Home > Belgrade State Bank > Performance and Condition Ratios
Belgrade 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 | 5.9348% | 690 |
| Cost of funding earning assets | 1.8287% | 1,203 |
| Net interest margin | 4.1061% | 1,066 |
| Noninterest income to average assets | 1.2500% | 475 |
| Noninterest expense to average assets | 2.9586% | 1,178 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.4501% | 1,122 |
| Return on assets (ROA) | 1.4501% | 1,087 |
| Pretax return on assets | 1.8488% | 829 |
| Return on Equity (ROE) | 20.1900% | 598 |
| Retained earnings to average equity (ytd only) | 15.6603% | 286 |
| Net charge-offs to loans | 0.2740% | 390 |
| Credit loss provision to net charge-offs | 103.2413% | 1,808 |
| Earnings coverage of net charge-offs (x) | 10.2485% | 2,249 |
| Efficiency ratio | 58.9981% | 3,187 |
| Assets per employee ($millions) | 5.0027% | 3,632 |
| Cash dividends to net income (ytd only)* | 22.4215% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,511 |
| Loan loss allowance to noncurrent loans | 1,678.4753% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,800 |
| Noncurrent loans to loans | 0.0690% | 3,219 |
| Net loans and leases to total assets | 74.2700% | 1,319 |
| Net loans and leases to deposits | 81.1847% | 2,016 |
| Net loans and leases to core deposits | 94.7662% | 1,722 |
| Total domestic deposits to total assets | 91.4900% | 394 |
| Equity capital to assets | 7.6514% | 3,630 |
| Core capital (leverage) ratio | 9.2903% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8519% | 1,579 |
| Memoranda: | ||
| Average total assets | $415,199,200 | 1,969 |
| Average earning assets | $380,266,400 | 1,976 |
| Average equity | $29,827,000 | 2,265 |
| Average total loans | $304,000,800 | 1,776 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 779 |
| Cost of funding earning assets | 1.6734% | 1,228 |
| Net interest margin | 4.0333% | 1,172 |
| Noninterest income to average assets | 1.4000% | 424 |
| Noninterest expense to average assets | 2.9609% | 1,125 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5736% | 977 |
| Return on assets (ROA) | 1.5736% | 967 |
| Pretax return on assets | 2.0429% | 718 |
| Return on Equity (ROE) | 22.2800% | 539 |
| Retained earnings to average equity (ytd only) | 19.3015% | 285 |
| Net charge-offs to loans | 0.3186% | 277 |
| Credit loss provision to net charge-offs | 37.7622% | 1,942 |
| Earnings coverage of net charge-offs (x) | 9.1958% | 2,172 |
| Efficiency ratio | 58.1530% | 3,187 |
| Assets per employee ($millions) | 5.1093% | 3,511 |
| Cash dividends to net income (ytd only)* | 13.3855% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,066 |
| Loan loss allowance to noncurrent loans | 387.5592% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 2,285 |
| Noncurrent loans to loans | 0.2735% | 2,261 |
| Net loans and leases to total assets | 71.1400% | 1,676 |
| Net loans and leases to deposits | 77.3342% | 2,300 |
| Net loans and leases to core deposits | 91.1403% | 1,850 |
| Total domestic deposits to total assets | 91.9800% | 452 |
| Equity capital to assets | 7.1031% | 3,565 |
| Core capital (leverage) ratio | 9.2717% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0989% | 1,532 |
| Memoranda: | ||
| Average total assets | $411,440,750 | 1,982 |
| Average earning assets | $376,626,250 | 1,985 |
| Average equity | $29,054,000 | 2,294 |
| Average total loans | $299,178,250 | 1,796 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 929 |
| Cost of funding earning assets | 1.5165% | 1,214 |
| Net interest margin | 3.9079% | 1,414 |
| Noninterest income to average assets | 1.6900% | 290 |
| Noninterest expense to average assets | 3.0025% | 1,042 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6694% | 833 |
| Return on assets (ROA) | 1.6694% | 837 |
| Pretax return on assets | 2.1784% | 551 |
| Return on Equity (ROE) | 23.6900% | 451 |
| Retained earnings to average equity (ytd only) | 19.1413% | 281 |
| Net charge-offs to loans | -0.0122% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.9771% | 3,307 |
| Assets per employee ($millions) | 4.9773% | 3,615 |
| Cash dividends to net income (ytd only)* | 19.2024% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 1,910 |
| Loan loss allowance to noncurrent loans | 447.3143% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,148 |
| Noncurrent loans to loans | 0.2919% | 2,090 |
| Net loans and leases to total assets | 70.7600% | 1,661 |
| Net loans and leases to deposits | 78.0144% | 2,130 |
| Net loans and leases to core deposits | 89.2446% | 1,849 |
| Total domestic deposits to total assets | 90.7000% | 728 |
| Equity capital to assets | 7.1183% | 3,729 |
| Core capital (leverage) ratio | 9.2480% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0269% | 1,570 |
| Memoranda: | ||
| Average total assets | $405,528,000 | 1,995 |
| Average earning assets | $371,654,333 | 2,006 |
| Average equity | $28,577,000 | 2,331 |
| Average total loans | $296,047,667 | 1,797 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 966 |
| Cost of funding earning assets | 1.4061% | 1,009 |
| Net interest margin | 3.7846% | 1,724 |
| Noninterest income to average assets | 1.9700% | 234 |
| Noninterest expense to average assets | 3.1610% | 844 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.6852% | 846 |
| Return on assets (ROA) | 1.6852% | 842 |
| Pretax return on assets | 2.1831% | 587 |
| Return on Equity (ROE) | 24.0400% | 455 |
| Retained earnings to average equity (ytd only) | 24.0415% | 209 |
| Net charge-offs to loans | -0.0204% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1674% | 3,177 |
| Assets per employee ($millions) | 4.8414% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,078 |
| Loan loss allowance to noncurrent loans | 144.7348% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 770 |
| Noncurrent loans to loans | 0.8916% | 846 |
| Net loans and leases to total assets | 71.8700% | 1,437 |
| Net loans and leases to deposits | 79.2435% | 1,875 |
| Net loans and leases to core deposits | 89.7236% | 1,630 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 7.1917% | 3,735 |
| Core capital (leverage) ratio | 9.1747% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6967% | 1,724 |
| Memoranda: | ||
| Average total assets | $399,245,000 | 2,044 |
| Average earning assets | $365,265,000 | 2,053 |
| Average equity | $27,985,000 | 2,386 |
| Average total loans | $294,187,500 | 1,816 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 710 |
| Cost of funding earning assets | 0.4655% | 1,613 |
| Net interest margin | 4.0406% | 734 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.1258% | 806 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.1171% | 2,089 |
| Return on assets (ROA) | 1.0959% | 2,133 |
| Pretax return on assets | 1.3743% | 1,847 |
| Return on Equity (ROE) | 14.7200% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.3584% | 815 |
| Net charge-offs to loans | 0.1471% | 557 |
| Credit loss provision to net charge-offs | 88.6700% | 1,643 |
| Earnings coverage of net charge-offs (x) | 13.6379% | 2,061 |
| Efficiency ratio | 67.5990% | 2,009 |
| Assets per employee ($millions) | 4.6095% | 3,963 |
| Cash dividends to net income (ytd only)* | 22.8395% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,032 |
| Loan loss allowance to noncurrent loans | 28,584.6154% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,827 |
| Noncurrent loans to loans | 0.0044% | 3,847 |
| Net loans and leases to total assets | 73.6500% | 1,253 |
| Net loans and leases to deposits | 80.8186% | 1,707 |
| Net loans and leases to core deposits | 91.7615% | 1,405 |
| Total domestic deposits to total assets | 91.1300% | 906 |
| Equity capital to assets | 6.8204% | 3,758 |
| Core capital (leverage) ratio | 9.2051% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3406% | 1,834 |
| Memoranda: | ||
| Average total assets | $369,573,400 | 2,143 |
| Average earning assets | $334,903,400 | 2,178 |
| Average equity | $27,512,600 | 2,452 |
| Average total loans | $275,994,000 | 1,836 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 613 |
| Cost of funding earning assets | 0.3204% | 1,957 |
| Net interest margin | 4.0525% | 576 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 3.1240% | 755 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1008% | 2,089 |
| Return on assets (ROA) | 1.0725% | 2,157 |
| Pretax return on assets | 1.3677% | 1,822 |
| Return on Equity (ROE) | 14.0900% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.2015% | 1,000 |
| Net charge-offs to loans | 0.1623% | 402 |
| Credit loss provision to net charge-offs | 81.5710% | 1,418 |
| Earnings coverage of net charge-offs (x) | 12.3927% | 1,919 |
| Efficiency ratio | 67.5243% | 2,080 |
| Assets per employee ($millions) | 4.4769% | 4,075 |
| Cash dividends to net income (ytd only)* | 20.4918% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,142 |
| Loan loss allowance to noncurrent loans | 20,561.1111% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,895 |
| Noncurrent loans to loans | 0.0062% | 3,909 |
| Net loans and leases to total assets | 77.0300% | 801 |
| Net loans and leases to deposits | 84.6093% | 1,261 |
| Net loans and leases to core deposits | 93.2917% | 1,130 |
| Total domestic deposits to total assets | 91.0400% | 1,224 |
| Equity capital to assets | 6.8418% | 3,592 |
| Core capital (leverage) ratio | 9.4175% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1970% | 1,976 |
| Memoranda: | ||
| Average total assets | $364,014,000 | 2,174 |
| Average earning assets | $329,537,250 | 2,206 |
| Average equity | $27,710,000 | 2,475 |
| Average total loans | $271,924,250 | 1,846 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 578 |
| Cost of funding earning assets | 0.2865% | 1,837 |
| Net interest margin | 3.9538% | 552 |
| Noninterest income to average assets | 0.9981% | 671 |
| Noninterest expense to average assets | 3.0800% | 753 |
| Loan and lease loss provision to assets | 0.0996% | 1,006 |
| Net operating income to assets | 1.1065% | 1,750 |
| Return on assets (ROA) | 1.1065% | 1,727 |
| Pretax return on assets | 1.4147% | 1,395 |
| Return on Equity (ROE) | 14.0487% | 1,105 |
| Retained earnings to average equity (ytd only) | 14.0487% | 358 |
| Net charge-offs to loans | -0.0083% | 3,522 |
| Credit loss provision to net charge-offs | -1,636.3636% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0400% | 2,379 |
| Assets per employee ($millions) | 4.0648% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,613 |
| Loan loss allowance to noncurrent loans | 828.7212% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 2,759 |
| Noncurrent loans to loans | 0.1732% | 2,826 |
| Net loans and leases to total assets | 75.0379% | 817 |
| Net loans and leases to deposits | 81.4546% | 1,282 |
| Net loans and leases to core deposits | 88.3847% | 1,202 |
| Total domestic deposits to total assets | 92.1223% | 790 |
| Equity capital to assets | 7.2417% | 3,636 |
| Core capital (leverage) ratio | 9.2399% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7600% | 1,782 |
| Memoranda: | ||
| Average total assets | $361,490,667 | 2,192 |
| Average earning assets | $328,801,333 | 2,236 |
| Average equity | $28,472,333 | 2,497 |
| Average total loans | $265,926,000 | 1,870 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 637 |
| Cost of funding earning assets | 0.2940% | 1,709 |
| Net interest margin | 3.8084% | 626 |
| Noninterest income to average assets | 1.0372% | 635 |
| Noninterest expense to average assets | 3.0707% | 721 |
| Loan and lease loss provision to assets | 0.0996% | 839 |
| Net operating income to assets | 1.0505% | 1,691 |
| Return on assets (ROA) | 1.0505% | 1,683 |
| Pretax return on assets | 1.3372% | 1,418 |
| Return on Equity (ROE) | 12.8202% | 1,082 |
| Retained earnings to average equity (ytd only) | 12.8202% | 485 |
| Net charge-offs to loans | 0.0214% | 1,112 |
| Credit loss provision to net charge-offs | 642.8571% | 447 |
| Earnings coverage of net charge-offs (x) | 92.7143% | 699 |
| Efficiency ratio | 68.1238% | 2,491 |
| Assets per employee ($millions) | 4.2482% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,689 |
| Loan loss allowance to noncurrent loans | 10,100.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,655 |
| Noncurrent loans to loans | 0.0144% | 3,904 |
| Net loans and leases to total assets | 71.8820% | 844 |
| Net loans and leases to deposits | 78.6106% | 1,240 |
| Net loans and leases to core deposits | 84.8868% | 1,192 |
| Total domestic deposits to total assets | 91.4406% | 836 |
| Equity capital to assets | 7.8560% | 3,678 |
| Core capital (leverage) ratio | 9.1424% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0328% | 1,783 |
| Memoranda: | ||
| Average total assets | $361,352,000 | 2,200 |
| Average earning assets | $329,269,000 | 2,242 |
| Average equity | $29,609,500 | 2,504 |
| Average total loans | $261,181,000 | 1,880 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 581 |
| Cost of funding earning assets | 0.3879% | 1,626 |
| Net interest margin | 4.1369% | 554 |
| Noninterest income to average assets | 0.9898% | 1,024 |
| Noninterest expense to average assets | 3.1172% | 824 |
| Loan and lease loss provision to assets | 0.1160% | 1,082 |
| Net operating income to assets | 1.1884% | 1,960 |
| Return on assets (ROA) | 1.2244% | 1,891 |
| Pretax return on assets | 1.5628% | 1,527 |
| Return on Equity (ROE) | 14.1427% | 1,141 |
| Retained earnings to average equity (ytd only) | 10.7930% | 742 |
| Net charge-offs to loans | -0.0838% | 4,527 |
| Credit loss provision to net charge-offs | -190.4762% | 3,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6187% | 2,316 |
| Assets per employee ($millions) | 4.1564% | 4,350 |
| Cash dividends to net income (ytd only)* | 23.6855% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,721 |
| Loan loss allowance to noncurrent loans | 7,837.5000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,211 |
| Noncurrent loans to loans | 0.0185% | 3,942 |
| Net loans and leases to total assets | 70.5733% | 975 |
| Net loans and leases to deposits | 77.6689% | 1,425 |
| Net loans and leases to core deposits | 83.7282% | 1,346 |
| Total domestic deposits to total assets | 90.8643% | 544 |
| Equity capital to assets | 8.5317% | 4,033 |
| Core capital (leverage) ratio | 9.1326% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0964% | 1,812 |
| Memoranda: | ||
| Average total assets | $344,833,600 | 2,226 |
| Average earning assets | $313,473,000 | 2,265 |
| Average equity | $29,852,800 | 2,544 |
| Average total loans | $250,489,600 | 1,922 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 510 |
| Cost of funding earning assets | 0.4156% | 1,577 |
| Net interest margin | 4.2548% | 497 |
| Noninterest income to average assets | 0.9386% | 1,175 |
| Noninterest expense to average assets | 3.0925% | 832 |
| Loan and lease loss provision to assets | 0.1212% | 971 |
| Net operating income to assets | 1.2443% | 2,010 |
| Return on assets (ROA) | 1.2928% | 1,906 |
| Pretax return on assets | 1.6486% | 1,555 |
| Return on Equity (ROE) | 14.8764% | 1,169 |
| Retained earnings to average equity (ytd only) | 14.8764% | 415 |
| Net charge-offs to loans | 0.0183% | 1,691 |
| Credit loss provision to net charge-offs | 911.7647% | 536 |
| Earnings coverage of net charge-offs (x) | 128.3824% | 746 |
| Efficiency ratio | 64.4138% | 2,333 |
| Assets per employee ($millions) | 3.9460% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 2,123 |
| Loan loss allowance to noncurrent loans | 583.9864% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 2,473 |
| Noncurrent loans to loans | 0.2356% | 2,993 |
| Net loans and leases to total assets | 72.4153% | 834 |
| Net loans and leases to deposits | 80.1246% | 1,284 |
| Net loans and leases to core deposits | 85.8679% | 1,301 |
| Total domestic deposits to total assets | 90.3783% | 607 |
| Equity capital to assets | 9.1467% | 3,701 |
| Core capital (leverage) ratio | 9.3058% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2355% | 1,558 |
| Memoranda: | ||
| Average total assets | $340,641,000 | 2,264 |
| Average earning assets | $309,227,500 | 2,305 |
| Average equity | $29,603,250 | 2,594 |
| Average total loans | $248,372,500 | 1,966 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 427 |
| Cost of funding earning assets | 0.4470% | 1,545 |
| Net interest margin | 4.4233% | 402 |
| Noninterest income to average assets | 0.9353% | 1,183 |
| Noninterest expense to average assets | 3.0352% | 925 |
| Loan and lease loss provision to assets | 0.1290% | 966 |
| Net operating income to assets | 1.3714% | 1,650 |
| Return on assets (ROA) | 1.4126% | 1,595 |
| Pretax return on assets | 1.8389% | 1,147 |
| Return on Equity (ROE) | 16.5429% | 854 |
| Retained earnings to average equity (ytd only) | 16.5429% | 304 |
| Net charge-offs to loans | 0.0355% | 1,290 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 875 |
| Efficiency ratio | 61.3052% | 2,832 |
| Assets per employee ($millions) | 3.9672% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,248 |
| Loan loss allowance to noncurrent loans | 883.0239% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 2,243 |
| Noncurrent loans to loans | 0.1516% | 3,442 |
| Net loans and leases to total assets | 71.8970% | 984 |
| Net loans and leases to deposits | 79.3442% | 1,481 |
| Net loans and leases to core deposits | 86.2111% | 1,400 |
| Total domestic deposits to total assets | 90.6141% | 512 |
| Equity capital to assets | 8.8880% | 3,903 |
| Core capital (leverage) ratio | 8.8863% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1279% | 1,592 |
| Memoranda: | ||
| Average total assets | $341,068,667 | 2,249 |
| Average earning assets | $309,632,000 | 2,287 |
| Average equity | $29,124,333 | 2,617 |
| Average total loans | $248,105,000 | 1,977 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 645 |
| Cost of funding earning assets | 0.5014% | 1,391 |
| Net interest margin | 4.1134% | 710 |
| Noninterest income to average assets | 0.9712% | 1,186 |
| Noninterest expense to average assets | 2.9911% | 1,012 |
| Loan and lease loss provision to assets | 0.1525% | 851 |
| Net operating income to assets | 1.2019% | 2,137 |
| Return on assets (ROA) | 1.2844% | 1,944 |
| Pretax return on assets | 1.6562% | 1,590 |
| Return on Equity (ROE) | 15.3552% | 1,144 |
| Retained earnings to average equity (ytd only) | 15.3552% | 590 |
| Net charge-offs to loans | 0.0710% | 844 |
| Credit loss provision to net charge-offs | 295.4545% | 767 |
| Earnings coverage of net charge-offs (x) | 33.0227% | 1,059 |
| Efficiency ratio | 63.7022% | 2,501 |
| Assets per employee ($millions) | 4.0549% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,440 |
| Loan loss allowance to noncurrent loans | 901.9499% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 2,516 |
| Noncurrent loans to loans | 0.1440% | 3,599 |
| Net loans and leases to total assets | 70.5528% | 1,214 |
| Net loans and leases to deposits | 77.2540% | 1,778 |
| Net loans and leases to core deposits | 85.3762% | 1,563 |
| Total domestic deposits to total assets | 91.3258% | 288 |
| Equity capital to assets | 8.2435% | 4,331 |
| Core capital (leverage) ratio | 8.8137% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6889% | 1,675 |
| Memoranda: | ||
| Average total assets | $341,012,500 | 2,234 |
| Average earning assets | $308,746,500 | 2,279 |
| Average equity | $28,524,500 | 2,638 |
| Average total loans | $247,843,500 | 1,977 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 352 |
| Cost of funding earning assets | 0.8585% | 992 |
| Net interest margin | 4.3134% | 496 |
| Noninterest income to average assets | 0.9487% | 1,155 |
| Noninterest expense to average assets | 3.4254% | 767 |
| Loan and lease loss provision to assets | 0.4458% | 634 |
| Net operating income to assets | 0.7618% | 3,234 |
| Return on assets (ROA) | 0.8789% | 2,927 |
| Pretax return on assets | 1.1225% | 2,612 |
| Return on Equity (ROE) | 9.7402% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.9237% | 1,074 |
| Net charge-offs to loans | 0.2282% | 763 |
| Credit loss provision to net charge-offs | 255.1595% | 1,915 |
| Earnings coverage of net charge-offs (x) | 8.1276% | 2,627 |
| Efficiency ratio | 70.6921% | 1,855 |
| Assets per employee ($millions) | 3.7875% | 4,517 |
| Cash dividends to net income (ytd only)* | 18.6498% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,517 |
| Loan loss allowance to noncurrent loans | 443.9437% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 2,269 |
| Noncurrent loans to loans | 0.2881% | 3,168 |
| Net loans and leases to total assets | 72.9858% | 1,158 |
| Net loans and leases to deposits | 80.1563% | 1,848 |
| Net loans and leases to core deposits | 89.2863% | 1,582 |
| Total domestic deposits to total assets | 91.0544% | 213 |
| Equity capital to assets | 8.4914% | 4,445 |
| Core capital (leverage) ratio | 8.7659% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3241% | 1,736 |
| Memoranda: | ||
| Average total assets | $305,042,600 | 2,274 |
| Average earning assets | $275,586,000 | 2,315 |
| Average equity | $27,525,000 | 2,636 |
| Average total loans | $233,575,200 | 2,009 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 294 |
| Cost of funding earning assets | 0.9312% | 958 |
| Net interest margin | 4.4439% | 433 |
| Noninterest income to average assets | 0.9826% | 1,051 |
| Noninterest expense to average assets | 3.4176% | 780 |
| Loan and lease loss provision to assets | 0.3893% | 932 |
| Net operating income to assets | 0.9203% | 2,625 |
| Return on assets (ROA) | 1.0645% | 2,226 |
| Pretax return on assets | 1.3835% | 1,786 |
| Return on Equity (ROE) | 11.6057% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.6057% | 484 |
| Net charge-offs to loans | 0.2929% | 539 |
| Credit loss provision to net charge-offs | 171.9368% | 2,221 |
| Earnings coverage of net charge-offs (x) | 7.0237% | 2,605 |
| Efficiency ratio | 68.2452% | 2,154 |
| Assets per employee ($millions) | 3.6580% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,171 |
| Loan loss allowance to noncurrent loans | 389.7101% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 2,298 |
| Noncurrent loans to loans | 0.2840% | 3,270 |
| Net loans and leases to total assets | 75.4954% | 1,162 |
| Net loans and leases to deposits | 83.3403% | 1,974 |
| Net loans and leases to core deposits | 92.3576% | 1,762 |
| Total domestic deposits to total assets | 90.5868% | 262 |
| Equity capital to assets | 8.9525% | 4,150 |
| Core capital (leverage) ratio | 8.9377% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0832% | 1,481 |
| Memoranda: | ||
| Average total assets | $297,977,500 | 2,289 |
| Average earning assets | $269,907,250 | 2,331 |
| Average equity | $27,330,750 | 2,636 |
| Average total loans | $230,365,000 | 2,032 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 608 |
| Cost of funding earning assets | 0.9992% | 989 |
| Net interest margin | 4.1668% | 986 |
| Noninterest income to average assets | 1.4388% | 506 |
| Noninterest expense to average assets | 3.5451% | 707 |
| Loan and lease loss provision to assets | 0.5357% | 636 |
| Net operating income to assets | 0.8744% | 2,793 |
| Return on assets (ROA) | 0.9292% | 2,714 |
| Pretax return on assets | 1.2018% | 2,359 |
| Return on Equity (ROE) | 10.0431% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.0431% | 782 |
| Net charge-offs to loans | 0.2980% | 533 |
| Credit loss provision to net charge-offs | 231.4540% | 1,802 |
| Earnings coverage of net charge-offs (x) | 7.2077% | 2,383 |
| Efficiency ratio | 68.0016% | 2,233 |
| Assets per employee ($millions) | 3.5397% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,802 |
| Loan loss allowance to noncurrent loans | 348.6146% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 2,215 |
| Noncurrent loans to loans | 0.3286% | 3,212 |
| Net loans and leases to total assets | 74.9673% | 1,283 |
| Net loans and leases to deposits | 82.6099% | 2,135 |
| Net loans and leases to core deposits | 91.3929% | 1,954 |
| Total domestic deposits to total assets | 90.7485% | 213 |
| Equity capital to assets | 8.7421% | 4,322 |
| Core capital (leverage) ratio | 9.0348% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6110% | 1,596 |
| Memoranda: | ||
| Average total assets | $291,221,333 | 2,304 |
| Average earning assets | $263,798,000 | 2,341 |
| Average equity | $26,944,000 | 2,652 |
| Average total loans | $226,170,000 | 2,041 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 379 |
| Cost of funding earning assets | 1.0934% | 1,067 |
| Net interest margin | 4.4054% | 619 |
| Noninterest income to average assets | 1.0276% | 807 |
| Noninterest expense to average assets | 3.8985% | 556 |
| Loan and lease loss provision to assets | 0.1297% | 2,097 |
| Net operating income to assets | 0.6824% | 3,330 |
| Return on assets (ROA) | 0.7393% | 3,213 |
| Pretax return on assets | 1.0550% | 2,652 |
| Return on Equity (ROE) | 7.7460% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.7460% | 1,307 |
| Net charge-offs to loans | 0.2911% | 501 |
| Credit loss provision to net charge-offs | 56.6038% | 2,033 |
| Earnings coverage of net charge-offs (x) | 4.8553% | 2,108 |
| Efficiency ratio | 77.7970% | 1,362 |
| Assets per employee ($millions) | 2.9491% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,537 |
| Loan loss allowance to noncurrent loans | 176.3878% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,504 |
| Noncurrent loans to loans | 0.5847% | 2,544 |
| Net loans and leases to total assets | 78.0991% | 968 |
| Net loans and leases to deposits | 86.9548% | 1,877 |
| Net loans and leases to core deposits | 96.3618% | 1,760 |
| Total domestic deposits to total assets | 89.8157% | 384 |
| Equity capital to assets | 9.6717% | 4,067 |
| Core capital (leverage) ratio | 9.6229% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5393% | 1,751 |
| Memoranda: | ||
| Average total assets | $277,544,500 | 2,338 |
| Average earning assets | $250,962,500 | 2,364 |
| Average equity | $26,491,000 | 2,674 |
| Average total loans | $218,457,500 | 2,058 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 470 |
| Cost of funding earning assets | 1.0495% | 1,515 |
| Net interest margin | 4.5565% | 637 |
| Noninterest income to average assets | 1.3657% | 518 |
| Noninterest expense to average assets | 3.6243% | 833 |
| Loan and lease loss provision to assets | 0.5251% | 240 |
| Net operating income to assets | 1.0219% | 2,763 |
| Return on assets (ROA) | 1.0484% | 2,759 |
| Pretax return on assets | 1.3562% | 2,309 |
| Return on Equity (ROE) | 11.3413% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.1589% | 927 |
| Net charge-offs to loans | 0.3999% | 487 |
| Credit loss provision to net charge-offs | 166.6278% | 1,561 |
| Earnings coverage of net charge-offs (x) | 5.8635% | 3,037 |
| Efficiency ratio | 66.2321% | 2,735 |
| Assets per employee ($millions) | 3.1577% | 4,734 |
| Cash dividends to net income (ytd only)* | 28.0603% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,141 |
| Loan loss allowance to noncurrent loans | 253.4351% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 1,821 |
| Noncurrent loans to loans | 0.4203% | 2,937 |
| Net loans and leases to total assets | 77.6729% | 1,130 |
| Net loans and leases to deposits | 86.2281% | 2,054 |
| Net loans and leases to core deposits | 96.3149% | 1,875 |
| Total domestic deposits to total assets | 90.0783% | 298 |
| Equity capital to assets | 9.4182% | 4,413 |
| Core capital (leverage) ratio | 9.4650% | 4,096 |
| Tier 1 risk-based capital ratio | 14.1482% | 3,187 |
| Total risk-based capital ratio | 15.3982% | 3,105 |
| Memoranda: | ||
| Average total assets | $271,944,000 | 2,321 |
| Average earning assets | $245,076,000 | 2,372 |
| Average equity | $25,138,200 | 2,709 |
| Average total loans | $214,324,800 | 2,063 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 500 |
| Cost of funding earning assets | 1.0281% | 1,642 |
| Net interest margin | 4.5635% | 667 |
| Noninterest income to average assets | 1.2068% | 633 |
| Noninterest expense to average assets | 3.6169% | 829 |
| Loan and lease loss provision to assets | 0.1814% | 1,004 |
| Net operating income to assets | 1.1502% | 2,363 |
| Return on assets (ROA) | 1.1856% | 2,325 |
| Pretax return on assets | 1.5672% | 1,754 |
| Return on Equity (ROE) | 12.8882% | 1,321 |
| Retained earnings to average equity (ytd only) | 11.2805% | 474 |
| Net charge-offs to loans | 0.2050% | 857 |
| Credit loss provision to net charge-offs | 112.1951% | 2,066 |
| Earnings coverage of net charge-offs (x) | 10.5366% | 2,494 |
| Efficiency ratio | 67.9792% | 2,425 |
| Assets per employee ($millions) | 3.0905% | 4,845 |
| Cash dividends to net income (ytd only)* | 12.4740% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 4,282 |
| Loan loss allowance to noncurrent loans | 245.0820% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 2,021 |
| Noncurrent loans to loans | 0.3416% | 3,311 |
| Net loans and leases to total assets | 77.2635% | 1,268 |
| Net loans and leases to deposits | 86.4720% | 2,136 |
| Net loans and leases to core deposits | 96.8597% | 1,923 |
| Total domestic deposits to total assets | 89.3509% | 499 |
| Equity capital to assets | 9.5297% | 4,427 |
| Core capital (leverage) ratio | 9.6499% | 4,027 |
| Tier 1 risk-based capital ratio | 14.2728% | 3,188 |
| Total risk-based capital ratio | 15.2514% | 3,246 |
| Memoranda: | ||
| Average total assets | $270,460,750 | 2,344 |
| Average earning assets | $243,813,250 | 2,396 |
| Average equity | $24,880,000 | 2,743 |
| Average total loans | $213,366,250 | 2,085 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 507 |
| Cost of funding earning assets | 0.9937% | 1,724 |
| Net interest margin | 4.5661% | 664 |
| Noninterest income to average assets | 1.2107% | 582 |
| Noninterest expense to average assets | 3.6114% | 841 |
| Loan and lease loss provision to assets | 0.2067% | 819 |
| Net operating income to assets | 1.1357% | 2,386 |
| Return on assets (ROA) | 1.1386% | 2,450 |
| Pretax return on assets | 1.5075% | 1,836 |
| Return on Equity (ROE) | 12.5307% | 1,396 |
| Retained earnings to average equity (ytd only) | 10.0753% | 733 |
| Net charge-offs to loans | 0.0094% | 2,798 |
| Credit loss provision to net charge-offs | 2,780.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 350 |
| Efficiency ratio | 67.8591% | 2,556 |
| Assets per employee ($millions) | 2.9084% | 4,960 |
| Cash dividends to net income (ytd only)* | 19.5950% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 3,897 |
| Loan loss allowance to noncurrent loans | 215.1064% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,795 |
| Noncurrent loans to loans | 0.4391% | 2,955 |
| Net loans and leases to total assets | 78.3958% | 1,149 |
| Net loans and leases to deposits | 86.7811% | 2,161 |
| Net loans and leases to core deposits | 97.4575% | 1,932 |
| Total domestic deposits to total assets | 90.3373% | 231 |
| Equity capital to assets | 9.3580% | 4,534 |
| Core capital (leverage) ratio | 9.4516% | 4,199 |
| Tier 1 risk-based capital ratio | 14.0168% | 3,314 |
| Total risk-based capital ratio | 15.1374% | 3,280 |
| Memoranda: | ||
| Average total assets | $268,929,000 | 2,363 |
| Average earning assets | $242,130,330 | 2,413 |
| Average equity | $24,436,000 | 2,773 |
| Average total loans | $213,051,000 | 2,094 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 508 |
| Cost of funding earning assets | 0.9634% | 1,729 |
| Net interest margin | 4.5577% | 667 |
| Noninterest income to average assets | 1.2262% | 543 |
| Noninterest expense to average assets | 3.4145% | 1,093 |
| Loan and lease loss provision to assets | 0.2536% | 568 |
| Net operating income to assets | 1.2500% | 1,892 |
| Return on assets (ROA) | 1.2500% | 1,935 |
| Pretax return on assets | 1.6513% | 1,341 |
| Return on Equity (ROE) | 13.9678% | 980 |
| Retained earnings to average equity (ytd only) | 8.9674% | 1,335 |
| Net charge-offs to loans | 0.0019% | 2,698 |
| Credit loss provision to net charge-offs | 17,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,277.0000% | 39 |
| Efficiency ratio | 64.1896% | 3,205 |
| Assets per employee ($millions) | 2.9624% | 4,993 |
| Cash dividends to net income (ytd only)* | 35.7995% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,155 |
| Loan loss allowance to noncurrent loans | 248.7710% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 1,908 |
| Noncurrent loans to loans | 0.3617% | 3,283 |
| Net loans and leases to total assets | 78.5623% | 1,065 |
| Net loans and leases to deposits | 87.5002% | 1,937 |
| Net loans and leases to core deposits | 97.6058% | 1,808 |
| Total domestic deposits to total assets | 89.7853% | 532 |
| Equity capital to assets | 9.0400% | 4,651 |
| Core capital (leverage) ratio | 9.3319% | 4,334 |
| Tier 1 risk-based capital ratio | 13.7209% | 3,486 |
| Total risk-based capital ratio | 14.7935% | 3,495 |
| Memoranda: | ||
| Average total assets | $268,151,500 | 2,386 |
| Average earning assets | $240,824,000 | 2,445 |
| Average equity | $23,998,000 | 2,805 |
| Average total loans | $212,541,500 | 2,115 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 515 |
| Cost of funding earning assets | 0.7323% | 1,884 |
| Net interest margin | 4.6325% | 563 |
| Noninterest income to average assets | 1.4201% | 453 |
| Noninterest expense to average assets | 3.7689% | 715 |
| Loan and lease loss provision to assets | 0.4776% | 258 |
| Net operating income to assets | 1.0418% | 2,839 |
| Return on assets (ROA) | 1.0454% | 2,810 |
| Pretax return on assets | 1.3311% | 2,398 |
| Return on Equity (ROE) | 11.5104% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.1441% | 2,694 |
| Net charge-offs to loans | 0.4366% | 420 |
| Credit loss provision to net charge-offs | 136.7550% | 1,959 |
| Earnings coverage of net charge-offs (x) | 5.1656% | 3,215 |
| Efficiency ratio | 67.6281% | 2,609 |
| Assets per employee ($millions) | 2.7784% | 5,105 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,434 |
| Loan loss allowance to noncurrent loans | 264.9547% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 1,771 |
| Noncurrent loans to loans | 0.3132% | 3,429 |
| Net loans and leases to total assets | 78.5901% | 1,168 |
| Net loans and leases to deposits | 88.0004% | 2,039 |
| Net loans and leases to core deposits | 97.5984% | 1,896 |
| Total domestic deposits to total assets | 89.3065% | 733 |
| Equity capital to assets | 8.8579% | 4,686 |
| Core capital (leverage) ratio | 9.2183% | 4,433 |
| Tier 1 risk-based capital ratio | 13.4069% | 3,601 |
| Total risk-based capital ratio | 14.3843% | 3,657 |
| Memoranda: | ||
| Average total assets | $259,415,800 | 2,406 |
| Average earning assets | $232,550,800 | 2,469 |
| Average equity | $23,561,200 | 2,770 |
| Average total loans | $207,530,800 | 2,116 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 511 |
| Cost of funding earning assets | 0.6935% | 1,877 |
| Net interest margin | 4.6188% | 573 |
| Noninterest income to average assets | 1.4348% | 458 |
| Noninterest expense to average assets | 3.7257% | 732 |
| Loan and lease loss provision to assets | 0.2686% | 567 |
| Net operating income to assets | 1.1949% | 2,263 |
| Return on assets (ROA) | 1.1998% | 2,243 |
| Pretax return on assets | 1.5834% | 1,625 |
| Return on Equity (ROE) | 13.1263% | 1,380 |
| Retained earnings to average equity (ytd only) | 13.1263% | 346 |
| Net charge-offs to loans | 0.3072% | 542 |
| Credit loss provision to net charge-offs | 109.0336% | 2,123 |
| Earnings coverage of net charge-offs (x) | 7.4916% | 2,804 |
| Efficiency ratio | 66.8711% | 2,737 |
| Assets per employee ($millions) | 2.7532% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 4,883 |
| Loan loss allowance to noncurrent loans | 82.0988% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,002 |
| Noncurrent loans to loans | 0.8480% | 2,008 |
| Net loans and leases to total assets | 80.6362% | 923 |
| Net loans and leases to deposits | 89.5576% | 1,954 |
| Net loans and leases to core deposits | 100.3959% | 1,752 |
| Total domestic deposits to total assets | 90.0383% | 501 |
| Equity capital to assets | 9.4791% | 4,097 |
| Core capital (leverage) ratio | 9.7135% | 3,931 |
| Tier 1 risk-based capital ratio | 14.2757% | 3,226 |
| Total risk-based capital ratio | 15.1056% | 3,347 |
| Memoranda: | ||
| Average total assets | $257,589,250 | 2,433 |
| Average earning assets | $230,704,250 | 2,497 |
| Average equity | $23,545,000 | 2,783 |
| Average total loans | $206,570,750 | 2,131 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 526 |
| Cost of funding earning assets | 0.6548% | 1,901 |
| Net interest margin | 4.5781% | 584 |
| Noninterest income to average assets | 1.3904% | 493 |
| Noninterest expense to average assets | 3.7024% | 751 |
| Loan and lease loss provision to assets | 0.2325% | 688 |
| Net operating income to assets | 1.1801% | 2,277 |
| Return on assets (ROA) | 1.1875% | 2,250 |
| Pretax return on assets | 1.5646% | 1,621 |
| Return on Equity (ROE) | 13.1547% | 1,318 |
| Retained earnings to average equity (ytd only) | 13.1547% | 359 |
| Net charge-offs to loans | 0.3447% | 466 |
| Credit loss provision to net charge-offs | 84.4633% | 2,215 |
| Earnings coverage of net charge-offs (x) | 6.4944% | 2,618 |
| Efficiency ratio | 67.4363% | 2,742 |
| Assets per employee ($millions) | 2.8615% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 5,017 |
| Loan loss allowance to noncurrent loans | 121.2067% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 1,290 |
| Noncurrent loans to loans | 0.5431% | 2,789 |
| Net loans and leases to total assets | 79.1641% | 1,140 |
| Net loans and leases to deposits | 87.5826% | 2,158 |
| Net loans and leases to core deposits | 99.0724% | 1,812 |
| Total domestic deposits to total assets | 90.3880% | 434 |
| Equity capital to assets | 9.1704% | 4,411 |
| Core capital (leverage) ratio | 9.3942% | 4,253 |
| Tier 1 risk-based capital ratio | 13.8130% | 3,458 |
| Total risk-based capital ratio | 14.5870% | 3,632 |
| Memoranda: | ||
| Average total assets | $257,185,000 | 2,450 |
| Average earning assets | $230,315,000 | 2,510 |
| Average equity | $23,216,000 | 2,820 |
| Average total loans | $205,377,330 | 2,148 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 527 |
| Cost of funding earning assets | 0.6316% | 1,830 |
| Net interest margin | 4.5332% | 578 |
| Noninterest income to average assets | 1.3616% | 506 |
| Noninterest expense to average assets | 3.6888% | 774 |
| Loan and lease loss provision to assets | 0.3052% | 424 |
| Net operating income to assets | 1.0721% | 2,555 |
| Return on assets (ROA) | 1.0721% | 2,568 |
| Pretax return on assets | 1.4226% | 1,922 |
| Return on Equity (ROE) | 11.9732% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.9732% | 685 |
| Net charge-offs to loans | 0.0548% | 1,561 |
| Credit loss provision to net charge-offs | 696.4286% | 478 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 1,074 |
| Efficiency ratio | 68.1017% | 2,811 |
| Assets per employee ($millions) | 2.9086% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,837 |
| Loan loss allowance to noncurrent loans | 105.5150% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 1,130 |
| Noncurrent loans to loans | 0.7401% | 2,352 |
| Net loans and leases to total assets | 77.9428% | 1,250 |
| Net loans and leases to deposits | 86.0941% | 2,156 |
| Net loans and leases to core deposits | 96.8771% | 1,912 |
| Total domestic deposits to total assets | 90.5321% | 463 |
| Equity capital to assets | 8.9310% | 4,630 |
| Core capital (leverage) ratio | 9.2160% | 4,413 |
| Tier 1 risk-based capital ratio | 13.6686% | 3,562 |
| Total risk-based capital ratio | 14.5909% | 3,664 |
| Memoranda: | ||
| Average total assets | $255,581,500 | 2,479 |
| Average earning assets | $228,624,000 | 2,542 |
| Average equity | $22,884,500 | 2,879 |
| Average total loans | $204,314,500 | 2,163 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 621 |
| Cost of funding earning assets | 0.5469% | 1,979 |
| Net interest margin | 4.4735% | 655 |
| Noninterest income to average assets | 1.3528% | 572 |
| Noninterest expense to average assets | 3.6325% | 861 |
| Loan and lease loss provision to assets | 0.3115% | 545 |
| Net operating income to assets | 0.9330% | 2,534 |
| Return on assets (ROA) | 0.9556% | 2,452 |
| Pretax return on assets | 1.5111% | 1,594 |
| Return on Equity (ROE) | 10.5958% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.2154% | 2,635 |
| Net charge-offs to loans | 0.3156% | 803 |
| Credit loss provision to net charge-offs | 121.7054% | 2,147 |
| Earnings coverage of net charge-offs (x) | 6.9829% | 3,108 |
| Efficiency ratio | 67.0230% | 3,074 |
| Assets per employee ($millions) | 2.8348% | 5,300 |
| Cash dividends to net income (ytd only)* | 60.2159% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 5,087 |
| Loan loss allowance to noncurrent loans | 114.8747% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 1,160 |
| Noncurrent loans to loans | 0.6026% | 2,726 |
| Net loans and leases to total assets | 80.7987% | 860 |
| Net loans and leases to deposits | 89.2016% | 1,867 |
| Net loans and leases to core deposits | 101.5265% | 1,587 |
| Total domestic deposits to total assets | 90.5799% | 368 |
| Equity capital to assets | 8.9774% | 4,745 |
| Core capital (leverage) ratio | 8.9676% | 4,689 |
| Tier 1 risk-based capital ratio | 13.0751% | 3,863 |
| Total risk-based capital ratio | 13.8894% | 4,013 |
| Memoranda: | ||
| Average total assets | $252,000,600 | 2,477 |
| Average earning assets | $229,102,600 | 2,503 |
| Average equity | $22,726,000 | 2,884 |
| Average total loans | $204,372,200 | 2,124 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 674 |
| Cost of funding earning assets | 0.5330% | 2,009 |
| Net interest margin | 4.4200% | 705 |
| Noninterest income to average assets | 1.4200% | 532 |
| Noninterest expense to average assets | 3.6015% | 870 |
| Loan and lease loss provision to assets | 0.2090% | 903 |
| Net operating income to assets | 1.0633% | 2,268 |
| Return on assets (ROA) | 1.0939% | 2,170 |
| Pretax return on assets | 1.6899% | 1,152 |
| Return on Equity (ROE) | 12.1166% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.1166% | 285 |
| Net charge-offs to loans | 0.2371% | 899 |
| Credit loss provision to net charge-offs | 108.8154% | 2,152 |
| Earnings coverage of net charge-offs (x) | 9.6391% | 2,671 |
| Efficiency ratio | 66.0423% | 3,201 |
| Assets per employee ($millions) | 2.8637% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6347% | 5,263 |
| Loan loss allowance to noncurrent loans | 79.8176% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 974 |
| Noncurrent loans to loans | 0.7952% | 2,370 |
| Net loans and leases to total assets | 80.6520% | 893 |
| Net loans and leases to deposits | 89.5505% | 1,865 |
| Net loans and leases to core deposits | 101.0754% | 1,616 |
| Total domestic deposits to total assets | 90.0631% | 453 |
| Equity capital to assets | 9.3534% | 4,591 |
| Core capital (leverage) ratio | 9.3258% | 4,378 |
| Tier 1 risk-based capital ratio | 13.6573% | 3,609 |
| Total risk-based capital ratio | 14.4068% | 3,811 |
| Memoranda: | ||
| Average total assets | $251,925,750 | 2,492 |
| Average earning assets | $229,887,750 | 2,520 |
| Average equity | $22,745,000 | 2,906 |
| Average total loans | $204,146,250 | 2,136 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 787 |
| Cost of funding earning assets | 0.5037% | 2,138 |
| Net interest margin | 4.3381% | 783 |
| Noninterest income to average assets | 1.4202% | 538 |
| Noninterest expense to average assets | 3.5570% | 925 |
| Loan and lease loss provision to assets | 0.2032% | 900 |
| Net operating income to assets | 1.0529% | 2,193 |
| Return on assets (ROA) | 1.0887% | 2,087 |
| Pretax return on assets | 1.6824% | 1,100 |
| Return on Equity (ROE) | 12.2071% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.2071% | 303 |
| Net charge-offs to loans | 0.4320% | 466 |
| Credit loss provision to net charge-offs | 58.0866% | 2,480 |
| Earnings coverage of net charge-offs (x) | 5.2323% | 2,845 |
| Efficiency ratio | 66.0207% | 3,348 |
| Assets per employee ($millions) | 2.9052% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5377% | 5,474 |
| Loan loss allowance to noncurrent loans | 55.1256% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 879 |
| Noncurrent loans to loans | 0.9755% | 2,011 |
| Net loans and leases to total assets | 79.3673% | 1,039 |
| Net loans and leases to deposits | 87.7338% | 2,021 |
| Net loans and leases to core deposits | 99.3075% | 1,699 |
| Total domestic deposits to total assets | 90.4638% | 370 |
| Equity capital to assets | 9.0606% | 4,840 |
| Core capital (leverage) ratio | 9.1970% | 4,494 |
| Tier 1 risk-based capital ratio | 13.0217% | 3,981 |
| Total risk-based capital ratio | 13.6368% | 4,249 |
| Memoranda: | ||
| Average total assets | $250,944,670 | 2,509 |
| Average earning assets | $229,499,670 | 2,532 |
| Average equity | $22,380,330 | 2,938 |
| Average total loans | $203,238,330 | 2,141 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 647 |
| Cost of funding earning assets | 0.4887% | 2,174 |
| Net interest margin | 4.4004% | 638 |
| Noninterest income to average assets | 1.3838% | 554 |
| Noninterest expense to average assets | 3.4917% | 1,056 |
| Loan and lease loss provision to assets | 0.1448% | 1,291 |
| Net operating income to assets | 1.1358% | 1,727 |
| Return on assets (ROA) | 1.1956% | 1,554 |
| Pretax return on assets | 1.8681% | 692 |
| Return on Equity (ROE) | 13.5162% | 899 |
| Retained earnings to average equity (ytd only) | 13.5162% | 333 |
| Net charge-offs to loans | -0.0118% | 4,497 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5257% | 3,748 |
| Assets per employee ($millions) | 2.8293% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 5,355 |
| Loan loss allowance to noncurrent loans | 36.3037% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 878 |
| Noncurrent loans to loans | 1.8596% | 994 |
| Net loans and leases to total assets | 80.4558% | 774 |
| Net loans and leases to deposits | 88.9021% | 1,675 |
| Net loans and leases to core deposits | 100.1404% | 1,499 |
| Total domestic deposits to total assets | 90.4994% | 477 |
| Equity capital to assets | 8.8982% | 4,911 |
| Core capital (leverage) ratio | 9.1417% | 4,553 |
| Tier 1 risk-based capital ratio | 12.7836% | 4,208 |
| Total risk-based capital ratio | 13.5624% | 4,408 |
| Memoranda: | ||
| Average total assets | $248,588,500 | 2,555 |
| Average earning assets | $227,526,500 | 2,574 |
| Average equity | $21,988,500 | 2,984 |
| Average total loans | $202,855,000 | 2,152 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,151 |
| Cost of funding earning assets | 0.4285% | 2,721 |
| Net interest margin | 4.2294% | 1,055 |
| Noninterest income to average assets | 1.4128% | 577 |
| Noninterest expense to average assets | 3.6837% | 904 |
| Loan and lease loss provision to assets | 0.3464% | 493 |
| Net operating income to assets | 0.9158% | 2,748 |
| Return on assets (ROA) | 0.9674% | 2,604 |
| Pretax return on assets | 1.4253% | 1,836 |
| Return on Equity (ROE) | 10.3612% | 1,823 |
| Retained earnings to average equity (ytd only) | 1.4214% | 4,700 |
| Net charge-offs to loans | 0.3806% | 709 |
| Credit loss provision to net charge-offs | 115.1179% | 2,284 |
| Earnings coverage of net charge-offs (x) | 5.6352% | 3,308 |
| Efficiency ratio | 68.4770% | 3,163 |
| Assets per employee ($millions) | 2.7895% | 5,496 |
| Cash dividends to net income (ytd only)* | 86.2813% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 5,555 |
| Loan loss allowance to noncurrent loans | 30.4381% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 828 |
| Noncurrent loans to loans | 1.9232% | 958 |
| Net loans and leases to total assets | 81.7039% | 643 |
| Net loans and leases to deposits | 91.7089% | 1,488 |
| Net loans and leases to core deposits | 102.6896% | 1,393 |
| Total domestic deposits to total assets | 89.0904% | 1,071 |
| Equity capital to assets | 8.7875% | 5,029 |
| Core capital (leverage) ratio | 8.9703% | 4,769 |
| Tier 1 risk-based capital ratio | 12.4380% | 4,412 |
| Total risk-based capital ratio | 13.1101% | 4,716 |
| Memoranda: | ||
| Average total assets | $239,599,000 | 2,582 |
| Average earning assets | $224,711,800 | 2,548 |
| Average equity | $22,372,000 | 2,955 |
| Average total loans | $189,455,600 | 2,213 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 1,222 |
| Cost of funding earning assets | 0.4380% | 2,659 |
| Net interest margin | 4.1998% | 1,117 |
| Noninterest income to average assets | 1.4182% | 591 |
| Noninterest expense to average assets | 3.6954% | 854 |
| Loan and lease loss provision to assets | 0.1904% | 1,142 |
| Net operating income to assets | 0.9927% | 2,468 |
| Return on assets (ROA) | 1.0616% | 2,269 |
| Pretax return on assets | 1.5688% | 1,469 |
| Return on Equity (ROE) | 11.1993% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.1993% | 402 |
| Net charge-offs to loans | 0.1860% | 1,255 |
| Credit loss provision to net charge-offs | 130.7692% | 1,968 |
| Earnings coverage of net charge-offs (x) | 11.3884% | 2,487 |
| Efficiency ratio | 69.0304% | 3,038 |
| Assets per employee ($millions) | 2.7148% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5934% | 5,617 |
| Loan loss allowance to noncurrent loans | 29.9766% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 915 |
| Noncurrent loans to loans | 1.9796% | 1,001 |
| Net loans and leases to total assets | 79.8686% | 910 |
| Net loans and leases to deposits | 89.1225% | 1,870 |
| Net loans and leases to core deposits | 100.3708% | 1,599 |
| Total domestic deposits to total assets | 89.6166% | 618 |
| Equity capital to assets | 9.7679% | 4,401 |
| Core capital (leverage) ratio | 9.6316% | 4,016 |
| Tier 1 risk-based capital ratio | 13.9192% | 3,598 |
| Total risk-based capital ratio | 14.6034% | 3,863 |
| Memoranda: | ||
| Average total assets | $238,130,500 | 2,605 |
| Average earning assets | $223,113,500 | 2,572 |
| Average equity | $22,572,250 | 2,958 |
| Average total loans | $186,384,000 | 2,252 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,331 |
| Cost of funding earning assets | 0.4221% | 2,816 |
| Net interest margin | 4.1487% | 1,237 |
| Noninterest income to average assets | 1.3436% | 632 |
| Noninterest expense to average assets | 3.6528% | 940 |
| Loan and lease loss provision to assets | 0.2110% | 1,013 |
| Net operating income to assets | 0.9103% | 2,813 |
| Return on assets (ROA) | 0.9849% | 2,595 |
| Pretax return on assets | 1.4736% | 1,759 |
| Return on Equity (ROE) | 10.4996% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.4996% | 505 |
| Net charge-offs to loans | 0.2981% | 803 |
| Credit loss provision to net charge-offs | 91.2409% | 2,223 |
| Earnings coverage of net charge-offs (x) | 6.8029% | 2,702 |
| Efficiency ratio | 69.8966% | 2,993 |
| Assets per employee ($millions) | 2.8595% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5516% | 5,748 |
| Loan loss allowance to noncurrent loans | 28.1493% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.7264% | 1,029 |
| Noncurrent loans to loans | 1.9595% | 1,020 |
| Net loans and leases to total assets | 77.7408% | 1,239 |
| Net loans and leases to deposits | 86.5078% | 2,185 |
| Net loans and leases to core deposits | 98.1645% | 1,794 |
| Total domestic deposits to total assets | 89.8657% | 537 |
| Equity capital to assets | 9.4403% | 4,827 |
| Core capital (leverage) ratio | 9.5291% | 4,167 |
| Tier 1 risk-based capital ratio | 13.4791% | 3,924 |
| Total risk-based capital ratio | 14.1012% | 4,198 |
| Memoranda: | ||
| Average total assets | $236,968,330 | 2,625 |
| Average earning assets | $221,755,330 | 2,596 |
| Average equity | $22,229,330 | 3,001 |
| Average total loans | $183,802,670 | 2,277 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,460 |
| Cost of funding earning assets | 0.4121% | 2,931 |
| Net interest margin | 4.1061% | 1,324 |
| Noninterest income to average assets | 1.1953% | 767 |
| Noninterest expense to average assets | 3.7191% | 874 |
| Loan and lease loss provision to assets | 0.1539% | 1,370 |
| Net operating income to assets | 0.7896% | 3,301 |
| Return on assets (ROA) | 0.8618% | 3,048 |
| Pretax return on assets | 1.2808% | 2,381 |
| Return on Equity (ROE) | 9.2175% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.2175% | 1,048 |
| Net charge-offs to loans | 0.4914% | 453 |
| Credit loss provision to net charge-offs | 40.5405% | 2,141 |
| Earnings coverage of net charge-offs (x) | 3.4955% | 2,538 |
| Efficiency ratio | 73.7038% | 2,526 |
| Assets per employee ($millions) | 2.5628% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5152% | 5,852 |
| Loan loss allowance to noncurrent loans | 24.7303% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8297% | 1,005 |
| Noncurrent loans to loans | 2.0834% | 1,014 |
| Net loans and leases to total assets | 76.9778% | 1,252 |
| Net loans and leases to deposits | 85.5248% | 2,117 |
| Net loans and leases to core deposits | 95.6123% | 1,836 |
| Total domestic deposits to total assets | 90.0064% | 594 |
| Equity capital to assets | 9.3939% | 4,772 |
| Core capital (leverage) ratio | 9.4736% | 4,243 |
| Tier 1 risk-based capital ratio | 13.3350% | 4,076 |
| Total risk-based capital ratio | 13.9036% | 4,393 |
| Memoranda: | ||
| Average total assets | $233,925,000 | 2,660 |
| Average earning assets | $219,378,500 | 2,630 |
| Average equity | $21,871,500 | 3,034 |
| Average total loans | $180,703,500 | 2,300 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,325 |
| Cost of funding earning assets | 0.4368% | 2,767 |
| Net interest margin | 4.1659% | 1,246 |
| Noninterest income to average assets | 1.4626% | 572 |
| Noninterest expense to average assets | 3.9054% | 754 |
| Loan and lease loss provision to assets | 0.2038% | 1,048 |
| Net operating income to assets | 0.8514% | 3,109 |
| Return on assets (ROA) | 0.8542% | 3,159 |
| Pretax return on assets | 1.2409% | 2,501 |
| Return on Equity (ROE) | 8.8825% | 2,513 |
| Retained earnings to average equity (ytd only) | -2.2331% | 5,764 |
| Net charge-offs to loans | 1.1857% | 150 |
| Credit loss provision to net charge-offs | 22.5060% | 3,728 |
| Earnings coverage of net charge-offs (x) | 1.5908% | 4,063 |
| Efficiency ratio | 73.0509% | 2,737 |
| Assets per employee ($millions) | 2.7302% | 5,752 |
| Cash dividends to net income (ytd only)* | 125.1405% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 5,799 |
| Loan loss allowance to noncurrent loans | 26.0384% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.9886% | 891 |
| Noncurrent loans to loans | 2.3004% | 833 |
| Net loans and leases to total assets | 76.6565% | 1,312 |
| Net loans and leases to deposits | 84.9547% | 2,246 |
| Net loans and leases to core deposits | 95.2829% | 1,913 |
| Total domestic deposits to total assets | 90.2322% | 530 |
| Equity capital to assets | 9.3050% | 4,785 |
| Core capital (leverage) ratio | 9.2953% | 4,482 |
| Tier 1 risk-based capital ratio | 13.1662% | 4,196 |
| Total risk-based capital ratio | 13.8215% | 4,480 |
| Memoranda: | ||
| Average total assets | $229,116,000 | 2,674 |
| Average earning assets | $213,593,600 | 2,647 |
| Average equity | $22,032,000 | 2,970 |
| Average total loans | $174,998,600 | 2,296 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,337 |
| Cost of funding earning assets | 0.4459% | 2,728 |
| Net interest margin | 4.1503% | 1,280 |
| Noninterest income to average assets | 1.4712% | 568 |
| Noninterest expense to average assets | 3.9063% | 740 |
| Loan and lease loss provision to assets | 0.2201% | 861 |
| Net operating income to assets | 0.8349% | 3,253 |
| Return on assets (ROA) | 0.8349% | 3,336 |
| Pretax return on assets | 1.2085% | 2,789 |
| Return on Equity (ROE) | 8.6111% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.4019% | 3,343 |
| Net charge-offs to loans | 0.7731% | 269 |
| Credit loss provision to net charge-offs | 37.3637% | 3,197 |
| Earnings coverage of net charge-offs (x) | 2.4252% | 3,673 |
| Efficiency ratio | 73.2217% | 2,684 |
| Assets per employee ($millions) | 2.7239% | 5,820 |
| Cash dividends to net income (ytd only)* | 48.8813% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,802 |
| Loan loss allowance to noncurrent loans | 51.6389% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9877% | 1,034 |
| Noncurrent loans to loans | 2.2701% | 952 |
| Net loans and leases to total assets | 75.4586% | 1,468 |
| Net loans and leases to deposits | 84.2895% | 2,373 |
| Net loans and leases to core deposits | 94.9473% | 1,984 |
| Total domestic deposits to total assets | 89.5231% | 763 |
| Equity capital to assets | 9.9424% | 4,234 |
| Core capital (leverage) ratio | 9.6671% | 4,085 |
| Tier 1 risk-based capital ratio | 14.0869% | 3,805 |
| Total risk-based capital ratio | 15.3369% | 3,743 |
| Memoranda: | ||
| Average total assets | $228,377,750 | 2,696 |
| Average earning assets | $212,603,500 | 2,671 |
| Average equity | $22,141,500 | 2,971 |
| Average total loans | $174,006,250 | 2,323 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 1,336 |
| Cost of funding earning assets | 0.4546% | 2,670 |
| Net interest margin | 4.1199% | 1,305 |
| Noninterest income to average assets | 1.3968% | 646 |
| Noninterest expense to average assets | 3.8846% | 783 |
| Loan and lease loss provision to assets | 0.2208% | 858 |
| Net operating income to assets | 0.7641% | 3,570 |
| Return on assets (ROA) | 0.7641% | 3,672 |
| Pretax return on assets | 1.1269% | 3,068 |
| Return on Equity (ROE) | 7.9493% | 3,085 |
| Retained earnings to average equity (ytd only) | 1.5771% | 4,912 |
| Net charge-offs to loans | 0.5570% | 436 |
| Credit loss provision to net charge-offs | 52.0661% | 2,682 |
| Earnings coverage of net charge-offs (x) | 3.1777% | 3,229 |
| Efficiency ratio | 74.2422% | 2,650 |
| Assets per employee ($millions) | 2.8319% | 5,787 |
| Cash dividends to net income (ytd only)* | 80.1606% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,824 |
| Loan loss allowance to noncurrent loans | 61.8182% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.9926% | 1,110 |
| Noncurrent loans to loans | 2.2427% | 1,064 |
| Net loans and leases to total assets | 74.9841% | 1,505 |
| Net loans and leases to deposits | 83.2996% | 2,397 |
| Net loans and leases to core deposits | 93.7526% | 1,983 |
| Total domestic deposits to total assets | 90.0173% | 659 |
| Equity capital to assets | 9.4504% | 4,713 |
| Core capital (leverage) ratio | 9.5128% | 4,265 |
| Tier 1 risk-based capital ratio | 13.8334% | 4,017 |
| Total risk-based capital ratio | 15.0867% | 3,945 |
| Memoranda: | ||
| Average total assets | $228,234,000 | 2,714 |
| Average earning assets | $212,478,670 | 2,687 |
| Average equity | $21,939,000 | 3,003 |
| Average total loans | $173,773,670 | 2,328 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 1,270 |
| Cost of funding earning assets | 0.4673% | 2,586 |
| Net interest margin | 4.1124% | 1,247 |
| Noninterest income to average assets | 1.3331% | 647 |
| Noninterest expense to average assets | 3.8525% | 828 |
| Loan and lease loss provision to assets | 0.2369% | 723 |
| Net operating income to assets | 0.7231% | 3,677 |
| Return on assets (ROA) | 0.7231% | 3,813 |
| Pretax return on assets | 1.0714% | 3,209 |
| Return on Equity (ROE) | 7.4581% | 3,240 |
| Retained earnings to average equity (ytd only) | -5.2881% | 5,951 |
| Net charge-offs to loans | 0.7054% | 336 |
| Credit loss provision to net charge-offs | 44.0789% | 2,153 |
| Earnings coverage of net charge-offs (x) | 2.4342% | 2,756 |
| Efficiency ratio | 74.6489% | 2,711 |
| Assets per employee ($millions) | 2.4997% | 6,110 |
| Cash dividends to net income (ytd only)* | 170.9046% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 2,724 |
| Loan loss allowance to noncurrent loans | 64.0306% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9576% | 1,224 |
| Noncurrent loans to loans | 2.2533% | 1,109 |
| Net loans and leases to total assets | 75.3733% | 1,296 |
| Net loans and leases to deposits | 83.9073% | 2,091 |
| Net loans and leases to core deposits | 94.9642% | 1,696 |
| Total domestic deposits to total assets | 89.8293% | 824 |
| Equity capital to assets | 9.6049% | 4,630 |
| Core capital (leverage) ratio | 9.4537% | 4,346 |
| Tier 1 risk-based capital ratio | 13.6248% | 4,264 |
| Total risk-based capital ratio | 14.8787% | 4,171 |
| Memoranda: | ||
| Average total assets | $226,245,000 | 2,756 |
| Average earning assets | $210,582,500 | 2,723 |
| Average equity | $21,936,000 | 3,030 |
| Average total loans | $172,375,500 | 2,344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,479 |
| Cost of funding earning assets | 0.4864% | 2,816 |
| Net interest margin | 4.1414% | 1,460 |
| Noninterest income to average assets | 1.5226% | 531 |
| Noninterest expense to average assets | 3.8701% | 889 |
| Loan and lease loss provision to assets | 0.3270% | 597 |
| Net operating income to assets | 0.8127% | 3,309 |
| Return on assets (ROA) | 0.8422% | 3,253 |
| Pretax return on assets | 1.2174% | 2,583 |
| Return on Equity (ROE) | 8.8174% | 2,676 |
| Retained earnings to average equity (ytd only) | 1.8949% | 4,857 |
| Net charge-offs to loans | 0.5226% | 781 |
| Credit loss provision to net charge-offs | 83.7995% | 2,787 |
| Earnings coverage of net charge-offs (x) | 3.8485% | 3,797 |
| Efficiency ratio | 72.0454% | 3,203 |
| Assets per employee ($millions) | 2.3938% | 6,225 |
| Cash dividends to net income (ytd only)* | 78.5097% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 2,193 |
| Loan loss allowance to noncurrent loans | 57.3017% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.4150% | 965 |
| Noncurrent loans to loans | 2.7385% | 884 |
| Net loans and leases to total assets | 74.7086% | 1,460 |
| Net loans and leases to deposits | 83.1980% | 2,311 |
| Net loans and leases to core deposits | 95.9399% | 1,729 |
| Total domestic deposits to total assets | 89.7961% | 830 |
| Equity capital to assets | 9.7874% | 4,370 |
| Core capital (leverage) ratio | 9.6768% | 4,008 |
| Tier 1 risk-based capital ratio | 14.1877% | 3,975 |
| Total risk-based capital ratio | 15.4434% | 3,904 |
| Memoranda: | ||
| Average total assets | $219,888,600 | 2,787 |
| Average earning assets | $204,373,400 | 2,760 |
| Average equity | $21,004,000 | 3,055 |
| Average total loans | $164,171,800 | 2,386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 1,472 |
| Cost of funding earning assets | 0.4851% | 2,907 |
| Net interest margin | 4.1510% | 1,429 |
| Noninterest income to average assets | 1.4827% | 575 |
| Noninterest expense to average assets | 3.8869% | 860 |
| Loan and lease loss provision to assets | 0.2867% | 701 |
| Net operating income to assets | 0.8197% | 3,343 |
| Return on assets (ROA) | 0.8197% | 3,434 |
| Pretax return on assets | 1.1661% | 2,924 |
| Return on Equity (ROE) | 8.6363% | 2,884 |
| Retained earnings to average equity (ytd only) | 0.2828% | 5,719 |
| Net charge-offs to loans | 0.6128% | 595 |
| Credit loss provision to net charge-offs | 62.9183% | 2,891 |
| Earnings coverage of net charge-offs (x) | 3.1887% | 3,708 |
| Efficiency ratio | 72.7927% | 3,042 |
| Assets per employee ($millions) | 2.6055% | 6,153 |
| Cash dividends to net income (ytd only)* | 96.7259% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 2,542 |
| Loan loss allowance to noncurrent loans | 54.4792% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.4193% | 1,108 |
| Noncurrent loans to loans | 2.8286% | 978 |
| Net loans and leases to total assets | 72.4857% | 1,768 |
| Net loans and leases to deposits | 80.6918% | 2,592 |
| Net loans and leases to core deposits | 92.8926% | 1,965 |
| Total domestic deposits to total assets | 89.8304% | 809 |
| Equity capital to assets | 9.5783% | 4,697 |
| Core capital (leverage) ratio | 9.5969% | 4,251 |
| Tier 1 risk-based capital ratio | 14.0904% | 4,152 |
| Total risk-based capital ratio | 15.3455% | 4,085 |
| Memoranda: | ||
| Average total assets | $218,607,500 | 2,818 |
| Average earning assets | $203,128,500 | 2,793 |
| Average equity | $20,749,250 | 3,088 |
| Average total loans | $162,518,750 | 2,416 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 1,417 |
| Cost of funding earning assets | 0.4823% | 3,004 |
| Net interest margin | 4.1608% | 1,346 |
| Noninterest income to average assets | 1.5361% | 524 |
| Noninterest expense to average assets | 3.9283% | 828 |
| Loan and lease loss provision to assets | 0.3506% | 513 |
| Net operating income to assets | 0.7528% | 3,551 |
| Return on assets (ROA) | 0.7528% | 3,652 |
| Pretax return on assets | 1.1255% | 2,990 |
| Return on Equity (ROE) | 7.9564% | 3,121 |
| Retained earnings to average equity (ytd only) | -4.7193% | 6,217 |
| Net charge-offs to loans | 0.8299% | 451 |
| Credit loss provision to net charge-offs | 56.6319% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.3845% | 3,560 |
| Efficiency ratio | 72.6869% | 3,214 |
| Assets per employee ($millions) | 2.4128% | 6,345 |
| Cash dividends to net income (ytd only)* | 159.3137% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 2,567 |
| Loan loss allowance to noncurrent loans | 64.1299% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1051% | 1,483 |
| Noncurrent loans to loans | 2.4548% | 1,275 |
| Net loans and leases to total assets | 71.2020% | 1,883 |
| Net loans and leases to deposits | 79.0595% | 2,649 |
| Net loans and leases to core deposits | 89.3001% | 2,186 |
| Total domestic deposits to total assets | 90.0613% | 774 |
| Equity capital to assets | 9.3440% | 4,930 |
| Core capital (leverage) ratio | 9.4498% | 4,399 |
| Tier 1 risk-based capital ratio | 14.2608% | 4,091 |
| Total risk-based capital ratio | 15.5168% | 4,022 |
| Memoranda: | ||
| Average total assets | $216,787,000 | 2,849 |
| Average earning assets | $201,548,670 | 2,819 |
| Average equity | $20,511,670 | 3,118 |
| Average total loans | $161,705,000 | 2,429 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 1,031 |
| Cost of funding earning assets | 0.4785% | 3,130 |
| Net interest margin | 4.3282% | 947 |
| Noninterest income to average assets | 1.6938% | 435 |
| Noninterest expense to average assets | 3.9255% | 828 |
| Loan and lease loss provision to assets | 0.5416% | 258 |
| Net operating income to assets | 0.8236% | 3,040 |
| Return on assets (ROA) | 0.8236% | 3,113 |
| Pretax return on assets | 1.2475% | 2,287 |
| Return on Equity (ROE) | 8.6485% | 2,620 |
| Retained earnings to average equity (ytd only) | -16.8460% | 6,494 |
| Net charge-offs to loans | 0.0320% | 2,950 |
| Credit loss provision to net charge-offs | 2,230.7692% | 156 |
| Earnings coverage of net charge-offs (x) | 73.6923% | 571 |
| Efficiency ratio | 68.6928% | 4,066 |
| Assets per employee ($millions) | 2.5831% | 6,307 |
| Cash dividends to net income (ytd only)* | 294.7846% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 1,789 |
| Loan loss allowance to noncurrent loans | 1,334.9138% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 4,607 |
| Noncurrent loans to loans | 0.1415% | 5,674 |
| Net loans and leases to total assets | 73.2766% | 1,387 |
| Net loans and leases to deposits | 81.1820% | 2,141 |
| Net loans and leases to core deposits | 92.6076% | 1,674 |
| Total domestic deposits to total assets | 90.2621% | 933 |
| Equity capital to assets | 9.1745% | 4,902 |
| Core capital (leverage) ratio | 9.5459% | 4,218 |
| Tier 1 risk-based capital ratio | 14.2117% | 4,189 |
| Total risk-based capital ratio | 15.4724% | 4,126 |
| Memoranda: | ||
| Average total assets | $214,190,000 | 2,887 |
| Average earning assets | $198,973,500 | 2,860 |
| Average equity | $20,396,500 | 3,127 |
| Average total loans | $162,266,000 | 2,433 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 880 |
| Cost of funding earning assets | 0.5256% | 3,339 |
| Net interest margin | 4.4962% | 746 |
| Noninterest income to average assets | 1.6228% | 540 |
| Noninterest expense to average assets | 3.9448% | 926 |
| Loan and lease loss provision to assets | 0.5516% | 476 |
| Net operating income to assets | 0.8340% | 3,112 |
| Return on assets (ROA) | 0.8340% | 3,195 |
| Pretax return on assets | 1.2282% | 2,466 |
| Return on Equity (ROE) | 8.1867% | 2,935 |
| Retained earnings to average equity (ytd only) | 1.4487% | 5,167 |
| Net charge-offs to loans | 0.3966% | 1,702 |
| Credit loss provision to net charge-offs | 187.1880% | 1,219 |
| Earnings coverage of net charge-offs (x) | 6.0399% | 3,143 |
| Efficiency ratio | 68.9106% | 4,034 |
| Assets per employee ($millions) | 2.3729% | 6,476 |
| Cash dividends to net income (ytd only)* | 82.3045% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 2,214 |
| Loan loss allowance to noncurrent loans | 763.9566% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 4,609 |
| Noncurrent loans to loans | 0.2298% | 5,495 |
| Net loans and leases to total assets | 75.5340% | 1,142 |
| Net loans and leases to deposits | 84.1934% | 1,909 |
| Net loans and leases to core deposits | 96.5813% | 1,411 |
| Total domestic deposits to total assets | 89.7149% | 1,217 |
| Equity capital to assets | 9.8886% | 3,916 |
| Core capital (leverage) ratio | 10.2945% | 3,156 |
| Tier 1 risk-based capital ratio | 14.8806% | 3,731 |
| Total risk-based capital ratio | 16.1393% | 3,674 |
| Memoranda: | ||
| Average total assets | $203,964,400 | 2,988 |
| Average earning assets | $186,068,000 | 3,010 |
| Average equity | $20,777,600 | 3,074 |
| Average total loans | $151,526,600 | 2,540 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 868 |
| Cost of funding earning assets | 0.5343% | 3,426 |
| Net interest margin | 4.5007% | 739 |
| Noninterest income to average assets | 1.6236% | 555 |
| Noninterest expense to average assets | 3.9831% | 875 |
| Loan and lease loss provision to assets | 0.4176% | 707 |
| Net operating income to assets | 0.9055% | 2,807 |
| Return on assets (ROA) | 0.9055% | 2,917 |
| Pretax return on assets | 1.3106% | 2,297 |
| Return on Equity (ROE) | 8.8225% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.1340% | 5,527 |
| Net charge-offs to loans | 0.3698% | 1,721 |
| Credit loss provision to net charge-offs | 153.3816% | 1,538 |
| Earnings coverage of net charge-offs (x) | 6.3478% | 2,994 |
| Efficiency ratio | 69.7409% | 3,800 |
| Assets per employee ($millions) | 2.3665% | 6,563 |
| Cash dividends to net income (ytd only)* | 87.1462% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,075 |
| Loan loss allowance to noncurrent loans | 1,031.5574% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 5,050 |
| Noncurrent loans to loans | 0.1536% | 5,858 |
| Net loans and leases to total assets | 75.9361% | 1,012 |
| Net loans and leases to deposits | 85.8939% | 1,628 |
| Net loans and leases to core deposits | 94.5071% | 1,528 |
| Total domestic deposits to total assets | 88.4069% | 1,890 |
| Equity capital to assets | 10.0229% | 3,872 |
| Core capital (leverage) ratio | 10.3606% | 3,155 |
| Tier 1 risk-based capital ratio | 14.9371% | 3,792 |
| Total risk-based capital ratio | 16.1925% | 3,737 |
| Memoranda: | ||
| Average total assets | $202,751,500 | 3,028 |
| Average earning assets | $184,146,000 | 3,049 |
| Average equity | $20,809,750 | 3,096 |
| Average total loans | $149,271,750 | 2,577 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 939 |
| Cost of funding earning assets | 0.5490% | 3,427 |
| Net interest margin | 4.4293% | 804 |
| Noninterest income to average assets | 1.7699% | 537 |
| Noninterest expense to average assets | 4.0594% | 809 |
| Loan and lease loss provision to assets | 0.5007% | 545 |
| Net operating income to assets | 0.7903% | 3,348 |
| Return on assets (ROA) | 0.7903% | 3,507 |
| Pretax return on assets | 1.2018% | 2,670 |
| Return on Equity (ROE) | 7.6386% | 3,270 |
| Retained earnings to average equity (ytd only) | -3.8624% | 6,383 |
| Net charge-offs to loans | 0.4956% | 1,316 |
| Credit loss provision to net charge-offs | 139.5028% | 1,626 |
| Earnings coverage of net charge-offs (x) | 4.7431% | 3,047 |
| Efficiency ratio | 70.4526% | 3,743 |
| Assets per employee ($millions) | 2.3469% | 6,616 |
| Cash dividends to net income (ytd only)* | 150.5646% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 3,119 |
| Loan loss allowance to noncurrent loans | 470.6564% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 4,505 |
| Noncurrent loans to loans | 0.3421% | 5,444 |
| Net loans and leases to total assets | 72.9710% | 1,408 |
| Net loans and leases to deposits | 81.3366% | 2,137 |
| Net loans and leases to core deposits | 91.5408% | 1,757 |
| Total domestic deposits to total assets | 89.7148% | 1,196 |
| Equity capital to assets | 10.0506% | 3,852 |
| Core capital (leverage) ratio | 10.2358% | 3,178 |
| Tier 1 risk-based capital ratio | 14.8144% | 3,900 |
| Total risk-based capital ratio | 16.0770% | 3,858 |
| Memoranda: | ||
| Average total assets | $201,705,670 | 3,052 |
| Average earning assets | $181,787,670 | 3,095 |
| Average equity | $20,867,670 | 3,104 |
| Average total loans | $146,075,330 | 2,630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 1,019 |
| Cost of funding earning assets | 0.5632% | 3,451 |
| Net interest margin | 4.3606% | 863 |
| Noninterest income to average assets | 1.3109% | 897 |
| Noninterest expense to average assets | 4.2779% | 643 |
| Loan and lease loss provision to assets | 0.1796% | 2,068 |
| Net operating income to assets | 0.5288% | 4,538 |
| Return on assets (ROA) | 0.5288% | 4,685 |
| Pretax return on assets | 0.8081% | 4,137 |
| Return on Equity (ROE) | 5.0378% | 4,548 |
| Retained earnings to average equity (ytd only) | -17.7748% | 6,807 |
| Net charge-offs to loans | 1.0405% | 587 |
| Credit loss provision to net charge-offs | 24.1287% | 2,976 |
| Earnings coverage of net charge-offs (x) | 1.3271% | 3,389 |
| Efficiency ratio | 81.2429% | 2,160 |
| Assets per employee ($millions) | 2.2072% | 6,766 |
| Cash dividends to net income (ytd only)* | 452.8302% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 4,196 |
| Loan loss allowance to noncurrent loans | 898.2143% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 4,825 |
| Noncurrent loans to loans | 0.1566% | 6,002 |
| Net loans and leases to total assets | 69.4435% | 1,763 |
| Net loans and leases to deposits | 77.6671% | 2,387 |
| Net loans and leases to core deposits | 85.8219% | 2,123 |
| Total domestic deposits to total assets | 89.4117% | 1,408 |
| Equity capital to assets | 10.1205% | 3,986 |
| Core capital (leverage) ratio | 9.9852% | 3,407 |
| Tier 1 risk-based capital ratio | 15.0057% | 3,830 |
| Total risk-based capital ratio | 16.2584% | 3,787 |
| Memoranda: | ||
| Average total assets | $200,470,000 | 3,091 |
| Average earning assets | $181,809,500 | 3,119 |
| Average equity | $21,041,000 | 3,126 |
| Average total loans | $143,399,000 | 2,672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 1,263 |
| Cost of funding earning assets | 0.6355% | 4,046 |
| Net interest margin | 4.4847% | 972 |
| Noninterest income to average assets | 1.4582% | 736 |
| Noninterest expense to average assets | 4.1639% | 811 |
| Loan and lease loss provision to assets | 0.4893% | 1,238 |
| Net operating income to assets | 0.5911% | 4,276 |
| Return on assets (ROA) | 0.6022% | 4,491 |
| Pretax return on assets | 0.8721% | 4,020 |
| Return on Equity (ROE) | 5.5605% | 4,395 |
| Retained earnings to average equity (ytd only) | -2.5486% | 6,227 |
| Net charge-offs to loans | 0.2348% | 3,527 |
| Credit loss provision to net charge-offs | 289.3175% | 842 |
| Earnings coverage of net charge-offs (x) | 7.9555% | 2,504 |
| Efficiency ratio | 75.5807% | 2,814 |
| Assets per employee ($millions) | 2.1508% | 6,858 |
| Cash dividends to net income (ytd only)* | 145.8333% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 3,334 |
| Loan loss allowance to noncurrent loans | 225.6637% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 4,253 |
| Noncurrent loans to loans | 0.7074% | 4,775 |
| Net loans and leases to total assets | 71.4974% | 1,571 |
| Net loans and leases to deposits | 80.5540% | 2,214 |
| Net loans and leases to core deposits | 90.3937% | 1,790 |
| Total domestic deposits to total assets | 88.7572% | 1,728 |
| Equity capital to assets | 10.8810% | 3,087 |
| Core capital (leverage) ratio | 10.6631% | 2,584 |
| Tier 1 risk-based capital ratio | 15.7366% | 3,300 |
| Total risk-based capital ratio | 16.9919% | 3,253 |
| Memoranda: | ||
| Average total assets | $199,283,400 | 3,054 |
| Average earning assets | $180,012,600 | 3,090 |
| Average equity | $21,580,600 | 3,030 |
| Average total loans | $143,513,600 | 2,673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 1,343 |
| Cost of funding earning assets | 0.6490% | 4,206 |
| Net interest margin | 4.4845% | 1,020 |
| Noninterest income to average assets | 1.4613% | 697 |
| Noninterest expense to average assets | 4.1187% | 806 |
| Loan and lease loss provision to assets | 0.1803% | 3,334 |
| Net operating income to assets | 0.8034% | 3,436 |
| Return on assets (ROA) | 0.8175% | 3,604 |
| Pretax return on assets | 1.2309% | 2,866 |
| Return on Equity (ROE) | 7.5578% | 3,499 |
| Retained earnings to average equity (ytd only) | -1.7042% | 6,360 |
| Net charge-offs to loans | 0.0939% | 4,439 |
| Credit loss provision to net charge-offs | 267.3267% | 1,023 |
| Earnings coverage of net charge-offs (x) | 20.6045% | 1,440 |
| Efficiency ratio | 74.7696% | 2,863 |
| Assets per employee ($millions) | 2.1959% | 6,919 |
| Cash dividends to net income (ytd only)* | 122.5490% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 4,964 |
| Loan loss allowance to noncurrent loans | 119.4118% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 4,175 |
| Noncurrent loans to loans | 1.0610% | 4,316 |
| Net loans and leases to total assets | 72.0417% | 1,549 |
| Net loans and leases to deposits | 81.5404% | 2,178 |
| Net loans and leases to core deposits | 89.9810% | 1,979 |
| Total domestic deposits to total assets | 88.3510% | 1,812 |
| Equity capital to assets | 11.0530% | 3,205 |
| Core capital (leverage) ratio | 10.6912% | 2,712 |
| Tier 1 risk-based capital ratio | 15.7406% | 3,403 |
| Total risk-based capital ratio | 16.9913% | 3,368 |
| Memoranda: | ||
| Average total assets | $199,635,000 | 3,082 |
| Average earning assets | $180,172,250 | 3,117 |
| Average equity | $21,593,000 | 3,047 |
| Average total loans | $143,449,000 | 2,705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 1,447 |
| Cost of funding earning assets | 0.6706% | 4,271 |
| Net interest margin | 4.4514% | 1,081 |
| Noninterest income to average assets | 1.4498% | 693 |
| Noninterest expense to average assets | 4.1697% | 762 |
| Loan and lease loss provision to assets | 0.1797% | 3,302 |
| Net operating income to assets | 0.7399% | 3,645 |
| Return on assets (ROA) | 0.7399% | 3,925 |
| Pretax return on assets | 1.1103% | 3,269 |
| Return on Equity (ROE) | 6.8900% | 3,839 |
| Retained earnings to average equity (ytd only) | -7.0574% | 6,722 |
| Net charge-offs to loans | 0.0377% | 4,849 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 47.8519% | 760 |
| Efficiency ratio | 76.3716% | 2,690 |
| Assets per employee ($millions) | 2.2473% | 6,953 |
| Cash dividends to net income (ytd only)* | 202.4291% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 5,072 |
| Loan loss allowance to noncurrent loans | 136.7069% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 4,368 |
| Noncurrent loans to loans | 0.9231% | 4,659 |
| Net loans and leases to total assets | 70.0207% | 1,915 |
| Net loans and leases to deposits | 78.8424% | 2,543 |
| Net loans and leases to core deposits | 86.9645% | 2,316 |
| Total domestic deposits to total assets | 88.8110% | 1,631 |
| Equity capital to assets | 10.6120% | 3,558 |
| Core capital (leverage) ratio | 10.3769% | 2,955 |
| Tier 1 risk-based capital ratio | 15.7905% | 3,284 |
| Total risk-based capital ratio | 17.0403% | 3,255 |
| Memoranda: | ||
| Average total assets | $200,303,330 | 3,079 |
| Average earning assets | $180,438,000 | 3,124 |
| Average equity | $21,509,330 | 3,042 |
| Average total loans | $143,197,670 | 2,718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 1,381 |
| Cost of funding earning assets | 0.7034% | 4,249 |
| Net interest margin | 4.4672% | 1,074 |
| Noninterest income to average assets | 1.3666% | 772 |
| Noninterest expense to average assets | 4.2242% | 717 |
| Loan and lease loss provision to assets | 0.1806% | 3,166 |
| Net operating income to assets | 0.6763% | 4,000 |
| Return on assets (ROA) | 0.6763% | 4,215 |
| Pretax return on assets | 0.9893% | 3,709 |
| Return on Equity (ROE) | 6.2603% | 4,161 |
| Retained earnings to average equity (ytd only) | -21.6046% | 7,065 |
| Net charge-offs to loans | -0.0308% | 6,351 |
| Credit loss provision to net charge-offs | -818.1818% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3110% | 2,453 |
| Assets per employee ($millions) | 2.9538% | 6,246 |
| Cash dividends to net income (ytd only)* | 445.1039% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,344 |
| Loan loss allowance to noncurrent loans | 712.1457% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 5,693 |
| Noncurrent loans to loans | 0.1733% | 6,332 |
| Net loans and leases to total assets | 69.0748% | 1,939 |
| Net loans and leases to deposits | 77.4574% | 2,601 |
| Net loans and leases to core deposits | 85.3705% | 2,362 |
| Total domestic deposits to total assets | 89.1777% | 1,582 |
| Equity capital to assets | 10.2575% | 3,783 |
| Core capital (leverage) ratio | 10.0976% | 3,239 |
| Tier 1 risk-based capital ratio | 15.5571% | 3,408 |
| Total risk-based capital ratio | 16.8078% | 3,385 |
| Memoranda: | ||
| Average total assets | $199,328,500 | 3,113 |
| Average earning assets | $179,708,500 | 3,151 |
| Average equity | $21,532,500 | 3,034 |
| Average total loans | $143,082,000 | 2,733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 1,587 |
| Cost of funding earning assets | 0.8466% | 4,492 |
| Net interest margin | 4.4950% | 1,145 |
| Noninterest income to average assets | 1.4754% | 597 |
| Noninterest expense to average assets | 4.2545% | 754 |
| Loan and lease loss provision to assets | 0.4675% | 2,263 |
| Net operating income to assets | 0.5505% | 4,229 |
| Return on assets (ROA) | 0.5697% | 4,332 |
| Pretax return on assets | 0.8404% | 3,818 |
| Return on Equity (ROE) | 5.1554% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.1554% | 2,533 |
| Net charge-offs to loans | 0.6497% | 2,524 |
| Credit loss provision to net charge-offs | 97.7444% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.6756% | 3,871 |
| Efficiency ratio | 76.8774% | 2,763 |
| Assets per employee ($millions) | 2.5305% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,608 |
| Loan loss allowance to noncurrent loans | 96.1717% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 4,064 |
| Noncurrent loans to loans | 1.2004% | 4,372 |
| Net loans and leases to total assets | 72.8601% | 1,482 |
| Net loans and leases to deposits | 82.6493% | 2,114 |
| Net loans and leases to core deposits | 91.0616% | 1,979 |
| Total domestic deposits to total assets | 88.1558% | 2,055 |
| Equity capital to assets | 11.3726% | 2,617 |
| Core capital (leverage) ratio | 11.1381% | 2,164 |
| Tier 1 risk-based capital ratio | 16.3557% | 2,887 |
| Total risk-based capital ratio | 17.5947% | 2,856 |
| Memoranda: | ||
| Average total assets | $194,662,200 | 3,118 |
| Average earning assets | $175,771,800 | 3,147 |
| Average equity | $21,511,600 | 2,946 |
| Average total loans | $143,296,200 | 2,733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 1,639 |
| Cost of funding earning assets | 0.8763% | 4,578 |
| Net interest margin | 4.4869% | 1,181 |
| Noninterest income to average assets | 1.4202% | 650 |
| Noninterest expense to average assets | 4.1749% | 818 |
| Loan and lease loss provision to assets | 0.3220% | 2,962 |
| Net operating income to assets | 0.6394% | 3,925 |
| Return on assets (ROA) | 0.6639% | 3,975 |
| Pretax return on assets | 1.0160% | 3,347 |
| Return on Equity (ROE) | 6.0515% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.0515% | 2,530 |
| Net charge-offs to loans | 0.7727% | 2,016 |
| Credit loss provision to net charge-offs | 56.6265% | 4,883 |
| Earnings coverage of net charge-offs (x) | 2.2867% | 3,987 |
| Efficiency ratio | 76.2513% | 2,808 |
| Assets per employee ($millions) | 2.5399% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,535 |
| Loan loss allowance to noncurrent loans | 49.6235% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.8638% | 3,315 |
| Noncurrent loans to loans | 1.8536% | 3,562 |
| Net loans and leases to total assets | 72.5940% | 1,588 |
| Net loans and leases to deposits | 82.3542% | 2,290 |
| Net loans and leases to core deposits | 91.1678% | 2,095 |
| Total domestic deposits to total assets | 88.1485% | 1,954 |
| Equity capital to assets | 11.2645% | 2,900 |
| Core capital (leverage) ratio | 10.9743% | 2,410 |
| Tier 1 risk-based capital ratio | 16.2782% | 2,980 |
| Total risk-based capital ratio | 17.2648% | 3,074 |
| Memoranda: | ||
| Average total assets | $194,616,250 | 3,137 |
| Average earning assets | $175,884,000 | 3,158 |
| Average equity | $21,349,750 | 2,963 |
| Average total loans | $143,214,500 | 2,761 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3433% | 1,737 |
| Cost of funding earning assets | 0.9062% | 4,612 |
| Net interest margin | 4.4371% | 1,276 |
| Noninterest income to average assets | 1.3546% | 696 |
| Noninterest expense to average assets | 4.1328% | 888 |
| Loan and lease loss provision to assets | 0.3912% | 2,460 |
| Net operating income to assets | 0.5809% | 4,151 |
| Return on assets (ROA) | 0.5816% | 4,276 |
| Pretax return on assets | 0.8585% | 3,799 |
| Return on Equity (ROE) | 5.3496% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.3496% | 2,776 |
| Net charge-offs to loans | 0.7179% | 2,077 |
| Credit loss provision to net charge-offs | 73.9300% | 3,950 |
| Earnings coverage of net charge-offs (x) | 2.3599% | 3,644 |
| Efficiency ratio | 76.7980% | 2,888 |
| Assets per employee ($millions) | 2.4712% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 6,061 |
| Loan loss allowance to noncurrent loans | 61.8838% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.4705% | 4,008 |
| Noncurrent loans to loans | 1.7307% | 3,846 |
| Net loans and leases to total assets | 72.1415% | 1,763 |
| Net loans and leases to deposits | 81.4290% | 2,533 |
| Net loans and leases to core deposits | 89.9838% | 2,373 |
| Total domestic deposits to total assets | 88.5944% | 1,787 |
| Equity capital to assets | 10.9079% | 3,052 |
| Core capital (leverage) ratio | 10.7459% | 2,475 |
| Tier 1 risk-based capital ratio | 15.9757% | 2,984 |
| Total risk-based capital ratio | 17.1315% | 3,012 |
| Memoranda: | ||
| Average total assets | $194,298,330 | 3,163 |
| Average earning assets | $176,332,330 | 3,180 |
| Average equity | $21,123,000 | 2,980 |
| Average total loans | $143,189,330 | 2,791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 1,924 |
| Cost of funding earning assets | 0.9317% | 4,712 |
| Net interest margin | 4.3510% | 1,422 |
| Noninterest income to average assets | 1.4122% | 646 |
| Noninterest expense to average assets | 3.9813% | 1,061 |
| Loan and lease loss provision to assets | 0.1869% | 3,746 |
| Net operating income to assets | 0.7996% | 3,036 |
| Return on assets (ROA) | 0.7996% | 3,102 |
| Pretax return on assets | 1.2399% | 2,230 |
| Return on Equity (ROE) | 7.3675% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.3675% | 1,998 |
| Net charge-offs to loans | 0.7400% | 1,737 |
| Credit loss provision to net charge-offs | 34.0909% | 4,049 |
| Earnings coverage of net charge-offs (x) | 2.6023% | 3,039 |
| Efficiency ratio | 73.6175% | 3,588 |
| Assets per employee ($millions) | 2.4687% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 6,192 |
| Loan loss allowance to noncurrent loans | 75.5399% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 4,617 |
| Noncurrent loans to loans | 1.4012% | 4,371 |
| Net loans and leases to total assets | 72.0861% | 1,704 |
| Net loans and leases to deposits | 81.3864% | 2,465 |
| Net loans and leases to core deposits | 88.9183% | 2,489 |
| Total domestic deposits to total assets | 88.5727% | 2,033 |
| Equity capital to assets | 10.8171% | 2,862 |
| Core capital (leverage) ratio | 10.8471% | 2,312 |
| Tier 1 risk-based capital ratio | 15.6178% | 3,091 |
| Total risk-based capital ratio | 16.7277% | 3,120 |
| Memoranda: | ||
| Average total assets | $192,601,500 | 3,213 |
| Average earning assets | $176,877,000 | 3,197 |
| Average equity | $20,902,500 | 2,994 |
| Average total loans | $142,703,000 | 2,830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 1,876 |
| Cost of funding earning assets | 1.1461% | 4,876 |
| Net interest margin | 4.4572% | 1,334 |
| Noninterest income to average assets | 1.3430% | 813 |
| Noninterest expense to average assets | 4.0707% | 1,065 |
| Loan and lease loss provision to assets | 0.3623% | 3,944 |
| Net operating income to assets | 0.6585% | 3,396 |
| Return on assets (ROA) | 0.6585% | 3,539 |
| Pretax return on assets | 0.9870% | 2,972 |
| Return on Equity (ROE) | 6.2806% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.2806% | 1,677 |
| Net charge-offs to loans | 0.2423% | 4,831 |
| Credit loss provision to net charge-offs | 196.8391% | 1,610 |
| Earnings coverage of net charge-offs (x) | 7.3305% | 2,153 |
| Efficiency ratio | 75.1049% | 3,186 |
| Assets per employee ($millions) | 2.6414% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,640 |
| Loan loss allowance to noncurrent loans | 101.2063% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 5,032 |
| Noncurrent loans to loans | 1.1569% | 4,792 |
| Net loans and leases to total assets | 74.4765% | 1,574 |
| Net loans and leases to deposits | 84.0666% | 2,437 |
| Net loans and leases to core deposits | 93.7627% | 2,288 |
| Total domestic deposits to total assets | 88.5923% | 1,898 |
| Equity capital to assets | 10.8893% | 2,787 |
| Core capital (leverage) ratio | 10.7142% | 2,372 |
| Tier 1 risk-based capital ratio | 15.4674% | 3,009 |
| Total risk-based capital ratio | 16.7165% | 2,973 |
| Memoranda: | ||
| Average total assets | $189,060,200 | 3,241 |
| Average earning assets | $172,934,800 | 3,227 |
| Average equity | $19,822,800 | 3,171 |
| Average total loans | $143,596,200 | 2,875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 2,014 |
| Cost of funding earning assets | 1.1747% | 5,009 |
| Net interest margin | 4.4401% | 1,400 |
| Noninterest income to average assets | 1.2762% | 848 |
| Noninterest expense to average assets | 4.0561% | 980 |
| Loan and lease loss provision to assets | 0.3319% | 3,944 |
| Net operating income to assets | 0.6250% | 3,772 |
| Return on assets (ROA) | 0.6250% | 3,943 |
| Pretax return on assets | 0.9485% | 3,372 |
| Return on Equity (ROE) | 6.0199% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.0199% | 2,343 |
| Net charge-offs to loans | 0.1643% | 5,006 |
| Credit loss provision to net charge-offs | 265.5367% | 1,240 |
| Earnings coverage of net charge-offs (x) | 10.2431% | 1,909 |
| Efficiency ratio | 76.0058% | 2,953 |
| Assets per employee ($millions) | 2.4442% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,704 |
| Loan loss allowance to noncurrent loans | 91.0306% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 5,175 |
| Noncurrent loans to loans | 1.2646% | 4,741 |
| Net loans and leases to total assets | 73.5919% | 1,891 |
| Net loans and leases to deposits | 83.0539% | 2,900 |
| Net loans and leases to core deposits | 92.3350% | 2,747 |
| Total domestic deposits to total assets | 88.6074% | 1,617 |
| Equity capital to assets | 10.8324% | 3,135 |
| Core capital (leverage) ratio | 10.5415% | 2,644 |
| Tier 1 risk-based capital ratio | 15.2685% | 3,117 |
| Total risk-based capital ratio | 16.4904% | 3,099 |
| Memoranda: | ||
| Average total assets | $188,780,750 | 3,288 |
| Average earning assets | $172,632,750 | 3,274 |
| Average equity | $19,601,250 | 3,240 |
| Average total loans | $143,666,250 | 2,913 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 1,886 |
| Cost of funding earning assets | 1.1802% | 5,235 |
| Net interest margin | 4.4852% | 1,235 |
| Noninterest income to average assets | 1.2500% | 830 |
| Noninterest expense to average assets | 4.0742% | 950 |
| Loan and lease loss provision to assets | 0.4039% | 3,296 |
| Net operating income to assets | 0.5761% | 3,969 |
| Return on assets (ROA) | 0.5761% | 4,110 |
| Pretax return on assets | 0.8599% | 3,658 |
| Return on Equity (ROE) | 5.6309% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.6309% | 2,539 |
| Net charge-offs to loans | 0.1387% | 4,837 |
| Credit loss provision to net charge-offs | 380.0000% | 947 |
| Earnings coverage of net charge-offs (x) | 11.8900% | 1,720 |
| Efficiency ratio | 76.3242% | 3,013 |
| Assets per employee ($millions) | 2.4498% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,822 |
| Loan loss allowance to noncurrent loans | 67.7959% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 4,386 |
| Noncurrent loans to loans | 1.6585% | 4,213 |
| Net loans and leases to total assets | 74.5968% | 1,788 |
| Net loans and leases to deposits | 83.9798% | 2,873 |
| Net loans and leases to core deposits | 93.8049% | 2,745 |
| Total domestic deposits to total assets | 88.8270% | 1,534 |
| Equity capital to assets | 10.5926% | 3,290 |
| Core capital (leverage) ratio | 10.4128% | 2,700 |
| Tier 1 risk-based capital ratio | 14.7616% | 3,284 |
| Total risk-based capital ratio | 15.9535% | 3,298 |
| Memoranda: | ||
| Average total assets | $188,157,670 | 3,335 |
| Average earning assets | $171,498,000 | 3,318 |
| Average equity | $19,251,000 | 3,275 |
| Average total loans | $144,242,670 | 2,936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6722% | 1,878 |
| Cost of funding earning assets | 1.1786% | 5,518 |
| Net interest margin | 4.4936% | 1,163 |
| Noninterest income to average assets | 1.2341% | 806 |
| Noninterest expense to average assets | 4.0987% | 901 |
| Loan and lease loss provision to assets | 0.6213% | 2,041 |
| Net operating income to assets | 0.4285% | 4,718 |
| Return on assets (ROA) | 0.4285% | 4,852 |
| Pretax return on assets | 0.6149% | 4,549 |
| Return on Equity (ROE) | 4.2653% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,590 |
| Net charge-offs to loans | 0.2495% | 3,447 |
| Credit loss provision to net charge-offs | 322.2222% | 1,232 |
| Earnings coverage of net charge-offs (x) | 6.4111% | 2,228 |
| Efficiency ratio | 76.8273% | 3,091 |
| Assets per employee ($millions) | 2.3286% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 6,148 |
| Loan loss allowance to noncurrent loans | 92.7754% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 5,106 |
| Noncurrent loans to loans | 1.1533% | 5,059 |
| Net loans and leases to total assets | 74.6177% | 1,829 |
| Net loans and leases to deposits | 83.7657% | 2,976 |
| Net loans and leases to core deposits | 92.7646% | 3,006 |
| Total domestic deposits to total assets | 89.0790% | 1,480 |
| Equity capital to assets | 10.4004% | 3,342 |
| Core capital (leverage) ratio | 10.5744% | 2,552 |
| Tier 1 risk-based capital ratio | 14.4525% | 3,413 |
| Total risk-based capital ratio | 15.5811% | 3,439 |
| Memoranda: | ||
| Average total assets | $186,693,500 | 3,407 |
| Average earning assets | $170,376,000 | 3,397 |
| Average equity | $18,756,000 | 3,359 |
| Average total loans | $144,281,500 | 2,995 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1571% | 1,352 |
| Cost of funding earning assets | 1.6872% | 4,578 |
| Net interest margin | 4.4698% | 1,239 |
| Noninterest income to average assets | 1.4481% | 693 |
| Noninterest expense to average assets | 4.2534% | 1,035 |
| Loan and lease loss provision to assets | 0.5124% | 3,813 |
| Net operating income to assets | 0.5506% | 3,521 |
| Return on assets (ROA) | 0.5692% | 3,523 |
| Pretax return on assets | 0.7970% | 3,251 |
| Return on Equity (ROE) | 6.0077% | 3,206 |
| Retained earnings to average equity (ytd only) | 5.2729% | 1,687 |
| Net charge-offs to loans | 0.5539% | 3,568 |
| Credit loss provision to net charge-offs | 115.1439% | 4,740 |
| Earnings coverage of net charge-offs (x) | 2.8836% | 3,646 |
| Efficiency ratio | 76.8233% | 3,384 |
| Assets per employee ($millions) | 2.2805% | 7,491 |
| Cash dividends to net income (ytd only)* | 12.2309% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,715 |
| Loan loss allowance to noncurrent loans | 570.6383% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 6,710 |
| Noncurrent loans to loans | 0.1626% | 7,017 |
| Net loans and leases to total assets | 78.4919% | 1,286 |
| Net loans and leases to deposits | 87.3775% | 2,668 |
| Net loans and leases to core deposits | 111.0884% | 2,790 |
| Total domestic deposits to total assets | 89.8308% | 1,046 |
| Equity capital to assets | 9.6759% | 4,174 |
| Core capital (leverage) ratio | 9.5735% | 3,634 |
| Tier 1 risk-based capital ratio | 12.7407% | 4,333 |
| Total risk-based capital ratio | 13.7152% | 4,498 |
| Memoranda: | ||
| Average total assets | $179,550,400 | 3,450 |
| Average earning assets | $164,233,800 | 3,439 |
| Average equity | $17,011,600 | 3,670 |
| Average total loans | $144,256,800 | 3,013 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2027% | 1,374 |
| Cost of funding earning assets | 1.8159% | 4,309 |
| Net interest margin | 4.3867% | 1,477 |
| Noninterest income to average assets | 1.4688% | 687 |
| Noninterest expense to average assets | 4.2789% | 936 |
| Loan and lease loss provision to assets | 0.5629% | 3,139 |
| Net operating income to assets | 0.4998% | 3,986 |
| Return on assets (ROA) | 0.5167% | 4,010 |
| Pretax return on assets | 0.6651% | 3,971 |
| Return on Equity (ROE) | 5.4832% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.8897% | 2,561 |
| Net charge-offs to loans | 0.6177% | 2,827 |
| Credit loss provision to net charge-offs | 113.0240% | 4,495 |
| Earnings coverage of net charge-offs (x) | 2.4222% | 4,021 |
| Efficiency ratio | 78.0073% | 3,163 |
| Assets per employee ($millions) | 2.3815% | 7,403 |
| Cash dividends to net income (ytd only)* | 10.8227% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,703 |
| Loan loss allowance to noncurrent loans | 383.2845% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,456 |
| Noncurrent loans to loans | 0.2382% | 6,906 |
| Net loans and leases to total assets | 78.3861% | 1,504 |
| Net loans and leases to deposits | 87.2293% | 3,103 |
| Net loans and leases to core deposits | 110.6825% | 3,161 |
| Total domestic deposits to total assets | 89.8622% | 823 |
| Equity capital to assets | 9.6113% | 4,604 |
| Core capital (leverage) ratio | 9.3736% | 4,083 |
| Tier 1 risk-based capital ratio | 12.6175% | 4,461 |
| Total risk-based capital ratio | 13.5732% | 4,628 |
| Memoranda: | ||
| Average total assets | $178,827,250 | 3,484 |
| Average earning assets | $163,731,500 | 3,478 |
| Average equity | $16,851,250 | 3,734 |
| Average total loans | $144,185,000 | 3,044 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2686% | 1,286 |
| Cost of funding earning assets | 1.9187% | 4,171 |
| Net interest margin | 4.3499% | 1,523 |
| Noninterest income to average assets | 1.4441% | 713 |
| Noninterest expense to average assets | 4.3503% | 898 |
| Loan and lease loss provision to assets | 0.7468% | 2,196 |
| Net operating income to assets | 0.2560% | 5,064 |
| Return on assets (ROA) | 0.2560% | 5,161 |
| Pretax return on assets | 0.3313% | 5,124 |
| Return on Equity (ROE) | 2.7355% | 5,004 |
| Retained earnings to average equity (ytd only) | 1.8357% | 4,321 |
| Net charge-offs to loans | 0.7805% | 2,113 |
| Credit loss provision to net charge-offs | 117.9078% | 3,937 |
| Earnings coverage of net charge-offs (x) | 1.7021% | 4,280 |
| Efficiency ratio | 80.1407% | 3,020 |
| Assets per employee ($millions) | 2.4753% | 7,298 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,714 |
| Loan loss allowance to noncurrent loans | 247.8424% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 6,365 |
| Noncurrent loans to loans | 0.3686% | 6,589 |
| Net loans and leases to total assets | 78.2303% | 1,691 |
| Net loans and leases to deposits | 86.5398% | 3,455 |
| Net loans and leases to core deposits | 108.4499% | 3,564 |
| Total domestic deposits to total assets | 90.3981% | 670 |
| Equity capital to assets | 9.1914% | 5,029 |
| Core capital (leverage) ratio | 9.1599% | 4,364 |
| Tier 1 risk-based capital ratio | 12.2044% | 4,748 |
| Total risk-based capital ratio | 13.1647% | 4,907 |
| Memoranda: | ||
| Average total assets | $178,104,670 | 3,512 |
| Average earning assets | $163,131,000 | 3,504 |
| Average equity | $16,669,670 | 3,782 |
| Average total loans | $144,519,330 | 3,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3814% | 1,110 |
| Cost of funding earning assets | 2.0447% | 3,901 |
| Net interest margin | 4.3368% | 1,497 |
| Noninterest income to average assets | 1.4558% | 663 |
| Noninterest expense to average assets | 4.6044% | 649 |
| Loan and lease loss provision to assets | 1.3100% | 982 |
| Net operating income to assets | -0.2506% | 6,618 |
| Return on assets (ROA) | -0.2506% | 6,695 |
| Pretax return on assets | -0.5058% | 6,826 |
| Return on Equity (ROE) | -2.6528% | 6,739 |
| Retained earnings to average equity (ytd only) | -2.6528% | 6,215 |
| Net charge-offs to loans | 1.5311% | 944 |
| Credit loss provision to net charge-offs | 103.9783% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.6383% | 4,482 |
| Efficiency ratio | 85.1306% | 2,178 |
| Assets per employee ($millions) | 2.0840% | 7,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 6,924 |
| Loan loss allowance to noncurrent loans | 2,760.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 7,170 |
| Noncurrent loans to loans | 0.0311% | 7,463 |
| Net loans and leases to total assets | 81.0231% | 1,196 |
| Net loans and leases to deposits | 89.6477% | 2,986 |
| Net loans and leases to core deposits | 112.2253% | 3,200 |
| Total domestic deposits to total assets | 90.3795% | 650 |
| Equity capital to assets | 9.3529% | 4,861 |
| Core capital (leverage) ratio | 9.2428% | 4,340 |
| Tier 1 risk-based capital ratio | 12.0858% | 4,889 |
| Total risk-based capital ratio | 12.9942% | 5,100 |
| Memoranda: | ||
| Average total assets | $175,571,000 | 3,565 |
| Average earning assets | $160,026,500 | 3,571 |
| Average equity | $16,586,500 | 3,815 |
| Average total loans | $144,470,500 | 3,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1280% | 868 |
| Cost of funding earning assets | 2.4990% | 4,213 |
| Net interest margin | 4.6290% | 1,098 |
| Noninterest income to average assets | 1.5953% | 551 |
| Noninterest expense to average assets | 4.1895% | 1,155 |
| Loan and lease loss provision to assets | 0.1419% | 5,538 |
| Net operating income to assets | 1.0470% | 2,368 |
| Return on assets (ROA) | 0.6395% | 3,996 |
| Pretax return on assets | 0.9292% | 3,625 |
| Return on Equity (ROE) | 6.6190% | 3,704 |
| Retained earnings to average equity (ytd only) | 0.3181% | 5,050 |
| Net charge-offs to loans | 0.2131% | 4,081 |
| Credit loss provision to net charge-offs | 80.8081% | 5,886 |
| Earnings coverage of net charge-offs (x) | 9.4646% | 2,682 |
| Efficiency ratio | 71.6032% | 4,010 |
| Assets per employee ($millions) | 2.0471% | 7,871 |
| Cash dividends to net income (ytd only)* | 95.1941% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,916 |
| Loan loss allowance to noncurrent loans | 709.3023% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 6,570 |
| Noncurrent loans to loans | 0.1193% | 7,054 |
| Net loans and leases to total assets | 82.1569% | 1,201 |
| Net loans and leases to deposits | 91.2115% | 3,257 |
| Net loans and leases to core deposits | 118.2935% | 2,854 |
| Total domestic deposits to total assets | 90.0730% | 621 |
| Equity capital to assets | 9.5431% | 4,618 |
| Core capital (leverage) ratio | 9.5289% | 3,975 |
| Tier 1 risk-based capital ratio | 11.9687% | 4,847 |
| Total risk-based capital ratio | 12.8465% | 5,045 |
| Memoranda: | ||
| Average total assets | $169,184,400 | 3,566 |
| Average earning assets | $155,541,600 | 3,556 |
| Average equity | $16,347,000 | 3,856 |
| Average total loans | $139,381,000 | 3,108 |