Home > First National Bank of Clarksdale > Performance and Condition Ratios
First National Bank of Clarksdale, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 2,175 |
| Cost of funding earning assets | 1.6676% | 1,523 |
| Net interest margin | 3.2834% | 2,673 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.3147% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9215% | 2,483 |
| Return on assets (ROA) | 0.9215% | 2,452 |
| Pretax return on assets | 1.1925% | 2,160 |
| Return on Equity (ROE) | 10.4000% | 2,382 |
| Retained earnings to average equity (ytd only) | 1.5410% | 3,699 |
| Net charge-offs to loans | 0.0447% | 1,445 |
| Credit loss provision to net charge-offs | 13.7255% | 2,331 |
| Earnings coverage of net charge-offs (x) | 45.5784% | 1,348 |
| Efficiency ratio | 65.9314% | 2,365 |
| Assets per employee ($millions) | 8.0678% | 1,397 |
| Cash dividends to net income (ytd only)* | 85.1759% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,230 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,597 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.6200% | 2,796 |
| Net loans and leases to deposits | 69.3240% | 2,929 |
| Net loans and leases to core deposits | 76.6557% | 2,932 |
| Total domestic deposits to total assets | 87.4500% | 1,537 |
| Equity capital to assets | 9.2332% | 2,520 |
| Core capital (leverage) ratio | 12.5030% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $388,694,200 | 2,050 |
| Average earning assets | $349,302,800 | 2,095 |
| Average equity | $34,457,800 | 2,077 |
| Average total loans | $228,385,200 | 2,111 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,262 |
| Cost of funding earning assets | 1.5012% | 1,601 |
| Net interest margin | 3.2998% | 2,686 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.2128% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9250% | 2,602 |
| Return on assets (ROA) | 0.9250% | 2,586 |
| Pretax return on assets | 1.1357% | 2,468 |
| Return on Equity (ROE) | 10.5400% | 2,494 |
| Retained earnings to average equity (ytd only) | 10.5427% | 1,256 |
| Net charge-offs to loans | 0.0519% | 1,158 |
| Credit loss provision to net charge-offs | 2.2727% | 2,096 |
| Earnings coverage of net charge-offs (x) | 37.6818% | 1,484 |
| Efficiency ratio | 66.0698% | 2,269 |
| Assets per employee ($millions) | 7.6335% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,416 |
| Loan loss allowance to noncurrent loans | 124.9458% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 944 |
| Noncurrent loans to loans | 0.9516% | 866 |
| Net loans and leases to total assets | 61.4800% | 2,705 |
| Net loans and leases to deposits | 73.1904% | 2,634 |
| Net loans and leases to core deposits | 80.0660% | 2,596 |
| Total domestic deposits to total assets | 84.0000% | 2,773 |
| Equity capital to assets | 8.5105% | 2,727 |
| Core capital (leverage) ratio | 12.8502% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $389,053,750 | 2,047 |
| Average earning assets | $349,301,000 | 2,102 |
| Average equity | $34,133,250 | 2,076 |
| Average total loans | $226,069,000 | 2,123 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 2,496 |
| Cost of funding earning assets | 1.3247% | 1,645 |
| Net interest margin | 3.2390% | 2,886 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.2449% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8936% | 2,777 |
| Return on assets (ROA) | 0.8936% | 2,761 |
| Pretax return on assets | 1.0993% | 2,649 |
| Return on Equity (ROE) | 10.0900% | 2,673 |
| Retained earnings to average equity (ytd only) | 10.0850% | 1,380 |
| Net charge-offs to loans | 0.0779% | 801 |
| Credit loss provision to net charge-offs | 2.3256% | 1,813 |
| Earnings coverage of net charge-offs (x) | 24.8837% | 1,641 |
| Efficiency ratio | 67.1073% | 2,097 |
| Assets per employee ($millions) | 7.9604% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,048 |
| Loan loss allowance to noncurrent loans | 120.7879% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 816 |
| Noncurrent loans to loans | 1.0540% | 695 |
| Net loans and leases to total assets | 58.4900% | 2,920 |
| Net loans and leases to deposits | 67.1564% | 2,979 |
| Net loans and leases to core deposits | 72.6825% | 2,974 |
| Total domestic deposits to total assets | 87.1000% | 1,900 |
| Equity capital to assets | 9.1746% | 2,391 |
| Core capital (leverage) ratio | 12.7515% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $388,969,333 | 2,046 |
| Average earning assets | $349,372,333 | 2,100 |
| Average equity | $34,467,000 | 2,077 |
| Average total loans | $220,687,333 | 2,149 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,716 |
| Cost of funding earning assets | 1.1204% | 1,694 |
| Net interest margin | 3.2149% | 3,080 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.3037% | 2,803 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8868% | 2,896 |
| Return on assets (ROA) | 0.8868% | 2,849 |
| Pretax return on assets | 1.1264% | 2,640 |
| Return on Equity (ROE) | 10.1800% | 2,732 |
| Retained earnings to average equity (ytd only) | 10.1836% | 1,654 |
| Net charge-offs to loans | 0.2075% | 354 |
| Credit loss provision to net charge-offs | 4.4248% | 1,415 |
| Earnings coverage of net charge-offs (x) | 9.8230% | 1,676 |
| Efficiency ratio | 67.0623% | 2,082 |
| Assets per employee ($millions) | 7.9684% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,670 |
| Loan loss allowance to noncurrent loans | 109.4145% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 707 |
| Noncurrent loans to loans | 1.2682% | 539 |
| Net loans and leases to total assets | 52.0400% | 3,343 |
| Net loans and leases to deposits | 57.7090% | 3,467 |
| Net loans and leases to core deposits | 61.7407% | 3,458 |
| Total domestic deposits to total assets | 90.1700% | 1,098 |
| Equity capital to assets | 9.0851% | 2,448 |
| Core capital (leverage) ratio | 11.8528% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $392,405,000 | 2,066 |
| Average earning assets | $352,359,000 | 2,107 |
| Average equity | $34,172,500 | 2,111 |
| Average total loans | $217,840,000 | 2,184 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 2,842 |
| Cost of funding earning assets | 0.3901% | 2,176 |
| Net interest margin | 3.1950% | 2,876 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.2386% | 2,924 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9982% | 2,571 |
| Return on assets (ROA) | 1.0013% | 2,508 |
| Pretax return on assets | 1.1728% | 2,525 |
| Return on Equity (ROE) | 10.6900% | 2,580 |
| Retained earnings to average equity (ytd only) | 0.7621% | 4,237 |
| Net charge-offs to loans | 0.0249% | 1,561 |
| Credit loss provision to net charge-offs | 70.9091% | 1,726 |
| Earnings coverage of net charge-offs (x) | 87.3455% | 1,039 |
| Efficiency ratio | 65.5083% | 2,292 |
| Assets per employee ($millions) | 8.0391% | 1,298 |
| Cash dividends to net income (ytd only)* | 92.8694% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 1,942 |
| Loan loss allowance to noncurrent loans | 5,932.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,354 |
| Noncurrent loans to loans | 0.0218% | 3,647 |
| Net loans and leases to total assets | 57.5400% | 2,869 |
| Net loans and leases to deposits | 63.1197% | 3,105 |
| Net loans and leases to core deposits | 66.1482% | 3,126 |
| Total domestic deposits to total assets | 91.1700% | 888 |
| Equity capital to assets | 8.3449% | 2,819 |
| Core capital (leverage) ratio | 11.8863% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $407,572,600 | 2,001 |
| Average earning assets | $367,320,200 | 2,041 |
| Average equity | $38,183,600 | 1,987 |
| Average total loans | $220,720,200 | 2,106 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 2,820 |
| Cost of funding earning assets | 0.2839% | 2,348 |
| Net interest margin | 3.1501% | 2,777 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.2125% | 2,899 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0110% | 2,443 |
| Return on assets (ROA) | 1.0148% | 2,398 |
| Pretax return on assets | 1.2337% | 2,246 |
| Return on Equity (ROE) | 10.5600% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.5553% | 1,179 |
| Net charge-offs to loans | 0.0287% | 1,260 |
| Credit loss provision to net charge-offs | 63.8298% | 1,477 |
| Earnings coverage of net charge-offs (x) | 81.2553% | 1,040 |
| Efficiency ratio | 64.1038% | 2,539 |
| Assets per employee ($millions) | 8.8572% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,338 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,604 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.1000% | 2,687 |
| Net loans and leases to deposits | 65.7007% | 2,747 |
| Net loans and leases to core deposits | 68.6117% | 2,751 |
| Total domestic deposits to total assets | 88.4300% | 2,299 |
| Equity capital to assets | 8.2725% | 2,705 |
| Core capital (leverage) ratio | 12.3599% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $410,986,250 | 2,000 |
| Average earning assets | $371,455,250 | 2,035 |
| Average equity | $39,511,500 | 1,959 |
| Average total loans | $218,488,750 | 2,119 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2256% | 2,968 |
| Cost of funding earning assets | 0.2074% | 2,818 |
| Net interest margin | 3.0182% | 2,830 |
| Noninterest income to average assets | 0.7031% | 1,327 |
| Noninterest expense to average assets | 2.1549% | 2,981 |
| Loan and lease loss provision to assets | 0.0073% | 2,471 |
| Net operating income to assets | 1.0458% | 1,993 |
| Return on assets (ROA) | 1.0505% | 1,944 |
| Pretax return on assets | 1.2932% | 1,774 |
| Return on Equity (ROE) | 10.4471% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.4471% | 916 |
| Net charge-offs to loans | 0.0161% | 1,433 |
| Credit loss provision to net charge-offs | 88.2353% | 1,351 |
| Earnings coverage of net charge-offs (x) | 156.9412% | 624 |
| Efficiency ratio | 62.4701% | 2,982 |
| Assets per employee ($millions) | 8.3930% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 1,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,664 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.9382% | 3,161 |
| Net loans and leases to deposits | 57.4577% | 3,274 |
| Net loans and leases to core deposits | 60.0869% | 3,268 |
| Total domestic deposits to total assets | 90.3939% | 1,516 |
| Equity capital to assets | 8.9122% | 2,438 |
| Core capital (leverage) ratio | 11.7318% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,171,000 | 1,999 |
| Average earning assets | $375,057,000 | 2,048 |
| Average equity | $41,447,000 | 1,941 |
| Average total loans | $211,428,333 | 2,160 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0696% | 3,055 |
| Cost of funding earning assets | 0.1744% | 3,166 |
| Net interest margin | 2.8952% | 2,857 |
| Noninterest income to average assets | 0.8880% | 854 |
| Noninterest expense to average assets | 2.1113% | 3,106 |
| Loan and lease loss provision to assets | 0.0145% | 2,093 |
| Net operating income to assets | 1.1700% | 1,326 |
| Return on assets (ROA) | 1.1798% | 1,298 |
| Pretax return on assets | 1.4124% | 1,220 |
| Return on Equity (ROE) | 11.1029% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.1029% | 770 |
| Net charge-offs to loans | 0.0326% | 980 |
| Credit loss provision to net charge-offs | 88.2353% | 1,087 |
| Earnings coverage of net charge-offs (x) | 85.8824% | 720 |
| Efficiency ratio | 59.8681% | 3,493 |
| Assets per employee ($millions) | 8.7384% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,615 |
| Loan loss allowance to noncurrent loans | 2,759.2593% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,426 |
| Noncurrent loans to loans | 0.0537% | 3,598 |
| Net loans and leases to total assets | 47.2345% | 3,464 |
| Net loans and leases to deposits | 52.7533% | 3,513 |
| Net loans and leases to core deposits | 55.0013% | 3,526 |
| Total domestic deposits to total assets | 89.5385% | 1,795 |
| Equity capital to assets | 9.7987% | 2,048 |
| Core capital (leverage) ratio | 11.1946% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,627,500 | 2,007 |
| Average earning assets | $376,072,000 | 2,046 |
| Average equity | $43,844,500 | 1,921 |
| Average total loans | $208,852,500 | 2,175 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 2,957 |
| Cost of funding earning assets | 0.2469% | 2,966 |
| Net interest margin | 3.1418% | 2,761 |
| Noninterest income to average assets | 0.4185% | 2,956 |
| Noninterest expense to average assets | 2.1822% | 3,138 |
| Loan and lease loss provision to assets | 0.0045% | 2,985 |
| Net operating income to assets | 0.9293% | 2,943 |
| Return on assets (ROA) | 0.9313% | 3,000 |
| Pretax return on assets | 1.0952% | 2,984 |
| Return on Equity (ROE) | 7.7624% | 3,296 |
| Retained earnings to average equity (ytd only) | 1.4359% | 4,142 |
| Net charge-offs to loans | 0.0152% | 2,008 |
| Credit loss provision to net charge-offs | 58.0645% | 2,080 |
| Earnings coverage of net charge-offs (x) | 140.7742% | 700 |
| Efficiency ratio | 66.5363% | 2,186 |
| Assets per employee ($millions) | 8.8220% | 979 |
| Cash dividends to net income (ytd only)* | 81.5015% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 2,016 |
| Loan loss allowance to noncurrent loans | 2,735.7798% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,508 |
| Noncurrent loans to loans | 0.0503% | 3,718 |
| Net loans and leases to total assets | 52.6404% | 2,991 |
| Net loans and leases to deposits | 59.8199% | 3,092 |
| Net loans and leases to core deposits | 62.4188% | 3,125 |
| Total domestic deposits to total assets | 87.9981% | 2,050 |
| Equity capital to assets | 11.4804% | 1,520 |
| Core capital (leverage) ratio | 11.8952% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,632,600 | 2,000 |
| Average earning assets | $362,120,000 | 2,032 |
| Average equity | $47,704,600 | 1,831 |
| Average total loans | $204,220,200 | 2,213 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 3,121 |
| Cost of funding earning assets | 0.2649% | 2,957 |
| Net interest margin | 3.1284% | 2,970 |
| Noninterest income to average assets | 0.4371% | 2,899 |
| Noninterest expense to average assets | 2.2777% | 2,815 |
| Loan and lease loss provision to assets | 0.0040% | 2,892 |
| Net operating income to assets | 0.8852% | 3,289 |
| Return on assets (ROA) | 0.8861% | 3,362 |
| Pretax return on assets | 1.0024% | 3,448 |
| Return on Equity (ROE) | 7.3051% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.3051% | 2,306 |
| Net charge-offs to loans | 0.0033% | 2,226 |
| Credit loss provision to net charge-offs | 240.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 596.6000% | 254 |
| Efficiency ratio | 69.3769% | 1,670 |
| Assets per employee ($millions) | 8.2794% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,281 |
| Loan loss allowance to noncurrent loans | 2,257.1429% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,607 |
| Noncurrent loans to loans | 0.0593% | 3,805 |
| Net loans and leases to total assets | 56.8431% | 2,633 |
| Net loans and leases to deposits | 67.4072% | 2,495 |
| Net loans and leases to core deposits | 70.7257% | 2,534 |
| Total domestic deposits to total assets | 84.3279% | 3,358 |
| Equity capital to assets | 12.6158% | 1,128 |
| Core capital (leverage) ratio | 12.7403% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,587,750 | 2,023 |
| Average earning assets | $359,872,250 | 2,060 |
| Average equity | $47,983,500 | 1,842 |
| Average total loans | $201,124,500 | 2,263 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 3,314 |
| Cost of funding earning assets | 0.2858% | 2,912 |
| Net interest margin | 3.0636% | 3,135 |
| Noninterest income to average assets | 0.5114% | 2,578 |
| Noninterest expense to average assets | 2.2236% | 3,002 |
| Loan and lease loss provision to assets | 0.0010% | 2,849 |
| Net operating income to assets | 0.9158% | 3,175 |
| Return on assets (ROA) | 0.9167% | 3,250 |
| Pretax return on assets | 1.0695% | 3,299 |
| Return on Equity (ROE) | 7.6574% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.6574% | 2,208 |
| Net charge-offs to loans | 0.0196% | 1,546 |
| Credit loss provision to net charge-offs | 10.5263% | 1,774 |
| Earnings coverage of net charge-offs (x) | 111.9474% | 702 |
| Efficiency ratio | 67.5218% | 1,937 |
| Assets per employee ($millions) | 7.8773% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,514 |
| Loan loss allowance to noncurrent loans | 130.9587% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 1,316 |
| Noncurrent loans to loans | 1.1629% | 1,043 |
| Net loans and leases to total assets | 49.8885% | 3,566 |
| Net loans and leases to deposits | 57.5266% | 3,590 |
| Net loans and leases to core deposits | 60.3006% | 3,601 |
| Total domestic deposits to total assets | 86.7224% | 2,461 |
| Equity capital to assets | 12.5447% | 1,114 |
| Core capital (leverage) ratio | 11.8961% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,740,000 | 2,010 |
| Average earning assets | $361,146,333 | 2,051 |
| Average equity | $47,614,000 | 1,844 |
| Average total loans | $193,434,000 | 2,323 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0100% | 4,062 |
| Cost of funding earning assets | 0.3064% | 2,922 |
| Net interest margin | 2.7036% | 3,957 |
| Noninterest income to average assets | 0.5589% | 2,377 |
| Noninterest expense to average assets | 2.2259% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7126% | 3,679 |
| Return on assets (ROA) | 0.7136% | 3,742 |
| Pretax return on assets | 0.7829% | 3,842 |
| Return on Equity (ROE) | 6.1003% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.1003% | 2,857 |
| Net charge-offs to loans | 0.0769% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 21.3243% | 1,226 |
| Efficiency ratio | 74.0033% | 1,314 |
| Assets per employee ($millions) | 8.4558% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 1,252 |
| Loan loss allowance to noncurrent loans | 136.4391% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 1,682 |
| Noncurrent loans to loans | 1.1817% | 1,125 |
| Net loans and leases to total assets | 43.5665% | 4,143 |
| Net loans and leases to deposits | 49.4528% | 4,193 |
| Net loans and leases to core deposits | 51.9059% | 4,202 |
| Total domestic deposits to total assets | 88.0973% | 1,794 |
| Equity capital to assets | 11.2491% | 1,686 |
| Core capital (leverage) ratio | 11.4379% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,615,500 | 1,983 |
| Average earning assets | $365,581,500 | 2,022 |
| Average equity | $47,210,500 | 1,852 |
| Average total loans | $192,380,000 | 2,336 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 2,528 |
| Cost of funding earning assets | 0.5238% | 2,789 |
| Net interest margin | 3.5418% | 2,336 |
| Noninterest income to average assets | 0.4014% | 3,081 |
| Noninterest expense to average assets | 2.3651% | 3,227 |
| Loan and lease loss provision to assets | 0.0022% | 4,304 |
| Net operating income to assets | 1.0278% | 2,184 |
| Return on assets (ROA) | 1.1300% | 1,925 |
| Pretax return on assets | 1.3682% | 1,759 |
| Return on Equity (ROE) | 8.6541% | 2,534 |
| Retained earnings to average equity (ytd only) | 1.5361% | 4,019 |
| Net charge-offs to loans | 0.0093% | 2,989 |
| Credit loss provision to net charge-offs | 42.1053% | 3,177 |
| Earnings coverage of net charge-offs (x) | 242.2105% | 412 |
| Efficiency ratio | 65.4712% | 2,610 |
| Assets per employee ($millions) | 7.8579% | 1,086 |
| Cash dividends to net income (ytd only)* | 82.2499% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,629 |
| Loan loss allowance to noncurrent loans | 1,097.0696% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 3,320 |
| Noncurrent loans to loans | 0.1356% | 3,742 |
| Net loans and leases to total assets | 50.4702% | 3,791 |
| Net loans and leases to deposits | 57.8244% | 3,899 |
| Net loans and leases to core deposits | 61.0220% | 3,888 |
| Total domestic deposits to total assets | 87.2819% | 1,804 |
| Equity capital to assets | 12.1691% | 1,489 |
| Core capital (leverage) ratio | 12.0930% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,944,400 | 1,962 |
| Average earning assets | $334,487,000 | 2,005 |
| Average equity | $48,173,800 | 1,750 |
| Average total loans | $204,338,400 | 2,201 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,190 |
| Cost of funding earning assets | 0.5797% | 2,743 |
| Net interest margin | 3.6883% | 1,980 |
| Noninterest income to average assets | 0.4404% | 2,886 |
| Noninterest expense to average assets | 2.3481% | 3,291 |
| Loan and lease loss provision to assets | 0.0758% | 3,375 |
| Net operating income to assets | 1.0750% | 2,066 |
| Return on assets (ROA) | 1.1505% | 1,933 |
| Pretax return on assets | 1.4462% | 1,586 |
| Return on Equity (ROE) | 8.6522% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.6522% | 1,095 |
| Net charge-offs to loans | 0.0085% | 2,807 |
| Credit loss provision to net charge-offs | 1,584.6154% | 592 |
| Earnings coverage of net charge-offs (x) | 298.9231% | 361 |
| Efficiency ratio | 62.1911% | 3,042 |
| Assets per employee ($millions) | 7.2469% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,486 |
| Loan loss allowance to noncurrent loans | 520.1626% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,325 |
| Noncurrent loans to loans | 0.2817% | 3,276 |
| Net loans and leases to total assets | 59.3672% | 3,288 |
| Net loans and leases to deposits | 69.6883% | 3,336 |
| Net loans and leases to core deposits | 75.6439% | 3,200 |
| Total domestic deposits to total assets | 85.1897% | 2,364 |
| Equity capital to assets | 13.9120% | 884 |
| Core capital (leverage) ratio | 13.2771% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,956,250 | 1,967 |
| Average earning assets | $328,203,500 | 2,017 |
| Average equity | $48,264,250 | 1,743 |
| Average total loans | $205,100,250 | 2,196 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,113 |
| Cost of funding earning assets | 0.6441% | 2,730 |
| Net interest margin | 3.7907% | 1,863 |
| Noninterest income to average assets | 0.5144% | 2,510 |
| Noninterest expense to average assets | 2.3736% | 3,331 |
| Loan and lease loss provision to assets | 0.1134% | 2,882 |
| Net operating income to assets | 1.0821% | 2,029 |
| Return on assets (ROA) | 1.1940% | 1,782 |
| Pretax return on assets | 1.5850% | 1,262 |
| Return on Equity (ROE) | 9.1190% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.1190% | 975 |
| Net charge-offs to loans | 0.0070% | 2,710 |
| Credit loss provision to net charge-offs | 2,942.8571% | 368 |
| Earnings coverage of net charge-offs (x) | 403.8571% | 251 |
| Efficiency ratio | 60.3895% | 3,365 |
| Assets per employee ($millions) | 7.4890% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,149 |
| Loan loss allowance to noncurrent loans | 449.5091% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,350 |
| Noncurrent loans to loans | 0.3427% | 3,168 |
| Net loans and leases to total assets | 54.7074% | 3,817 |
| Net loans and leases to deposits | 63.5720% | 3,914 |
| Net loans and leases to core deposits | 68.8965% | 3,796 |
| Total domestic deposits to total assets | 86.0558% | 1,985 |
| Equity capital to assets | 13.1505% | 1,098 |
| Core capital (leverage) ratio | 12.8692% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,160,667 | 1,953 |
| Average earning assets | $327,272,333 | 1,988 |
| Average equity | $47,549,333 | 1,751 |
| Average total loans | $200,696,333 | 2,214 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 3,308 |
| Cost of funding earning assets | 0.7660% | 2,574 |
| Net interest margin | 3.4084% | 3,273 |
| Noninterest income to average assets | 0.8022% | 1,305 |
| Noninterest expense to average assets | 2.3238% | 3,718 |
| Loan and lease loss provision to assets | 0.0067% | 3,669 |
| Net operating income to assets | 1.0595% | 1,972 |
| Return on assets (ROA) | 1.0718% | 2,033 |
| Pretax return on assets | 1.5641% | 1,144 |
| Return on Equity (ROE) | 8.2050% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.2050% | 1,168 |
| Net charge-offs to loans | 0.0122% | 2,147 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 231.6667% | 302 |
| Efficiency ratio | 59.9077% | 3,750 |
| Assets per employee ($millions) | 7.2469% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,149 |
| Loan loss allowance to noncurrent loans | 482.5040% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,379 |
| Noncurrent loans to loans | 0.3252% | 3,328 |
| Net loans and leases to total assets | 51.0149% | 4,178 |
| Net loans and leases to deposits | 58.9621% | 4,251 |
| Net loans and leases to core deposits | 63.6988% | 4,186 |
| Total domestic deposits to total assets | 86.5216% | 1,768 |
| Equity capital to assets | 12.9059% | 1,483 |
| Core capital (leverage) ratio | 12.6325% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,516,000 | 1,930 |
| Average earning assets | $322,734,500 | 1,964 |
| Average equity | $46,703,000 | 1,766 |
| Average total loans | $197,016,000 | 2,209 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 3,022 |
| Cost of funding earning assets | 0.8882% | 2,240 |
| Net interest margin | 3.5889% | 3,167 |
| Noninterest income to average assets | 0.5196% | 2,629 |
| Noninterest expense to average assets | 3.3159% | 1,262 |
| Loan and lease loss provision to assets | 0.0141% | 3,732 |
| Net operating income to assets | 0.3781% | 4,636 |
| Return on assets (ROA) | 0.3828% | 4,656 |
| Pretax return on assets | 0.4088% | 4,698 |
| Return on Equity (ROE) | 2.9040% | 4,676 |
| Retained earnings to average equity (ytd only) | -2.4396% | 4,889 |
| Net charge-offs to loans | 0.3038% | 686 |
| Credit loss provision to net charge-offs | 7.8101% | 3,367 |
| Earnings coverage of net charge-offs (x) | 2.3109% | 3,431 |
| Efficiency ratio | 88.8065% | 402 |
| Assets per employee ($millions) | 6.9088% | 1,079 |
| Cash dividends to net income (ytd only)* | 184.0087% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,274 |
| Loan loss allowance to noncurrent loans | 452.0301% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,237 |
| Noncurrent loans to loans | 0.3284% | 3,260 |
| Net loans and leases to total assets | 57.7446% | 3,786 |
| Net loans and leases to deposits | 67.0386% | 3,895 |
| Net loans and leases to core deposits | 72.6200% | 3,820 |
| Total domestic deposits to total assets | 86.1363% | 2,015 |
| Equity capital to assets | 13.2315% | 1,401 |
| Core capital (leverage) ratio | 12.8947% | 1,288 |
| Tier 1 risk-based capital ratio | 17.8109% | 1,810 |
| Total risk-based capital ratio | 19.0028% | 1,778 |
| Memoranda: | ||
| Average total assets | $361,053,600 | 1,871 |
| Average earning assets | $323,355,200 | 1,907 |
| Average equity | $47,589,600 | 1,669 |
| Average total loans | $214,956,800 | 2,057 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 3,167 |
| Cost of funding earning assets | 0.8991% | 2,241 |
| Net interest margin | 3.5655% | 3,350 |
| Noninterest income to average assets | 0.5630% | 2,396 |
| Noninterest expense to average assets | 2.3231% | 3,888 |
| Loan and lease loss provision to assets | 0.0172% | 3,571 |
| Net operating income to assets | 1.3102% | 1,811 |
| Return on assets (ROA) | 1.3163% | 1,868 |
| Pretax return on assets | 1.4222% | 2,216 |
| Return on Equity (ROE) | 9.9955% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.9955% | 749 |
| Net charge-offs to loans | 0.0673% | 1,864 |
| Credit loss provision to net charge-offs | 42.7273% | 2,839 |
| Earnings coverage of net charge-offs (x) | 35.6553% | 1,463 |
| Efficiency ratio | 61.8520% | 3,346 |
| Assets per employee ($millions) | 6.9236% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 974 |
| Loan loss allowance to noncurrent loans | 61.5024% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.7040% | 601 |
| Noncurrent loans to loans | 2.6225% | 423 |
| Net loans and leases to total assets | 61.2400% | 3,571 |
| Net loans and leases to deposits | 73.0150% | 3,551 |
| Net loans and leases to core deposits | 79.2920% | 3,440 |
| Total domestic deposits to total assets | 83.8731% | 2,869 |
| Equity capital to assets | 14.3875% | 1,008 |
| Core capital (leverage) ratio | 14.3205% | 899 |
| Tier 1 risk-based capital ratio | 13.5616% | 3,533 |
| Total risk-based capital ratio | 14.5292% | 3,603 |
| Memoranda: | ||
| Average total assets | $364,956,500 | 1,881 |
| Average earning assets | $326,827,750 | 1,907 |
| Average equity | $48,060,250 | 1,656 |
| Average total loans | $218,076,000 | 2,056 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 3,306 |
| Cost of funding earning assets | 0.8979% | 2,155 |
| Net interest margin | 3.5115% | 3,564 |
| Noninterest income to average assets | 0.6625% | 1,865 |
| Noninterest expense to average assets | 2.3637% | 3,836 |
| Loan and lease loss provision to assets | 0.0201% | 3,391 |
| Net operating income to assets | 1.2603% | 1,921 |
| Return on assets (ROA) | 1.2675% | 1,952 |
| Pretax return on assets | 1.4248% | 2,129 |
| Return on Equity (ROE) | 9.9181% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.9181% | 785 |
| Net charge-offs to loans | 0.0956% | 1,406 |
| Credit loss provision to net charge-offs | 35.5769% | 2,565 |
| Earnings coverage of net charge-offs (x) | 25.4808% | 1,594 |
| Efficiency ratio | 62.1969% | 3,403 |
| Assets per employee ($millions) | 7.4347% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 942 |
| Loan loss allowance to noncurrent loans | 224.2559% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 2,116 |
| Noncurrent loans to loans | 0.7317% | 2,159 |
| Net loans and leases to total assets | 57.0965% | 4,002 |
| Net loans and leases to deposits | 66.4133% | 4,069 |
| Net loans and leases to core deposits | 71.6796% | 4,027 |
| Total domestic deposits to total assets | 85.9714% | 2,047 |
| Equity capital to assets | 13.2530% | 1,468 |
| Core capital (leverage) ratio | 13.7555% | 1,037 |
| Tier 1 risk-based capital ratio | 17.5531% | 1,924 |
| Total risk-based capital ratio | 18.8034% | 1,884 |
| Memoranda: | ||
| Average total assets | $368,906,670 | 1,874 |
| Average earning assets | $329,664,330 | 1,909 |
| Average equity | $47,146,000 | 1,677 |
| Average total loans | $217,505,670 | 2,062 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 3,306 |
| Cost of funding earning assets | 0.8598% | 2,210 |
| Net interest margin | 3.5183% | 3,547 |
| Noninterest income to average assets | 0.6748% | 1,705 |
| Noninterest expense to average assets | 2.3075% | 4,003 |
| Loan and lease loss provision to assets | 0.0196% | 3,189 |
| Net operating income to assets | 1.3834% | 1,425 |
| Return on assets (ROA) | 1.3932% | 1,429 |
| Pretax return on assets | 1.5565% | 1,589 |
| Return on Equity (ROE) | 11.1097% | 1,908 |
| Retained earnings to average equity (ytd only) | 11.1097% | 781 |
| Net charge-offs to loans | 0.1575% | 853 |
| Credit loss provision to net charge-offs | 20.9302% | 2,129 |
| Earnings coverage of net charge-offs (x) | 16.7209% | 1,686 |
| Efficiency ratio | 59.5840% | 3,869 |
| Assets per employee ($millions) | 7.5935% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 890 |
| Loan loss allowance to noncurrent loans | 16,090.9091% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 3,738 |
| Noncurrent loans to loans | 0.0105% | 4,741 |
| Net loans and leases to total assets | 55.5751% | 4,094 |
| Net loans and leases to deposits | 64.1914% | 4,170 |
| Net loans and leases to core deposits | 69.3202% | 4,121 |
| Total domestic deposits to total assets | 86.5772% | 2,017 |
| Equity capital to assets | 12.7034% | 1,624 |
| Core capital (leverage) ratio | 12.6738% | 1,420 |
| Tier 1 risk-based capital ratio | 17.3090% | 2,012 |
| Total risk-based capital ratio | 18.5596% | 1,953 |
| Memoranda: | ||
| Average total assets | $367,493,000 | 1,887 |
| Average earning assets | $334,025,500 | 1,907 |
| Average equity | $46,086,000 | 1,699 |
| Average total loans | $218,364,500 | 2,073 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 3,086 |
| Cost of funding earning assets | 0.7054% | 2,060 |
| Net interest margin | 3.6013% | 3,378 |
| Noninterest income to average assets | 0.4318% | 3,227 |
| Noninterest expense to average assets | 2.3540% | 3,985 |
| Loan and lease loss provision to assets | 0.0126% | 3,889 |
| Net operating income to assets | 1.1137% | 2,537 |
| Return on assets (ROA) | 1.1177% | 2,525 |
| Pretax return on assets | 1.3327% | 2,390 |
| Return on Equity (ROE) | 9.4616% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.4843% | 2,490 |
| Net charge-offs to loans | 0.0623% | 2,234 |
| Credit loss provision to net charge-offs | 32.8671% | 3,335 |
| Earnings coverage of net charge-offs (x) | 35.0140% | 1,450 |
| Efficiency ratio | 63.7174% | 3,220 |
| Assets per employee ($millions) | 7.2581% | 879 |
| Cash dividends to net income (ytd only)* | 42.0359% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,045 |
| Loan loss allowance to noncurrent loans | 13,362.9630% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,679 |
| Noncurrent loans to loans | 0.0119% | 4,748 |
| Net loans and leases to total assets | 61.3925% | 3,621 |
| Net loans and leases to deposits | 70.4799% | 3,796 |
| Net loans and leases to core deposits | 76.1217% | 3,709 |
| Total domestic deposits to total assets | 87.1065% | 1,733 |
| Equity capital to assets | 12.3738% | 1,652 |
| Core capital (leverage) ratio | 12.6933% | 1,380 |
| Tier 1 risk-based capital ratio | 16.8593% | 2,114 |
| Total risk-based capital ratio | 18.1102% | 2,065 |
| Memoranda: | ||
| Average total assets | $373,534,600 | 1,815 |
| Average earning assets | $338,404,400 | 1,853 |
| Average equity | $44,125,600 | 1,691 |
| Average total loans | $229,452,000 | 1,948 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 3,227 |
| Cost of funding earning assets | 0.6803% | 1,972 |
| Net interest margin | 3.5446% | 3,538 |
| Noninterest income to average assets | 0.4646% | 3,069 |
| Noninterest expense to average assets | 2.3066% | 4,081 |
| Loan and lease loss provision to assets | 0.0167% | 3,682 |
| Net operating income to assets | 1.1659% | 2,386 |
| Return on assets (ROA) | 1.1714% | 2,368 |
| Pretax return on assets | 1.3574% | 2,393 |
| Return on Equity (ROE) | 10.0307% | 2,609 |
| Retained earnings to average equity (ytd only) | 10.0307% | 915 |
| Net charge-offs to loans | 0.1969% | 855 |
| Credit loss provision to net charge-offs | 13.8235% | 3,045 |
| Earnings coverage of net charge-offs (x) | 11.3500% | 2,520 |
| Efficiency ratio | 62.7761% | 3,377 |
| Assets per employee ($millions) | 7.1312% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,452 |
| Loan loss allowance to noncurrent loans | 10,032.3529% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 3,735 |
| Noncurrent loans to loans | 0.0147% | 4,850 |
| Net loans and leases to total assets | 62.8726% | 3,558 |
| Net loans and leases to deposits | 72.5628% | 3,725 |
| Net loans and leases to core deposits | 76.9698% | 3,742 |
| Total domestic deposits to total assets | 86.6458% | 1,898 |
| Equity capital to assets | 12.3489% | 1,675 |
| Core capital (leverage) ratio | 12.6991% | 1,418 |
| Tier 1 risk-based capital ratio | 16.6535% | 2,220 |
| Total risk-based capital ratio | 17.8630% | 2,183 |
| Memoranda: | ||
| Average total assets | $376,192,250 | 1,815 |
| Average earning assets | $340,644,750 | 1,858 |
| Average equity | $43,930,750 | 1,701 |
| Average total loans | $230,214,000 | 1,952 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 3,391 |
| Cost of funding earning assets | 0.6492% | 1,926 |
| Net interest margin | 3.4673% | 3,741 |
| Noninterest income to average assets | 0.5290% | 2,697 |
| Noninterest expense to average assets | 2.2705% | 4,209 |
| Loan and lease loss provision to assets | 0.0247% | 3,423 |
| Net operating income to assets | 1.1999% | 2,199 |
| Return on assets (ROA) | 1.1999% | 2,199 |
| Pretax return on assets | 1.3734% | 2,249 |
| Return on Equity (ROE) | 10.4670% | 2,349 |
| Retained earnings to average equity (ytd only) | 10.4670% | 799 |
| Net charge-offs to loans | 0.1211% | 1,205 |
| Credit loss provision to net charge-offs | 33.8129% | 2,608 |
| Earnings coverage of net charge-offs (x) | 19.1295% | 1,863 |
| Efficiency ratio | 61.8891% | 3,635 |
| Assets per employee ($millions) | 7.4304% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,127 |
| Loan loss allowance to noncurrent loans | 2,112.2807% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 3,686 |
| Noncurrent loans to loans | 0.0755% | 4,583 |
| Net loans and leases to total assets | 58.7921% | 3,917 |
| Net loans and leases to deposits | 67.0757% | 4,094 |
| Net loans and leases to core deposits | 71.1200% | 4,076 |
| Total domestic deposits to total assets | 87.6503% | 1,564 |
| Equity capital to assets | 11.6995% | 2,064 |
| Core capital (leverage) ratio | 12.0379% | 1,690 |
| Tier 1 risk-based capital ratio | 16.0862% | 2,407 |
| Total risk-based capital ratio | 17.3361% | 2,345 |
| Memoranda: | ||
| Average total assets | $380,359,330 | 1,814 |
| Average earning assets | $344,418,000 | 1,843 |
| Average equity | $43,603,670 | 1,719 |
| Average total loans | $229,594,330 | 1,955 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,785 |
| Cost of funding earning assets | 0.6215% | 1,906 |
| Net interest margin | 3.3290% | 4,107 |
| Noninterest income to average assets | 0.7012% | 1,824 |
| Noninterest expense to average assets | 2.3114% | 4,173 |
| Loan and lease loss provision to assets | 0.0178% | 3,303 |
| Net operating income to assets | 1.2071% | 1,971 |
| Return on assets (ROA) | 1.2071% | 1,981 |
| Pretax return on assets | 1.3856% | 2,063 |
| Return on Equity (ROE) | 10.6388% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.6388% | 981 |
| Net charge-offs to loans | 0.0381% | 1,763 |
| Credit loss provision to net charge-offs | 77.2727% | 1,769 |
| Earnings coverage of net charge-offs (x) | 60.7727% | 840 |
| Efficiency ratio | 62.2210% | 3,745 |
| Assets per employee ($millions) | 7.5834% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 1,015 |
| Loan loss allowance to noncurrent loans | 1,916.5803% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,807 |
| Noncurrent loans to loans | 0.0870% | 4,594 |
| Net loans and leases to total assets | 55.3004% | 4,181 |
| Net loans and leases to deposits | 62.5718% | 4,294 |
| Net loans and leases to core deposits | 65.9432% | 4,309 |
| Total domestic deposits to total assets | 88.3790% | 1,419 |
| Equity capital to assets | 10.9865% | 2,597 |
| Core capital (leverage) ratio | 12.2095% | 1,521 |
| Tier 1 risk-based capital ratio | 15.6624% | 2,608 |
| Total risk-based capital ratio | 16.9130% | 2,550 |
| Memoranda: | ||
| Average total assets | $381,064,500 | 1,819 |
| Average earning assets | $344,970,500 | 1,852 |
| Average equity | $43,238,000 | 1,740 |
| Average total loans | $231,189,500 | 1,955 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,286 |
| Cost of funding earning assets | 0.5870% | 1,695 |
| Net interest margin | 3.7236% | 2,702 |
| Noninterest income to average assets | 0.4484% | 3,320 |
| Noninterest expense to average assets | 2.3606% | 4,178 |
| Loan and lease loss provision to assets | 0.0064% | 4,139 |
| Net operating income to assets | 0.9625% | 2,394 |
| Return on assets (ROA) | 0.8944% | 2,771 |
| Pretax return on assets | 1.3548% | 2,151 |
| Return on Equity (ROE) | 7.7404% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.6938% | 3,017 |
| Net charge-offs to loans | 0.0429% | 2,933 |
| Credit loss provision to net charge-offs | 23.5294% | 3,587 |
| Earnings coverage of net charge-offs (x) | 53.8824% | 1,034 |
| Efficiency ratio | 61.7164% | 3,980 |
| Assets per employee ($millions) | 7.0729% | 938 |
| Cash dividends to net income (ytd only)* | 52.2788% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 1,298 |
| Loan loss allowance to noncurrent loans | 1,889.7959% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 3,736 |
| Noncurrent loans to loans | 0.0815% | 4,635 |
| Net loans and leases to total assets | 64.4131% | 3,313 |
| Net loans and leases to deposits | 81.3014% | 2,782 |
| Net loans and leases to core deposits | 86.7237% | 2,854 |
| Total domestic deposits to total assets | 79.2275% | 4,496 |
| Equity capital to assets | 11.7328% | 2,013 |
| Core capital (leverage) ratio | 11.5783% | 1,884 |
| Tier 1 risk-based capital ratio | 15.1868% | 2,755 |
| Total risk-based capital ratio | 16.4373% | 2,686 |
| Memoranda: | ||
| Average total assets | $375,331,400 | 1,806 |
| Average earning assets | $340,346,400 | 1,842 |
| Average equity | $43,370,000 | 1,714 |
| Average total loans | $237,843,400 | 1,888 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,469 |
| Cost of funding earning assets | 0.5560% | 1,844 |
| Net interest margin | 3.6850% | 2,805 |
| Noninterest income to average assets | 0.4758% | 3,179 |
| Noninterest expense to average assets | 2.3540% | 4,142 |
| Loan and lease loss provision to assets | 0.0053% | 4,013 |
| Net operating income to assets | 1.1587% | 1,848 |
| Return on assets (ROA) | 1.1590% | 1,890 |
| Pretax return on assets | 1.4598% | 1,914 |
| Return on Equity (ROE) | 10.0678% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.0678% | 571 |
| Net charge-offs to loans | 0.0275% | 2,890 |
| Credit loss provision to net charge-offs | 30.6122% | 3,073 |
| Earnings coverage of net charge-offs (x) | 84.5737% | 783 |
| Efficiency ratio | 61.6438% | 3,931 |
| Assets per employee ($millions) | 7.5384% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,731 |
| Loan loss allowance to noncurrent loans | 5,064.8649% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,783 |
| Noncurrent loans to loans | 0.0285% | 4,996 |
| Net loans and leases to total assets | 65.3892% | 3,193 |
| Net loans and leases to deposits | 88.6244% | 1,971 |
| Net loans and leases to core deposits | 94.8182% | 2,189 |
| Total domestic deposits to total assets | 73.7824% | 5,254 |
| Equity capital to assets | 11.6111% | 2,264 |
| Core capital (leverage) ratio | 11.8339% | 1,795 |
| Tier 1 risk-based capital ratio | 14.4460% | 3,214 |
| Total risk-based capital ratio | 15.6402% | 3,161 |
| Memoranda: | ||
| Average total assets | $377,216,750 | 1,812 |
| Average earning assets | $342,206,750 | 1,843 |
| Average equity | $43,424,500 | 1,724 |
| Average total loans | $237,152,000 | 1,905 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 2,709 |
| Cost of funding earning assets | 0.5242% | 1,967 |
| Net interest margin | 3.6181% | 2,963 |
| Noninterest income to average assets | 0.5356% | 2,791 |
| Noninterest expense to average assets | 2.3707% | 4,144 |
| Loan and lease loss provision to assets | 0.0081% | 3,767 |
| Net operating income to assets | 1.1077% | 1,937 |
| Return on assets (ROA) | 1.1077% | 1,988 |
| Pretax return on assets | 1.4381% | 1,864 |
| Return on Equity (ROE) | 9.6518% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.6518% | 658 |
| Net charge-offs to loans | 0.0314% | 2,573 |
| Credit loss provision to net charge-offs | 41.6667% | 2,630 |
| Earnings coverage of net charge-offs (x) | 74.7778% | 806 |
| Efficiency ratio | 62.1112% | 3,973 |
| Assets per employee ($millions) | 7.3439% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,487 |
| Loan loss allowance to noncurrent loans | 984.5550% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,456 |
| Noncurrent loans to loans | 0.1552% | 4,495 |
| Net loans and leases to total assets | 62.2660% | 3,599 |
| Net loans and leases to deposits | 81.9354% | 2,710 |
| Net loans and leases to core deposits | 87.6745% | 2,734 |
| Total domestic deposits to total assets | 75.9941% | 5,095 |
| Equity capital to assets | 11.4278% | 2,390 |
| Core capital (leverage) ratio | 11.8164% | 1,752 |
| Tier 1 risk-based capital ratio | 14.1876% | 3,315 |
| Total risk-based capital ratio | 15.3970% | 3,260 |
| Memoranda: | ||
| Average total assets | $372,290,330 | 1,836 |
| Average earning assets | $337,632,330 | 1,868 |
| Average equity | $42,727,670 | 1,748 |
| Average total loans | $229,512,330 | 1,946 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 2,839 |
| Cost of funding earning assets | 0.5122% | 1,993 |
| Net interest margin | 3.5415% | 3,112 |
| Noninterest income to average assets | 0.7498% | 1,746 |
| Noninterest expense to average assets | 2.4363% | 4,012 |
| Loan and lease loss provision to assets | 0.0165% | 3,359 |
| Net operating income to assets | 1.2226% | 1,454 |
| Return on assets (ROA) | 1.2226% | 1,492 |
| Pretax return on assets | 1.4974% | 1,537 |
| Return on Equity (ROE) | 10.6281% | 1,690 |
| Retained earnings to average equity (ytd only) | 10.6281% | 669 |
| Net charge-offs to loans | 0.0506% | 1,847 |
| Credit loss provision to net charge-offs | 53.5714% | 1,956 |
| Earnings coverage of net charge-offs (x) | 49.1786% | 908 |
| Efficiency ratio | 61.6755% | 4,198 |
| Assets per employee ($millions) | 7.1472% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 1,225 |
| Loan loss allowance to noncurrent loans | 1,156.1350% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 4,568 |
| Noncurrent loans to loans | 0.1436% | 4,614 |
| Net loans and leases to total assets | 58.9433% | 3,890 |
| Net loans and leases to deposits | 71.2071% | 3,677 |
| Net loans and leases to core deposits | 75.6058% | 3,691 |
| Total domestic deposits to total assets | 82.7773% | 3,923 |
| Equity capital to assets | 11.3149% | 2,340 |
| Core capital (leverage) ratio | 11.8846% | 1,701 |
| Tier 1 risk-based capital ratio | 14.4470% | 3,232 |
| Total risk-based capital ratio | 15.6972% | 3,159 |
| Memoranda: | ||
| Average total assets | $363,823,000 | 1,881 |
| Average earning assets | $328,791,500 | 1,915 |
| Average equity | $41,851,500 | 1,783 |
| Average total loans | $221,210,500 | 2,016 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,396 |
| Cost of funding earning assets | 0.5116% | 1,999 |
| Net interest margin | 3.7164% | 2,622 |
| Noninterest income to average assets | 0.7681% | 1,892 |
| Noninterest expense to average assets | 2.4559% | 4,141 |
| Loan and lease loss provision to assets | 0.1143% | 2,158 |
| Net operating income to assets | 1.2235% | 1,427 |
| Return on assets (ROA) | 1.2565% | 1,420 |
| Pretax return on assets | 1.6232% | 1,212 |
| Return on Equity (ROE) | 10.7279% | 1,681 |
| Retained earnings to average equity (ytd only) | 5.3604% | 2,095 |
| Net charge-offs to loans | -0.1951% | 5,737 |
| Credit loss provision to net charge-offs | -94.6882% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1724% | 4,704 |
| Assets per employee ($millions) | 6.7085% | 1,049 |
| Cash dividends to net income (ytd only)* | 50.0333% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 1,033 |
| Loan loss allowance to noncurrent loans | 16,443.4783% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,930 |
| Noncurrent loans to loans | 0.0107% | 5,249 |
| Net loans and leases to total assets | 60.6551% | 3,781 |
| Net loans and leases to deposits | 73.9141% | 3,521 |
| Net loans and leases to core deposits | 78.9392% | 3,482 |
| Total domestic deposits to total assets | 82.0616% | 4,056 |
| Equity capital to assets | 11.7078% | 2,005 |
| Core capital (leverage) ratio | 11.8621% | 1,687 |
| Tier 1 risk-based capital ratio | 16.0758% | 2,509 |
| Total risk-based capital ratio | 17.3283% | 2,449 |
| Memoranda: | ||
| Average total assets | $358,682,000 | 1,861 |
| Average earning assets | $326,446,600 | 1,889 |
| Average equity | $42,011,800 | 1,762 |
| Average total loans | $221,904,600 | 1,963 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,474 |
| Cost of funding earning assets | 0.5094% | 2,019 |
| Net interest margin | 3.7027% | 2,710 |
| Noninterest income to average assets | 0.8768% | 1,483 |
| Noninterest expense to average assets | 2.4138% | 4,244 |
| Loan and lease loss provision to assets | 0.1588% | 1,459 |
| Net operating income to assets | 1.2539% | 1,445 |
| Return on assets (ROA) | 1.2962% | 1,406 |
| Pretax return on assets | 1.7337% | 1,027 |
| Return on Equity (ROE) | 11.0656% | 1,645 |
| Retained earnings to average equity (ytd only) | 11.0656% | 419 |
| Net charge-offs to loans | -0.2660% | 5,818 |
| Credit loss provision to net charge-offs | -96.4126% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7978% | 4,981 |
| Assets per employee ($millions) | 7.1901% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,536 |
| Loan loss allowance to noncurrent loans | 14,673.0769% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,066 |
| Noncurrent loans to loans | 0.0108% | 5,364 |
| Net loans and leases to total assets | 64.7853% | 3,301 |
| Net loans and leases to deposits | 85.8097% | 2,281 |
| Net loans and leases to core deposits | 91.7335% | 2,416 |
| Total domestic deposits to total assets | 75.4988% | 5,287 |
| Equity capital to assets | 11.9060% | 2,181 |
| Core capital (leverage) ratio | 11.9234% | 1,730 |
| Tier 1 risk-based capital ratio | 15.3902% | 2,873 |
| Total risk-based capital ratio | 16.6415% | 2,806 |
| Memoranda: | ||
| Average total assets | $361,141,750 | 1,854 |
| Average earning assets | $328,976,500 | 1,881 |
| Average equity | $42,304,250 | 1,757 |
| Average total loans | $223,537,500 | 1,962 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 2,670 |
| Cost of funding earning assets | 0.5012% | 2,096 |
| Net interest margin | 3.6498% | 2,898 |
| Noninterest income to average assets | 1.1189% | 896 |
| Noninterest expense to average assets | 2.4509% | 4,174 |
| Loan and lease loss provision to assets | 0.2394% | 824 |
| Net operating income to assets | 1.3357% | 1,198 |
| Return on assets (ROA) | 1.3632% | 1,203 |
| Pretax return on assets | 1.7891% | 905 |
| Return on Equity (ROE) | 11.7030% | 1,417 |
| Retained earnings to average equity (ytd only) | 11.7030% | 367 |
| Net charge-offs to loans | -0.3971% | 5,922 |
| Credit loss provision to net charge-offs | -99.5370% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1616% | 5,227 |
| Assets per employee ($millions) | 7.6229% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 1,362 |
| Loan loss allowance to noncurrent loans | 12,670.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 5,145 |
| Noncurrent loans to loans | 0.0131% | 5,438 |
| Net loans and leases to total assets | 60.2183% | 3,855 |
| Net loans and leases to deposits | 76.1990% | 3,360 |
| Net loans and leases to core deposits | 81.2898% | 3,336 |
| Total domestic deposits to total assets | 79.0277% | 4,780 |
| Equity capital to assets | 11.5919% | 2,451 |
| Core capital (leverage) ratio | 11.8476% | 1,729 |
| Tier 1 risk-based capital ratio | 15.1626% | 2,999 |
| Total risk-based capital ratio | 16.4138% | 2,932 |
| Memoranda: | ||
| Average total assets | $359,290,330 | 1,865 |
| Average earning assets | $327,246,670 | 1,894 |
| Average equity | $41,852,670 | 1,772 |
| Average total loans | $217,590,000 | 2,000 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,640 |
| Cost of funding earning assets | 0.5039% | 2,073 |
| Net interest margin | 3.6483% | 2,894 |
| Noninterest income to average assets | 1.1029% | 898 |
| Noninterest expense to average assets | 2.4068% | 4,343 |
| Loan and lease loss provision to assets | 0.0341% | 3,206 |
| Net operating income to assets | 1.6412% | 649 |
| Return on assets (ROA) | 1.6719% | 648 |
| Pretax return on assets | 2.0297% | 534 |
| Return on Equity (ROE) | 14.3156% | 777 |
| Retained earnings to average equity (ytd only) | 14.3156% | 298 |
| Net charge-offs to loans | -0.2113% | 5,864 |
| Credit loss provision to net charge-offs | -26.7857% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2916% | 5,364 |
| Assets per employee ($millions) | 7.2326% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 2,000 |
| Loan loss allowance to noncurrent loans | 1,684.1530% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,970 |
| Noncurrent loans to loans | 0.0889% | 5,117 |
| Net loans and leases to total assets | 56.0808% | 4,248 |
| Net loans and leases to deposits | 68.1347% | 4,044 |
| Net loans and leases to core deposits | 72.5906% | 4,022 |
| Total domestic deposits to total assets | 82.3087% | 4,116 |
| Equity capital to assets | 11.6246% | 2,313 |
| Core capital (leverage) ratio | 11.7931% | 1,754 |
| Tier 1 risk-based capital ratio | 16.1497% | 2,608 |
| Total risk-based capital ratio | 17.3554% | 2,583 |
| Memoranda: | ||
| Average total assets | $352,175,000 | 1,899 |
| Average earning assets | $321,467,500 | 1,927 |
| Average equity | $41,130,000 | 1,796 |
| Average total loans | $212,020,500 | 2,036 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,677 |
| Cost of funding earning assets | 0.5222% | 1,977 |
| Net interest margin | 3.6462% | 2,956 |
| Noninterest income to average assets | 0.5415% | 3,065 |
| Noninterest expense to average assets | 2.4413% | 4,406 |
| Loan and lease loss provision to assets | 0.1259% | 1,914 |
| Net operating income to assets | 0.9709% | 2,517 |
| Return on assets (ROA) | 1.0183% | 2,348 |
| Pretax return on assets | 1.3660% | 2,046 |
| Return on Equity (ROE) | 9.1682% | 2,381 |
| Retained earnings to average equity (ytd only) | 3.5730% | 3,518 |
| Net charge-offs to loans | -0.0828% | 5,725 |
| Credit loss provision to net charge-offs | -256.7416% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0803% | 4,429 |
| Assets per employee ($millions) | 6.7200% | 998 |
| Cash dividends to net income (ytd only)* | 61.0284% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,679 |
| Loan loss allowance to noncurrent loans | 820.9497% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 4,760 |
| Noncurrent loans to loans | 0.1641% | 4,834 |
| Net loans and leases to total assets | 62.7962% | 3,448 |
| Net loans and leases to deposits | 79.0923% | 2,932 |
| Net loans and leases to core deposits | 84.2293% | 2,947 |
| Total domestic deposits to total assets | 79.3960% | 4,891 |
| Equity capital to assets | 11.7361% | 2,162 |
| Core capital (leverage) ratio | 11.4589% | 1,990 |
| Tier 1 risk-based capital ratio | 15.2461% | 3,055 |
| Total risk-based capital ratio | 16.3718% | 3,055 |
| Memoranda: | ||
| Average total assets | $362,876,600 | 1,802 |
| Average earning assets | $331,279,400 | 1,828 |
| Average equity | $40,302,200 | 1,786 |
| Average total loans | $214,885,400 | 1,959 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 2,870 |
| Cost of funding earning assets | 0.5207% | 2,037 |
| Net interest margin | 3.5966% | 3,176 |
| Noninterest income to average assets | 0.5603% | 2,981 |
| Noninterest expense to average assets | 2.4414% | 4,384 |
| Loan and lease loss provision to assets | 0.1656% | 1,281 |
| Net operating income to assets | 0.9636% | 2,650 |
| Return on assets (ROA) | 1.0267% | 2,431 |
| Pretax return on assets | 1.3206% | 2,319 |
| Return on Equity (ROE) | 9.3676% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.3676% | 772 |
| Net charge-offs to loans | -0.0984% | 5,778 |
| Credit loss provision to net charge-offs | -289.2405% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4668% | 4,340 |
| Assets per employee ($millions) | 7.2887% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,048 |
| Loan loss allowance to noncurrent loans | 446.3303% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 4,672 |
| Noncurrent loans to loans | 0.2928% | 4,540 |
| Net loans and leases to total assets | 59.2943% | 3,965 |
| Net loans and leases to deposits | 81.5856% | 2,695 |
| Net loans and leases to core deposits | 88.3081% | 2,633 |
| Total domestic deposits to total assets | 72.6774% | 5,817 |
| Equity capital to assets | 11.2323% | 2,768 |
| Core capital (leverage) ratio | 11.0704% | 2,412 |
| Tier 1 risk-based capital ratio | 15.3321% | 3,123 |
| Total risk-based capital ratio | 16.4183% | 3,141 |
| Memoranda: | ||
| Average total assets | $367,915,750 | 1,792 |
| Average earning assets | $336,193,750 | 1,820 |
| Average equity | $40,322,250 | 1,800 |
| Average total loans | $214,068,250 | 1,971 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,194 |
| Cost of funding earning assets | 0.5188% | 2,077 |
| Net interest margin | 3.5038% | 3,480 |
| Noninterest income to average assets | 0.6219% | 2,620 |
| Noninterest expense to average assets | 2.4219% | 4,482 |
| Loan and lease loss provision to assets | 0.1636% | 1,285 |
| Net operating income to assets | 0.9836% | 2,485 |
| Return on assets (ROA) | 0.9841% | 2,589 |
| Pretax return on assets | 1.2601% | 2,509 |
| Return on Equity (ROE) | 9.0550% | 2,508 |
| Retained earnings to average equity (ytd only) | 9.0550% | 900 |
| Net charge-offs to loans | -0.1412% | 5,917 |
| Credit loss provision to net charge-offs | -201.3423% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9877% | 4,521 |
| Assets per employee ($millions) | 7.3193% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 3,530 |
| Loan loss allowance to noncurrent loans | 418.3891% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 4,789 |
| Noncurrent loans to loans | 0.2977% | 4,622 |
| Net loans and leases to total assets | 57.3575% | 4,179 |
| Net loans and leases to deposits | 77.7550% | 3,062 |
| Net loans and leases to core deposits | 84.0294% | 2,978 |
| Total domestic deposits to total assets | 73.7670% | 5,811 |
| Equity capital to assets | 10.5829% | 3,351 |
| Core capital (leverage) ratio | 10.8184% | 2,596 |
| Tier 1 risk-based capital ratio | 14.7516% | 3,504 |
| Total risk-based capital ratio | 15.7625% | 3,558 |
| Memoranda: | ||
| Average total assets | $366,647,000 | 1,808 |
| Average earning assets | $337,286,670 | 1,823 |
| Average equity | $39,845,330 | 1,829 |
| Average total loans | $210,981,330 | 2,007 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,456 |
| Cost of funding earning assets | 0.5259% | 2,045 |
| Net interest margin | 3.4144% | 3,788 |
| Noninterest income to average assets | 0.7640% | 1,846 |
| Noninterest expense to average assets | 2.7047% | 3,570 |
| Loan and lease loss provision to assets | 0.1379% | 1,490 |
| Net operating income to assets | 0.8699% | 2,902 |
| Return on assets (ROA) | 0.8708% | 3,017 |
| Pretax return on assets | 1.0777% | 3,182 |
| Return on Equity (ROE) | 7.9034% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.9034% | 1,604 |
| Net charge-offs to loans | -0.1632% | 5,998 |
| Credit loss provision to net charge-offs | -147.6190% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0125% | 3,656 |
| Assets per employee ($millions) | 7.0837% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 3,880 |
| Loan loss allowance to noncurrent loans | 367.6428% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 4,692 |
| Noncurrent loans to loans | 0.3304% | 4,609 |
| Net loans and leases to total assets | 55.4307% | 4,267 |
| Net loans and leases to deposits | 66.6361% | 4,087 |
| Net loans and leases to core deposits | 71.0166% | 4,065 |
| Total domestic deposits to total assets | 83.1842% | 4,125 |
| Equity capital to assets | 10.9469% | 3,034 |
| Core capital (leverage) ratio | 10.7951% | 2,629 |
| Tier 1 risk-based capital ratio | 14.8459% | 3,515 |
| Total risk-based capital ratio | 15.7981% | 3,622 |
| Memoranda: | ||
| Average total assets | $359,668,500 | 1,841 |
| Average earning assets | $332,357,000 | 1,850 |
| Average equity | $39,628,500 | 1,850 |
| Average total loans | $205,943,000 | 2,041 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 3,276 |
| Cost of funding earning assets | 0.5821% | 1,930 |
| Net interest margin | 3.5321% | 3,674 |
| Noninterest income to average assets | 0.5195% | 3,366 |
| Noninterest expense to average assets | 2.3178% | 5,070 |
| Loan and lease loss provision to assets | 0.3004% | 685 |
| Net operating income to assets | 0.9082% | 2,833 |
| Return on assets (ROA) | 0.9762% | 2,575 |
| Pretax return on assets | 1.2305% | 2,528 |
| Return on Equity (ROE) | 9.4413% | 2,365 |
| Retained earnings to average equity (ytd only) | 4.8052% | 2,753 |
| Net charge-offs to loans | 0.6538% | 591 |
| Credit loss provision to net charge-offs | 81.3609% | 2,837 |
| Earnings coverage of net charge-offs (x) | 3.9127% | 3,785 |
| Efficiency ratio | 61.5999% | 4,969 |
| Assets per employee ($millions) | 6.8821% | 894 |
| Cash dividends to net income (ytd only)* | 49.1046% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 4,433 |
| Loan loss allowance to noncurrent loans | 314.3247% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 4,355 |
| Noncurrent loans to loans | 0.3572% | 4,579 |
| Net loans and leases to total assets | 57.8061% | 4,068 |
| Net loans and leases to deposits | 70.8266% | 3,805 |
| Net loans and leases to core deposits | 76.0129% | 3,709 |
| Total domestic deposits to total assets | 81.6164% | 4,566 |
| Equity capital to assets | 11.0927% | 2,813 |
| Core capital (leverage) ratio | 10.8262% | 2,586 |
| Tier 1 risk-based capital ratio | 15.9808% | 2,968 |
| Total risk-based capital ratio | 16.9405% | 3,063 |
| Memoranda: | ||
| Average total assets | $366,117,800 | 1,776 |
| Average earning assets | $336,178,400 | 1,785 |
| Average equity | $37,855,000 | 1,865 |
| Average total loans | $206,805,000 | 1,996 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,443 |
| Cost of funding earning assets | 0.5870% | 1,953 |
| Net interest margin | 3.4968% | 3,846 |
| Noninterest income to average assets | 0.5291% | 3,324 |
| Noninterest expense to average assets | 2.3948% | 4,845 |
| Loan and lease loss provision to assets | 0.0721% | 2,905 |
| Net operating income to assets | 0.9297% | 2,780 |
| Return on assets (ROA) | 1.0118% | 2,457 |
| Pretax return on assets | 1.3805% | 2,080 |
| Return on Equity (ROE) | 9.9575% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.9575% | 722 |
| Net charge-offs to loans | 0.0071% | 4,463 |
| Credit loss provision to net charge-offs | 1,818.1818% | 197 |
| Earnings coverage of net charge-offs (x) | 337.9148% | 209 |
| Efficiency ratio | 64.1189% | 4,520 |
| Assets per employee ($millions) | 6.8998% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 3,769 |
| Loan loss allowance to noncurrent loans | 166.8693% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 3,626 |
| Noncurrent loans to loans | 0.7653% | 3,677 |
| Net loans and leases to total assets | 58.0318% | 4,064 |
| Net loans and leases to deposits | 73.8113% | 3,457 |
| Net loans and leases to core deposits | 78.7105% | 3,470 |
| Total domestic deposits to total assets | 78.6218% | 5,411 |
| Equity capital to assets | 10.8067% | 3,173 |
| Core capital (leverage) ratio | 10.8228% | 2,672 |
| Tier 1 risk-based capital ratio | 15.4430% | 3,355 |
| Total risk-based capital ratio | 16.5202% | 3,378 |
| Memoranda: | ||
| Average total assets | $369,900,500 | 1,772 |
| Average earning assets | $339,122,500 | 1,778 |
| Average equity | $37,585,250 | 1,881 |
| Average total loans | $207,207,250 | 2,003 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,507 |
| Cost of funding earning assets | 0.5945% | 1,943 |
| Net interest margin | 3.4647% | 3,919 |
| Noninterest income to average assets | 0.5774% | 2,947 |
| Noninterest expense to average assets | 2.3549% | 5,010 |
| Loan and lease loss provision to assets | 0.1077% | 2,214 |
| Net operating income to assets | 0.9589% | 2,512 |
| Return on assets (ROA) | 0.9852% | 2,460 |
| Pretax return on assets | 1.3272% | 2,161 |
| Return on Equity (ROE) | 9.9024% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.9024% | 737 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7260% | 4,905 |
| Assets per employee ($millions) | 6.8833% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 3,685 |
| Loan loss allowance to noncurrent loans | 270.1961% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,129 |
| Noncurrent loans to loans | 0.4929% | 4,515 |
| Net loans and leases to total assets | 55.9739% | 4,291 |
| Net loans and leases to deposits | 68.5062% | 3,995 |
| Net loans and leases to core deposits | 72.8921% | 3,953 |
| Total domestic deposits to total assets | 81.7062% | 4,747 |
| Equity capital to assets | 10.5539% | 3,375 |
| Core capital (leverage) ratio | 10.4595% | 2,991 |
| Tier 1 risk-based capital ratio | 15.2274% | 3,510 |
| Total risk-based capital ratio | 16.3209% | 3,544 |
| Memoranda: | ||
| Average total assets | $371,303,670 | 1,768 |
| Average earning assets | $340,465,670 | 1,765 |
| Average equity | $36,940,670 | 1,901 |
| Average total loans | $204,622,330 | 2,019 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,453 |
| Cost of funding earning assets | 0.5914% | 2,052 |
| Net interest margin | 3.4630% | 3,851 |
| Noninterest income to average assets | 0.7038% | 2,149 |
| Noninterest expense to average assets | 2.2833% | 5,240 |
| Loan and lease loss provision to assets | 0.1602% | 1,523 |
| Net operating income to assets | 1.1051% | 1,799 |
| Return on assets (ROA) | 1.1438% | 1,718 |
| Pretax return on assets | 1.4812% | 1,487 |
| Return on Equity (ROE) | 11.8473% | 1,453 |
| Retained earnings to average equity (ytd only) | 11.8473% | 629 |
| Net charge-offs to loans | 0.0118% | 3,379 |
| Credit loss provision to net charge-offs | 2,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 248.3333% | 197 |
| Efficiency ratio | 58.9305% | 5,547 |
| Assets per employee ($millions) | 7.3077% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 3,917 |
| Loan loss allowance to noncurrent loans | 356.2005% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 5,016 |
| Noncurrent loans to loans | 0.3754% | 5,001 |
| Net loans and leases to total assets | 51.4371% | 4,733 |
| Net loans and leases to deposits | 60.7098% | 4,690 |
| Net loans and leases to core deposits | 63.6544% | 4,719 |
| Total domestic deposits to total assets | 84.7262% | 3,986 |
| Equity capital to assets | 9.5786% | 4,388 |
| Core capital (leverage) ratio | 9.8595% | 3,777 |
| Tier 1 risk-based capital ratio | 14.7457% | 3,858 |
| Total risk-based capital ratio | 15.8041% | 3,925 |
| Memoranda: | ||
| Average total assets | $374,549,000 | 1,755 |
| Average earning assets | $342,941,500 | 1,757 |
| Average equity | $36,160,000 | 1,930 |
| Average total loans | $203,455,500 | 2,024 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,923 |
| Cost of funding earning assets | 0.6628% | 2,094 |
| Net interest margin | 3.6468% | 3,254 |
| Noninterest income to average assets | 0.6075% | 3,049 |
| Noninterest expense to average assets | 2.2568% | 5,486 |
| Loan and lease loss provision to assets | 0.2230% | 1,634 |
| Net operating income to assets | 1.2506% | 1,389 |
| Return on assets (ROA) | 1.2741% | 1,375 |
| Pretax return on assets | 1.4904% | 1,474 |
| Return on Equity (ROE) | 12.5986% | 1,255 |
| Retained earnings to average equity (ytd only) | 7.6928% | 1,155 |
| Net charge-offs to loans | 0.6278% | 1,043 |
| Credit loss provision to net charge-offs | 61.7854% | 3,510 |
| Earnings coverage of net charge-offs (x) | 4.6695% | 3,496 |
| Efficiency ratio | 57.2422% | 5,819 |
| Assets per employee ($millions) | 6.8262% | 830 |
| Cash dividends to net income (ytd only)* | 38.9394% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 4,401 |
| Loan loss allowance to noncurrent loans | 139.0642% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 4,634 |
| Noncurrent loans to loans | 0.8966% | 3,747 |
| Net loans and leases to total assets | 55.9538% | 4,323 |
| Net loans and leases to deposits | 66.3622% | 4,255 |
| Net loans and leases to core deposits | 69.8231% | 4,299 |
| Total domestic deposits to total assets | 84.3157% | 4,048 |
| Equity capital to assets | 9.7353% | 4,122 |
| Core capital (leverage) ratio | 10.3408% | 3,103 |
| Tier 1 risk-based capital ratio | 14.9314% | 3,709 |
| Total risk-based capital ratio | 15.9756% | 3,762 |
| Memoranda: | ||
| Average total assets | $353,737,400 | 1,832 |
| Average earning assets | $323,487,200 | 1,837 |
| Average equity | $35,773,800 | 1,925 |
| Average total loans | $203,415,600 | 1,978 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,793 |
| Cost of funding earning assets | 0.6753% | 2,136 |
| Net interest margin | 3.6737% | 3,138 |
| Noninterest income to average assets | 0.5724% | 3,315 |
| Noninterest expense to average assets | 2.3825% | 5,074 |
| Loan and lease loss provision to assets | 0.0262% | 4,484 |
| Net operating income to assets | 1.2061% | 1,608 |
| Return on assets (ROA) | 1.2328% | 1,602 |
| Pretax return on assets | 1.5588% | 1,447 |
| Return on Equity (ROE) | 12.0737% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.0737% | 411 |
| Net charge-offs to loans | 0.0315% | 4,503 |
| Credit loss provision to net charge-offs | 143.7500% | 1,635 |
| Earnings coverage of net charge-offs (x) | 85.2478% | 559 |
| Efficiency ratio | 60.5666% | 5,351 |
| Assets per employee ($millions) | 6.6275% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 3,732 |
| Loan loss allowance to noncurrent loans | 267.2188% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 5,369 |
| Noncurrent loans to loans | 0.5391% | 4,845 |
| Net loans and leases to total assets | 58.5934% | 3,907 |
| Net loans and leases to deposits | 70.1357% | 3,767 |
| Net loans and leases to core deposits | 74.1401% | 3,827 |
| Total domestic deposits to total assets | 83.5429% | 4,361 |
| Equity capital to assets | 10.0521% | 3,827 |
| Core capital (leverage) ratio | 10.5498% | 2,955 |
| Tier 1 risk-based capital ratio | 14.6919% | 3,956 |
| Total risk-based capital ratio | 15.8725% | 3,947 |
| Memoranda: | ||
| Average total assets | $351,724,750 | 1,855 |
| Average earning assets | $321,807,750 | 1,853 |
| Average equity | $35,912,000 | 1,933 |
| Average total loans | $203,022,000 | 1,983 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 3,191 |
| Cost of funding earning assets | 0.6771% | 2,246 |
| Net interest margin | 3.5612% | 3,520 |
| Noninterest income to average assets | 0.8110% | 2,141 |
| Noninterest expense to average assets | 2.5310% | 4,622 |
| Loan and lease loss provision to assets | 0.0315% | 4,300 |
| Net operating income to assets | 1.1359% | 1,788 |
| Return on assets (ROA) | 1.1376% | 1,900 |
| Pretax return on assets | 1.5180% | 1,566 |
| Return on Equity (ROE) | 11.0836% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.0836% | 631 |
| Net charge-offs to loans | 0.0370% | 4,165 |
| Credit loss provision to net charge-offs | 148.6486% | 1,550 |
| Earnings coverage of net charge-offs (x) | 73.1081% | 614 |
| Efficiency ratio | 62.0617% | 5,161 |
| Assets per employee ($millions) | 6.4030% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,501 |
| Loan loss allowance to noncurrent loans | 137.5562% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 4,618 |
| Noncurrent loans to loans | 1.1037% | 3,723 |
| Net loans and leases to total assets | 57.4431% | 4,073 |
| Net loans and leases to deposits | 68.9805% | 3,861 |
| Net loans and leases to core deposits | 73.1463% | 3,909 |
| Total domestic deposits to total assets | 83.2744% | 4,599 |
| Equity capital to assets | 10.2018% | 3,657 |
| Core capital (leverage) ratio | 10.2658% | 3,144 |
| Tier 1 risk-based capital ratio | 14.8220% | 3,895 |
| Total risk-based capital ratio | 16.0720% | 3,862 |
| Memoranda: | ||
| Average total assets | $349,670,670 | 1,867 |
| Average earning assets | $320,789,000 | 1,868 |
| Average equity | $35,891,000 | 1,943 |
| Average total loans | $199,775,000 | 2,013 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,615 |
| Cost of funding earning assets | 0.6737% | 2,455 |
| Net interest margin | 3.4529% | 3,889 |
| Noninterest income to average assets | 0.7906% | 2,160 |
| Noninterest expense to average assets | 2.3707% | 5,196 |
| Loan and lease loss provision to assets | 0.0626% | 3,590 |
| Net operating income to assets | 1.2794% | 1,335 |
| Return on assets (ROA) | 1.2832% | 1,427 |
| Pretax return on assets | 1.5335% | 1,475 |
| Return on Equity (ROE) | 12.4643% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.4643% | 637 |
| Net charge-offs to loans | 0.0101% | 3,948 |
| Credit loss provision to net charge-offs | 1,100.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 279.8000% | 131 |
| Efficiency ratio | 59.8335% | 5,611 |
| Assets per employee ($millions) | 7.3704% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 3,588 |
| Loan loss allowance to noncurrent loans | 160.9781% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 5,104 |
| Noncurrent loans to loans | 0.9668% | 4,200 |
| Net loans and leases to total assets | 52.0640% | 4,698 |
| Net loans and leases to deposits | 61.6840% | 4,596 |
| Net loans and leases to core deposits | 65.2635% | 4,622 |
| Total domestic deposits to total assets | 84.4044% | 4,313 |
| Equity capital to assets | 9.7510% | 4,499 |
| Core capital (leverage) ratio | 9.6331% | 3,870 |
| Tier 1 risk-based capital ratio | 14.4223% | 4,229 |
| Total risk-based capital ratio | 15.6728% | 4,197 |
| Memoranda: | ||
| Average total assets | $351,624,500 | 1,882 |
| Average earning assets | $322,971,500 | 1,871 |
| Average equity | $36,199,500 | 1,949 |
| Average total loans | $198,823,000 | 2,037 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 2,849 |
| Cost of funding earning assets | 0.8010% | 2,660 |
| Net interest margin | 3.8383% | 3,066 |
| Noninterest income to average assets | 0.5993% | 3,282 |
| Noninterest expense to average assets | 2.5966% | 4,758 |
| Loan and lease loss provision to assets | 0.0414% | 5,342 |
| Net operating income to assets | 1.1119% | 1,903 |
| Return on assets (ROA) | 1.3240% | 1,377 |
| Pretax return on assets | 1.7501% | 1,022 |
| Return on Equity (ROE) | 12.7501% | 1,295 |
| Retained earnings to average equity (ytd only) | 7.7531% | 1,211 |
| Net charge-offs to loans | -0.0276% | 6,605 |
| Credit loss provision to net charge-offs | -254.5455% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1935% | 5,040 |
| Assets per employee ($millions) | 5.7432% | 1,483 |
| Cash dividends to net income (ytd only)* | 39.1916% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,612 |
| Loan loss allowance to noncurrent loans | 285.8216% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 5,693 |
| Noncurrent loans to loans | 0.5356% | 5,187 |
| Net loans and leases to total assets | 59.8134% | 3,636 |
| Net loans and leases to deposits | 72.5639% | 3,316 |
| Net loans and leases to core deposits | 78.4010% | 3,209 |
| Total domestic deposits to total assets | 82.4285% | 4,955 |
| Equity capital to assets | 10.9195% | 3,046 |
| Core capital (leverage) ratio | 10.2060% | 3,129 |
| Tier 1 risk-based capital ratio | 14.5732% | 3,978 |
| Total risk-based capital ratio | 15.8246% | 3,934 |
| Memoranda: | ||
| Average total assets | $338,210,200 | 1,915 |
| Average earning assets | $309,251,000 | 1,912 |
| Average equity | $35,121,400 | 1,966 |
| Average total loans | $199,147,600 | 2,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 2,931 |
| Cost of funding earning assets | 0.8117% | 2,847 |
| Net interest margin | 3.8570% | 3,092 |
| Noninterest income to average assets | 0.6167% | 3,178 |
| Noninterest expense to average assets | 2.5467% | 4,933 |
| Loan and lease loss provision to assets | 0.0489% | 5,158 |
| Net operating income to assets | 1.1513% | 1,900 |
| Return on assets (ROA) | 1.2319% | 1,798 |
| Pretax return on assets | 1.6500% | 1,411 |
| Return on Equity (ROE) | 12.0116% | 1,634 |
| Retained earnings to average equity (ytd only) | 12.0116% | 527 |
| Net charge-offs to loans | -0.0442% | 6,672 |
| Credit loss provision to net charge-offs | -189.3939% | 6,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5443% | 5,224 |
| Assets per employee ($millions) | 6.1077% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 4,159 |
| Loan loss allowance to noncurrent loans | 381.4304% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 6,130 |
| Noncurrent loans to loans | 0.3801% | 5,711 |
| Net loans and leases to total assets | 59.3578% | 3,900 |
| Net loans and leases to deposits | 78.0049% | 2,659 |
| Net loans and leases to core deposits | 83.8326% | 2,716 |
| Total domestic deposits to total assets | 76.0950% | 6,367 |
| Equity capital to assets | 10.5802% | 3,753 |
| Core capital (leverage) ratio | 9.8303% | 3,776 |
| Tier 1 risk-based capital ratio | 14.1154% | 4,442 |
| Total risk-based capital ratio | 15.3693% | 4,403 |
| Memoranda: | ||
| Average total assets | $340,922,750 | 1,913 |
| Average earning assets | $311,254,000 | 1,916 |
| Average equity | $34,965,250 | 1,997 |
| Average total loans | $199,222,250 | 2,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 3,443 |
| Cost of funding earning assets | 0.8296% | 2,955 |
| Net interest margin | 3.7517% | 3,581 |
| Noninterest income to average assets | 0.6865% | 2,739 |
| Noninterest expense to average assets | 2.4891% | 5,179 |
| Loan and lease loss provision to assets | 0.0739% | 4,701 |
| Net operating income to assets | 1.1804% | 1,784 |
| Return on assets (ROA) | 1.3039% | 1,581 |
| Pretax return on assets | 1.7139% | 1,220 |
| Return on Equity (ROE) | 12.8529% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.8529% | 454 |
| Net charge-offs to loans | -0.0705% | 6,763 |
| Credit loss provision to net charge-offs | -181.1594% | 6,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4968% | 5,497 |
| Assets per employee ($millions) | 6.2207% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,332 |
| Loan loss allowance to noncurrent loans | 378.0124% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 6,181 |
| Noncurrent loans to loans | 0.3789% | 5,780 |
| Net loans and leases to total assets | 61.2084% | 3,590 |
| Net loans and leases to deposits | 74.3905% | 3,229 |
| Net loans and leases to core deposits | 79.3669% | 3,310 |
| Total domestic deposits to total assets | 82.2798% | 5,024 |
| Equity capital to assets | 10.4083% | 3,796 |
| Core capital (leverage) ratio | 9.6832% | 3,858 |
| Tier 1 risk-based capital ratio | 13.3438% | 4,934 |
| Total risk-based capital ratio | 14.5640% | 4,923 |
| Memoranda: | ||
| Average total assets | $338,516,670 | 1,924 |
| Average earning assets | $309,299,670 | 1,932 |
| Average equity | $34,342,330 | 2,017 |
| Average total loans | $195,733,330 | 2,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 4,046 |
| Cost of funding earning assets | 0.8624% | 2,971 |
| Net interest margin | 3.6032% | 4,259 |
| Noninterest income to average assets | 0.8696% | 1,871 |
| Noninterest expense to average assets | 2.3760% | 5,549 |
| Loan and lease loss provision to assets | 0.0891% | 4,249 |
| Net operating income to assets | 1.2997% | 1,463 |
| Return on assets (ROA) | 1.2997% | 1,630 |
| Pretax return on assets | 1.6905% | 1,325 |
| Return on Equity (ROE) | 12.9821% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.9821% | 683 |
| Net charge-offs to loans | -0.1409% | 6,902 |
| Credit loss provision to net charge-offs | -113.6364% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1755% | 6,022 |
| Assets per employee ($millions) | 6.1887% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,944 |
| Loan loss allowance to noncurrent loans | 17,588.2353% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 6,591 |
| Noncurrent loans to loans | 0.0088% | 6,774 |
| Net loans and leases to total assets | 53.8532% | 4,750 |
| Net loans and leases to deposits | 64.0994% | 4,622 |
| Net loans and leases to core deposits | 68.8255% | 4,587 |
| Total domestic deposits to total assets | 84.0153% | 4,483 |
| Equity capital to assets | 9.7130% | 4,503 |
| Core capital (leverage) ratio | 9.1224% | 4,650 |
| Tier 1 risk-based capital ratio | 13.7020% | 4,675 |
| Total risk-based capital ratio | 14.9514% | 4,660 |
| Memoranda: | ||
| Average total assets | $336,704,500 | 1,942 |
| Average earning assets | $307,064,500 | 1,944 |
| Average equity | $33,708,000 | 2,054 |
| Average total loans | $187,369,000 | 2,146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 2,994 |
| Cost of funding earning assets | 0.9951% | 3,415 |
| Net interest margin | 3.9800% | 2,983 |
| Noninterest income to average assets | 0.6271% | 3,022 |
| Noninterest expense to average assets | 2.7197% | 4,671 |
| Loan and lease loss provision to assets | 0.0230% | 6,291 |
| Net operating income to assets | 1.1955% | 1,522 |
| Return on assets (ROA) | 1.2380% | 1,512 |
| Pretax return on assets | 1.5172% | 1,421 |
| Return on Equity (ROE) | 12.6610% | 1,243 |
| Retained earnings to average equity (ytd only) | 7.1542% | 1,430 |
| Net charge-offs to loans | 0.0235% | 6,113 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | 107.8000% | 294 |
| Efficiency ratio | 64.6300% | 5,014 |
| Assets per employee ($millions) | 5.8301% | 1,347 |
| Cash dividends to net income (ytd only)* | 43.4944% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,720 |
| Loan loss allowance to noncurrent loans | 2,543.7500% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,550 |
| Noncurrent loans to loans | 0.0616% | 6,663 |
| Net loans and leases to total assets | 55.8013% | 4,748 |
| Net loans and leases to deposits | 67.2999% | 4,540 |
| Net loans and leases to core deposits | 74.0790% | 4,230 |
| Total domestic deposits to total assets | 82.9143% | 4,784 |
| Equity capital to assets | 10.3392% | 3,730 |
| Core capital (leverage) ratio | 9.7301% | 3,702 |
| Tier 1 risk-based capital ratio | 14.5766% | 3,917 |
| Total risk-based capital ratio | 15.8277% | 3,893 |
| Memoranda: | ||
| Average total assets | $325,923,800 | 1,975 |
| Average earning assets | $293,238,000 | 1,993 |
| Average equity | $31,869,400 | 2,082 |
| Average total loans | $191,670,400 | 2,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 2,949 |
| Cost of funding earning assets | 1.0109% | 3,606 |
| Net interest margin | 4.0172% | 2,842 |
| Noninterest income to average assets | 0.6372% | 2,952 |
| Noninterest expense to average assets | 2.6557% | 4,884 |
| Loan and lease loss provision to assets | 0.0750% | 5,514 |
| Net operating income to assets | 1.1510% | 1,812 |
| Return on assets (ROA) | 1.2028% | 1,752 |
| Pretax return on assets | 1.5788% | 1,441 |
| Return on Equity (ROE) | 12.4757% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.4757% | 437 |
| Net charge-offs to loans | -0.0151% | 6,848 |
| Credit loss provision to net charge-offs | -836.3636% | 6,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6129% | 5,310 |
| Assets per employee ($millions) | 6.0864% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,996 |
| Loan loss allowance to noncurrent loans | 781.6537% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 6,574 |
| Noncurrent loans to loans | 0.1947% | 6,479 |
| Net loans and leases to total assets | 56.4317% | 4,773 |
| Net loans and leases to deposits | 72.6162% | 3,870 |
| Net loans and leases to core deposits | 80.7725% | 3,518 |
| Total domestic deposits to total assets | 77.7123% | 6,250 |
| Equity capital to assets | 9.8273% | 4,588 |
| Core capital (leverage) ratio | 9.8528% | 3,646 |
| Tier 1 risk-based capital ratio | 13.5727% | 4,682 |
| Total risk-based capital ratio | 14.8233% | 4,651 |
| Memoranda: | ||
| Average total assets | $327,241,250 | 1,978 |
| Average earning assets | $293,600,250 | 2,002 |
| Average equity | $31,548,500 | 2,103 |
| Average total loans | $194,143,500 | 2,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 3,055 |
| Cost of funding earning assets | 1.0252% | 3,780 |
| Net interest margin | 3.9971% | 2,850 |
| Noninterest income to average assets | 0.6804% | 2,646 |
| Noninterest expense to average assets | 2.7317% | 4,696 |
| Loan and lease loss provision to assets | 0.1079% | 4,953 |
| Net operating income to assets | 1.1224% | 1,815 |
| Return on assets (ROA) | 1.1887% | 1,705 |
| Pretax return on assets | 1.5355% | 1,419 |
| Return on Equity (ROE) | 12.4168% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.4168% | 466 |
| Net charge-offs to loans | -0.0395% | 6,990 |
| Credit loss provision to net charge-offs | -455.2632% | 6,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6906% | 5,299 |
| Assets per employee ($millions) | 5.7172% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 3,787 |
| Loan loss allowance to noncurrent loans | 730.1205% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 6,472 |
| Noncurrent loans to loans | 0.2162% | 6,473 |
| Net loans and leases to total assets | 57.9642% | 4,636 |
| Net loans and leases to deposits | 72.2988% | 4,066 |
| Net loans and leases to core deposits | 79.7677% | 3,813 |
| Total domestic deposits to total assets | 80.1730% | 5,778 |
| Equity capital to assets | 9.8411% | 4,343 |
| Core capital (leverage) ratio | 9.7629% | 3,573 |
| Tier 1 risk-based capital ratio | 13.3709% | 4,631 |
| Total risk-based capital ratio | 14.6219% | 4,616 |
| Memoranda: | ||
| Average total assets | $320,681,000 | 2,017 |
| Average earning assets | $289,511,330 | 2,039 |
| Average equity | $30,700,330 | 2,142 |
| Average total loans | $192,591,670 | 2,159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 2,817 |
| Cost of funding earning assets | 1.0422% | 3,907 |
| Net interest margin | 4.0171% | 2,617 |
| Noninterest income to average assets | 0.8702% | 1,770 |
| Noninterest expense to average assets | 2.4899% | 5,586 |
| Loan and lease loss provision to assets | 0.2025% | 3,614 |
| Net operating income to assets | 1.3860% | 1,084 |
| Return on assets (ROA) | 1.3908% | 1,123 |
| Pretax return on assets | 1.8096% | 800 |
| Return on Equity (ROE) | 14.7391% | 865 |
| Retained earnings to average equity (ytd only) | 14.7391% | 415 |
| Net charge-offs to loans | -0.0892% | 7,056 |
| Credit loss provision to net charge-offs | -374.4186% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3846% | 6,577 |
| Assets per employee ($millions) | 5.6141% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 3,691 |
| Loan loss allowance to noncurrent loans | 737.3171% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 5,981 |
| Noncurrent loans to loans | 0.2183% | 6,539 |
| Net loans and leases to total assets | 56.7637% | 4,856 |
| Net loans and leases to deposits | 67.7479% | 4,712 |
| Net loans and leases to core deposits | 74.7299% | 4,458 |
| Total domestic deposits to total assets | 83.7866% | 4,578 |
| Equity capital to assets | 9.4463% | 4,505 |
| Core capital (leverage) ratio | 9.5345% | 3,752 |
| Tier 1 risk-based capital ratio | 12.7781% | 4,991 |
| Total risk-based capital ratio | 14.0283% | 4,970 |
| Memoranda: | ||
| Average total assets | $318,082,000 | 2,051 |
| Average earning assets | $287,072,000 | 2,070 |
| Average equity | $30,015,500 | 2,173 |
| Average total loans | $192,926,000 | 2,172 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 3,537 |
| Cost of funding earning assets | 1.0874% | 5,202 |
| Net interest margin | 4.1261% | 2,459 |
| Noninterest income to average assets | 0.6325% | 3,265 |
| Noninterest expense to average assets | 2.6642% | 5,157 |
| Loan and lease loss provision to assets | 0.2138% | 5,116 |
| Net operating income to assets | 1.0444% | 1,893 |
| Return on assets (ROA) | 1.0918% | 1,809 |
| Pretax return on assets | 1.5537% | 1,235 |
| Return on Equity (ROE) | 11.6779% | 1,399 |
| Retained earnings to average equity (ytd only) | 5.7597% | 1,955 |
| Net charge-offs to loans | 0.1151% | 5,726 |
| Credit loss provision to net charge-offs | 290.9871% | 927 |
| Earnings coverage of net charge-offs (x) | 23.1373% | 915 |
| Efficiency ratio | 61.0505% | 5,885 |
| Assets per employee ($millions) | 5.3542% | 1,712 |
| Cash dividends to net income (ytd only)* | 50.6786% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 4,406 |
| Loan loss allowance to noncurrent loans | 8,809.3750% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,272 |
| Noncurrent loans to loans | 0.0162% | 7,109 |
| Net loans and leases to total assets | 62.8497% | 4,102 |
| Net loans and leases to deposits | 78.0542% | 3,501 |
| Net loans and leases to core deposits | 89.9694% | 2,771 |
| Total domestic deposits to total assets | 80.5206% | 5,679 |
| Equity capital to assets | 9.4260% | 4,506 |
| Core capital (leverage) ratio | 9.2461% | 4,099 |
| Tier 1 risk-based capital ratio | 12.2926% | 5,220 |
| Total risk-based capital ratio | 13.4961% | 5,227 |
| Memoranda: | ||
| Average total assets | $317,169,000 | 2,051 |
| Average earning assets | $286,830,400 | 2,070 |
| Average equity | $29,654,400 | 2,198 |
| Average total loans | $202,446,400 | 2,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 3,558 |
| Cost of funding earning assets | 1.0763% | 5,564 |
| Net interest margin | 4.1780% | 2,301 |
| Noninterest income to average assets | 0.6528% | 3,106 |
| Noninterest expense to average assets | 2.6773% | 4,973 |
| Loan and lease loss provision to assets | 0.2012% | 5,037 |
| Net operating income to assets | 1.0300% | 2,139 |
| Return on assets (ROA) | 1.0894% | 2,035 |
| Pretax return on assets | 1.6401% | 1,248 |
| Return on Equity (ROE) | 11.6748% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.6748% | 497 |
| Net charge-offs to loans | 0.0609% | 5,901 |
| Credit loss provision to net charge-offs | 517.2043% | 567 |
| Earnings coverage of net charge-offs (x) | 45.0311% | 618 |
| Efficiency ratio | 60.4533% | 5,881 |
| Assets per employee ($millions) | 5.5647% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,986 |
| Loan loss allowance to noncurrent loans | 12,008.6957% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 7,162 |
| Noncurrent loans to loans | 0.0108% | 7,243 |
| Net loans and leases to total assets | 65.1696% | 3,875 |
| Net loans and leases to deposits | 85.9870% | 2,347 |
| Net loans and leases to core deposits | 103.4263% | 1,535 |
| Total domestic deposits to total assets | 75.7900% | 6,691 |
| Equity capital to assets | 9.8146% | 4,399 |
| Core capital (leverage) ratio | 9.3443% | 4,140 |
| Tier 1 risk-based capital ratio | 12.2213% | 5,246 |
| Total risk-based capital ratio | 13.3583% | 5,323 |
| Memoranda: | ||
| Average total assets | $318,825,250 | 2,073 |
| Average earning assets | $288,136,000 | 2,090 |
| Average equity | $29,750,000 | 2,219 |
| Average total loans | $203,559,250 | 2,160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 4,103 |
| Cost of funding earning assets | 1.0545% | 5,900 |
| Net interest margin | 4.1137% | 2,493 |
| Noninterest income to average assets | 0.7067% | 2,668 |
| Noninterest expense to average assets | 2.6468% | 5,143 |
| Loan and lease loss provision to assets | 0.2016% | 4,858 |
| Net operating income to assets | 1.1695% | 1,651 |
| Return on assets (ROA) | 1.2390% | 1,517 |
| Pretax return on assets | 1.6749% | 1,104 |
| Return on Equity (ROE) | 13.5153% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.5153% | 339 |
| Net charge-offs to loans | 0.0579% | 5,583 |
| Credit loss provision to net charge-offs | 551.7241% | 668 |
| Earnings coverage of net charge-offs (x) | 48.7931% | 605 |
| Efficiency ratio | 59.7554% | 6,087 |
| Assets per employee ($millions) | 5.4563% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,096 |
| Loan loss allowance to noncurrent loans | 20,276.9231% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 6,942 |
| Noncurrent loans to loans | 0.0062% | 7,324 |
| Net loans and leases to total assets | 64.8971% | 4,065 |
| Net loans and leases to deposits | 82.1977% | 3,238 |
| Net loans and leases to core deposits | 95.7558% | 2,470 |
| Total domestic deposits to total assets | 78.9524% | 6,053 |
| Equity capital to assets | 9.5445% | 4,639 |
| Core capital (leverage) ratio | 9.2706% | 4,172 |
| Tier 1 risk-based capital ratio | 11.8780% | 5,419 |
| Total risk-based capital ratio | 12.9558% | 5,539 |
| Memoranda: | ||
| Average total assets | $317,515,330 | 2,093 |
| Average earning assets | $287,335,670 | 2,103 |
| Average equity | $29,107,670 | 2,255 |
| Average total loans | $200,379,000 | 2,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 4,528 |
| Cost of funding earning assets | 1.0514% | 6,132 |
| Net interest margin | 4.0483% | 2,654 |
| Noninterest income to average assets | 0.8615% | 1,762 |
| Noninterest expense to average assets | 2.5758% | 5,449 |
| Loan and lease loss provision to assets | 0.2000% | 4,503 |
| Net operating income to assets | 1.3217% | 1,250 |
| Return on assets (ROA) | 1.3533% | 1,245 |
| Pretax return on assets | 1.7834% | 906 |
| Return on Equity (ROE) | 15.0706% | 860 |
| Retained earnings to average equity (ytd only) | 15.0706% | 402 |
| Net charge-offs to loans | -0.3419% | 7,760 |
| Credit loss provision to net charge-offs | -94.6429% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0156% | 6,627 |
| Assets per employee ($millions) | 5.6821% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,461 |
| Loan loss allowance to noncurrent loans | 643.0952% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 6,662 |
| Noncurrent loans to loans | 0.2163% | 6,905 |
| Net loans and leases to total assets | 59.1054% | 5,269 |
| Net loans and leases to deposits | 72.2604% | 5,014 |
| Net loans and leases to core deposits | 82.7398% | 4,390 |
| Total domestic deposits to total assets | 81.7951% | 5,158 |
| Equity capital to assets | 9.0642% | 5,182 |
| Core capital (leverage) ratio | 8.6580% | 5,098 |
| Tier 1 risk-based capital ratio | 11.8273% | 5,369 |
| Total risk-based capital ratio | 12.9617% | 5,428 |
| Memoranda: | ||
| Average total assets | $318,041,000 | 2,140 |
| Average earning assets | $287,231,000 | 2,160 |
| Average equity | $28,559,000 | 2,327 |
| Average total loans | $196,562,500 | 2,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6054% | 3,578 |
| Cost of funding earning assets | 1.3844% | 5,997 |
| Net interest margin | 4.2210% | 2,001 |
| Noninterest income to average assets | 0.6715% | 3,148 |
| Noninterest expense to average assets | 2.6698% | 5,516 |
| Loan and lease loss provision to assets | 0.3098% | 4,967 |
| Net operating income to assets | 1.1236% | 1,455 |
| Return on assets (ROA) | 1.1555% | 1,398 |
| Pretax return on assets | 1.5365% | 1,108 |
| Return on Equity (ROE) | 13.0479% | 953 |
| Retained earnings to average equity (ytd only) | 8.3257% | 620 |
| Net charge-offs to loans | 0.0352% | 6,773 |
| Credit loss provision to net charge-offs | 1,350.7246% | 222 |
| Earnings coverage of net charge-offs (x) | 78.6377% | 346 |
| Efficiency ratio | 59.6790% | 6,532 |
| Assets per employee ($millions) | 5.6764% | 1,492 |
| Cash dividends to net income (ytd only)* | 36.1910% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 5,412 |
| Loan loss allowance to noncurrent loans | 1,181.0945% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 6,765 |
| Noncurrent loans to loans | 0.1010% | 7,160 |
| Net loans and leases to total assets | 62.9783% | 4,816 |
| Net loans and leases to deposits | 77.1083% | 4,539 |
| Net loans and leases to core deposits | 102.5194% | 3,742 |
| Total domestic deposits to total assets | 81.6751% | 5,071 |
| Equity capital to assets | 8.8920% | 5,295 |
| Core capital (leverage) ratio | 8.6514% | 5,012 |
| Tier 1 risk-based capital ratio | 11.4964% | 5,393 |
| Total risk-based capital ratio | 12.5041% | 5,614 |
| Memoranda: | ||
| Average total assets | $300,813,000 | 2,212 |
| Average earning assets | $270,951,800 | 2,231 |
| Average equity | $26,640,400 | 2,478 |
| Average total loans | $195,993,600 | 2,332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 3,749 |
| Cost of funding earning assets | 1.4668% | 5,976 |
| Net interest margin | 4.1524% | 2,205 |
| Noninterest income to average assets | 0.6936% | 3,061 |
| Noninterest expense to average assets | 2.6414% | 5,556 |
| Loan and lease loss provision to assets | 0.2788% | 4,743 |
| Net operating income to assets | 1.1355% | 1,619 |
| Return on assets (ROA) | 1.1737% | 1,586 |
| Pretax return on assets | 1.5626% | 1,256 |
| Return on Equity (ROE) | 13.2671% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.2671% | 240 |
| Net charge-offs to loans | 0.0635% | 6,063 |
| Credit loss provision to net charge-offs | 669.8925% | 559 |
| Earnings coverage of net charge-offs (x) | 43.0204% | 711 |
| Efficiency ratio | 59.6022% | 6,469 |
| Assets per employee ($millions) | 5.6640% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 6,485 |
| Loan loss allowance to noncurrent loans | 527.3902% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 6,787 |
| Noncurrent loans to loans | 0.1821% | 7,038 |
| Net loans and leases to total assets | 67.5615% | 4,057 |
| Net loans and leases to deposits | 96.0313% | 1,572 |
| Net loans and leases to core deposits | 134.5396% | 1,176 |
| Total domestic deposits to total assets | 70.3537% | 7,390 |
| Equity capital to assets | 9.0954% | 5,348 |
| Core capital (leverage) ratio | 8.9600% | 4,705 |
| Tier 1 risk-based capital ratio | 11.6277% | 5,308 |
| Total risk-based capital ratio | 12.4911% | 5,648 |
| Memoranda: | ||
| Average total assets | $297,965,500 | 2,236 |
| Average earning assets | $268,240,750 | 2,267 |
| Average equity | $26,360,250 | 2,520 |
| Average total loans | $195,243,500 | 2,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 4,232 |
| Cost of funding earning assets | 1.5637% | 5,866 |
| Net interest margin | 4.0037% | 2,687 |
| Noninterest income to average assets | 0.7504% | 2,702 |
| Noninterest expense to average assets | 2.6287% | 5,622 |
| Loan and lease loss provision to assets | 0.2644% | 4,462 |
| Net operating income to assets | 1.1358% | 1,648 |
| Return on assets (ROA) | 1.1634% | 1,656 |
| Pretax return on assets | 1.4926% | 1,465 |
| Return on Equity (ROE) | 13.2828% | 1,128 |
| Retained earnings to average equity (ytd only) | 13.2828% | 299 |
| Net charge-offs to loans | 0.1203% | 4,959 |
| Credit loss provision to net charge-offs | 340.3509% | 1,363 |
| Earnings coverage of net charge-offs (x) | 22.1579% | 1,237 |
| Efficiency ratio | 60.4261% | 6,476 |
| Assets per employee ($millions) | 5.3933% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 6,799 |
| Loan loss allowance to noncurrent loans | 1,637.6147% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 7,013 |
| Noncurrent loans to loans | 0.0547% | 7,395 |
| Net loans and leases to total assets | 65.4413% | 4,675 |
| Net loans and leases to deposits | 83.5388% | 3,961 |
| Net loans and leases to core deposits | 114.0892% | 2,899 |
| Total domestic deposits to total assets | 78.3363% | 5,987 |
| Equity capital to assets | 8.7825% | 5,622 |
| Core capital (leverage) ratio | 9.0014% | 4,629 |
| Tier 1 risk-based capital ratio | 11.5858% | 5,297 |
| Total risk-based capital ratio | 12.3641% | 5,681 |
| Memoranda: | ||
| Average total assets | $293,447,670 | 2,297 |
| Average earning assets | $263,853,330 | 2,312 |
| Average equity | $25,702,330 | 2,583 |
| Average total loans | $189,488,670 | 2,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5626% | 4,565 |
| Cost of funding earning assets | 1.6808% | 5,688 |
| Net interest margin | 3.8818% | 3,127 |
| Noninterest income to average assets | 0.9213% | 1,772 |
| Noninterest expense to average assets | 2.6421% | 5,255 |
| Loan and lease loss provision to assets | 0.2850% | 3,681 |
| Net operating income to assets | 1.1038% | 1,949 |
| Return on assets (ROA) | 1.1468% | 1,938 |
| Pretax return on assets | 1.5410% | 1,559 |
| Return on Equity (ROE) | 13.1114% | 1,362 |
| Retained earnings to average equity (ytd only) | 13.1114% | 624 |
| Net charge-offs to loans | 0.2883% | 2,965 |
| Credit loss provision to net charge-offs | 154.8872% | 2,705 |
| Earnings coverage of net charge-offs (x) | 9.6090% | 2,039 |
| Efficiency ratio | 59.9122% | 6,420 |
| Assets per employee ($millions) | 5.3716% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,966 |
| Loan loss allowance to noncurrent loans | 9,900.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 7,003 |
| Noncurrent loans to loans | 0.0086% | 7,545 |
| Net loans and leases to total assets | 63.6742% | 5,045 |
| Net loans and leases to deposits | 81.4707% | 4,376 |
| Net loans and leases to core deposits | 110.9530% | 3,316 |
| Total domestic deposits to total assets | 78.1559% | 5,955 |
| Equity capital to assets | 8.8755% | 5,516 |
| Core capital (leverage) ratio | 8.8604% | 4,904 |
| Tier 1 risk-based capital ratio | 11.5537% | 5,354 |
| Total risk-based capital ratio | 12.2660% | 5,790 |
| Memoranda: | ||
| Average total assets | $289,160,500 | 2,339 |
| Average earning assets | $259,879,500 | 2,367 |
| Average equity | $25,291,000 | 2,620 |
| Average total loans | $184,517,000 | 2,538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5827% | 2,564 |
| Cost of funding earning assets | 2.3749% | 4,834 |
| Net interest margin | 4.2077% | 2,285 |
| Noninterest income to average assets | 0.7093% | 3,060 |
| Noninterest expense to average assets | 2.6048% | 5,633 |
| Loan and lease loss provision to assets | 0.1870% | 5,018 |
| Net operating income to assets | 1.2117% | 1,739 |
| Return on assets (ROA) | 1.2035% | 1,694 |
| Pretax return on assets | 1.6267% | 1,321 |
| Return on Equity (ROE) | 14.2432% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.0499% | 1,135 |
| Net charge-offs to loans | 0.3067% | 3,351 |
| Credit loss provision to net charge-offs | 100.1855% | 5,286 |
| Earnings coverage of net charge-offs (x) | 9.7755% | 2,637 |
| Efficiency ratio | 58.8038% | 6,556 |
| Assets per employee ($millions) | 5.3380% | 1,596 |
| Cash dividends to net income (ytd only)* | 50.5036% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 6,995 |
| Loan loss allowance to noncurrent loans | 247.2995% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,724 |
| Noncurrent loans to loans | 0.3343% | 6,380 |
| Net loans and leases to total assets | 62.8755% | 5,478 |
| Net loans and leases to deposits | 83.6866% | 4,470 |
| Net loans and leases to core deposits | 116.4086% | 3,077 |
| Total domestic deposits to total assets | 75.1322% | 6,420 |
| Equity capital to assets | 8.6164% | 5,906 |
| Core capital (leverage) ratio | 8.5544% | 5,474 |
| Tier 1 risk-based capital ratio | 12.0766% | 4,763 |
| Total risk-based capital ratio | 12.8105% | 5,076 |
| Memoranda: | ||
| Average total assets | $288,735,800 | 2,263 |
| Average earning assets | $255,291,200 | 2,323 |
| Average equity | $24,397,600 | 2,700 |
| Average total loans | $175,745,200 | 2,555 |