Home > North American Banking Company > Performance and Condition Ratios
North American Banking Company, 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 | 4.3239% | 3,402 |
| Cost of funding earning assets | 2.7894% | 214 |
| Net interest margin | 1.5345% | 4,502 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 1.7496% | 4,066 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.5830% | 3,482 |
| Return on assets (ROA) | 0.5830% | 3,479 |
| Pretax return on assets | 0.5830% | 3,667 |
| Return on Equity (ROE) | 21.6700% | 481 |
| Retained earnings to average equity (ytd only) | 16.9828% | 218 |
| Net charge-offs to loans | 0.0793% | 1,071 |
| Credit loss provision to net charge-offs | 276.4023% | 1,010 |
| Earnings coverage of net charge-offs (x) | 17.8337% | 1,959 |
| Efficiency ratio | 70.1493% | 1,856 |
| Assets per employee ($millions) | 14.8615% | 223 |
| Cash dividends to net income (ytd only)* | 21.6205% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 1,838 |
| Loan loss allowance to noncurrent loans | 128.1539% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 948 |
| Noncurrent loans to loans | 1.0035% | 736 |
| Net loans and leases to total assets | 51.8000% | 3,490 |
| Net loans and leases to deposits | 58.8983% | 3,587 |
| Net loans and leases to core deposits | 63.4202% | 3,616 |
| Total domestic deposits to total assets | 87.9500% | 1,376 |
| Equity capital to assets | 4.0224% | 4,497 |
| Core capital (leverage) ratio | 8.3125% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1379% | 1,823 |
| Memoranda: | ||
| Average total assets | $1,238,403,200 | 836 |
| Average earning assets | $1,144,891,600 | 827 |
| Average equity | $33,322,000 | 2,125 |
| Average total loans | $652,030,200 | 1,026 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 3,326 |
| Cost of funding earning assets | 2.6338% | 222 |
| Net interest margin | 1.6464% | 4,506 |
| Noninterest income to average assets | 1.1000% | 555 |
| Noninterest expense to average assets | 1.7420% | 4,063 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.7067% | 3,310 |
| Return on assets (ROA) | 0.7067% | 3,289 |
| Pretax return on assets | 0.7067% | 3,535 |
| Return on Equity (ROE) | 30.2100% | 221 |
| Retained earnings to average equity (ytd only) | 22.9471% | 168 |
| Net charge-offs to loans | 0.0987% | 792 |
| Credit loss provision to net charge-offs | 223.2218% | 1,049 |
| Earnings coverage of net charge-offs (x) | 16.9289% | 1,915 |
| Efficiency ratio | 66.4149% | 2,230 |
| Assets per employee ($millions) | 13.4482% | 275 |
| Cash dividends to net income (ytd only)* | 24.0450% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,091 |
| Loan loss allowance to noncurrent loans | 123.3377% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 949 |
| Noncurrent loans to loans | 1.0156% | 795 |
| Net loans and leases to total assets | 54.1300% | 3,351 |
| Net loans and leases to deposits | 62.3455% | 3,381 |
| Net loans and leases to core deposits | 66.2329% | 3,415 |
| Total domestic deposits to total assets | 86.8200% | 1,944 |
| Equity capital to assets | 2.7060% | 4,510 |
| Core capital (leverage) ratio | 8.3649% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0436% | 1,879 |
| Memoranda: | ||
| Average total assets | $1,224,766,750 | 845 |
| Average earning assets | $1,129,206,750 | 836 |
| Average equity | $28,650,750 | 2,313 |
| Average total loans | $645,409,750 | 1,032 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,323 |
| Cost of funding earning assets | 2.4064% | 225 |
| Net interest margin | 1.7797% | 4,544 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 1.7279% | 4,112 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.8538% | 2,911 |
| Return on assets (ROA) | 0.8538% | 2,913 |
| Pretax return on assets | 0.8538% | 3,276 |
| Return on Equity (ROE) | 38.5100% | 117 |
| Retained earnings to average equity (ytd only) | 27.0150% | 96 |
| Net charge-offs to loans | 0.1137% | 625 |
| Credit loss provision to net charge-offs | 240.8840% | 972 |
| Earnings coverage of net charge-offs (x) | 17.2099% | 1,807 |
| Efficiency ratio | 62.9475% | 2,600 |
| Assets per employee ($millions) | 13.3513% | 275 |
| Cash dividends to net income (ytd only)* | 29.8470% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,125 |
| Loan loss allowance to noncurrent loans | 118.1883% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 842 |
| Noncurrent loans to loans | 1.0666% | 688 |
| Net loans and leases to total assets | 53.0800% | 3,337 |
| Net loans and leases to deposits | 64.2149% | 3,176 |
| Net loans and leases to core deposits | 68.0886% | 3,229 |
| Total domestic deposits to total assets | 82.6600% | 3,113 |
| Equity capital to assets | 3.1603% | 4,560 |
| Core capital (leverage) ratio | 8.3250% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9645% | 1,911 |
| Memoranda: | ||
| Average total assets | $1,225,094,667 | 831 |
| Average earning assets | $1,129,173,333 | 829 |
| Average equity | $27,162,667 | 2,405 |
| Average total loans | $636,944,333 | 1,026 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,347 |
| Cost of funding earning assets | 2.2582% | 169 |
| Net interest margin | 1.8025% | 4,605 |
| Noninterest income to average assets | 1.1100% | 490 |
| Noninterest expense to average assets | 1.7429% | 4,132 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.9040% | 2,841 |
| Return on assets (ROA) | 0.9040% | 2,800 |
| Pretax return on assets | 0.9040% | 3,228 |
| Return on Equity (ROE) | 51.8400% | 70 |
| Retained earnings to average equity (ytd only) | 22.5732% | 268 |
| Net charge-offs to loans | 0.2054% | 355 |
| Credit loss provision to net charge-offs | 117.7570% | 1,039 |
| Earnings coverage of net charge-offs (x) | 9.8598% | 1,674 |
| Efficiency ratio | 62.7472% | 2,603 |
| Assets per employee ($millions) | 13.9141% | 250 |
| Cash dividends to net income (ytd only)* | 56.4557% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,179 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.3800% | 3,392 |
| Net loans and leases to deposits | 55.4104% | 3,606 |
| Net loans and leases to core deposits | 59.5805% | 3,559 |
| Total domestic deposits to total assets | 92.7200% | 351 |
| Equity capital to assets | 2.2003% | 4,629 |
| Core capital (leverage) ratio | 7.0306% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3043% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,223,482,000 | 853 |
| Average earning assets | $1,129,570,500 | 845 |
| Average equity | $21,335,000 | 2,769 |
| Average total loans | $625,264,500 | 1,050 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,454 |
| Cost of funding earning assets | 1.0797% | 122 |
| Net interest margin | 2.2793% | 4,440 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 1.7725% | 4,060 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3627% | 1,234 |
| Return on assets (ROA) | 1.3629% | 1,190 |
| Pretax return on assets | 1.3629% | 1,890 |
| Return on Equity (ROE) | 45.1400% | 38 |
| Retained earnings to average equity (ytd only) | 25.7988% | 41 |
| Net charge-offs to loans | 0.0420% | 1,280 |
| Credit loss provision to net charge-offs | 738.3260% | 527 |
| Earnings coverage of net charge-offs (x) | 72.3436% | 1,141 |
| Efficiency ratio | 53.8734% | 3,805 |
| Assets per employee ($millions) | 13.4343% | 276 |
| Cash dividends to net income (ytd only)* | 42.8533% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,209 |
| Loan loss allowance to noncurrent loans | 2,549.3289% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 2,958 |
| Noncurrent loans to loans | 0.0486% | 3,407 |
| Net loans and leases to total assets | 49.5700% | 3,533 |
| Net loans and leases to deposits | 54.5156% | 3,649 |
| Net loans and leases to core deposits | 57.2716% | 3,657 |
| Total domestic deposits to total assets | 90.9300% | 985 |
| Equity capital to assets | 1.2866% | 4,673 |
| Core capital (leverage) ratio | 7.7350% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5572% | 2,546 |
| Memoranda: | ||
| Average total assets | $1,082,105,400 | 916 |
| Average earning assets | $1,005,432,200 | 903 |
| Average equity | $32,668,200 | 2,211 |
| Average total loans | $540,855,800 | 1,113 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2083% | 3,413 |
| Cost of funding earning assets | 0.7905% | 161 |
| Net interest margin | 2.4177% | 4,302 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 1.7383% | 4,094 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.5772% | 694 |
| Return on assets (ROA) | 1.5774% | 672 |
| Pretax return on assets | 1.5774% | 1,181 |
| Return on Equity (ROE) | 44.7500% | 37 |
| Retained earnings to average equity (ytd only) | 21.9200% | 65 |
| Net charge-offs to loans | 0.0115% | 1,689 |
| Credit loss provision to net charge-offs | 2,000.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 295.2222% | 477 |
| Efficiency ratio | 50.6776% | 4,117 |
| Assets per employee ($millions) | 13.4415% | 277 |
| Cash dividends to net income (ytd only)* | 51.0212% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,346 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 3,231 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.1700% | 3,441 |
| Net loans and leases to deposits | 55.9089% | 3,485 |
| Net loans and leases to core deposits | 59.1190% | 3,445 |
| Total domestic deposits to total assets | 89.7400% | 1,766 |
| Equity capital to assets | 0.9987% | 4,697 |
| Core capital (leverage) ratio | 7.8461% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8406% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,047,001,500 | 946 |
| Average earning assets | $974,998,000 | 931 |
| Average equity | $36,903,000 | 2,072 |
| Average total loans | $522,671,500 | 1,138 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0009% | 3,559 |
| Cost of funding earning assets | 0.6090% | 254 |
| Net interest margin | 2.3919% | 4,236 |
| Noninterest income to average assets | 1.1475% | 511 |
| Noninterest expense to average assets | 1.7478% | 4,056 |
| Loan and lease loss provision to assets | 0.1172% | 857 |
| Net operating income to assets | 1.5178% | 681 |
| Return on assets (ROA) | 1.5178% | 658 |
| Pretax return on assets | 1.5178% | 1,132 |
| Return on Equity (ROE) | 34.1701% | 42 |
| Retained earnings to average equity (ytd only) | 18.1007% | 111 |
| Net charge-offs to loans | 0.0658% | 760 |
| Credit loss provision to net charge-offs | 359.2814% | 738 |
| Earnings coverage of net charge-offs (x) | 50.1317% | 1,157 |
| Efficiency ratio | 51.6684% | 4,153 |
| Assets per employee ($millions) | 12.1002% | 370 |
| Cash dividends to net income (ytd only)* | 47.0278% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,293 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.8964% | 3,563 |
| Net loans and leases to deposits | 54.7936% | 3,486 |
| Net loans and leases to core deposits | 59.3852% | 3,313 |
| Total domestic deposits to total assets | 87.4125% | 2,794 |
| Equity capital to assets | 2.7372% | 4,704 |
| Core capital (leverage) ratio | 7.8624% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6004% | 2,251 |
| Memoranda: | ||
| Average total assets | $1,024,119,667 | 955 |
| Average earning assets | $957,048,000 | 952 |
| Average equity | $45,490,000 | 1,814 |
| Average total loans | $507,972,333 | 1,153 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8101% | 3,725 |
| Cost of funding earning assets | 0.5302% | 421 |
| Net interest margin | 2.2799% | 4,265 |
| Noninterest income to average assets | 1.1691% | 504 |
| Noninterest expense to average assets | 1.7805% | 3,987 |
| Loan and lease loss provision to assets | 0.1203% | 692 |
| Net operating income to assets | 1.4076% | 784 |
| Return on assets (ROA) | 1.4076% | 779 |
| Pretax return on assets | 1.4076% | 1,232 |
| Return on Equity (ROE) | 26.2522% | 82 |
| Retained earnings to average equity (ytd only) | 15.0141% | 286 |
| Net charge-offs to loans | -0.0008% | 2,999 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8173% | 4,067 |
| Assets per employee ($millions) | 12.4427% | 353 |
| Cash dividends to net income (ytd only)* | 42.8083% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,412 |
| Loan loss allowance to noncurrent loans | 1,015.5906% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,878 |
| Noncurrent loans to loans | 0.1271% | 3,182 |
| Net loans and leases to total assets | 47.1990% | 3,468 |
| Net loans and leases to deposits | 49.4730% | 3,771 |
| Net loans and leases to core deposits | 51.9710% | 3,737 |
| Total domestic deposits to total assets | 95.4034% | 23 |
| Equity capital to assets | 4.3445% | 4,765 |
| Core capital (leverage) ratio | 7.7476% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0857% | 2,170 |
| Memoranda: | ||
| Average total assets | $997,722,000 | 985 |
| Average earning assets | $936,194,500 | 974 |
| Average equity | $53,496,500 | 1,637 |
| Average total loans | $500,766,000 | 1,162 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 3,815 |
| Cost of funding earning assets | 0.5655% | 649 |
| Net interest margin | 2.4650% | 4,238 |
| Noninterest income to average assets | 1.1879% | 752 |
| Noninterest expense to average assets | 1.8466% | 4,054 |
| Loan and lease loss provision to assets | 0.0222% | 2,628 |
| Net operating income to assets | 1.6219% | 756 |
| Return on assets (ROA) | 1.6727% | 706 |
| Pretax return on assets | 1.6727% | 1,210 |
| Return on Equity (ROE) | 24.2673% | 138 |
| Retained earnings to average equity (ytd only) | 13.5799% | 344 |
| Net charge-offs to loans | 0.0307% | 1,623 |
| Credit loss provision to net charge-offs | 131.5789% | 1,568 |
| Earnings coverage of net charge-offs (x) | 97.6579% | 892 |
| Efficiency ratio | 52.9001% | 4,046 |
| Assets per employee ($millions) | 11.8782% | 410 |
| Cash dividends to net income (ytd only)* | 44.0405% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,410 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.1562% | 3,044 |
| Net loans and leases to deposits | 55.9468% | 3,420 |
| Net loans and leases to core deposits | 58.8847% | 3,397 |
| Total domestic deposits to total assets | 93.2246% | 36 |
| Equity capital to assets | 6.4809% | 4,795 |
| Core capital (leverage) ratio | 7.3114% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8625% | 2,683 |
| Memoranda: | ||
| Average total assets | $902,869,600 | 1,043 |
| Average earning assets | $843,460,600 | 1,041 |
| Average equity | $62,231,800 | 1,470 |
| Average total loans | $494,741,000 | 1,179 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0436% | 3,920 |
| Cost of funding earning assets | 0.5556% | 806 |
| Net interest margin | 2.4880% | 4,299 |
| Noninterest income to average assets | 1.1477% | 863 |
| Noninterest expense to average assets | 1.7407% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7262% | 781 |
| Return on assets (ROA) | 1.7919% | 709 |
| Pretax return on assets | 1.7919% | 1,179 |
| Return on Equity (ROE) | 25.5896% | 161 |
| Retained earnings to average equity (ytd only) | 11.3770% | 976 |
| Net charge-offs to loans | 0.0046% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 678.5882% | 236 |
| Efficiency ratio | 50.2093% | 4,204 |
| Assets per employee ($millions) | 11.4470% | 434 |
| Cash dividends to net income (ytd only)* | 55.5407% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,565 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.8269% | 3,106 |
| Net loans and leases to deposits | 56.8556% | 3,501 |
| Net loans and leases to core deposits | 59.9106% | 3,474 |
| Total domestic deposits to total assets | 92.9142% | 36 |
| Equity capital to assets | 6.8788% | 4,834 |
| Core capital (leverage) ratio | 7.3862% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0145% | 2,702 |
| Memoranda: | ||
| Average total assets | $891,022,500 | 1,067 |
| Average earning assets | $830,580,250 | 1,067 |
| Average equity | $62,393,500 | 1,485 |
| Average total loans | $492,984,750 | 1,198 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1031% | 3,859 |
| Cost of funding earning assets | 0.5410% | 985 |
| Net interest margin | 2.5620% | 4,230 |
| Noninterest income to average assets | 1.1312% | 884 |
| Noninterest expense to average assets | 1.7051% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8143% | 695 |
| Return on assets (ROA) | 1.9137% | 602 |
| Pretax return on assets | 1.9137% | 990 |
| Return on Equity (ROE) | 27.1635% | 144 |
| Retained earnings to average equity (ytd only) | 11.5800% | 998 |
| Net charge-offs to loans | 0.0093% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 348.1739% | 336 |
| Efficiency ratio | 48.4486% | 4,356 |
| Assets per employee ($millions) | 11.3194% | 420 |
| Cash dividends to net income (ytd only)* | 57.3695% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,643 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.3382% | 2,862 |
| Net loans and leases to deposits | 60.7462% | 3,323 |
| Net loans and leases to core deposits | 64.0709% | 3,281 |
| Total domestic deposits to total assets | 92.7436% | 52 |
| Equity capital to assets | 7.0830% | 4,830 |
| Core capital (leverage) ratio | 7.2489% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2735% | 2,619 |
| Memoranda: | ||
| Average total assets | $882,776,333 | 1,070 |
| Average earning assets | $822,859,667 | 1,064 |
| Average equity | $62,193,667 | 1,480 |
| Average total loans | $494,029,333 | 1,199 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 3,469 |
| Cost of funding earning assets | 0.5275% | 1,220 |
| Net interest margin | 2.7635% | 3,841 |
| Noninterest income to average assets | 1.1837% | 871 |
| Noninterest expense to average assets | 1.6214% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1333% | 460 |
| Return on assets (ROA) | 2.2900% | 391 |
| Pretax return on assets | 2.2900% | 596 |
| Return on Equity (ROE) | 32.5906% | 102 |
| Retained earnings to average equity (ytd only) | 22.1969% | 197 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1826% | 4,620 |
| Assets per employee ($millions) | 11.5743% | 379 |
| Cash dividends to net income (ytd only)* | 31.8915% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,800 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.2185% | 3,219 |
| Net loans and leases to deposits | 58.2131% | 3,630 |
| Net loans and leases to core deposits | 61.4724% | 3,611 |
| Total domestic deposits to total assets | 93.1380% | 26 |
| Equity capital to assets | 6.7076% | 4,888 |
| Core capital (leverage) ratio | 7.6208% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9881% | 2,294 |
| Memoranda: | ||
| Average total assets | $888,369,000 | 1,048 |
| Average earning assets | $826,501,500 | 1,051 |
| Average equity | $62,423,000 | 1,468 |
| Average total loans | $492,486,000 | 1,198 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 3,216 |
| Cost of funding earning assets | 0.6783% | 1,830 |
| Net interest margin | 3.1510% | 3,494 |
| Noninterest income to average assets | 1.2731% | 701 |
| Noninterest expense to average assets | 2.0484% | 4,039 |
| Loan and lease loss provision to assets | 0.2367% | 1,642 |
| Net operating income to assets | 1.8676% | 339 |
| Return on assets (ROA) | 1.9989% | 280 |
| Pretax return on assets | 1.9989% | 456 |
| Return on Equity (ROE) | 25.0420% | 109 |
| Retained earnings to average equity (ytd only) | 14.7266% | 165 |
| Net charge-offs to loans | 0.0033% | 3,257 |
| Credit loss provision to net charge-offs | 11,800.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,049.0000% | 112 |
| Efficiency ratio | 49.3269% | 4,572 |
| Assets per employee ($millions) | 10.5294% | 450 |
| Cash dividends to net income (ytd only)* | 41.1922% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 3,908 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.3000% | 3,364 |
| Net loans and leases to deposits | 59.8204% | 3,777 |
| Net loans and leases to core deposits | 63.2757% | 3,750 |
| Total domestic deposits to total assets | 92.4433% | 39 |
| Equity capital to assets | 7.3563% | 4,866 |
| Core capital (leverage) ratio | 8.1499% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8368% | 2,304 |
| Memoranda: | ||
| Average total assets | $747,766,400 | 1,110 |
| Average earning assets | $683,336,600 | 1,125 |
| Average equity | $59,687,800 | 1,449 |
| Average total loans | $448,196,400 | 1,231 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,618 |
| Cost of funding earning assets | 0.7221% | 1,890 |
| Net interest margin | 3.3991% | 2,925 |
| Noninterest income to average assets | 1.1979% | 742 |
| Noninterest expense to average assets | 2.0429% | 4,067 |
| Loan and lease loss provision to assets | 0.3295% | 1,182 |
| Net operating income to assets | 1.9241% | 350 |
| Return on assets (ROA) | 2.1062% | 258 |
| Pretax return on assets | 2.1062% | 409 |
| Return on Equity (ROE) | 25.7698% | 105 |
| Retained earnings to average equity (ytd only) | 11.7461% | 466 |
| Net charge-offs to loans | 0.0046% | 2,987 |
| Credit loss provision to net charge-offs | 11,800.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 807.0667% | 152 |
| Efficiency ratio | 47.5477% | 4,636 |
| Assets per employee ($millions) | 9.6805% | 564 |
| Cash dividends to net income (ytd only)* | 54.4193% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,427 |
| Loan loss allowance to noncurrent loans | 2,046.9799% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 3,714 |
| Noncurrent loans to loans | 0.0608% | 4,129 |
| Net loans and leases to total assets | 65.8450% | 2,541 |
| Net loans and leases to deposits | 71.9322% | 3,137 |
| Net loans and leases to core deposits | 75.8091% | 3,183 |
| Total domestic deposits to total assets | 91.5375% | 97 |
| Equity capital to assets | 8.3050% | 4,573 |
| Core capital (leverage) ratio | 7.8286% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2428% | 2,516 |
| Memoranda: | ||
| Average total assets | $716,222,750 | 1,139 |
| Average earning assets | $652,901,000 | 1,156 |
| Average equity | $58,537,250 | 1,464 |
| Average total loans | $437,898,250 | 1,250 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,010 |
| Cost of funding earning assets | 0.7472% | 2,143 |
| Net interest margin | 3.7205% | 2,094 |
| Noninterest income to average assets | 1.2467% | 651 |
| Noninterest expense to average assets | 2.0825% | 4,072 |
| Loan and lease loss provision to assets | 0.3438% | 1,239 |
| Net operating income to assets | 2.2034% | 220 |
| Return on assets (ROA) | 2.3742% | 181 |
| Pretax return on assets | 2.3742% | 263 |
| Return on Equity (ROE) | 29.2115% | 67 |
| Retained earnings to average equity (ytd only) | 13.3073% | 328 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9814% | 4,775 |
| Assets per employee ($millions) | 9.8582% | 517 |
| Cash dividends to net income (ytd only)* | 54.4451% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,727 |
| Loan loss allowance to noncurrent loans | 2,782.5000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 3,942 |
| Noncurrent loans to loans | 0.0417% | 4,313 |
| Net loans and leases to total assets | 60.0853% | 3,315 |
| Net loans and leases to deposits | 65.1319% | 3,795 |
| Net loans and leases to core deposits | 68.9131% | 3,793 |
| Total domestic deposits to total assets | 92.2517% | 36 |
| Equity capital to assets | 7.6169% | 4,853 |
| Core capital (leverage) ratio | 7.7306% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6776% | 2,326 |
| Memoranda: | ||
| Average total assets | $709,725,000 | 1,130 |
| Average earning assets | $645,341,000 | 1,146 |
| Average equity | $57,682,667 | 1,470 |
| Average total loans | $420,353,667 | 1,275 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,472 |
| Cost of funding earning assets | 0.8574% | 2,074 |
| Net interest margin | 3.2616% | 3,687 |
| Noninterest income to average assets | 1.4991% | 395 |
| Noninterest expense to average assets | 2.1621% | 4,094 |
| Loan and lease loss provision to assets | 0.3998% | 766 |
| Net operating income to assets | 1.9133% | 328 |
| Return on assets (ROA) | 1.9598% | 323 |
| Pretax return on assets | 1.9598% | 497 |
| Return on Equity (ROE) | 23.2543% | 92 |
| Retained earnings to average equity (ytd only) | 13.9427% | 259 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3131% | 4,741 |
| Assets per employee ($millions) | 8.4154% | 642 |
| Cash dividends to net income (ytd only)* | 40.0426% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,342 |
| Loan loss allowance to noncurrent loans | 352.4245% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 3,160 |
| Noncurrent loans to loans | 0.3574% | 3,216 |
| Net loans and leases to total assets | 58.3962% | 3,639 |
| Net loans and leases to deposits | 63.9649% | 3,987 |
| Net loans and leases to core deposits | 70.6528% | 3,838 |
| Total domestic deposits to total assets | 91.2941% | 80 |
| Equity capital to assets | 8.5159% | 4,824 |
| Core capital (leverage) ratio | 8.7117% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6668% | 2,411 |
| Memoranda: | ||
| Average total assets | $670,261,500 | 1,158 |
| Average earning assets | $611,602,500 | 1,165 |
| Average equity | $56,488,500 | 1,492 |
| Average total loans | $390,816,000 | 1,318 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 2,754 |
| Cost of funding earning assets | 0.9400% | 2,007 |
| Net interest margin | 3.6179% | 3,086 |
| Noninterest income to average assets | 1.2868% | 569 |
| Noninterest expense to average assets | 2.3304% | 3,869 |
| Loan and lease loss provision to assets | 0.1027% | 2,013 |
| Net operating income to assets | 2.1459% | 249 |
| Return on assets (ROA) | 2.1591% | 253 |
| Pretax return on assets | 2.1591% | 415 |
| Return on Equity (ROE) | 24.2334% | 91 |
| Retained earnings to average equity (ytd only) | 8.7346% | 780 |
| Net charge-offs to loans | 0.1054% | 1,674 |
| Credit loss provision to net charge-offs | 153.8462% | 1,657 |
| Earnings coverage of net charge-offs (x) | 33.6949% | 1,467 |
| Efficiency ratio | 50.8931% | 4,679 |
| Assets per employee ($millions) | 8.5550% | 583 |
| Cash dividends to net income (ytd only)* | 63.9563% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 2,773 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 2,775 |
| Noncurrent loans to loans | 0.5150% | 2,639 |
| Net loans and leases to total assets | 56.8163% | 3,865 |
| Net loans and leases to deposits | 62.1383% | 4,186 |
| Net loans and leases to core deposits | 68.8132% | 4,038 |
| Total domestic deposits to total assets | 91.4352% | 71 |
| Equity capital to assets | 8.3390% | 4,973 |
| Core capital (leverage) ratio | 9.0002% | 4,531 |
| Tier 1 risk-based capital ratio | 12.5457% | 4,047 |
| Total risk-based capital ratio | 13.5400% | 4,059 |
| Memoranda: | ||
| Average total assets | $584,412,000 | 1,244 |
| Average earning assets | $531,796,200 | 1,268 |
| Average equity | $52,068,600 | 1,540 |
| Average total loans | $369,904,800 | 1,356 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 2,339 |
| Cost of funding earning assets | 0.9629% | 1,922 |
| Net interest margin | 3.7632% | 2,708 |
| Noninterest income to average assets | 1.3035% | 547 |
| Noninterest expense to average assets | 2.3225% | 3,890 |
| Loan and lease loss provision to assets | 0.1064% | 1,817 |
| Net operating income to assets | 2.2818% | 231 |
| Return on assets (ROA) | 2.3000% | 230 |
| Pretax return on assets | 2.3000% | 369 |
| Return on Equity (ROE) | 25.3349% | 85 |
| Retained earnings to average equity (ytd only) | 10.1715% | 712 |
| Net charge-offs to loans | 0.1419% | 1,142 |
| Credit loss provision to net charge-offs | 115.3846% | 2,018 |
| Earnings coverage of net charge-offs (x) | 25.8896% | 1,758 |
| Efficiency ratio | 49.3021% | 4,785 |
| Assets per employee ($millions) | 8.1745% | 650 |
| Cash dividends to net income (ytd only)* | 59.8519% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,108 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.9780% | 3,390 |
| Net loans and leases to deposits | 69.5138% | 3,798 |
| Net loans and leases to core deposits | 76.4469% | 3,668 |
| Total domestic deposits to total assets | 90.5978% | 153 |
| Equity capital to assets | 9.2188% | 4,654 |
| Core capital (leverage) ratio | 9.5325% | 4,134 |
| Tier 1 risk-based capital ratio | 12.4863% | 4,151 |
| Total risk-based capital ratio | 13.4530% | 4,191 |
| Memoranda: | ||
| Average total assets | $563,692,750 | 1,289 |
| Average earning assets | $510,364,750 | 1,314 |
| Average equity | $51,174,500 | 1,568 |
| Average total loans | $366,512,500 | 1,376 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 2,460 |
| Cost of funding earning assets | 0.9428% | 1,951 |
| Net interest margin | 3.7249% | 2,860 |
| Noninterest income to average assets | 1.2322% | 567 |
| Noninterest expense to average assets | 2.3620% | 3,845 |
| Loan and lease loss provision to assets | 0.1086% | 1,727 |
| Net operating income to assets | 2.1329% | 303 |
| Return on assets (ROA) | 2.1430% | 312 |
| Pretax return on assets | 2.1430% | 504 |
| Return on Equity (ROE) | 23.7377% | 125 |
| Retained earnings to average equity (ytd only) | 6.8103% | 1,895 |
| Net charge-offs to loans | 0.2591% | 645 |
| Credit loss provision to net charge-offs | 63.9659% | 2,374 |
| Earnings coverage of net charge-offs (x) | 13.2068% | 2,115 |
| Efficiency ratio | 51.3089% | 4,703 |
| Assets per employee ($millions) | 7.4659% | 830 |
| Cash dividends to net income (ytd only)* | 71.3104% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,204 |
| Loan loss allowance to noncurrent loans | 4,558.6207% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 3,996 |
| Noncurrent loans to loans | 0.0236% | 4,606 |
| Net loans and leases to total assets | 67.7745% | 2,850 |
| Net loans and leases to deposits | 75.2327% | 3,400 |
| Net loans and leases to core deposits | 81.8266% | 3,277 |
| Total domestic deposits to total assets | 90.0866% | 309 |
| Equity capital to assets | 9.7380% | 4,201 |
| Core capital (leverage) ratio | 9.5795% | 4,067 |
| Tier 1 risk-based capital ratio | 12.1588% | 4,323 |
| Total risk-based capital ratio | 13.0865% | 4,392 |
| Memoranda: | ||
| Average total assets | $552,678,670 | 1,309 |
| Average earning assets | $500,207,000 | 1,332 |
| Average equity | $49,895,330 | 1,594 |
| Average total loans | $362,014,330 | 1,392 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 2,917 |
| Cost of funding earning assets | 0.9161% | 1,935 |
| Net interest margin | 3.5700% | 3,364 |
| Noninterest income to average assets | 1.2138% | 552 |
| Noninterest expense to average assets | 2.3397% | 3,927 |
| Loan and lease loss provision to assets | 0.1785% | 935 |
| Net operating income to assets | 1.9370% | 431 |
| Return on assets (ROA) | 1.9484% | 435 |
| Pretax return on assets | 1.9484% | 703 |
| Return on Equity (ROE) | 22.4286% | 164 |
| Retained earnings to average equity (ytd only) | 8.6378% | 1,435 |
| Net charge-offs to loans | 0.4313% | 354 |
| Credit loss provision to net charge-offs | 64.5995% | 1,889 |
| Earnings coverage of net charge-offs (x) | 7.6563% | 2,119 |
| Efficiency ratio | 52.5160% | 4,658 |
| Assets per employee ($millions) | 7.5759% | 788 |
| Cash dividends to net income (ytd only)* | 61.4877% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,051 |
| Loan loss allowance to noncurrent loans | 1,979.7030% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,948 |
| Noncurrent loans to loans | 0.0562% | 4,515 |
| Net loans and leases to total assets | 66.0653% | 3,042 |
| Net loans and leases to deposits | 73.0420% | 3,528 |
| Net loans and leases to core deposits | 78.6373% | 3,474 |
| Total domestic deposits to total assets | 90.4484% | 304 |
| Equity capital to assets | 9.3449% | 4,392 |
| Core capital (leverage) ratio | 9.6625% | 3,956 |
| Tier 1 risk-based capital ratio | 12.4220% | 4,222 |
| Total risk-based capital ratio | 13.3898% | 4,268 |
| Memoranda: | ||
| Average total assets | $560,246,000 | 1,298 |
| Average earning assets | $508,682,500 | 1,321 |
| Average equity | $48,670,000 | 1,614 |
| Average total loans | $358,879,500 | 1,408 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 2,965 |
| Cost of funding earning assets | 0.8279% | 1,408 |
| Net interest margin | 3.5121% | 3,662 |
| Noninterest income to average assets | 1.1740% | 674 |
| Noninterest expense to average assets | 2.2982% | 4,128 |
| Loan and lease loss provision to assets | 0.1392% | 1,543 |
| Net operating income to assets | 1.9187% | 425 |
| Return on assets (ROA) | 1.9187% | 421 |
| Pretax return on assets | 1.9187% | 682 |
| Return on Equity (ROE) | 22.8064% | 134 |
| Retained earnings to average equity (ytd only) | 12.6738% | 266 |
| Net charge-offs to loans | -0.0105% | 4,503 |
| Credit loss provision to net charge-offs | -2,074.2857% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7576% | 4,737 |
| Assets per employee ($millions) | 8.5677% | 539 |
| Cash dividends to net income (ytd only)* | 44.4289% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,805 |
| Loan loss allowance to noncurrent loans | 324.1379% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 3,729 |
| Noncurrent loans to loans | 0.3560% | 3,265 |
| Net loans and leases to total assets | 60.8074% | 3,686 |
| Net loans and leases to deposits | 68.2374% | 3,961 |
| Net loans and leases to core deposits | 74.5654% | 3,815 |
| Total domestic deposits to total assets | 89.1116% | 816 |
| Equity capital to assets | 8.0801% | 5,131 |
| Core capital (leverage) ratio | 9.6135% | 3,991 |
| Tier 1 risk-based capital ratio | 12.3430% | 4,215 |
| Total risk-based capital ratio | 13.3583% | 4,248 |
| Memoranda: | ||
| Average total assets | $521,542,200 | 1,351 |
| Average earning assets | $472,539,000 | 1,377 |
| Average equity | $43,878,000 | 1,703 |
| Average total loans | $334,830,000 | 1,463 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,749 |
| Cost of funding earning assets | 0.8085% | 1,295 |
| Net interest margin | 3.5562% | 3,500 |
| Noninterest income to average assets | 1.1572% | 703 |
| Noninterest expense to average assets | 2.2907% | 4,120 |
| Loan and lease loss provision to assets | 0.1185% | 1,712 |
| Net operating income to assets | 1.9636% | 421 |
| Return on assets (ROA) | 1.9636% | 415 |
| Pretax return on assets | 1.9636% | 685 |
| Return on Equity (ROE) | 23.0765% | 128 |
| Retained earnings to average equity (ytd only) | 9.3160% | 1,111 |
| Net charge-offs to loans | 0.0142% | 2,918 |
| Credit loss provision to net charge-offs | 1,285.7143% | 314 |
| Earnings coverage of net charge-offs (x) | 225.8639% | 405 |
| Efficiency ratio | 52.3850% | 4,770 |
| Assets per employee ($millions) | 7.5871% | 741 |
| Cash dividends to net income (ytd only)* | 59.6298% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,324 |
| Loan loss allowance to noncurrent loans | 320.1014% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,798 |
| Noncurrent loans to loans | 0.3358% | 3,460 |
| Net loans and leases to total assets | 67.6077% | 2,998 |
| Net loans and leases to deposits | 77.2260% | 3,303 |
| Net loans and leases to core deposits | 84.8029% | 3,094 |
| Total domestic deposits to total assets | 87.5452% | 1,464 |
| Equity capital to assets | 8.4075% | 4,979 |
| Core capital (leverage) ratio | 9.3560% | 4,327 |
| Tier 1 risk-based capital ratio | 11.8267% | 4,587 |
| Total risk-based capital ratio | 12.7659% | 4,668 |
| Memoranda: | ||
| Average total assets | $506,277,000 | 1,399 |
| Average earning assets | $457,783,750 | 1,420 |
| Average equity | $43,078,750 | 1,736 |
| Average total loans | $328,937,000 | 1,481 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,025 |
| Cost of funding earning assets | 0.7483% | 1,372 |
| Net interest margin | 3.4791% | 3,704 |
| Noninterest income to average assets | 1.1299% | 750 |
| Noninterest expense to average assets | 2.2689% | 4,216 |
| Loan and lease loss provision to assets | 0.1193% | 1,661 |
| Net operating income to assets | 1.8896% | 479 |
| Return on assets (ROA) | 1.8896% | 473 |
| Pretax return on assets | 1.8896% | 789 |
| Return on Equity (ROE) | 22.1174% | 161 |
| Retained earnings to average equity (ytd only) | 6.9428% | 2,103 |
| Net charge-offs to loans | 0.0505% | 1,882 |
| Credit loss provision to net charge-offs | 370.3704% | 868 |
| Earnings coverage of net charge-offs (x) | 62.3827% | 969 |
| Efficiency ratio | 53.0390% | 4,777 |
| Assets per employee ($millions) | 7.9336% | 640 |
| Cash dividends to net income (ytd only)* | 68.6093% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,338 |
| Loan loss allowance to noncurrent loans | 281.2207% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,663 |
| Noncurrent loans to loans | 0.3868% | 3,311 |
| Net loans and leases to total assets | 63.3816% | 3,466 |
| Net loans and leases to deposits | 76.2510% | 3,302 |
| Net loans and leases to core deposits | 81.8990% | 3,251 |
| Total domestic deposits to total assets | 83.1223% | 3,380 |
| Equity capital to assets | 8.2669% | 5,098 |
| Core capital (leverage) ratio | 9.3614% | 4,289 |
| Tier 1 risk-based capital ratio | 11.8250% | 4,606 |
| Total risk-based capital ratio | 12.7447% | 4,690 |
| Memoranda: | ||
| Average total assets | $503,062,000 | 1,404 |
| Average earning assets | $455,178,330 | 1,434 |
| Average equity | $42,979,670 | 1,743 |
| Average total loans | $321,051,670 | 1,520 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 3,360 |
| Cost of funding earning assets | 0.7068% | 1,399 |
| Net interest margin | 3.3567% | 4,030 |
| Noninterest income to average assets | 1.1402% | 717 |
| Noninterest expense to average assets | 2.2820% | 4,225 |
| Loan and lease loss provision to assets | 0.1208% | 1,565 |
| Net operating income to assets | 1.7852% | 580 |
| Return on assets (ROA) | 1.7852% | 586 |
| Pretax return on assets | 1.7852% | 941 |
| Return on Equity (ROE) | 20.5497% | 218 |
| Retained earnings to average equity (ytd only) | 9.4638% | 1,312 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4895% | 4,750 |
| Assets per employee ($millions) | 7.5075% | 766 |
| Cash dividends to net income (ytd only)* | 53.9468% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,347 |
| Loan loss allowance to noncurrent loans | 270.3221% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 2,648 |
| Noncurrent loans to loans | 0.4086% | 3,315 |
| Net loans and leases to total assets | 64.6753% | 3,215 |
| Net loans and leases to deposits | 72.6693% | 3,542 |
| Net loans and leases to core deposits | 77.3761% | 3,545 |
| Total domestic deposits to total assets | 88.9995% | 1,087 |
| Equity capital to assets | 8.8084% | 4,734 |
| Core capital (leverage) ratio | 9.4309% | 4,145 |
| Tier 1 risk-based capital ratio | 12.0824% | 4,507 |
| Total risk-based capital ratio | 13.0135% | 4,584 |
| Memoranda: | ||
| Average total assets | $496,750,000 | 1,432 |
| Average earning assets | $451,041,500 | 1,457 |
| Average equity | $43,154,000 | 1,745 |
| Average total loans | $316,355,500 | 1,538 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 2,366 |
| Cost of funding earning assets | 0.7791% | 700 |
| Net interest margin | 3.5099% | 3,491 |
| Noninterest income to average assets | 1.1608% | 762 |
| Noninterest expense to average assets | 2.3913% | 4,100 |
| Loan and lease loss provision to assets | 0.1331% | 1,723 |
| Net operating income to assets | 1.8098% | 408 |
| Return on assets (ROA) | 1.8198% | 407 |
| Pretax return on assets | 1.8198% | 755 |
| Return on Equity (ROE) | 20.2036% | 189 |
| Retained earnings to average equity (ytd only) | 10.8270% | 261 |
| Net charge-offs to loans | 0.1080% | 1,991 |
| Credit loss provision to net charge-offs | 184.6154% | 1,470 |
| Earnings coverage of net charge-offs (x) | 26.9538% | 1,653 |
| Efficiency ratio | 55.1735% | 4,844 |
| Assets per employee ($millions) | 7.8986% | 660 |
| Cash dividends to net income (ytd only)* | 46.4107% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,472 |
| Loan loss allowance to noncurrent loans | 3,183.9623% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 3,670 |
| Noncurrent loans to loans | 0.0338% | 4,858 |
| Net loans and leases to total assets | 61.3642% | 3,694 |
| Net loans and leases to deposits | 68.7475% | 3,969 |
| Net loans and leases to core deposits | 73.9973% | 3,878 |
| Total domestic deposits to total assets | 89.2602% | 886 |
| Equity capital to assets | 8.5703% | 5,067 |
| Core capital (leverage) ratio | 9.3834% | 4,185 |
| Tier 1 risk-based capital ratio | 12.1294% | 4,441 |
| Total risk-based capital ratio | 13.0448% | 4,541 |
| Memoranda: | ||
| Average total assets | $450,876,600 | 1,543 |
| Average earning assets | $407,651,600 | 1,572 |
| Average equity | $40,611,600 | 1,833 |
| Average total loans | $301,065,000 | 1,563 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 1,957 |
| Cost of funding earning assets | 0.8054% | 561 |
| Net interest margin | 3.5975% | 3,162 |
| Noninterest income to average assets | 1.1573% | 761 |
| Noninterest expense to average assets | 2.4247% | 3,952 |
| Loan and lease loss provision to assets | 0.0915% | 2,246 |
| Net operating income to assets | 1.8846% | 397 |
| Return on assets (ROA) | 1.8983% | 397 |
| Pretax return on assets | 1.8983% | 688 |
| Return on Equity (ROE) | 20.7840% | 187 |
| Retained earnings to average equity (ytd only) | 8.0665% | 1,189 |
| Net charge-offs to loans | 0.0403% | 2,632 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 71.9982% | 873 |
| Efficiency ratio | 55.0967% | 4,839 |
| Assets per employee ($millions) | 7.1120% | 908 |
| Cash dividends to net income (ytd only)* | 61.1888% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,542 |
| Loan loss allowance to noncurrent loans | 41,375.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 3,842 |
| Noncurrent loans to loans | 0.0026% | 5,148 |
| Net loans and leases to total assets | 63.9598% | 3,404 |
| Net loans and leases to deposits | 73.3536% | 3,632 |
| Net loans and leases to core deposits | 79.4183% | 3,499 |
| Total domestic deposits to total assets | 87.1938% | 1,779 |
| Equity capital to assets | 8.9246% | 4,978 |
| Core capital (leverage) ratio | 9.1779% | 4,537 |
| Tier 1 risk-based capital ratio | 12.0298% | 4,589 |
| Total risk-based capital ratio | 12.9616% | 4,702 |
| Memoranda: | ||
| Average total assets | $437,217,500 | 1,598 |
| Average earning assets | $394,186,250 | 1,628 |
| Average equity | $39,933,500 | 1,875 |
| Average total loans | $297,936,500 | 1,590 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,028 |
| Cost of funding earning assets | 0.7892% | 552 |
| Net interest margin | 3.5430% | 3,245 |
| Noninterest income to average assets | 1.1395% | 774 |
| Noninterest expense to average assets | 2.5009% | 3,748 |
| Loan and lease loss provision to assets | 0.0938% | 2,112 |
| Net operating income to assets | 1.7341% | 521 |
| Return on assets (ROA) | 1.7341% | 530 |
| Pretax return on assets | 1.7341% | 977 |
| Return on Equity (ROE) | 18.8284% | 272 |
| Retained earnings to average equity (ytd only) | 5.0355% | 2,688 |
| Net charge-offs to loans | 0.0027% | 3,404 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 974.5000% | 71 |
| Efficiency ratio | 57.7727% | 4,626 |
| Assets per employee ($millions) | 6.6446% | 1,071 |
| Cash dividends to net income (ytd only)* | 73.2558% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,562 |
| Loan loss allowance to noncurrent loans | 102.3602% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 2,359 |
| Noncurrent loans to loans | 1.0789% | 1,818 |
| Net loans and leases to total assets | 66.3011% | 3,057 |
| Net loans and leases to deposits | 76.3188% | 3,305 |
| Net loans and leases to core deposits | 85.6835% | 2,909 |
| Total domestic deposits to total assets | 86.8739% | 2,000 |
| Equity capital to assets | 9.0480% | 4,856 |
| Core capital (leverage) ratio | 9.5307% | 4,103 |
| Tier 1 risk-based capital ratio | 11.8903% | 4,707 |
| Total risk-based capital ratio | 12.8390% | 4,788 |
| Memoranda: | ||
| Average total assets | $426,493,330 | 1,628 |
| Average earning assets | $383,916,000 | 1,668 |
| Average equity | $39,281,000 | 1,904 |
| Average total loans | $296,071,670 | 1,596 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 1,853 |
| Cost of funding earning assets | 0.7800% | 548 |
| Net interest margin | 3.5587% | 3,048 |
| Noninterest income to average assets | 1.0912% | 832 |
| Noninterest expense to average assets | 2.5516% | 3,652 |
| Loan and lease loss provision to assets | 0.0959% | 1,948 |
| Net operating income to assets | 1.6416% | 622 |
| Return on assets (ROA) | 1.6416% | 637 |
| Pretax return on assets | 1.6416% | 1,148 |
| Return on Equity (ROE) | 17.6581% | 362 |
| Retained earnings to average equity (ytd only) | 9.5201% | 918 |
| Net charge-offs to loans | -0.0014% | 3,979 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4903% | 4,530 |
| Assets per employee ($millions) | 6.4875% | 1,195 |
| Cash dividends to net income (ytd only)* | 46.0864% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,912 |
| Loan loss allowance to noncurrent loans | 158.7010% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 3,301 |
| Noncurrent loans to loans | 0.6699% | 2,837 |
| Net loans and leases to total assets | 70.6394% | 2,275 |
| Net loans and leases to deposits | 81.2999% | 2,590 |
| Net loans and leases to core deposits | 88.9977% | 2,452 |
| Total domestic deposits to total assets | 86.8874% | 2,273 |
| Equity capital to assets | 9.4006% | 4,389 |
| Core capital (leverage) ratio | 9.7146% | 3,855 |
| Tier 1 risk-based capital ratio | 11.7675% | 4,875 |
| Total risk-based capital ratio | 12.6809% | 4,971 |
| Memoranda: | ||
| Average total assets | $417,145,000 | 1,670 |
| Average earning assets | $374,857,000 | 1,713 |
| Average equity | $38,781,000 | 1,935 |
| Average total loans | $294,876,500 | 1,610 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 1,406 |
| Cost of funding earning assets | 0.7725% | 568 |
| Net interest margin | 3.7776% | 2,401 |
| Noninterest income to average assets | 0.9961% | 1,161 |
| Noninterest expense to average assets | 2.4222% | 4,236 |
| Loan and lease loss provision to assets | 0.0101% | 4,173 |
| Net operating income to assets | 1.8748% | 390 |
| Return on assets (ROA) | 1.9061% | 389 |
| Pretax return on assets | 2.0186% | 475 |
| Return on Equity (ROE) | 20.0792% | 208 |
| Retained earnings to average equity (ytd only) | 11.2525% | 282 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8304% | 5,167 |
| Assets per employee ($millions) | 6.6549% | 1,073 |
| Cash dividends to net income (ytd only)* | 43.9592% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,865 |
| Loan loss allowance to noncurrent loans | 556.5530% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,773 |
| Noncurrent loans to loans | 0.1930% | 4,469 |
| Net loans and leases to total assets | 69.2130% | 2,594 |
| Net loans and leases to deposits | 79.5669% | 2,934 |
| Net loans and leases to core deposits | 86.0396% | 2,845 |
| Total domestic deposits to total assets | 86.9872% | 2,152 |
| Equity capital to assets | 9.1907% | 4,591 |
| Core capital (leverage) ratio | 10.0363% | 3,441 |
| Tier 1 risk-based capital ratio | 11.9006% | 4,795 |
| Total risk-based capital ratio | 12.8155% | 4,918 |
| Memoranda: | ||
| Average total assets | $396,457,800 | 1,701 |
| Average earning assets | $359,086,800 | 1,727 |
| Average equity | $37,636,000 | 1,944 |
| Average total loans | $280,069,600 | 1,618 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,230 |
| Cost of funding earning assets | 0.7753% | 560 |
| Net interest margin | 3.8584% | 2,125 |
| Noninterest income to average assets | 0.9870% | 1,171 |
| Noninterest expense to average assets | 2.3783% | 4,337 |
| Loan and lease loss provision to assets | 0.0136% | 3,982 |
| Net operating income to assets | 1.9183% | 390 |
| Return on assets (ROA) | 1.9635% | 377 |
| Pretax return on assets | 2.1463% | 429 |
| Return on Equity (ROE) | 20.5116% | 216 |
| Retained earnings to average equity (ytd only) | 8.7207% | 900 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9861% | 5,313 |
| Assets per employee ($millions) | 6.0881% | 1,365 |
| Cash dividends to net income (ytd only)* | 57.4840% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,793 |
| Loan loss allowance to noncurrent loans | 4,428.5714% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,443 |
| Noncurrent loans to loans | 0.0250% | 5,282 |
| Net loans and leases to total assets | 72.2160% | 2,151 |
| Net loans and leases to deposits | 84.1750% | 2,463 |
| Net loans and leases to core deposits | 92.1241% | 2,365 |
| Total domestic deposits to total assets | 85.7927% | 2,453 |
| Equity capital to assets | 10.0903% | 4,044 |
| Core capital (leverage) ratio | 9.7317% | 3,901 |
| Tier 1 risk-based capital ratio | 11.8193% | 4,905 |
| Total risk-based capital ratio | 12.7699% | 4,987 |
| Memoranda: | ||
| Average total assets | $392,421,500 | 1,717 |
| Average earning assets | $356,131,500 | 1,743 |
| Average equity | $37,564,750 | 1,961 |
| Average total loans | $277,918,250 | 1,625 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,044 |
| Cost of funding earning assets | 0.7682% | 576 |
| Net interest margin | 3.9347% | 1,862 |
| Noninterest income to average assets | 0.9591% | 1,219 |
| Noninterest expense to average assets | 2.3921% | 4,358 |
| Loan and lease loss provision to assets | 0.0202% | 3,737 |
| Net operating income to assets | 1.8694% | 421 |
| Return on assets (ROA) | 1.9343% | 395 |
| Pretax return on assets | 2.2065% | 377 |
| Return on Equity (ROE) | 20.5669% | 215 |
| Retained earnings to average equity (ytd only) | 8.7237% | 928 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6322% | 5,412 |
| Assets per employee ($millions) | 6.4782% | 1,097 |
| Cash dividends to net income (ytd only)* | 57.5837% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,878 |
| Loan loss allowance to noncurrent loans | 4,428.5714% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 5,526 |
| Noncurrent loans to loans | 0.0251% | 5,368 |
| Net loans and leases to total assets | 70.8919% | 2,340 |
| Net loans and leases to deposits | 82.2581% | 2,676 |
| Net loans and leases to core deposits | 89.8660% | 2,544 |
| Total domestic deposits to total assets | 86.1823% | 2,336 |
| Equity capital to assets | 9.7672% | 4,494 |
| Core capital (leverage) ratio | 9.3982% | 4,339 |
| Tier 1 risk-based capital ratio | 11.6202% | 5,080 |
| Total risk-based capital ratio | 12.5755% | 5,165 |
| Memoranda: | ||
| Average total assets | $395,379,330 | 1,707 |
| Average earning assets | $360,330,330 | 1,724 |
| Average equity | $37,186,000 | 1,985 |
| Average total loans | $277,196,670 | 1,630 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 2,236 |
| Cost of funding earning assets | 0.7606% | 603 |
| Net interest margin | 3.5101% | 3,433 |
| Noninterest income to average assets | 0.9861% | 1,111 |
| Noninterest expense to average assets | 2.4237% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2680% | 1,346 |
| Return on assets (ROA) | 1.3633% | 1,174 |
| Pretax return on assets | 1.9031% | 687 |
| Return on Equity (ROE) | 14.7729% | 706 |
| Retained earnings to average equity (ytd only) | 14.7729% | 263 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7852% | 5,023 |
| Assets per employee ($millions) | 6.9531% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 4,028 |
| Loan loss allowance to noncurrent loans | 4,371.4286% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 5,581 |
| Noncurrent loans to loans | 0.0253% | 5,392 |
| Net loans and leases to total assets | 67.9429% | 2,654 |
| Net loans and leases to deposits | 78.6532% | 2,928 |
| Net loans and leases to core deposits | 87.8789% | 2,576 |
| Total domestic deposits to total assets | 86.3829% | 2,500 |
| Equity capital to assets | 9.3329% | 4,857 |
| Core capital (leverage) ratio | 9.3456% | 4,438 |
| Tier 1 risk-based capital ratio | 12.0619% | 4,877 |
| Total risk-based capital ratio | 13.0476% | 4,951 |
| Memoranda: | ||
| Average total assets | $398,724,500 | 1,692 |
| Average earning assets | $364,432,000 | 1,707 |
| Average equity | $36,797,000 | 1,999 |
| Average total loans | $276,470,500 | 1,630 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 1,861 |
| Cost of funding earning assets | 0.7681% | 587 |
| Net interest margin | 3.6446% | 2,964 |
| Noninterest income to average assets | 0.8787% | 1,506 |
| Noninterest expense to average assets | 2.4740% | 4,311 |
| Loan and lease loss provision to assets | 0.0318% | 3,729 |
| Net operating income to assets | 1.0414% | 2,169 |
| Return on assets (ROA) | 1.0727% | 2,104 |
| Pretax return on assets | 1.7543% | 882 |
| Return on Equity (ROE) | 12.0210% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.0210% | 248 |
| Net charge-offs to loans | -0.0775% | 5,706 |
| Credit loss provision to net charge-offs | -57.6190% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7479% | 5,057 |
| Assets per employee ($millions) | 6.7960% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,996 |
| Loan loss allowance to noncurrent loans | 4,371.4286% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 5,341 |
| Noncurrent loans to loans | 0.0254% | 5,413 |
| Net loans and leases to total assets | 69.2141% | 2,498 |
| Net loans and leases to deposits | 80.0106% | 2,823 |
| Net loans and leases to core deposits | 90.2627% | 2,383 |
| Total domestic deposits to total assets | 86.5063% | 2,370 |
| Equity capital to assets | 9.1220% | 4,998 |
| Core capital (leverage) ratio | 9.2362% | 4,569 |
| Tier 1 risk-based capital ratio | 11.7890% | 5,080 |
| Total risk-based capital ratio | 12.7887% | 5,135 |
| Memoranda: | ||
| Average total assets | $380,436,200 | 1,728 |
| Average earning assets | $347,854,600 | 1,744 |
| Average equity | $33,949,000 | 2,098 |
| Average total loans | $271,141,000 | 1,609 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 1,735 |
| Cost of funding earning assets | 0.7654% | 605 |
| Net interest margin | 3.6925% | 2,801 |
| Noninterest income to average assets | 0.8711% | 1,545 |
| Noninterest expense to average assets | 2.4098% | 4,486 |
| Loan and lease loss provision to assets | 0.0428% | 3,360 |
| Net operating income to assets | 1.0960% | 2,027 |
| Return on assets (ROA) | 1.1381% | 1,943 |
| Pretax return on assets | 1.8624% | 779 |
| Return on Equity (ROE) | 12.8278% | 1,167 |
| Retained earnings to average equity (ytd only) | 12.8278% | 289 |
| Net charge-offs to loans | -0.1037% | 5,798 |
| Credit loss provision to net charge-offs | -57.6190% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7124% | 5,257 |
| Assets per employee ($millions) | 6.4730% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,546 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 72.3544% | 2,005 |
| Net loans and leases to deposits | 84.7378% | 2,313 |
| Net loans and leases to core deposits | 97.1487% | 1,772 |
| Total domestic deposits to total assets | 85.3862% | 2,835 |
| Equity capital to assets | 9.1855% | 5,132 |
| Core capital (leverage) ratio | 9.0876% | 4,899 |
| Tier 1 risk-based capital ratio | 11.5191% | 5,365 |
| Total risk-based capital ratio | 12.5198% | 5,408 |
| Memoranda: | ||
| Average total assets | $377,003,250 | 1,754 |
| Average earning assets | $344,905,000 | 1,768 |
| Average equity | $33,447,250 | 2,138 |
| Average total loans | $269,956,250 | 1,626 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,764 |
| Cost of funding earning assets | 0.7537% | 631 |
| Net interest margin | 3.6735% | 2,823 |
| Noninterest income to average assets | 0.8797% | 1,512 |
| Noninterest expense to average assets | 2.4371% | 4,444 |
| Loan and lease loss provision to assets | 0.0645% | 2,831 |
| Net operating income to assets | 1.0607% | 2,096 |
| Return on assets (ROA) | 1.1221% | 1,957 |
| Pretax return on assets | 1.8345% | 840 |
| Return on Equity (ROE) | 12.8013% | 1,157 |
| Retained earnings to average equity (ytd only) | 12.8013% | 323 |
| Net charge-offs to loans | -0.1574% | 5,947 |
| Credit loss provision to net charge-offs | -57.6190% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4768% | 5,283 |
| Assets per employee ($millions) | 6.4770% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 4,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 4,697 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.2021% | 1,945 |
| Net loans and leases to deposits | 82.9037% | 2,445 |
| Net loans and leases to core deposits | 95.8171% | 1,817 |
| Total domestic deposits to total assets | 87.0915% | 2,118 |
| Equity capital to assets | 8.8268% | 5,405 |
| Core capital (leverage) ratio | 9.0807% | 4,850 |
| Tier 1 risk-based capital ratio | 11.0809% | 5,672 |
| Total risk-based capital ratio | 12.0750% | 5,730 |
| Memoranda: | ||
| Average total assets | $375,369,330 | 1,771 |
| Average earning assets | $343,374,330 | 1,781 |
| Average equity | $32,903,000 | 2,175 |
| Average total loans | $266,813,330 | 1,649 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 1,535 |
| Cost of funding earning assets | 0.7542% | 640 |
| Net interest margin | 3.7203% | 2,554 |
| Noninterest income to average assets | 0.8807% | 1,449 |
| Noninterest expense to average assets | 2.6249% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0112% | 2,213 |
| Return on assets (ROA) | 1.0807% | 2,050 |
| Pretax return on assets | 1.7646% | 930 |
| Return on Equity (ROE) | 12.3734% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.3734% | 518 |
| Net charge-offs to loans | -0.4219% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3163% | 4,915 |
| Assets per employee ($millions) | 6.5517% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 4,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 4,675 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.4237% | 2,216 |
| Net loans and leases to deposits | 78.6565% | 2,723 |
| Net loans and leases to core deposits | 92.0234% | 1,944 |
| Total domestic deposits to total assets | 88.2619% | 1,681 |
| Equity capital to assets | 8.8767% | 5,418 |
| Core capital (leverage) ratio | 9.0034% | 4,946 |
| Tier 1 risk-based capital ratio | 11.2937% | 5,663 |
| Total risk-based capital ratio | 12.3215% | 5,694 |
| Memoranda: | ||
| Average total assets | $371,982,000 | 1,794 |
| Average earning assets | $339,976,000 | 1,806 |
| Average equity | $32,489,000 | 2,209 |
| Average total loans | $260,732,000 | 1,678 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,041 |
| Cost of funding earning assets | 0.7831% | 706 |
| Net interest margin | 3.6731% | 3,114 |
| Noninterest income to average assets | 0.7871% | 1,921 |
| Noninterest expense to average assets | 2.6416% | 4,078 |
| Loan and lease loss provision to assets | 0.1124% | 2,294 |
| Net operating income to assets | 0.8225% | 3,269 |
| Return on assets (ROA) | 0.8901% | 3,006 |
| Pretax return on assets | 1.4430% | 1,743 |
| Return on Equity (ROE) | 10.5268% | 1,896 |
| Retained earnings to average equity (ytd only) | 7.1700% | 1,327 |
| Net charge-offs to loans | 0.0397% | 4,029 |
| Credit loss provision to net charge-offs | 408.2474% | 633 |
| Earnings coverage of net charge-offs (x) | 52.6598% | 891 |
| Efficiency ratio | 64.5647% | 4,491 |
| Assets per employee ($millions) | 6.2799% | 1,196 |
| Cash dividends to net income (ytd only)* | 31.8878% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 4,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,329 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.2196% | 2,357 |
| Net loans and leases to deposits | 78.1920% | 2,956 |
| Net loans and leases to core deposits | 92.9161% | 2,001 |
| Total domestic deposits to total assets | 88.5252% | 1,514 |
| Equity capital to assets | 8.5902% | 5,651 |
| Core capital (leverage) ratio | 8.6265% | 5,414 |
| Tier 1 risk-based capital ratio | 11.1167% | 5,860 |
| Total risk-based capital ratio | 12.0646% | 5,915 |
| Memoranda: | ||
| Average total assets | $352,326,200 | 1,847 |
| Average earning assets | $316,950,800 | 1,892 |
| Average equity | $29,790,600 | 2,283 |
| Average total loans | $244,228,200 | 1,724 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,874 |
| Cost of funding earning assets | 0.7671% | 811 |
| Net interest margin | 3.7322% | 2,888 |
| Noninterest income to average assets | 0.8116% | 1,845 |
| Noninterest expense to average assets | 2.6545% | 3,998 |
| Loan and lease loss provision to assets | 0.1522% | 1,632 |
| Net operating income to assets | 0.8319% | 3,276 |
| Return on assets (ROA) | 0.8933% | 3,043 |
| Pretax return on assets | 1.4434% | 1,831 |
| Return on Equity (ROE) | 10.6095% | 1,944 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,376 |
| Net charge-offs to loans | 0.0566% | 3,411 |
| Credit loss provision to net charge-offs | 389.2157% | 725 |
| Earnings coverage of net charge-offs (x) | 38.3520% | 1,165 |
| Efficiency ratio | 63.8981% | 4,562 |
| Assets per employee ($millions) | 6.2193% | 1,188 |
| Cash dividends to net income (ytd only)* | 42.9184% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 4,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 4,467 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.4738% | 2,119 |
| Net loans and leases to deposits | 82.0443% | 2,416 |
| Net loans and leases to core deposits | 99.6664% | 1,399 |
| Total domestic deposits to total assets | 85.8973% | 2,904 |
| Equity capital to assets | 8.4914% | 5,803 |
| Core capital (leverage) ratio | 8.9261% | 5,162 |
| Tier 1 risk-based capital ratio | 10.8555% | 6,060 |
| Total risk-based capital ratio | 11.8036% | 6,137 |
| Memoranda: | ||
| Average total assets | $347,779,000 | 1,877 |
| Average earning assets | $311,483,500 | 1,938 |
| Average equity | $29,281,250 | 2,329 |
| Average total loans | $240,485,750 | 1,761 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 2,208 |
| Cost of funding earning assets | 0.7630% | 866 |
| Net interest margin | 3.6267% | 3,252 |
| Noninterest income to average assets | 0.8193% | 1,765 |
| Noninterest expense to average assets | 2.7735% | 3,598 |
| Loan and lease loss provision to assets | 0.0728% | 2,817 |
| Net operating income to assets | 0.7472% | 3,584 |
| Return on assets (ROA) | 0.8251% | 3,303 |
| Pretax return on assets | 1.3276% | 2,160 |
| Return on Equity (ROE) | 9.8295% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.8927% | 4,360 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4437% | 3,928 |
| Assets per employee ($millions) | 5.9351% | 1,318 |
| Cash dividends to net income (ytd only)* | 70.5716% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 3,795 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.5337% | 1,996 |
| Net loans and leases to deposits | 82.5265% | 2,191 |
| Net loans and leases to core deposits | 97.4279% | 1,479 |
| Total domestic deposits to total assets | 85.4679% | 3,302 |
| Equity capital to assets | 8.6818% | 5,629 |
| Core capital (leverage) ratio | 8.8275% | 5,254 |
| Tier 1 risk-based capital ratio | 10.9973% | 6,051 |
| Total risk-based capital ratio | 11.9250% | 6,137 |
| Memoranda: | ||
| Average total assets | $343,466,330 | 1,903 |
| Average earning assets | $306,173,670 | 1,971 |
| Average equity | $28,831,670 | 2,357 |
| Average total loans | $235,002,330 | 1,790 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,665 |
| Cost of funding earning assets | 0.7451% | 991 |
| Net interest margin | 3.5152% | 3,622 |
| Noninterest income to average assets | 0.8208% | 1,670 |
| Noninterest expense to average assets | 2.7982% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7231% | 3,572 |
| Return on assets (ROA) | 0.7380% | 3,583 |
| Pretax return on assets | 1.1811% | 2,568 |
| Return on Equity (ROE) | 8.9456% | 2,488 |
| Retained earnings to average equity (ytd only) | -5.1865% | 6,132 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7339% | 3,696 |
| Assets per employee ($millions) | 6.0356% | 1,281 |
| Cash dividends to net income (ytd only)* | 157.9779% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,448 |
| Loan loss allowance to noncurrent loans | 1,854.9618% | 310 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 3,102 |
| Noncurrent loans to loans | 0.0549% | 5,989 |
| Net loans and leases to total assets | 68.6769% | 2,117 |
| Net loans and leases to deposits | 82.2946% | 2,017 |
| Net loans and leases to core deposits | 96.3627% | 1,359 |
| Total domestic deposits to total assets | 83.4525% | 4,462 |
| Equity capital to assets | 8.2932% | 5,832 |
| Core capital (leverage) ratio | 8.7818% | 5,286 |
| Tier 1 risk-based capital ratio | 10.6869% | 6,280 |
| Total risk-based capital ratio | 11.5672% | 6,348 |
| Memoranda: | ||
| Average total assets | $343,081,000 | 1,912 |
| Average earning assets | $305,987,000 | 1,976 |
| Average equity | $28,304,500 | 2,383 |
| Average total loans | $229,824,500 | 1,826 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 1,570 |
| Cost of funding earning assets | 0.8083% | 1,171 |
| Net interest margin | 3.8926% | 2,311 |
| Noninterest income to average assets | 1.1566% | 1,055 |
| Noninterest expense to average assets | 3.2069% | 2,394 |
| Loan and lease loss provision to assets | 0.2884% | 1,190 |
| Net operating income to assets | 0.6623% | 3,972 |
| Return on assets (ROA) | 0.6662% | 4,051 |
| Pretax return on assets | 1.0756% | 3,047 |
| Return on Equity (ROE) | 7.3828% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.1898% | 3,191 |
| Net charge-offs to loans | 0.3312% | 2,023 |
| Credit loss provision to net charge-offs | 128.3476% | 1,831 |
| Earnings coverage of net charge-offs (x) | 6.0427% | 3,141 |
| Efficiency ratio | 70.2525% | 3,797 |
| Assets per employee ($millions) | 5.7023% | 1,472 |
| Cash dividends to net income (ytd only)* | 43.2484% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,147 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 3,203 |
| Noncurrent loans to loans | 0.0136% | 6,239 |
| Net loans and leases to total assets | 63.8701% | 3,061 |
| Net loans and leases to deposits | 72.5840% | 3,446 |
| Net loans and leases to core deposits | 81.5773% | 2,950 |
| Total domestic deposits to total assets | 87.9948% | 2,181 |
| Equity capital to assets | 8.2067% | 5,867 |
| Core capital (leverage) ratio | 8.7344% | 5,375 |
| Tier 1 risk-based capital ratio | 11.6611% | 5,819 |
| Total risk-based capital ratio | 12.6097% | 5,919 |
| Memoranda: | ||
| Average total assets | $312,391,600 | 2,064 |
| Average earning assets | $273,521,200 | 2,155 |
| Average equity | $28,187,200 | 2,366 |
| Average total loans | $211,943,600 | 1,917 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 1,319 |
| Cost of funding earning assets | 0.8265% | 1,180 |
| Net interest margin | 3.9870% | 1,988 |
| Noninterest income to average assets | 1.0681% | 1,284 |
| Noninterest expense to average assets | 3.3569% | 1,923 |
| Loan and lease loss provision to assets | 0.3463% | 936 |
| Net operating income to assets | 0.5246% | 4,690 |
| Return on assets (ROA) | 0.5299% | 4,826 |
| Pretax return on assets | 0.8425% | 4,132 |
| Return on Equity (ROE) | 5.7274% | 4,330 |
| Retained earnings to average equity (ytd only) | 1.4744% | 5,396 |
| Net charge-offs to loans | 0.4120% | 1,563 |
| Credit loss provision to net charge-offs | 122.2222% | 1,924 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 3,524 |
| Efficiency ratio | 73.9834% | 3,074 |
| Assets per employee ($millions) | 5.5037% | 1,617 |
| Cash dividends to net income (ytd only)* | 74.2574% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,328 |
| Loan loss allowance to noncurrent loans | 6,785.7143% | 107 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 1,945 |
| Noncurrent loans to loans | 0.0162% | 6,307 |
| Net loans and leases to total assets | 64.5905% | 2,905 |
| Net loans and leases to deposits | 73.6923% | 3,286 |
| Net loans and leases to core deposits | 81.6841% | 2,909 |
| Total domestic deposits to total assets | 87.6489% | 2,329 |
| Equity capital to assets | 8.3956% | 5,837 |
| Core capital (leverage) ratio | 8.9740% | 5,167 |
| Tier 1 risk-based capital ratio | 11.4094% | 6,097 |
| Total risk-based capital ratio | 12.3437% | 6,204 |
| Memoranda: | ||
| Average total assets | $304,955,750 | 2,122 |
| Average earning assets | $265,355,000 | 2,220 |
| Average equity | $28,214,500 | 2,394 |
| Average total loans | $209,691,500 | 1,934 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 977 |
| Cost of funding earning assets | 0.8430% | 1,184 |
| Net interest margin | 4.1181% | 1,497 |
| Noninterest income to average assets | 1.2936% | 924 |
| Noninterest expense to average assets | 3.3615% | 1,905 |
| Loan and lease loss provision to assets | 0.2819% | 1,295 |
| Net operating income to assets | 0.7620% | 3,505 |
| Return on assets (ROA) | 0.7702% | 3,624 |
| Pretax return on assets | 1.2410% | 2,515 |
| Return on Equity (ROE) | 8.0485% | 3,066 |
| Retained earnings to average equity (ytd only) | 1.7055% | 5,160 |
| Net charge-offs to loans | 0.2398% | 2,285 |
| Credit loss provision to net charge-offs | 167.8715% | 1,399 |
| Earnings coverage of net charge-offs (x) | 8.9920% | 2,339 |
| Efficiency ratio | 69.0018% | 4,006 |
| Assets per employee ($millions) | 5.0579% | 2,046 |
| Cash dividends to net income (ytd only)* | 78.8091% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,296 |
| Loan loss allowance to noncurrent loans | 456.2738% | 950 |
| Noncurrent assets plus other real estate owned to assets | 3.0275% | 1,337 |
| Noncurrent loans to loans | 0.2489% | 5,686 |
| Net loans and leases to total assets | 66.6291% | 2,480 |
| Net loans and leases to deposits | 76.5266% | 2,801 |
| Net loans and leases to core deposits | 85.8470% | 2,347 |
| Total domestic deposits to total assets | 87.0666% | 2,781 |
| Equity capital to assets | 8.8934% | 5,331 |
| Core capital (leverage) ratio | 9.7107% | 3,920 |
| Tier 1 risk-based capital ratio | 11.5821% | 6,066 |
| Total risk-based capital ratio | 12.5428% | 6,172 |
| Memoranda: | ||
| Average total assets | $296,533,670 | 2,187 |
| Average earning assets | $257,645,000 | 2,285 |
| Average equity | $28,378,000 | 2,400 |
| Average total loans | $207,699,670 | 1,956 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 628 |
| Cost of funding earning assets | 0.8642% | 1,181 |
| Net interest margin | 4.3131% | 947 |
| Noninterest income to average assets | 1.2000% | 1,051 |
| Noninterest expense to average assets | 3.4361% | 1,751 |
| Loan and lease loss provision to assets | 0.1694% | 2,166 |
| Net operating income to assets | 0.8417% | 2,941 |
| Return on assets (ROA) | 0.8417% | 3,083 |
| Pretax return on assets | 1.3444% | 2,058 |
| Return on Equity (ROE) | 8.4689% | 2,735 |
| Retained earnings to average equity (ytd only) | -4.1087% | 6,287 |
| Net charge-offs to loans | 0.1321% | 2,610 |
| Credit loss provision to net charge-offs | 179.4118% | 1,187 |
| Earnings coverage of net charge-offs (x) | 16.0294% | 1,377 |
| Efficiency ratio | 69.4164% | 4,074 |
| Assets per employee ($millions) | 4.6465% | 2,732 |
| Cash dividends to net income (ytd only)* | 148.5149% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,621 |
| Loan loss allowance to noncurrent loans | 143.8917% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 3.5716% | 1,181 |
| Noncurrent loans to loans | 0.7628% | 4,603 |
| Net loans and leases to total assets | 70.3402% | 1,609 |
| Net loans and leases to deposits | 82.0530% | 1,819 |
| Net loans and leases to core deposits | 94.5412% | 1,303 |
| Total domestic deposits to total assets | 85.7254% | 3,668 |
| Equity capital to assets | 9.7192% | 4,538 |
| Core capital (leverage) ratio | 9.6998% | 3,791 |
| Tier 1 risk-based capital ratio | 11.7999% | 6,026 |
| Total risk-based capital ratio | 12.7493% | 6,159 |
| Memoranda: | ||
| Average total assets | $288,005,000 | 2,265 |
| Average earning assets | $250,400,000 | 2,372 |
| Average equity | $28,622,500 | 2,410 |
| Average total loans | $205,878,000 | 1,974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 725 |
| Cost of funding earning assets | 1.0332% | 1,195 |
| Net interest margin | 4.3934% | 1,170 |
| Noninterest income to average assets | 1.3156% | 887 |
| Noninterest expense to average assets | 4.2860% | 690 |
| Loan and lease loss provision to assets | -0.1502% | 6,946 |
| Net operating income to assets | 0.5952% | 4,264 |
| Return on assets (ROA) | 0.6847% | 4,073 |
| Pretax return on assets | 1.0914% | 3,189 |
| Return on Equity (ROE) | 6.4256% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.6456% | 2,947 |
| Net charge-offs to loans | 0.1538% | 4,161 |
| Credit loss provision to net charge-offs | -139.9293% | 6,358 |
| Earnings coverage of net charge-offs (x) | 7.4629% | 2,597 |
| Efficiency ratio | 84.2506% | 1,598 |
| Assets per employee ($millions) | 5.0586% | 2,153 |
| Cash dividends to net income (ytd only)* | 27.7008% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 5,568 |
| Loan loss allowance to noncurrent loans | 170.9579% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 3.7101% | 1,201 |
| Noncurrent loans to loans | 0.6411% | 4,915 |
| Net loans and leases to total assets | 71.0721% | 1,637 |
| Net loans and leases to deposits | 88.0834% | 1,262 |
| Net loans and leases to core deposits | 104.6810% | 750 |
| Total domestic deposits to total assets | 80.6873% | 5,490 |
| Equity capital to assets | 10.1645% | 3,940 |
| Core capital (leverage) ratio | 10.2014% | 3,140 |
| Tier 1 risk-based capital ratio | 12.2520% | 5,630 |
| Total risk-based capital ratio | 13.2047% | 5,773 |
| Memoranda: | ||
| Average total assets | $263,601,400 | 2,403 |
| Average earning assets | $226,291,600 | 2,551 |
| Average equity | $28,090,800 | 2,389 |
| Average total loans | $184,014,400 | 2,152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 727 |
| Cost of funding earning assets | 1.0768% | 1,160 |
| Net interest margin | 4.3938% | 1,213 |
| Noninterest income to average assets | 1.3102% | 856 |
| Noninterest expense to average assets | 4.0466% | 879 |
| Loan and lease loss provision to assets | 0.1263% | 3,972 |
| Net operating income to assets | 0.5648% | 4,547 |
| Return on assets (ROA) | 0.6865% | 4,229 |
| Pretax return on assets | 1.0901% | 3,386 |
| Return on Equity (ROE) | 6.3620% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.9739% | 4,086 |
| Net charge-offs to loans | 0.1444% | 3,956 |
| Credit loss provision to net charge-offs | 126.2887% | 2,274 |
| Earnings coverage of net charge-offs (x) | 10.2629% | 2,203 |
| Efficiency ratio | 79.7704% | 2,129 |
| Assets per employee ($millions) | 4.5416% | 2,841 |
| Cash dividends to net income (ytd only)* | 37.5374% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6521% | 3,323 |
| Loan loss allowance to noncurrent loans | 194.6746% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 4.1985% | 1,132 |
| Noncurrent loans to loans | 0.8486% | 4,715 |
| Net loans and leases to total assets | 65.7826% | 2,693 |
| Net loans and leases to deposits | 77.1760% | 2,778 |
| Net loans and leases to core deposits | 89.2450% | 2,078 |
| Total domestic deposits to total assets | 85.2370% | 3,646 |
| Equity capital to assets | 10.5947% | 3,739 |
| Core capital (leverage) ratio | 10.4285% | 2,998 |
| Tier 1 risk-based capital ratio | 13.0736% | 5,189 |
| Total risk-based capital ratio | 14.3256% | 5,145 |
| Memoranda: | ||
| Average total assets | $258,681,750 | 2,474 |
| Average earning assets | $221,517,500 | 2,620 |
| Average equity | $27,915,000 | 2,420 |
| Average total loans | $179,127,000 | 2,240 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 704 |
| Cost of funding earning assets | 1.1339% | 1,078 |
| Net interest margin | 4.3772% | 1,262 |
| Noninterest income to average assets | 1.3678% | 765 |
| Noninterest expense to average assets | 4.0361% | 903 |
| Loan and lease loss provision to assets | 0.1135% | 4,110 |
| Net operating income to assets | 0.6003% | 4,369 |
| Return on assets (ROA) | 0.7356% | 3,945 |
| Pretax return on assets | 1.1691% | 3,050 |
| Return on Equity (ROE) | 6.7731% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.1704% | 4,506 |
| Net charge-offs to loans | 0.0670% | 4,493 |
| Credit loss provision to net charge-offs | 241.6667% | 1,186 |
| Earnings coverage of net charge-offs (x) | 22.8167% | 1,276 |
| Efficiency ratio | 79.0256% | 2,321 |
| Assets per employee ($millions) | 4.4167% | 3,058 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,468 |
| Loan loss allowance to noncurrent loans | 315.2632% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 4.1457% | 1,207 |
| Noncurrent loans to loans | 0.5196% | 5,487 |
| Net loans and leases to total assets | 69.0191% | 2,097 |
| Net loans and leases to deposits | 80.9553% | 2,233 |
| Net loans and leases to core deposits | 95.6359% | 1,461 |
| Total domestic deposits to total assets | 85.2558% | 3,735 |
| Equity capital to assets | 10.7048% | 3,449 |
| Core capital (leverage) ratio | 10.4798% | 2,829 |
| Tier 1 risk-based capital ratio | 12.4367% | 5,618 |
| Total risk-based capital ratio | 13.6882% | 5,593 |
| Memoranda: | ||
| Average total assets | $255,591,000 | 2,492 |
| Average earning assets | $218,358,670 | 2,664 |
| Average equity | $27,757,000 | 2,416 |
| Average total loans | $179,093,330 | 2,244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 857 |
| Cost of funding earning assets | 1.2623% | 737 |
| Net interest margin | 4.1772% | 1,826 |
| Noninterest income to average assets | 1.3244% | 812 |
| Noninterest expense to average assets | 3.9542% | 989 |
| Loan and lease loss provision to assets | 0.1580% | 3,404 |
| Net operating income to assets | 0.4941% | 4,851 |
| Return on assets (ROA) | 0.5958% | 4,576 |
| Pretax return on assets | 0.9198% | 3,970 |
| Return on Equity (ROE) | 5.4464% | 4,573 |
| Retained earnings to average equity (ytd only) | 5.4464% | 3,293 |
| Net charge-offs to loans | 0.0903% | 3,615 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 14.5750% | 1,463 |
| Efficiency ratio | 81.1021% | 2,062 |
| Assets per employee ($millions) | 4.4395% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 3,482 |
| Loan loss allowance to noncurrent loans | 109.7156% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 4.3956% | 1,226 |
| Noncurrent loans to loans | 1.5179% | 3,838 |
| Net loans and leases to total assets | 69.3037% | 1,885 |
| Net loans and leases to deposits | 80.7411% | 2,093 |
| Net loans and leases to core deposits | 94.8218% | 1,389 |
| Total domestic deposits to total assets | 85.8344% | 3,624 |
| Equity capital to assets | 10.9860% | 2,920 |
| Core capital (leverage) ratio | 10.4409% | 2,822 |
| Tier 1 risk-based capital ratio | 12.4686% | 5,630 |
| Total risk-based capital ratio | 13.7203% | 5,592 |
| Memoranda: | ||
| Average total assets | $253,095,000 | 2,538 |
| Average earning assets | $215,169,500 | 2,708 |
| Average equity | $27,688,000 | 2,411 |
| Average total loans | $177,216,500 | 2,275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 1,768 |
| Cost of funding earning assets | 1.6306% | 424 |
| Net interest margin | 3.6501% | 4,520 |
| Noninterest income to average assets | 1.4499% | 617 |
| Noninterest expense to average assets | 3.9280% | 1,143 |
| Loan and lease loss provision to assets | 0.2488% | 3,718 |
| Net operating income to assets | 0.2694% | 5,372 |
| Return on assets (ROA) | 0.3572% | 5,208 |
| Pretax return on assets | 0.5270% | 4,910 |
| Return on Equity (ROE) | 3.3929% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.6496% | 4,343 |
| Net charge-offs to loans | 0.5513% | 2,809 |
| Credit loss provision to net charge-offs | 66.8770% | 4,968 |
| Earnings coverage of net charge-offs (x) | 1.7382% | 4,470 |
| Efficiency ratio | 85.8633% | 1,583 |
| Assets per employee ($millions) | 4.3645% | 3,133 |
| Cash dividends to net income (ytd only)* | 21.9058% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 3,370 |
| Loan loss allowance to noncurrent loans | 98.1450% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 4.6405% | 1,178 |
| Noncurrent loans to loans | 1.6838% | 3,634 |
| Net loans and leases to total assets | 68.4127% | 2,320 |
| Net loans and leases to deposits | 79.5765% | 2,600 |
| Net loans and leases to core deposits | 95.9138% | 1,499 |
| Total domestic deposits to total assets | 85.9710% | 3,337 |
| Equity capital to assets | 10.8936% | 3,083 |
| Core capital (leverage) ratio | 10.2269% | 3,055 |
| Tier 1 risk-based capital ratio | 12.3934% | 5,540 |
| Total risk-based capital ratio | 13.6451% | 5,514 |
| Memoranda: | ||
| Average total assets | $255,600,200 | 2,463 |
| Average earning assets | $218,814,400 | 2,625 |
| Average equity | $26,909,400 | 2,406 |
| Average total loans | $172,492,000 | 2,349 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 1,989 |
| Cost of funding earning assets | 1.6500% | 474 |
| Net interest margin | 3.6102% | 4,724 |
| Noninterest income to average assets | 1.4534% | 617 |
| Noninterest expense to average assets | 3.9044% | 1,147 |
| Loan and lease loss provision to assets | 0.3075% | 3,068 |
| Net operating income to assets | 0.2350% | 5,605 |
| Return on assets (ROA) | 0.3518% | 5,380 |
| Pretax return on assets | 0.5147% | 5,119 |
| Return on Equity (ROE) | 3.3703% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.3703% | 4,332 |
| Net charge-offs to loans | 0.6597% | 2,272 |
| Credit loss provision to net charge-offs | 69.6113% | 4,496 |
| Earnings coverage of net charge-offs (x) | 1.4723% | 4,528 |
| Efficiency ratio | 85.7192% | 1,566 |
| Assets per employee ($millions) | 3.8097% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,243 |
| Loan loss allowance to noncurrent loans | 158.3244% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 4.5815% | 1,302 |
| Noncurrent loans to loans | 1.0790% | 4,756 |
| Net loans and leases to total assets | 71.1298% | 1,877 |
| Net loans and leases to deposits | 83.4782% | 2,096 |
| Net loans and leases to core deposits | 102.1303% | 1,090 |
| Total domestic deposits to total assets | 85.2076% | 3,670 |
| Equity capital to assets | 11.4596% | 2,721 |
| Core capital (leverage) ratio | 10.5901% | 2,772 |
| Tier 1 risk-based capital ratio | 12.8134% | 5,236 |
| Total risk-based capital ratio | 14.0658% | 5,220 |
| Memoranda: | ||
| Average total assets | $256,215,250 | 2,470 |
| Average earning assets | $220,110,500 | 2,627 |
| Average equity | $26,742,750 | 2,419 |
| Average total loans | $171,592,500 | 2,370 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 2,955 |
| Cost of funding earning assets | 1.6737% | 520 |
| Net interest margin | 3.3688% | 5,644 |
| Noninterest income to average assets | 1.3761% | 672 |
| Noninterest expense to average assets | 3.6710% | 1,581 |
| Loan and lease loss provision to assets | 0.3295% | 2,805 |
| Net operating income to assets | 0.2110% | 5,704 |
| Return on assets (ROA) | 0.2110% | 5,821 |
| Pretax return on assets | 0.2729% | 5,735 |
| Return on Equity (ROE) | 2.0839% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0839% | 4,936 |
| Net charge-offs to loans | 0.9199% | 1,691 |
| Credit loss provision to net charge-offs | 54.8346% | 4,462 |
| Earnings coverage of net charge-offs (x) | 1.0025% | 4,542 |
| Efficiency ratio | 85.9034% | 1,610 |
| Assets per employee ($millions) | 4.4911% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 3,423 |
| Loan loss allowance to noncurrent loans | 179.0393% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 4.2771% | 1,485 |
| Noncurrent loans to loans | 0.9321% | 5,107 |
| Net loans and leases to total assets | 66.0587% | 3,012 |
| Net loans and leases to deposits | 76.8610% | 3,311 |
| Net loans and leases to core deposits | 96.2421% | 1,654 |
| Total domestic deposits to total assets | 85.9457% | 3,357 |
| Equity capital to assets | 10.4550% | 3,565 |
| Core capital (leverage) ratio | 9.7304% | 3,625 |
| Tier 1 risk-based capital ratio | 12.5527% | 5,291 |
| Total risk-based capital ratio | 13.8051% | 5,269 |
| Memoranda: | ||
| Average total assets | $261,617,330 | 2,444 |
| Average earning assets | $225,008,330 | 2,583 |
| Average equity | $26,489,000 | 2,428 |
| Average total loans | $170,895,000 | 2,399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9281% | 3,429 |
| Cost of funding earning assets | 1.7077% | 534 |
| Net interest margin | 3.2204% | 6,011 |
| Noninterest income to average assets | 1.2979% | 762 |
| Noninterest expense to average assets | 3.5820% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3464% | 5,193 |
| Return on assets (ROA) | 0.3464% | 5,273 |
| Pretax return on assets | 0.4886% | 5,061 |
| Return on Equity (ROE) | 3.4761% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.4761% | 4,099 |
| Net charge-offs to loans | 0.0657% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.5357% | 1,549 |
| Efficiency ratio | 87.9970% | 1,515 |
| Assets per employee ($millions) | 4.8415% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 2,709 |
| Loan loss allowance to noncurrent loans | 163.6969% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 4.3590% | 1,499 |
| Noncurrent loans to loans | 1.1573% | 4,765 |
| Net loans and leases to total assets | 63.3264% | 3,579 |
| Net loans and leases to deposits | 74.7652% | 3,641 |
| Net loans and leases to core deposits | 93.0008% | 2,010 |
| Total domestic deposits to total assets | 84.7004% | 4,180 |
| Equity capital to assets | 10.0788% | 3,674 |
| Core capital (leverage) ratio | 9.3989% | 3,966 |
| Tier 1 risk-based capital ratio | 12.6657% | 5,102 |
| Total risk-based capital ratio | 13.9202% | 5,073 |
| Memoranda: | ||
| Average total assets | $264,430,000 | 2,431 |
| Average earning assets | $227,673,000 | 2,572 |
| Average equity | $26,351,500 | 2,424 |
| Average total loans | $170,355,000 | 2,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 3,868 |
| Cost of funding earning assets | 1.9232% | 781 |
| Net interest margin | 3.2241% | 6,208 |
| Noninterest income to average assets | 1.3908% | 751 |
| Noninterest expense to average assets | 3.9447% | 1,246 |
| Loan and lease loss provision to assets | 0.3018% | 4,394 |
| Net operating income to assets | -0.0640% | 5,946 |
| Return on assets (ROA) | 0.0811% | 5,771 |
| Pretax return on assets | 0.0547% | 5,790 |
| Return on Equity (ROE) | 0.7830% | 5,757 |
| Retained earnings to average equity (ytd only) | 0.7830% | 5,164 |
| Net charge-offs to loans | 0.5647% | 3,359 |
| Credit loss provision to net charge-offs | 81.6369% | 5,501 |
| Earnings coverage of net charge-offs (x) | 0.5719% | 5,533 |
| Efficiency ratio | 94.9127% | 1,016 |
| Assets per employee ($millions) | 4.5326% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 2,628 |
| Loan loss allowance to noncurrent loans | 165.5544% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 4.2499% | 1,569 |
| Noncurrent loans to loans | 1.1329% | 4,845 |
| Net loans and leases to total assets | 63.0945% | 4,047 |
| Net loans and leases to deposits | 74.1248% | 4,172 |
| Net loans and leases to core deposits | 91.4733% | 2,559 |
| Total domestic deposits to total assets | 85.1193% | 3,788 |
| Equity capital to assets | 9.8545% | 3,933 |
| Core capital (leverage) ratio | 9.4069% | 3,838 |
| Tier 1 risk-based capital ratio | 12.3876% | 5,126 |
| Total risk-based capital ratio | 13.6419% | 5,097 |
| Memoranda: | ||
| Average total assets | $257,764,000 | 2,472 |
| Average earning assets | $221,087,200 | 2,619 |
| Average equity | $26,693,200 | 2,396 |
| Average total loans | $168,765,000 | 2,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 3,593 |
| Cost of funding earning assets | 1.9687% | 833 |
| Net interest margin | 3.2787% | 6,086 |
| Noninterest income to average assets | 1.3216% | 782 |
| Noninterest expense to average assets | 3.7652% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2547% | 5,334 |
| Return on assets (ROA) | 0.3639% | 5,092 |
| Pretax return on assets | 0.5221% | 4,852 |
| Return on Equity (ROE) | 3.4704% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.4704% | 4,012 |
| Net charge-offs to loans | 0.5953% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.9347% | 5,131 |
| Efficiency ratio | 91.1400% | 1,201 |
| Assets per employee ($millions) | 4.3516% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,563 |
| Loan loss allowance to noncurrent loans | 49.5976% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 5.3382% | 1,170 |
| Noncurrent loans to loans | 3.2063% | 2,479 |
| Net loans and leases to total assets | 61.7794% | 4,578 |
| Net loans and leases to deposits | 73.7287% | 4,562 |
| Net loans and leases to core deposits | 92.7430% | 2,694 |
| Total domestic deposits to total assets | 83.7929% | 4,236 |
| Equity capital to assets | 10.3087% | 3,755 |
| Core capital (leverage) ratio | 9.8813% | 3,382 |
| Tier 1 risk-based capital ratio | 13.2283% | 4,400 |
| Total risk-based capital ratio | 14.4797% | 4,376 |
| Memoranda: | ||
| Average total assets | $255,349,750 | 2,535 |
| Average earning assets | $218,820,500 | 2,682 |
| Average equity | $26,778,250 | 2,432 |
| Average total loans | $167,968,000 | 2,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 3,037 |
| Cost of funding earning assets | 2.0060% | 901 |
| Net interest margin | 3.3799% | 5,715 |
| Noninterest income to average assets | 1.2866% | 771 |
| Noninterest expense to average assets | 3.7748% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2815% | 5,256 |
| Return on assets (ROA) | 0.3024% | 5,333 |
| Pretax return on assets | 0.4230% | 5,143 |
| Return on Equity (ROE) | 2.8665% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.8665% | 4,317 |
| Net charge-offs to loans | 0.0095% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 501 |
| Efficiency ratio | 90.5560% | 1,292 |
| Assets per employee ($millions) | 4.2551% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,144 |
| Loan loss allowance to noncurrent loans | 63.6040% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 5.2528% | 1,198 |
| Noncurrent loans to loans | 3.1637% | 2,529 |
| Net loans and leases to total assets | 62.6104% | 4,554 |
| Net loans and leases to deposits | 74.9079% | 4,529 |
| Net loans and leases to core deposits | 97.5013% | 2,281 |
| Total domestic deposits to total assets | 83.5831% | 4,298 |
| Equity capital to assets | 10.2506% | 3,705 |
| Core capital (leverage) ratio | 10.1422% | 3,004 |
| Tier 1 risk-based capital ratio | 12.8075% | 4,597 |
| Total risk-based capital ratio | 14.0630% | 4,557 |
| Memoranda: | ||
| Average total assets | $251,984,330 | 2,584 |
| Average earning assets | $214,857,000 | 2,748 |
| Average equity | $26,583,000 | 2,439 |
| Average total loans | $168,410,330 | 2,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4528% | 2,813 |
| Cost of funding earning assets | 2.0966% | 820 |
| Net interest margin | 3.3561% | 5,763 |
| Noninterest income to average assets | 1.2696% | 756 |
| Noninterest expense to average assets | 3.9388% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1642% | 5,809 |
| Return on assets (ROA) | 0.1642% | 5,938 |
| Pretax return on assets | 0.1723% | 5,964 |
| Return on Equity (ROE) | 1.5330% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.5330% | 5,175 |
| Net charge-offs to loans | 0.0024% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 307 |
| Efficiency ratio | 95.8086% | 1,037 |
| Assets per employee ($millions) | 3.9697% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 2,089 |
| Loan loss allowance to noncurrent loans | 68.0480% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 5.9394% | 1,017 |
| Noncurrent loans to loans | 2.9910% | 2,685 |
| Net loans and leases to total assets | 65.4158% | 4,018 |
| Net loans and leases to deposits | 78.9790% | 3,844 |
| Net loans and leases to core deposits | 106.7481% | 1,512 |
| Total domestic deposits to total assets | 82.8269% | 4,705 |
| Equity capital to assets | 10.6164% | 3,131 |
| Core capital (leverage) ratio | 10.2246% | 2,903 |
| Tier 1 risk-based capital ratio | 12.6333% | 4,617 |
| Total risk-based capital ratio | 13.8891% | 4,578 |
| Memoranda: | ||
| Average total assets | $246,067,000 | 2,690 |
| Average earning assets | $208,334,000 | 2,893 |
| Average equity | $26,353,000 | 2,478 |
| Average total loans | $168,330,500 | 2,641 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 3,166 |
| Cost of funding earning assets | 2.6472% | 677 |
| Net interest margin | 3.0411% | 6,540 |
| Noninterest income to average assets | 1.5293% | 611 |
| Noninterest expense to average assets | 4.1157% | 1,205 |
| Loan and lease loss provision to assets | 2.2657% | 908 |
| Net operating income to assets | -1.3222% | 6,774 |
| Return on assets (ROA) | -1.2945% | 6,762 |
| Pretax return on assets | -2.2221% | 7,029 |
| Return on Equity (ROE) | -12.8265% | 6,819 |
| Retained earnings to average equity (ytd only) | -12.8265% | 6,743 |
| Net charge-offs to loans | 2.4484% | 937 |
| Credit loss provision to net charge-offs | 130.8720% | 3,878 |
| Earnings coverage of net charge-offs (x) | 0.0003% | 6,194 |
| Efficiency ratio | 99.9894% | 1,104 |
| Assets per employee ($millions) | 3.9039% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 2,014 |
| Loan loss allowance to noncurrent loans | 103.0615% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 5.4363% | 1,082 |
| Noncurrent loans to loans | 1.9445% | 3,738 |
| Net loans and leases to total assets | 68.6915% | 3,551 |
| Net loans and leases to deposits | 84.6633% | 3,145 |
| Net loans and leases to core deposits | 109.4074% | 2,962 |
| Total domestic deposits to total assets | 81.1349% | 5,305 |
| Equity capital to assets | 10.8061% | 2,861 |
| Core capital (leverage) ratio | 10.5496% | 2,556 |
| Tier 1 risk-based capital ratio | 12.5928% | 4,451 |
| Total risk-based capital ratio | 13.8482% | 4,393 |
| Memoranda: | ||
| Average total assets | $229,196,400 | 2,832 |
| Average earning assets | $194,961,200 | 3,035 |
| Average equity | $23,131,800 | 2,814 |
| Average total loans | $162,066,600 | 2,727 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6391% | 3,640 |
| Cost of funding earning assets | 2.7431% | 704 |
| Net interest margin | 2.8960% | 6,871 |
| Noninterest income to average assets | 1.5871% | 585 |
| Noninterest expense to average assets | 3.9830% | 1,298 |
| Loan and lease loss provision to assets | 0.3298% | 4,360 |
| Net operating income to assets | -0.1300% | 5,945 |
| Return on assets (ROA) | -0.0926% | 5,914 |
| Pretax return on assets | -0.1982% | 5,978 |
| Return on Equity (ROE) | -0.9355% | 5,919 |
| Retained earnings to average equity (ytd only) | -0.9355% | 5,476 |
| Net charge-offs to loans | 0.5211% | 3,131 |
| Credit loss provision to net charge-offs | 89.2971% | 5,503 |
| Earnings coverage of net charge-offs (x) | 0.1981% | 5,826 |
| Efficiency ratio | 98.1964% | 1,154 |
| Assets per employee ($millions) | 3.8449% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 4,679 |
| Loan loss allowance to noncurrent loans | 35.5961% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 6.7456% | 731 |
| Noncurrent loans to loans | 3.5701% | 2,095 |
| Net loans and leases to total assets | 69.8274% | 3,560 |
| Net loans and leases to deposits | 85.6875% | 3,381 |
| Net loans and leases to core deposits | 111.9457% | 3,031 |
| Total domestic deposits to total assets | 81.4908% | 4,880 |
| Equity capital to assets | 11.6476% | 2,469 |
| Core capital (leverage) ratio | 11.5278% | 2,064 |
| Tier 1 risk-based capital ratio | 13.8554% | 3,625 |
| Total risk-based capital ratio | 14.9451% | 3,667 |
| Memoranda: | ||
| Average total assets | $225,985,500 | 2,885 |
| Average earning assets | $192,675,250 | 3,083 |
| Average equity | $22,376,000 | 2,924 |
| Average total loans | $160,168,000 | 2,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6562% | 3,790 |
| Cost of funding earning assets | 2.8867% | 630 |
| Net interest margin | 2.7695% | 7,071 |
| Noninterest income to average assets | 1.6134% | 575 |
| Noninterest expense to average assets | 4.0074% | 1,307 |
| Loan and lease loss provision to assets | 0.3047% | 4,126 |
| Net operating income to assets | -0.1820% | 6,158 |
| Return on assets (ROA) | -0.1820% | 6,183 |
| Pretax return on assets | -0.3487% | 6,281 |
| Return on Equity (ROE) | -1.9586% | 6,217 |
| Retained earnings to average equity (ytd only) | -1.9586% | 5,733 |
| Net charge-offs to loans | 0.5181% | 2,768 |
| Credit loss provision to net charge-offs | 82.9268% | 5,123 |
| Earnings coverage of net charge-offs (x) | -0.1195% | 5,812 |
| Efficiency ratio | 101.1081% | 1,122 |
| Assets per employee ($millions) | 3.8376% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 4,120 |
| Loan loss allowance to noncurrent loans | 32.4495% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 7.0720% | 592 |
| Noncurrent loans to loans | 4.0863% | 1,641 |
| Net loans and leases to total assets | 66.9157% | 4,377 |
| Net loans and leases to deposits | 82.0861% | 4,212 |
| Net loans and leases to core deposits | 107.7880% | 3,631 |
| Total domestic deposits to total assets | 81.5189% | 4,890 |
| Equity capital to assets | 11.6227% | 2,451 |
| Core capital (leverage) ratio | 12.0957% | 1,793 |
| Tier 1 risk-based capital ratio | 14.2372% | 3,388 |
| Total risk-based capital ratio | 15.3568% | 3,391 |
| Memoranda: | ||
| Average total assets | $223,135,000 | 2,935 |
| Average earning assets | $189,351,000 | 3,148 |
| Average equity | $20,728,670 | 3,134 |
| Average total loans | $158,264,330 | 2,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8717% | 2,929 |
| Cost of funding earning assets | 3.0804% | 485 |
| Net interest margin | 2.7913% | 7,012 |
| Noninterest income to average assets | 1.6871% | 480 |
| Noninterest expense to average assets | 4.0082% | 1,176 |
| Loan and lease loss provision to assets | 0.0515% | 6,315 |
| Net operating income to assets | 0.0184% | 6,209 |
| Return on assets (ROA) | 0.0184% | 6,366 |
| Pretax return on assets | -0.0129% | 6,395 |
| Return on Equity (ROE) | 0.2287% | 6,357 |
| Retained earnings to average equity (ytd only) | 0.2287% | 5,570 |
| Net charge-offs to loans | 0.0076% | 5,567 |
| Credit loss provision to net charge-offs | 933.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,402 |
| Efficiency ratio | 99.0463% | 1,172 |
| Assets per employee ($millions) | 3.7610% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 3,485 |
| Loan loss allowance to noncurrent loans | 34.1987% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 6.5254% | 567 |
| Noncurrent loans to loans | 4.1019% | 1,460 |
| Net loans and leases to total assets | 69.6847% | 3,752 |
| Net loans and leases to deposits | 82.0485% | 4,275 |
| Net loans and leases to core deposits | 109.4911% | 3,499 |
| Total domestic deposits to total assets | 84.9311% | 3,241 |
| Equity capital to assets | 7.8787% | 6,974 |
| Core capital (leverage) ratio | 7.6692% | 6,927 |
| Tier 1 risk-based capital ratio | 9.1881% | 7,679 |
| Total risk-based capital ratio | 10.3786% | 7,726 |
| Memoranda: | ||
| Average total assets | $217,656,000 | 3,017 |
| Average earning assets | $184,002,000 | 3,238 |
| Average equity | $17,489,000 | 3,638 |
| Average total loans | $158,021,500 | 2,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6532% | 2,231 |
| Cost of funding earning assets | 3.5868% | 406 |
| Net interest margin | 3.0664% | 6,748 |
| Noninterest income to average assets | 2.0452% | 334 |
| Noninterest expense to average assets | 4.5734% | 831 |
| Loan and lease loss provision to assets | 0.4753% | 2,925 |
| Net operating income to assets | -0.2223% | 6,644 |
| Return on assets (ROA) | -0.1588% | 6,415 |
| Pretax return on assets | -0.3094% | 6,473 |
| Return on Equity (ROE) | -1.9794% | 6,498 |
| Retained earnings to average equity (ytd only) | -1.9794% | 5,862 |
| Net charge-offs to loans | 0.0569% | 5,961 |
| Credit loss provision to net charge-offs | 1,126.1364% | 396 |
| Earnings coverage of net charge-offs (x) | 1.5795% | 5,303 |
| Efficiency ratio | 98.5632% | 1,037 |
| Assets per employee ($millions) | 3.4421% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,384 |
| Loan loss allowance to noncurrent loans | 38.7770% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 6.1642% | 471 |
| Noncurrent loans to loans | 3.5230% | 1,436 |
| Net loans and leases to total assets | 73.5843% | 3,209 |
| Net loans and leases to deposits | 87.3734% | 3,883 |
| Net loans and leases to core deposits | 119.3036% | 2,758 |
| Total domestic deposits to total assets | 84.2182% | 3,215 |
| Equity capital to assets | 8.1978% | 6,559 |
| Core capital (leverage) ratio | 7.9983% | 6,495 |
| Tier 1 risk-based capital ratio | 9.4569% | 7,360 |
| Total risk-based capital ratio | 10.6368% | 7,353 |
| Memoranda: | ||
| Average total assets | $208,486,600 | 3,024 |
| Average earning assets | $176,426,000 | 3,238 |
| Average equity | $16,722,600 | 3,785 |
| Average total loans | $154,703,600 | 2,851 |