets | 3.3078% | 2,539 |
| Loan and lease loss provision to assets | 0.1217% | 5,684 |
| Net operating income to assets | 1.0015% | 2,198 |
| Return on assets (ROA) | 1.0015% | 2,276 |
| Pretax return on assets | 1.0015% | 3,109 |
| Return on Equity (ROE) | 10.4907% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.4907% | 751 |
| Net charge-offs to loans | 0.1284% | 4,914 |
| Credit loss provision to net charge-offs | 146.0674% | 2,710 |
| Earnings coverage of net charge-offs (x) | 13.4831% | 1,586 |
| Efficiency ratio | 74.6515% | 3,342 |
| Assets per employee ($millions) | 3.0464% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,857 |
| Loan loss allowance to noncurrent loans | 82.8601% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 5,104 |
| Noncurrent loans to loans | 1.3480% | 4,692 |
| Net loans and leases to total assets | 65.6947% | 3,902 |
| Net loans and leases to deposits | 82.5882% | 3,165 |
| Net loans and leases to core deposits | 89.9328% | 3,279 |
| Total domestic deposits to total assets | 79.5449% | 5,877 |
| Equity capital to assets | 9.6873% | 4,417 |
| Core capital (leverage) ratio | 8.8226% | 4,877 |
| Tier 1 risk-based capital ratio | 12.1095% | 5,214 |
| Total risk-based capital ratio | 13.1389% | 5,386 |
| Memoranda: | ||
| Average total assets | $213,675,670 | 3,011 |
| Average earning assets | $189,115,330 | 3,075 |
| Average equity | $20,399,000 | 3,125 |
| Average total loans | $138,585,670 | 3,041 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4398% | 2,864 |
| Cost of funding earning assets | 1.2453% | 5,143 |
| Net interest margin | 4.1945% | 2,057 |
| Noninterest income to average assets | 0.6027% | 3,263 |
| Noninterest expense to average assets | 3.3866% | 2,271 |
| Loan and lease loss provision to assets | 0.0753% | 5,888 |
| Net operating income to assets | 0.8457% | 2,769 |
| Return on assets (ROA) | 0.8457% | 2,864 |
| Pretax return on assets | 0.8457% | 3,685 |
| Return on Equity (ROE) | 8.9256% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.9256% | 1,421 |
| Net charge-offs to loans | 0.2088% | 3,667 |
| Credit loss provision to net charge-offs | 56.3380% | 4,377 |
| Earnings coverage of net charge-offs (x) | 6.8873% | 2,152 |
| Efficiency ratio | 78.6183% | 2,790 |
| Assets per employee ($millions) | 3.1185% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,986 |
| Loan loss allowance to noncurrent loans | 265.6846% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 6,334 |
| Noncurrent loans to loans | 0.4159% | 6,463 |
| Net loans and leases to total assets | 62.8574% | 4,569 |
| Net loans and leases to deposits | 77.0121% | 4,220 |
| Net loans and leases to core deposits | 84.5278% | 4,130 |
| Total domestic deposits to total assets | 81.6202% | 5,225 |
| Equity capital to assets | 9.3209% | 4,801 |
| Core capital (leverage) ratio | 8.6889% | 5,040 |
| Tier 1 risk-based capital ratio | 11.8422% | 5,358 |
| Total risk-based capital ratio | 12.8384% | 5,561 |
| Memoranda: | ||
| Average total assets | $212,367,000 | 3,076 |
| Average earning assets | $187,579,000 | 3,152 |
| Average equity | $20,122,000 | 3,190 |
| Average total loans | $136,029,500 | 3,145 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 4,758 |
| Cost of funding earning assets | 1.5812% | 5,119 |
| Net interest margin | 3.8053% | 3,685 |
| Noninterest income to average assets | 0.7091% | 2,904 |
| Noninterest expense to average assets | 3.6055% | 2,125 |
| Loan and lease loss provision to assets | 0.6589% | 3,176 |
| Net operating income to assets | -0.1591% | 5,777 |
| Return on assets (ROA) | -0.1586% | 5,776 |
| Pretax return on assets | -0.1586% | 5,657 |
| Return on Equity (ROE) | -1.5906% | 5,792 |
| Retained earnings to average equity (ytd only) | -2.8372% | 5,669 |
| Net charge-offs to loans | 0.7554% | 2,933 |
| Credit loss provision to net charge-offs | 143.3983% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.0877% | 5,022 |
| Efficiency ratio | 87.8270% | 1,896 |
| Assets per employee ($millions) | 2.9919% | 6,247 |
| Cash dividends to net income (ytd only)* | -78.3699% | 7,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,514 |
| Loan loss allowance to noncurrent loans | 173.5849% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 5,915 |
| Noncurrent loans to loans | 0.6759% | 5,884 |
| Net loans and leases to total assets | 63.8190% | 4,634 |
| Net loans and leases to deposits | 78.7467% | 4,222 |
| Net loans and leases to core deposits | 107.2552% | 3,183 |
| Total domestic deposits to total assets | 81.0434% | 5,336 |
| Equity capital to assets | 9.6382% | 4,227 |
| Core capital (leverage) ratio | 8.6546% | 5,005 |
| Tier 1 risk-based capital ratio | 11.9859% | 4,960 |
| Total risk-based capital ratio | 13.0425% | 5,079 |
| Memoranda: | ||
| Average total assets | $201,107,600 | 3,171 |
| Average earning assets | $179,485,000 | 3,219 |
| Average equity | $20,054,800 | 3,187 |
| Average total loans | $122,322,000 | 3,431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3806% | 5,038 |
| Cost of funding earning assets | 1.6358% | 5,230 |
| Net interest margin | 3.7448% | 3,890 |
| Noninterest income to average assets | 0.7074% | 2,967 |
| Noninterest expense to average assets | 3.5893% | 2,045 |
| Loan and lease loss provision to assets | 0.7341% | 2,545 |
| Net operating income to assets | -0.2623% | 6,153 |
| Return on assets (ROA) | -0.2616% | 6,164 |
| Pretax return on assets | -0.2616% | 6,056 |
| Return on Equity (ROE) | -2.6010% | 6,179 |
| Retained earnings to average equity (ytd only) | -4.2598% | 6,146 |
| Net charge-offs to loans | 0.6657% | 2,698 |
| Credit loss provision to net charge-offs | 184.2546% | 2,473 |
| Earnings coverage of net charge-offs (x) | 1.1843% | 4,881 |
| Efficiency ratio | 88.3813% | 1,829 |
| Assets per employee ($millions) | 3.0727% | 5,980 |
| Cash dividends to net income (ytd only)* | -63.7769% | 7,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,343 |
| Loan loss allowance to noncurrent loans | 658.4980% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 6,730 |
| Noncurrent loans to loans | 0.2015% | 6,997 |
| Net loans and leases to total assets | 60.1949% | 5,552 |
| Net loans and leases to deposits | 74.6442% | 5,276 |
| Net loans and leases to core deposits | 101.5671% | 4,206 |
| Total domestic deposits to total assets | 80.6425% | 5,209 |
| Equity capital to assets | 9.6368% | 4,575 |
| Core capital (leverage) ratio | 8.7776% | 5,008 |
| Tier 1 risk-based capital ratio | 12.4521% | 4,584 |
| Total risk-based capital ratio | 13.6286% | 4,595 |
| Memoranda: | ||
| Average total assets | $199,774,500 | 3,205 |
| Average earning assets | $178,910,000 | 3,253 |
| Average equity | $20,094,250 | 3,216 |
| Average total loans | $119,574,500 | 3,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 5,160 |
| Cost of funding earning assets | 1.7055% | 5,240 |
| Net interest margin | 3.6934% | 3,976 |
| Noninterest income to average assets | 0.7262% | 2,835 |
| Noninterest expense to average assets | 3.5430% | 2,214 |
| Loan and lease loss provision to assets | 0.6068% | 2,623 |
| Net operating income to assets | -0.1163% | 6,040 |
| Return on assets (ROA) | -0.1163% | 6,074 |
| Pretax return on assets | -0.1163% | 6,013 |
| Return on Equity (ROE) | -1.1398% | 6,089 |
| Retained earnings to average equity (ytd only) | -3.6176% | 6,071 |
| Net charge-offs to loans | 0.9560% | 1,820 |
| Credit loss provision to net charge-offs | 106.7616% | 4,318 |
| Earnings coverage of net charge-offs (x) | 0.8630% | 4,887 |
| Efficiency ratio | 87.8385% | 2,034 |
| Assets per employee ($millions) | 3.0517% | 5,996 |
| Cash dividends to net income (ytd only)* | -217.3913% | 8,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,316 |
| Loan loss allowance to noncurrent loans | 177.6627% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,262 |
| Noncurrent loans to loans | 0.5581% | 6,152 |
| Net loans and leases to total assets | 59.5464% | 5,751 |
| Net loans and leases to deposits | 74.0414% | 5,444 |
| Net loans and leases to core deposits | 106.0247% | 3,841 |
| Total domestic deposits to total assets | 80.4231% | 5,307 |
| Equity capital to assets | 9.9573% | 4,006 |
| Core capital (leverage) ratio | 8.9560% | 4,706 |
| Tier 1 risk-based capital ratio | 13.0752% | 4,089 |
| Total risk-based capital ratio | 13.9537% | 4,269 |
| Memoranda: | ||
| Average total assets | $197,743,330 | 3,250 |
| Average earning assets | $177,070,330 | 3,299 |
| Average equity | $20,179,330 | 3,218 |
| Average total loans | $117,570,000 | 3,591 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 5,494 |
| Cost of funding earning assets | 1.7526% | 5,344 |
| Net interest margin | 3.6335% | 4,174 |
| Noninterest income to average assets | 0.6758% | 3,029 |
| Noninterest expense to average assets | 3.5241% | 2,040 |
| Loan and lease loss provision to assets | 1.0209% | 1,286 |
| Net operating income to assets | -0.6309% | 6,991 |
| Return on assets (ROA) | -0.6309% | 7,031 |
| Pretax return on assets | -0.6309% | 6,925 |
| Return on Equity (ROE) | -6.1063% | 7,073 |
| Retained earnings to average equity (ytd only) | -11.0466% | 7,208 |
| Net charge-offs to loans | 1.8206% | 795 |
| Credit loss provision to net charge-offs | 94.8767% | 3,895 |
| Earnings coverage of net charge-offs (x) | 0.3624% | 4,686 |
| Efficiency ratio | 90.0365% | 1,714 |
| Assets per employee ($millions) | 3.1967% | 5,602 |
| Cash dividends to net income (ytd only)* | -80.9061% | 8,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,489 |
| Loan loss allowance to noncurrent loans | 37,866.6667% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,633 |
| Noncurrent loans to loans | 0.0025% | 7,580 |
| Net loans and leases to total assets | 58.8105% | 5,832 |
| Net loans and leases to deposits | 72.9924% | 5,615 |
| Net loans and leases to core deposits | 101.8313% | 4,364 |
| Total domestic deposits to total assets | 80.5706% | 5,146 |
| Equity capital to assets | 9.9160% | 4,093 |
| Core capital (leverage) ratio | 9.1546% | 4,474 |
| Tier 1 risk-based capital ratio | 12.9903% | 4,183 |
| Total risk-based capital ratio | 13.8266% | 4,415 |
| Memoranda: | ||
| Average total assets | $195,909,500 | 3,289 |
| Average earning assets | $174,596,500 | 3,354 |
| Average equity | $20,241,500 | 3,229 |
| Average total loans | $115,788,000 | 3,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6575% | 6,913 |
| Cost of funding earning assets | 1.9926% | 6,434 |
| Net interest margin | 3.6649% | 4,621 |
| Noninterest income to average assets | 0.6780% | 3,267 |
| Noninterest expense to average assets | 3.3373% | 2,846 |
| Loan and lease loss provision to assets | 0.5424% | 2,654 |
| Net operating income to assets | 0.1431% | 5,997 |
| Return on assets (ROA) | 0.1498% | 5,809 |
| Pretax return on assets | 0.1498% | 5,842 |
| Return on Equity (ROE) | 1.0567% | 5,899 |
| Retained earnings to average equity (ytd only) | -3.7246% | 6,266 |
| Net charge-offs to loans | 0.4225% | 2,705 |
| Credit loss provision to net charge-offs | 294.1176% | 1,540 |
| Earnings coverage of net charge-offs (x) | 3.7169% | 4,246 |
| Efficiency ratio | 82.9597% | 2,186 |
| Assets per employee ($millions) | 3.1738% | 5,553 |
| Cash dividends to net income (ytd only)* | 452.4887% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 5,723 |
| Loan loss allowance to noncurrent loans | 1,057.2727% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 7,314 |
| Noncurrent loans to loans | 0.0982% | 7,119 |
| Net loans and leases to total assets | 58.2047% | 6,174 |
| Net loans and leases to deposits | 74.3271% | 5,808 |
| Net loans and leases to core deposits | 104.0635% | 4,389 |
| Total domestic deposits to total assets | 78.3089% | 5,609 |
| Equity capital to assets | 10.7721% | 3,233 |
| Core capital (leverage) ratio | 13.5915% | 1,360 |
| Tier 1 risk-based capital ratio | 15.4621% | 2,857 |
| Total risk-based capital ratio | 16.3498% | 2,920 |
| Memoranda: | ||
| Average total assets | $147,484,000 | 3,945 |
| Average earning assets | $134,600,400 | 3,961 |
| Average equity | $20,914,800 | 3,101 |
| Average total loans | $64,382,200 | 5,083 |