Home > First National Bank and Trust Co. of Bottineau > Performance and Condition Ratios
First National Bank and Trust Co. of Bottineau, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 3,347 |
| Cost of funding earning assets | 1.3580% | 3,485 |
| Net interest margin | 3.5047% | 2,300 |
| Noninterest income to average assets | 0.0600% | 4,268 |
| Noninterest expense to average assets | 1.9240% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2022% | 1,733 |
| Return on assets (ROA) | 1.2022% | 1,738 |
| Pretax return on assets | 1.5397% | 1,424 |
| Return on Equity (ROE) | 9.2000% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.2032% | 1,393 |
| Net charge-offs to loans | 0.0578% | 1,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 54.7500% | 955 |
| Efficiency ratio | 55.5480% | 3,465 |
| Assets per employee ($millions) | 8.5829% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 279 |
| Loan loss allowance to noncurrent loans | 482.7027% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,479 |
| Noncurrent loans to loans | 0.4678% | 1,955 |
| Net loans and leases to total assets | 42.8900% | 3,882 |
| Net loans and leases to deposits | 49.5022% | 3,882 |
| Net loans and leases to core deposits | 52.3607% | 3,927 |
| Total domestic deposits to total assets | 86.6500% | 2,071 |
| Equity capital to assets | 12.6264% | 1,024 |
| Core capital (leverage) ratio | 14.4242% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $170,686,500 | 3,227 |
| Average earning assets | $165,836,500 | 3,165 |
| Average equity | $22,296,500 | 2,870 |
| Average total loans | $83,058,000 | 3,405 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,989 |
| Cost of funding earning assets | 1.3412% | 3,615 |
| Net interest margin | 3.7160% | 1,653 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 2.0397% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0466% | 1,906 |
| Return on assets (ROA) | 1.0447% | 1,917 |
| Pretax return on assets | 1.6363% | 1,067 |
| Return on Equity (ROE) | 8.0900% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.1878% | 1,746 |
| Net charge-offs to loans | 0.2278% | 638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 2,072 |
| Efficiency ratio | 55.4500% | 3,610 |
| Assets per employee ($millions) | 7.6730% | 1,731 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 325 |
| Loan loss allowance to noncurrent loans | 482.0375% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,343 |
| Noncurrent loans to loans | 0.4286% | 1,992 |
| Net loans and leases to total assets | 52.8900% | 3,470 |
| Net loans and leases to deposits | 61.6365% | 3,453 |
| Net loans and leases to core deposits | 65.6693% | 3,551 |
| Total domestic deposits to total assets | 85.8100% | 2,281 |
| Equity capital to assets | 13.5510% | 760 |
| Core capital (leverage) ratio | 14.9377% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $163,108,600 | 3,258 |
| Average earning assets | $157,695,400 | 3,194 |
| Average equity | $21,073,600 | 2,893 |
| Average total loans | $82,983,600 | 3,387 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 2,946 |
| Cost of funding earning assets | 1.3170% | 3,647 |
| Net interest margin | 3.7385% | 1,571 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 2.0570% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1828% | 1,555 |
| Return on assets (ROA) | 1.1809% | 1,563 |
| Pretax return on assets | 1.6242% | 1,125 |
| Return on Equity (ROE) | 9.2500% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.2512% | 1,039 |
| Net charge-offs to loans | 0.3188% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 10.1837% | 2,129 |
| Efficiency ratio | 55.8407% | 3,561 |
| Assets per employee ($millions) | 7.9217% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 342 |
| Loan loss allowance to noncurrent loans | 468.8482% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 2,287 |
| Noncurrent loans to loans | 0.4421% | 1,973 |
| Net loans and leases to total assets | 53.4100% | 3,455 |
| Net loans and leases to deposits | 64.2299% | 3,352 |
| Net loans and leases to core deposits | 68.3867% | 3,464 |
| Total domestic deposits to total assets | 83.1600% | 2,803 |
| Equity capital to assets | 14.1871% | 702 |
| Core capital (leverage) ratio | 14.7615% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $163,602,750 | 3,245 |
| Average earning assets | $158,135,250 | 3,192 |
| Average equity | $20,883,250 | 2,904 |
| Average total loans | $81,974,250 | 3,409 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 3,003 |
| Cost of funding earning assets | 1.2799% | 3,656 |
| Net interest margin | 3.6857% | 1,625 |
| Noninterest income to average assets | 0.0700% | 4,347 |
| Noninterest expense to average assets | 2.0215% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1182% | 1,673 |
| Return on assets (ROA) | 1.1154% | 1,681 |
| Pretax return on assets | 1.6053% | 1,120 |
| Return on Equity (ROE) | 9.0600% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.0605% | 1,089 |
| Net charge-offs to loans | 0.5193% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 2,159 |
| Efficiency ratio | 55.6814% | 3,601 |
| Assets per employee ($millions) | 7.8006% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1053% | 336 |
| Loan loss allowance to noncurrent loans | 291.9540% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 1,687 |
| Noncurrent loans to loans | 0.7211% | 1,302 |
| Net loans and leases to total assets | 50.4700% | 3,613 |
| Net loans and leases to deposits | 58.3600% | 3,655 |
| Net loans and leases to core deposits | 61.5670% | 3,712 |
| Total domestic deposits to total assets | 86.4800% | 1,818 |
| Equity capital to assets | 12.7902% | 923 |
| Core capital (leverage) ratio | 14.1592% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $165,326,000 | 3,245 |
| Average earning assets | $159,699,667 | 3,186 |
| Average equity | $20,352,000 | 2,913 |
| Average total loans | $80,495,000 | 3,429 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 3,210 |
| Cost of funding earning assets | 1.2426% | 3,654 |
| Net interest margin | 3.5241% | 1,857 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 2.0110% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8068% | 2,525 |
| Return on assets (ROA) | 0.8068% | 2,538 |
| Pretax return on assets | 1.4716% | 1,302 |
| Return on Equity (ROE) | 6.6800% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.6826% | 1,923 |
| Net charge-offs to loans | 0.1121% | 675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 27.7727% | 1,196 |
| Efficiency ratio | 57.7455% | 3,457 |
| Assets per employee ($millions) | 7.9793% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6270% | 166 |
| Loan loss allowance to noncurrent loans | 295.4887% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 1,549 |
| Noncurrent loans to loans | 0.8890% | 983 |
| Net loans and leases to total assets | 43.4700% | 3,905 |
| Net loans and leases to deposits | 49.8952% | 3,924 |
| Net loans and leases to core deposits | 52.4069% | 4,023 |
| Total domestic deposits to total assets | 87.1100% | 1,735 |
| Equity capital to assets | 12.0544% | 1,107 |
| Core capital (leverage) ratio | 13.6688% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $166,082,500 | 3,241 |
| Average earning assets | $160,949,500 | 3,181 |
| Average equity | $20,052,000 | 2,952 |
| Average total loans | $78,516,500 | 3,457 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 3,180 |
| Cost of funding earning assets | 0.8691% | 3,585 |
| Net interest margin | 3.5856% | 1,994 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1259% | 3,334 |
| Loan and lease loss provision to assets | -0.5800% | 4,588 |
| Net operating income to assets | 2.2653% | 315 |
| Return on assets (ROA) | 2.2653% | 306 |
| Pretax return on assets | 2.3749% | 386 |
| Return on Equity (ROE) | 20.1200% | 608 |
| Retained earnings to average equity (ytd only) | 17.4180% | 206 |
| Net charge-offs to loans | 0.0424% | 1,474 |
| Credit loss provision to net charge-offs | -2,978.1250% | 4,582 |
| Earnings coverage of net charge-offs (x) | 92.1250% | 939 |
| Efficiency ratio | 54.2236% | 3,661 |
| Assets per employee ($millions) | 7.4818% | 1,740 |
| Cash dividends to net income (ytd only)* | 13.4372% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4163% | 212 |
| Loan loss allowance to noncurrent loans | 5,370.2703% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,570 |
| Noncurrent loans to loans | 0.0450% | 3,395 |
| Net loans and leases to total assets | 48.7500% | 3,679 |
| Net loans and leases to deposits | 55.7833% | 3,720 |
| Net loans and leases to core deposits | 58.6275% | 3,813 |
| Total domestic deposits to total assets | 87.4000% | 1,557 |
| Equity capital to assets | 12.0930% | 1,098 |
| Core capital (leverage) ratio | 13.7904% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $164,259,800 | 3,237 |
| Average earning assets | $158,215,800 | 3,180 |
| Average equity | $18,492,400 | 2,974 |
| Average total loans | $75,467,800 | 3,474 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 3,142 |
| Cost of funding earning assets | 0.7642% | 3,624 |
| Net interest margin | 3.6148% | 1,962 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.1148% | 3,315 |
| Loan and lease loss provision to assets | -0.8100% | 4,619 |
| Net operating income to assets | 2.6670% | 228 |
| Return on assets (ROA) | 2.6670% | 226 |
| Pretax return on assets | 2.7555% | 293 |
| Return on Equity (ROE) | 24.1400% | 427 |
| Retained earnings to average equity (ytd only) | 24.1386% | 146 |
| Net charge-offs to loans | 0.0596% | 1,075 |
| Credit loss provision to net charge-offs | -3,024.2424% | 4,619 |
| Earnings coverage of net charge-offs (x) | 72.5758% | 1,095 |
| Efficiency ratio | 52.0904% | 3,751 |
| Assets per employee ($millions) | 7.4270% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4209% | 223 |
| Loan loss allowance to noncurrent loans | 1,220.7547% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 2,925 |
| Noncurrent loans to loans | 0.1983% | 2,563 |
| Net loans and leases to total assets | 47.8800% | 3,745 |
| Net loans and leases to deposits | 57.9488% | 3,609 |
| Net loans and leases to core deposits | 60.5010% | 3,681 |
| Total domestic deposits to total assets | 82.6300% | 3,085 |
| Equity capital to assets | 11.5874% | 1,155 |
| Core capital (leverage) ratio | 13.8898% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $164,175,000 | 3,246 |
| Average earning assets | $157,901,000 | 3,193 |
| Average equity | $18,139,250 | 2,994 |
| Average total loans | $73,776,250 | 3,503 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,136 |
| Cost of funding earning assets | 0.6797% | 3,542 |
| Net interest margin | 3.5996% | 2,040 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.0008% | 3,598 |
| Loan and lease loss provision to assets | -1.2100% | 4,649 |
| Net operating income to assets | 3.4688% | 120 |
| Return on assets (ROA) | 3.4688% | 122 |
| Pretax return on assets | 3.5138% | 147 |
| Return on Equity (ROE) | 31.9100% | 182 |
| Retained earnings to average equity (ytd only) | 31.9111% | 72 |
| Net charge-offs to loans | 0.0949% | 699 |
| Credit loss provision to net charge-offs | -2,935.2941% | 4,654 |
| Earnings coverage of net charge-offs (x) | 55.6176% | 1,229 |
| Efficiency ratio | 46.5215% | 4,140 |
| Assets per employee ($millions) | 6.9933% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6585% | 179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.1600% | 3,870 |
| Net loans and leases to deposits | 50.3919% | 3,906 |
| Net loans and leases to core deposits | 52.6158% | 3,933 |
| Total domestic deposits to total assets | 87.6400% | 1,729 |
| Equity capital to assets | 11.6900% | 1,139 |
| Core capital (leverage) ratio | 13.3353% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $164,435,667 | 3,249 |
| Average earning assets | $158,296,333 | 3,202 |
| Average equity | $17,874,667 | 3,029 |
| Average total loans | $71,643,000 | 3,535 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,435 |
| Cost of funding earning assets | 0.6157% | 3,332 |
| Net interest margin | 3.3938% | 2,651 |
| Noninterest income to average assets | 1.5800% | 310 |
| Noninterest expense to average assets | 1.9684% | 3,698 |
| Loan and lease loss provision to assets | -2.5400% | 4,676 |
| Net operating income to assets | 5.3685% | 71 |
| Return on assets (ROA) | 5.3685% | 71 |
| Pretax return on assets | 5.4190% | 87 |
| Return on Equity (ROE) | 51.2600% | 73 |
| Retained earnings to average equity (ytd only) | 51.2564% | 39 |
| Net charge-offs to loans | 0.1465% | 467 |
| Credit loss provision to net charge-offs | -4,061.5385% | 4,677 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,130 |
| Efficiency ratio | 40.6157% | 4,432 |
| Assets per employee ($millions) | 7.8994% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9594% | 130 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,388 |
| Noncurrent loans to loans | 0.1096% | 2,977 |
| Net loans and leases to total assets | 35.6600% | 4,204 |
| Net loans and leases to deposits | 40.3974% | 4,216 |
| Net loans and leases to core deposits | 42.1764% | 4,220 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 10.8293% | 1,408 |
| Core capital (leverage) ratio | 12.9883% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $166,230,000 | 3,289 |
| Average earning assets | $159,821,000 | 3,235 |
| Average equity | $17,410,500 | 3,097 |
| Average total loans | $70,977,500 | 3,589 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1230% | 3,954 |
| Cost of funding earning assets | 0.3862% | 2,207 |
| Net interest margin | 2.7368% | 3,997 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.8971% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6692% | 3,706 |
| Return on assets (ROA) | 0.6692% | 3,656 |
| Pretax return on assets | 0.7687% | 3,698 |
| Return on Equity (ROE) | 6.6400% | 3,703 |
| Retained earnings to average equity (ytd only) | 3.9443% | 3,417 |
| Net charge-offs to loans | -0.2833% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.1634% | 1,546 |
| Assets per employee ($millions) | 6.8988% | 2,046 |
| Cash dividends to net income (ytd only)* | 40.5771% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8058% | 68 |
| Loan loss allowance to noncurrent loans | 348.0094% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 933 |
| Noncurrent loans to loans | 1.0936% | 658 |
| Net loans and leases to total assets | 47.3400% | 3,717 |
| Net loans and leases to deposits | 53.1477% | 3,730 |
| Net loans and leases to core deposits | 55.6928% | 3,734 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 10.0843% | 1,675 |
| Core capital (leverage) ratio | 11.8251% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,728,600 | 3,299 |
| Average earning assets | $155,619,600 | 3,274 |
| Average equity | $16,707,800 | 3,225 |
| Average total loans | $74,484,800 | 3,497 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 4,101 |
| Cost of funding earning assets | 0.3711% | 1,516 |
| Net interest margin | 2.4957% | 4,214 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.8516% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4553% | 4,162 |
| Return on assets (ROA) | 0.4553% | 4,106 |
| Pretax return on assets | 0.5540% | 4,059 |
| Return on Equity (ROE) | 4.5200% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.5169% | 3,278 |
| Net charge-offs to loans | -0.5001% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.9689% | 1,002 |
| Assets per employee ($millions) | 7.0098% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7615% | 77 |
| Loan loss allowance to noncurrent loans | 186.2048% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 420 |
| Noncurrent loans to loans | 2.0201% | 302 |
| Net loans and leases to total assets | 48.1900% | 3,610 |
| Net loans and leases to deposits | 54.0784% | 3,600 |
| Net loans and leases to core deposits | 56.6226% | 3,589 |
| Total domestic deposits to total assets | 89.1200% | 2,040 |
| Equity capital to assets | 9.6641% | 1,793 |
| Core capital (leverage) ratio | 11.3936% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $167,492,500 | 3,311 |
| Average earning assets | $156,636,750 | 3,295 |
| Average equity | $16,884,500 | 3,249 |
| Average total loans | $73,583,250 | 3,525 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5626% | 4,317 |
| Cost of funding earning assets | 0.3720% | 1,101 |
| Net interest margin | 2.1906% | 4,444 |
| Noninterest income to average assets | 0.0684% | 4,587 |
| Noninterest expense to average assets | 1.9401% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0802% | 4,528 |
| Return on assets (ROA) | 0.0802% | 4,493 |
| Pretax return on assets | 0.1769% | 4,432 |
| Return on Equity (ROE) | 0.7853% | 4,486 |
| Retained earnings to average equity (ytd only) | 0.7853% | 4,036 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6435% | 351 |
| Assets per employee ($millions) | 7.2216% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8052% | 75 |
| Loan loss allowance to noncurrent loans | 162.6989% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 458 |
| Noncurrent loans to loans | 2.3388% | 259 |
| Net loans and leases to total assets | 40.2708% | 4,060 |
| Net loans and leases to deposits | 44.9766% | 4,069 |
| Net loans and leases to core deposits | 46.8789% | 4,088 |
| Total domestic deposits to total assets | 89.5372% | 1,925 |
| Equity capital to assets | 9.4785% | 2,032 |
| Core capital (leverage) ratio | 10.8526% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,581,667 | 3,338 |
| Average earning assets | $158,586,333 | 3,327 |
| Average equity | $17,319,000 | 3,293 |
| Average total loans | $71,198,000 | 3,601 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0884% | 4,586 |
| Cost of funding earning assets | 0.3839% | 959 |
| Net interest margin | 1.7045% | 4,644 |
| Noninterest income to average assets | 0.0644% | 4,623 |
| Noninterest expense to average assets | 1.7959% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2409% | 4,652 |
| Return on assets (ROA) | -0.2409% | 4,636 |
| Pretax return on assets | -0.1431% | 4,598 |
| Return on Equity (ROE) | -2.2742% | 4,646 |
| Retained earnings to average equity (ytd only) | -2.2742% | 4,270 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6580% | 144 |
| Assets per employee ($millions) | 7.3257% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1158% | 70 |
| Loan loss allowance to noncurrent loans | 154.9383% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 473 |
| Noncurrent loans to loans | 2.6564% | 221 |
| Net loans and leases to total assets | 36.5848% | 4,175 |
| Net loans and leases to deposits | 40.8936% | 4,215 |
| Net loans and leases to core deposits | 42.5979% | 4,214 |
| Total domestic deposits to total assets | 89.4634% | 1,834 |
| Equity capital to assets | 9.7153% | 2,113 |
| Core capital (leverage) ratio | 10.6918% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,713,000 | 3,363 |
| Average earning assets | $156,290,000 | 3,360 |
| Average equity | $17,764,500 | 3,346 |
| Average total loans | $70,518,000 | 3,606 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4855% | 4,490 |
| Cost of funding earning assets | 0.4468% | 1,225 |
| Net interest margin | 2.0387% | 4,580 |
| Noninterest income to average assets | 0.3839% | 3,142 |
| Noninterest expense to average assets | 1.9492% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1951% | 4,539 |
| Return on assets (ROA) | 0.1951% | 4,559 |
| Pretax return on assets | 0.3443% | 4,445 |
| Return on Equity (ROE) | 1.6620% | 4,534 |
| Retained earnings to average equity (ytd only) | 1.6620% | 4,076 |
| Net charge-offs to loans | 0.0129% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 54.7000% | 1,242 |
| Efficiency ratio | 84.9890% | 519 |
| Assets per employee ($millions) | 6.6504% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7335% | 79 |
| Loan loss allowance to noncurrent loans | 153.9877% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 437 |
| Noncurrent loans to loans | 2.4245% | 282 |
| Net loans and leases to total assets | 44.6037% | 3,791 |
| Net loans and leases to deposits | 50.8903% | 3,820 |
| Net loans and leases to core deposits | 52.8476% | 3,835 |
| Total domestic deposits to total assets | 87.6468% | 2,224 |
| Equity capital to assets | 11.5582% | 1,480 |
| Core capital (leverage) ratio | 11.3917% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,884,400 | 3,403 |
| Average earning assets | $148,822,800 | 3,389 |
| Average equity | $18,652,200 | 3,332 |
| Average total loans | $77,429,400 | 3,517 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4601% | 4,598 |
| Cost of funding earning assets | 0.4580% | 1,301 |
| Net interest margin | 2.0021% | 4,678 |
| Noninterest income to average assets | 0.4612% | 2,790 |
| Noninterest expense to average assets | 1.9323% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2420% | 4,584 |
| Return on assets (ROA) | 0.2420% | 4,606 |
| Pretax return on assets | 0.4058% | 4,485 |
| Return on Equity (ROE) | 2.0531% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.0531% | 4,174 |
| Net charge-offs to loans | -0.0051% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6446% | 600 |
| Assets per employee ($millions) | 6.6200% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5427% | 102 |
| Loan loss allowance to noncurrent loans | 107.5611% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6553% | 281 |
| Noncurrent loans to loans | 3.2937% | 181 |
| Net loans and leases to total assets | 47.5371% | 3,671 |
| Net loans and leases to deposits | 54.5455% | 3,693 |
| Net loans and leases to core deposits | 56.5563% | 3,730 |
| Total domestic deposits to total assets | 87.1513% | 2,293 |
| Equity capital to assets | 11.7919% | 1,492 |
| Core capital (leverage) ratio | 11.5608% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,703,000 | 3,443 |
| Average earning assets | $148,772,750 | 3,427 |
| Average equity | $18,703,250 | 3,368 |
| Average total loans | $78,298,500 | 3,552 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4322% | 4,659 |
| Cost of funding earning assets | 0.4687% | 1,394 |
| Net interest margin | 1.9635% | 4,725 |
| Noninterest income to average assets | 0.6543% | 1,990 |
| Noninterest expense to average assets | 1.9352% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3643% | 4,447 |
| Return on assets (ROA) | 0.3643% | 4,483 |
| Pretax return on assets | 0.5572% | 4,301 |
| Return on Equity (ROE) | 3.0921% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.0921% | 3,812 |
| Net charge-offs to loans | -0.0077% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6429% | 941 |
| Assets per employee ($millions) | 6.4449% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4859% | 97 |
| Loan loss allowance to noncurrent loans | 104.2465% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 307 |
| Noncurrent loans to loans | 3.3439% | 196 |
| Net loans and leases to total assets | 47.6679% | 3,762 |
| Net loans and leases to deposits | 54.5123% | 3,824 |
| Net loans and leases to core deposits | 56.4806% | 3,859 |
| Total domestic deposits to total assets | 87.4444% | 2,119 |
| Equity capital to assets | 11.6302% | 1,553 |
| Core capital (leverage) ratio | 11.3898% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,644,000 | 3,445 |
| Average earning assets | $148,510,333 | 3,438 |
| Average equity | $18,692,667 | 3,366 |
| Average total loans | $78,297,667 | 3,575 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4202% | 4,702 |
| Cost of funding earning assets | 0.4775% | 1,542 |
| Net interest margin | 1.9427% | 4,757 |
| Noninterest income to average assets | 0.8564% | 1,445 |
| Noninterest expense to average assets | 1.9390% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5286% | 4,119 |
| Return on assets (ROA) | 0.5286% | 4,159 |
| Pretax return on assets | 0.7370% | 3,939 |
| Return on Equity (ROE) | 4.4565% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.4565% | 3,377 |
| Net charge-offs to loans | -0.0309% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4596% | 1,453 |
| Assets per employee ($millions) | 7.1017% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6845% | 86 |
| Loan loss allowance to noncurrent loans | 101.7962% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.8054% | 307 |
| Noncurrent loans to loans | 3.6195% | 171 |
| Net loans and leases to total assets | 44.4429% | 4,086 |
| Net loans and leases to deposits | 50.7065% | 4,126 |
| Net loans and leases to core deposits | 52.5036% | 4,175 |
| Total domestic deposits to total assets | 87.6472% | 2,019 |
| Equity capital to assets | 11.4350% | 1,583 |
| Core capital (leverage) ratio | 11.7905% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,404,500 | 3,463 |
| Average earning assets | $147,425,000 | 3,448 |
| Average equity | $18,669,500 | 3,357 |
| Average total loans | $77,657,500 | 3,612 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 4,281 |
| Cost of funding earning assets | 0.5746% | 2,484 |
| Net interest margin | 2.7614% | 4,310 |
| Noninterest income to average assets | 0.1770% | 4,401 |
| Noninterest expense to average assets | 2.1821% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4168% | 4,211 |
| Return on assets (ROA) | 0.4270% | 4,271 |
| Pretax return on assets | 0.6506% | 3,979 |
| Return on Equity (ROE) | 3.4716% | 4,272 |
| Retained earnings to average equity (ytd only) | 3.4716% | 3,096 |
| Net charge-offs to loans | 0.0149% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 72.6154% | 948 |
| Efficiency ratio | 77.3838% | 1,094 |
| Assets per employee ($millions) | 6.3112% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4661% | 93 |
| Loan loss allowance to noncurrent loans | 104.7637% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8921% | 316 |
| Noncurrent loans to loans | 3.3085% | 234 |
| Net loans and leases to total assets | 50.9504% | 3,752 |
| Net loans and leases to deposits | 58.6531% | 3,852 |
| Net loans and leases to core deposits | 61.0626% | 3,886 |
| Total domestic deposits to total assets | 86.8673% | 2,002 |
| Equity capital to assets | 12.3200% | 1,409 |
| Core capital (leverage) ratio | 11.9466% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,024,200 | 3,425 |
| Average earning assets | $141,665,000 | 3,361 |
| Average equity | $18,205,000 | 3,348 |
| Average total loans | $87,028,600 | 3,454 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 4,541 |
| Cost of funding earning assets | 0.5875% | 2,687 |
| Net interest margin | 2.6550% | 4,523 |
| Noninterest income to average assets | 0.1866% | 4,354 |
| Noninterest expense to average assets | 2.2695% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2510% | 4,521 |
| Return on assets (ROA) | 0.2646% | 4,544 |
| Pretax return on assets | 0.4892% | 4,300 |
| Return on Equity (ROE) | 2.1520% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.1520% | 3,874 |
| Net charge-offs to loans | -0.0120% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7826% | 689 |
| Assets per employee ($millions) | 6.0748% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0600% | 127 |
| Loan loss allowance to noncurrent loans | 90.1809% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.1235% | 289 |
| Noncurrent loans to loans | 3.3931% | 244 |
| Net loans and leases to total assets | 60.6681% | 3,143 |
| Net loans and leases to deposits | 70.3488% | 3,281 |
| Net loans and leases to core deposits | 73.3717% | 3,368 |
| Total domestic deposits to total assets | 86.2389% | 1,964 |
| Equity capital to assets | 12.5656% | 1,394 |
| Core capital (leverage) ratio | 12.0330% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,163,000 | 3,424 |
| Average earning assets | $141,617,500 | 3,353 |
| Average equity | $18,091,000 | 3,359 |
| Average total loans | $88,799,500 | 3,436 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2956% | 4,656 |
| Cost of funding earning assets | 0.5913% | 3,011 |
| Net interest margin | 2.7043% | 4,549 |
| Noninterest income to average assets | 0.2317% | 4,095 |
| Noninterest expense to average assets | 2.1203% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5202% | 3,954 |
| Return on assets (ROA) | 0.5406% | 3,986 |
| Pretax return on assets | 0.7641% | 3,692 |
| Return on Equity (ROE) | 4.4297% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.4297% | 2,735 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1706% | 1,445 |
| Assets per employee ($millions) | 6.5712% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0910% | 127 |
| Loan loss allowance to noncurrent loans | 80.4159% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 273 |
| Noncurrent loans to loans | 3.8437% | 183 |
| Net loans and leases to total assets | 57.7522% | 3,537 |
| Net loans and leases to deposits | 66.4391% | 3,685 |
| Net loans and leases to core deposits | 70.4406% | 3,665 |
| Total domestic deposits to total assets | 86.9251% | 1,650 |
| Equity capital to assets | 12.1631% | 1,559 |
| Core capital (leverage) ratio | 11.9180% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,619,000 | 3,396 |
| Average earning assets | $143,403,000 | 3,305 |
| Average equity | $18,014,667 | 3,361 |
| Average total loans | $87,985,000 | 3,458 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 4,630 |
| Cost of funding earning assets | 0.6008% | 3,433 |
| Net interest margin | 2.8970% | 4,434 |
| Noninterest income to average assets | 0.0795% | 4,894 |
| Noninterest expense to average assets | 2.1473% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5347% | 3,791 |
| Return on assets (ROA) | 0.5759% | 3,734 |
| Pretax return on assets | 0.8008% | 3,416 |
| Return on Equity (ROE) | 4.7110% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.7110% | 2,409 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1477% | 1,793 |
| Assets per employee ($millions) | 6.4318% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3289% | 107 |
| Loan loss allowance to noncurrent loans | 86.6480% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.1719% | 349 |
| Noncurrent loans to loans | 3.8419% | 212 |
| Net loans and leases to total assets | 54.6515% | 3,935 |
| Net loans and leases to deposits | 62.7377% | 4,059 |
| Net loans and leases to core deposits | 66.7253% | 4,041 |
| Total domestic deposits to total assets | 87.1110% | 1,512 |
| Equity capital to assets | 12.0515% | 2,031 |
| Core capital (leverage) ratio | 12.0746% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,860,000 | 3,382 |
| Average earning assets | $141,800,500 | 3,285 |
| Average equity | $17,830,500 | 3,388 |
| Average total loans | $86,943,000 | 3,460 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 4,444 |
| Cost of funding earning assets | 0.5715% | 3,766 |
| Net interest margin | 3.3239% | 3,933 |
| Noninterest income to average assets | 0.1151% | 4,881 |
| Noninterest expense to average assets | 2.0862% | 4,386 |
| Loan and lease loss provision to assets | 0.3468% | 444 |
| Net operating income to assets | 0.6845% | 3,910 |
| Return on assets (ROA) | 0.6845% | 3,980 |
| Pretax return on assets | 0.9134% | 3,698 |
| Return on Equity (ROE) | 5.5423% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.0154% | 3,522 |
| Net charge-offs to loans | -0.4586% | 5,120 |
| Credit loss provision to net charge-offs | -120.7729% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3420% | 3,318 |
| Assets per employee ($millions) | 5.9912% | 1,644 |
| Cash dividends to net income (ytd only)* | 45.5927% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0846% | 118 |
| Loan loss allowance to noncurrent loans | 86.7020% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 2.2331% | 320 |
| Noncurrent loans to loans | 3.5577% | 229 |
| Net loans and leases to total assets | 60.8333% | 3,520 |
| Net loans and leases to deposits | 69.9964% | 3,672 |
| Net loans and leases to core deposits | 73.0014% | 3,797 |
| Total domestic deposits to total assets | 86.9092% | 1,654 |
| Equity capital to assets | 12.4023% | 1,884 |
| Core capital (leverage) ratio | 12.3519% | 1,567 |
| Tier 1 risk-based capital ratio | 18.6254% | 1,607 |
| Total risk-based capital ratio | 19.8957% | 1,571 |
| Memoranda: | ||
| Average total assets | $144,188,400 | 3,375 |
| Average earning assets | $140,166,800 | 3,275 |
| Average equity | $17,808,600 | 3,355 |
| Average total loans | $90,276,800 | 3,391 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 4,432 |
| Cost of funding earning assets | 0.5676% | 3,830 |
| Net interest margin | 3.3945% | 3,875 |
| Noninterest income to average assets | 0.0832% | 5,037 |
| Noninterest expense to average assets | 2.1983% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9555% | 3,146 |
| Return on assets (ROA) | 0.9555% | 3,226 |
| Pretax return on assets | 1.1837% | 3,033 |
| Return on Equity (ROE) | 7.7440% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.7440% | 1,518 |
| Net charge-offs to loans | -0.5966% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 2,859 |
| Assets per employee ($millions) | 5.9763% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3738% | 262 |
| Loan loss allowance to noncurrent loans | 86.7939% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8267% | 536 |
| Noncurrent loans to loans | 2.7350% | 392 |
| Net loans and leases to total assets | 65.2039% | 3,158 |
| Net loans and leases to deposits | 79.5952% | 2,941 |
| Net loans and leases to core deposits | 83.2054% | 3,160 |
| Total domestic deposits to total assets | 81.9194% | 3,492 |
| Equity capital to assets | 12.8083% | 1,727 |
| Core capital (leverage) ratio | 12.6812% | 1,488 |
| Tier 1 risk-based capital ratio | 18.5223% | 1,681 |
| Total risk-based capital ratio | 19.7856% | 1,648 |
| Memoranda: | ||
| Average total assets | $144,288,500 | 3,409 |
| Average earning assets | $140,224,750 | 3,307 |
| Average equity | $17,802,500 | 3,383 |
| Average total loans | $90,282,250 | 3,430 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,535 |
| Cost of funding earning assets | 0.5367% | 3,944 |
| Net interest margin | 3.3738% | 3,973 |
| Noninterest income to average assets | 0.0844% | 5,089 |
| Noninterest expense to average assets | 2.1954% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9407% | 3,128 |
| Return on assets (ROA) | 0.9407% | 3,194 |
| Pretax return on assets | 1.1676% | 3,015 |
| Return on Equity (ROE) | 7.7216% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.7216% | 1,512 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2818% | 2,926 |
| Assets per employee ($millions) | 6.4125% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 459 |
| Loan loss allowance to noncurrent loans | 57.6449% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.2995% | 349 |
| Noncurrent loans to loans | 3.5055% | 238 |
| Net loans and leases to total assets | 64.2705% | 3,311 |
| Net loans and leases to deposits | 74.7385% | 3,452 |
| Net loans and leases to core deposits | 78.2034% | 3,561 |
| Total domestic deposits to total assets | 85.9939% | 2,038 |
| Equity capital to assets | 12.7614% | 1,712 |
| Core capital (leverage) ratio | 12.4030% | 1,586 |
| Tier 1 risk-based capital ratio | 18.4593% | 1,681 |
| Total risk-based capital ratio | 19.7175% | 1,642 |
| Memoranda: | ||
| Average total assets | $144,574,670 | 3,420 |
| Average earning assets | $140,494,330 | 3,322 |
| Average equity | $17,613,000 | 3,402 |
| Average total loans | $88,444,330 | 3,493 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 4,661 |
| Cost of funding earning assets | 0.5124% | 4,007 |
| Net interest margin | 3.3167% | 4,121 |
| Noninterest income to average assets | 0.0820% | 5,139 |
| Noninterest expense to average assets | 2.1814% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8994% | 3,238 |
| Return on assets (ROA) | 0.8994% | 3,292 |
| Pretax return on assets | 1.1208% | 3,089 |
| Return on Equity (ROE) | 7.5554% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.5554% | 1,815 |
| Net charge-offs to loans | 0.0093% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 379 |
| Efficiency ratio | 66.0596% | 2,934 |
| Assets per employee ($millions) | 6.4490% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2611% | 326 |
| Loan loss allowance to noncurrent loans | 59.2452% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 426 |
| Noncurrent loans to loans | 3.8165% | 214 |
| Net loans and leases to total assets | 54.4378% | 4,178 |
| Net loans and leases to deposits | 62.3834% | 4,284 |
| Net loans and leases to core deposits | 64.6905% | 4,348 |
| Total domestic deposits to total assets | 87.2633% | 1,678 |
| Equity capital to assets | 11.8589% | 2,111 |
| Core capital (leverage) ratio | 12.0383% | 1,748 |
| Tier 1 risk-based capital ratio | 19.6124% | 1,420 |
| Total risk-based capital ratio | 20.8732% | 1,392 |
| Memoranda: | ||
| Average total assets | $146,325,000 | 3,429 |
| Average earning assets | $142,071,000 | 3,345 |
| Average equity | $17,418,000 | 3,433 |
| Average total loans | $86,397,000 | 3,571 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,708 |
| Cost of funding earning assets | 0.4186% | 3,874 |
| Net interest margin | 3.2520% | 4,376 |
| Noninterest income to average assets | 0.1196% | 5,081 |
| Noninterest expense to average assets | 2.2138% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8163% | 3,744 |
| Return on assets (ROA) | 0.8179% | 3,739 |
| Pretax return on assets | 1.0474% | 3,450 |
| Return on Equity (ROE) | 6.9287% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.9828% | 3,384 |
| Net charge-offs to loans | 0.0731% | 2,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.7727% | 1,886 |
| Efficiency ratio | 67.9257% | 2,560 |
| Assets per employee ($millions) | 6.2749% | 1,339 |
| Cash dividends to net income (ytd only)* | 42.5170% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0736% | 418 |
| Loan loss allowance to noncurrent loans | 58.6391% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 394 |
| Noncurrent loans to loans | 3.5363% | 247 |
| Net loans and leases to total assets | 61.1891% | 3,651 |
| Net loans and leases to deposits | 70.0589% | 3,823 |
| Net loans and leases to core deposits | 72.5577% | 3,952 |
| Total domestic deposits to total assets | 87.3395% | 1,620 |
| Equity capital to assets | 11.9496% | 1,933 |
| Core capital (leverage) ratio | 11.9646% | 1,759 |
| Tier 1 risk-based capital ratio | 18.3049% | 1,664 |
| Total risk-based capital ratio | 19.5636% | 1,617 |
| Memoranda: | ||
| Average total assets | $143,782,400 | 3,458 |
| Average earning assets | $138,806,200 | 3,375 |
| Average equity | $16,973,000 | 3,395 |
| Average total loans | $90,290,200 | 3,477 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,810 |
| Cost of funding earning assets | 0.3969% | 3,880 |
| Net interest margin | 3.2006% | 4,510 |
| Noninterest income to average assets | 0.0947% | 5,229 |
| Noninterest expense to average assets | 2.2620% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6874% | 4,265 |
| Return on assets (ROA) | 0.6896% | 4,270 |
| Pretax return on assets | 0.9189% | 3,951 |
| Return on Equity (ROE) | 5.8601% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.8601% | 2,727 |
| Net charge-offs to loans | 0.0709% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.5620% | 1,954 |
| Efficiency ratio | 71.1741% | 2,009 |
| Assets per employee ($millions) | 6.1532% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 507 |
| Loan loss allowance to noncurrent loans | 56.5100% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.3607% | 388 |
| Noncurrent loans to loans | 3.4996% | 271 |
| Net loans and leases to total assets | 66.1224% | 3,161 |
| Net loans and leases to deposits | 78.5401% | 3,185 |
| Net loans and leases to core deposits | 81.3214% | 3,378 |
| Total domestic deposits to total assets | 84.1893% | 2,878 |
| Equity capital to assets | 12.2163% | 1,764 |
| Core capital (leverage) ratio | 11.9922% | 1,788 |
| Tier 1 risk-based capital ratio | 17.5234% | 1,918 |
| Total risk-based capital ratio | 18.7813% | 1,878 |
| Memoranda: | ||
| Average total assets | $143,647,250 | 3,497 |
| Average earning assets | $138,388,750 | 3,415 |
| Average equity | $16,904,750 | 3,428 |
| Average total loans | $90,317,750 | 3,503 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4699% | 4,956 |
| Cost of funding earning assets | 0.3718% | 3,927 |
| Net interest margin | 3.0981% | 4,730 |
| Noninterest income to average assets | 0.0914% | 5,291 |
| Noninterest expense to average assets | 2.2168% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6271% | 4,415 |
| Return on assets (ROA) | 0.6304% | 4,413 |
| Pretax return on assets | 0.8576% | 4,084 |
| Return on Equity (ROE) | 5.4242% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.4242% | 2,861 |
| Net charge-offs to loans | 0.1287% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.8070% | 2,309 |
| Efficiency ratio | 72.2022% | 1,969 |
| Assets per employee ($millions) | 6.3153% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 488 |
| Loan loss allowance to noncurrent loans | 58.2094% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 2.2223% | 436 |
| Noncurrent loans to loans | 3.4989% | 278 |
| Net loans and leases to total assets | 62.2218% | 3,574 |
| Net loans and leases to deposits | 71.1500% | 3,773 |
| Net loans and leases to core deposits | 73.7860% | 3,892 |
| Total domestic deposits to total assets | 87.4516% | 1,667 |
| Equity capital to assets | 11.7030% | 2,060 |
| Core capital (leverage) ratio | 11.6560% | 1,938 |
| Tier 1 risk-based capital ratio | 17.4228% | 1,962 |
| Total risk-based capital ratio | 18.6814% | 1,914 |
| Memoranda: | ||
| Average total assets | $144,355,000 | 3,509 |
| Average earning assets | $138,793,000 | 3,428 |
| Average equity | $16,776,670 | 3,467 |
| Average total loans | $88,601,330 | 3,553 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4043% | 5,013 |
| Cost of funding earning assets | 0.3629% | 3,894 |
| Net interest margin | 3.0414% | 4,815 |
| Noninterest income to average assets | 0.0945% | 5,348 |
| Noninterest expense to average assets | 2.1153% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6866% | 4,149 |
| Return on assets (ROA) | 0.6866% | 4,153 |
| Pretax return on assets | 0.9145% | 3,800 |
| Return on Equity (ROE) | 5.9284% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.9284% | 2,743 |
| Net charge-offs to loans | 0.2720% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.5763% | 2,224 |
| Efficiency ratio | 69.8165% | 2,511 |
| Assets per employee ($millions) | 6.3887% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2526% | 351 |
| Loan loss allowance to noncurrent loans | 41.8880% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 3.0495% | 262 |
| Noncurrent loans to loans | 5.3776% | 126 |
| Net loans and leases to total assets | 55.4304% | 4,165 |
| Net loans and leases to deposits | 63.0662% | 4,269 |
| Net loans and leases to core deposits | 65.3618% | 4,355 |
| Total domestic deposits to total assets | 87.8924% | 1,684 |
| Equity capital to assets | 11.4161% | 2,205 |
| Core capital (leverage) ratio | 11.4981% | 2,017 |
| Tier 1 risk-based capital ratio | 18.1287% | 1,800 |
| Total risk-based capital ratio | 19.3887% | 1,748 |
| Memoranda: | ||
| Average total assets | $143,906,000 | 3,548 |
| Average earning assets | $138,882,000 | 3,467 |
| Average equity | $16,665,500 | 3,512 |
| Average total loans | $86,773,000 | 3,614 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 5,163 |
| Cost of funding earning assets | 0.3646% | 3,569 |
| Net interest margin | 2.8589% | 5,094 |
| Noninterest income to average assets | 0.1275% | 5,308 |
| Noninterest expense to average assets | 2.0796% | 4,808 |
| Loan and lease loss provision to assets | 0.1723% | 1,276 |
| Net operating income to assets | 0.5645% | 4,171 |
| Return on assets (ROA) | 0.5645% | 4,199 |
| Pretax return on assets | 0.6321% | 4,671 |
| Return on Equity (ROE) | 5.0098% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.8689% | 3,596 |
| Net charge-offs to loans | 0.5528% | 420 |
| Credit loss provision to net charge-offs | 49.9002% | 3,335 |
| Earnings coverage of net charge-offs (x) | 2.3293% | 3,757 |
| Efficiency ratio | 72.1080% | 2,208 |
| Assets per employee ($millions) | 5.6348% | 1,807 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1459% | 409 |
| Loan loss allowance to noncurrent loans | 41.3941% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 3.3201% | 211 |
| Noncurrent loans to loans | 5.1841% | 124 |
| Net loans and leases to total assets | 62.6694% | 3,531 |
| Net loans and leases to deposits | 71.4576% | 3,744 |
| Net loans and leases to core deposits | 73.4706% | 3,924 |
| Total domestic deposits to total assets | 87.7015% | 1,656 |
| Equity capital to assets | 11.7526% | 2,001 |
| Core capital (leverage) ratio | 11.4365% | 1,986 |
| Tier 1 risk-based capital ratio | 17.0294% | 2,081 |
| Total risk-based capital ratio | 18.2882% | 2,030 |
| Memoranda: | ||
| Average total assets | $145,074,200 | 3,538 |
| Average earning assets | $139,877,800 | 3,454 |
| Average equity | $16,348,000 | 3,551 |
| Average total loans | $90,623,200 | 3,513 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1712% | 5,265 |
| Cost of funding earning assets | 0.3658% | 3,502 |
| Net interest margin | 2.8054% | 5,206 |
| Noninterest income to average assets | 0.0931% | 5,498 |
| Noninterest expense to average assets | 2.0466% | 4,857 |
| Loan and lease loss provision to assets | 0.2281% | 801 |
| Net operating income to assets | 0.2938% | 5,225 |
| Return on assets (ROA) | 0.2938% | 5,249 |
| Pretax return on assets | 0.5192% | 4,985 |
| Return on Equity (ROE) | 2.6345% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.6018% | 4,334 |
| Net charge-offs to loans | 0.7422% | 252 |
| Credit loss provision to net charge-offs | 49.5050% | 2,917 |
| Earnings coverage of net charge-offs (x) | 1.6218% | 3,561 |
| Efficiency ratio | 73.2528% | 2,004 |
| Assets per employee ($millions) | 5.7825% | 1,665 |
| Cash dividends to net income (ytd only)* | 1.2415% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 539 |
| Loan loss allowance to noncurrent loans | 35.7712% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.7361% | 183 |
| Noncurrent loans to loans | 5.6950% | 117 |
| Net loans and leases to total assets | 64.2672% | 3,352 |
| Net loans and leases to deposits | 76.8816% | 3,285 |
| Net loans and leases to core deposits | 79.2646% | 3,513 |
| Total domestic deposits to total assets | 83.5925% | 3,258 |
| Equity capital to assets | 11.3737% | 2,494 |
| Core capital (leverage) ratio | 11.1723% | 2,302 |
| Tier 1 risk-based capital ratio | 16.1368% | 2,444 |
| Total risk-based capital ratio | 17.3943% | 2,386 |
| Memoranda: | ||
| Average total assets | $146,125,000 | 3,550 |
| Average earning assets | $140,679,750 | 3,467 |
| Average equity | $16,296,000 | 3,591 |
| Average total loans | $90,724,250 | 3,545 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0612% | 5,384 |
| Cost of funding earning assets | 0.3630% | 3,451 |
| Net interest margin | 2.6982% | 5,360 |
| Noninterest income to average assets | 0.0968% | 5,529 |
| Noninterest expense to average assets | 2.0280% | 4,914 |
| Loan and lease loss provision to assets | 0.2046% | 886 |
| Net operating income to assets | 0.2359% | 5,340 |
| Return on assets (ROA) | 0.2359% | 5,360 |
| Pretax return on assets | 0.4596% | 5,070 |
| Return on Equity (ROE) | 2.1296% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.1296% | 4,401 |
| Net charge-offs to loans | 1.0520% | 190 |
| Credit loss provision to net charge-offs | 31.9149% | 2,712 |
| Earnings coverage of net charge-offs (x) | 1.0362% | 3,328 |
| Efficiency ratio | 75.3293% | 1,816 |
| Assets per employee ($millions) | 5.7995% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0111% | 590 |
| Loan loss allowance to noncurrent loans | 28.3523% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 4.5418% | 132 |
| Noncurrent loans to loans | 7.0934% | 66 |
| Net loans and leases to total assets | 62.7404% | 3,543 |
| Net loans and leases to deposits | 71.3425% | 3,795 |
| Net loans and leases to core deposits | 73.2864% | 3,998 |
| Total domestic deposits to total assets | 87.9425% | 1,483 |
| Equity capital to assets | 11.2354% | 2,557 |
| Core capital (leverage) ratio | 10.9019% | 2,506 |
| Tier 1 risk-based capital ratio | 16.0278% | 2,493 |
| Total risk-based capital ratio | 17.2852% | 2,428 |
| Memoranda: | ||
| Average total assets | $146,646,000 | 3,562 |
| Average earning assets | $141,057,000 | 3,478 |
| Average equity | $16,247,330 | 3,610 |
| Average total loans | $89,353,000 | 3,589 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0434% | 5,417 |
| Cost of funding earning assets | 0.3610% | 3,402 |
| Net interest margin | 2.6824% | 5,410 |
| Noninterest income to average assets | 0.0949% | 5,610 |
| Noninterest expense to average assets | 1.8715% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5831% | 4,226 |
| Return on assets (ROA) | 0.5831% | 4,273 |
| Pretax return on assets | 0.8028% | 4,102 |
| Return on Equity (ROE) | 5.3001% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.3001% | 2,738 |
| Net charge-offs to loans | 0.1141% | 1,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.8400% | 1,867 |
| Efficiency ratio | 69.9797% | 2,896 |
| Assets per employee ($millions) | 6.0485% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 301 |
| Loan loss allowance to noncurrent loans | 45.9023% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.1148% | 306 |
| Noncurrent loans to loans | 5.5412% | 136 |
| Net loans and leases to total assets | 54.7823% | 4,271 |
| Net loans and leases to deposits | 61.8439% | 4,445 |
| Net loans and leases to core deposits | 63.3226% | 4,576 |
| Total domestic deposits to total assets | 88.5817% | 1,384 |
| Equity capital to assets | 10.7980% | 2,858 |
| Core capital (leverage) ratio | 10.9173% | 2,457 |
| Tier 1 risk-based capital ratio | 17.2655% | 2,106 |
| Total risk-based capital ratio | 18.5289% | 2,048 |
| Memoranda: | ||
| Average total assets | $147,475,000 | 3,585 |
| Average earning assets | $141,815,000 | 3,499 |
| Average equity | $16,226,000 | 3,636 |
| Average total loans | $87,613,000 | 3,654 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 5,227 |
| Cost of funding earning assets | 0.3876% | 3,127 |
| Net interest margin | 2.8684% | 5,186 |
| Noninterest income to average assets | 0.1036% | 5,634 |
| Noninterest expense to average assets | 1.7075% | 5,557 |
| Loan and lease loss provision to assets | 0.3986% | 392 |
| Net operating income to assets | 0.5247% | 4,533 |
| Return on assets (ROA) | 0.5342% | 4,590 |
| Pretax return on assets | 0.7541% | 4,325 |
| Return on Equity (ROE) | 4.9328% | 4,463 |
| Retained earnings to average equity (ytd only) | 0.9448% | 4,943 |
| Net charge-offs to loans | 0.8966% | 209 |
| Credit loss provision to net charge-offs | 71.3436% | 3,115 |
| Earnings coverage of net charge-offs (x) | 2.0392% | 3,895 |
| Efficiency ratio | 59.9767% | 4,586 |
| Assets per employee ($millions) | 5.7495% | 1,661 |
| Cash dividends to net income (ytd only)* | 80.8458% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4239% | 344 |
| Loan loss allowance to noncurrent loans | 46.7807% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 3.2525% | 279 |
| Noncurrent loans to loans | 5.1814% | 147 |
| Net loans and leases to total assets | 61.2501% | 3,693 |
| Net loans and leases to deposits | 69.4341% | 3,969 |
| Net loans and leases to core deposits | 71.3363% | 4,126 |
| Total domestic deposits to total assets | 88.2132% | 1,527 |
| Equity capital to assets | 11.2177% | 2,401 |
| Core capital (leverage) ratio | 10.9348% | 2,400 |
| Tier 1 risk-based capital ratio | 16.4668% | 2,362 |
| Total risk-based capital ratio | 17.7286% | 2,295 |
| Memoranda: | ||
| Average total assets | $150,513,800 | 3,516 |
| Average earning assets | $143,947,000 | 3,448 |
| Average equity | $16,299,000 | 3,652 |
| Average total loans | $93,799,200 | 3,501 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2649% | 5,256 |
| Cost of funding earning assets | 0.3900% | 3,128 |
| Net interest margin | 2.8749% | 5,225 |
| Noninterest income to average assets | 0.0885% | 5,747 |
| Noninterest expense to average assets | 1.5356% | 5,732 |
| Loan and lease loss provision to assets | 0.4380% | 309 |
| Net operating income to assets | 0.6427% | 4,111 |
| Return on assets (ROA) | 0.6447% | 4,229 |
| Pretax return on assets | 0.8620% | 4,114 |
| Return on Equity (ROE) | 6.0046% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.0046% | 2,182 |
| Net charge-offs to loans | 1.1813% | 132 |
| Credit loss provision to net charge-offs | 59.5948% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.7652% | 3,657 |
| Efficiency ratio | 54.2053% | 5,225 |
| Assets per employee ($millions) | 6.0320% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 573 |
| Loan loss allowance to noncurrent loans | 43.2505% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 3.2029% | 344 |
| Noncurrent loans to loans | 4.9218% | 171 |
| Net loans and leases to total assets | 63.6903% | 3,441 |
| Net loans and leases to deposits | 78.6577% | 3,115 |
| Net loans and leases to core deposits | 80.8957% | 3,361 |
| Total domestic deposits to total assets | 80.9715% | 4,258 |
| Equity capital to assets | 11.1326% | 2,883 |
| Core capital (leverage) ratio | 10.8168% | 2,666 |
| Tier 1 risk-based capital ratio | 15.8027% | 2,703 |
| Total risk-based capital ratio | 17.0615% | 2,638 |
| Memoranda: | ||
| Average total assets | $152,208,000 | 3,496 |
| Average earning assets | $145,301,500 | 3,449 |
| Average equity | $16,342,750 | 3,679 |
| Average total loans | $94,692,500 | 3,499 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 5,515 |
| Cost of funding earning assets | 0.3855% | 3,200 |
| Net interest margin | 2.7464% | 5,510 |
| Noninterest income to average assets | 0.0917% | 5,807 |
| Noninterest expense to average assets | 1.5235% | 5,821 |
| Loan and lease loss provision to assets | 0.5240% | 241 |
| Net operating income to assets | 0.4515% | 4,863 |
| Return on assets (ROA) | 0.4532% | 4,946 |
| Pretax return on assets | 0.6694% | 4,714 |
| Return on Equity (ROE) | 4.2731% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.2731% | 3,194 |
| Net charge-offs to loans | -0.0043% | 4,490 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1293% | 5,132 |
| Assets per employee ($millions) | 6.0891% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9218% | 215 |
| Loan loss allowance to noncurrent loans | 52.9269% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.5125% | 304 |
| Noncurrent loans to loans | 5.5205% | 145 |
| Net loans and leases to total assets | 61.7683% | 3,650 |
| Net loans and leases to deposits | 72.4072% | 3,750 |
| Net loans and leases to core deposits | 74.3404% | 3,952 |
| Total domestic deposits to total assets | 85.3068% | 2,735 |
| Equity capital to assets | 10.7898% | 3,298 |
| Core capital (leverage) ratio | 10.5492% | 2,915 |
| Tier 1 risk-based capital ratio | 14.9265% | 3,104 |
| Total risk-based capital ratio | 16.1934% | 3,044 |
| Memoranda: | ||
| Average total assets | $152,677,330 | 3,514 |
| Average earning assets | $145,791,330 | 3,462 |
| Average equity | $16,194,330 | 3,710 |
| Average total loans | $93,545,330 | 3,535 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1055% | 5,602 |
| Cost of funding earning assets | 0.3909% | 3,177 |
| Net interest margin | 2.7146% | 5,596 |
| Noninterest income to average assets | 0.0759% | 5,890 |
| Noninterest expense to average assets | 1.5225% | 5,899 |
| Loan and lease loss provision to assets | 0.2616% | 656 |
| Net operating income to assets | 0.6762% | 3,839 |
| Return on assets (ROA) | 0.6802% | 3,933 |
| Pretax return on assets | 0.8947% | 3,863 |
| Return on Equity (ROE) | 6.4681% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.4681% | 2,155 |
| Net charge-offs to loans | 0.0044% | 2,971 |
| Credit loss provision to net charge-offs | 10,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 440.0000% | 133 |
| Efficiency ratio | 56.9472% | 5,098 |
| Assets per employee ($millions) | 6.2763% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7982% | 275 |
| Loan loss allowance to noncurrent loans | 43.0494% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 3.7411% | 280 |
| Noncurrent loans to loans | 6.4999% | 122 |
| Net loans and leases to total assets | 55.9452% | 4,263 |
| Net loans and leases to deposits | 63.0958% | 4,498 |
| Net loans and leases to core deposits | 64.6645% | 4,647 |
| Total domestic deposits to total assets | 88.6672% | 1,257 |
| Equity capital to assets | 10.3679% | 3,662 |
| Core capital (leverage) ratio | 10.4053% | 3,065 |
| Tier 1 risk-based capital ratio | 15.4501% | 2,949 |
| Total risk-based capital ratio | 16.7140% | 2,871 |
| Memoranda: | ||
| Average total assets | $152,902,500 | 3,540 |
| Average earning assets | $146,322,500 | 3,472 |
| Average equity | $16,079,000 | 3,721 |
| Average total loans | $91,889,000 | 3,580 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1403% | 5,590 |
| Cost of funding earning assets | 0.4013% | 3,147 |
| Net interest margin | 2.7390% | 5,606 |
| Noninterest income to average assets | 0.1436% | 5,695 |
| Noninterest expense to average assets | 1.4799% | 5,994 |
| Loan and lease loss provision to assets | 0.1977% | 1,092 |
| Net operating income to assets | 0.8838% | 2,961 |
| Return on assets (ROA) | 0.9212% | 2,840 |
| Pretax return on assets | 1.1386% | 2,893 |
| Return on Equity (ROE) | 8.9112% | 2,493 |
| Retained earnings to average equity (ytd only) | 5.7240% | 1,944 |
| Net charge-offs to loans | 0.0190% | 3,893 |
| Credit loss provision to net charge-offs | 1,764.7059% | 196 |
| Earnings coverage of net charge-offs (x) | 115.1765% | 521 |
| Efficiency ratio | 53.4253% | 5,558 |
| Assets per employee ($millions) | 5.9559% | 1,417 |
| Cash dividends to net income (ytd only)* | 35.7654% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5977% | 354 |
| Loan loss allowance to noncurrent loans | 42.1162% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 3.8718% | 274 |
| Noncurrent loans to loans | 6.1678% | 132 |
| Net loans and leases to total assets | 61.1432% | 3,668 |
| Net loans and leases to deposits | 69.2511% | 3,994 |
| Net loans and leases to core deposits | 71.0730% | 4,205 |
| Total domestic deposits to total assets | 88.2920% | 1,480 |
| Equity capital to assets | 10.6717% | 3,165 |
| Core capital (leverage) ratio | 10.5722% | 2,857 |
| Tier 1 risk-based capital ratio | 15.2129% | 3,074 |
| Total risk-based capital ratio | 16.4757% | 3,004 |
| Memoranda: | ||
| Average total assets | $151,762,800 | 3,543 |
| Average earning assets | $145,525,600 | 3,466 |
| Average equity | $15,688,200 | 3,730 |
| Average total loans | $89,452,400 | 3,600 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 5,709 |
| Cost of funding earning assets | 0.4041% | 3,180 |
| Net interest margin | 2.6977% | 5,727 |
| Noninterest income to average assets | 0.1111% | 5,910 |
| Noninterest expense to average assets | 1.5206% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9704% | 2,619 |
| Return on assets (ROA) | 1.0204% | 2,471 |
| Pretax return on assets | 1.2364% | 2,671 |
| Return on Equity (ROE) | 9.9500% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.9500% | 640 |
| Net charge-offs to loans | 0.0271% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 74.7204% | 780 |
| Efficiency ratio | 56.3878% | 5,299 |
| Assets per employee ($millions) | 6.2119% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 663 |
| Loan loss allowance to noncurrent loans | 35.4736% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 4.0218% | 294 |
| Noncurrent loans to loans | 6.2018% | 129 |
| Net loans and leases to total assets | 63.4225% | 3,389 |
| Net loans and leases to deposits | 74.4455% | 3,494 |
| Net loans and leases to core deposits | 76.4728% | 3,744 |
| Total domestic deposits to total assets | 85.1931% | 2,935 |
| Equity capital to assets | 10.9125% | 3,114 |
| Core capital (leverage) ratio | 10.5525% | 2,986 |
| Tier 1 risk-based capital ratio | 15.3453% | 3,118 |
| Total risk-based capital ratio | 16.6047% | 3,047 |
| Memoranda: | ||
| Average total assets | $152,479,000 | 3,561 |
| Average earning assets | $146,148,250 | 3,486 |
| Average equity | $15,637,750 | 3,774 |
| Average total loans | $88,448,250 | 3,655 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9985% | 5,856 |
| Cost of funding earning assets | 0.4062% | 3,209 |
| Net interest margin | 2.5924% | 5,892 |
| Noninterest income to average assets | 0.1185% | 5,952 |
| Noninterest expense to average assets | 1.4960% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9015% | 2,871 |
| Return on assets (ROA) | 0.9752% | 2,620 |
| Pretax return on assets | 1.1887% | 2,822 |
| Return on Equity (ROE) | 9.7100% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.7100% | 726 |
| Net charge-offs to loans | 0.0467% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 1,093 |
| Efficiency ratio | 57.6518% | 5,260 |
| Assets per employee ($millions) | 6.3186% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2941% | 633 |
| Loan loss allowance to noncurrent loans | 39.9812% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.5049% | 412 |
| Noncurrent loans to loans | 5.7380% | 173 |
| Net loans and leases to total assets | 59.6800% | 3,881 |
| Net loans and leases to deposits | 67.6405% | 4,165 |
| Net loans and leases to core deposits | 69.6000% | 4,355 |
| Total domestic deposits to total assets | 88.2312% | 1,529 |
| Equity capital to assets | 10.4110% | 3,547 |
| Core capital (leverage) ratio | 10.1348% | 3,422 |
| Tier 1 risk-based capital ratio | 15.3435% | 3,183 |
| Total risk-based capital ratio | 16.6040% | 3,115 |
| Memoranda: | ||
| Average total assets | $153,610,000 | 3,570 |
| Average earning assets | $146,737,670 | 3,507 |
| Average equity | $15,427,330 | 3,826 |
| Average total loans | $85,704,000 | 3,739 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8906% | 6,000 |
| Cost of funding earning assets | 0.4052% | 3,247 |
| Net interest margin | 2.4855% | 6,034 |
| Noninterest income to average assets | 0.1190% | 6,003 |
| Noninterest expense to average assets | 1.4774% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8042% | 3,239 |
| Return on assets (ROA) | 0.8332% | 3,224 |
| Pretax return on assets | 1.0427% | 3,327 |
| Return on Equity (ROE) | 8.4476% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.4476% | 1,396 |
| Net charge-offs to loans | 0.0195% | 2,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 97.2500% | 511 |
| Efficiency ratio | 59.4792% | 5,160 |
| Assets per employee ($millions) | 6.7374% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6322% | 443 |
| Loan loss allowance to noncurrent loans | 48.4389% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7335% | 737 |
| Noncurrent loans to loans | 5.4341% | 217 |
| Net loans and leases to total assets | 48.9786% | 4,943 |
| Net loans and leases to deposits | 54.9922% | 5,125 |
| Net loans and leases to core deposits | 55.8705% | 5,256 |
| Total domestic deposits to total assets | 89.0647% | 1,220 |
| Equity capital to assets | 9.5673% | 4,673 |
| Core capital (leverage) ratio | 9.8516% | 3,818 |
| Tier 1 risk-based capital ratio | 16.7941% | 2,566 |
| Total risk-based capital ratio | 18.0581% | 2,513 |
| Memoranda: | ||
| Average total assets | $154,591,500 | 3,579 |
| Average earning assets | $147,095,000 | 3,518 |
| Average equity | $15,247,000 | 3,882 |
| Average total loans | $82,242,000 | 3,829 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1101% | 5,944 |
| Cost of funding earning assets | 0.4354% | 3,329 |
| Net interest margin | 2.6746% | 5,978 |
| Noninterest income to average assets | 0.1340% | 6,020 |
| Noninterest expense to average assets | 1.6626% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8015% | 3,361 |
| Return on assets (ROA) | 0.8175% | 3,378 |
| Pretax return on assets | 1.0397% | 3,352 |
| Return on Equity (ROE) | 8.3854% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.9678% | 1,949 |
| Net charge-offs to loans | 0.1719% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.1324% | 2,539 |
| Efficiency ratio | 61.9885% | 4,921 |
| Assets per employee ($millions) | 6.4124% | 1,109 |
| Cash dividends to net income (ytd only)* | 28.8303% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5798% | 497 |
| Loan loss allowance to noncurrent loans | 53.8404% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.7013% | 818 |
| Noncurrent loans to loans | 4.7916% | 319 |
| Net loans and leases to total assets | 54.9211% | 4,459 |
| Net loans and leases to deposits | 62.1164% | 4,716 |
| Net loans and leases to core deposits | 62.8924% | 4,929 |
| Total domestic deposits to total assets | 88.4165% | 1,557 |
| Equity capital to assets | 10.1867% | 3,873 |
| Core capital (leverage) ratio | 10.0455% | 3,508 |
| Tier 1 risk-based capital ratio | 16.4820% | 2,721 |
| Total risk-based capital ratio | 17.7457% | 2,666 |
| Memoranda: | ||
| Average total assets | $148,500,600 | 3,654 |
| Average earning assets | $141,476,800 | 3,577 |
| Average equity | $14,477,600 | 3,941 |
| Average total loans | $79,104,000 | 3,898 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 6,027 |
| Cost of funding earning assets | 0.4417% | 3,351 |
| Net interest margin | 2.6632% | 6,052 |
| Noninterest income to average assets | 0.1219% | 6,155 |
| Noninterest expense to average assets | 1.9038% | 5,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5385% | 4,715 |
| Return on assets (ROA) | 0.5566% | 4,726 |
| Pretax return on assets | 0.7780% | 4,433 |
| Return on Equity (ROE) | 5.7735% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.7735% | 2,553 |
| Net charge-offs to loans | 0.1024% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.9996% | 2,175 |
| Efficiency ratio | 71.6599% | 3,244 |
| Assets per employee ($millions) | 6.3734% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6489% | 527 |
| Loan loss allowance to noncurrent loans | 56.8904% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.6632% | 956 |
| Noncurrent loans to loans | 4.6561% | 412 |
| Net loans and leases to total assets | 55.6836% | 4,374 |
| Net loans and leases to deposits | 63.3246% | 4,608 |
| Net loans and leases to core deposits | 64.3769% | 4,847 |
| Total domestic deposits to total assets | 87.9336% | 1,800 |
| Equity capital to assets | 10.0744% | 4,077 |
| Core capital (leverage) ratio | 9.9291% | 3,769 |
| Tier 1 risk-based capital ratio | 16.2724% | 2,925 |
| Total risk-based capital ratio | 17.5371% | 2,861 |
| Memoranda: | ||
| Average total assets | $148,754,250 | 3,679 |
| Average earning assets | $141,579,500 | 3,603 |
| Average equity | $14,341,000 | 3,991 |
| Average total loans | $78,093,500 | 3,960 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9366% | 6,234 |
| Cost of funding earning assets | 0.4493% | 3,333 |
| Net interest margin | 2.4873% | 6,293 |
| Noninterest income to average assets | 0.1244% | 6,182 |
| Noninterest expense to average assets | 1.8906% | 6,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3904% | 5,260 |
| Return on assets (ROA) | 0.4148% | 5,238 |
| Pretax return on assets | 0.6342% | 4,840 |
| Return on Equity (ROE) | 4.3666% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.3666% | 3,399 |
| Net charge-offs to loans | 0.1628% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.1935% | 2,665 |
| Efficiency ratio | 76.0086% | 2,629 |
| Assets per employee ($millions) | 6.4931% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7715% | 485 |
| Loan loss allowance to noncurrent loans | 56.2769% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.6402% | 1,020 |
| Noncurrent loans to loans | 4.9247% | 407 |
| Net loans and leases to total assets | 52.1260% | 4,735 |
| Net loans and leases to deposits | 58.8850% | 4,966 |
| Net loans and leases to core deposits | 59.7240% | 5,146 |
| Total domestic deposits to total assets | 88.5216% | 1,624 |
| Equity capital to assets | 9.6651% | 4,536 |
| Core capital (leverage) ratio | 9.4599% | 4,382 |
| Tier 1 risk-based capital ratio | 16.1779% | 2,990 |
| Total risk-based capital ratio | 17.4434% | 2,936 |
| Memoranda: | ||
| Average total assets | $149,476,000 | 3,685 |
| Average earning assets | $142,000,670 | 3,616 |
| Average equity | $14,198,670 | 4,011 |
| Average total loans | $76,175,670 | 4,034 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8738% | 6,345 |
| Cost of funding earning assets | 0.4621% | 3,291 |
| Net interest margin | 2.4118% | 6,412 |
| Noninterest income to average assets | 0.1123% | 6,293 |
| Noninterest expense to average assets | 1.9259% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2568% | 5,643 |
| Return on assets (ROA) | 0.2568% | 5,685 |
| Pretax return on assets | 0.4761% | 5,240 |
| Return on Equity (ROE) | 2.7271% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.7271% | 4,452 |
| Net charge-offs to loans | 0.4257% | 856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.2532% | 2,922 |
| Efficiency ratio | 80.1782% | 2,184 |
| Assets per employee ($millions) | 6.3736% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0447% | 409 |
| Loan loss allowance to noncurrent loans | 51.5449% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 2.7928% | 1,069 |
| Noncurrent loans to loans | 5.9068% | 309 |
| Net loans and leases to total assets | 45.8406% | 5,344 |
| Net loans and leases to deposits | 51.5043% | 5,485 |
| Net loans and leases to core deposits | 52.1179% | 5,611 |
| Total domestic deposits to total assets | 89.0035% | 1,661 |
| Equity capital to assets | 9.2647% | 4,794 |
| Core capital (leverage) ratio | 9.4867% | 4,303 |
| Tier 1 risk-based capital ratio | 17.2731% | 2,562 |
| Total risk-based capital ratio | 18.5404% | 2,522 |
| Memoranda: | ||
| Average total assets | $149,543,000 | 3,709 |
| Average earning assets | $141,971,000 | 3,644 |
| Average equity | $14,081,000 | 4,030 |
| Average total loans | $74,231,000 | 4,129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1377% | 6,204 |
| Cost of funding earning assets | 0.5162% | 3,440 |
| Net interest margin | 2.6215% | 6,240 |
| Noninterest income to average assets | 0.1772% | 6,019 |
| Noninterest expense to average assets | 1.8149% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6282% | 4,120 |
| Return on assets (ROA) | 0.6282% | 4,234 |
| Pretax return on assets | 0.8557% | 3,939 |
| Return on Equity (ROE) | 6.5280% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.0200% | 3,331 |
| Net charge-offs to loans | 0.0066% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 248.2000% | 182 |
| Efficiency ratio | 67.9577% | 4,208 |
| Assets per employee ($millions) | 6.0883% | 1,211 |
| Cash dividends to net income (ytd only)* | 38.4193% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9958% | 470 |
| Loan loss allowance to noncurrent loans | 57.1250% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.7327% | 1,219 |
| Noncurrent loans to loans | 5.2444% | 451 |
| Net loans and leases to total assets | 50.5465% | 5,022 |
| Net loans and leases to deposits | 56.9800% | 5,209 |
| Net loans and leases to core deposits | 57.6934% | 5,414 |
| Total domestic deposits to total assets | 88.7092% | 1,797 |
| Equity capital to assets | 9.5744% | 4,321 |
| Core capital (leverage) ratio | 9.5087% | 4,247 |
| Tier 1 risk-based capital ratio | 16.3679% | 2,921 |
| Total risk-based capital ratio | 17.6346% | 2,867 |
| Memoranda: | ||
| Average total assets | $145,023,200 | 3,786 |
| Average earning assets | $137,937,000 | 3,698 |
| Average equity | $13,955,200 | 4,081 |
| Average total loans | $75,424,800 | 4,079 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 6,248 |
| Cost of funding earning assets | 0.5283% | 3,483 |
| Net interest margin | 2.6271% | 6,286 |
| Noninterest income to average assets | 0.1630% | 6,208 |
| Noninterest expense to average assets | 1.9021% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5342% | 4,644 |
| Return on assets (ROA) | 0.5342% | 4,800 |
| Pretax return on assets | 0.7618% | 4,448 |
| Return on Equity (ROE) | 5.5448% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.5448% | 2,699 |
| Net charge-offs to loans | 0.0142% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 103.3402% | 486 |
| Efficiency ratio | 71.4039% | 3,531 |
| Assets per employee ($millions) | 6.0539% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9642% | 569 |
| Loan loss allowance to noncurrent loans | 85.7681% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 2,234 |
| Noncurrent loans to loans | 3.4560% | 1,108 |
| Net loans and leases to total assets | 51.3256% | 4,959 |
| Net loans and leases to deposits | 58.1489% | 5,173 |
| Net loans and leases to core deposits | 59.0037% | 5,367 |
| Total domestic deposits to total assets | 88.2659% | 1,956 |
| Equity capital to assets | 9.6769% | 4,328 |
| Core capital (leverage) ratio | 9.6572% | 4,161 |
| Tier 1 risk-based capital ratio | 16.6489% | 2,882 |
| Total risk-based capital ratio | 17.9170% | 2,834 |
| Memoranda: | ||
| Average total assets | $144,749,250 | 3,827 |
| Average earning assets | $137,791,250 | 3,738 |
| Average equity | $13,946,500 | 4,125 |
| Average total loans | $75,246,250 | 4,109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 6,232 |
| Cost of funding earning assets | 0.5362% | 3,537 |
| Net interest margin | 2.6620% | 6,238 |
| Noninterest income to average assets | 0.1757% | 6,158 |
| Noninterest expense to average assets | 1.8676% | 6,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6225% | 4,187 |
| Return on assets (ROA) | 0.6225% | 4,344 |
| Pretax return on assets | 0.8494% | 4,117 |
| Return on Equity (ROE) | 6.4708% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.4708% | 2,163 |
| Net charge-offs to loans | 0.0134% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 122.8000% | 395 |
| Efficiency ratio | 68.7373% | 4,053 |
| Assets per employee ($millions) | 6.0648% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9726% | 598 |
| Loan loss allowance to noncurrent loans | 115.4937% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 3,068 |
| Noncurrent loans to loans | 2.5739% | 1,785 |
| Net loans and leases to total assets | 51.1508% | 4,980 |
| Net loans and leases to deposits | 57.7703% | 5,179 |
| Net loans and leases to core deposits | 58.6153% | 5,369 |
| Total domestic deposits to total assets | 88.5417% | 1,894 |
| Equity capital to assets | 9.5429% | 4,529 |
| Core capital (leverage) ratio | 9.5377% | 4,186 |
| Tier 1 risk-based capital ratio | 16.5487% | 2,920 |
| Total risk-based capital ratio | 17.8161% | 2,867 |
| Memoranda: | ||
| Average total assets | $144,567,670 | 3,861 |
| Average earning assets | $138,016,670 | 3,753 |
| Average equity | $13,908,670 | 4,163 |
| Average total loans | $74,711,330 | 4,149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 6,172 |
| Cost of funding earning assets | 0.5370% | 3,704 |
| Net interest margin | 2.7519% | 6,123 |
| Noninterest income to average assets | 0.1444% | 6,381 |
| Noninterest expense to average assets | 1.8685% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6830% | 3,766 |
| Return on assets (ROA) | 0.6830% | 3,919 |
| Pretax return on assets | 0.9079% | 3,730 |
| Return on Equity (ROE) | 7.0700% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.0700% | 2,121 |
| Net charge-offs to loans | -0.1085% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3000% | 4,444 |
| Assets per employee ($millions) | 6.2083% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2003% | 547 |
| Loan loss allowance to noncurrent loans | 122.5944% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 3,457 |
| Noncurrent loans to loans | 2.6105% | 1,973 |
| Net loans and leases to total assets | 46.8114% | 5,348 |
| Net loans and leases to deposits | 52.7275% | 5,549 |
| Net loans and leases to core deposits | 53.4762% | 5,713 |
| Total domestic deposits to total assets | 88.7799% | 1,814 |
| Equity capital to assets | 9.4168% | 4,978 |
| Core capital (leverage) ratio | 9.4690% | 4,138 |
| Tier 1 risk-based capital ratio | 16.2685% | 3,122 |
| Total risk-based capital ratio | 17.5363% | 3,065 |
| Memoranda: | ||
| Average total assets | $144,074,500 | 3,910 |
| Average earning assets | $137,796,500 | 3,796 |
| Average equity | $13,918,000 | 4,215 |
| Average total loans | $73,700,500 | 4,210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 6,372 |
| Cost of funding earning assets | 0.6269% | 4,126 |
| Net interest margin | 2.8589% | 6,299 |
| Noninterest income to average assets | 0.1786% | 6,123 |
| Noninterest expense to average assets | 1.9423% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7247% | 3,624 |
| Return on assets (ROA) | 0.7421% | 3,787 |
| Pretax return on assets | 0.9895% | 3,583 |
| Return on Equity (ROE) | 7.1646% | 3,550 |
| Retained earnings to average equity (ytd only) | 1.7533% | 4,981 |
| Net charge-offs to loans | 0.0087% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 215.5000% | 199 |
| Efficiency ratio | 66.7780% | 4,366 |
| Assets per employee ($millions) | 5.7979% | 1,429 |
| Cash dividends to net income (ytd only)* | 75.5287% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0340% | 639 |
| Loan loss allowance to noncurrent loans | 137.4624% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 3,666 |
| Noncurrent loans to loans | 2.2072% | 2,453 |
| Net loans and leases to total assets | 52.5049% | 4,844 |
| Net loans and leases to deposits | 59.4622% | 5,079 |
| Net loans and leases to core deposits | 60.6227% | 5,308 |
| Total domestic deposits to total assets | 88.2996% | 2,030 |
| Equity capital to assets | 9.9210% | 4,278 |
| Core capital (leverage) ratio | 9.9753% | 3,436 |
| Tier 1 risk-based capital ratio | 15.8958% | 3,220 |
| Total risk-based capital ratio | 17.1626% | 3,173 |
| Memoranda: | ||
| Average total assets | $133,807,400 | 4,066 |
| Average earning assets | $127,778,000 | 3,950 |
| Average equity | $13,859,800 | 4,188 |
| Average total loans | $68,873,200 | 4,394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 6,530 |
| Cost of funding earning assets | 0.6488% | 4,210 |
| Net interest margin | 2.8330% | 6,458 |
| Noninterest income to average assets | 0.1620% | 6,328 |
| Noninterest expense to average assets | 2.0492% | 6,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5837% | 4,462 |
| Return on assets (ROA) | 0.6059% | 4,629 |
| Pretax return on assets | 0.8555% | 4,278 |
| Return on Equity (ROE) | 5.7855% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.7855% | 2,848 |
| Net charge-offs to loans | 0.0892% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 18.1995% | 1,577 |
| Efficiency ratio | 71.3135% | 3,446 |
| Assets per employee ($millions) | 5.4867% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9984% | 713 |
| Loan loss allowance to noncurrent loans | 112.6316% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 3,314 |
| Noncurrent loans to loans | 2.6622% | 2,128 |
| Net loans and leases to total assets | 55.2035% | 4,570 |
| Net loans and leases to deposits | 63.4732% | 4,779 |
| Net loans and leases to core deposits | 64.5400% | 5,096 |
| Total domestic deposits to total assets | 86.9714% | 2,684 |
| Equity capital to assets | 10.8050% | 3,498 |
| Core capital (leverage) ratio | 10.3400% | 3,115 |
| Tier 1 risk-based capital ratio | 16.7469% | 2,876 |
| Total risk-based capital ratio | 18.0149% | 2,818 |
| Memoranda: | ||
| Average total assets | $132,472,000 | 4,126 |
| Average earning assets | $126,790,000 | 3,999 |
| Average equity | $13,873,500 | 4,220 |
| Average total loans | $67,255,000 | 4,494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4054% | 6,723 |
| Cost of funding earning assets | 0.6537% | 4,408 |
| Net interest margin | 2.7516% | 6,645 |
| Noninterest income to average assets | 0.1718% | 6,323 |
| Noninterest expense to average assets | 2.0386% | 6,355 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5369% | 4,645 |
| Return on assets (ROA) | 0.5696% | 4,774 |
| Pretax return on assets | 0.8182% | 4,408 |
| Return on Equity (ROE) | 5.4961% | 4,586 |
| Retained earnings to average equity (ytd only) | 5.4961% | 2,990 |
| Net charge-offs to loans | 0.0835% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 18.9630% | 1,460 |
| Efficiency ratio | 72.5469% | 3,333 |
| Assets per employee ($millions) | 5.6062% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1568% | 672 |
| Loan loss allowance to noncurrent loans | 98.6498% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7065% | 3,161 |
| Noncurrent loans to loans | 3.2000% | 1,815 |
| Net loans and leases to total assets | 51.6440% | 5,141 |
| Net loans and leases to deposits | 58.9499% | 5,350 |
| Net loans and leases to core deposits | 59.9121% | 5,599 |
| Total domestic deposits to total assets | 87.6067% | 2,395 |
| Equity capital to assets | 10.3651% | 3,852 |
| Core capital (leverage) ratio | 10.1243% | 3,241 |
| Tier 1 risk-based capital ratio | 17.1451% | 2,607 |
| Total risk-based capital ratio | 18.4146% | 2,565 |
| Memoranda: | ||
| Average total assets | $132,736,000 | 4,146 |
| Average earning assets | $127,269,670 | 4,011 |
| Average equity | $13,755,330 | 4,245 |
| Average total loans | $64,693,670 | 4,618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 6,850 |
| Cost of funding earning assets | 0.6600% | 4,635 |
| Net interest margin | 2.6970% | 6,774 |
| Noninterest income to average assets | 0.1730% | 6,341 |
| Noninterest expense to average assets | 1.9935% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5219% | 4,728 |
| Return on assets (ROA) | 0.5219% | 4,937 |
| Pretax return on assets | 0.7707% | 4,525 |
| Return on Equity (ROE) | 5.0366% | 4,770 |
| Retained earnings to average equity (ytd only) | 5.0366% | 3,537 |
| Net charge-offs to loans | 0.1504% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.0435% | 1,703 |
| Efficiency ratio | 72.1186% | 3,418 |
| Assets per employee ($millions) | 5.5152% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7224% | 457 |
| Loan loss allowance to noncurrent loans | 1,060.2804% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,499 |
| Noncurrent loans to loans | 0.3511% | 5,972 |
| Net loans and leases to total assets | 42.5635% | 6,137 |
| Net loans and leases to deposits | 48.2965% | 6,273 |
| Net loans and leases to core deposits | 49.0596% | 6,393 |
| Total domestic deposits to total assets | 88.1296% | 2,229 |
| Equity capital to assets | 9.9789% | 4,143 |
| Core capital (leverage) ratio | 9.8627% | 3,551 |
| Tier 1 risk-based capital ratio | 19.0626% | 1,969 |
| Total risk-based capital ratio | 20.3367% | 1,933 |
| Memoranda: | ||
| Average total assets | $131,830,000 | 4,190 |
| Average earning assets | $126,661,000 | 4,046 |
| Average equity | $13,660,000 | 4,269 |
| Average total loans | $61,165,000 | 4,764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 6,759 |
| Cost of funding earning assets | 0.7592% | 5,140 |
| Net interest margin | 3.0089% | 6,518 |
| Noninterest income to average assets | 0.2092% | 6,021 |
| Noninterest expense to average assets | 2.0502% | 6,582 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7911% | 3,077 |
| Return on assets (ROA) | 0.7996% | 3,203 |
| Pretax return on assets | 1.0665% | 2,972 |
| Return on Equity (ROE) | 7.2626% | 3,270 |
| Retained earnings to average equity (ytd only) | 1.7383% | 4,980 |
| Net charge-offs to loans | -0.4345% | 7,269 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0225% | 4,772 |
| Assets per employee ($millions) | 5.0312% | 2,149 |
| Cash dividends to net income (ytd only)* | 76.0649% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7345% | 451 |
| Loan loss allowance to noncurrent loans | 367.3077% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,731 |
| Noncurrent loans to loans | 1.0167% | 4,674 |
| Net loans and leases to total assets | 46.9729% | 5,921 |
| Net loans and leases to deposits | 53.8411% | 6,083 |
| Net loans and leases to core deposits | 54.7842% | 6,248 |
| Total domestic deposits to total assets | 87.2435% | 2,616 |
| Equity capital to assets | 10.7816% | 3,213 |
| Core capital (leverage) ratio | 10.3994% | 2,843 |
| Tier 1 risk-based capital ratio | 18.5968% | 2,019 |
| Total risk-based capital ratio | 19.8710% | 1,978 |
| Memoranda: | ||
| Average total assets | $123,306,200 | 4,307 |
| Average earning assets | $118,681,600 | 4,167 |
| Average equity | $13,576,400 | 4,222 |
| Average total loans | $60,068,000 | 4,866 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 6,839 |
| Cost of funding earning assets | 0.7858% | 5,244 |
| Net interest margin | 3.0158% | 6,554 |
| Noninterest income to average assets | 0.1750% | 6,333 |
| Noninterest expense to average assets | 2.1974% | 6,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6175% | 4,017 |
| Return on assets (ROA) | 0.6281% | 4,155 |
| Pretax return on assets | 0.8955% | 3,783 |
| Return on Equity (ROE) | 5.6748% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.6748% | 2,759 |
| Net charge-offs to loans | -0.5111% | 7,344 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3983% | 3,667 |
| Assets per employee ($millions) | 5.1354% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6453% | 506 |
| Loan loss allowance to noncurrent loans | 575.0636% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 6,272 |
| Noncurrent loans to loans | 0.6339% | 5,619 |
| Net loans and leases to total assets | 48.4690% | 5,900 |
| Net loans and leases to deposits | 56.2446% | 6,010 |
| Net loans and leases to core deposits | 57.2680% | 6,200 |
| Total domestic deposits to total assets | 86.1753% | 3,108 |
| Equity capital to assets | 11.2706% | 2,893 |
| Core capital (leverage) ratio | 10.9802% | 2,400 |
| Tier 1 risk-based capital ratio | 19.4587% | 1,825 |
| Total risk-based capital ratio | 20.7333% | 1,791 |
| Memoranda: | ||
| Average total assets | $122,688,000 | 4,347 |
| Average earning assets | $118,088,000 | 4,201 |
| Average equity | $13,580,250 | 4,220 |
| Average total loans | $59,741,500 | 4,910 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 6,994 |
| Cost of funding earning assets | 0.8190% | 5,252 |
| Net interest margin | 2.9062% | 6,781 |
| Noninterest income to average assets | 0.1796% | 6,373 |
| Noninterest expense to average assets | 2.1926% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5267% | 4,390 |
| Return on assets (ROA) | 0.5420% | 4,466 |
| Pretax return on assets | 0.8082% | 3,991 |
| Return on Equity (ROE) | 4.9270% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.9270% | 3,046 |
| Net charge-offs to loans | -0.2238% | 7,307 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6294% | 3,433 |
| Assets per employee ($millions) | 4.9461% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4445% | 623 |
| Loan loss allowance to noncurrent loans | 131.2265% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 4,314 |
| Noncurrent loans to loans | 2.6248% | 2,757 |
| Net loans and leases to total assets | 47.5391% | 6,104 |
| Net loans and leases to deposits | 54.9410% | 6,230 |
| Net loans and leases to core deposits | 55.9444% | 6,417 |
| Total domestic deposits to total assets | 86.5275% | 3,024 |
| Equity capital to assets | 11.0350% | 2,916 |
| Core capital (leverage) ratio | 10.7347% | 2,488 |
| Tier 1 risk-based capital ratio | 19.4964% | 1,718 |
| Total risk-based capital ratio | 20.7678% | 1,685 |
| Memoranda: | ||
| Average total assets | $122,500,670 | 4,376 |
| Average earning assets | $117,955,330 | 4,233 |
| Average equity | $13,476,670 | 4,233 |
| Average total loans | $58,989,330 | 5,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 6,923 |
| Cost of funding earning assets | 0.8423% | 5,318 |
| Net interest margin | 2.9805% | 6,608 |
| Noninterest income to average assets | 0.1509% | 6,644 |
| Noninterest expense to average assets | 2.1915% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5643% | 4,215 |
| Return on assets (ROA) | 0.5643% | 4,294 |
| Pretax return on assets | 0.8267% | 3,802 |
| Return on Equity (ROE) | 5.1372% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.1372% | 3,098 |
| Net charge-offs to loans | -0.4410% | 7,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6087% | 3,748 |
| Assets per employee ($millions) | 5.0869% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7497% | 506 |
| Loan loss allowance to noncurrent loans | 127.2783% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2943% | 4,376 |
| Noncurrent loans to loans | 2.9461% | 2,550 |
| Net loans and leases to total assets | 42.2857% | 6,593 |
| Net loans and leases to deposits | 48.5023% | 6,722 |
| Net loans and leases to core deposits | 49.5216% | 6,801 |
| Total domestic deposits to total assets | 87.1828% | 2,843 |
| Equity capital to assets | 10.5785% | 3,099 |
| Core capital (leverage) ratio | 10.6333% | 2,482 |
| Tier 1 risk-based capital ratio | 20.5474% | 1,464 |
| Total risk-based capital ratio | 21.8216% | 1,442 |
| Memoranda: | ||
| Average total assets | $121,925,000 | 4,419 |
| Average earning assets | $117,295,500 | 4,274 |
| Average equity | $13,392,500 | 4,247 |
| Average total loans | $58,044,000 | 5,088 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 6,922 |
| Cost of funding earning assets | 1.0706% | 5,307 |
| Net interest margin | 3.1292% | 6,441 |
| Noninterest income to average assets | 0.2343% | 6,126 |
| Noninterest expense to average assets | 2.2422% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7188% | 3,153 |
| Return on assets (ROA) | 0.7188% | 3,279 |
| Pretax return on assets | 0.9664% | 3,044 |
| Return on Equity (ROE) | 6.0329% | 3,588 |
| Retained earnings to average equity (ytd only) | 0.4675% | 5,346 |
| Net charge-offs to loans | 0.2488% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 7.5903% | 2,108 |
| Efficiency ratio | 69.8815% | 4,198 |
| Assets per employee ($millions) | 4.6671% | 2,598 |
| Cash dividends to net income (ytd only)* | 92.2509% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3728% | 644 |
| Loan loss allowance to noncurrent loans | 111.5934% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 3,964 |
| Noncurrent loans to loans | 3.0224% | 2,527 |
| Net loans and leases to total assets | 49.8693% | 6,178 |
| Net loans and leases to deposits | 57.7890% | 6,276 |
| Net loans and leases to core deposits | 58.5049% | 6,520 |
| Total domestic deposits to total assets | 86.2955% | 3,202 |
| Equity capital to assets | 11.4264% | 2,325 |
| Core capital (leverage) ratio | 11.0290% | 2,138 |
| Tier 1 risk-based capital ratio | 19.2944% | 1,638 |
| Total risk-based capital ratio | 20.5653% | 1,605 |
| Memoranda: | ||
| Average total assets | $113,104,200 | 4,635 |
| Average earning assets | $107,505,000 | 4,523 |
| Average equity | $13,476,200 | 4,266 |
| Average total loans | $57,880,400 | 5,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 7,093 |
| Cost of funding earning assets | 1.1060% | 5,389 |
| Net interest margin | 3.0891% | 6,637 |
| Noninterest income to average assets | 0.1901% | 6,522 |
| Noninterest expense to average assets | 2.3503% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4682% | 4,451 |
| Return on assets (ROA) | 0.4682% | 4,645 |
| Pretax return on assets | 0.7735% | 3,995 |
| Return on Equity (ROE) | 3.8877% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,730 |
| Net charge-offs to loans | 0.4538% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 3.3385% | 3,486 |
| Efficiency ratio | 75.2377% | 3,096 |
| Assets per employee ($millions) | 4.5988% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3281% | 618 |
| Loan loss allowance to noncurrent loans | 118.3503% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 4,270 |
| Noncurrent loans to loans | 2.8121% | 2,838 |
| Net loans and leases to total assets | 50.0248% | 6,322 |
| Net loans and leases to deposits | 58.6807% | 6,410 |
| Net loans and leases to core deposits | 59.4271% | 6,645 |
| Total domestic deposits to total assets | 85.2491% | 3,492 |
| Equity capital to assets | 11.9597% | 2,180 |
| Core capital (leverage) ratio | 11.5888% | 1,885 |
| Tier 1 risk-based capital ratio | 20.4606% | 1,456 |
| Total risk-based capital ratio | 21.7327% | 1,432 |
| Memoranda: | ||
| Average total assets | $112,211,000 | 4,710 |
| Average earning assets | $106,565,500 | 4,603 |
| Average equity | $13,512,250 | 4,326 |
| Average total loans | $57,296,250 | 5,260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 7,153 |
| Cost of funding earning assets | 1.1285% | 5,531 |
| Net interest margin | 3.0883% | 6,634 |
| Noninterest income to average assets | 0.1797% | 6,622 |
| Noninterest expense to average assets | 2.3614% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3738% | 4,878 |
| Return on assets (ROA) | 0.3738% | 5,042 |
| Pretax return on assets | 0.7494% | 4,069 |
| Return on Equity (ROE) | 3.0969% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.0969% | 4,139 |
| Net charge-offs to loans | 0.5763% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.5583% | 3,721 |
| Efficiency ratio | 75.9099% | 3,093 |
| Assets per employee ($millions) | 4.5833% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4569% | 564 |
| Loan loss allowance to noncurrent loans | 67.8355% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.5885% | 2,806 |
| Noncurrent loans to loans | 5.0960% | 1,346 |
| Net loans and leases to total assets | 49.0400% | 6,539 |
| Net loans and leases to deposits | 57.1477% | 6,647 |
| Net loans and leases to core deposits | 57.8722% | 6,835 |
| Total domestic deposits to total assets | 85.8128% | 3,195 |
| Equity capital to assets | 11.8387% | 2,192 |
| Core capital (leverage) ratio | 11.3725% | 1,998 |
| Tier 1 risk-based capital ratio | 20.2996% | 1,466 |
| Total risk-based capital ratio | 21.5718% | 1,429 |
| Memoranda: | ||
| Average total assets | $111,291,670 | 4,766 |
| Average earning assets | $105,624,000 | 4,654 |
| Average equity | $13,433,000 | 4,342 |
| Average total loans | $56,564,000 | 5,330 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 7,203 |
| Cost of funding earning assets | 1.1410% | 5,693 |
| Net interest margin | 3.1109% | 6,562 |
| Noninterest income to average assets | 0.1970% | 6,549 |
| Noninterest expense to average assets | 2.3895% | 6,127 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3721% | 4,968 |
| Return on assets (ROA) | 0.3721% | 5,091 |
| Pretax return on assets | 0.7515% | 4,053 |
| Return on Equity (ROE) | 3.0523% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.0523% | 4,306 |
| Net charge-offs to loans | 0.7750% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.9074% | 3,589 |
| Efficiency ratio | 76.0743% | 3,200 |
| Assets per employee ($millions) | 4.6900% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9020% | 410 |
| Loan loss allowance to noncurrent loans | 104.8174% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 3,851 |
| Noncurrent loans to loans | 3.7227% | 2,136 |
| Net loans and leases to total assets | 45.2261% | 6,894 |
| Net loans and leases to deposits | 52.7157% | 6,997 |
| Net loans and leases to core deposits | 53.3925% | 7,139 |
| Total domestic deposits to total assets | 85.7923% | 3,266 |
| Equity capital to assets | 11.9129% | 2,095 |
| Core capital (leverage) ratio | 11.7586% | 1,771 |
| Tier 1 risk-based capital ratio | 21.4034% | 1,285 |
| Total risk-based capital ratio | 22.6792% | 1,255 |
| Memoranda: | ||
| Average total assets | $109,646,500 | 4,881 |
| Average earning assets | $103,765,000 | 4,759 |
| Average equity | $13,367,000 | 4,387 |
| Average total loans | $55,744,500 | 5,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 6,575 |
| Cost of funding earning assets | 1.3120% | 6,267 |
| Net interest margin | 3.6405% | 4,388 |
| Noninterest income to average assets | 0.2485% | 6,324 |
| Noninterest expense to average assets | 2.4140% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8947% | 2,195 |
| Return on assets (ROA) | 0.8947% | 2,267 |
| Pretax return on assets | 1.2925% | 1,716 |
| Return on Equity (ROE) | 7.0874% | 2,759 |
| Retained earnings to average equity (ytd only) | 1.4744% | 4,033 |
| Net charge-offs to loans | 0.1418% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 16.8889% | 1,227 |
| Efficiency ratio | 65.1287% | 5,564 |
| Assets per employee ($millions) | 4.4473% | 3,019 |
| Cash dividends to net income (ytd only)* | 79.1975% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7169% | 439 |
| Loan loss allowance to noncurrent loans | 173.3068% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 4,676 |
| Noncurrent loans to loans | 2.1447% | 3,464 |
| Net loans and leases to total assets | 52.7864% | 6,328 |
| Net loans and leases to deposits | 61.9037% | 6,479 |
| Net loans and leases to core deposits | 67.1046% | 6,925 |
| Total domestic deposits to total assets | 85.2718% | 3,423 |
| Equity capital to assets | 12.4843% | 1,759 |
| Core capital (leverage) ratio | 12.2780% | 1,543 |
| Tier 1 risk-based capital ratio | 20.7554% | 1,333 |
| Total risk-based capital ratio | 22.0324% | 1,298 |
| Memoranda: | ||
| Average total assets | $105,842,200 | 4,930 |
| Average earning assets | $100,535,600 | 4,832 |
| Average equity | $13,361,800 | 4,417 |
| Average total loans | $57,123,600 | 5,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 6,663 |
| Cost of funding earning assets | 1.3506% | 6,394 |
| Net interest margin | 3.6290% | 4,377 |
| Noninterest income to average assets | 0.2184% | 6,667 |
| Noninterest expense to average assets | 2.4881% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7890% | 2,864 |
| Return on assets (ROA) | 0.7890% | 2,925 |
| Pretax return on assets | 1.1866% | 2,309 |
| Return on Equity (ROE) | 6.2322% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.2322% | 1,837 |
| Net charge-offs to loans | 0.1996% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 11.0589% | 1,886 |
| Efficiency ratio | 67.7087% | 5,040 |
| Assets per employee ($millions) | 4.3018% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7117% | 357 |
| Loan loss allowance to noncurrent loans | 141.4332% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5226% | 4,080 |
| Noncurrent loans to loans | 2.6243% | 2,880 |
| Net loans and leases to total assets | 54.5509% | 6,318 |
| Net loans and leases to deposits | 64.9799% | 6,404 |
| Net loans and leases to core deposits | 71.0806% | 6,908 |
| Total domestic deposits to total assets | 83.9505% | 3,744 |
| Equity capital to assets | 13.3404% | 1,556 |
| Core capital (leverage) ratio | 12.6019% | 1,540 |
| Tier 1 risk-based capital ratio | 21.5544% | 1,279 |
| Total risk-based capital ratio | 22.8321% | 1,253 |
| Memoranda: | ||
| Average total assets | $105,619,250 | 4,966 |
| Average earning assets | $100,595,750 | 4,848 |
| Average equity | $13,371,000 | 4,439 |
| Average total loans | $56,775,500 | 5,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 7,054 |
| Cost of funding earning assets | 1.3692% | 6,587 |
| Net interest margin | 3.5206% | 4,700 |
| Noninterest income to average assets | 0.2049% | 6,826 |
| Noninterest expense to average assets | 2.4396% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7311% | 3,133 |
| Return on assets (ROA) | 0.7311% | 3,238 |
| Pretax return on assets | 1.1239% | 2,550 |
| Return on Equity (ROE) | 5.8775% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.8775% | 2,079 |
| Net charge-offs to loans | 0.3167% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.7191% | 2,559 |
| Efficiency ratio | 68.4599% | 5,079 |
| Assets per employee ($millions) | 4.3431% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7297% | 316 |
| Loan loss allowance to noncurrent loans | 217.7889% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 4,951 |
| Noncurrent loans to loans | 1.7125% | 3,941 |
| Net loans and leases to total assets | 51.5150% | 6,740 |
| Net loans and leases to deposits | 60.4633% | 6,853 |
| Net loans and leases to core deposits | 66.9812% | 7,171 |
| Total domestic deposits to total assets | 85.2005% | 3,163 |
| Equity capital to assets | 12.4077% | 1,969 |
| Core capital (leverage) ratio | 12.3365% | 1,677 |
| Tier 1 risk-based capital ratio | 21.0360% | 1,386 |
| Total risk-based capital ratio | 22.3162% | 1,353 |
| Memoranda: | ||
| Average total assets | $106,411,330 | 4,980 |
| Average earning assets | $101,516,330 | 4,856 |
| Average equity | $13,237,000 | 4,481 |
| Average total loans | $56,203,670 | 5,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 6,982 |
| Cost of funding earning assets | 1.4132% | 6,689 |
| Net interest margin | 3.5668% | 4,458 |
| Noninterest income to average assets | 0.2051% | 6,823 |
| Noninterest expense to average assets | 2.3280% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8849% | 2,763 |
| Return on assets (ROA) | 0.8849% | 2,912 |
| Pretax return on assets | 1.2798% | 2,348 |
| Return on Equity (ROE) | 7.1039% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.1039% | 2,172 |
| Net charge-offs to loans | 0.6877% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.5474% | 3,147 |
| Efficiency ratio | 64.5263% | 5,592 |
| Assets per employee ($millions) | 4.1825% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0920% | 203 |
| Loan loss allowance to noncurrent loans | 480.2222% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 5,954 |
| Noncurrent loans to loans | 0.8521% | 5,322 |
| Net loans and leases to total assets | 46.5764% | 7,148 |
| Net loans and leases to deposits | 54.4413% | 7,259 |
| Net loans and leases to core deposits | 59.9437% | 7,459 |
| Total domestic deposits to total assets | 85.5535% | 2,940 |
| Equity capital to assets | 12.1954% | 2,141 |
| Core capital (leverage) ratio | 12.4938% | 1,689 |
| Tier 1 risk-based capital ratio | 22.0872% | 1,293 |
| Total risk-based capital ratio | 23.3666% | 1,255 |
| Memoranda: | ||
| Average total assets | $105,328,000 | 5,027 |
| Average earning assets | $100,481,000 | 4,904 |
| Average equity | $13,119,500 | 4,554 |
| Average total loans | $55,255,000 | 5,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6777% | 6,842 |
| Cost of funding earning assets | 2.1369% | 5,895 |
| Net interest margin | 3.5408% | 5,144 |
| Noninterest income to average assets | 0.2523% | 6,646 |
| Noninterest expense to average assets | 2.4221% | 6,323 |
| Loan and lease loss provision to assets | 0.0551% | 6,722 |
| Net operating income to assets | 0.7375% | 3,729 |
| Return on assets (ROA) | 0.7375% | 3,564 |
| Pretax return on assets | 1.1463% | 2,848 |
| Return on Equity (ROE) | 5.8218% | 4,019 |
| Retained earnings to average equity (ytd only) | 0.4807% | 4,954 |
| Net charge-offs to loans | -0.1613% | 8,144 |
| Credit loss provision to net charge-offs | -64.7727% | 7,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8445% | 4,933 |
| Assets per employee ($millions) | 3.9196% | 3,681 |
| Cash dividends to net income (ytd only)* | 91.7431% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9099% | 202 |
| Loan loss allowance to noncurrent loans | 538.4248% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 5,656 |
| Noncurrent loans to loans | 0.7262% | 5,216 |
| Net loans and leases to total assets | 54.4039% | 6,612 |
| Net loans and leases to deposits | 64.2408% | 6,770 |
| Net loans and leases to core deposits | 70.2103% | 7,176 |
| Total domestic deposits to total assets | 84.6875% | 2,983 |
| Equity capital to assets | 12.7338% | 1,902 |
| Core capital (leverage) ratio | 12.4864% | 1,759 |
| Tier 1 risk-based capital ratio | 21.4927% | 1,392 |
| Total risk-based capital ratio | 22.7735% | 1,352 |
| Memoranda: | ||
| Average total assets | $103,464,000 | 4,952 |
| Average earning assets | $98,508,000 | 4,850 |
| Average equity | $13,105,800 | 4,539 |
| Average total loans | $54,559,600 | 5,508 |