Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5763% | 64 |
| Cost of funding earning assets | 1.0682% | 3,148 |
| Net interest margin | 10.5082% | 25 |
| Noninterest income to average assets | 3.4000% | 168 |
| Noninterest expense to average assets | 5.6767% | 185 |
| Loan and lease loss provision to assets | 6.3100% | 4 |
| Net operating income to assets | 1.0432% | 2,086 |
| Return on assets (ROA) | 1.0358% | 2,084 |
| Pretax return on assets | 1.2302% | 2,062 |
| Return on Equity (ROE) | 8.3000% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.3029% | 1,458 |
| Net charge-offs to loans | 7.4076% | 11 |
| Credit loss provision to net charge-offs | 104.9390% | 1,796 |
| Earnings coverage of net charge-offs (x) | 1.2554% | 2,767 |
| Efficiency ratio | 42.9136% | 4,291 |
| Assets per employee ($millions) | 5.7248% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7199% | 18 |
| Loan loss allowance to noncurrent loans | 964.5775% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 666 |
| Noncurrent loans to loans | 0.9040% | 829 |
| Net loans and leases to total assets | 73.4600% | 1,423 |
| Net loans and leases to deposits | 87.7197% | 1,463 |
| Net loans and leases to core deposits | 95.0081% | 1,710 |
| Total domestic deposits to total assets | 83.7400% | 2,693 |
| Equity capital to assets | 12.2288% | 1,057 |
| Core capital (leverage) ratio | 13.8286% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9820% | 920 |
| Memoranda: | ||
| Average total assets | $420,736,400 | 1,950 |
| Average earning assets | $393,475,200 | 1,933 |
| Average equity | $52,488,000 | 1,543 |
| Average total loans | $341,661,400 | 1,640 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5146% | 61 |
| Cost of funding earning assets | 0.8886% | 3,304 |
| Net interest margin | 10.6260% | 23 |
| Noninterest income to average assets | 3.4900% | 171 |
| Noninterest expense to average assets | 5.7624% | 190 |
| Loan and lease loss provision to assets | 6.2800% | 5 |
| Net operating income to assets | 1.1820% | 1,837 |
| Return on assets (ROA) | 1.1674% | 1,866 |
| Pretax return on assets | 1.3592% | 1,872 |
| Return on Equity (ROE) | 9.3100% | 2,847 |
| Retained earnings to average equity (ytd only) | 9.3092% | 1,601 |
| Net charge-offs to loans | 7.0513% | 11 |
| Credit loss provision to net charge-offs | 109.4267% | 1,555 |
| Earnings coverage of net charge-offs (x) | 1.3340% | 2,540 |
| Efficiency ratio | 42.9411% | 4,274 |
| Assets per employee ($millions) | 5.5758% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1009% | 16 |
| Loan loss allowance to noncurrent loans | 947.1618% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 656 |
| Noncurrent loans to loans | 0.9609% | 857 |
| Net loans and leases to total assets | 74.9300% | 1,244 |
| Net loans and leases to deposits | 88.7681% | 1,321 |
| Net loans and leases to core deposits | 95.1156% | 1,612 |
| Total domestic deposits to total assets | 84.4100% | 2,665 |
| Equity capital to assets | 12.3166% | 965 |
| Core capital (leverage) ratio | 14.1235% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9598% | 952 |
| Memoranda: | ||
| Average total assets | $415,717,500 | 1,970 |
| Average earning assets | $388,459,000 | 1,955 |
| Average equity | $52,133,500 | 1,543 |
| Average total loans | $338,388,500 | 1,650 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2633% | 60 |
| Cost of funding earning assets | 0.7230% | 3,418 |
| Net interest margin | 10.5402% | 26 |
| Noninterest income to average assets | 3.4900% | 160 |
| Noninterest expense to average assets | 5.7528% | 180 |
| Loan and lease loss provision to assets | 6.3500% | 5 |
| Net operating income to assets | 1.1487% | 1,970 |
| Return on assets (ROA) | 1.1545% | 1,955 |
| Pretax return on assets | 1.2500% | 2,226 |
| Return on Equity (ROE) | 9.1500% | 2,942 |
| Retained earnings to average equity (ytd only) | 9.1512% | 1,644 |
| Net charge-offs to loans | 7.0297% | 11 |
| Credit loss provision to net charge-offs | 111.4382% | 1,370 |
| Earnings coverage of net charge-offs (x) | 1.3327% | 2,369 |
| Efficiency ratio | 43.1048% | 4,294 |
| Assets per employee ($millions) | 5.0950% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1892% | 19 |
| Loan loss allowance to noncurrent loans | 1,209.4700% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 781 |
| Noncurrent loans to loans | 0.7598% | 999 |
| Net loans and leases to total assets | 74.3200% | 1,246 |
| Net loans and leases to deposits | 89.1797% | 1,248 |
| Net loans and leases to core deposits | 93.4864% | 1,596 |
| Total domestic deposits to total assets | 83.3300% | 2,977 |
| Equity capital to assets | 12.4129% | 949 |
| Core capital (leverage) ratio | 13.9657% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9582% | 966 |
| Memoranda: | ||
| Average total assets | $414,896,000 | 1,966 |
| Average earning assets | $387,809,000 | 1,953 |
| Average equity | $52,342,667 | 1,540 |
| Average total loans | $336,287,000 | 1,644 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9634% | 20 |
| Cost of funding earning assets | 0.5860% | 3,421 |
| Net interest margin | 10.3774% | 18 |
| Noninterest income to average assets | 3.5100% | 159 |
| Noninterest expense to average assets | 5.7991% | 189 |
| Loan and lease loss provision to assets | 6.4200% | 4 |
| Net operating income to assets | 1.0481% | 2,392 |
| Return on assets (ROA) | 1.0414% | 2,375 |
| Pretax return on assets | 1.0433% | 2,874 |
| Return on Equity (ROE) | 8.1900% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.1890% | 2,167 |
| Net charge-offs to loans | 7.2725% | 12 |
| Credit loss provision to net charge-offs | 109.3919% | 1,064 |
| Earnings coverage of net charge-offs (x) | 1.2729% | 1,976 |
| Efficiency ratio | 43.7124% | 4,310 |
| Assets per employee ($millions) | 5.0683% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3244% | 15 |
| Loan loss allowance to noncurrent loans | 859.1604% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 613 |
| Noncurrent loans to loans | 0.8525% | 896 |
| Net loans and leases to total assets | 74.4400% | 1,144 |
| Net loans and leases to deposits | 87.9062% | 1,214 |
| Net loans and leases to core deposits | 92.2952% | 1,489 |
| Total domestic deposits to total assets | 84.6800% | 2,936 |
| Equity capital to assets | 13.0422% | 751 |
| Core capital (leverage) ratio | 14.3128% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1284% | 829 |
| Memoranda: | ||
| Average total assets | $415,998,000 | 1,990 |
| Average earning assets | $391,118,000 | 1,967 |
| Average equity | $52,900,500 | 1,538 |
| Average total loans | $335,564,000 | 1,664 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9378% | 19 |
| Cost of funding earning assets | 0.2973% | 2,900 |
| Net interest margin | 9.6405% | 18 |
| Noninterest income to average assets | 3.5000% | 158 |
| Noninterest expense to average assets | 5.8876% | 169 |
| Loan and lease loss provision to assets | 4.9700% | 6 |
| Net operating income to assets | 1.3222% | 1,354 |
| Return on assets (ROA) | 1.3210% | 1,317 |
| Pretax return on assets | 1.7330% | 853 |
| Return on Equity (ROE) | 10.4800% | 2,649 |
| Retained earnings to average equity (ytd only) | 10.4792% | 1,010 |
| Net charge-offs to loans | 5.0954% | 10 |
| Credit loss provision to net charge-offs | 128.4872% | 1,416 |
| Earnings coverage of net charge-offs (x) | 1.7332% | 2,528 |
| Efficiency ratio | 46.7538% | 4,308 |
| Assets per employee ($millions) | 5.4736% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9067% | 17 |
| Loan loss allowance to noncurrent loans | 921.4146% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 675 |
| Noncurrent loans to loans | 0.7496% | 1,004 |
| Net loans and leases to total assets | 75.4100% | 1,073 |
| Net loans and leases to deposits | 89.8974% | 1,062 |
| Net loans and leases to core deposits | 99.8432% | 1,014 |
| Total domestic deposits to total assets | 83.8800% | 3,232 |
| Equity capital to assets | 12.3993% | 826 |
| Core capital (leverage) ratio | 14.1967% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3050% | 931 |
| Memoranda: | ||
| Average total assets | $411,947,600 | 1,980 |
| Average earning assets | $388,517,800 | 1,953 |
| Average equity | $51,931,600 | 1,567 |
| Average total loans | $312,771,200 | 1,664 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6136% | 19 |
| Cost of funding earning assets | 0.2386% | 2,836 |
| Net interest margin | 9.3750% | 18 |
| Noninterest income to average assets | 3.5000% | 164 |
| Noninterest expense to average assets | 5.8499% | 173 |
| Loan and lease loss provision to assets | 4.2100% | 6 |
| Net operating income to assets | 1.6542% | 590 |
| Return on assets (ROA) | 1.6524% | 576 |
| Pretax return on assets | 2.2990% | 275 |
| Return on Equity (ROE) | 13.0500% | 1,685 |
| Retained earnings to average equity (ytd only) | 13.0528% | 605 |
| Net charge-offs to loans | 4.4800% | 9 |
| Credit loss provision to net charge-offs | 125.7961% | 1,193 |
| Earnings coverage of net charge-offs (x) | 1.9463% | 2,259 |
| Efficiency ratio | 47.3430% | 4,308 |
| Assets per employee ($millions) | 5.5010% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6474% | 17 |
| Loan loss allowance to noncurrent loans | 938.8745% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 811 |
| Noncurrent loans to loans | 0.7080% | 1,153 |
| Net loans and leases to total assets | 71.9100% | 1,310 |
| Net loans and leases to deposits | 84.0706% | 1,295 |
| Net loans and leases to core deposits | 90.1956% | 1,284 |
| Total domestic deposits to total assets | 85.5300% | 3,166 |
| Equity capital to assets | 12.0254% | 883 |
| Core capital (leverage) ratio | 14.1814% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1473% | 839 |
| Memoranda: | ||
| Average total assets | $409,568,000 | 2,005 |
| Average earning assets | $386,705,500 | 1,973 |
| Average equity | $51,849,750 | 1,596 |
| Average total loans | $305,615,250 | 1,688 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5713% | 27 |
| Cost of funding earning assets | 0.1949% | 2,981 |
| Net interest margin | 7.3764% | 25 |
| Noninterest income to average assets | 5.0097% | 99 |
| Noninterest expense to average assets | 5.8237% | 136 |
| Loan and lease loss provision to assets | 3.4754% | 8 |
| Net operating income to assets | 1.9231% | 259 |
| Return on assets (ROA) | 1.9220% | 261 |
| Pretax return on assets | 2.6822% | 136 |
| Return on Equity (ROE) | 14.9212% | 911 |
| Retained earnings to average equity (ytd only) | 14.9212% | 271 |
| Net charge-offs to loans | 4.1562% | 10 |
| Credit loss provision to net charge-offs | 113.3376% | 1,206 |
| Earnings coverage of net charge-offs (x) | 2.0085% | 2,044 |
| Efficiency ratio | 48.6005% | 4,326 |
| Assets per employee ($millions) | 5.1051% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3331% | 24 |
| Loan loss allowance to noncurrent loans | 931.8480% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 874 |
| Noncurrent loans to loans | 0.6796% | 1,270 |
| Net loans and leases to total assets | 71.9454% | 1,107 |
| Net loans and leases to deposits | 84.4003% | 1,094 |
| Net loans and leases to core deposits | 86.7404% | 1,281 |
| Total domestic deposits to total assets | 85.2431% | 3,429 |
| Equity capital to assets | 12.3471% | 790 |
| Core capital (leverage) ratio | 14.4555% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8921% | 737 |
| Memoranda: | ||
| Average total assets | $404,897,667 | 2,036 |
| Average earning assets | $382,760,667 | 2,013 |
| Average equity | $52,154,000 | 1,629 |
| Average total loans | $298,732,333 | 1,709 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8133% | 23 |
| Cost of funding earning assets | 0.2001% | 2,801 |
| Net interest margin | 8.6132% | 21 |
| Noninterest income to average assets | 3.3904% | 142 |
| Noninterest expense to average assets | 5.8570% | 130 |
| Loan and lease loss provision to assets | 2.9975% | 9 |
| Net operating income to assets | 1.9312% | 252 |
| Return on assets (ROA) | 1.9289% | 255 |
| Pretax return on assets | 2.6919% | 136 |
| Return on Equity (ROE) | 14.6669% | 709 |
| Retained earnings to average equity (ytd only) | 14.6669% | 316 |
| Net charge-offs to loans | 4.1202% | 14 |
| Credit loss provision to net charge-offs | 100.7000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 1.9123% | 1,723 |
| Efficiency ratio | 50.7131% | 4,279 |
| Assets per employee ($millions) | 5.1437% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5440% | 27 |
| Loan loss allowance to noncurrent loans | 838.5394% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 949 |
| Noncurrent loans to loans | 0.7804% | 1,220 |
| Net loans and leases to total assets | 67.8451% | 1,230 |
| Net loans and leases to deposits | 80.2235% | 1,133 |
| Net loans and leases to core deposits | 81.9132% | 1,355 |
| Total domestic deposits to total assets | 84.5701% | 3,643 |
| Equity capital to assets | 12.9663% | 693 |
| Core capital (leverage) ratio | 13.7553% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1243% | 741 |
| Memoranda: | ||
| Average total assets | $403,141,000 | 2,041 |
| Average earning assets | $381,878,000 | 2,021 |
| Average equity | $53,017,500 | 1,649 |
| Average total loans | $291,248,500 | 1,734 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8901% | 44 |
| Cost of funding earning assets | 0.2793% | 2,610 |
| Net interest margin | 6.6109% | 39 |
| Noninterest income to average assets | 4.3144% | 124 |
| Noninterest expense to average assets | 5.2117% | 165 |
| Loan and lease loss provision to assets | 1.5747% | 13 |
| Net operating income to assets | 2.7181% | 125 |
| Return on assets (ROA) | 2.7232% | 127 |
| Pretax return on assets | 3.8067% | 87 |
| Return on Equity (ROE) | 23.3483% | 160 |
| Retained earnings to average equity (ytd only) | 21.7456% | 41 |
| Net charge-offs to loans | 2.6101% | 16 |
| Credit loss provision to net charge-offs | 90.8803% | 1,873 |
| Earnings coverage of net charge-offs (x) | 3.1020% | 2,561 |
| Efficiency ratio | 49.2290% | 4,342 |
| Assets per employee ($millions) | 5.1275% | 3,617 |
| Cash dividends to net income (ytd only)* | 6.8644% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5373% | 22 |
| Loan loss allowance to noncurrent loans | 866.9854% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 1,086 |
| Noncurrent loans to loans | 0.7540% | 1,349 |
| Net loans and leases to total assets | 67.1971% | 1,347 |
| Net loans and leases to deposits | 80.9378% | 1,138 |
| Net loans and leases to core deposits | 82.9389% | 1,387 |
| Total domestic deposits to total assets | 83.0231% | 3,804 |
| Equity capital to assets | 13.3341% | 813 |
| Core capital (leverage) ratio | 12.9039% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6653% | 797 |
| Memoranda: | ||
| Average total assets | $401,215,600 | 1,985 |
| Average earning assets | $380,659,800 | 1,969 |
| Average equity | $46,795,600 | 1,867 |
| Average total loans | $266,348,200 | 1,852 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7276% | 29 |
| Cost of funding earning assets | 0.2916% | 2,674 |
| Net interest margin | 7.4360% | 26 |
| Noninterest income to average assets | 2.9841% | 194 |
| Noninterest expense to average assets | 5.1563% | 168 |
| Loan and lease loss provision to assets | 1.4091% | 13 |
| Net operating income to assets | 2.4830% | 218 |
| Return on assets (ROA) | 2.4830% | 221 |
| Pretax return on assets | 3.4701% | 125 |
| Return on Equity (ROE) | 22.0897% | 299 |
| Retained earnings to average equity (ytd only) | 19.8671% | 135 |
| Net charge-offs to loans | 2.3332% | 18 |
| Credit loss provision to net charge-offs | 92.9262% | 1,645 |
| Earnings coverage of net charge-offs (x) | 3.2177% | 2,320 |
| Efficiency ratio | 51.3809% | 4,088 |
| Assets per employee ($millions) | 4.7961% | 3,892 |
| Cash dividends to net income (ytd only)* | 10.0617% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1727% | 21 |
| Loan loss allowance to noncurrent loans | 807.0058% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 1,191 |
| Noncurrent loans to loans | 0.8888% | 1,293 |
| Net loans and leases to total assets | 60.0218% | 2,258 |
| Net loans and leases to deposits | 70.2438% | 2,214 |
| Net loans and leases to core deposits | 72.2810% | 2,406 |
| Total domestic deposits to total assets | 85.4478% | 2,965 |
| Equity capital to assets | 12.2532% | 1,284 |
| Core capital (leverage) ratio | 12.2650% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0118% | 811 |
| Memoranda: | ||
| Average total assets | $400,251,000 | 2,005 |
| Average earning assets | $379,547,750 | 1,991 |
| Average equity | $44,991,250 | 1,944 |
| Average total loans | $260,126,000 | 1,909 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4728% | 33 |
| Cost of funding earning assets | 0.3072% | 2,718 |
| Net interest margin | 7.1656% | 30 |
| Noninterest income to average assets | 2.9043% | 198 |
| Noninterest expense to average assets | 5.0950% | 172 |
| Loan and lease loss provision to assets | 1.5551% | 15 |
| Net operating income to assets | 2.1846% | 347 |
| Return on assets (ROA) | 2.1846% | 370 |
| Pretax return on assets | 3.0524% | 179 |
| Return on Equity (ROE) | 20.0719% | 451 |
| Retained earnings to average equity (ytd only) | 16.5791% | 299 |
| Net charge-offs to loans | 2.4515% | 27 |
| Credit loss provision to net charge-offs | 97.4278% | 1,403 |
| Earnings coverage of net charge-offs (x) | 2.8866% | 2,099 |
| Efficiency ratio | 52.5128% | 3,986 |
| Assets per employee ($millions) | 4.9136% | 3,736 |
| Cash dividends to net income (ytd only)* | 17.4014% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5882% | 20 |
| Loan loss allowance to noncurrent loans | 963.2252% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 1,502 |
| Noncurrent loans to loans | 0.7878% | 1,544 |
| Net loans and leases to total assets | 57.8079% | 2,694 |
| Net loans and leases to deposits | 67.1295% | 2,706 |
| Net loans and leases to core deposits | 68.9762% | 2,864 |
| Total domestic deposits to total assets | 86.1141% | 2,701 |
| Equity capital to assets | 11.5792% | 1,583 |
| Core capital (leverage) ratio | 11.6047% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9673% | 969 |
| Memoranda: | ||
| Average total assets | $394,580,667 | 2,024 |
| Average earning assets | $374,344,333 | 2,001 |
| Average equity | $42,945,667 | 2,000 |
| Average total loans | $256,901,333 | 1,928 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4518% | 35 |
| Cost of funding earning assets | 0.3312% | 2,697 |
| Net interest margin | 7.1206% | 31 |
| Noninterest income to average assets | 2.9074% | 210 |
| Noninterest expense to average assets | 5.2078% | 160 |
| Loan and lease loss provision to assets | 1.8272% | 14 |
| Net operating income to assets | 1.8687% | 698 |
| Return on assets (ROA) | 1.8687% | 748 |
| Pretax return on assets | 2.6096% | 372 |
| Return on Equity (ROE) | 17.7778% | 752 |
| Retained earnings to average equity (ytd only) | 10.3745% | 1,553 |
| Net charge-offs to loans | 2.7191% | 23 |
| Credit loss provision to net charge-offs | 101.0907% | 1,105 |
| Earnings coverage of net charge-offs (x) | 2.4546% | 1,806 |
| Efficiency ratio | 53.9968% | 3,779 |
| Assets per employee ($millions) | 4.8063% | 3,842 |
| Cash dividends to net income (ytd only)* | 41.6435% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7551% | 19 |
| Loan loss allowance to noncurrent loans | 928.8679% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 1,617 |
| Noncurrent loans to loans | 0.8349% | 1,599 |
| Net loans and leases to total assets | 58.0176% | 2,801 |
| Net loans and leases to deposits | 67.1722% | 2,789 |
| Net loans and leases to core deposits | 69.1337% | 2,952 |
| Total domestic deposits to total assets | 86.3714% | 2,592 |
| Equity capital to assets | 11.2249% | 1,702 |
| Core capital (leverage) ratio | 11.5188% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5434% | 844 |
| Memoranda: | ||
| Average total assets | $385,500,500 | 2,045 |
| Average earning assets | $364,744,000 | 2,025 |
| Average equity | $40,522,500 | 2,066 |
| Average total loans | $256,257,500 | 1,932 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1943% | 26 |
| Cost of funding earning assets | 0.5099% | 2,886 |
| Net interest margin | 7.6845% | 24 |
| Noninterest income to average assets | 2.7211% | 226 |
| Noninterest expense to average assets | 5.3699% | 164 |
| Loan and lease loss provision to assets | 3.0391% | 17 |
| Net operating income to assets | 1.1145% | 1,864 |
| Return on assets (ROA) | 1.1145% | 1,985 |
| Pretax return on assets | 1.5545% | 1,184 |
| Return on Equity (ROE) | 8.9524% | 2,412 |
| Retained earnings to average equity (ytd only) | -19.8785% | 4,959 |
| Net charge-offs to loans | 3.0149% | 29 |
| Credit loss provision to net charge-offs | 138.9912% | 2,493 |
| Earnings coverage of net charge-offs (x) | 2.1009% | 3,200 |
| Efficiency ratio | 53.8956% | 4,224 |
| Assets per employee ($millions) | 4.4250% | 3,995 |
| Cash dividends to net income (ytd only)* | 322.0456% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6078% | 19 |
| Loan loss allowance to noncurrent loans | 446.4034% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 642 |
| Noncurrent loans to loans | 1.7042% | 744 |
| Net loans and leases to total assets | 65.0515% | 2,218 |
| Net loans and leases to deposits | 73.8810% | 2,497 |
| Net loans and leases to core deposits | 76.3411% | 2,702 |
| Total domestic deposits to total assets | 88.0490% | 1,448 |
| Equity capital to assets | 9.7276% | 3,383 |
| Core capital (leverage) ratio | 9.2447% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2989% | 1,745 |
| Memoranda: | ||
| Average total assets | $350,007,400 | 2,053 |
| Average earning assets | $329,873,800 | 2,024 |
| Average equity | $43,574,800 | 1,885 |
| Average total loans | $253,836,600 | 1,903 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2708% | 28 |
| Cost of funding earning assets | 0.5466% | 2,954 |
| Net interest margin | 7.7241% | 23 |
| Noninterest income to average assets | 2.6289% | 222 |
| Noninterest expense to average assets | 5.3476% | 164 |
| Loan and lease loss provision to assets | 3.0501% | 22 |
| Net operating income to assets | 1.0765% | 2,059 |
| Return on assets (ROA) | 1.0765% | 2,191 |
| Pretax return on assets | 1.5015% | 1,447 |
| Return on Equity (ROE) | 8.1719% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.1719% | 1,250 |
| Net charge-offs to loans | 3.2830% | 28 |
| Credit loss provision to net charge-offs | 127.1178% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1.8970% | 3,034 |
| Efficiency ratio | 54.0209% | 4,144 |
| Assets per employee ($millions) | 4.5172% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0503% | 22 |
| Loan loss allowance to noncurrent loans | 1,062.1387% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,030 |
| Noncurrent loans to loans | 0.6638% | 2,128 |
| Net loans and leases to total assets | 67.0366% | 2,384 |
| Net loans and leases to deposits | 78.9183% | 2,434 |
| Net loans and leases to core deposits | 81.8290% | 2,676 |
| Total domestic deposits to total assets | 84.9444% | 2,464 |
| Equity capital to assets | 13.0707% | 1,150 |
| Core capital (leverage) ratio | 12.7485% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8058% | 938 |
| Memoranda: | ||
| Average total assets | $345,690,500 | 2,048 |
| Average earning assets | $325,379,500 | 2,029 |
| Average equity | $45,536,750 | 1,822 |
| Average total loans | $252,648,000 | 1,907 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3654% | 30 |
| Cost of funding earning assets | 0.5820% | 3,072 |
| Net interest margin | 7.7833% | 25 |
| Noninterest income to average assets | 2.5430% | 222 |
| Noninterest expense to average assets | 5.2693% | 169 |
| Loan and lease loss provision to assets | 3.1798% | 27 |
| Net operating income to assets | 1.0098% | 2,287 |
| Return on assets (ROA) | 1.0098% | 2,412 |
| Pretax return on assets | 1.4075% | 1,710 |
| Return on Equity (ROE) | 7.6449% | 2,883 |
| Retained earnings to average equity (ytd only) | 7.6449% | 1,419 |
| Net charge-offs to loans | 3.8986% | 25 |
| Credit loss provision to net charge-offs | 111.0815% | 2,334 |
| Earnings coverage of net charge-offs (x) | 1.6025% | 2,841 |
| Efficiency ratio | 53.4597% | 4,233 |
| Assets per employee ($millions) | 4.5432% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6876% | 20 |
| Loan loss allowance to noncurrent loans | 948.2113% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 2,048 |
| Noncurrent loans to loans | 0.7053% | 2,117 |
| Net loans and leases to total assets | 64.5284% | 2,814 |
| Net loans and leases to deposits | 74.9403% | 2,979 |
| Net loans and leases to core deposits | 77.5953% | 3,143 |
| Total domestic deposits to total assets | 86.1064% | 1,964 |
| Equity capital to assets | 12.3926% | 1,431 |
| Core capital (leverage) ratio | 12.8805% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6564% | 956 |
| Memoranda: | ||
| Average total assets | $340,462,667 | 2,046 |
| Average earning assets | $319,914,333 | 2,030 |
| Average equity | $44,971,000 | 1,829 |
| Average total loans | $249,988,000 | 1,903 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1193% | 30 |
| Cost of funding earning assets | 0.6413% | 3,216 |
| Net interest margin | 8.4780% | 24 |
| Noninterest income to average assets | 2.5646% | 189 |
| Noninterest expense to average assets | 5.5262% | 175 |
| Loan and lease loss provision to assets | 3.8062% | 25 |
| Net operating income to assets | 0.8409% | 2,746 |
| Return on assets (ROA) | 0.8409% | 2,838 |
| Pretax return on assets | 1.1701% | 2,303 |
| Return on Equity (ROE) | 6.1480% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.1480% | 1,820 |
| Net charge-offs to loans | 4.6196% | 24 |
| Credit loss provision to net charge-offs | 108.5825% | 1,767 |
| Earnings coverage of net charge-offs (x) | 1.4196% | 2,391 |
| Efficiency ratio | 52.6180% | 4,499 |
| Assets per employee ($millions) | 3.8233% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9096% | 21 |
| Loan loss allowance to noncurrent loans | 875.5429% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 1,887 |
| Noncurrent loans to loans | 0.7892% | 2,040 |
| Net loans and leases to total assets | 70.1997% | 2,218 |
| Net loans and leases to deposits | 83.3463% | 2,299 |
| Net loans and leases to core deposits | 86.5786% | 2,636 |
| Total domestic deposits to total assets | 84.2266% | 2,703 |
| Equity capital to assets | 13.7650% | 1,136 |
| Core capital (leverage) ratio | 13.9051% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5579% | 916 |
| Memoranda: | ||
| Average total assets | $324,421,000 | 2,072 |
| Average earning assets | $303,752,500 | 2,056 |
| Average equity | $44,372,500 | 1,832 |
| Average total loans | $246,168,500 | 1,889 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9878% | 35 |
| Cost of funding earning assets | 0.6391% | 3,459 |
| Net interest margin | 8.3487% | 26 |
| Noninterest income to average assets | 2.5727% | 195 |
| Noninterest expense to average assets | 5.5705% | 156 |
| Loan and lease loss provision to assets | 3.5388% | 18 |
| Net operating income to assets | 0.9009% | 3,206 |
| Return on assets (ROA) | 0.9009% | 3,293 |
| Pretax return on assets | 1.2480% | 2,675 |
| Return on Equity (ROE) | 6.6419% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.6419% | 1,546 |
| Net charge-offs to loans | 3.9289% | 24 |
| Credit loss provision to net charge-offs | 117.3959% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.5880% | 3,521 |
| Efficiency ratio | 53.7833% | 4,443 |
| Assets per employee ($millions) | 3.6803% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7493% | 14 |
| Loan loss allowance to noncurrent loans | 621.1016% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 1,341 |
| Noncurrent loans to loans | 1.0867% | 1,392 |
| Net loans and leases to total assets | 71.1969% | 2,223 |
| Net loans and leases to deposits | 84.8193% | 2,233 |
| Net loans and leases to core deposits | 87.7542% | 2,629 |
| Total domestic deposits to total assets | 83.9396% | 2,861 |
| Equity capital to assets | 13.5896% | 1,250 |
| Core capital (leverage) ratio | 13.4379% | 1,072 |
| Tier 1 risk-based capital ratio | 17.5580% | 1,875 |
| Total risk-based capital ratio | 18.8791% | 1,810 |
| Memoranda: | ||
| Average total assets | $313,131,600 | 2,087 |
| Average earning assets | $291,973,000 | 2,078 |
| Average equity | $42,472,800 | 1,836 |
| Average total loans | $240,246,400 | 1,887 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9120% | 36 |
| Cost of funding earning assets | 0.6212% | 3,579 |
| Net interest margin | 8.2909% | 27 |
| Noninterest income to average assets | 2.5146% | 198 |
| Noninterest expense to average assets | 5.5686% | 156 |
| Loan and lease loss provision to assets | 3.3521% | 21 |
| Net operating income to assets | 0.9573% | 3,139 |
| Return on assets (ROA) | 0.9573% | 3,216 |
| Pretax return on assets | 1.3267% | 2,577 |
| Return on Equity (ROE) | 7.0612% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.0612% | 1,834 |
| Net charge-offs to loans | 3.7843% | 27 |
| Credit loss provision to net charge-offs | 115.3051% | 2,021 |
| Earnings coverage of net charge-offs (x) | 1.6094% | 3,275 |
| Efficiency ratio | 54.3420% | 4,358 |
| Assets per employee ($millions) | 3.7093% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6111% | 17 |
| Loan loss allowance to noncurrent loans | 619.0916% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 1,437 |
| Noncurrent loans to loans | 1.0679% | 1,493 |
| Net loans and leases to total assets | 71.2236% | 2,285 |
| Net loans and leases to deposits | 84.5060% | 2,383 |
| Net loans and leases to core deposits | 87.7109% | 2,762 |
| Total domestic deposits to total assets | 84.2823% | 2,719 |
| Equity capital to assets | 13.6023% | 1,313 |
| Core capital (leverage) ratio | 13.7636% | 1,051 |
| Tier 1 risk-based capital ratio | 17.7003% | 1,900 |
| Total risk-based capital ratio | 19.0198% | 1,833 |
| Memoranda: | ||
| Average total assets | $310,448,250 | 2,111 |
| Average earning assets | $289,548,500 | 2,103 |
| Average equity | $42,088,000 | 1,857 |
| Average total loans | $238,490,250 | 1,908 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8025% | 37 |
| Cost of funding earning assets | 0.5914% | 3,693 |
| Net interest margin | 8.2111% | 27 |
| Noninterest income to average assets | 2.4610% | 201 |
| Noninterest expense to average assets | 5.5527% | 161 |
| Loan and lease loss provision to assets | 3.1912% | 24 |
| Net operating income to assets | 0.9961% | 2,939 |
| Return on assets (ROA) | 0.9961% | 3,000 |
| Pretax return on assets | 1.3810% | 2,255 |
| Return on Equity (ROE) | 7.3559% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.3559% | 1,671 |
| Net charge-offs to loans | 3.9748% | 27 |
| Credit loss provision to net charge-offs | 104.2481% | 1,910 |
| Earnings coverage of net charge-offs (x) | 1.4936% | 3,014 |
| Efficiency ratio | 54.8420% | 4,375 |
| Assets per employee ($millions) | 3.5958% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3351% | 17 |
| Loan loss allowance to noncurrent loans | 1,023.2886% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,247 |
| Noncurrent loans to loans | 0.6191% | 2,409 |
| Net loans and leases to total assets | 72.8980% | 2,078 |
| Net loans and leases to deposits | 86.8059% | 2,157 |
| Net loans and leases to core deposits | 89.3229% | 2,656 |
| Total domestic deposits to total assets | 83.9783% | 2,876 |
| Equity capital to assets | 13.7943% | 1,201 |
| Core capital (leverage) ratio | 13.7179% | 1,049 |
| Tier 1 risk-based capital ratio | 17.4201% | 1,963 |
| Total risk-based capital ratio | 18.7354% | 1,906 |
| Memoranda: | ||
| Average total assets | $307,598,330 | 2,135 |
| Average earning assets | $287,098,670 | 2,119 |
| Average equity | $41,653,670 | 1,869 |
| Average total loans | $236,891,670 | 1,929 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7306% | 37 |
| Cost of funding earning assets | 0.5633% | 3,766 |
| Net interest margin | 8.1673% | 29 |
| Noninterest income to average assets | 2.3965% | 194 |
| Noninterest expense to average assets | 5.3837% | 170 |
| Loan and lease loss provision to assets | 3.1071% | 26 |
| Net operating income to assets | 1.0992% | 2,473 |
| Return on assets (ROA) | 1.0992% | 2,520 |
| Pretax return on assets | 1.5242% | 1,693 |
| Return on Equity (ROE) | 8.1940% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.1940% | 1,591 |
| Net charge-offs to loans | 4.3966% | 24 |
| Credit loss provision to net charge-offs | 92.2571% | 1,699 |
| Earnings coverage of net charge-offs (x) | 1.3751% | 2,604 |
| Efficiency ratio | 53.7560% | 4,556 |
| Assets per employee ($millions) | 3.6444% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3207% | 19 |
| Loan loss allowance to noncurrent loans | 410.5918% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 1,018 |
| Noncurrent loans to loans | 1.5394% | 1,041 |
| Net loans and leases to total assets | 71.8810% | 2,186 |
| Net loans and leases to deposits | 84.9626% | 2,262 |
| Net loans and leases to core deposits | 86.9968% | 2,778 |
| Total domestic deposits to total assets | 84.6032% | 2,817 |
| Equity capital to assets | 13.6136% | 1,171 |
| Core capital (leverage) ratio | 13.5779% | 1,066 |
| Tier 1 risk-based capital ratio | 16.6601% | 2,209 |
| Total risk-based capital ratio | 17.9706% | 2,146 |
| Memoranda: | ||
| Average total assets | $306,779,500 | 2,158 |
| Average earning assets | $286,166,500 | 2,137 |
| Average equity | $41,152,000 | 1,887 |
| Average total loans | $235,000,500 | 1,958 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7747% | 32 |
| Cost of funding earning assets | 0.4208% | 3,856 |
| Net interest margin | 8.3539% | 25 |
| Noninterest income to average assets | 2.8771% | 160 |
| Noninterest expense to average assets | 5.4273% | 158 |
| Loan and lease loss provision to assets | 3.4773% | 17 |
| Net operating income to assets | 1.2293% | 2,053 |
| Return on assets (ROA) | 1.2293% | 2,044 |
| Pretax return on assets | 1.7286% | 1,098 |
| Return on Equity (ROE) | 9.6792% | 2,650 |
| Retained earnings to average equity (ytd only) | 9.6792% | 686 |
| Net charge-offs to loans | 4.3171% | 22 |
| Credit loss provision to net charge-offs | 107.4683% | 2,385 |
| Earnings coverage of net charge-offs (x) | 1.6089% | 3,608 |
| Efficiency ratio | 51.0406% | 4,872 |
| Assets per employee ($millions) | 3.6168% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4001% | 21 |
| Loan loss allowance to noncurrent loans | 663.4480% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,653 |
| Noncurrent loans to loans | 0.9647% | 1,679 |
| Net loans and leases to total assets | 71.5800% | 2,332 |
| Net loans and leases to deposits | 84.2718% | 2,487 |
| Net loans and leases to core deposits | 86.2584% | 2,894 |
| Total domestic deposits to total assets | 84.9394% | 2,665 |
| Equity capital to assets | 13.2156% | 1,247 |
| Core capital (leverage) ratio | 16.9014% | 417 |
| Tier 1 risk-based capital ratio | 16.1330% | 2,364 |
| Total risk-based capital ratio | 17.4440% | 2,288 |
| Memoranda: | ||
| Average total assets | $304,573,200 | 2,130 |
| Average earning assets | $282,778,800 | 2,118 |
| Average equity | $38,680,800 | 1,912 |
| Average total loans | $228,278,800 | 1,958 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2059% | 60 |
| Cost of funding earning assets | 0.3922% | 3,916 |
| Net interest margin | 6.8137% | 42 |
| Noninterest income to average assets | 2.4736% | 210 |
| Noninterest expense to average assets | 4.6300% | 262 |
| Loan and lease loss provision to assets | 2.2260% | 32 |
| Net operating income to assets | 1.3540% | 1,647 |
| Return on assets (ROA) | 1.3540% | 1,656 |
| Pretax return on assets | 1.9338% | 759 |
| Return on Equity (ROE) | 11.5243% | 1,977 |
| Retained earnings to average equity (ytd only) | 11.5243% | 553 |
| Net charge-offs to loans | 2.8188% | 35 |
| Credit loss provision to net charge-offs | 108.6265% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.0300% | 3,289 |
| Efficiency ratio | 52.6744% | 4,737 |
| Assets per employee ($millions) | 3.6402% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0154% | 39 |
| Loan loss allowance to noncurrent loans | 1,493.1818% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,654 |
| Noncurrent loans to loans | 0.3359% | 3,459 |
| Net loans and leases to total assets | 73.2448% | 2,125 |
| Net loans and leases to deposits | 85.5665% | 2,411 |
| Net loans and leases to core deposits | 87.4417% | 2,879 |
| Total domestic deposits to total assets | 85.5998% | 2,360 |
| Equity capital to assets | 12.7470% | 1,439 |
| Core capital (leverage) ratio | 12.7306% | 1,403 |
| Tier 1 risk-based capital ratio | 14.8257% | 2,957 |
| Total risk-based capital ratio | 16.1183% | 2,857 |
| Memoranda: | ||
| Average total assets | $212,696,500 | 2,770 |
| Average earning assets | $197,166,000 | 2,761 |
| Average equity | $24,990,000 | 2,661 |
| Average total loans | $154,625,250 | 2,603 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0161% | 64 |
| Cost of funding earning assets | 0.3561% | 4,033 |
| Net interest margin | 6.6600% | 43 |
| Noninterest income to average assets | 2.6840% | 190 |
| Noninterest expense to average assets | 4.5946% | 274 |
| Loan and lease loss provision to assets | 2.1600% | 30 |
| Net operating income to assets | 1.4561% | 1,260 |
| Return on assets (ROA) | 1.4561% | 1,260 |
| Pretax return on assets | 2.1053% | 486 |
| Return on Equity (ROE) | 12.7340% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.7340% | 423 |
| Net charge-offs to loans | 3.0409% | 32 |
| Credit loss provision to net charge-offs | 99.6151% | 2,074 |
| Earnings coverage of net charge-offs (x) | 1.9671% | 3,008 |
| Efficiency ratio | 51.8581% | 4,905 |
| Assets per employee ($millions) | 3.5072% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9665% | 39 |
| Loan loss allowance to noncurrent loans | 2,188.1844% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 4,115 |
| Noncurrent loans to loans | 0.2270% | 3,905 |
| Net loans and leases to total assets | 72.6773% | 2,173 |
| Net loans and leases to deposits | 85.3157% | 2,398 |
| Net loans and leases to core deposits | 86.6689% | 2,854 |
| Total domestic deposits to total assets | 85.1864% | 2,605 |
| Equity capital to assets | 12.7157% | 1,433 |
| Core capital (leverage) ratio | 12.3518% | 1,515 |
| Tier 1 risk-based capital ratio | 14.9937% | 2,878 |
| Total risk-based capital ratio | 16.2863% | 2,785 |
| Memoranda: | ||
| Average total assets | $215,644,670 | 2,762 |
| Average earning assets | $199,970,000 | 2,759 |
| Average equity | $24,658,330 | 2,688 |
| Average total loans | $153,768,670 | 2,627 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8301% | 65 |
| Cost of funding earning assets | 0.3361% | 4,092 |
| Net interest margin | 6.4940% | 46 |
| Noninterest income to average assets | 1.8719% | 296 |
| Noninterest expense to average assets | 4.2969% | 354 |
| Loan and lease loss provision to assets | 2.1404% | 29 |
| Net operating income to assets | 1.0684% | 2,571 |
| Return on assets (ROA) | 1.0684% | 2,581 |
| Pretax return on assets | 1.4514% | 1,829 |
| Return on Equity (ROE) | 9.8363% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.8363% | 1,212 |
| Net charge-offs to loans | 3.3590% | 30 |
| Credit loss provision to net charge-offs | 92.3552% | 1,652 |
| Earnings coverage of net charge-offs (x) | 1.5498% | 2,546 |
| Efficiency ratio | 54.4691% | 4,755 |
| Assets per employee ($millions) | 3.5811% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9213% | 38 |
| Loan loss allowance to noncurrent loans | 1,534.3558% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 3,998 |
| Noncurrent loans to loans | 0.3207% | 3,615 |
| Net loans and leases to total assets | 65.2887% | 3,136 |
| Net loans and leases to deposits | 74.7792% | 3,333 |
| Net loans and leases to core deposits | 76.0208% | 3,665 |
| Total domestic deposits to total assets | 87.3087% | 2,006 |
| Equity capital to assets | 11.0176% | 2,555 |
| Core capital (leverage) ratio | 10.7760% | 2,651 |
| Tier 1 risk-based capital ratio | 13.9610% | 3,398 |
| Total risk-based capital ratio | 15.2514% | 3,296 |
| Memoranda: | ||
| Average total assets | $223,511,500 | 2,722 |
| Average earning assets | $207,082,000 | 2,721 |
| Average equity | $24,277,500 | 2,749 |
| Average total loans | $154,211,500 | 2,642 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7228% | 66 |
| Cost of funding earning assets | 0.3032% | 4,111 |
| Net interest margin | 6.4196% | 53 |
| Noninterest income to average assets | 1.7392% | 364 |
| Noninterest expense to average assets | 4.2101% | 412 |
| Loan and lease loss provision to assets | 2.3270% | 31 |
| Net operating income to assets | 0.5545% | 4,213 |
| Return on assets (ROA) | 0.5545% | 4,240 |
| Pretax return on assets | 1.1587% | 2,951 |
| Return on Equity (ROE) | 5.1315% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.1315% | 2,041 |
| Net charge-offs to loans | 2.9228% | 43 |
| Credit loss provision to net charge-offs | 116.3242% | 2,246 |
| Earnings coverage of net charge-offs (x) | 1.7425% | 3,858 |
| Efficiency ratio | 54.7062% | 4,886 |
| Assets per employee ($millions) | 3.6290% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8743% | 38 |
| Loan loss allowance to noncurrent loans | 1,481.8713% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,418 |
| Noncurrent loans to loans | 0.3289% | 3,592 |
| Net loans and leases to total assets | 65.9387% | 3,108 |
| Net loans and leases to deposits | 75.2058% | 3,412 |
| Net loans and leases to core deposits | 75.9609% | 3,749 |
| Total domestic deposits to total assets | 87.6776% | 1,665 |
| Equity capital to assets | 10.7081% | 2,934 |
| Core capital (leverage) ratio | 10.6775% | 2,669 |
| Tier 1 risk-based capital ratio | 13.4527% | 3,652 |
| Total risk-based capital ratio | 14.7435% | 3,542 |
| Memoranda: | ||
| Average total assets | $218,947,600 | 2,733 |
| Average earning assets | $203,159,800 | 2,739 |
| Average equity | $23,657,800 | 2,791 |
| Average total loans | $149,854,000 | 2,657 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6831% | 66 |
| Cost of funding earning assets | 0.2949% | 4,181 |
| Net interest margin | 6.3882% | 53 |
| Noninterest income to average assets | 1.7402% | 385 |
| Noninterest expense to average assets | 4.2212% | 399 |
| Loan and lease loss provision to assets | 2.3173% | 31 |
| Net operating income to assets | 0.7089% | 3,938 |
| Return on assets (ROA) | 0.7089% | 4,003 |
| Pretax return on assets | 1.1399% | 3,157 |
| Return on Equity (ROE) | 6.5450% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.5450% | 1,943 |
| Net charge-offs to loans | 2.8684% | 46 |
| Credit loss provision to net charge-offs | 118.4268% | 2,025 |
| Earnings coverage of net charge-offs (x) | 1.7668% | 3,549 |
| Efficiency ratio | 54.9752% | 4,850 |
| Assets per employee ($millions) | 3.6817% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0338% | 40 |
| Loan loss allowance to noncurrent loans | 1,563.8075% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,573 |
| Noncurrent loans to loans | 0.3219% | 3,796 |
| Net loans and leases to total assets | 66.0401% | 3,100 |
| Net loans and leases to deposits | 75.7626% | 3,396 |
| Net loans and leases to core deposits | 76.5652% | 3,760 |
| Total domestic deposits to total assets | 87.1671% | 1,788 |
| Equity capital to assets | 11.3414% | 2,533 |
| Core capital (leverage) ratio | 10.9469% | 2,508 |
| Tier 1 risk-based capital ratio | 14.0132% | 3,434 |
| Total risk-based capital ratio | 15.3058% | 3,330 |
| Memoranda: | ||
| Average total assets | $217,435,250 | 2,774 |
| Average earning assets | $202,117,000 | 2,774 |
| Average equity | $23,549,000 | 2,825 |
| Average total loans | $148,327,000 | 2,684 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5814% | 71 |
| Cost of funding earning assets | 0.2813% | 4,273 |
| Net interest margin | 6.3000% | 57 |
| Noninterest income to average assets | 1.6915% | 401 |
| Noninterest expense to average assets | 4.2033% | 409 |
| Loan and lease loss provision to assets | 2.2731% | 35 |
| Net operating income to assets | 0.6684% | 3,989 |
| Return on assets (ROA) | 0.6684% | 4,047 |
| Pretax return on assets | 1.0716% | 3,296 |
| Return on Equity (ROE) | 6.2677% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.2677% | 1,982 |
| Net charge-offs to loans | 3.0228% | 46 |
| Credit loss provision to net charge-offs | 110.9326% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.6323% | 3,263 |
| Efficiency ratio | 55.6875% | 4,863 |
| Assets per employee ($millions) | 3.6722% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8178% | 49 |
| Loan loss allowance to noncurrent loans | 2,020.3966% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 3,924 |
| Noncurrent loans to loans | 0.2385% | 4,174 |
| Net loans and leases to total assets | 65.0339% | 3,244 |
| Net loans and leases to deposits | 74.3230% | 3,515 |
| Net loans and leases to core deposits | 75.0934% | 3,850 |
| Total domestic deposits to total assets | 87.5017% | 1,720 |
| Equity capital to assets | 10.9900% | 2,816 |
| Core capital (leverage) ratio | 10.5948% | 2,818 |
| Tier 1 risk-based capital ratio | 13.8420% | 3,512 |
| Total risk-based capital ratio | 15.1322% | 3,409 |
| Memoranda: | ||
| Average total assets | $218,734,670 | 2,782 |
| Average earning assets | $203,332,000 | 2,772 |
| Average equity | $23,326,000 | 2,846 |
| Average total loans | $148,271,000 | 2,698 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4933% | 81 |
| Cost of funding earning assets | 0.2741% | 4,313 |
| Net interest margin | 6.2191% | 62 |
| Noninterest income to average assets | 1.6581% | 412 |
| Noninterest expense to average assets | 4.2262% | 413 |
| Loan and lease loss provision to assets | 2.2332% | 32 |
| Net operating income to assets | 0.6115% | 4,108 |
| Return on assets (ROA) | 0.6115% | 4,166 |
| Pretax return on assets | 0.9792% | 3,461 |
| Return on Equity (ROE) | 5.8223% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,427 |
| Net charge-offs to loans | 3.3129% | 45 |
| Credit loss provision to net charge-offs | 99.8373% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1.4361% | 2,731 |
| Efficiency ratio | 56.8143% | 4,855 |
| Assets per employee ($millions) | 3.6828% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6800% | 58 |
| Loan loss allowance to noncurrent loans | 1,185.0258% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 3,570 |
| Noncurrent loans to loans | 0.3949% | 3,687 |
| Net loans and leases to total assets | 64.5377% | 3,194 |
| Net loans and leases to deposits | 73.4150% | 3,462 |
| Net loans and leases to core deposits | 74.1659% | 3,816 |
| Total domestic deposits to total assets | 87.9080% | 1,767 |
| Equity capital to assets | 10.7063% | 2,953 |
| Core capital (leverage) ratio | 10.3637% | 3,039 |
| Tier 1 risk-based capital ratio | 13.6175% | 3,707 |
| Total risk-based capital ratio | 14.9061% | 3,588 |
| Memoranda: | ||
| Average total assets | $219,771,500 | 2,795 |
| Average earning assets | $204,273,500 | 2,785 |
| Average equity | $23,083,500 | 2,882 |
| Average total loans | $148,389,000 | 2,716 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4468% | 69 |
| Cost of funding earning assets | 0.2576% | 4,494 |
| Net interest margin | 6.1892% | 59 |
| Noninterest income to average assets | 1.7049% | 417 |
| Noninterest expense to average assets | 4.4888% | 384 |
| Loan and lease loss provision to assets | 2.0225% | 39 |
| Net operating income to assets | 0.5754% | 4,321 |
| Return on assets (ROA) | 0.5754% | 4,425 |
| Pretax return on assets | 0.9132% | 3,799 |
| Return on Equity (ROE) | 5.2859% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.2859% | 2,140 |
| Net charge-offs to loans | 2.3545% | 54 |
| Credit loss provision to net charge-offs | 123.6958% | 2,162 |
| Earnings coverage of net charge-offs (x) | 1.7955% | 3,939 |
| Efficiency ratio | 60.4595% | 4,514 |
| Assets per employee ($millions) | 3.7671% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6017% | 54 |
| Loan loss allowance to noncurrent loans | 1,533.8530% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,580 |
| Noncurrent loans to loans | 0.3000% | 4,068 |
| Net loans and leases to total assets | 64.2386% | 3,327 |
| Net loans and leases to deposits | 72.8627% | 3,628 |
| Net loans and leases to core deposits | 73.3012% | 3,979 |
| Total domestic deposits to total assets | 88.1638% | 1,554 |
| Equity capital to assets | 10.3051% | 3,380 |
| Core capital (leverage) ratio | 10.4496% | 2,931 |
| Tier 1 risk-based capital ratio | 12.9897% | 4,087 |
| Total risk-based capital ratio | 14.2768% | 3,965 |
| Memoranda: | ||
| Average total assets | $207,515,400 | 2,886 |
| Average earning assets | $191,769,000 | 2,879 |
| Average equity | $22,588,600 | 2,935 |
| Average total loans | $144,108,400 | 2,727 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4054% | 77 |
| Cost of funding earning assets | 0.2534% | 4,573 |
| Net interest margin | 6.1520% | 61 |
| Noninterest income to average assets | 1.6549% | 449 |
| Noninterest expense to average assets | 4.4729% | 393 |
| Loan and lease loss provision to assets | 1.8957% | 43 |
| Net operating income to assets | 0.6116% | 4,241 |
| Return on assets (ROA) | 0.6116% | 4,357 |
| Pretax return on assets | 0.9727% | 3,726 |
| Return on Equity (ROE) | 5.5382% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.5382% | 2,464 |
| Net charge-offs to loans | 2.2047% | 58 |
| Credit loss provision to net charge-offs | 122.7966% | 2,057 |
| Earnings coverage of net charge-offs (x) | 1.8580% | 3,650 |
| Efficiency ratio | 60.9285% | 4,404 |
| Assets per employee ($millions) | 3.6308% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6720% | 50 |
| Loan loss allowance to noncurrent loans | 1,988.2883% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 3,622 |
| Noncurrent loans to loans | 0.2350% | 4,431 |
| Net loans and leases to total assets | 66.4440% | 3,051 |
| Net loans and leases to deposits | 76.3366% | 3,370 |
| Net loans and leases to core deposits | 77.1924% | 3,732 |
| Total domestic deposits to total assets | 87.0408% | 1,876 |
| Equity capital to assets | 11.3022% | 2,702 |
| Core capital (leverage) ratio | 10.7351% | 2,744 |
| Tier 1 risk-based capital ratio | 13.6131% | 3,793 |
| Total risk-based capital ratio | 14.9009% | 3,681 |
| Memoranda: | ||
| Average total assets | $203,829,500 | 2,928 |
| Average earning assets | $188,399,750 | 2,924 |
| Average equity | $22,509,750 | 2,966 |
| Average total loans | $142,719,750 | 2,744 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2119% | 98 |
| Cost of funding earning assets | 0.2474% | 4,687 |
| Net interest margin | 5.9645% | 73 |
| Noninterest income to average assets | 1.5794% | 487 |
| Noninterest expense to average assets | 4.3853% | 421 |
| Loan and lease loss provision to assets | 1.6824% | 52 |
| Net operating income to assets | 0.6382% | 4,106 |
| Return on assets (ROA) | 0.6382% | 4,246 |
| Pretax return on assets | 1.0196% | 3,515 |
| Return on Equity (ROE) | 5.8247% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.8247% | 2,225 |
| Net charge-offs to loans | 2.2187% | 65 |
| Credit loss provision to net charge-offs | 108.1285% | 1,988 |
| Earnings coverage of net charge-offs (x) | 1.7366% | 3,368 |
| Efficiency ratio | 61.8758% | 4,365 |
| Assets per employee ($millions) | 3.5316% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4199% | 56 |
| Loan loss allowance to noncurrent loans | 2,156.9444% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 3,223 |
| Noncurrent loans to loans | 0.2049% | 4,625 |
| Net loans and leases to total assets | 65.5827% | 3,143 |
| Net loans and leases to deposits | 75.1743% | 3,466 |
| Net loans and leases to core deposits | 76.0071% | 3,822 |
| Total domestic deposits to total assets | 87.2408% | 1,787 |
| Equity capital to assets | 11.0925% | 2,955 |
| Core capital (leverage) ratio | 10.5007% | 2,977 |
| Tier 1 risk-based capital ratio | 13.5527% | 3,867 |
| Total risk-based capital ratio | 14.8371% | 3,768 |
| Memoranda: | ||
| Average total assets | $203,998,330 | 2,939 |
| Average earning assets | $188,381,670 | 2,948 |
| Average equity | $22,353,000 | 2,987 |
| Average total loans | $143,054,000 | 2,737 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3056% | 92 |
| Cost of funding earning assets | 0.4455% | 2,633 |
| Net interest margin | 5.8601% | 79 |
| Noninterest income to average assets | 1.4893% | 506 |
| Noninterest expense to average assets | 4.3049% | 451 |
| Loan and lease loss provision to assets | 1.4913% | 58 |
| Net operating income to assets | 0.6818% | 3,807 |
| Return on assets (ROA) | 0.6818% | 3,924 |
| Pretax return on assets | 1.0944% | 3,116 |
| Return on Equity (ROE) | 6.2610% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.2610% | 2,254 |
| Net charge-offs to loans | 1.8405% | 83 |
| Credit loss provision to net charge-offs | 114.3072% | 1,480 |
| Earnings coverage of net charge-offs (x) | 1.9819% | 2,745 |
| Efficiency ratio | 62.4750% | 4,376 |
| Assets per employee ($millions) | 3.5518% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4073% | 68 |
| Loan loss allowance to noncurrent loans | 758.9681% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 2,913 |
| Noncurrent loans to loans | 0.5807% | 3,448 |
| Net loans and leases to total assets | 66.1861% | 2,922 |
| Net loans and leases to deposits | 75.6575% | 3,258 |
| Net loans and leases to core deposits | 76.2825% | 3,652 |
| Total domestic deposits to total assets | 87.4812% | 1,940 |
| Equity capital to assets | 11.0444% | 2,892 |
| Core capital (leverage) ratio | 10.6202% | 2,825 |
| Tier 1 risk-based capital ratio | 13.5524% | 3,951 |
| Total risk-based capital ratio | 14.8373% | 3,861 |
| Memoranda: | ||
| Average total assets | $203,581,000 | 2,946 |
| Average earning assets | $187,642,500 | 2,962 |
| Average equity | $22,169,000 | 3,007 |
| Average total loans | $144,307,500 | 2,725 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 209 |
| Cost of funding earning assets | 0.2489% | 4,797 |
| Net interest margin | 5.4161% | 142 |
| Noninterest income to average assets | 1.4957% | 554 |
| Noninterest expense to average assets | 4.3342% | 465 |
| Loan and lease loss provision to assets | 1.2968% | 62 |
| Net operating income to assets | 0.5329% | 4,574 |
| Return on assets (ROA) | 0.5329% | 4,653 |
| Pretax return on assets | 0.8396% | 4,068 |
| Return on Equity (ROE) | 5.0025% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.0025% | 2,416 |
| Net charge-offs to loans | 1.3346% | 125 |
| Credit loss provision to net charge-offs | 141.4463% | 1,859 |
| Earnings coverage of net charge-offs (x) | 2.3303% | 3,930 |
| Efficiency ratio | 66.9827% | 3,752 |
| Assets per employee ($millions) | 3.5294% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0980% | 82 |
| Loan loss allowance to noncurrent loans | 513.3333% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 2,436 |
| Noncurrent loans to loans | 0.7983% | 2,794 |
| Net loans and leases to total assets | 69.5418% | 2,439 |
| Net loans and leases to deposits | 79.2687% | 2,908 |
| Net loans and leases to core deposits | 80.1379% | 3,332 |
| Total domestic deposits to total assets | 87.7293% | 1,780 |
| Equity capital to assets | 10.7363% | 3,092 |
| Core capital (leverage) ratio | 10.3788% | 3,075 |
| Tier 1 risk-based capital ratio | 12.6679% | 4,530 |
| Total risk-based capital ratio | 13.9499% | 4,414 |
| Memoranda: | ||
| Average total assets | $202,111,400 | 2,925 |
| Average earning assets | $185,649,800 | 2,936 |
| Average equity | $21,529,200 | 3,023 |
| Average total loans | $138,845,000 | 2,736 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 235 |
| Cost of funding earning assets | 0.2492% | 4,887 |
| Net interest margin | 5.3260% | 162 |
| Noninterest income to average assets | 1.3699% | 657 |
| Noninterest expense to average assets | 4.1462% | 564 |
| Loan and lease loss provision to assets | 1.1893% | 54 |
| Net operating income to assets | 0.5883% | 4,440 |
| Return on assets (ROA) | 0.5883% | 4,537 |
| Pretax return on assets | 0.9279% | 3,891 |
| Return on Equity (ROE) | 5.5344% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.5344% | 2,557 |
| Net charge-offs to loans | 1.2048% | 134 |
| Credit loss provision to net charge-offs | 145.7421% | 1,720 |
| Earnings coverage of net charge-offs (x) | 2.5945% | 3,641 |
| Efficiency ratio | 66.1982% | 3,864 |
| Assets per employee ($millions) | 3.3698% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3441% | 73 |
| Loan loss allowance to noncurrent loans | 720.4657% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 2,874 |
| Noncurrent loans to loans | 0.6030% | 3,509 |
| Net loans and leases to total assets | 65.1113% | 3,137 |
| Net loans and leases to deposits | 74.3315% | 3,509 |
| Net loans and leases to core deposits | 75.1640% | 3,892 |
| Total domestic deposits to total assets | 87.5959% | 1,747 |
| Equity capital to assets | 10.9832% | 3,046 |
| Core capital (leverage) ratio | 10.4723% | 3,068 |
| Tier 1 risk-based capital ratio | 13.5910% | 4,088 |
| Total risk-based capital ratio | 14.8748% | 3,997 |
| Memoranda: | ||
| Average total assets | $201,462,500 | 2,954 |
| Average earning assets | $185,101,250 | 2,971 |
| Average equity | $21,417,000 | 3,056 |
| Average total loans | $136,446,250 | 2,790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 272 |
| Cost of funding earning assets | 0.2487% | 4,954 |
| Net interest margin | 5.2394% | 176 |
| Noninterest income to average assets | 1.3284% | 693 |
| Noninterest expense to average assets | 4.1227% | 594 |
| Loan and lease loss provision to assets | 1.1199% | 58 |
| Net operating income to assets | 0.5674% | 4,488 |
| Return on assets (ROA) | 0.5674% | 4,590 |
| Pretax return on assets | 0.8955% | 3,974 |
| Return on Equity (ROE) | 5.3955% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.3955% | 2,603 |
| Net charge-offs to loans | 1.1899% | 154 |
| Credit loss provision to net charge-offs | 139.1892% | 1,615 |
| Earnings coverage of net charge-offs (x) | 2.5049% | 3,330 |
| Efficiency ratio | 67.1659% | 3,803 |
| Assets per employee ($millions) | 3.4280% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2363% | 88 |
| Loan loss allowance to noncurrent loans | 1,043.3333% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,436 |
| Noncurrent loans to loans | 0.4060% | 4,264 |
| Net loans and leases to total assets | 62.9706% | 3,416 |
| Net loans and leases to deposits | 71.5638% | 3,757 |
| Net loans and leases to core deposits | 72.2438% | 4,106 |
| Total domestic deposits to total assets | 87.9923% | 1,658 |
| Equity capital to assets | 10.6480% | 3,274 |
| Core capital (leverage) ratio | 10.0708% | 3,502 |
| Tier 1 risk-based capital ratio | 13.6516% | 4,125 |
| Total risk-based capital ratio | 14.9349% | 4,041 |
| Memoranda: | ||
| Average total assets | $202,343,000 | 2,972 |
| Average earning assets | $185,747,000 | 2,983 |
| Average equity | $21,277,000 | 3,083 |
| Average total loans | $136,817,000 | 2,795 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 315 |
| Cost of funding earning assets | 0.2480% | 5,044 |
| Net interest margin | 5.1211% | 201 |
| Noninterest income to average assets | 1.2748% | 707 |
| Noninterest expense to average assets | 4.0259% | 669 |
| Loan and lease loss provision to assets | 0.9724% | 84 |
| Net operating income to assets | 0.6147% | 4,220 |
| Return on assets (ROA) | 0.6147% | 4,310 |
| Pretax return on assets | 0.9704% | 3,604 |
| Return on Equity (ROE) | 5.8825% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.8825% | 2,558 |
| Net charge-offs to loans | 1.2369% | 173 |
| Credit loss provision to net charge-offs | 114.6853% | 1,480 |
| Earnings coverage of net charge-offs (x) | 2.2914% | 2,786 |
| Efficiency ratio | 67.4503% | 3,913 |
| Assets per employee ($millions) | 3.3505% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0401% | 121 |
| Loan loss allowance to noncurrent loans | 916.1840% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 3,204 |
| Noncurrent loans to loans | 0.4410% | 4,272 |
| Net loans and leases to total assets | 62.5004% | 3,286 |
| Net loans and leases to deposits | 70.6806% | 3,670 |
| Net loans and leases to core deposits | 71.2400% | 4,037 |
| Total domestic deposits to total assets | 88.4265% | 1,586 |
| Equity capital to assets | 10.4183% | 3,626 |
| Core capital (leverage) ratio | 10.0658% | 3,515 |
| Tier 1 risk-based capital ratio | 13.5586% | 4,294 |
| Total risk-based capital ratio | 14.8398% | 4,195 |
| Memoranda: | ||
| Average total assets | $202,388,000 | 2,987 |
| Average earning assets | $185,507,500 | 2,992 |
| Average equity | $21,147,500 | 3,122 |
| Average total loans | $138,728,500 | 2,768 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0821% | 660 |
| Cost of funding earning assets | 0.2710% | 5,084 |
| Net interest margin | 4.8111% | 428 |
| Noninterest income to average assets | 1.1149% | 981 |
| Noninterest expense to average assets | 3.8128% | 972 |
| Loan and lease loss provision to assets | 1.0006% | 111 |
| Net operating income to assets | 0.4716% | 4,918 |
| Return on assets (ROA) | 0.4716% | 5,016 |
| Pretax return on assets | 0.7311% | 4,505 |
| Return on Equity (ROE) | 4.6002% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.6002% | 2,906 |
| Net charge-offs to loans | 0.8486% | 397 |
| Credit loss provision to net charge-offs | 179.8206% | 1,352 |
| Earnings coverage of net charge-offs (x) | 3.1121% | 3,975 |
| Efficiency ratio | 68.7669% | 3,757 |
| Assets per employee ($millions) | 3.3399% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6823% | 163 |
| Loan loss allowance to noncurrent loans | 532.0320% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 3,444 |
| Noncurrent loans to loans | 0.6921% | 3,606 |
| Net loans and leases to total assets | 69.3755% | 2,327 |
| Net loans and leases to deposits | 78.8839% | 2,855 |
| Net loans and leases to core deposits | 79.2893% | 3,376 |
| Total domestic deposits to total assets | 87.9463% | 1,800 |
| Equity capital to assets | 10.4803% | 3,514 |
| Core capital (leverage) ratio | 10.1488% | 3,369 |
| Tier 1 risk-based capital ratio | 12.2903% | 5,165 |
| Total risk-based capital ratio | 13.5675% | 5,060 |
| Memoranda: | ||
| Average total assets | $200,379,400 | 2,992 |
| Average earning assets | $184,491,200 | 2,982 |
| Average equity | $20,542,600 | 3,099 |
| Average total loans | $131,386,200 | 2,842 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 901 |
| Cost of funding earning assets | 0.2742% | 5,165 |
| Net interest margin | 4.6412% | 571 |
| Noninterest income to average assets | 1.0899% | 1,025 |
| Noninterest expense to average assets | 3.7442% | 1,052 |
| Loan and lease loss provision to assets | 0.8843% | 132 |
| Net operating income to assets | 0.4844% | 4,930 |
| Return on assets (ROA) | 0.4844% | 5,001 |
| Pretax return on assets | 0.7519% | 4,522 |
| Return on Equity (ROE) | 4.7516% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.7516% | 3,243 |
| Net charge-offs to loans | 0.6794% | 516 |
| Credit loss provision to net charge-offs | 203.5222% | 1,247 |
| Earnings coverage of net charge-offs (x) | 3.7657% | 3,596 |
| Efficiency ratio | 69.5894% | 3,580 |
| Assets per employee ($millions) | 3.2491% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8879% | 177 |
| Loan loss allowance to noncurrent loans | 492.3745% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 3,470 |
| Noncurrent loans to loans | 0.7896% | 3,608 |
| Net loans and leases to total assets | 63.6243% | 3,243 |
| Net loans and leases to deposits | 72.3510% | 3,651 |
| Net loans and leases to core deposits | 72.7244% | 4,083 |
| Total domestic deposits to total assets | 87.9383% | 1,799 |
| Equity capital to assets | 10.4910% | 3,574 |
| Core capital (leverage) ratio | 10.0806% | 3,556 |
| Tier 1 risk-based capital ratio | 13.0980% | 4,801 |
| Total risk-based capital ratio | 14.3768% | 4,716 |
| Memoranda: | ||
| Average total assets | $200,375,500 | 3,011 |
| Average earning assets | $185,233,750 | 2,996 |
| Average equity | $20,427,750 | 3,123 |
| Average total loans | $128,147,750 | 2,912 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 1,148 |
| Cost of funding earning assets | 0.2785% | 5,211 |
| Net interest margin | 4.4854% | 726 |
| Noninterest income to average assets | 1.1556% | 875 |
| Noninterest expense to average assets | 3.7354% | 1,073 |
| Loan and lease loss provision to assets | 0.7916% | 156 |
| Net operating income to assets | 0.4993% | 4,811 |
| Return on assets (ROA) | 0.4993% | 4,895 |
| Pretax return on assets | 0.7767% | 4,358 |
| Return on Equity (ROE) | 4.9444% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.9444% | 2,994 |
| Net charge-offs to loans | 0.6073% | 663 |
| Credit loss provision to net charge-offs | 206.2176% | 1,139 |
| Earnings coverage of net charge-offs (x) | 4.0855% | 3,178 |
| Efficiency ratio | 70.4294% | 3,586 |
| Assets per employee ($millions) | 3.2017% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8385% | 196 |
| Loan loss allowance to noncurrent loans | 534.8451% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 3,227 |
| Noncurrent loans to loans | 0.7177% | 3,910 |
| Net loans and leases to total assets | 61.0183% | 3,560 |
| Net loans and leases to deposits | 69.1294% | 3,922 |
| Net loans and leases to core deposits | 69.4835% | 4,320 |
| Total domestic deposits to total assets | 88.2669% | 1,753 |
| Equity capital to assets | 10.3664% | 3,600 |
| Core capital (leverage) ratio | 9.7815% | 3,915 |
| Tier 1 risk-based capital ratio | 13.3615% | 4,682 |
| Total risk-based capital ratio | 14.6394% | 4,606 |
| Memoranda: | ||
| Average total assets | $201,101,330 | 3,023 |
| Average earning assets | $185,983,000 | 3,001 |
| Average equity | $20,306,000 | 3,138 |
| Average total loans | $127,129,330 | 2,923 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,428 |
| Cost of funding earning assets | 0.2775% | 5,312 |
| Net interest margin | 4.3507% | 895 |
| Noninterest income to average assets | 1.0415% | 1,035 |
| Noninterest expense to average assets | 3.8241% | 943 |
| Loan and lease loss provision to assets | 0.6324% | 204 |
| Net operating income to assets | 0.4012% | 5,109 |
| Return on assets (ROA) | 0.4012% | 5,178 |
| Pretax return on assets | 0.6127% | 4,788 |
| Return on Equity (ROE) | 4.0258% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.0258% | 3,700 |
| Net charge-offs to loans | 0.5387% | 687 |
| Credit loss provision to net charge-offs | 186.0465% | 1,102 |
| Earnings coverage of net charge-offs (x) | 3.6628% | 2,647 |
| Efficiency ratio | 75.4386% | 2,882 |
| Assets per employee ($millions) | 3.3961% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7219% | 229 |
| Loan loss allowance to noncurrent loans | 613.0027% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 3,663 |
| Noncurrent loans to loans | 0.6072% | 4,341 |
| Net loans and leases to total assets | 58.0557% | 3,831 |
| Net loans and leases to deposits | 65.3277% | 4,164 |
| Net loans and leases to core deposits | 65.6492% | 4,529 |
| Total domestic deposits to total assets | 88.8684% | 1,741 |
| Equity capital to assets | 9.9439% | 3,909 |
| Core capital (leverage) ratio | 9.5361% | 4,230 |
| Tier 1 risk-based capital ratio | 13.3510% | 4,795 |
| Total risk-based capital ratio | 14.6275% | 4,711 |
| Memoranda: | ||
| Average total assets | $202,399,000 | 3,021 |
| Average earning assets | $187,370,000 | 3,003 |
| Average equity | $20,170,000 | 3,158 |
| Average total loans | $127,714,000 | 2,910 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 3,093 |
| Cost of funding earning assets | 0.3436% | 5,205 |
| Net interest margin | 3.9208% | 2,218 |
| Noninterest income to average assets | 1.1295% | 1,099 |
| Noninterest expense to average assets | 3.2636% | 2,236 |
| Loan and lease loss provision to assets | 0.6812% | 341 |
| Net operating income to assets | 0.5220% | 4,637 |
| Return on assets (ROA) | 0.5220% | 4,763 |
| Pretax return on assets | 0.8130% | 4,095 |
| Return on Equity (ROE) | 5.4372% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.4372% | 2,322 |
| Net charge-offs to loans | 0.1402% | 3,407 |
| Credit loss provision to net charge-offs | 801.1561% | 307 |
| Earnings coverage of net charge-offs (x) | 17.5723% | 1,705 |
| Efficiency ratio | 68.5950% | 4,078 |
| Assets per employee ($millions) | 3.2425% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3381% | 332 |
| Loan loss allowance to noncurrent loans | 625.0000% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 3,843 |
| Noncurrent loans to loans | 0.5341% | 4,658 |
| Net loans and leases to total assets | 63.7372% | 3,085 |
| Net loans and leases to deposits | 71.6621% | 3,573 |
| Net loans and leases to core deposits | 72.0186% | 4,065 |
| Total domestic deposits to total assets | 88.9412% | 1,670 |
| Equity capital to assets | 9.9873% | 3,794 |
| Core capital (leverage) ratio | 9.5614% | 4,171 |
| Tier 1 risk-based capital ratio | 12.3213% | 5,415 |
| Total risk-based capital ratio | 13.5927% | 5,326 |
| Memoranda: | ||
| Average total assets | $203,454,600 | 2,995 |
| Average earning assets | $188,278,600 | 2,974 |
| Average equity | $19,532,000 | 3,206 |
| Average total loans | $123,362,000 | 2,978 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,852 |
| Cost of funding earning assets | 0.3570% | 5,227 |
| Net interest margin | 3.7180% | 2,963 |
| Noninterest income to average assets | 1.0977% | 1,210 |
| Noninterest expense to average assets | 3.2009% | 2,366 |
| Loan and lease loss provision to assets | 0.5632% | 457 |
| Net operating income to assets | 0.4998% | 4,794 |
| Return on assets (ROA) | 0.4998% | 4,956 |
| Pretax return on assets | 0.7762% | 4,399 |
| Return on Equity (ROE) | 5.2588% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.2588% | 2,899 |
| Net charge-offs to loans | 0.0617% | 4,019 |
| Credit loss provision to net charge-offs | 1,539.2857% | 208 |
| Earnings coverage of net charge-offs (x) | 36.6096% | 1,067 |
| Efficiency ratio | 70.4994% | 3,671 |
| Assets per employee ($millions) | 3.1934% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3438% | 394 |
| Loan loss allowance to noncurrent loans | 360.3587% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 4,075 |
| Noncurrent loans to loans | 0.9279% | 3,959 |
| Net loans and leases to total assets | 58.6626% | 3,899 |
| Net loans and leases to deposits | 65.9544% | 4,312 |
| Net loans and leases to core deposits | 66.2849% | 4,685 |
| Total domestic deposits to total assets | 88.9443% | 1,582 |
| Equity capital to assets | 9.9996% | 3,903 |
| Core capital (leverage) ratio | 9.5043% | 4,400 |
| Tier 1 risk-based capital ratio | 13.0860% | 5,065 |
| Total risk-based capital ratio | 14.3568% | 5,001 |
| Memoranda: | ||
| Average total assets | $204,059,500 | 3,005 |
| Average earning assets | $188,951,250 | 2,987 |
| Average equity | $19,395,500 | 3,258 |
| Average total loans | $121,062,750 | 3,037 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,347 |
| Cost of funding earning assets | 0.3657% | 5,259 |
| Net interest margin | 3.5665% | 3,493 |
| Noninterest income to average assets | 0.9569% | 1,632 |
| Noninterest expense to average assets | 3.1201% | 2,606 |
| Loan and lease loss provision to assets | 0.4309% | 692 |
| Net operating income to assets | 0.4600% | 4,973 |
| Return on assets (ROA) | 0.4600% | 5,144 |
| Pretax return on assets | 0.7094% | 4,655 |
| Return on Equity (ROE) | 4.9218% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.9218% | 3,103 |
| Net charge-offs to loans | 0.0577% | 3,877 |
| Credit loss provision to net charge-offs | 1,268.5714% | 247 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 1,056 |
| Efficiency ratio | 73.2346% | 3,271 |
| Assets per employee ($millions) | 3.1266% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0544% | 551 |
| Loan loss allowance to noncurrent loans | 611.6554% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 4,884 |
| Noncurrent loans to loans | 0.4994% | 5,020 |
| Net loans and leases to total assets | 58.3483% | 3,932 |
| Net loans and leases to deposits | 65.3147% | 4,340 |
| Net loans and leases to core deposits | 65.6415% | 4,722 |
| Total domestic deposits to total assets | 89.3341% | 1,422 |
| Equity capital to assets | 9.8576% | 4,114 |
| Core capital (leverage) ratio | 9.1513% | 4,754 |
| Tier 1 risk-based capital ratio | 12.8754% | 5,239 |
| Total risk-based capital ratio | 14.1427% | 5,164 |
| Memoranda: | ||
| Average total assets | $206,083,330 | 2,988 |
| Average earning assets | $190,885,000 | 2,979 |
| Average equity | $19,261,330 | 3,298 |
| Average total loans | $121,362,670 | 3,044 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 5,013 |
| Cost of funding earning assets | 0.3703% | 5,368 |
| Net interest margin | 3.3720% | 4,225 |
| Noninterest income to average assets | 0.5450% | 3,475 |
| Noninterest expense to average assets | 2.8656% | 3,481 |
| Loan and lease loss provision to assets | 0.2222% | 1,666 |
| Net operating income to assets | 0.3760% | 5,229 |
| Return on assets (ROA) | 0.3760% | 5,366 |
| Pretax return on assets | 0.5697% | 5,051 |
| Return on Equity (ROE) | 4.1285% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.1285% | 3,746 |
| Net charge-offs to loans | 0.1206% | 2,699 |
| Credit loss provision to net charge-offs | 316.2162% | 766 |
| Earnings coverage of net charge-offs (x) | 11.2703% | 1,673 |
| Efficiency ratio | 78.3489% | 2,557 |
| Assets per employee ($millions) | 3.5397% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8381% | 788 |
| Loan loss allowance to noncurrent loans | 378.3908% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 4,055 |
| Noncurrent loans to loans | 0.7500% | 4,629 |
| Net loans and leases to total assets | 53.0664% | 4,546 |
| Net loans and leases to deposits | 58.8475% | 4,933 |
| Net loans and leases to core deposits | 59.1158% | 5,236 |
| Total domestic deposits to total assets | 90.1761% | 944 |
| Equity capital to assets | 9.0752% | 5,395 |
| Core capital (leverage) ratio | 8.7014% | 5,327 |
| Tier 1 risk-based capital ratio | 12.5281% | 5,558 |
| Total risk-based capital ratio | 13.7912% | 5,504 |
| Memoranda: | ||
| Average total assets | $210,638,000 | 2,973 |
| Average earning assets | $194,423,500 | 2,964 |
| Average equity | $19,183,500 | 3,350 |
| Average total loans | $122,768,000 | 3,030 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 4,627 |
| Cost of funding earning assets | 0.4943% | 5,257 |
| Net interest margin | 3.6966% | 3,663 |
| Noninterest income to average assets | 0.3936% | 4,658 |
| Noninterest expense to average assets | 2.8632% | 3,796 |
| Loan and lease loss provision to assets | 0.0375% | 5,411 |
| Net operating income to assets | 0.5734% | 4,368 |
| Return on assets (ROA) | 0.5734% | 4,622 |
| Pretax return on assets | 0.9036% | 3,905 |
| Return on Equity (ROE) | 6.1970% | 4,063 |
| Retained earnings to average equity (ytd only) | 6.1970% | 1,972 |
| Net charge-offs to loans | 0.0392% | 5,370 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 41.8667% | 770 |
| Efficiency ratio | 73.9102% | 3,084 |
| Assets per employee ($millions) | 3.3693% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 1,148 |
| Loan loss allowance to noncurrent loans | 255.7325% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 4,025 |
| Noncurrent loans to loans | 0.9696% | 4,256 |
| Net loans and leases to total assets | 60.4749% | 3,519 |
| Net loans and leases to deposits | 67.7600% | 4,016 |
| Net loans and leases to core deposits | 68.0766% | 4,522 |
| Total domestic deposits to total assets | 89.2487% | 1,408 |
| Equity capital to assets | 9.1400% | 5,348 |
| Core capital (leverage) ratio | 8.8860% | 5,057 |
| Tier 1 risk-based capital ratio | 11.5378% | 6,072 |
| Total risk-based capital ratio | 12.7979% | 6,032 |
| Memoranda: | ||
| Average total assets | $200,193,400 | 3,043 |
| Average earning assets | $184,711,000 | 3,031 |
| Average equity | $18,525,200 | 3,399 |
| Average total loans | $114,772,200 | 3,194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 4,854 |
| Cost of funding earning assets | 0.5140% | 5,348 |
| Net interest margin | 3.6753% | 3,900 |
| Noninterest income to average assets | 0.3952% | 4,673 |
| Noninterest expense to average assets | 2.9007% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5696% | 4,522 |
| Return on assets (ROA) | 0.5696% | 4,795 |
| Pretax return on assets | 0.8982% | 4,105 |
| Return on Equity (ROE) | 6.1359% | 4,270 |
| Retained earnings to average equity (ytd only) | 6.1359% | 2,614 |
| Net charge-offs to loans | 0.0528% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 30.3157% | 1,088 |
| Efficiency ratio | 74.8671% | 2,845 |
| Assets per employee ($millions) | 3.2736% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8518% | 845 |
| Loan loss allowance to noncurrent loans | 174.8189% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 3,646 |
| Noncurrent loans to loans | 1.6313% | 3,350 |
| Net loans and leases to total assets | 53.5325% | 4,816 |
| Net loans and leases to deposits | 59.6691% | 5,243 |
| Net loans and leases to core deposits | 59.9569% | 5,564 |
| Total domestic deposits to total assets | 89.7156% | 992 |
| Equity capital to assets | 9.4231% | 5,300 |
| Core capital (leverage) ratio | 8.9755% | 5,099 |
| Tier 1 risk-based capital ratio | 12.7965% | 5,410 |
| Total risk-based capital ratio | 14.0593% | 5,361 |
| Memoranda: | ||
| Average total assets | $198,018,000 | 3,105 |
| Average earning assets | $183,384,250 | 3,074 |
| Average equity | $18,383,250 | 3,455 |
| Average total loans | $111,080,000 | 3,302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 5,022 |
| Cost of funding earning assets | 0.5373% | 5,393 |
| Net interest margin | 3.6434% | 4,068 |
| Noninterest income to average assets | 0.3889% | 4,734 |
| Noninterest expense to average assets | 2.9211% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5439% | 4,606 |
| Return on assets (ROA) | 0.5439% | 4,888 |
| Pretax return on assets | 0.8468% | 4,290 |
| Return on Equity (ROE) | 5.8886% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.8886% | 2,767 |
| Net charge-offs to loans | -0.0431% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0215% | 2,740 |
| Assets per employee ($millions) | 3.2610% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8820% | 882 |
| Loan loss allowance to noncurrent loans | 163.9059% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 3,608 |
| Noncurrent loans to loans | 1.7583% | 3,260 |
| Net loans and leases to total assets | 54.3113% | 4,743 |
| Net loans and leases to deposits | 60.4644% | 5,202 |
| Net loans and leases to core deposits | 60.7562% | 5,512 |
| Total domestic deposits to total assets | 89.8235% | 1,030 |
| Equity capital to assets | 9.2957% | 5,327 |
| Core capital (leverage) ratio | 8.7407% | 5,314 |
| Tier 1 risk-based capital ratio | 12.4973% | 5,566 |
| Total risk-based capital ratio | 13.7603% | 5,538 |
| Memoranda: | ||
| Average total assets | $197,460,670 | 3,117 |
| Average earning assets | $183,126,670 | 3,082 |
| Average equity | $18,238,670 | 3,465 |
| Average total loans | $111,427,670 | 3,301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 5,387 |
| Cost of funding earning assets | 0.5615% | 5,418 |
| Net interest margin | 3.5579% | 4,452 |
| Noninterest income to average assets | 0.3944% | 4,713 |
| Noninterest expense to average assets | 2.9970% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4534% | 5,019 |
| Return on assets (ROA) | 0.4534% | 5,208 |
| Pretax return on assets | 0.6954% | 4,808 |
| Return on Equity (ROE) | 4.9248% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.9248% | 3,601 |
| Net charge-offs to loans | -0.0395% | 6,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6256% | 2,250 |
| Assets per employee ($millions) | 3.3327% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9342% | 889 |
| Loan loss allowance to noncurrent loans | 195.4100% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 4,292 |
| Noncurrent loans to loans | 1.5015% | 3,871 |
| Net loans and leases to total assets | 52.8246% | 4,903 |
| Net loans and leases to deposits | 58.6998% | 5,302 |
| Net loans and leases to core deposits | 58.9788% | 5,626 |
| Total domestic deposits to total assets | 89.9910% | 1,090 |
| Equity capital to assets | 9.1128% | 5,339 |
| Core capital (leverage) ratio | 8.6936% | 5,301 |
| Tier 1 risk-based capital ratio | 12.4391% | 5,654 |
| Total risk-based capital ratio | 13.7025% | 5,610 |
| Memoranda: | ||
| Average total assets | $196,731,000 | 3,150 |
| Average earning assets | $182,356,500 | 3,119 |
| Average equity | $18,112,500 | 3,484 |
| Average total loans | $111,520,500 | 3,317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 5,320 |
| Cost of funding earning assets | 0.7587% | 5,147 |
| Net interest margin | 3.6689% | 4,436 |
| Noninterest income to average assets | 0.4231% | 4,426 |
| Noninterest expense to average assets | 3.0497% | 3,394 |
| Loan and lease loss provision to assets | 0.1510% | 4,732 |
| Net operating income to assets | 0.4119% | 4,808 |
| Return on assets (ROA) | 0.4119% | 4,996 |
| Pretax return on assets | 0.6178% | 4,636 |
| Return on Equity (ROE) | 4.4022% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.4022% | 3,040 |
| Net charge-offs to loans | 0.0038% | 6,392 |
| Credit loss provision to net charge-offs | 7,075.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 360.2500% | 97 |
| Efficiency ratio | 78.3010% | 2,553 |
| Assets per employee ($millions) | 3.3362% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7859% | 995 |
| Loan loss allowance to noncurrent loans | 201.1378% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 4,393 |
| Noncurrent loans to loans | 1.3850% | 4,068 |
| Net loans and leases to total assets | 57.3834% | 4,482 |
| Net loans and leases to deposits | 63.9362% | 5,019 |
| Net loans and leases to core deposits | 64.2496% | 5,439 |
| Total domestic deposits to total assets | 89.7510% | 1,129 |
| Equity capital to assets | 9.3038% | 5,143 |
| Core capital (leverage) ratio | 8.7845% | 5,127 |
| Tier 1 risk-based capital ratio | 11.9107% | 5,891 |
| Total risk-based capital ratio | 13.1732% | 5,862 |
| Memoranda: | ||
| Average total assets | $187,426,800 | 3,225 |
| Average earning assets | $173,457,200 | 3,180 |
| Average equity | $17,536,800 | 3,498 |
| Average total loans | $106,105,000 | 3,472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 5,507 |
| Cost of funding earning assets | 0.7999% | 5,149 |
| Net interest margin | 3.6277% | 4,668 |
| Noninterest income to average assets | 0.4418% | 4,353 |
| Noninterest expense to average assets | 3.0911% | 3,192 |
| Loan and lease loss provision to assets | 0.1061% | 5,112 |
| Net operating income to assets | 0.4045% | 4,977 |
| Return on assets (ROA) | 0.4045% | 5,164 |
| Pretax return on assets | 0.6046% | 4,795 |
| Return on Equity (ROE) | 4.3167% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.3167% | 3,656 |
| Net charge-offs to loans | 0.0128% | 5,969 |
| Credit loss provision to net charge-offs | 1,480.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 99.1223% | 368 |
| Efficiency ratio | 79.7208% | 2,292 |
| Assets per employee ($millions) | 3.1459% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9676% | 885 |
| Loan loss allowance to noncurrent loans | 270.5516% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 4,946 |
| Noncurrent loans to loans | 1.0969% | 4,723 |
| Net loans and leases to total assets | 52.6781% | 5,362 |
| Net loans and leases to deposits | 58.7574% | 5,771 |
| Net loans and leases to core deposits | 59.0505% | 6,055 |
| Total domestic deposits to total assets | 89.6536% | 1,065 |
| Equity capital to assets | 9.4410% | 5,177 |
| Core capital (leverage) ratio | 8.7950% | 5,271 |
| Tier 1 risk-based capital ratio | 12.6421% | 5,377 |
| Total risk-based capital ratio | 13.9059% | 5,348 |
| Memoranda: | ||
| Average total assets | $185,908,000 | 3,264 |
| Average earning assets | $172,190,750 | 3,215 |
| Average equity | $17,420,250 | 3,522 |
| Average total loans | $104,076,250 | 3,543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 5,409 |
| Cost of funding earning assets | 0.8379% | 5,136 |
| Net interest margin | 3.6440% | 4,546 |
| Noninterest income to average assets | 0.4369% | 4,369 |
| Noninterest expense to average assets | 3.1715% | 2,998 |
| Loan and lease loss provision to assets | 0.1460% | 4,484 |
| Net operating income to assets | 0.3428% | 5,207 |
| Return on assets (ROA) | 0.3428% | 5,340 |
| Pretax return on assets | 0.5006% | 5,072 |
| Return on Equity (ROE) | 3.6675% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.6675% | 3,889 |
| Net charge-offs to loans | -0.0096% | 6,678 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4783% | 2,176 |
| Assets per employee ($millions) | 2.9698% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9844% | 912 |
| Loan loss allowance to noncurrent loans | 293.4426% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 5,138 |
| Noncurrent loans to loans | 1.0170% | 4,960 |
| Net loans and leases to total assets | 52.8718% | 5,453 |
| Net loans and leases to deposits | 58.8598% | 5,839 |
| Net loans and leases to core deposits | 59.1544% | 6,175 |
| Total domestic deposits to total assets | 89.8266% | 1,060 |
| Equity capital to assets | 9.3695% | 5,040 |
| Core capital (leverage) ratio | 8.7251% | 5,182 |
| Tier 1 risk-based capital ratio | 12.5010% | 5,346 |
| Total risk-based capital ratio | 13.7649% | 5,307 |
| Memoranda: | ||
| Average total assets | $184,960,000 | 3,301 |
| Average earning assets | $171,626,670 | 3,249 |
| Average equity | $17,287,000 | 3,529 |
| Average total loans | $104,611,000 | 3,568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 5,637 |
| Cost of funding earning assets | 0.8644% | 5,173 |
| Net interest margin | 3.5512% | 4,811 |
| Noninterest income to average assets | 0.4655% | 4,148 |
| Noninterest expense to average assets | 3.1584% | 3,033 |
| Loan and lease loss provision to assets | 0.2937% | 2,808 |
| Net operating income to assets | 0.2371% | 5,656 |
| Return on assets (ROA) | 0.2371% | 5,724 |
| Pretax return on assets | 0.3198% | 5,598 |
| Return on Equity (ROE) | 2.5400% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.5400% | 4,639 |
| Net charge-offs to loans | -0.0680% | 6,981 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1223% | 2,209 |
| Assets per employee ($millions) | 3.1658% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9940% | 921 |
| Loan loss allowance to noncurrent loans | 156.5574% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 4,831 |
| Noncurrent loans to loans | 1.9124% | 3,684 |
| Net loans and leases to total assets | 52.1277% | 5,565 |
| Net loans and leases to deposits | 57.7658% | 5,947 |
| Net loans and leases to core deposits | 58.0469% | 6,250 |
| Total domestic deposits to total assets | 90.2398% | 997 |
| Equity capital to assets | 9.0605% | 5,112 |
| Core capital (leverage) ratio | 8.6708% | 5,139 |
| Tier 1 risk-based capital ratio | 12.2996% | 5,438 |
| Total risk-based capital ratio | 13.5632% | 5,418 |
| Memoranda: | ||
| Average total assets | $183,892,000 | 3,339 |
| Average earning assets | $171,209,000 | 3,280 |
| Average equity | $17,165,500 | 3,539 |
| Average total loans | $105,934,500 | 3,580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 4,155 |
| Cost of funding earning assets | 1.0737% | 5,295 |
| Net interest margin | 4.0125% | 2,966 |
| Noninterest income to average assets | 0.5125% | 4,074 |
| Noninterest expense to average assets | 3.1069% | 3,426 |
| Loan and lease loss provision to assets | 1.5120% | 977 |
| Net operating income to assets | -0.1935% | 6,110 |
| Return on assets (ROA) | -0.1935% | 6,159 |
| Pretax return on assets | -0.4053% | 6,246 |
| Return on Equity (ROE) | -2.1131% | 6,182 |
| Retained earnings to average equity (ytd only) | -2.1131% | 5,981 |
| Net charge-offs to loans | 0.7855% | 2,673 |
| Credit loss provision to net charge-offs | 322.9091% | 801 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 3,963 |
| Efficiency ratio | 72.0905% | 3,774 |
| Assets per employee ($millions) | 3.0662% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6439% | 1,236 |
| Loan loss allowance to noncurrent loans | 125.3454% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3321% | 4,359 |
| Noncurrent loans to loans | 2.1093% | 3,422 |
| Net loans and leases to total assets | 60.1083% | 4,661 |
| Net loans and leases to deposits | 67.0964% | 5,233 |
| Net loans and leases to core deposits | 67.4461% | 5,721 |
| Total domestic deposits to total assets | 89.5850% | 1,340 |
| Equity capital to assets | 9.6272% | 4,242 |
| Core capital (leverage) ratio | 8.8524% | 4,773 |
| Tier 1 risk-based capital ratio | 11.7996% | 5,651 |
| Total risk-based capital ratio | 13.0613% | 5,634 |
| Memoranda: | ||
| Average total assets | $176,186,600 | 3,432 |
| Average earning assets | $162,515,200 | 3,402 |
| Average equity | $16,137,200 | 3,733 |
| Average total loans | $105,031,800 | 3,655 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 4,248 |
| Cost of funding earning assets | 1.1098% | 5,369 |
| Net interest margin | 4.0035% | 3,091 |
| Noninterest income to average assets | 0.5234% | 4,000 |
| Noninterest expense to average assets | 3.1441% | 3,129 |
| Loan and lease loss provision to assets | 1.8667% | 667 |
| Net operating income to assets | -0.4293% | 6,545 |
| Return on assets (ROA) | -0.4293% | 6,584 |
| Pretax return on assets | -0.8018% | 6,738 |
| Return on Equity (ROE) | -4.7488% | 6,630 |
| Retained earnings to average equity (ytd only) | -4.7488% | 6,536 |
| Net charge-offs to loans | 1.1363% | 1,795 |
| Credit loss provision to net charge-offs | 278.0791% | 1,168 |
| Earnings coverage of net charge-offs (x) | 1.5864% | 4,528 |
| Efficiency ratio | 73.0222% | 3,521 |
| Assets per employee ($millions) | 3.0042% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5486% | 1,271 |
| Loan loss allowance to noncurrent loans | 150.2561% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 5,030 |
| Noncurrent loans to loans | 1.6962% | 4,091 |
| Net loans and leases to total assets | 57.9347% | 5,276 |
| Net loans and leases to deposits | 64.7156% | 5,823 |
| Net loans and leases to core deposits | 64.9337% | 6,216 |
| Total domestic deposits to total assets | 89.5220% | 1,114 |
| Equity capital to assets | 9.7405% | 4,482 |
| Core capital (leverage) ratio | 8.9476% | 4,766 |
| Tier 1 risk-based capital ratio | 12.0221% | 5,441 |
| Total risk-based capital ratio | 13.2843% | 5,399 |
| Memoranda: | ||
| Average total assets | $175,773,500 | 3,487 |
| Average earning assets | $161,820,500 | 3,467 |
| Average equity | $15,891,250 | 3,831 |
| Average total loans | $103,840,000 | 3,737 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 4,419 |
| Cost of funding earning assets | 1.1369% | 5,477 |
| Net interest margin | 3.9698% | 3,163 |
| Noninterest income to average assets | 0.5094% | 4,034 |
| Noninterest expense to average assets | 3.1404% | 3,139 |
| Loan and lease loss provision to assets | 2.1783% | 554 |
| Net operating income to assets | -0.6444% | 6,773 |
| Return on assets (ROA) | -0.6444% | 6,799 |
| Pretax return on assets | -1.1606% | 6,960 |
| Return on Equity (ROE) | -7.3144% | 6,856 |
| Retained earnings to average equity (ytd only) | -7.3144% | 6,765 |
| Net charge-offs to loans | 0.1078% | 5,084 |
| Credit loss provision to net charge-offs | 3,428.5714% | 117 |
| Earnings coverage of net charge-offs (x) | 16.0179% | 1,422 |
| Efficiency ratio | 73.7790% | 3,513 |
| Assets per employee ($millions) | 2.9109% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8597% | 946 |
| Loan loss allowance to noncurrent loans | 117.5432% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 4,369 |
| Noncurrent loans to loans | 2.4329% | 3,217 |
| Net loans and leases to total assets | 56.0139% | 5,703 |
| Net loans and leases to deposits | 62.4851% | 6,185 |
| Net loans and leases to core deposits | 63.0871% | 6,476 |
| Total domestic deposits to total assets | 89.6437% | 1,102 |
| Equity capital to assets | 9.5560% | 4,624 |
| Core capital (leverage) ratio | 8.8872% | 4,775 |
| Tier 1 risk-based capital ratio | 12.1512% | 5,171 |
| Total risk-based capital ratio | 13.4139% | 5,139 |
| Memoranda: | ||
| Average total assets | $176,284,330 | 3,501 |
| Average earning assets | $162,022,330 | 3,482 |
| Average equity | $15,531,000 | 3,884 |
| Average total loans | $103,924,670 | 3,770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 3,910 |
| Cost of funding earning assets | 1.1571% | 5,618 |
| Net interest margin | 4.0647% | 2,586 |
| Noninterest income to average assets | 0.5306% | 3,813 |
| Noninterest expense to average assets | 3.2087% | 2,822 |
| Loan and lease loss provision to assets | 0.5283% | 2,388 |
| Net operating income to assets | 0.2915% | 5,329 |
| Return on assets (ROA) | 0.2915% | 5,460 |
| Pretax return on assets | 0.5215% | 4,888 |
| Return on Equity (ROE) | 3.4565% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.4565% | 4,076 |
| Net charge-offs to loans | -0.0038% | 6,794 |
| Credit loss provision to net charge-offs | -23,200.0000% | 6,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1337% | 3,370 |
| Assets per employee ($millions) | 3.1048% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 5,051 |
| Loan loss allowance to noncurrent loans | 1,409.7826% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 7,355 |
| Noncurrent loans to loans | 0.0907% | 7,166 |
| Net loans and leases to total assets | 57.5982% | 5,511 |
| Net loans and leases to deposits | 63.6555% | 6,087 |
| Net loans and leases to core deposits | 64.2757% | 6,436 |
| Total domestic deposits to total assets | 90.4843% | 746 |
| Equity capital to assets | 8.5478% | 5,941 |
| Core capital (leverage) ratio | 7.8209% | 6,470 |
| Tier 1 risk-based capital ratio | 10.6746% | 6,468 |
| Total risk-based capital ratio | 11.7148% | 6,657 |
| Memoranda: | ||
| Average total assets | $175,645,000 | 3,565 |
| Average earning assets | $161,093,500 | 3,542 |
| Average equity | $14,812,500 | 4,055 |
| Average total loans | $104,693,000 | 3,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6328% | 3,427 |
| Cost of funding earning assets | 1.3210% | 6,239 |
| Net interest margin | 4.3118% | 1,684 |
| Noninterest income to average assets | 0.5954% | 3,668 |
| Noninterest expense to average assets | 3.4276% | 2,589 |
| Loan and lease loss provision to assets | 0.5939% | 3,419 |
| Net operating income to assets | 0.3342% | 4,393 |
| Return on assets (ROA) | 0.3342% | 4,484 |
| Pretax return on assets | 0.5278% | 4,113 |
| Return on Equity (ROE) | 3.3746% | 4,347 |
| Retained earnings to average equity (ytd only) | -2.7611% | 5,655 |
| Net charge-offs to loans | 0.7936% | 2,838 |
| Credit loss provision to net charge-offs | 114.8311% | 4,760 |
| Earnings coverage of net charge-offs (x) | 2.1689% | 4,095 |
| Efficiency ratio | 75.0751% | 3,695 |
| Assets per employee ($millions) | 3.1126% | 5,959 |
| Cash dividends to net income (ytd only)* | 181.8182% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,464 |
| Loan loss allowance to noncurrent loans | 578.2609% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 7,112 |
| Noncurrent loans to loans | 0.1705% | 6,998 |
| Net loans and leases to total assets | 60.2407% | 5,299 |
| Net loans and leases to deposits | 66.3606% | 6,011 |
| Net loans and leases to core deposits | 70.5444% | 6,734 |
| Total domestic deposits to total assets | 90.7778% | 626 |
| Equity capital to assets | 8.3209% | 6,169 |
| Core capital (leverage) ratio | 9.8990% | 3,195 |
| Tier 1 risk-based capital ratio | 10.2523% | 6,632 |
| Total risk-based capital ratio | 11.0819% | 6,981 |
| Memoranda: | ||
| Average total assets | $131,667,200 | 4,307 |
| Average earning assets | $120,739,600 | 4,296 |
| Average equity | $13,038,400 | 4,502 |
| Average total loans | $85,810,800 | 4,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 2,218 |
| Cost of funding earning assets | 1.4248% | 6,137 |
| Net interest margin | 4.5283% | 1,124 |
| Noninterest income to average assets | 0.6443% | 3,387 |
| Noninterest expense to average assets | 3.6829% | 1,863 |
| Loan and lease loss provision to assets | 0.3881% | 3,990 |
| Net operating income to assets | 0.4680% | 4,131 |
| Return on assets (ROA) | 0.4680% | 4,226 |
| Pretax return on assets | 0.7463% | 3,709 |
| Return on Equity (ROE) | 4.4629% | 4,180 |
| Retained earnings to average equity (ytd only) | -1.8825% | 5,698 |
| Net charge-offs to loans | 0.4634% | 3,367 |
| Credit loss provision to net charge-offs | 125.4480% | 4,013 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,433 |
| Efficiency ratio | 76.1740% | 3,481 |
| Assets per employee ($millions) | 2.5533% | 7,139 |
| Cash dividends to net income (ytd only)* | 142.1808% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 4,638 |
| Loan loss allowance to noncurrent loans | 268.5714% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 6,507 |
| Noncurrent loans to loans | 0.4753% | 6,367 |
| Net loans and leases to total assets | 66.6311% | 4,276 |
| Net loans and leases to deposits | 75.3771% | 5,144 |
| Net loans and leases to core deposits | 80.4281% | 6,316 |
| Total domestic deposits to total assets | 88.3971% | 1,477 |
| Equity capital to assets | 10.3980% | 3,619 |
| Core capital (leverage) ratio | 9.9439% | 3,349 |
| Tier 1 risk-based capital ratio | 12.6379% | 4,448 |
| Total risk-based capital ratio | 13.7472% | 4,497 |
| Memoranda: | ||
| Average total assets | $120,229,000 | 4,590 |
| Average earning assets | $110,797,500 | 4,566 |
| Average equity | $12,607,250 | 4,630 |
| Average total loans | $80,277,750 | 4,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0340% | 2,039 |
| Cost of funding earning assets | 1.4412% | 6,347 |
| Net interest margin | 4.5928% | 969 |
| Noninterest income to average assets | 0.6184% | 3,545 |
| Noninterest expense to average assets | 3.7106% | 1,820 |
| Loan and lease loss provision to assets | 0.4572% | 3,242 |
| Net operating income to assets | 0.4273% | 4,389 |
| Return on assets (ROA) | 0.4273% | 4,502 |
| Pretax return on assets | 0.6783% | 4,075 |
| Return on Equity (ROE) | 4.0631% | 4,470 |
| Retained earnings to average equity (ytd only) | -2.2608% | 5,802 |
| Net charge-offs to loans | 0.4423% | 3,041 |
| Credit loss provision to net charge-offs | 155.3672% | 2,960 |
| Earnings coverage of net charge-offs (x) | 3.8588% | 3,292 |
| Efficiency ratio | 76.2950% | 3,638 |
| Assets per employee ($millions) | 2.5236% | 7,207 |
| Cash dividends to net income (ytd only)* | 155.6420% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 4,092 |
| Loan loss allowance to noncurrent loans | 828.9063% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 7,130 |
| Noncurrent loans to loans | 0.1606% | 7,123 |
| Net loans and leases to total assets | 64.9371% | 4,775 |
| Net loans and leases to deposits | 73.3089% | 5,565 |
| Net loans and leases to core deposits | 77.1893% | 6,597 |
| Total domestic deposits to total assets | 88.5801% | 1,491 |
| Equity capital to assets | 10.3367% | 3,585 |
| Core capital (leverage) ratio | 9.7778% | 3,545 |
| Tier 1 risk-based capital ratio | 12.7840% | 4,298 |
| Total risk-based capital ratio | 13.9325% | 4,284 |
| Memoranda: | ||
| Average total assets | $120,304,000 | 4,625 |
| Average earning assets | $110,738,670 | 4,606 |
| Average equity | $12,650,330 | 4,645 |
| Average total loans | $80,039,000 | 4,581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2377% | 1,482 |
| Cost of funding earning assets | 1.4576% | 6,550 |
| Net interest margin | 4.7800% | 636 |
| Noninterest income to average assets | 0.5939% | 3,592 |
| Noninterest expense to average assets | 3.6767% | 1,698 |
| Loan and lease loss provision to assets | 0.6673% | 1,894 |
| Net operating income to assets | 0.4037% | 4,843 |
| Return on assets (ROA) | 0.4037% | 5,024 |
| Pretax return on assets | 0.6372% | 4,628 |
| Return on Equity (ROE) | 3.8065% | 5,025 |
| Retained earnings to average equity (ytd only) | -2.4853% | 6,191 |
| Net charge-offs to loans | 0.9626% | 1,386 |
| Credit loss provision to net charge-offs | 103.6269% | 3,633 |
| Earnings coverage of net charge-offs (x) | 2.0259% | 3,708 |
| Efficiency ratio | 73.5432% | 3,910 |
| Assets per employee ($millions) | 2.6033% | 7,093 |
| Cash dividends to net income (ytd only)* | 165.2893% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,505 |
| Loan loss allowance to noncurrent loans | 881.8182% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 7,104 |
| Noncurrent loans to loans | 0.1409% | 7,119 |
| Net loans and leases to total assets | 64.3655% | 4,922 |
| Net loans and leases to deposits | 73.0101% | 5,612 |
| Net loans and leases to core deposits | 76.5774% | 6,638 |
| Total domestic deposits to total assets | 88.1597% | 1,676 |
| Equity capital to assets | 10.5593% | 3,401 |
| Core capital (leverage) ratio | 10.0322% | 3,378 |
| Tier 1 risk-based capital ratio | 13.0904% | 4,129 |
| Total risk-based capital ratio | 14.1600% | 4,170 |
| Memoranda: | ||
| Average total assets | $119,890,500 | 4,658 |
| Average earning assets | $110,041,000 | 4,639 |
| Average equity | $12,715,000 | 4,652 |
| Average total loans | $80,198,500 | 4,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5078% | 2,920 |
| Cost of funding earning assets | 1.8951% | 6,739 |
| Net interest margin | 4.6127% | 1,141 |
| Noninterest income to average assets | 0.6870% | 3,205 |
| Noninterest expense to average assets | 3.4920% | 2,419 |
| Loan and lease loss provision to assets | 0.2265% | 4,623 |
| Net operating income to assets | 0.7364% | 3,733 |
| Return on assets (ROA) | 0.7364% | 3,567 |
| Pretax return on assets | 1.1919% | 2,672 |
| Return on Equity (ROE) | 6.9654% | 3,548 |
| Retained earnings to average equity (ytd only) | 0.6404% | 4,853 |
| Net charge-offs to loans | 0.4563% | 2,550 |
| Credit loss provision to net charge-offs | 74.8619% | 5,999 |
| Earnings coverage of net charge-offs (x) | 4.6878% | 3,901 |
| Efficiency ratio | 70.8426% | 4,169 |
| Assets per employee ($millions) | 2.7914% | 6,575 |
| Cash dividends to net income (ytd only)* | 90.8059% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 4,782 |
| Loan loss allowance to noncurrent loans | 39.7770% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 2.0170% | 2,439 |
| Noncurrent loans to loans | 2.9400% | 1,827 |
| Net loans and leases to total assets | 67.8044% | 4,491 |
| Net loans and leases to deposits | 78.0537% | 5,332 |
| Net loans and leases to core deposits | 81.6364% | 6,488 |
| Total domestic deposits to total assets | 86.8690% | 1,998 |
| Equity capital to assets | 10.6516% | 3,342 |
| Core capital (leverage) ratio | 10.0222% | 3,425 |
| Tier 1 risk-based capital ratio | 12.5987% | 4,369 |
| Total risk-based capital ratio | 13.6145% | 4,431 |
| Memoranda: | ||
| Average total assets | $119,643,600 | 4,532 |
| Average earning assets | $109,545,400 | 4,521 |
| Average equity | $12,648,200 | 4,660 |
| Average total loans | $79,341,000 | 4,540 |