Home > Englewood Bank & Trust > Performance and Condition Ratios
Englewood Bank & Trust, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 3,121 |
| Cost of funding earning assets | 0.2453% | 4,383 |
| Net interest margin | 4.0414% | 1,173 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.9618% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4439% | 257 |
| Return on assets (ROA) | 2.4439% | 252 |
| Pretax return on assets | 2.4439% | 380 |
| Return on Equity (ROE) | 32.7700% | 172 |
| Retained earnings to average equity (ytd only) | 9.6814% | 1,492 |
| Net charge-offs to loans | -0.0010% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.5217% | 4,232 |
| Assets per employee ($millions) | 13.8209% | 247 |
| Cash dividends to net income (ytd only)* | 70.4523% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,219 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.7200% | 4,220 |
| Net loans and leases to deposits | 37.8106% | 4,258 |
| Net loans and leases to core deposits | 37.8623% | 4,295 |
| Total domestic deposits to total assets | 91.8100% | 453 |
| Equity capital to assets | 7.8347% | 3,328 |
| Core capital (leverage) ratio | 8.1378% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4993% | 459 |
| Memoranda: | ||
| Average total assets | $580,804,333 | 1,526 |
| Average earning assets | $568,311,333 | 1,446 |
| Average equity | $43,320,000 | 1,772 |
| Average total loans | $190,915,667 | 2,347 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,494 |
| Cost of funding earning assets | 0.0247% | 4,604 |
| Net interest margin | 3.9513% | 1,365 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.8259% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4809% | 247 |
| Return on assets (ROA) | 2.4809% | 245 |
| Pretax return on assets | 2.4809% | 367 |
| Return on Equity (ROE) | 34.0600% | 172 |
| Retained earnings to average equity (ytd only) | 34.0600% | 84 |
| Net charge-offs to loans | -0.0021% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.3821% | 4,374 |
| Assets per employee ($millions) | 14.9019% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,190 |
| Loan loss allowance to noncurrent loans | 1,930.4000% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,599 |
| Noncurrent loans to loans | 0.0657% | 3,264 |
| Net loans and leases to total assets | 31.5100% | 4,336 |
| Net loans and leases to deposits | 34.1994% | 4,374 |
| Net loans and leases to core deposits | 34.2426% | 4,391 |
| Total domestic deposits to total assets | 92.1300% | 488 |
| Equity capital to assets | 7.6202% | 3,496 |
| Core capital (leverage) ratio | 8.0039% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1013% | 392 |
| Memoranda: | ||
| Average total assets | $594,788,500 | 1,508 |
| Average earning assets | $582,090,500 | 1,439 |
| Average equity | $43,323,500 | 1,787 |
| Average total loans | $189,206,500 | 2,375 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6783% | 4,417 |
| Cost of funding earning assets | 0.0307% | 4,607 |
| Net interest margin | 2.6476% | 4,117 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.8052% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2920% | 1,461 |
| Return on assets (ROA) | 1.2924% | 1,418 |
| Pretax return on assets | 1.2924% | 2,113 |
| Return on Equity (ROE) | 18.6400% | 615 |
| Retained earnings to average equity (ytd only) | 13.5744% | 443 |
| Net charge-offs to loans | -0.0192% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.2842% | 3,300 |
| Assets per employee ($millions) | 14.4757% | 224 |
| Cash dividends to net income (ytd only)* | 27.1776% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 1,985 |
| Loan loss allowance to noncurrent loans | 1,929.6000% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,635 |
| Noncurrent loans to loans | 0.0664% | 3,270 |
| Net loans and leases to total assets | 31.3000% | 4,360 |
| Net loans and leases to deposits | 33.7184% | 4,399 |
| Net loans and leases to core deposits | 33.7609% | 4,422 |
| Total domestic deposits to total assets | 92.8300% | 441 |
| Equity capital to assets | 6.9460% | 3,699 |
| Core capital (leverage) ratio | 7.6551% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5905% | 441 |
| Memoranda: | ||
| Average total assets | $569,408,400 | 1,563 |
| Average earning assets | $556,511,600 | 1,487 |
| Average equity | $39,478,600 | 1,932 |
| Average total loans | $182,343,000 | 2,358 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3333% | 4,525 |
| Cost of funding earning assets | 0.0320% | 4,635 |
| Net interest margin | 2.3014% | 4,403 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.8327% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9544% | 2,646 |
| Return on assets (ROA) | 0.9549% | 2,614 |
| Pretax return on assets | 0.9549% | 3,163 |
| Return on Equity (ROE) | 13.7800% | 1,488 |
| Retained earnings to average equity (ytd only) | 13.7797% | 498 |
| Net charge-offs to loans | -0.0265% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7553% | 2,312 |
| Assets per employee ($millions) | 13.8251% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,110 |
| Loan loss allowance to noncurrent loans | 1,077.2321% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,513 |
| Noncurrent loans to loans | 0.1192% | 3,049 |
| Net loans and leases to total assets | 32.7400% | 4,348 |
| Net loans and leases to deposits | 35.2343% | 4,387 |
| Net loans and leases to core deposits | 35.3062% | 4,415 |
| Total domestic deposits to total assets | 92.9100% | 606 |
| Equity capital to assets | 6.9608% | 3,538 |
| Core capital (leverage) ratio | 7.4892% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1745% | 482 |
| Memoranda: | ||
| Average total assets | $563,384,750 | 1,585 |
| Average earning assets | $550,382,500 | 1,509 |
| Average equity | $39,042,000 | 1,980 |
| Average total loans | $180,882,000 | 2,368 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0114% | 4,616 |
| Cost of funding earning assets | 0.0335% | 4,679 |
| Net interest margin | 1.9780% | 4,570 |
| Noninterest income to average assets | 0.5663% | 1,881 |
| Noninterest expense to average assets | 1.8355% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6641% | 3,429 |
| Return on assets (ROA) | 0.6648% | 3,378 |
| Pretax return on assets | 0.6648% | 3,669 |
| Return on Equity (ROE) | 9.6083% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.6083% | 1,115 |
| Net charge-offs to loans | -0.0437% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4311% | 1,577 |
| Assets per employee ($millions) | 15.8678% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 2,112 |
| Loan loss allowance to noncurrent loans | 688.3191% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,383 |
| Noncurrent loans to loans | 0.1913% | 2,749 |
| Net loans and leases to total assets | 30.8449% | 4,434 |
| Net loans and leases to deposits | 33.0732% | 4,468 |
| Net loans and leases to core deposits | 33.1381% | 4,503 |
| Total domestic deposits to total assets | 93.2624% | 446 |
| Equity capital to assets | 6.5519% | 3,998 |
| Core capital (leverage) ratio | 7.0703% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8980% | 545 |
| Memoranda: | ||
| Average total assets | $562,236,667 | 1,595 |
| Average earning assets | $549,556,000 | 1,523 |
| Average equity | $38,904,000 | 2,045 |
| Average total loans | $178,519,667 | 2,390 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9390% | 4,630 |
| Cost of funding earning assets | 0.0424% | 4,648 |
| Net interest margin | 1.8966% | 4,576 |
| Noninterest income to average assets | 0.6220% | 1,595 |
| Noninterest expense to average assets | 1.8348% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6410% | 3,259 |
| Return on assets (ROA) | 0.6424% | 3,237 |
| Pretax return on assets | 0.6424% | 3,528 |
| Return on Equity (ROE) | 9.0281% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.0281% | 1,263 |
| Net charge-offs to loans | -0.0818% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1111% | 1,731 |
| Assets per employee ($millions) | 14.4422% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,789 |
| Loan loss allowance to noncurrent loans | 687.4644% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,452 |
| Noncurrent loans to loans | 0.2083% | 2,780 |
| Net loans and leases to total assets | 28.7465% | 4,485 |
| Net loans and leases to deposits | 30.8516% | 4,526 |
| Net loans and leases to core deposits | 30.8913% | 4,562 |
| Total domestic deposits to total assets | 93.1768% | 230 |
| Equity capital to assets | 6.6763% | 4,355 |
| Core capital (leverage) ratio | 7.3594% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0356% | 486 |
| Memoranda: | ||
| Average total assets | $549,800,500 | 1,636 |
| Average earning assets | $537,390,000 | 1,568 |
| Average equity | $39,122,500 | 2,087 |
| Average total loans | $176,025,000 | 2,407 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3855% | 4,547 |
| Cost of funding earning assets | 0.0447% | 4,708 |
| Net interest margin | 2.3408% | 4,380 |
| Noninterest income to average assets | 0.7734% | 1,525 |
| Noninterest expense to average assets | 2.2019% | 3,080 |
| Loan and lease loss provision to assets | -0.2438% | 4,745 |
| Net operating income to assets | 1.1027% | 2,287 |
| Return on assets (ROA) | 1.1029% | 2,344 |
| Pretax return on assets | 1.1029% | 2,958 |
| Return on Equity (ROE) | 14.1423% | 1,142 |
| Retained earnings to average equity (ytd only) | 14.1423% | 291 |
| Net charge-offs to loans | -0.0016% | 3,332 |
| Credit loss provision to net charge-offs | 39,066.6667% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9383% | 1,520 |
| Assets per employee ($millions) | 13.3824% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.7175% | 4,346 |
| Net loans and leases to deposits | 37.6314% | 4,423 |
| Net loans and leases to core deposits | 37.6857% | 4,467 |
| Total domestic deposits to total assets | 92.2566% | 123 |
| Equity capital to assets | 7.6022% | 4,553 |
| Core capital (leverage) ratio | 7.6993% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3474% | 614 |
| Memoranda: | ||
| Average total assets | $480,719,000 | 1,744 |
| Average earning assets | $469,760,400 | 1,687 |
| Average equity | $37,490,400 | 2,179 |
| Average total loans | $191,557,000 | 2,296 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4143% | 4,619 |
| Cost of funding earning assets | 0.0461% | 4,796 |
| Net interest margin | 2.3682% | 4,429 |
| Noninterest income to average assets | 0.7944% | 1,541 |
| Noninterest expense to average assets | 1.9613% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1476% | 2,373 |
| Return on assets (ROA) | 1.1479% | 2,433 |
| Pretax return on assets | 1.1479% | 3,084 |
| Return on Equity (ROE) | 14.6165% | 1,219 |
| Retained earnings to average equity (ytd only) | 14.6165% | 444 |
| Net charge-offs to loans | 0.0021% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,349.6667% | 118 |
| Efficiency ratio | 63.0869% | 2,529 |
| Assets per employee ($millions) | 12.0001% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 37.6401% | 4,317 |
| Net loans and leases to deposits | 40.8557% | 4,419 |
| Net loans and leases to core deposits | 40.9167% | 4,485 |
| Total domestic deposits to total assets | 92.1294% | 101 |
| Equity capital to assets | 7.7186% | 4,645 |
| Core capital (leverage) ratio | 7.5564% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4915% | 752 |
| Memoranda: | ||
| Average total assets | $470,420,500 | 1,793 |
| Average earning assets | $459,742,500 | 1,730 |
| Average equity | $36,943,750 | 2,235 |
| Average total loans | $193,553,250 | 2,315 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4477% | 4,652 |
| Cost of funding earning assets | 0.0491% | 4,826 |
| Net interest margin | 2.3987% | 4,422 |
| Noninterest income to average assets | 0.8484% | 1,394 |
| Noninterest expense to average assets | 2.0151% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1759% | 2,275 |
| Return on assets (ROA) | 1.1759% | 2,340 |
| Pretax return on assets | 1.1759% | 2,975 |
| Return on Equity (ROE) | 14.8797% | 1,190 |
| Retained earnings to average equity (ytd only) | 14.8797% | 445 |
| Net charge-offs to loans | -0.0072% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1500% | 2,547 |
| Assets per employee ($millions) | 12.0396% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.4492% | 4,368 |
| Net loans and leases to deposits | 41.6163% | 4,469 |
| Net loans and leases to core deposits | 41.7007% | 4,525 |
| Total domestic deposits to total assets | 92.3898% | 72 |
| Equity capital to assets | 7.4516% | 4,752 |
| Core capital (leverage) ratio | 7.4924% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8837% | 826 |
| Memoranda: | ||
| Average total assets | $459,225,667 | 1,822 |
| Average earning assets | $448,497,667 | 1,764 |
| Average equity | $36,291,000 | 2,260 |
| Average total loans | $193,654,000 | 2,320 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5399% | 4,619 |
| Cost of funding earning assets | 0.0517% | 4,863 |
| Net interest margin | 2.4882% | 4,317 |
| Noninterest income to average assets | 0.7220% | 1,799 |
| Noninterest expense to average assets | 2.1165% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0321% | 2,706 |
| Return on assets (ROA) | 1.0321% | 2,785 |
| Pretax return on assets | 1.0321% | 3,286 |
| Return on Equity (ROE) | 12.6417% | 1,771 |
| Retained earnings to average equity (ytd only) | 12.6417% | 988 |
| Net charge-offs to loans | -0.0084% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2203% | 2,040 |
| Assets per employee ($millions) | 10.8102% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 768 |
| Loan loss allowance to noncurrent loans | 2,482.5175% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 3,116 |
| Noncurrent loans to loans | 0.0754% | 3,918 |
| Net loans and leases to total assets | 40.0516% | 4,337 |
| Net loans and leases to deposits | 43.4887% | 4,443 |
| Net loans and leases to core deposits | 43.6369% | 4,508 |
| Total domestic deposits to total assets | 92.0966% | 126 |
| Equity capital to assets | 7.7126% | 4,628 |
| Core capital (leverage) ratio | 8.0635% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9735% | 795 |
| Memoranda: | ||
| Average total assets | $436,007,500 | 1,880 |
| Average earning assets | $425,213,000 | 1,820 |
| Average equity | $35,596,500 | 2,280 |
| Average total loans | $191,493,000 | 2,341 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 4,171 |
| Cost of funding earning assets | 0.1382% | 4,763 |
| Net interest margin | 3.2778% | 3,130 |
| Noninterest income to average assets | 0.7156% | 1,810 |
| Noninterest expense to average assets | 2.3617% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5335% | 739 |
| Return on assets (ROA) | 1.5598% | 761 |
| Pretax return on assets | 1.5598% | 1,168 |
| Return on Equity (ROE) | 16.8446% | 426 |
| Retained earnings to average equity (ytd only) | 8.8465% | 808 |
| Net charge-offs to loans | -0.0990% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6319% | 3,368 |
| Assets per employee ($millions) | 9.6947% | 586 |
| Cash dividends to net income (ytd only)* | 47.4815% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 806 |
| Loan loss allowance to noncurrent loans | 2,462.5000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 3,104 |
| Noncurrent loans to loans | 0.0745% | 3,995 |
| Net loans and leases to total assets | 46.5928% | 4,084 |
| Net loans and leases to deposits | 51.1015% | 4,263 |
| Net loans and leases to core deposits | 51.3025% | 4,378 |
| Total domestic deposits to total assets | 91.1768% | 186 |
| Equity capital to assets | 8.6798% | 4,311 |
| Core capital (leverage) ratio | 8.4719% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,011,000 | 1,987 |
| Average earning assets | $353,106,600 | 1,927 |
| Average equity | $33,708,200 | 2,301 |
| Average total loans | $195,876,200 | 2,277 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,096 |
| Cost of funding earning assets | 0.1515% | 4,798 |
| Net interest margin | 3.4123% | 2,884 |
| Noninterest income to average assets | 0.7984% | 1,501 |
| Noninterest expense to average assets | 2.4724% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6322% | 674 |
| Return on assets (ROA) | 1.6684% | 692 |
| Pretax return on assets | 1.6684% | 1,033 |
| Return on Equity (ROE) | 17.6974% | 386 |
| Retained earnings to average equity (ytd only) | 11.7075% | 471 |
| Net charge-offs to loans | -0.1303% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2354% | 3,357 |
| Assets per employee ($millions) | 7.8079% | 1,073 |
| Cash dividends to net income (ytd only)* | 33.8462% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 768 |
| Loan loss allowance to noncurrent loans | 2,347.0199% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 2,856 |
| Noncurrent loans to loans | 0.0756% | 4,070 |
| Net loans and leases to total assets | 50.2768% | 4,086 |
| Net loans and leases to deposits | 55.4160% | 4,286 |
| Net loans and leases to core deposits | 55.6444% | 4,391 |
| Total domestic deposits to total assets | 90.7261% | 230 |
| Equity capital to assets | 9.0788% | 4,054 |
| Core capital (leverage) ratio | 8.8657% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,219,500 | 2,016 |
| Average earning assets | $342,247,250 | 1,949 |
| Average equity | $33,299,750 | 2,315 |
| Average total loans | $196,530,000 | 2,265 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 4,013 |
| Cost of funding earning assets | 0.1685% | 4,839 |
| Net interest margin | 3.5671% | 2,589 |
| Noninterest income to average assets | 0.8204% | 1,378 |
| Noninterest expense to average assets | 2.5379% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7352% | 579 |
| Return on assets (ROA) | 1.7915% | 560 |
| Pretax return on assets | 1.7915% | 826 |
| Return on Equity (ROE) | 18.7385% | 322 |
| Retained earnings to average equity (ytd only) | 9.5564% | 866 |
| Net charge-offs to loans | -0.0020% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3930% | 3,505 |
| Assets per employee ($millions) | 7.2193% | 1,314 |
| Cash dividends to net income (ytd only)* | 49.0010% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 808 |
| Loan loss allowance to noncurrent loans | 2,192.1569% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 2,963 |
| Noncurrent loans to loans | 0.0777% | 4,148 |
| Net loans and leases to total assets | 51.5570% | 4,056 |
| Net loans and leases to deposits | 56.8438% | 4,266 |
| Net loans and leases to core deposits | 57.1652% | 4,390 |
| Total domestic deposits to total assets | 90.6994% | 223 |
| Equity capital to assets | 9.0241% | 4,073 |
| Core capital (leverage) ratio | 9.0988% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,827,667 | 2,045 |
| Average earning assets | $329,906,333 | 1,976 |
| Average equity | $32,585,333 | 2,332 |
| Average total loans | $195,432,667 | 2,249 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,566 |
| Cost of funding earning assets | 0.1996% | 4,893 |
| Net interest margin | 3.8863% | 1,715 |
| Noninterest income to average assets | 0.8667% | 1,131 |
| Noninterest expense to average assets | 2.6532% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9695% | 289 |
| Return on assets (ROA) | 2.0869% | 252 |
| Pretax return on assets | 2.0869% | 380 |
| Return on Equity (ROE) | 21.1400% | 132 |
| Retained earnings to average equity (ytd only) | 11.7472% | 453 |
| Net charge-offs to loans | -0.0021% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3950% | 4,073 |
| Assets per employee ($millions) | 6.6528% | 1,262 |
| Cash dividends to net income (ytd only)* | 44.4313% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 816 |
| Loan loss allowance to noncurrent loans | 2,177.2727% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 2,923 |
| Noncurrent loans to loans | 0.0796% | 4,194 |
| Net loans and leases to total assets | 57.1214% | 3,743 |
| Net loans and leases to deposits | 63.4907% | 4,010 |
| Net loans and leases to core deposits | 63.8433% | 4,177 |
| Total domestic deposits to total assets | 89.9681% | 332 |
| Equity capital to assets | 9.8428% | 3,927 |
| Core capital (leverage) ratio | 9.7303% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,539,500 | 2,073 |
| Average earning assets | $312,688,000 | 2,013 |
| Average equity | $31,939,500 | 2,354 |
| Average total loans | $194,698,500 | 2,227 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 3,299 |
| Cost of funding earning assets | 0.2328% | 4,893 |
| Net interest margin | 4.1482% | 1,432 |
| Noninterest income to average assets | 0.8585% | 1,277 |
| Noninterest expense to average assets | 2.5552% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3058% | 185 |
| Return on assets (ROA) | 2.3239% | 189 |
| Pretax return on assets | 2.3239% | 292 |
| Return on Equity (ROE) | 24.2929% | 88 |
| Retained earnings to average equity (ytd only) | 12.3442% | 216 |
| Net charge-offs to loans | 0.0026% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,402.0000% | 62 |
| Efficiency ratio | 52.5646% | 4,565 |
| Assets per employee ($millions) | 6.6902% | 1,184 |
| Cash dividends to net income (ytd only)* | 49.1861% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 778 |
| Loan loss allowance to noncurrent loans | 295.0704% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 1,817 |
| Noncurrent loans to loans | 0.5795% | 2,447 |
| Net loans and leases to total assets | 61.2785% | 3,472 |
| Net loans and leases to deposits | 68.1438% | 3,808 |
| Net loans and leases to core deposits | 68.4940% | 4,053 |
| Total domestic deposits to total assets | 89.9253% | 346 |
| Equity capital to assets | 9.9027% | 4,007 |
| Core capital (leverage) ratio | 10.0031% | 3,515 |
| Tier 1 risk-based capital ratio | 16.0849% | 2,375 |
| Total risk-based capital ratio | 17.3405% | 2,319 |
| Memoranda: | ||
| Average total assets | $304,012,000 | 2,140 |
| Average earning assets | $293,333,800 | 2,069 |
| Average equity | $29,082,600 | 2,444 |
| Average total loans | $190,414,600 | 2,230 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 3,317 |
| Cost of funding earning assets | 0.2338% | 4,965 |
| Net interest margin | 4.1761% | 1,428 |
| Noninterest income to average assets | 0.8980% | 1,149 |
| Noninterest expense to average assets | 2.5577% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3693% | 201 |
| Return on assets (ROA) | 2.3936% | 200 |
| Pretax return on assets | 2.3936% | 307 |
| Return on Equity (ROE) | 25.2531% | 87 |
| Retained earnings to average equity (ytd only) | 15.9191% | 108 |
| Net charge-offs to loans | 0.0021% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,785.2875% | 40 |
| Efficiency ratio | 51.9124% | 4,602 |
| Assets per employee ($millions) | 6.5983% | 1,226 |
| Cash dividends to net income (ytd only)* | 36.9617% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 801 |
| Loan loss allowance to noncurrent loans | 2,096.2500% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 2,590 |
| Noncurrent loans to loans | 0.0816% | 4,278 |
| Net loans and leases to total assets | 63.5033% | 3,338 |
| Net loans and leases to deposits | 70.9986% | 3,691 |
| Net loans and leases to core deposits | 71.5484% | 3,974 |
| Total domestic deposits to total assets | 89.4430% | 464 |
| Equity capital to assets | 10.3037% | 3,726 |
| Core capital (leverage) ratio | 10.0553% | 3,587 |
| Tier 1 risk-based capital ratio | 16.1077% | 2,388 |
| Total risk-based capital ratio | 17.3635% | 2,326 |
| Memoranda: | ||
| Average total assets | $301,405,000 | 2,175 |
| Average earning assets | $290,793,500 | 2,097 |
| Average equity | $28,568,750 | 2,487 |
| Average total loans | $189,009,250 | 2,265 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 3,435 |
| Cost of funding earning assets | 0.2150% | 5,042 |
| Net interest margin | 4.1509% | 1,490 |
| Noninterest income to average assets | 0.8600% | 1,178 |
| Noninterest expense to average assets | 2.6212% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2448% | 240 |
| Return on assets (ROA) | 2.2448% | 250 |
| Pretax return on assets | 2.2448% | 406 |
| Return on Equity (ROE) | 24.3973% | 107 |
| Retained earnings to average equity (ytd only) | 14.2769% | 214 |
| Net charge-offs to loans | -0.0032% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8682% | 4,487 |
| Assets per employee ($millions) | 6.5890% | 1,197 |
| Cash dividends to net income (ytd only)* | 41.4815% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 749 |
| Loan loss allowance to noncurrent loans | 568.5279% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,192 |
| Noncurrent loans to loans | 0.3080% | 3,444 |
| Net loans and leases to total assets | 60.8779% | 3,668 |
| Net loans and leases to deposits | 67.5027% | 3,997 |
| Net loans and leases to core deposits | 68.0072% | 4,202 |
| Total domestic deposits to total assets | 90.1858% | 289 |
| Equity capital to assets | 9.5698% | 4,339 |
| Core capital (leverage) ratio | 9.4734% | 4,171 |
| Tier 1 risk-based capital ratio | 15.7552% | 2,520 |
| Total risk-based capital ratio | 17.0119% | 2,454 |
| Memoranda: | ||
| Average total assets | $300,699,000 | 2,181 |
| Average earning assets | $290,203,000 | 2,100 |
| Average equity | $27,667,000 | 2,523 |
| Average total loans | $186,645,330 | 2,289 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 3,585 |
| Cost of funding earning assets | 0.1806% | 5,156 |
| Net interest margin | 4.1133% | 1,517 |
| Noninterest income to average assets | 0.8440% | 1,180 |
| Noninterest expense to average assets | 2.6319% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1796% | 282 |
| Return on assets (ROA) | 2.1796% | 294 |
| Pretax return on assets | 2.1796% | 472 |
| Return on Equity (ROE) | 24.1956% | 116 |
| Retained earnings to average equity (ytd only) | 9.2045% | 1,249 |
| Net charge-offs to loans | -0.0065% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7011% | 4,468 |
| Assets per employee ($millions) | 6.0272% | 1,523 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 732 |
| Loan loss allowance to noncurrent loans | 568.5279% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,223 |
| Noncurrent loans to loans | 0.3136% | 3,444 |
| Net loans and leases to total assets | 60.2161% | 3,686 |
| Net loans and leases to deposits | 66.3201% | 4,030 |
| Net loans and leases to core deposits | 66.7426% | 4,248 |
| Total domestic deposits to total assets | 90.7963% | 210 |
| Equity capital to assets | 8.9262% | 4,735 |
| Core capital (leverage) ratio | 9.5529% | 4,069 |
| Tier 1 risk-based capital ratio | 15.1987% | 2,793 |
| Total risk-based capital ratio | 16.4553% | 2,699 |
| Memoranda: | ||
| Average total assets | $296,206,500 | 2,218 |
| Average earning assets | $285,706,500 | 2,141 |
| Average equity | $26,682,500 | 2,595 |
| Average total loans | $184,023,500 | 2,325 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 3,550 |
| Cost of funding earning assets | 0.0635% | 5,350 |
| Net interest margin | 4.0974% | 1,684 |
| Noninterest income to average assets | 0.9293% | 1,108 |
| Noninterest expense to average assets | 2.5313% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3246% | 208 |
| Return on assets (ROA) | 2.1739% | 256 |
| Pretax return on assets | 2.1739% | 376 |
| Return on Equity (ROE) | 25.0903% | 90 |
| Retained earnings to average equity (ytd only) | 8.0221% | 1,225 |
| Net charge-offs to loans | -0.0011% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9809% | 4,876 |
| Assets per employee ($millions) | 5.4813% | 1,974 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 606 |
| Loan loss allowance to noncurrent loans | 568.0203% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,058 |
| Noncurrent loans to loans | 0.3291% | 3,373 |
| Net loans and leases to total assets | 61.8306% | 3,585 |
| Net loans and leases to deposits | 68.1456% | 3,969 |
| Net loans and leases to core deposits | 68.1456% | 4,228 |
| Total domestic deposits to total assets | 90.7332% | 264 |
| Equity capital to assets | 9.0963% | 4,492 |
| Core capital (leverage) ratio | 9.5763% | 4,034 |
| Tier 1 risk-based capital ratio | 15.6492% | 2,556 |
| Total risk-based capital ratio | 16.9070% | 2,476 |
| Memoranda: | ||
| Average total assets | $290,763,600 | 2,204 |
| Average earning assets | $278,640,200 | 2,146 |
| Average equity | $25,193,000 | 2,635 |
| Average total loans | $174,071,800 | 2,393 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,612 |
| Cost of funding earning assets | 0.0553% | 5,426 |
| Net interest margin | 4.0522% | 1,783 |
| Noninterest income to average assets | 0.9582% | 1,039 |
| Noninterest expense to average assets | 2.5452% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2915% | 233 |
| Return on assets (ROA) | 2.2915% | 232 |
| Pretax return on assets | 2.2915% | 346 |
| Return on Equity (ROE) | 26.7731% | 59 |
| Retained earnings to average equity (ytd only) | 11.8459% | 502 |
| Net charge-offs to loans | -0.0039% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5094% | 4,853 |
| Assets per employee ($millions) | 5.7432% | 1,696 |
| Cash dividends to net income (ytd only)* | 55.7547% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 586 |
| Loan loss allowance to noncurrent loans | 568.5279% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 2,208 |
| Noncurrent loans to loans | 0.3347% | 3,467 |
| Net loans and leases to total assets | 60.3279% | 3,811 |
| Net loans and leases to deposits | 66.3002% | 4,175 |
| Net loans and leases to core deposits | 66.3002% | 4,395 |
| Total domestic deposits to total assets | 90.9921% | 224 |
| Equity capital to assets | 8.7600% | 4,752 |
| Core capital (leverage) ratio | 9.3499% | 4,336 |
| Tier 1 risk-based capital ratio | 16.0062% | 2,449 |
| Total risk-based capital ratio | 17.2644% | 2,382 |
| Memoranda: | ||
| Average total assets | $292,197,750 | 2,206 |
| Average earning assets | $279,678,500 | 2,145 |
| Average equity | $25,009,500 | 2,660 |
| Average total loans | $172,692,000 | 2,422 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,747 |
| Cost of funding earning assets | 0.0478% | 5,492 |
| Net interest margin | 3.9661% | 1,979 |
| Noninterest income to average assets | 0.8711% | 1,269 |
| Noninterest expense to average assets | 2.5358% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1213% | 299 |
| Return on assets (ROA) | 2.1213% | 291 |
| Pretax return on assets | 2.1213% | 465 |
| Return on Equity (ROE) | 24.9750% | 83 |
| Retained earnings to average equity (ytd only) | 22.5712% | 40 |
| Net charge-offs to loans | -0.0023% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2953% | 4,756 |
| Assets per employee ($millions) | 5.8155% | 1,625 |
| Cash dividends to net income (ytd only)* | 9.6246% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 614 |
| Loan loss allowance to noncurrent loans | 525.3521% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 2,378 |
| Noncurrent loans to loans | 0.3652% | 3,385 |
| Net loans and leases to total assets | 57.8604% | 4,002 |
| Net loans and leases to deposits | 63.6435% | 4,301 |
| Net loans and leases to core deposits | 63.6435% | 4,511 |
| Total domestic deposits to total assets | 90.9133% | 270 |
| Equity capital to assets | 8.7859% | 4,730 |
| Core capital (leverage) ratio | 9.1235% | 4,549 |
| Tier 1 risk-based capital ratio | 16.2144% | 2,362 |
| Total risk-based capital ratio | 17.4724% | 2,303 |
| Memoranda: | ||
| Average total assets | $293,877,330 | 2,208 |
| Average earning assets | $280,529,000 | 2,154 |
| Average equity | $24,961,000 | 2,666 |
| Average total loans | $171,390,330 | 2,443 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 3,835 |
| Cost of funding earning assets | 0.0488% | 5,557 |
| Net interest margin | 3.8847% | 2,107 |
| Noninterest income to average assets | 0.8916% | 1,170 |
| Noninterest expense to average assets | 2.5557% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0347% | 344 |
| Return on assets (ROA) | 2.0347% | 345 |
| Pretax return on assets | 2.0347% | 533 |
| Return on Equity (ROE) | 24.3810% | 94 |
| Retained earnings to average equity (ytd only) | 19.4654% | 112 |
| Net charge-offs to loans | 0.0094% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 182 |
| Efficiency ratio | 54.5130% | 4,745 |
| Assets per employee ($millions) | 6.1799% | 1,376 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 590 |
| Loan loss allowance to noncurrent loans | 524.4131% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,928 |
| Noncurrent loans to loans | 0.3731% | 3,442 |
| Net loans and leases to total assets | 55.4525% | 4,161 |
| Net loans and leases to deposits | 60.5537% | 4,433 |
| Net loans and leases to core deposits | 60.5537% | 4,626 |
| Total domestic deposits to total assets | 91.5757% | 175 |
| Equity capital to assets | 8.1465% | 5,208 |
| Core capital (leverage) ratio | 9.0526% | 4,623 |
| Tier 1 risk-based capital ratio | 15.6196% | 2,622 |
| Total risk-based capital ratio | 16.8784% | 2,563 |
| Memoranda: | ||
| Average total assets | $292,522,000 | 2,239 |
| Average earning assets | $278,532,000 | 2,192 |
| Average equity | $24,412,500 | 2,731 |
| Average total loans | $169,603,500 | 2,476 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 3,447 |
| Cost of funding earning assets | 0.0477% | 5,619 |
| Net interest margin | 3.9389% | 1,958 |
| Noninterest income to average assets | 0.7590% | 1,741 |
| Noninterest expense to average assets | 2.5227% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9890% | 289 |
| Return on assets (ROA) | 1.9893% | 292 |
| Pretax return on assets | 1.9893% | 505 |
| Return on Equity (ROE) | 23.3630% | 88 |
| Retained earnings to average equity (ytd only) | 10.1995% | 326 |
| Net charge-offs to loans | -0.1120% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6399% | 4,895 |
| Assets per employee ($millions) | 5.5339% | 1,899 |
| Cash dividends to net income (ytd only)* | 56.3432% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 545 |
| Loan loss allowance to noncurrent loans | 525.0391% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 1,572 |
| Noncurrent loans to loans | 0.3805% | 3,393 |
| Net loans and leases to total assets | 58.3153% | 3,982 |
| Net loans and leases to deposits | 63.9300% | 4,320 |
| Net loans and leases to core deposits | 63.9300% | 4,536 |
| Total domestic deposits to total assets | 91.2174% | 192 |
| Equity capital to assets | 8.5590% | 5,077 |
| Core capital (leverage) ratio | 9.1282% | 4,488 |
| Tier 1 risk-based capital ratio | 15.1169% | 2,788 |
| Total risk-based capital ratio | 16.3761% | 2,719 |
| Memoranda: | ||
| Average total assets | $273,004,200 | 2,328 |
| Average earning assets | $260,098,800 | 2,283 |
| Average equity | $23,246,200 | 2,831 |
| Average total loans | $166,907,000 | 2,458 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,403 |
| Cost of funding earning assets | 0.0486% | 5,684 |
| Net interest margin | 3.9366% | 1,907 |
| Noninterest income to average assets | 0.7693% | 1,705 |
| Noninterest expense to average assets | 2.5977% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9244% | 365 |
| Return on assets (ROA) | 1.9249% | 371 |
| Pretax return on assets | 1.9249% | 648 |
| Return on Equity (ROE) | 22.6361% | 115 |
| Retained earnings to average equity (ytd only) | 11.2833% | 374 |
| Net charge-offs to loans | -0.1472% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1595% | 4,720 |
| Assets per employee ($millions) | 5.2291% | 2,196 |
| Cash dividends to net income (ytd only)* | 50.1535% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 581 |
| Loan loss allowance to noncurrent loans | 524.5696% | 993 |
| Noncurrent assets plus other real estate owned to assets | 1.0422% | 1,620 |
| Noncurrent loans to loans | 0.3790% | 3,591 |
| Net loans and leases to total assets | 60.7764% | 3,785 |
| Net loans and leases to deposits | 67.0017% | 4,183 |
| Net loans and leases to core deposits | 67.0017% | 4,420 |
| Total domestic deposits to total assets | 90.7088% | 256 |
| Equity capital to assets | 8.9109% | 4,988 |
| Core capital (leverage) ratio | 9.0600% | 4,673 |
| Tier 1 risk-based capital ratio | 14.9481% | 2,942 |
| Total risk-based capital ratio | 16.2076% | 2,863 |
| Memoranda: | ||
| Average total assets | $270,698,250 | 2,362 |
| Average earning assets | $258,053,500 | 2,310 |
| Average equity | $23,018,750 | 2,874 |
| Average total loans | $166,649,500 | 2,472 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,372 |
| Cost of funding earning assets | 0.0481% | 5,724 |
| Net interest margin | 3.9024% | 1,920 |
| Noninterest income to average assets | 0.7755% | 1,661 |
| Noninterest expense to average assets | 2.6571% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8410% | 418 |
| Return on assets (ROA) | 1.8417% | 431 |
| Pretax return on assets | 1.8417% | 761 |
| Return on Equity (ROE) | 22.0119% | 139 |
| Retained earnings to average equity (ytd only) | 13.5220% | 221 |
| Net charge-offs to loans | -0.1205% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7727% | 4,627 |
| Assets per employee ($millions) | 5.2208% | 2,136 |
| Cash dividends to net income (ytd only)* | 38.5697% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 668 |
| Loan loss allowance to noncurrent loans | 235.2772% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 1,623 |
| Noncurrent loans to loans | 0.8252% | 2,337 |
| Net loans and leases to total assets | 60.7963% | 3,761 |
| Net loans and leases to deposits | 66.9418% | 4,150 |
| Net loans and leases to core deposits | 67.0909% | 4,412 |
| Total domestic deposits to total assets | 90.8196% | 266 |
| Equity capital to assets | 8.8091% | 5,061 |
| Core capital (leverage) ratio | 8.6428% | 5,096 |
| Tier 1 risk-based capital ratio | 14.6830% | 3,075 |
| Total risk-based capital ratio | 15.9419% | 2,989 |
| Memoranda: | ||
| Average total assets | $270,293,330 | 2,372 |
| Average earning assets | $257,840,330 | 2,319 |
| Average equity | $22,615,000 | 2,919 |
| Average total loans | $165,995,670 | 2,486 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,515 |
| Cost of funding earning assets | 0.0451% | 5,796 |
| Net interest margin | 3.8228% | 2,036 |
| Noninterest income to average assets | 0.7757% | 1,637 |
| Noninterest expense to average assets | 2.6355% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7857% | 460 |
| Return on assets (ROA) | 1.7857% | 473 |
| Pretax return on assets | 1.7857% | 827 |
| Return on Equity (ROE) | 21.9258% | 152 |
| Retained earnings to average equity (ytd only) | 9.9067% | 830 |
| Net charge-offs to loans | -0.0146% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3026% | 4,682 |
| Assets per employee ($millions) | 5.3923% | 1,990 |
| Cash dividends to net income (ytd only)* | 54.8173% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 797 |
| Loan loss allowance to noncurrent loans | 228.5097% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 1,739 |
| Noncurrent loans to loans | 0.8281% | 2,383 |
| Net loans and leases to total assets | 58.6900% | 3,915 |
| Net loans and leases to deposits | 63.9982% | 4,311 |
| Net loans and leases to core deposits | 64.1349% | 4,524 |
| Total domestic deposits to total assets | 91.7057% | 144 |
| Equity capital to assets | 7.9958% | 5,519 |
| Core capital (leverage) ratio | 8.7711% | 4,984 |
| Tier 1 risk-based capital ratio | 14.1372% | 3,392 |
| Total risk-based capital ratio | 15.3955% | 3,307 |
| Memoranda: | ||
| Average total assets | $269,699,000 | 2,401 |
| Average earning assets | $257,195,000 | 2,331 |
| Average equity | $21,965,000 | 2,988 |
| Average total loans | $164,834,000 | 2,512 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 4,079 |
| Cost of funding earning assets | 0.0762% | 5,787 |
| Net interest margin | 3.6674% | 2,830 |
| Noninterest income to average assets | 0.7484% | 1,960 |
| Noninterest expense to average assets | 2.6370% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6146% | 654 |
| Return on assets (ROA) | 1.6237% | 671 |
| Pretax return on assets | 1.6237% | 1,210 |
| Return on Equity (ROE) | 18.7697% | 276 |
| Retained earnings to average equity (ytd only) | 7.7419% | 945 |
| Net charge-offs to loans | 0.1315% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.8367% | 1,833 |
| Efficiency ratio | 60.5635% | 4,495 |
| Assets per employee ($millions) | 4.9808% | 2,419 |
| Cash dividends to net income (ytd only)* | 58.7533% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 720 |
| Loan loss allowance to noncurrent loans | 227.9137% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.1297% | 1,637 |
| Noncurrent loans to loans | 0.8584% | 2,385 |
| Net loans and leases to total assets | 61.2974% | 3,687 |
| Net loans and leases to deposits | 67.0342% | 4,170 |
| Net loans and leases to core deposits | 67.1893% | 4,453 |
| Total domestic deposits to total assets | 91.4421% | 170 |
| Equity capital to assets | 8.3050% | 5,415 |
| Core capital (leverage) ratio | 8.9015% | 4,851 |
| Tier 1 risk-based capital ratio | 14.1688% | 3,369 |
| Total risk-based capital ratio | 15.4271% | 3,290 |
| Memoranda: | ||
| Average total assets | $252,934,400 | 2,481 |
| Average earning assets | $241,615,400 | 2,422 |
| Average equity | $21,881,000 | 2,996 |
| Average total loans | $149,081,400 | 2,656 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,313 |
| Cost of funding earning assets | 0.0854% | 5,826 |
| Net interest margin | 3.5963% | 3,086 |
| Noninterest income to average assets | 0.7992% | 1,769 |
| Noninterest expense to average assets | 2.6351% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6026% | 727 |
| Return on assets (ROA) | 1.6424% | 704 |
| Pretax return on assets | 1.6424% | 1,270 |
| Return on Equity (ROE) | 18.7916% | 312 |
| Retained earnings to average equity (ytd only) | 9.0045% | 818 |
| Net charge-offs to loans | 0.0521% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 53.0162% | 1,031 |
| Efficiency ratio | 60.7058% | 4,440 |
| Assets per employee ($millions) | 4.8895% | 2,507 |
| Cash dividends to net income (ytd only)* | 52.0826% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0917% | 612 |
| Loan loss allowance to noncurrent loans | 159.5273% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 2,125 |
| Noncurrent loans to loans | 1.3112% | 1,693 |
| Net loans and leases to total assets | 59.7333% | 3,912 |
| Net loans and leases to deposits | 65.7945% | 4,366 |
| Net loans and leases to core deposits | 65.9478% | 4,611 |
| Total domestic deposits to total assets | 90.7877% | 246 |
| Equity capital to assets | 8.8824% | 5,256 |
| Core capital (leverage) ratio | 8.8017% | 5,051 |
| Tier 1 risk-based capital ratio | 14.4814% | 3,295 |
| Total risk-based capital ratio | 15.7416% | 3,223 |
| Memoranda: | ||
| Average total assets | $251,417,750 | 2,500 |
| Average earning assets | $240,390,750 | 2,438 |
| Average equity | $21,973,750 | 3,009 |
| Average total loans | $145,869,500 | 2,696 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 4,509 |
| Cost of funding earning assets | 0.0968% | 5,865 |
| Net interest margin | 3.5324% | 3,361 |
| Noninterest income to average assets | 0.8198% | 1,642 |
| Noninterest expense to average assets | 2.6547% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5391% | 832 |
| Return on assets (ROA) | 1.5833% | 793 |
| Pretax return on assets | 1.5833% | 1,419 |
| Return on Equity (ROE) | 18.2191% | 343 |
| Retained earnings to average equity (ytd only) | 8.8506% | 890 |
| Net charge-offs to loans | 0.0733% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 36.8269% | 1,219 |
| Efficiency ratio | 61.7861% | 4,375 |
| Assets per employee ($millions) | 4.8921% | 2,425 |
| Cash dividends to net income (ytd only)* | 51.4213% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 490 |
| Loan loss allowance to noncurrent loans | 154.4056% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 2,083 |
| Noncurrent loans to loans | 1.4761% | 1,488 |
| Net loans and leases to total assets | 55.8202% | 4,330 |
| Net loans and leases to deposits | 61.3995% | 4,703 |
| Net loans and leases to core deposits | 61.6166% | 4,904 |
| Total domestic deposits to total assets | 90.9132% | 206 |
| Equity capital to assets | 8.7873% | 5,412 |
| Core capital (leverage) ratio | 8.5114% | 5,358 |
| Tier 1 risk-based capital ratio | 15.2269% | 2,973 |
| Total risk-based capital ratio | 16.4896% | 2,907 |
| Memoranda: | ||
| Average total assets | $248,843,000 | 2,540 |
| Average earning assets | $237,688,330 | 2,474 |
| Average equity | $21,625,670 | 3,046 |
| Average total loans | $141,792,330 | 2,753 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 4,558 |
| Cost of funding earning assets | 0.1022% | 5,906 |
| Net interest margin | 3.5206% | 3,392 |
| Noninterest income to average assets | 0.7770% | 1,705 |
| Noninterest expense to average assets | 2.6399% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4971% | 858 |
| Return on assets (ROA) | 1.5410% | 832 |
| Pretax return on assets | 1.5410% | 1,464 |
| Return on Equity (ROE) | 17.8351% | 371 |
| Retained earnings to average equity (ytd only) | 2.7844% | 4,120 |
| Net charge-offs to loans | -0.0371% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2790% | 4,410 |
| Assets per employee ($millions) | 4.7384% | 2,688 |
| Cash dividends to net income (ytd only)* | 84.3882% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3808% | 455 |
| Loan loss allowance to noncurrent loans | 117.7065% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 1,659 |
| Noncurrent loans to loans | 2.0226% | 1,050 |
| Net loans and leases to total assets | 54.1163% | 4,439 |
| Net loans and leases to deposits | 59.4801% | 4,754 |
| Net loans and leases to core deposits | 59.6885% | 4,958 |
| Total domestic deposits to total assets | 90.9822% | 282 |
| Equity capital to assets | 8.4116% | 5,627 |
| Core capital (leverage) ratio | 8.6375% | 5,254 |
| Tier 1 risk-based capital ratio | 15.0033% | 3,156 |
| Total risk-based capital ratio | 16.2668% | 3,085 |
| Memoranda: | ||
| Average total assets | $246,069,500 | 2,570 |
| Average earning assets | $234,846,500 | 2,508 |
| Average equity | $21,261,500 | 3,081 |
| Average total loans | $140,032,000 | 2,783 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 4,340 |
| Cost of funding earning assets | 0.1073% | 5,932 |
| Net interest margin | 3.6044% | 3,120 |
| Noninterest income to average assets | 0.7257% | 2,086 |
| Noninterest expense to average assets | 2.6738% | 3,677 |
| Loan and lease loss provision to assets | 0.0264% | 3,863 |
| Net operating income to assets | 1.4444% | 957 |
| Return on assets (ROA) | 1.4647% | 955 |
| Pretax return on assets | 1.4647% | 1,669 |
| Return on Equity (ROE) | 16.4535% | 514 |
| Retained earnings to average equity (ytd only) | 10.5136% | 394 |
| Net charge-offs to loans | 0.0467% | 3,286 |
| Credit loss provision to net charge-offs | 96.7742% | 2,618 |
| Earnings coverage of net charge-offs (x) | 53.8387% | 952 |
| Efficiency ratio | 62.8429% | 4,470 |
| Assets per employee ($millions) | 4.6327% | 2,845 |
| Cash dividends to net income (ytd only)* | 36.1011% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 437 |
| Loan loss allowance to noncurrent loans | 221.3158% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 2,259 |
| Noncurrent loans to loans | 1.0997% | 2,139 |
| Net loans and leases to total assets | 57.0772% | 4,190 |
| Net loans and leases to deposits | 62.8265% | 4,560 |
| Net loans and leases to core deposits | 63.0648% | 4,795 |
| Total domestic deposits to total assets | 90.8489% | 320 |
| Equity capital to assets | 8.8883% | 5,234 |
| Core capital (leverage) ratio | 9.0914% | 4,763 |
| Tier 1 risk-based capital ratio | 15.4998% | 2,931 |
| Total risk-based capital ratio | 16.7642% | 2,861 |
| Memoranda: | ||
| Average total assets | $226,941,400 | 2,690 |
| Average earning assets | $215,266,200 | 2,634 |
| Average equity | $20,202,400 | 3,154 |
| Average total loans | $132,788,200 | 2,847 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,366 |
| Cost of funding earning assets | 0.1078% | 6,031 |
| Net interest margin | 3.6105% | 3,119 |
| Noninterest income to average assets | 0.7123% | 2,176 |
| Noninterest expense to average assets | 2.7062% | 3,542 |
| Loan and lease loss provision to assets | 0.0356% | 3,506 |
| Net operating income to assets | 1.3914% | 1,127 |
| Return on assets (ROA) | 1.4080% | 1,134 |
| Pretax return on assets | 1.4080% | 1,983 |
| Return on Equity (ROE) | 15.8106% | 621 |
| Retained earnings to average equity (ytd only) | 12.4778% | 315 |
| Net charge-offs to loans | 0.0862% | 2,314 |
| Credit loss provision to net charge-offs | 70.5882% | 2,754 |
| Earnings coverage of net charge-offs (x) | 28.2824% | 1,546 |
| Efficiency ratio | 63.7800% | 4,290 |
| Assets per employee ($millions) | 4.4776% | 3,049 |
| Cash dividends to net income (ytd only)* | 21.0792% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4742% | 447 |
| Loan loss allowance to noncurrent loans | 212.2618% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 2,312 |
| Noncurrent loans to loans | 1.1657% | 2,191 |
| Net loans and leases to total assets | 57.6685% | 4,179 |
| Net loans and leases to deposits | 63.7455% | 4,578 |
| Net loans and leases to core deposits | 64.0780% | 4,812 |
| Total domestic deposits to total assets | 90.4667% | 398 |
| Equity capital to assets | 9.1904% | 5,128 |
| Core capital (leverage) ratio | 9.1787% | 4,763 |
| Tier 1 risk-based capital ratio | 15.5865% | 3,009 |
| Total risk-based capital ratio | 16.8519% | 2,923 |
| Memoranda: | ||
| Average total assets | $224,610,250 | 2,728 |
| Average earning assets | $212,818,500 | 2,670 |
| Average equity | $20,003,000 | 3,199 |
| Average total loans | $131,430,750 | 2,879 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,326 |
| Cost of funding earning assets | 0.1070% | 6,108 |
| Net interest margin | 3.6205% | 3,012 |
| Noninterest income to average assets | 0.8560% | 1,586 |
| Noninterest expense to average assets | 2.9298% | 2,790 |
| Loan and lease loss provision to assets | 0.0537% | 3,045 |
| Net operating income to assets | 1.2974% | 1,328 |
| Return on assets (ROA) | 1.2974% | 1,390 |
| Pretax return on assets | 1.2974% | 2,373 |
| Return on Equity (ROE) | 14.7294% | 777 |
| Retained earnings to average equity (ytd only) | 14.7294% | 204 |
| Net charge-offs to loans | -0.0169% | 5,111 |
| Credit loss provision to net charge-offs | -545.4545% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7852% | 3,869 |
| Assets per employee ($millions) | 4.4589% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6139% | 424 |
| Loan loss allowance to noncurrent loans | 168.8114% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 2,049 |
| Noncurrent loans to loans | 1.5484% | 1,708 |
| Net loans and leases to total assets | 56.3110% | 4,308 |
| Net loans and leases to deposits | 62.0487% | 4,699 |
| Net loans and leases to core deposits | 62.3718% | 4,915 |
| Total domestic deposits to total assets | 90.7530% | 374 |
| Equity capital to assets | 8.9163% | 5,324 |
| Core capital (leverage) ratio | 8.8907% | 5,106 |
| Tier 1 risk-based capital ratio | 15.6600% | 3,014 |
| Total risk-based capital ratio | 16.9265% | 2,966 |
| Memoranda: | ||
| Average total assets | $223,361,330 | 2,760 |
| Average earning assets | $211,294,000 | 2,703 |
| Average equity | $19,675,000 | 3,246 |
| Average total loans | $130,230,670 | 2,908 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,407 |
| Cost of funding earning assets | 0.1072% | 6,177 |
| Net interest margin | 3.5820% | 3,073 |
| Noninterest income to average assets | 0.5801% | 2,775 |
| Noninterest expense to average assets | 3.0830% | 2,322 |
| Loan and lease loss provision to assets | 0.1084% | 1,896 |
| Net operating income to assets | 0.7717% | 3,409 |
| Return on assets (ROA) | 0.7717% | 3,549 |
| Pretax return on assets | 0.7717% | 4,342 |
| Return on Equity (ROE) | 8.8157% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.8157% | 1,264 |
| Net charge-offs to loans | -0.2685% | 6,121 |
| Credit loss provision to net charge-offs | -68.9655% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0146% | 2,509 |
| Assets per employee ($millions) | 4.3925% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7006% | 407 |
| Loan loss allowance to noncurrent loans | 144.2710% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.7022% | 1,469 |
| Noncurrent loans to loans | 1.8719% | 1,434 |
| Net loans and leases to total assets | 55.4127% | 4,272 |
| Net loans and leases to deposits | 60.8917% | 4,675 |
| Net loans and leases to core deposits | 61.2062% | 4,895 |
| Total domestic deposits to total assets | 91.0021% | 364 |
| Equity capital to assets | 8.6490% | 5,612 |
| Core capital (leverage) ratio | 8.8537% | 5,134 |
| Tier 1 risk-based capital ratio | 15.1707% | 3,337 |
| Total risk-based capital ratio | 16.4391% | 3,245 |
| Memoranda: | ||
| Average total assets | $221,340,500 | 2,795 |
| Average earning assets | $209,045,000 | 2,739 |
| Average equity | $19,374,500 | 3,305 |
| Average total loans | $129,601,000 | 2,917 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,644 |
| Cost of funding earning assets | 0.1162% | 6,267 |
| Net interest margin | 3.6336% | 3,277 |
| Noninterest income to average assets | 0.7533% | 2,061 |
| Noninterest expense to average assets | 2.8480% | 3,313 |
| Loan and lease loss provision to assets | 0.2097% | 1,192 |
| Net operating income to assets | 1.0951% | 1,991 |
| Return on assets (ROA) | 1.0995% | 2,032 |
| Pretax return on assets | 1.0995% | 3,085 |
| Return on Equity (ROE) | 12.2542% | 1,338 |
| Retained earnings to average equity (ytd only) | 3.5594% | 3,698 |
| Net charge-offs to loans | 0.7298% | 499 |
| Credit loss provision to net charge-offs | 49.3119% | 3,499 |
| Earnings coverage of net charge-offs (x) | 3.0688% | 3,984 |
| Efficiency ratio | 66.7371% | 4,102 |
| Assets per employee ($millions) | 4.2855% | 3,384 |
| Cash dividends to net income (ytd only)* | 70.9534% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6068% | 482 |
| Loan loss allowance to noncurrent loans | 125.5502% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 2.0390% | 1,237 |
| Noncurrent loans to loans | 2.0763% | 1,316 |
| Net loans and leases to total assets | 58.6896% | 3,964 |
| Net loans and leases to deposits | 64.6398% | 4,459 |
| Net loans and leases to core deposits | 64.9956% | 4,757 |
| Total domestic deposits to total assets | 90.7949% | 432 |
| Equity capital to assets | 8.8644% | 5,415 |
| Core capital (leverage) ratio | 9.0673% | 4,876 |
| Tier 1 risk-based capital ratio | 14.3461% | 3,866 |
| Total risk-based capital ratio | 15.6126% | 3,792 |
| Memoranda: | ||
| Average total assets | $205,089,000 | 2,931 |
| Average earning assets | $191,874,600 | 2,889 |
| Average equity | $18,401,800 | 3,358 |
| Average total loans | $119,491,000 | 3,054 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 4,741 |
| Cost of funding earning assets | 0.1183% | 6,344 |
| Net interest margin | 3.6209% | 3,345 |
| Noninterest income to average assets | 0.8468% | 1,713 |
| Noninterest expense to average assets | 2.8843% | 3,179 |
| Loan and lease loss provision to assets | 0.2728% | 763 |
| Net operating income to assets | 1.0717% | 2,149 |
| Return on assets (ROA) | 1.0789% | 2,181 |
| Pretax return on assets | 1.0789% | 3,271 |
| Return on Equity (ROE) | 11.9863% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.6038% | 1,532 |
| Net charge-offs to loans | 0.2870% | 1,373 |
| Credit loss provision to net charge-offs | 164.6825% | 1,487 |
| Earnings coverage of net charge-offs (x) | 8.1151% | 2,852 |
| Efficiency ratio | 66.3713% | 4,164 |
| Assets per employee ($millions) | 4.3040% | 3,293 |
| Cash dividends to net income (ytd only)* | 36.5630% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3164% | 264 |
| Loan loss allowance to noncurrent loans | 116.6226% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 2.2962% | 1,187 |
| Noncurrent loans to loans | 2.8437% | 964 |
| Net loans and leases to total assets | 57.2296% | 4,179 |
| Net loans and leases to deposits | 63.4554% | 4,597 |
| Net loans and leases to core deposits | 63.9189% | 4,883 |
| Total domestic deposits to total assets | 90.1887% | 647 |
| Equity capital to assets | 9.3916% | 4,938 |
| Core capital (leverage) ratio | 9.1888% | 4,807 |
| Tier 1 risk-based capital ratio | 15.7035% | 3,210 |
| Total risk-based capital ratio | 16.9789% | 3,135 |
| Memoranda: | ||
| Average total assets | $202,793,000 | 2,981 |
| Average earning assets | $189,415,500 | 2,939 |
| Average equity | $18,253,750 | 3,388 |
| Average total loans | $117,083,250 | 3,120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,975 |
| Cost of funding earning assets | 0.1194% | 6,413 |
| Net interest margin | 3.5420% | 3,606 |
| Noninterest income to average assets | 0.8563% | 1,631 |
| Noninterest expense to average assets | 2.8419% | 3,366 |
| Loan and lease loss provision to assets | 0.3794% | 454 |
| Net operating income to assets | 0.9371% | 2,614 |
| Return on assets (ROA) | 0.9371% | 2,721 |
| Pretax return on assets | 0.9371% | 3,735 |
| Return on Equity (ROE) | 10.5633% | 1,914 |
| Retained earnings to average equity (ytd only) | 9.4526% | 848 |
| Net charge-offs to loans | 0.5818% | 695 |
| Credit loss provision to net charge-offs | 113.9053% | 1,772 |
| Earnings coverage of net charge-offs (x) | 3.9527% | 3,198 |
| Efficiency ratio | 66.4692% | 4,292 |
| Assets per employee ($millions) | 4.4830% | 2,944 |
| Cash dividends to net income (ytd only)* | 10.5152% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2906% | 277 |
| Loan loss allowance to noncurrent loans | 116.1494% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 1,082 |
| Noncurrent loans to loans | 2.8331% | 1,061 |
| Net loans and leases to total assets | 53.7712% | 4,568 |
| Net loans and leases to deposits | 59.2796% | 4,926 |
| Net loans and leases to core deposits | 59.7709% | 5,143 |
| Total domestic deposits to total assets | 90.7077% | 505 |
| Equity capital to assets | 8.9226% | 5,385 |
| Core capital (leverage) ratio | 8.7957% | 5,275 |
| Tier 1 risk-based capital ratio | 15.6484% | 3,270 |
| Total risk-based capital ratio | 16.9232% | 3,200 |
| Memoranda: | ||
| Average total assets | $202,961,670 | 2,998 |
| Average earning assets | $189,213,330 | 2,964 |
| Average equity | $18,005,670 | 3,416 |
| Average total loans | $116,198,000 | 3,134 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 4,980 |
| Cost of funding earning assets | 0.1211% | 6,492 |
| Net interest margin | 3.5373% | 3,535 |
| Noninterest income to average assets | 0.7816% | 1,836 |
| Noninterest expense to average assets | 2.9534% | 3,038 |
| Loan and lease loss provision to assets | 0.3817% | 444 |
| Net operating income to assets | 0.7333% | 3,527 |
| Return on assets (ROA) | 0.7333% | 3,606 |
| Pretax return on assets | 0.7333% | 4,374 |
| Return on Equity (ROE) | 8.2915% | 2,803 |
| Retained earnings to average equity (ytd only) | 6.0198% | 2,529 |
| Net charge-offs to loans | 0.4908% | 749 |
| Credit loss provision to net charge-offs | 133.8028% | 1,355 |
| Earnings coverage of net charge-offs (x) | 3.9085% | 2,603 |
| Efficiency ratio | 70.6667% | 3,712 |
| Assets per employee ($millions) | 4.3128% | 3,317 |
| Cash dividends to net income (ytd only)* | 27.3973% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3317% | 307 |
| Loan loss allowance to noncurrent loans | 111.9303% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 2.8611% | 1,024 |
| Noncurrent loans to loans | 2.9766% | 1,068 |
| Net loans and leases to total assets | 54.0449% | 4,411 |
| Net loans and leases to deposits | 59.4261% | 4,813 |
| Net loans and leases to core deposits | 59.9570% | 5,041 |
| Total domestic deposits to total assets | 90.9446% | 591 |
| Equity capital to assets | 8.6462% | 5,500 |
| Core capital (leverage) ratio | 9.0091% | 4,998 |
| Tier 1 risk-based capital ratio | 15.2620% | 3,570 |
| Total risk-based capital ratio | 16.5365% | 3,506 |
| Memoranda: | ||
| Average total assets | $199,091,500 | 3,064 |
| Average earning assets | $184,997,500 | 3,035 |
| Average equity | $17,608,500 | 3,466 |
| Average total loans | $115,721,000 | 3,159 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,802 |
| Cost of funding earning assets | 0.1288% | 6,610 |
| Net interest margin | 3.6755% | 3,151 |
| Noninterest income to average assets | 0.7928% | 2,109 |
| Noninterest expense to average assets | 2.8357% | 3,594 |
| Loan and lease loss provision to assets | 0.4239% | 700 |
| Net operating income to assets | 0.9534% | 2,557 |
| Return on assets (ROA) | 0.9199% | 2,766 |
| Pretax return on assets | 0.9199% | 3,679 |
| Return on Equity (ROE) | 9.9305% | 2,147 |
| Retained earnings to average equity (ytd only) | 4.8466% | 2,701 |
| Net charge-offs to loans | 3.5693% | 50 |
| Credit loss provision to net charge-offs | 19.0364% | 4,462 |
| Earnings coverage of net charge-offs (x) | 0.6186% | 4,876 |
| Efficiency ratio | 65.3583% | 4,679 |
| Assets per employee ($millions) | 3.9827% | 3,895 |
| Cash dividends to net income (ytd only)* | 51.1945% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2911% | 339 |
| Loan loss allowance to noncurrent loans | 91.6707% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 3.4750% | 842 |
| Noncurrent loans to loans | 3.5902% | 860 |
| Net loans and leases to total assets | 58.5333% | 3,946 |
| Net loans and leases to deposits | 64.6191% | 4,448 |
| Net loans and leases to core deposits | 65.2092% | 4,759 |
| Total domestic deposits to total assets | 90.5821% | 765 |
| Equity capital to assets | 9.0590% | 4,963 |
| Core capital (leverage) ratio | 9.1562% | 4,773 |
| Tier 1 risk-based capital ratio | 15.1858% | 3,552 |
| Total risk-based capital ratio | 16.4604% | 3,489 |
| Memoranda: | ||
| Average total assets | $191,097,400 | 3,145 |
| Average earning assets | $177,828,200 | 3,103 |
| Average equity | $17,703,000 | 3,470 |
| Average total loans | $119,212,200 | 3,055 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,828 |
| Cost of funding earning assets | 0.1288% | 6,703 |
| Net interest margin | 3.6787% | 3,113 |
| Noninterest income to average assets | 0.7878% | 2,208 |
| Noninterest expense to average assets | 2.8895% | 3,339 |
| Loan and lease loss provision to assets | 0.3977% | 765 |
| Net operating income to assets | 0.9287% | 2,695 |
| Return on assets (ROA) | 0.9308% | 2,791 |
| Pretax return on assets | 0.9308% | 3,758 |
| Return on Equity (ROE) | 9.9927% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.9964% | 1,876 |
| Net charge-offs to loans | 4.4977% | 26 |
| Credit loss provision to net charge-offs | 14.0706% | 4,164 |
| Earnings coverage of net charge-offs (x) | 0.4693% | 4,708 |
| Efficiency ratio | 66.5839% | 4,377 |
| Assets per employee ($millions) | 4.1879% | 3,450 |
| Cash dividends to net income (ytd only)* | 29.9850% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2547% | 429 |
| Loan loss allowance to noncurrent loans | 106.9464% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 3.1514% | 1,151 |
| Noncurrent loans to loans | 3.0433% | 1,313 |
| Net loans and leases to total assets | 58.2017% | 3,979 |
| Net loans and leases to deposits | 64.3892% | 4,476 |
| Net loans and leases to core deposits | 65.0750% | 4,799 |
| Total domestic deposits to total assets | 90.3905% | 795 |
| Equity capital to assets | 9.1465% | 5,000 |
| Core capital (leverage) ratio | 9.1765% | 4,867 |
| Tier 1 risk-based capital ratio | 15.3207% | 3,555 |
| Total risk-based capital ratio | 16.5952% | 3,493 |
| Memoranda: | ||
| Average total assets | $191,079,750 | 3,167 |
| Average earning assets | $178,065,000 | 3,122 |
| Average equity | $17,799,250 | 3,491 |
| Average total loans | $120,089,000 | 3,057 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 4,728 |
| Cost of funding earning assets | 0.1283% | 6,758 |
| Net interest margin | 3.7038% | 2,942 |
| Noninterest income to average assets | 0.7966% | 2,201 |
| Noninterest expense to average assets | 2.9051% | 3,312 |
| Loan and lease loss provision to assets | 0.3673% | 895 |
| Net operating income to assets | 0.9782% | 2,418 |
| Return on assets (ROA) | 0.9813% | 2,560 |
| Pretax return on assets | 0.9813% | 3,598 |
| Return on Equity (ROE) | 10.4709% | 2,021 |
| Retained earnings to average equity (ytd only) | 5.9914% | 2,449 |
| Net charge-offs to loans | 3.6596% | 68 |
| Credit loss provision to net charge-offs | 15.7445% | 3,818 |
| Earnings coverage of net charge-offs (x) | 0.5767% | 4,344 |
| Efficiency ratio | 66.3951% | 4,476 |
| Assets per employee ($millions) | 4.4667% | 2,869 |
| Cash dividends to net income (ytd only)* | 42.7807% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6187% | 163 |
| Loan loss allowance to noncurrent loans | 304.2986% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 2.3913% | 1,780 |
| Noncurrent loans to loans | 1.5178% | 3,024 |
| Net loans and leases to total assets | 57.8451% | 4,016 |
| Net loans and leases to deposits | 63.9655% | 4,511 |
| Net loans and leases to core deposits | 64.6549% | 4,827 |
| Total domestic deposits to total assets | 90.4316% | 794 |
| Equity capital to assets | 9.1316% | 5,062 |
| Core capital (leverage) ratio | 8.8326% | 5,245 |
| Tier 1 risk-based capital ratio | 15.4306% | 3,519 |
| Total risk-based capital ratio | 16.7245% | 3,452 |
| Memoranda: | ||
| Average total assets | $190,559,000 | 3,187 |
| Average earning assets | $177,711,670 | 3,148 |
| Average equity | $17,859,000 | 3,507 |
| Average total loans | $121,487,670 | 3,039 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 4,349 |
| Cost of funding earning assets | 0.1307% | 6,839 |
| Net interest margin | 3.8043% | 2,436 |
| Noninterest income to average assets | 0.7123% | 2,527 |
| Noninterest expense to average assets | 2.8830% | 3,405 |
| Loan and lease loss provision to assets | 0.3583% | 900 |
| Net operating income to assets | 1.0284% | 2,112 |
| Return on assets (ROA) | 1.0326% | 2,212 |
| Pretax return on assets | 1.0326% | 3,215 |
| Return on Equity (ROE) | 10.8774% | 1,744 |
| Retained earnings to average equity (ytd only) | 1.9979% | 5,000 |
| Net charge-offs to loans | 1.5517% | 344 |
| Credit loss provision to net charge-offs | 35.3430% | 2,810 |
| Earnings coverage of net charge-offs (x) | 1.3680% | 3,379 |
| Efficiency ratio | 65.5972% | 4,729 |
| Assets per employee ($millions) | 4.6041% | 2,797 |
| Cash dividends to net income (ytd only)* | 81.6327% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7108% | 91 |
| Loan loss allowance to noncurrent loans | 246.6075% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 2,003 |
| Noncurrent loans to loans | 2.3157% | 2,259 |
| Net loans and leases to total assets | 57.8952% | 3,789 |
| Net loans and leases to deposits | 63.9674% | 4,321 |
| Net loans and leases to core deposits | 64.7373% | 4,675 |
| Total domestic deposits to total assets | 90.5074% | 762 |
| Equity capital to assets | 9.0698% | 5,405 |
| Core capital (leverage) ratio | 8.9755% | 4,929 |
| Tier 1 risk-based capital ratio | 14.9826% | 3,847 |
| Total risk-based capital ratio | 16.2938% | 3,764 |
| Memoranda: | ||
| Average total assets | $189,803,500 | 3,228 |
| Average earning assets | $177,482,500 | 3,179 |
| Average equity | $18,019,000 | 3,521 |
| Average total loans | $123,990,000 | 3,013 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 4,255 |
| Cost of funding earning assets | 0.2085% | 6,814 |
| Net interest margin | 4.0765% | 2,097 |
| Noninterest income to average assets | 0.8004% | 2,262 |
| Noninterest expense to average assets | 2.9072% | 3,603 |
| Loan and lease loss provision to assets | 0.7273% | 697 |
| Net operating income to assets | 0.9656% | 2,476 |
| Return on assets (ROA) | 0.9793% | 2,652 |
| Pretax return on assets | 0.9793% | 3,622 |
| Return on Equity (ROE) | 10.4647% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.4647% | 513 |
| Net charge-offs to loans | 1.0406% | 1,035 |
| Credit loss provision to net charge-offs | 100.1512% | 3,024 |
| Earnings coverage of net charge-offs (x) | 2.3311% | 4,248 |
| Efficiency ratio | 61.3246% | 5,341 |
| Assets per employee ($millions) | 4.1280% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7372% | 82 |
| Loan loss allowance to noncurrent loans | 238.2720% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 2.7313% | 1,769 |
| Noncurrent loans to loans | 2.4078% | 2,216 |
| Net loans and leases to total assets | 65.6090% | 2,588 |
| Net loans and leases to deposits | 73.1939% | 3,226 |
| Net loans and leases to core deposits | 74.1637% | 3,761 |
| Total domestic deposits to total assets | 89.6373% | 1,166 |
| Equity capital to assets | 9.9553% | 4,227 |
| Core capital (leverage) ratio | 9.3214% | 4,376 |
| Tier 1 risk-based capital ratio | 14.4516% | 4,069 |
| Total risk-based capital ratio | 15.7632% | 3,977 |
| Memoranda: | ||
| Average total assets | $182,169,200 | 3,284 |
| Average earning assets | $169,801,800 | 3,230 |
| Average equity | $17,047,800 | 3,623 |
| Average total loans | $127,141,800 | 2,932 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 4,530 |
| Cost of funding earning assets | 0.2282% | 6,880 |
| Net interest margin | 4.0511% | 2,290 |
| Noninterest income to average assets | 0.7467% | 2,501 |
| Noninterest expense to average assets | 2.8296% | 3,874 |
| Loan and lease loss provision to assets | 0.8411% | 548 |
| Net operating income to assets | 0.8535% | 3,196 |
| Return on assets (ROA) | 0.8681% | 3,383 |
| Pretax return on assets | 0.8681% | 4,229 |
| Return on Equity (ROE) | 9.4264% | 2,624 |
| Retained earnings to average equity (ytd only) | 9.4264% | 1,086 |
| Net charge-offs to loans | 1.2503% | 766 |
| Credit loss provision to net charge-offs | 96.3149% | 3,097 |
| Earnings coverage of net charge-offs (x) | 1.9405% | 4,289 |
| Efficiency ratio | 60.6369% | 5,389 |
| Assets per employee ($millions) | 3.8173% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7175% | 86 |
| Loan loss allowance to noncurrent loans | 234.6793% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 2.8326% | 1,859 |
| Noncurrent loans to loans | 2.4363% | 2,359 |
| Net loans and leases to total assets | 67.6796% | 2,339 |
| Net loans and leases to deposits | 75.6169% | 3,037 |
| Net loans and leases to core deposits | 76.7156% | 3,641 |
| Total domestic deposits to total assets | 89.5033% | 1,123 |
| Equity capital to assets | 9.9409% | 4,584 |
| Core capital (leverage) ratio | 8.8808% | 5,222 |
| Tier 1 risk-based capital ratio | 13.8424% | 4,663 |
| Total risk-based capital ratio | 15.1535% | 4,565 |
| Memoranda: | ||
| Average total assets | $182,303,500 | 3,307 |
| Average earning assets | $169,992,500 | 3,267 |
| Average equity | $16,789,250 | 3,691 |
| Average total loans | $127,322,250 | 2,966 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 4,760 |
| Cost of funding earning assets | 0.2461% | 6,928 |
| Net interest margin | 4.0047% | 2,484 |
| Noninterest income to average assets | 0.7337% | 2,502 |
| Noninterest expense to average assets | 2.7615% | 4,172 |
| Loan and lease loss provision to assets | 1.0296% | 426 |
| Net operating income to assets | 0.6817% | 3,973 |
| Return on assets (ROA) | 0.6947% | 4,159 |
| Pretax return on assets | 0.6947% | 4,843 |
| Return on Equity (ROE) | 7.7383% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.7383% | 1,749 |
| Net charge-offs to loans | 1.2040% | 898 |
| Credit loss provision to net charge-offs | 123.5371% | 2,220 |
| Earnings coverage of net charge-offs (x) | 2.0533% | 3,960 |
| Efficiency ratio | 59.8255% | 5,604 |
| Assets per employee ($millions) | 3.8911% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8046% | 90 |
| Loan loss allowance to noncurrent loans | 171.1654% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 2.9597% | 1,859 |
| Noncurrent loans to loans | 3.3912% | 1,708 |
| Net loans and leases to total assets | 64.5730% | 2,915 |
| Net loans and leases to deposits | 71.3702% | 3,708 |
| Net loans and leases to core deposits | 72.3325% | 4,261 |
| Total domestic deposits to total assets | 90.4761% | 678 |
| Equity capital to assets | 9.0747% | 5,611 |
| Core capital (leverage) ratio | 8.1190% | 6,142 |
| Tier 1 risk-based capital ratio | 13.2401% | 5,007 |
| Total risk-based capital ratio | 14.5527% | 4,932 |
| Memoranda: | ||
| Average total assets | $184,538,670 | 3,288 |
| Average earning assets | $172,296,330 | 3,239 |
| Average equity | $16,567,000 | 3,718 |
| Average total loans | $127,746,000 | 2,969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 4,578 |
| Cost of funding earning assets | 0.2668% | 6,959 |
| Net interest margin | 4.0715% | 2,210 |
| Noninterest income to average assets | 0.7131% | 2,595 |
| Noninterest expense to average assets | 2.8743% | 3,725 |
| Loan and lease loss provision to assets | 1.1122% | 357 |
| Net operating income to assets | 0.5212% | 4,730 |
| Return on assets (ROA) | 0.5212% | 4,939 |
| Pretax return on assets | 0.5212% | 5,357 |
| Return on Equity (ROE) | 5.8378% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.8378% | 3,052 |
| Net charge-offs to loans | 2.0313% | 457 |
| Credit loss provision to net charge-offs | 78.7037% | 2,744 |
| Earnings coverage of net charge-offs (x) | 1.1559% | 3,757 |
| Efficiency ratio | 61.8771% | 5,295 |
| Assets per employee ($millions) | 4.3883% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6255% | 104 |
| Loan loss allowance to noncurrent loans | 149.4014% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 3.1509% | 1,839 |
| Noncurrent loans to loans | 3.7654% | 1,649 |
| Net loans and leases to total assets | 61.8008% | 3,293 |
| Net loans and leases to deposits | 67.8918% | 4,080 |
| Net loans and leases to core deposits | 68.7686% | 4,595 |
| Total domestic deposits to total assets | 91.0283% | 545 |
| Equity capital to assets | 8.5144% | 6,070 |
| Core capital (leverage) ratio | 8.2966% | 5,881 |
| Tier 1 risk-based capital ratio | 13.0691% | 5,155 |
| Total risk-based capital ratio | 14.3802% | 5,081 |
| Memoranda: | ||
| Average total assets | $183,421,500 | 3,327 |
| Average earning assets | $170,945,000 | 3,272 |
| Average equity | $16,376,000 | 3,753 |
| Average total loans | $127,600,500 | 2,987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 5,546 |
| Cost of funding earning assets | 0.3246% | 7,060 |
| Net interest margin | 4.0430% | 2,661 |
| Noninterest income to average assets | 0.3960% | 4,648 |
| Noninterest expense to average assets | 2.9523% | 3,758 |
| Loan and lease loss provision to assets | 2.1552% | 242 |
| Net operating income to assets | -0.9782% | 6,731 |
| Return on assets (ROA) | -0.9472% | 6,744 |
| Pretax return on assets | -0.9472% | 6,708 |
| Return on Equity (ROE) | -10.3395% | 6,749 |
| Retained earnings to average equity (ytd only) | -10.3395% | 6,713 |
| Net charge-offs to loans | 1.4975% | 1,068 |
| Credit loss provision to net charge-offs | 195.2752% | 1,298 |
| Earnings coverage of net charge-offs (x) | 1.0665% | 4,988 |
| Efficiency ratio | 69.3172% | 4,089 |
| Assets per employee ($millions) | 4.0409% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6314% | 116 |
| Loan loss allowance to noncurrent loans | 108.5967% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 4.5310% | 1,209 |
| Noncurrent loans to loans | 5.1856% | 1,061 |
| Net loans and leases to total assets | 69.9300% | 2,047 |
| Net loans and leases to deposits | 77.5583% | 2,907 |
| Net loans and leases to core deposits | 78.6817% | 3,606 |
| Total domestic deposits to total assets | 90.1645% | 899 |
| Equity capital to assets | 9.3878% | 5,037 |
| Core capital (leverage) ratio | 8.7007% | 5,248 |
| Tier 1 risk-based capital ratio | 12.4856% | 5,464 |
| Total risk-based capital ratio | 13.7956% | 5,396 |
| Memoranda: | ||
| Average total assets | $174,505,600 | 3,423 |
| Average earning assets | $161,143,600 | 3,380 |
| Average equity | $15,987,200 | 3,731 |
| Average total loans | $128,618,600 | 3,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 5,711 |
| Cost of funding earning assets | 0.3294% | 7,156 |
| Net interest margin | 4.0404% | 2,731 |
| Noninterest income to average assets | 0.3816% | 4,797 |
| Noninterest expense to average assets | 2.9896% | 3,589 |
| Loan and lease loss provision to assets | 1.7798% | 339 |
| Net operating income to assets | -0.6617% | 6,733 |
| Return on assets (ROA) | -0.6297% | 6,751 |
| Pretax return on assets | -0.6297% | 6,695 |
| Return on Equity (ROE) | -6.9154% | 6,764 |
| Retained earnings to average equity (ytd only) | -6.9154% | 6,698 |
| Net charge-offs to loans | 1.1002% | 1,441 |
| Credit loss provision to net charge-offs | 219.7926% | 1,299 |
| Earnings coverage of net charge-offs (x) | 1.3808% | 4,591 |
| Efficiency ratio | 70.5871% | 3,837 |
| Assets per employee ($millions) | 3.9318% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2101% | 157 |
| Loan loss allowance to noncurrent loans | 99.7167% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 4.7940% | 1,220 |
| Noncurrent loans to loans | 5.2249% | 1,171 |
| Net loans and leases to total assets | 71.9590% | 1,711 |
| Net loans and leases to deposits | 80.0536% | 2,646 |
| Net loans and leases to core deposits | 81.2468% | 3,447 |
| Total domestic deposits to total assets | 89.8886% | 930 |
| Equity capital to assets | 9.5767% | 4,967 |
| Core capital (leverage) ratio | 8.6280% | 5,510 |
| Tier 1 risk-based capital ratio | 12.3781% | 5,598 |
| Total risk-based capital ratio | 13.6830% | 5,537 |
| Memoranda: | ||
| Average total assets | $174,692,500 | 3,435 |
| Average earning assets | $161,102,500 | 3,403 |
| Average equity | $15,906,000 | 3,756 |
| Average total loans | $128,583,250 | 3,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 5,873 |
| Cost of funding earning assets | 0.3327% | 7,257 |
| Net interest margin | 4.0075% | 2,802 |
| Noninterest income to average assets | 0.5516% | 3,466 |
| Noninterest expense to average assets | 3.0243% | 3,547 |
| Loan and lease loss provision to assets | 1.8463% | 353 |
| Net operating income to assets | -0.6219% | 6,770 |
| Return on assets (ROA) | -0.6094% | 6,777 |
| Pretax return on assets | -0.6094% | 6,712 |
| Return on Equity (ROE) | -6.8054% | 6,820 |
| Retained earnings to average equity (ytd only) | -6.8054% | 6,712 |
| Net charge-offs to loans | 1.2498% | 1,248 |
| Credit loss provision to net charge-offs | 202.7363% | 1,490 |
| Earnings coverage of net charge-offs (x) | 1.3445% | 4,279 |
| Efficiency ratio | 69.0749% | 4,314 |
| Assets per employee ($millions) | 4.1083% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8136% | 214 |
| Loan loss allowance to noncurrent loans | 90.0202% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 5.0258% | 1,217 |
| Noncurrent loans to loans | 5.3472% | 1,193 |
| Net loans and leases to total assets | 71.5350% | 1,875 |
| Net loans and leases to deposits | 79.4921% | 2,889 |
| Net loans and leases to core deposits | 80.5162% | 3,714 |
| Total domestic deposits to total assets | 89.9901% | 984 |
| Equity capital to assets | 9.5300% | 4,771 |
| Core capital (leverage) ratio | 8.3498% | 5,787 |
| Tier 1 risk-based capital ratio | 12.3915% | 5,449 |
| Total risk-based capital ratio | 13.6902% | 5,388 |
| Memoranda: | ||
| Average total assets | $176,567,670 | 3,424 |
| Average earning assets | $162,894,330 | 3,391 |
| Average equity | $15,811,000 | 3,765 |
| Average total loans | $128,662,330 | 3,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 6,114 |
| Cost of funding earning assets | 0.3377% | 7,337 |
| Net interest margin | 3.9265% | 3,019 |
| Noninterest income to average assets | 0.4681% | 4,130 |
| Noninterest expense to average assets | 3.0396% | 3,486 |
| Loan and lease loss provision to assets | 1.8255% | 312 |
| Net operating income to assets | -0.7773% | 6,950 |
| Return on assets (ROA) | -0.7773% | 6,960 |
| Pretax return on assets | -0.7773% | 6,908 |
| Return on Equity (ROE) | -8.9580% | 6,996 |
| Retained earnings to average equity (ytd only) | -8.9580% | 6,818 |
| Net charge-offs to loans | 1.6480% | 813 |
| Credit loss provision to net charge-offs | 154.3561% | 1,855 |
| Earnings coverage of net charge-offs (x) | 0.8864% | 3,983 |
| Efficiency ratio | 72.2192% | 3,817 |
| Assets per employee ($millions) | 4.2771% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4616% | 294 |
| Loan loss allowance to noncurrent loans | 87.1485% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 4.9153% | 1,287 |
| Noncurrent loans to loans | 5.1195% | 1,312 |
| Net loans and leases to total assets | 66.4017% | 2,900 |
| Net loans and leases to deposits | 73.0120% | 3,920 |
| Net loans and leases to core deposits | 73.8902% | 4,543 |
| Total domestic deposits to total assets | 90.9463% | 655 |
| Equity capital to assets | 8.5921% | 5,779 |
| Core capital (leverage) ratio | 8.2001% | 5,969 |
| Tier 1 risk-based capital ratio | 12.0556% | 5,639 |
| Total risk-based capital ratio | 13.3485% | 5,601 |
| Memoranda: | ||
| Average total assets | $178,577,000 | 3,406 |
| Average earning assets | $164,627,000 | 3,380 |
| Average equity | $15,494,500 | 3,813 |
| Average total loans | $128,156,000 | 3,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 6,365 |
| Cost of funding earning assets | 0.5434% | 7,238 |
| Net interest margin | 3.9696% | 3,154 |
| Noninterest income to average assets | 0.4501% | 4,513 |
| Noninterest expense to average assets | 8.2560% | 107 |
| Loan and lease loss provision to assets | 3.0709% | 301 |
| Net operating income to assets | -7.4224% | 7,609 |
| Return on assets (ROA) | -7.4198% | 7,611 |
| Pretax return on assets | -7.4198% | 7,615 |
| Return on Equity (ROE) | -57.2006% | 7,468 |
| Retained earnings to average equity (ytd only) | -57.2006% | 7,466 |
| Net charge-offs to loans | 2.3282% | 827 |
| Credit loss provision to net charge-offs | 194.9631% | 1,628 |
| Earnings coverage of net charge-offs (x) | -2.7626% | 6,734 |
| Efficiency ratio | 69.4798% | 4,286 |
| Assets per employee ($millions) | 4.1248% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2152% | 331 |
| Loan loss allowance to noncurrent loans | 71.7351% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 5.4820% | 1,131 |
| Noncurrent loans to loans | 5.8761% | 1,076 |
| Net loans and leases to total assets | 71.0408% | 2,291 |
| Net loans and leases to deposits | 78.2392% | 3,476 |
| Net loans and leases to core deposits | 79.3694% | 4,296 |
| Total domestic deposits to total assets | 90.7995% | 694 |
| Equity capital to assets | 8.7665% | 5,489 |
| Core capital (leverage) ratio | 8.1069% | 6,001 |
| Tier 1 risk-based capital ratio | 11.5058% | 5,908 |
| Total risk-based capital ratio | 12.7959% | 5,876 |
| Memoranda: | ||
| Average total assets | $189,062,400 | 3,240 |
| Average earning assets | $164,526,400 | 3,367 |
| Average equity | $24,524,200 | 2,606 |
| Average total loans | $127,909,400 | 3,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 6,498 |
| Cost of funding earning assets | 0.5726% | 7,340 |
| Net interest margin | 3.9672% | 3,249 |
| Noninterest income to average assets | 0.5049% | 4,142 |
| Noninterest expense to average assets | 2.6836% | 4,951 |
| Loan and lease loss provision to assets | 2.2174% | 503 |
| Net operating income to assets | -0.9885% | 6,897 |
| Return on assets (ROA) | -0.9857% | 6,938 |
| Pretax return on assets | -0.9857% | 6,851 |
| Return on Equity (ROE) | -7.0839% | 6,790 |
| Retained earnings to average equity (ytd only) | -7.0839% | 6,719 |
| Net charge-offs to loans | 1.1051% | 1,838 |
| Credit loss provision to net charge-offs | 303.1161% | 1,055 |
| Earnings coverage of net charge-offs (x) | 1.6799% | 4,444 |
| Efficiency ratio | 66.5078% | 4,753 |
| Assets per employee ($millions) | 4.4471% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6067% | 498 |
| Loan loss allowance to noncurrent loans | 53.2831% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 6.8166% | 809 |
| Noncurrent loans to loans | 6.7689% | 861 |
| Net loans and leases to total assets | 69.4641% | 2,862 |
| Net loans and leases to deposits | 81.9462% | 3,117 |
| Net loans and leases to core deposits | 82.7217% | 4,126 |
| Total domestic deposits to total assets | 84.7680% | 3,740 |
| Equity capital to assets | 14.7543% | 954 |
| Core capital (leverage) ratio | 8.5468% | 5,424 |
| Tier 1 risk-based capital ratio | 11.8360% | 5,601 |
| Total risk-based capital ratio | 13.1170% | 5,552 |
| Memoranda: | ||
| Average total assets | $193,018,000 | 3,239 |
| Average earning assets | $165,790,750 | 3,393 |
| Average equity | $26,858,500 | 2,429 |
| Average total loans | $127,765,000 | 3,206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 6,949 |
| Cost of funding earning assets | 0.6017% | 7,403 |
| Net interest margin | 3.7734% | 4,031 |
| Noninterest income to average assets | 0.5769% | 3,500 |
| Noninterest expense to average assets | 2.6554% | 5,102 |
| Loan and lease loss provision to assets | 2.1091% | 582 |
| Net operating income to assets | -0.9462% | 6,925 |
| Return on assets (ROA) | -0.9421% | 6,938 |
| Pretax return on assets | -0.9421% | 6,862 |
| Return on Equity (ROE) | -6.8991% | 6,829 |
| Retained earnings to average equity (ytd only) | -6.8991% | 6,731 |
| Net charge-offs to loans | 1.1378% | 1,668 |
| Credit loss provision to net charge-offs | 287.9167% | 1,292 |
| Earnings coverage of net charge-offs (x) | 1.5875% | 4,305 |
| Efficiency ratio | 67.4394% | 4,685 |
| Assets per employee ($millions) | 4.6096% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0890% | 765 |
| Loan loss allowance to noncurrent loans | 32.9047% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 7.7436% | 650 |
| Noncurrent loans to loans | 9.3878% | 490 |
| Net loans and leases to total assets | 63.8620% | 4,294 |
| Net loans and leases to deposits | 74.6605% | 4,577 |
| Net loans and leases to core deposits | 75.3163% | 5,276 |
| Total domestic deposits to total assets | 85.5365% | 3,355 |
| Equity capital to assets | 14.0931% | 1,133 |
| Core capital (leverage) ratio | 8.1573% | 6,023 |
| Tier 1 risk-based capital ratio | 12.5348% | 4,827 |
| Total risk-based capital ratio | 13.8096% | 4,785 |
| Memoranda: | ||
| Average total assets | $196,579,670 | 3,207 |
| Average earning assets | $168,867,000 | 3,359 |
| Average equity | $26,844,000 | 2,421 |
| Average total loans | $126,555,000 | 3,269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 7,013 |
| Cost of funding earning assets | 0.6762% | 7,384 |
| Net interest margin | 3.7098% | 4,193 |
| Noninterest income to average assets | 0.5857% | 3,369 |
| Noninterest expense to average assets | 2.7021% | 4,895 |
| Loan and lease loss provision to assets | 1.6055% | 721 |
| Net operating income to assets | -0.5533% | 6,865 |
| Return on assets (ROA) | -0.5473% | 6,895 |
| Pretax return on assets | -0.5473% | 6,817 |
| Return on Equity (ROE) | -4.0716% | 6,825 |
| Retained earnings to average equity (ytd only) | -4.0716% | 6,504 |
| Net charge-offs to loans | 0.9108% | 1,760 |
| Credit loss provision to net charge-offs | 277.0035% | 1,430 |
| Earnings coverage of net charge-offs (x) | 1.8153% | 3,645 |
| Efficiency ratio | 69.8763% | 4,329 |
| Assets per employee ($millions) | 4.4838% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4897% | 1,306 |
| Loan loss allowance to noncurrent loans | 29.5420% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 6.7460% | 821 |
| Noncurrent loans to loans | 8.4276% | 622 |
| Net loans and leases to total assets | 58.7903% | 5,308 |
| Net loans and leases to deposits | 67.8606% | 5,608 |
| Net loans and leases to core deposits | 68.6073% | 6,045 |
| Total domestic deposits to total assets | 86.6340% | 2,827 |
| Equity capital to assets | 12.9723% | 1,539 |
| Core capital (leverage) ratio | 7.9798% | 6,265 |
| Tier 1 risk-based capital ratio | 11.7764% | 5,421 |
| Total risk-based capital ratio | 13.0275% | 5,358 |
| Memoranda: | ||
| Average total assets | $198,067,000 | 3,241 |
| Average earning assets | $169,175,500 | 3,415 |
| Average equity | $26,623,500 | 2,456 |
| Average total loans | $126,042,000 | 3,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 6,356 |
| Cost of funding earning assets | 1.1570% | 6,804 |
| Net interest margin | 3.8670% | 3,406 |
| Noninterest income to average assets | 0.7053% | 2,933 |
| Noninterest expense to average assets | 3.1057% | 3,712 |
| Loan and lease loss provision to assets | 2.2135% | 939 |
| Net operating income to assets | -1.3154% | 6,773 |
| Return on assets (ROA) | -1.2500% | 6,741 |
| Pretax return on assets | -1.2500% | 6,573 |
| Return on Equity (ROE) | -9.1541% | 6,552 |
| Retained earnings to average equity (ytd only) | -9.1541% | 6,446 |
| Net charge-offs to loans | 2.2497% | 1,048 |
| Credit loss provision to net charge-offs | 144.8841% | 3,290 |
| Earnings coverage of net charge-offs (x) | 0.5879% | 5,514 |
| Efficiency ratio | 75.4319% | 3,630 |
| Assets per employee ($millions) | 3.8751% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 1,963 |
| Loan loss allowance to noncurrent loans | 32.2734% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 5.5219% | 1,065 |
| Noncurrent loans to loans | 6.2781% | 976 |
| Net loans and leases to total assets | 65.9062% | 4,176 |
| Net loans and leases to deposits | 76.9678% | 4,573 |
| Net loans and leases to core deposits | 82.5050% | 5,873 |
| Total domestic deposits to total assets | 85.6282% | 3,209 |
| Equity capital to assets | 13.9515% | 1,185 |
| Core capital (leverage) ratio | 8.3403% | 5,545 |
| Tier 1 risk-based capital ratio | 11.3475% | 5,568 |
| Total risk-based capital ratio | 12.5691% | 5,536 |
| Memoranda: | ||
| Average total assets | $183,599,000 | 3,375 |
| Average earning assets | $156,608,800 | 3,582 |
| Average equity | $25,070,600 | 2,603 |
| Average total loans | $124,683,000 | 3,386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 6,344 |
| Cost of funding earning assets | 1.2729% | 6,647 |
| Net interest margin | 3.8066% | 3,630 |
| Noninterest income to average assets | 0.7486% | 2,719 |
| Noninterest expense to average assets | 3.3532% | 2,718 |
| Loan and lease loss provision to assets | 2.2479% | 763 |
| Net operating income to assets | -1.6107% | 7,161 |
| Return on assets (ROA) | -1.5228% | 7,124 |
| Pretax return on assets | -1.5228% | 6,977 |
| Return on Equity (ROE) | -11.2154% | 6,970 |
| Retained earnings to average equity (ytd only) | -11.2154% | 6,896 |
| Net charge-offs to loans | 1.1168% | 1,794 |
| Credit loss provision to net charge-offs | 295.6647% | 1,400 |
| Earnings coverage of net charge-offs (x) | 0.8381% | 5,217 |
| Efficiency ratio | 81.8649% | 2,596 |
| Assets per employee ($millions) | 3.7109% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5555% | 1,010 |
| Loan loss allowance to noncurrent loans | 37.7401% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 5.7382% | 969 |
| Noncurrent loans to loans | 6.7712% | 828 |
| Net loans and leases to total assets | 70.4619% | 3,400 |
| Net loans and leases to deposits | 82.6296% | 3,901 |
| Net loans and leases to core deposits | 90.0113% | 5,431 |
| Total domestic deposits to total assets | 85.2744% | 3,086 |
| Equity capital to assets | 14.0772% | 1,281 |
| Core capital (leverage) ratio | 7.9570% | 6,436 |
| Tier 1 risk-based capital ratio | 10.3183% | 6,659 |
| Total risk-based capital ratio | 11.5844% | 6,583 |
| Memoranda: | ||
| Average total assets | $182,029,000 | 3,433 |
| Average earning assets | $155,023,250 | 3,637 |
| Average equity | $24,715,500 | 2,655 |
| Average total loans | $123,921,250 | 3,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 6,529 |
| Cost of funding earning assets | 1.3689% | 6,588 |
| Net interest margin | 3.7069% | 3,923 |
| Noninterest income to average assets | 0.8655% | 2,119 |
| Noninterest expense to average assets | 3.1171% | 3,634 |
| Loan and lease loss provision to assets | 0.9929% | 1,694 |
| Net operating income to assets | -0.0769% | 5,965 |
| Return on assets (ROA) | 0.0549% | 5,787 |
| Pretax return on assets | 0.0549% | 5,774 |
| Return on Equity (ROE) | 0.4095% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.4095% | 5,053 |
| Net charge-offs to loans | 1.5404% | 1,229 |
| Credit loss provision to net charge-offs | 96.6845% | 4,721 |
| Earnings coverage of net charge-offs (x) | 0.8920% | 4,865 |
| Efficiency ratio | 75.1362% | 3,854 |
| Assets per employee ($millions) | 3.6355% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 6,031 |
| Loan loss allowance to noncurrent loans | 17.9356% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 4.4463% | 1,268 |
| Noncurrent loans to loans | 5.7327% | 979 |
| Net loans and leases to total assets | 67.3870% | 4,277 |
| Net loans and leases to deposits | 78.0455% | 4,863 |
| Net loans and leases to core deposits | 86.5922% | 5,846 |
| Total domestic deposits to total assets | 86.3433% | 2,603 |
| Equity capital to assets | 13.1227% | 1,650 |
| Core capital (leverage) ratio | 7.1900% | 7,368 |
| Tier 1 risk-based capital ratio | 10.0656% | 6,858 |
| Total risk-based capital ratio | 11.0918% | 7,025 |
| Memoranda: | ||
| Average total assets | $182,094,330 | 3,453 |
| Average earning assets | $155,602,000 | 3,638 |
| Average equity | $24,421,670 | 2,705 |
| Average total loans | $121,400,670 | 3,506 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 6,497 |
| Cost of funding earning assets | 1.4666% | 6,517 |
| Net interest margin | 3.6808% | 3,977 |
| Noninterest income to average assets | 0.6850% | 2,973 |
| Noninterest expense to average assets | 3.1036% | 3,362 |
| Loan and lease loss provision to assets | 0.6761% | 1,872 |
| Net operating income to assets | 0.0377% | 6,170 |
| Return on assets (ROA) | 0.0377% | 6,318 |
| Pretax return on assets | 0.0377% | 6,307 |
| Return on Equity (ROE) | 0.2779% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.2779% | 5,543 |
| Net charge-offs to loans | 1.3347% | 1,054 |
| Credit loss provision to net charge-offs | 76.8262% | 4,245 |
| Earnings coverage of net charge-offs (x) | 0.8111% | 4,382 |
| Efficiency ratio | 79.0360% | 2,993 |
| Assets per employee ($millions) | 3.7594% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 5,884 |
| Loan loss allowance to noncurrent loans | 28.1392% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 4.5699% | 1,045 |
| Noncurrent loans to loans | 3.6856% | 1,698 |
| Net loans and leases to total assets | 62.7969% | 5,192 |
| Net loans and leases to deposits | 72.5852% | 5,668 |
| Net loans and leases to core deposits | 80.3062% | 6,360 |
| Total domestic deposits to total assets | 86.5147% | 2,436 |
| Equity capital to assets | 12.9804% | 1,754 |
| Core capital (leverage) ratio | 7.5607% | 7,082 |
| Tier 1 risk-based capital ratio | 10.4889% | 6,407 |
| Total risk-based capital ratio | 11.5138% | 6,553 |
| Memoranda: | ||
| Average total assets | $180,436,000 | 3,502 |
| Average earning assets | $153,552,000 | 3,690 |
| Average equity | $24,467,000 | 2,710 |
| Average total loans | $118,980,500 | 3,582 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0548% | 5,271 |
| Cost of funding earning assets | 1.9239% | 6,664 |
| Net interest margin | 4.1310% | 2,579 |
| Noninterest income to average assets | 1.4362% | 694 |
| Noninterest expense to average assets | 3.3260% | 2,875 |
| Loan and lease loss provision to assets | 1.4597% | 930 |
| Net operating income to assets | 0.1833% | 5,901 |
| Return on assets (ROA) | 0.1844% | 5,728 |
| Pretax return on assets | 0.1844% | 5,766 |
| Return on Equity (ROE) | 1.3012% | 5,829 |
| Retained earnings to average equity (ytd only) | -1.1759% | 5,649 |
| Net charge-offs to loans | 2.2601% | 458 |
| Credit loss provision to net charge-offs | 94.6880% | 5,552 |
| Earnings coverage of net charge-offs (x) | 1.0658% | 5,597 |
| Efficiency ratio | 65.1262% | 5,294 |
| Assets per employee ($millions) | 2.6601% | 6,868 |
| Cash dividends to net income (ytd only)* | 190.3727% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,138 |
| Loan loss allowance to noncurrent loans | 31.0441% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 4.4134% | 867 |
| Noncurrent loans to loans | 3.6070% | 1,398 |
| Net loans and leases to total assets | 67.8741% | 4,486 |
| Net loans and leases to deposits | 79.5873% | 5,116 |
| Net loans and leases to core deposits | 89.7657% | 5,820 |
| Total domestic deposits to total assets | 85.2826% | 2,712 |
| Equity capital to assets | 14.1900% | 1,376 |
| Core capital (leverage) ratio | 8.7161% | 5,168 |
| Tier 1 risk-based capital ratio | 11.2412% | 5,497 |
| Total risk-based capital ratio | 12.2953% | 5,575 |
| Memoranda: | ||
| Average total assets | $174,622,400 | 3,482 |
| Average earning assets | $149,335,600 | 3,668 |
| Average equity | $24,746,200 | 2,660 |
| Average total loans | $119,111,600 | 3,488 |