Home > North Star Bank > Performance and Condition Ratios
North Star Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 2,435 |
| Cost of funding earning assets | 1.1957% | 2,814 |
| Net interest margin | 3.6247% | 1,919 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.5235% | 2,237 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9701% | 2,307 |
| Return on assets (ROA) | 0.9697% | 2,294 |
| Pretax return on assets | 1.2803% | 1,926 |
| Return on Equity (ROE) | 13.2800% | 1,654 |
| Retained earnings to average equity (ytd only) | 1.4882% | 3,712 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.8817% | 2,369 |
| Assets per employee ($millions) | 6.2871% | 2,565 |
| Cash dividends to net income (ytd only)* | 88.7964% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,376 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.7000% | 1,842 |
| Net loans and leases to deposits | 76.2891% | 2,428 |
| Net loans and leases to core deposits | 82.4837% | 2,551 |
| Total domestic deposits to total assets | 91.3600% | 423 |
| Equity capital to assets | 7.9698% | 3,440 |
| Core capital (leverage) ratio | 10.4525% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $347,024,000 | 2,203 |
| Average earning assets | $336,962,000 | 2,141 |
| Average equity | $25,333,000 | 2,501 |
| Average total loans | $236,303,000 | 2,076 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 2,502 |
| Cost of funding earning assets | 1.0698% | 2,832 |
| Net interest margin | 3.6149% | 1,961 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5898% | 1,977 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8343% | 2,919 |
| Return on assets (ROA) | 0.8337% | 2,902 |
| Pretax return on assets | 1.1969% | 2,306 |
| Return on Equity (ROE) | 11.6900% | 2,203 |
| Retained earnings to average equity (ytd only) | -3.5589% | 4,383 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0653% | 2,006 |
| Assets per employee ($millions) | 6.2682% | 2,512 |
| Cash dividends to net income (ytd only)* | 130.4348% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,220 |
| Loan loss allowance to noncurrent loans | 24,158.3333% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,842 |
| Noncurrent loans to loans | 0.0051% | 3,776 |
| Net loans and leases to total assets | 67.5600% | 2,097 |
| Net loans and leases to deposits | 73.0224% | 2,646 |
| Net loans and leases to core deposits | 78.4861% | 2,720 |
| Total domestic deposits to total assets | 92.5200% | 370 |
| Equity capital to assets | 6.8989% | 3,663 |
| Core capital (leverage) ratio | 10.3351% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $345,760,750 | 2,216 |
| Average earning assets | $335,382,000 | 2,158 |
| Average equity | $24,651,250 | 2,529 |
| Average total loans | $233,296,750 | 2,090 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 2,375 |
| Cost of funding earning assets | 0.9452% | 2,793 |
| Net interest margin | 3.6753% | 1,864 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5629% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8469% | 2,932 |
| Return on assets (ROA) | 0.8460% | 2,945 |
| Pretax return on assets | 1.3123% | 2,049 |
| Return on Equity (ROE) | 11.7400% | 2,236 |
| Retained earnings to average equity (ytd only) | -9.0215% | 4,496 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1151% | 2,222 |
| Assets per employee ($millions) | 6.4527% | 2,328 |
| Cash dividends to net income (ytd only)* | 176.8443% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,316 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.5700% | 1,902 |
| Net loans and leases to deposits | 74.3617% | 2,454 |
| Net loans and leases to core deposits | 79.0743% | 2,538 |
| Total domestic deposits to total assets | 92.2100% | 371 |
| Equity capital to assets | 7.2832% | 3,651 |
| Core capital (leverage) ratio | 10.4048% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $346,097,333 | 2,218 |
| Average earning assets | $335,805,000 | 2,159 |
| Average equity | $24,940,333 | 2,525 |
| Average total loans | $232,453,667 | 2,086 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 2,232 |
| Cost of funding earning assets | 0.8522% | 2,528 |
| Net interest margin | 3.6836% | 1,936 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5363% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3957% | 1,423 |
| Return on assets (ROA) | 0.6318% | 3,586 |
| Pretax return on assets | 0.6318% | 3,789 |
| Return on Equity (ROE) | 8.8100% | 3,101 |
| Retained earnings to average equity (ytd only) | -30.4388% | 4,638 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5049% | 2,389 |
| Assets per employee ($millions) | 6.9102% | 2,037 |
| Cash dividends to net income (ytd only)* | 445.4054% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,336 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.8300% | 2,075 |
| Net loans and leases to deposits | 71.0767% | 2,535 |
| Net loans and leases to core deposits | 74.6920% | 2,626 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 7.0241% | 3,816 |
| Core capital (leverage) ratio | 9.8644% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $351,376,000 | 2,228 |
| Average earning assets | $340,756,000 | 2,171 |
| Average equity | $25,191,500 | 2,536 |
| Average total loans | $232,217,000 | 2,108 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 1,953 |
| Cost of funding earning assets | 0.1817% | 3,896 |
| Net interest margin | 3.7332% | 1,297 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2304% | 2,943 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6052% | 685 |
| Return on assets (ROA) | 1.6054% | 653 |
| Pretax return on assets | 1.6066% | 1,156 |
| Return on Equity (ROE) | 20.0900% | 470 |
| Retained earnings to average equity (ytd only) | 9.1811% | 1,428 |
| Net charge-offs to loans | 0.1044% | 714 |
| Credit loss provision to net charge-offs | 74.6888% | 1,706 |
| Earnings coverage of net charge-offs (x) | 24.2531% | 1,798 |
| Efficiency ratio | 57.3700% | 3,419 |
| Assets per employee ($millions) | 7.1448% | 1,865 |
| Cash dividends to net income (ytd only)* | 54.2918% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,303 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 64.7400% | 2,172 |
| Net loans and leases to deposits | 70.0277% | 2,578 |
| Net loans and leases to core deposits | 72.5809% | 2,676 |
| Total domestic deposits to total assets | 92.4500% | 536 |
| Equity capital to assets | 7.3099% | 3,482 |
| Core capital (leverage) ratio | 10.2331% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $352,674,800 | 2,215 |
| Average earning assets | $343,510,400 | 2,138 |
| Average equity | $28,188,200 | 2,422 |
| Average total loans | $230,928,800 | 2,048 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 1,900 |
| Cost of funding earning assets | 0.1467% | 3,878 |
| Net interest margin | 3.6008% | 1,389 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.2567% | 2,771 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4709% | 909 |
| Return on assets (ROA) | 1.4709% | 891 |
| Pretax return on assets | 1.4724% | 1,491 |
| Return on Equity (ROE) | 18.0100% | 642 |
| Retained earnings to average equity (ytd only) | 8.5088% | 1,820 |
| Net charge-offs to loans | -0.0064% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7870% | 3,139 |
| Assets per employee ($millions) | 7.6382% | 1,524 |
| Cash dividends to net income (ytd only)* | 52.7592% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.5300% | 2,035 |
| Net loans and leases to deposits | 69.5302% | 2,405 |
| Net loans and leases to core deposits | 71.1243% | 2,558 |
| Total domestic deposits to total assets | 92.8100% | 631 |
| Equity capital to assets | 6.8862% | 3,574 |
| Core capital (leverage) ratio | 10.2794% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $351,533,250 | 2,235 |
| Average earning assets | $342,656,500 | 2,155 |
| Average equity | $28,706,750 | 2,425 |
| Average total loans | $230,127,750 | 2,051 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 1,818 |
| Cost of funding earning assets | 0.1516% | 3,553 |
| Net interest margin | 3.4572% | 1,426 |
| Noninterest income to average assets | 0.2651% | 3,588 |
| Noninterest expense to average assets | 2.3101% | 2,519 |
| Loan and lease loss provision to assets | 0.0512% | 1,662 |
| Net operating income to assets | 1.2736% | 1,212 |
| Return on assets (ROA) | 1.2736% | 1,198 |
| Pretax return on assets | 1.2759% | 1,827 |
| Return on Equity (ROE) | 14.8226% | 933 |
| Retained earnings to average equity (ytd only) | 4.3362% | 2,955 |
| Net charge-offs to loans | -0.0052% | 3,357 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5127% | 2,840 |
| Assets per employee ($millions) | 6.9941% | 1,943 |
| Cash dividends to net income (ytd only)* | 70.7459% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.8284% | 1,601 |
| Net loans and leases to deposits | 72.4091% | 1,996 |
| Net loans and leases to core deposits | 74.1557% | 2,156 |
| Total domestic deposits to total assets | 92.2929% | 729 |
| Equity capital to assets | 7.4233% | 3,518 |
| Core capital (leverage) ratio | 9.9499% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,592,000 | 2,247 |
| Average earning assets | $342,933,667 | 2,170 |
| Average equity | $30,210,667 | 2,410 |
| Average total loans | $230,240,000 | 2,050 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3913% | 2,111 |
| Cost of funding earning assets | 0.1593% | 3,387 |
| Net interest margin | 3.2320% | 1,776 |
| Noninterest income to average assets | 0.2470% | 3,665 |
| Noninterest expense to average assets | 2.2618% | 2,647 |
| Loan and lease loss provision to assets | 0.0668% | 1,223 |
| Net operating income to assets | 1.0781% | 1,593 |
| Return on assets (ROA) | 1.0781% | 1,589 |
| Pretax return on assets | 1.0781% | 2,217 |
| Return on Equity (ROE) | 11.7971% | 1,382 |
| Retained earnings to average equity (ytd only) | 4.8211% | 2,653 |
| Net charge-offs to loans | -0.0052% | 3,349 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3945% | 2,716 |
| Assets per employee ($millions) | 7.1507% | 1,889 |
| Cash dividends to net income (ytd only)* | 59.1331% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.2005% | 1,600 |
| Net loans and leases to deposits | 70.3272% | 1,935 |
| Net loans and leases to core deposits | 72.0176% | 2,109 |
| Total domestic deposits to total assets | 91.2884% | 895 |
| Equity capital to assets | 8.5100% | 3,153 |
| Core capital (leverage) ratio | 9.6473% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $359,530,500 | 2,208 |
| Average earning assets | $351,489,000 | 2,140 |
| Average equity | $32,855,500 | 2,337 |
| Average total loans | $231,678,000 | 2,035 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 2,191 |
| Cost of funding earning assets | 0.2282% | 3,157 |
| Net interest margin | 3.4440% | 1,895 |
| Noninterest income to average assets | 0.2572% | 3,835 |
| Noninterest expense to average assets | 2.0662% | 3,481 |
| Loan and lease loss provision to assets | 0.0691% | 1,696 |
| Net operating income to assets | 1.4772% | 1,070 |
| Return on assets (ROA) | 1.5218% | 1,008 |
| Pretax return on assets | 1.5229% | 1,643 |
| Return on Equity (ROE) | 15.1004% | 934 |
| Retained earnings to average equity (ytd only) | 5.1048% | 2,744 |
| Net charge-offs to loans | -0.0693% | 4,455 |
| Credit loss provision to net charge-offs | -156.8627% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1781% | 3,558 |
| Assets per employee ($millions) | 7.0888% | 1,870 |
| Cash dividends to net income (ytd only)* | 66.1940% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.0449% | 1,818 |
| Net loans and leases to deposits | 69.9326% | 2,140 |
| Net loans and leases to core deposits | 71.6844% | 2,288 |
| Total domestic deposits to total assets | 90.1510% | 885 |
| Equity capital to assets | 9.7600% | 2,886 |
| Core capital (leverage) ratio | 9.7848% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,553,200 | 2,212 |
| Average earning assets | $338,705,000 | 2,140 |
| Average equity | $35,025,600 | 2,292 |
| Average total loans | $220,771,000 | 2,097 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7246% | 2,207 |
| Cost of funding earning assets | 0.2443% | 3,171 |
| Net interest margin | 3.4803% | 1,927 |
| Noninterest income to average assets | 0.2608% | 3,840 |
| Noninterest expense to average assets | 2.1806% | 3,134 |
| Loan and lease loss provision to assets | 0.0698% | 1,618 |
| Net operating income to assets | 1.3982% | 1,550 |
| Return on assets (ROA) | 1.4582% | 1,427 |
| Pretax return on assets | 1.4598% | 2,113 |
| Return on Equity (ROE) | 14.3510% | 1,300 |
| Retained earnings to average equity (ytd only) | 2.9785% | 3,916 |
| Net charge-offs to loans | -0.0782% | 4,522 |
| Credit loss provision to net charge-offs | -140.6250% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7409% | 3,015 |
| Assets per employee ($millions) | 8.1005% | 1,232 |
| Cash dividends to net income (ytd only)* | 79.2453% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,741 |
| Loan loss allowance to noncurrent loans | 1,451.2821% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,752 |
| Noncurrent loans to loans | 0.0861% | 3,654 |
| Net loans and leases to total assets | 64.2155% | 1,743 |
| Net loans and leases to deposits | 71.6006% | 2,097 |
| Net loans and leases to core deposits | 73.5288% | 2,279 |
| Total domestic deposits to total assets | 89.6857% | 922 |
| Equity capital to assets | 10.1289% | 2,780 |
| Core capital (leverage) ratio | 9.6576% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,059,500 | 2,249 |
| Average earning assets | $335,063,000 | 2,181 |
| Average equity | $34,960,750 | 2,322 |
| Average total loans | $218,253,750 | 2,145 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 2,352 |
| Cost of funding earning assets | 0.2608% | 3,178 |
| Net interest margin | 3.4327% | 2,052 |
| Noninterest income to average assets | 0.2417% | 3,954 |
| Noninterest expense to average assets | 2.1836% | 3,142 |
| Loan and lease loss provision to assets | 0.0700% | 1,651 |
| Net operating income to assets | 1.3273% | 1,785 |
| Return on assets (ROA) | 1.3816% | 1,697 |
| Pretax return on assets | 1.3840% | 2,382 |
| Return on Equity (ROE) | 13.5824% | 1,542 |
| Retained earnings to average equity (ytd only) | 3.4601% | 3,700 |
| Net charge-offs to loans | -0.1142% | 4,665 |
| Credit loss provision to net charge-offs | -97.5610% | 3,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9383% | 2,880 |
| Assets per employee ($millions) | 7.2459% | 1,634 |
| Cash dividends to net income (ytd only)* | 74.5247% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.3972% | 2,250 |
| Net loans and leases to deposits | 68.3667% | 2,581 |
| Net loans and leases to core deposits | 70.2192% | 2,761 |
| Total domestic deposits to total assets | 89.8057% | 870 |
| Equity capital to assets | 10.0494% | 2,810 |
| Core capital (leverage) ratio | 9.6027% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,639,000 | 2,239 |
| Average earning assets | $333,559,667 | 2,178 |
| Average equity | $34,854,000 | 2,321 |
| Average total loans | $215,503,000 | 2,174 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 2,352 |
| Cost of funding earning assets | 0.2815% | 3,178 |
| Net interest margin | 3.4211% | 2,055 |
| Noninterest income to average assets | 0.2458% | 3,924 |
| Noninterest expense to average assets | 2.1832% | 3,159 |
| Loan and lease loss provision to assets | 0.0706% | 1,745 |
| Net operating income to assets | 1.3186% | 1,766 |
| Return on assets (ROA) | 1.3186% | 1,851 |
| Pretax return on assets | 1.3233% | 2,508 |
| Return on Equity (ROE) | 12.8832% | 1,703 |
| Retained earnings to average equity (ytd only) | 5.9876% | 2,906 |
| Net charge-offs to loans | -0.2231% | 4,803 |
| Credit loss provision to net charge-offs | -50.0000% | 2,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0326% | 2,908 |
| Assets per employee ($millions) | 7.2785% | 1,596 |
| Cash dividends to net income (ytd only)* | 53.5236% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.2913% | 2,367 |
| Net loans and leases to deposits | 68.0418% | 2,701 |
| Net loans and leases to core deposits | 70.0532% | 2,859 |
| Total domestic deposits to total assets | 90.0789% | 785 |
| Equity capital to assets | 9.7917% | 2,906 |
| Core capital (leverage) ratio | 9.8713% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,058,000 | 2,238 |
| Average earning assets | $331,117,000 | 2,172 |
| Average equity | $34,805,000 | 2,311 |
| Average total loans | $215,102,000 | 2,176 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,374 |
| Cost of funding earning assets | 0.4143% | 3,496 |
| Net interest margin | 3.7024% | 1,791 |
| Noninterest income to average assets | 0.2367% | 4,085 |
| Noninterest expense to average assets | 2.2176% | 3,633 |
| Loan and lease loss provision to assets | 0.0765% | 3,426 |
| Net operating income to assets | 1.5380% | 731 |
| Return on assets (ROA) | 1.5265% | 818 |
| Pretax return on assets | 1.5278% | 1,250 |
| Return on Equity (ROE) | 14.5211% | 712 |
| Retained earnings to average equity (ytd only) | 5.1829% | 2,197 |
| Net charge-offs to loans | 0.0223% | 2,605 |
| Credit loss provision to net charge-offs | 521.7391% | 1,219 |
| Earnings coverage of net charge-offs (x) | 110.2391% | 744 |
| Efficiency ratio | 57.8506% | 3,745 |
| Assets per employee ($millions) | 7.1902% | 1,452 |
| Cash dividends to net income (ytd only)* | 64.3081% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,044 |
| Loan loss allowance to noncurrent loans | 835.0993% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,866 |
| Noncurrent loans to loans | 0.1415% | 3,715 |
| Net loans and leases to total assets | 63.7488% | 2,397 |
| Net loans and leases to deposits | 71.4599% | 2,739 |
| Net loans and leases to core deposits | 73.6498% | 2,939 |
| Total domestic deposits to total assets | 89.2091% | 894 |
| Equity capital to assets | 10.7033% | 2,518 |
| Core capital (leverage) ratio | 10.0642% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,851,800 | 2,220 |
| Average earning assets | $304,885,800 | 2,147 |
| Average equity | $32,993,400 | 2,337 |
| Average total loans | $205,975,800 | 2,190 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,338 |
| Cost of funding earning assets | 0.4416% | 3,580 |
| Net interest margin | 3.7789% | 1,684 |
| Noninterest income to average assets | 0.2343% | 4,095 |
| Noninterest expense to average assets | 2.3490% | 3,289 |
| Loan and lease loss provision to assets | 0.0775% | 3,348 |
| Net operating income to assets | 1.4766% | 950 |
| Return on assets (ROA) | 1.4611% | 1,059 |
| Pretax return on assets | 1.4628% | 1,536 |
| Return on Equity (ROE) | 13.9663% | 884 |
| Retained earnings to average equity (ytd only) | 2.5562% | 3,704 |
| Net charge-offs to loans | 0.0007% | 3,222 |
| Credit loss provision to net charge-offs | 18,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 3,613.0000% | 20 |
| Efficiency ratio | 60.1566% | 3,372 |
| Assets per employee ($millions) | 6.8323% | 1,603 |
| Cash dividends to net income (ytd only)* | 81.6976% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,567 |
| Loan loss allowance to noncurrent loans | 622.0844% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,813 |
| Noncurrent loans to loans | 0.1958% | 3,608 |
| Net loans and leases to total assets | 61.9947% | 3,014 |
| Net loans and leases to deposits | 69.3565% | 3,364 |
| Net loans and leases to core deposits | 71.7025% | 3,499 |
| Total domestic deposits to total assets | 89.3855% | 624 |
| Equity capital to assets | 10.3827% | 2,886 |
| Core capital (leverage) ratio | 9.8950% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,627,250 | 2,222 |
| Average earning assets | $300,750,750 | 2,146 |
| Average equity | $32,391,500 | 2,350 |
| Average total loans | $204,127,000 | 2,202 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 1,795 |
| Cost of funding earning assets | 0.4640% | 3,723 |
| Net interest margin | 4.0778% | 1,163 |
| Noninterest income to average assets | 0.1509% | 4,546 |
| Noninterest expense to average assets | 2.4407% | 3,141 |
| Loan and lease loss provision to assets | 0.0791% | 3,305 |
| Net operating income to assets | 1.5841% | 785 |
| Return on assets (ROA) | 1.5604% | 897 |
| Pretax return on assets | 1.5630% | 1,313 |
| Return on Equity (ROE) | 14.8750% | 730 |
| Retained earnings to average equity (ytd only) | 1.1181% | 4,071 |
| Net charge-offs to loans | -0.0098% | 4,208 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4352% | 3,497 |
| Assets per employee ($millions) | 6.5593% | 1,735 |
| Cash dividends to net income (ytd only)* | 92.4831% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,614 |
| Loan loss allowance to noncurrent loans | 575.6440% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,859 |
| Noncurrent loans to loans | 0.2049% | 3,650 |
| Net loans and leases to total assets | 64.0653% | 2,871 |
| Net loans and leases to deposits | 71.6026% | 3,298 |
| Net loans and leases to core deposits | 73.7636% | 3,477 |
| Total domestic deposits to total assets | 89.4734% | 583 |
| Equity capital to assets | 10.3514% | 2,886 |
| Core capital (leverage) ratio | 10.0973% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,520,000 | 2,234 |
| Average earning assets | $294,426,333 | 2,159 |
| Average equity | $31,838,667 | 2,371 |
| Average total loans | $203,563,333 | 2,194 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 2,797 |
| Cost of funding earning assets | 0.4770% | 4,040 |
| Net interest margin | 3.8626% | 1,786 |
| Noninterest income to average assets | 0.1697% | 4,516 |
| Noninterest expense to average assets | 2.5827% | 3,032 |
| Loan and lease loss provision to assets | 0.0815% | 2,682 |
| Net operating income to assets | 1.2384% | 1,412 |
| Return on assets (ROA) | 1.1637% | 1,757 |
| Pretax return on assets | 1.1691% | 2,306 |
| Return on Equity (ROE) | 11.0144% | 1,406 |
| Retained earnings to average equity (ytd only) | 4.7296% | 2,403 |
| Net charge-offs to loans | -0.0219% | 4,361 |
| Credit loss provision to net charge-offs | -545.4545% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0876% | 2,948 |
| Assets per employee ($millions) | 6.2499% | 1,488 |
| Cash dividends to net income (ytd only)* | 57.0595% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,661 |
| Loan loss allowance to noncurrent loans | 571.1905% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,766 |
| Noncurrent loans to loans | 0.2104% | 3,722 |
| Net loans and leases to total assets | 67.1358% | 2,687 |
| Net loans and leases to deposits | 75.2346% | 3,148 |
| Net loans and leases to core deposits | 77.6425% | 3,379 |
| Total domestic deposits to total assets | 89.2352% | 573 |
| Equity capital to assets | 10.5844% | 3,245 |
| Core capital (leverage) ratio | 10.7228% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,577,500 | 2,241 |
| Average earning assets | $285,095,000 | 2,165 |
| Average equity | $31,123,000 | 2,393 |
| Average total loans | $201,161,500 | 2,175 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 3,269 |
| Cost of funding earning assets | 0.4450% | 4,285 |
| Net interest margin | 3.9507% | 1,994 |
| Noninterest income to average assets | 0.2894% | 3,957 |
| Noninterest expense to average assets | 2.4634% | 3,542 |
| Loan and lease loss provision to assets | 0.0697% | 2,609 |
| Net operating income to assets | 1.5406% | 961 |
| Return on assets (ROA) | 1.5340% | 1,031 |
| Pretax return on assets | 1.5354% | 1,697 |
| Return on Equity (ROE) | 14.9418% | 697 |
| Retained earnings to average equity (ytd only) | 5.9020% | 1,919 |
| Net charge-offs to loans | -0.0087% | 4,431 |
| Credit loss provision to net charge-offs | -1,176.4706% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4500% | 3,625 |
| Assets per employee ($millions) | 6.1544% | 1,514 |
| Cash dividends to net income (ytd only)* | 60.5000% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,708 |
| Loan loss allowance to noncurrent loans | 542.6573% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 3,572 |
| Noncurrent loans to loans | 0.2116% | 3,704 |
| Net loans and leases to total assets | 67.8339% | 2,701 |
| Net loans and leases to deposits | 75.9224% | 3,190 |
| Net loans and leases to core deposits | 78.0437% | 3,446 |
| Total domestic deposits to total assets | 89.3463% | 544 |
| Equity capital to assets | 10.5464% | 3,401 |
| Core capital (leverage) ratio | 10.6962% | 2,765 |
| Tier 1 risk-based capital ratio | 13.1232% | 3,729 |
| Total risk-based capital ratio | 14.1027% | 3,752 |
| Memoranda: | ||
| Average total assets | $286,837,200 | 2,243 |
| Average earning assets | $274,859,400 | 2,178 |
| Average equity | $29,447,600 | 2,425 |
| Average total loans | $196,338,400 | 2,192 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,338 |
| Cost of funding earning assets | 0.4313% | 4,396 |
| Net interest margin | 3.9742% | 2,039 |
| Noninterest income to average assets | 0.1686% | 4,711 |
| Noninterest expense to average assets | 2.5458% | 3,308 |
| Loan and lease loss provision to assets | 0.0843% | 2,222 |
| Net operating income to assets | 1.3380% | 1,685 |
| Return on assets (ROA) | 1.3291% | 1,802 |
| Pretax return on assets | 1.3310% | 2,563 |
| Return on Equity (ROE) | 13.0386% | 1,266 |
| Retained earnings to average equity (ytd only) | 2.7933% | 3,976 |
| Net charge-offs to loans | -0.0068% | 4,285 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1265% | 2,988 |
| Assets per employee ($millions) | 6.1172% | 1,520 |
| Cash dividends to net income (ytd only)* | 78.5764% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 1,548 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.2023% | 2,898 |
| Net loans and leases to deposits | 75.0815% | 3,375 |
| Net loans and leases to core deposits | 77.7748% | 3,568 |
| Total domestic deposits to total assets | 89.5057% | 444 |
| Equity capital to assets | 10.2348% | 3,788 |
| Core capital (leverage) ratio | 10.5711% | 3,037 |
| Tier 1 risk-based capital ratio | 13.0600% | 3,814 |
| Total risk-based capital ratio | 14.0598% | 3,847 |
| Memoranda: | ||
| Average total assets | $284,694,000 | 2,268 |
| Average earning assets | $272,319,250 | 2,211 |
| Average equity | $29,020,750 | 2,460 |
| Average total loans | $194,744,000 | 2,223 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 3,374 |
| Cost of funding earning assets | 0.4074% | 4,479 |
| Net interest margin | 3.9783% | 1,991 |
| Noninterest income to average assets | 0.1470% | 4,837 |
| Noninterest expense to average assets | 2.5962% | 3,206 |
| Loan and lease loss provision to assets | 0.1278% | 1,459 |
| Net operating income to assets | 1.2261% | 2,049 |
| Return on assets (ROA) | 1.2190% | 2,131 |
| Pretax return on assets | 1.2218% | 2,838 |
| Return on Equity (ROE) | 11.9748% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.2838% | 2,153 |
| Net charge-offs to loans | -0.0083% | 4,263 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6789% | 2,857 |
| Assets per employee ($millions) | 5.9407% | 1,585 |
| Cash dividends to net income (ytd only)* | 47.5248% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 1,433 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.0201% | 2,525 |
| Net loans and leases to deposits | 78.6770% | 3,095 |
| Net loans and leases to core deposits | 80.8394% | 3,354 |
| Total domestic deposits to total assets | 88.9970% | 661 |
| Equity capital to assets | 10.8368% | 3,235 |
| Core capital (leverage) ratio | 10.8283% | 2,763 |
| Tier 1 risk-based capital ratio | 13.0380% | 3,820 |
| Total risk-based capital ratio | 14.0256% | 3,863 |
| Memoranda: | ||
| Average total assets | $281,716,330 | 2,287 |
| Average earning assets | $269,509,670 | 2,234 |
| Average equity | $28,677,000 | 2,473 |
| Average total loans | $193,117,000 | 2,239 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 3,453 |
| Cost of funding earning assets | 0.3892% | 4,534 |
| Net interest margin | 3.9434% | 2,052 |
| Noninterest income to average assets | 0.0961% | 5,094 |
| Noninterest expense to average assets | 2.5968% | 3,224 |
| Loan and lease loss provision to assets | 0.1272% | 1,376 |
| Net operating income to assets | 1.1337% | 2,334 |
| Return on assets (ROA) | 1.1337% | 2,384 |
| Pretax return on assets | 1.1394% | 3,016 |
| Return on Equity (ROE) | 11.5038% | 1,734 |
| Retained earnings to average equity (ytd only) | 5.0490% | 2,887 |
| Net charge-offs to loans | 0.2327% | 616 |
| Credit loss provision to net charge-offs | 81.0811% | 1,776 |
| Earnings coverage of net charge-offs (x) | 8.0721% | 2,101 |
| Efficiency ratio | 67.2155% | 2,756 |
| Assets per employee ($millions) | 6.0166% | 1,530 |
| Cash dividends to net income (ytd only)* | 56.1097% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 1,376 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.6400% | 2,953 |
| Net loans and leases to deposits | 74.2162% | 3,434 |
| Net loans and leases to core deposits | 75.6684% | 3,679 |
| Total domestic deposits to total assets | 89.7918% | 529 |
| Equity capital to assets | 10.0590% | 3,768 |
| Core capital (leverage) ratio | 10.4986% | 3,053 |
| Tier 1 risk-based capital ratio | 13.0973% | 3,830 |
| Total risk-based capital ratio | 14.0157% | 3,900 |
| Memoranda: | ||
| Average total assets | $282,967,500 | 2,296 |
| Average earning assets | $270,328,000 | 2,241 |
| Average equity | $27,886,500 | 2,524 |
| Average total loans | $190,773,000 | 2,277 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 3,691 |
| Cost of funding earning assets | 0.2826% | 4,650 |
| Net interest margin | 3.8345% | 2,550 |
| Noninterest income to average assets | 0.1762% | 4,843 |
| Noninterest expense to average assets | 2.5297% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2923% | 1,839 |
| Return on assets (ROA) | 1.2923% | 1,824 |
| Pretax return on assets | 1.2938% | 2,522 |
| Return on Equity (ROE) | 13.4758% | 1,182 |
| Retained earnings to average equity (ytd only) | 7.6972% | 1,379 |
| Net charge-offs to loans | -0.0949% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1620% | 2,847 |
| Assets per employee ($millions) | 6.0245% | 1,501 |
| Cash dividends to net income (ytd only)* | 42.8816% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 1,253 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.7127% | 3,036 |
| Net loans and leases to deposits | 73.9013% | 3,511 |
| Net loans and leases to core deposits | 75.2565% | 3,769 |
| Total domestic deposits to total assets | 90.2728% | 393 |
| Equity capital to assets | 9.6513% | 4,008 |
| Core capital (leverage) ratio | 10.4451% | 3,089 |
| Tier 1 risk-based capital ratio | 13.2154% | 3,715 |
| Total risk-based capital ratio | 14.1626% | 3,785 |
| Memoranda: | ||
| Average total assets | $271,223,200 | 2,322 |
| Average earning assets | $257,975,200 | 2,278 |
| Average equity | $26,009,600 | 2,567 |
| Average total loans | $175,990,600 | 2,364 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,588 |
| Cost of funding earning assets | 0.2575% | 4,746 |
| Net interest margin | 3.8562% | 2,454 |
| Noninterest income to average assets | 0.2028% | 4,754 |
| Noninterest expense to average assets | 2.6647% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1989% | 2,244 |
| Return on assets (ROA) | 1.1989% | 2,247 |
| Pretax return on assets | 1.2004% | 2,980 |
| Return on Equity (ROE) | 12.5231% | 1,604 |
| Retained earnings to average equity (ytd only) | 7.0715% | 2,094 |
| Net charge-offs to loans | -0.1254% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9429% | 2,367 |
| Assets per employee ($millions) | 5.9666% | 1,513 |
| Cash dividends to net income (ytd only)* | 43.5325% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1943% | 1,176 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.4679% | 3,128 |
| Net loans and leases to deposits | 73.5503% | 3,639 |
| Net loans and leases to core deposits | 75.0119% | 3,878 |
| Total domestic deposits to total assets | 90.3706% | 388 |
| Equity capital to assets | 9.4224% | 4,164 |
| Core capital (leverage) ratio | 10.5056% | 3,081 |
| Tier 1 risk-based capital ratio | 13.2686% | 3,744 |
| Total risk-based capital ratio | 14.2384% | 3,822 |
| Memoranda: | ||
| Average total assets | $268,240,750 | 2,356 |
| Average earning assets | $254,749,000 | 2,317 |
| Average equity | $25,680,000 | 2,603 |
| Average total loans | $172,235,750 | 2,429 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,584 |
| Cost of funding earning assets | 0.2274% | 4,874 |
| Net interest margin | 3.8318% | 2,446 |
| Noninterest income to average assets | 0.2420% | 4,564 |
| Noninterest expense to average assets | 2.6855% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1895% | 2,242 |
| Return on assets (ROA) | 1.1895% | 2,240 |
| Pretax return on assets | 1.1910% | 2,971 |
| Return on Equity (ROE) | 12.3577% | 1,598 |
| Retained earnings to average equity (ytd only) | 7.6738% | 1,766 |
| Net charge-offs to loans | -0.1879% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2770% | 2,434 |
| Assets per employee ($millions) | 5.7511% | 1,684 |
| Cash dividends to net income (ytd only)* | 37.9027% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 1,069 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.5998% | 3,064 |
| Net loans and leases to deposits | 73.9138% | 3,542 |
| Net loans and leases to core deposits | 74.8060% | 3,824 |
| Total domestic deposits to total assets | 90.1047% | 536 |
| Equity capital to assets | 9.7196% | 3,900 |
| Core capital (leverage) ratio | 10.6580% | 2,858 |
| Tier 1 risk-based capital ratio | 13.3986% | 3,675 |
| Total risk-based capital ratio | 14.3891% | 3,741 |
| Memoranda: | ||
| Average total assets | $266,167,000 | 2,374 |
| Average earning assets | $252,468,000 | 2,339 |
| Average equity | $25,619,670 | 2,615 |
| Average total loans | $168,136,000 | 2,478 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,993 |
| Cost of funding earning assets | 0.2107% | 4,951 |
| Net interest margin | 3.6665% | 2,932 |
| Noninterest income to average assets | 0.2098% | 4,760 |
| Noninterest expense to average assets | 2.5605% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1147% | 2,357 |
| Return on assets (ROA) | 1.1147% | 2,380 |
| Pretax return on assets | 1.1162% | 3,110 |
| Return on Equity (ROE) | 11.6373% | 1,711 |
| Retained earnings to average equity (ytd only) | 7.7269% | 1,949 |
| Net charge-offs to loans | -0.0245% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6414% | 2,542 |
| Assets per employee ($millions) | 5.6327% | 1,817 |
| Cash dividends to net income (ytd only)* | 33.6022% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 1,044 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.1140% | 3,536 |
| Net loans and leases to deposits | 68.7717% | 3,897 |
| Net loans and leases to core deposits | 69.8072% | 4,092 |
| Total domestic deposits to total assets | 90.3191% | 536 |
| Equity capital to assets | 9.5706% | 4,022 |
| Core capital (leverage) ratio | 10.3507% | 3,115 |
| Tier 1 risk-based capital ratio | 13.9886% | 3,384 |
| Total risk-based capital ratio | 14.9668% | 3,440 |
| Memoranda: | ||
| Average total assets | $266,976,000 | 2,388 |
| Average earning assets | $252,447,500 | 2,352 |
| Average equity | $25,573,000 | 2,649 |
| Average total loans | $163,058,500 | 2,542 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 4,180 |
| Cost of funding earning assets | 0.1975% | 4,969 |
| Net interest margin | 3.5639% | 3,291 |
| Noninterest income to average assets | 0.2582% | 4,589 |
| Noninterest expense to average assets | 2.5888% | 3,481 |
| Loan and lease loss provision to assets | -0.0572% | 5,412 |
| Net operating income to assets | 1.0638% | 2,001 |
| Return on assets (ROA) | 1.0638% | 2,021 |
| Pretax return on assets | 1.0653% | 3,322 |
| Return on Equity (ROE) | 11.3358% | 1,380 |
| Retained earnings to average equity (ytd only) | 7.9908% | 768 |
| Net charge-offs to loans | -0.1781% | 5,502 |
| Credit loss provision to net charge-offs | 56.1798% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9724% | 2,232 |
| Assets per employee ($millions) | 5.7279% | 1,732 |
| Cash dividends to net income (ytd only)* | 29.5088% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3554% | 419 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 58.6075% | 3,958 |
| Net loans and leases to deposits | 64.8592% | 4,270 |
| Net loans and leases to core deposits | 66.4722% | 4,390 |
| Total domestic deposits to total assets | 90.3612% | 448 |
| Equity capital to assets | 9.5868% | 4,154 |
| Core capital (leverage) ratio | 10.1436% | 3,252 |
| Tier 1 risk-based capital ratio | 13.7590% | 3,490 |
| Total risk-based capital ratio | 14.7334% | 3,546 |
| Memoranda: | ||
| Average total assets | $262,171,800 | 2,398 |
| Average earning assets | $245,601,800 | 2,375 |
| Average equity | $24,603,400 | 2,701 |
| Average total loans | $149,946,600 | 2,655 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 4,340 |
| Cost of funding earning assets | 0.1931% | 5,032 |
| Net interest margin | 3.4982% | 3,507 |
| Noninterest income to average assets | 0.1828% | 5,104 |
| Noninterest expense to average assets | 2.6168% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8392% | 3,330 |
| Return on assets (ROA) | 0.8392% | 3,375 |
| Pretax return on assets | 0.8407% | 4,235 |
| Return on Equity (ROE) | 8.9922% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.4769% | 3,236 |
| Net charge-offs to loans | -0.0633% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6849% | 1,640 |
| Assets per employee ($millions) | 5.7047% | 1,711 |
| Cash dividends to net income (ytd only)* | 50.2137% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4627% | 443 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.9149% | 4,066 |
| Net loans and leases to deposits | 64.0711% | 4,375 |
| Net loans and leases to core deposits | 65.5777% | 4,513 |
| Total domestic deposits to total assets | 90.3917% | 352 |
| Equity capital to assets | 9.3954% | 4,550 |
| Core capital (leverage) ratio | 9.8655% | 3,739 |
| Tier 1 risk-based capital ratio | 13.3557% | 3,790 |
| Total risk-based capital ratio | 14.3190% | 3,871 |
| Memoranda: | ||
| Average total assets | $260,411,500 | 2,425 |
| Average earning assets | $243,778,500 | 2,411 |
| Average equity | $24,302,000 | 2,755 |
| Average total loans | $147,502,500 | 2,698 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,384 |
| Cost of funding earning assets | 0.1892% | 5,072 |
| Net interest margin | 3.4536% | 3,576 |
| Noninterest income to average assets | 0.2529% | 4,725 |
| Noninterest expense to average assets | 2.6660% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8137% | 3,342 |
| Return on assets (ROA) | 0.8137% | 3,393 |
| Pretax return on assets | 0.8152% | 4,217 |
| Return on Equity (ROE) | 8.7396% | 2,637 |
| Retained earnings to average equity (ytd only) | 1.8829% | 4,495 |
| Net charge-offs to loans | -0.0804% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5820% | 1,632 |
| Assets per employee ($millions) | 5.8707% | 1,560 |
| Cash dividends to net income (ytd only)* | 78.4557% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 394 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.8103% | 4,146 |
| Net loans and leases to deposits | 62.7520% | 4,449 |
| Net loans and leases to core deposits | 63.5655% | 4,635 |
| Total domestic deposits to total assets | 90.5315% | 346 |
| Equity capital to assets | 9.3254% | 4,593 |
| Core capital (leverage) ratio | 9.9206% | 3,634 |
| Tier 1 risk-based capital ratio | 13.3253% | 3,789 |
| Total risk-based capital ratio | 14.3023% | 3,882 |
| Memoranda: | ||
| Average total assets | $257,841,670 | 2,455 |
| Average earning assets | $241,027,000 | 2,439 |
| Average equity | $24,005,670 | 2,784 |
| Average total loans | $144,277,000 | 2,741 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 4,796 |
| Cost of funding earning assets | 0.1900% | 5,064 |
| Net interest margin | 3.2717% | 4,108 |
| Noninterest income to average assets | 0.2387% | 4,830 |
| Noninterest expense to average assets | 2.6952% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5984% | 4,169 |
| Return on assets (ROA) | 0.5984% | 4,220 |
| Pretax return on assets | 0.6000% | 4,733 |
| Return on Equity (ROE) | 6.4330% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.4330% | 2,118 |
| Net charge-offs to loans | -0.0484% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7922% | 1,185 |
| Assets per employee ($millions) | 5.6257% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,435 |
| Loan loss allowance to noncurrent loans | 173.6347% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 3.1976% | 297 |
| Noncurrent loans to loans | 0.7608% | 2,580 |
| Net loans and leases to total assets | 54.4082% | 4,308 |
| Net loans and leases to deposits | 60.1882% | 4,552 |
| Net loans and leases to core deposits | 61.0031% | 4,720 |
| Total domestic deposits to total assets | 90.3968% | 510 |
| Equity capital to assets | 9.4614% | 4,321 |
| Core capital (leverage) ratio | 10.0789% | 3,402 |
| Tier 1 risk-based capital ratio | 14.4665% | 3,223 |
| Total risk-based capital ratio | 15.4978% | 3,254 |
| Memoranda: | ||
| Average total assets | $254,672,000 | 2,507 |
| Average earning assets | $237,917,000 | 2,486 |
| Average equity | $23,690,500 | 2,826 |
| Average total loans | $140,432,000 | 2,813 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 5,089 |
| Cost of funding earning assets | 0.1958% | 5,057 |
| Net interest margin | 3.1488% | 4,588 |
| Noninterest income to average assets | 0.3227% | 4,433 |
| Noninterest expense to average assets | 2.7225% | 3,270 |
| Loan and lease loss provision to assets | -0.1219% | 5,713 |
| Net operating income to assets | 0.6514% | 3,990 |
| Return on assets (ROA) | 0.6562% | 4,090 |
| Pretax return on assets | 0.6550% | 4,638 |
| Return on Equity (ROE) | 6.7971% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.1146% | 2,978 |
| Net charge-offs to loans | -0.2596% | 5,779 |
| Credit loss provision to net charge-offs | 90.8012% | 2,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7480% | 1,033 |
| Assets per employee ($millions) | 5.8225% | 1,602 |
| Cash dividends to net income (ytd only)* | 39.4657% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,587 |
| Loan loss allowance to noncurrent loans | 169.3234% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 3.2160% | 284 |
| Noncurrent loans to loans | 0.7637% | 2,630 |
| Net loans and leases to total assets | 54.4348% | 4,401 |
| Net loans and leases to deposits | 59.9555% | 4,670 |
| Net loans and leases to core deposits | 60.7532% | 4,829 |
| Total domestic deposits to total assets | 90.7920% | 350 |
| Equity capital to assets | 9.1452% | 4,652 |
| Core capital (leverage) ratio | 9.8943% | 3,636 |
| Tier 1 risk-based capital ratio | 14.0721% | 3,425 |
| Total risk-based capital ratio | 15.0810% | 3,466 |
| Memoranda: | ||
| Average total assets | $250,983,400 | 2,498 |
| Average earning assets | $233,391,200 | 2,487 |
| Average equity | $24,231,000 | 2,782 |
| Average total loans | $129,811,800 | 2,924 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 5,173 |
| Cost of funding earning assets | 0.1964% | 5,109 |
| Net interest margin | 3.1324% | 4,692 |
| Noninterest income to average assets | 0.3359% | 4,380 |
| Noninterest expense to average assets | 2.8708% | 2,738 |
| Loan and lease loss provision to assets | -0.1634% | 5,848 |
| Net operating income to assets | 0.5431% | 4,523 |
| Return on assets (ROA) | 0.5495% | 4,605 |
| Pretax return on assets | 0.5479% | 5,011 |
| Return on Equity (ROE) | 5.6156% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.0683% | 4,659 |
| Net charge-offs to loans | -0.3308% | 5,846 |
| Credit loss provision to net charge-offs | 97.1429% | 2,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3629% | 656 |
| Assets per employee ($millions) | 5.7130% | 1,650 |
| Cash dividends to net income (ytd only)* | 63.1683% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,305 |
| Loan loss allowance to noncurrent loans | 164.8402% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 3.2958% | 322 |
| Noncurrent loans to loans | 0.8356% | 2,591 |
| Net loans and leases to total assets | 50.2694% | 4,801 |
| Net loans and leases to deposits | 55.8113% | 5,009 |
| Net loans and leases to core deposits | 56.4942% | 5,121 |
| Total domestic deposits to total assets | 90.0702% | 458 |
| Equity capital to assets | 9.7089% | 4,457 |
| Core capital (leverage) ratio | 9.8269% | 3,777 |
| Tier 1 risk-based capital ratio | 14.9627% | 3,070 |
| Total risk-based capital ratio | 16.0488% | 3,085 |
| Memoranda: | ||
| Average total assets | $249,682,000 | 2,514 |
| Average earning assets | $232,192,500 | 2,504 |
| Average equity | $24,431,500 | 2,786 |
| Average total loans | $126,944,000 | 2,972 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 5,190 |
| Cost of funding earning assets | 0.1981% | 5,166 |
| Net interest margin | 3.1505% | 4,690 |
| Noninterest income to average assets | 0.2937% | 4,680 |
| Noninterest expense to average assets | 2.8898% | 2,711 |
| Loan and lease loss provision to assets | -0.2476% | 5,958 |
| Net operating income to assets | 0.5752% | 4,374 |
| Return on assets (ROA) | 0.5817% | 4,469 |
| Pretax return on assets | 0.5793% | 4,944 |
| Return on Equity (ROE) | 5.9286% | 4,082 |
| Retained earnings to average equity (ytd only) | 0.5689% | 5,138 |
| Net charge-offs to loans | -0.4810% | 5,938 |
| Credit loss provision to net charge-offs | 101.3245% | 2,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8842% | 608 |
| Assets per employee ($millions) | 5.3370% | 1,947 |
| Cash dividends to net income (ytd only)* | 90.4033% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 2,218 |
| Loan loss allowance to noncurrent loans | 161.4414% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 3.5181% | 303 |
| Noncurrent loans to loans | 0.8776% | 2,541 |
| Net loans and leases to total assets | 50.7896% | 4,782 |
| Net loans and leases to deposits | 56.5406% | 4,981 |
| Net loans and leases to core deposits | 57.2669% | 5,111 |
| Total domestic deposits to total assets | 89.8286% | 554 |
| Equity capital to assets | 10.0399% | 4,175 |
| Core capital (leverage) ratio | 9.9285% | 3,651 |
| Tier 1 risk-based capital ratio | 15.2963% | 2,940 |
| Total risk-based capital ratio | 16.4125% | 2,933 |
| Memoranda: | ||
| Average total assets | $247,214,330 | 2,556 |
| Average earning assets | $229,231,670 | 2,542 |
| Average equity | $24,255,330 | 2,809 |
| Average total loans | $125,578,670 | 3,005 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3538% | 5,219 |
| Cost of funding earning assets | 0.1988% | 5,215 |
| Net interest margin | 3.1549% | 4,719 |
| Noninterest income to average assets | -0.0274% | 6,092 |
| Noninterest expense to average assets | 2.8524% | 2,877 |
| Loan and lease loss provision to assets | -0.4934% | 6,083 |
| Net operating income to assets | 0.5369% | 4,477 |
| Return on assets (ROA) | 0.5482% | 4,534 |
| Pretax return on assets | 0.5418% | 4,977 |
| Return on Equity (ROE) | 5.6528% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.6528% | 2,556 |
| Net charge-offs to loans | -0.8407% | 6,033 |
| Credit loss provision to net charge-offs | 116.3498% | 1,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7165% | 324 |
| Assets per employee ($millions) | 5.3191% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,552 |
| Loan loss allowance to noncurrent loans | 155.6838% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 4.1801% | 230 |
| Noncurrent loans to loans | 0.8811% | 2,642 |
| Net loans and leases to total assets | 50.4166% | 4,768 |
| Net loans and leases to deposits | 56.0051% | 4,988 |
| Net loans and leases to core deposits | 56.7089% | 5,103 |
| Total domestic deposits to total assets | 90.0215% | 589 |
| Equity capital to assets | 9.8093% | 4,330 |
| Core capital (leverage) ratio | 10.0389% | 3,489 |
| Tier 1 risk-based capital ratio | 15.0457% | 3,134 |
| Total risk-based capital ratio | 16.1080% | 3,160 |
| Memoranda: | ||
| Average total assets | $248,071,000 | 2,560 |
| Average earning assets | $229,354,000 | 2,555 |
| Average equity | $24,059,000 | 2,827 |
| Average total loans | $125,127,500 | 3,013 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 5,040 |
| Cost of funding earning assets | 0.2191% | 5,103 |
| Net interest margin | 3.2326% | 4,523 |
| Noninterest income to average assets | 0.2861% | 4,841 |
| Noninterest expense to average assets | 2.8258% | 3,129 |
| Loan and lease loss provision to assets | -0.3094% | 6,067 |
| Net operating income to assets | 0.7426% | 3,606 |
| Return on assets (ROA) | 0.7639% | 3,591 |
| Pretax return on assets | 0.7656% | 4,313 |
| Return on Equity (ROE) | 8.1638% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.5214% | 1,527 |
| Net charge-offs to loans | -0.1414% | 5,876 |
| Credit loss provision to net charge-offs | 431.4286% | 715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6642% | 944 |
| Assets per employee ($millions) | 5.1280% | 2,203 |
| Cash dividends to net income (ytd only)* | 20.1180% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,147 |
| Loan loss allowance to noncurrent loans | 109.5790% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 4.5782% | 203 |
| Noncurrent loans to loans | 1.3384% | 1,756 |
| Net loans and leases to total assets | 49.0223% | 4,942 |
| Net loans and leases to deposits | 54.2646% | 5,150 |
| Net loans and leases to core deposits | 54.9541% | 5,260 |
| Total domestic deposits to total assets | 90.3394% | 485 |
| Equity capital to assets | 9.5858% | 4,455 |
| Core capital (leverage) ratio | 9.8906% | 3,657 |
| Tier 1 risk-based capital ratio | 15.9699% | 2,700 |
| Total risk-based capital ratio | 17.1412% | 2,676 |
| Memoranda: | ||
| Average total assets | $244,005,600 | 2,546 |
| Average earning assets | $224,523,200 | 2,553 |
| Average equity | $22,832,400 | 2,893 |
| Average total loans | $123,754,400 | 2,994 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4061% | 5,192 |
| Cost of funding earning assets | 0.2227% | 5,155 |
| Net interest margin | 3.1835% | 4,719 |
| Noninterest income to average assets | 0.1380% | 5,797 |
| Noninterest expense to average assets | 2.8712% | 2,934 |
| Loan and lease loss provision to assets | -0.2081% | 6,104 |
| Net operating income to assets | 0.4014% | 5,156 |
| Return on assets (ROA) | 0.4299% | 5,135 |
| Pretax return on assets | 0.4315% | 5,393 |
| Return on Equity (ROE) | 4.6226% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.4143% | 4,667 |
| Net charge-offs to loans | -0.1204% | 5,855 |
| Credit loss provision to net charge-offs | 339.2857% | 863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6417% | 500 |
| Assets per employee ($millions) | 5.0997% | 2,177 |
| Cash dividends to net income (ytd only)* | 47.7710% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 1,545 |
| Loan loss allowance to noncurrent loans | 154.4322% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 4.4696% | 247 |
| Noncurrent loans to loans | 1.0834% | 2,317 |
| Net loans and leases to total assets | 50.6109% | 4,883 |
| Net loans and leases to deposits | 55.9606% | 5,125 |
| Net loans and leases to core deposits | 56.6109% | 5,276 |
| Total domestic deposits to total assets | 90.4403% | 405 |
| Equity capital to assets | 9.3694% | 4,918 |
| Core capital (leverage) ratio | 9.5957% | 4,170 |
| Tier 1 risk-based capital ratio | 15.1971% | 3,187 |
| Total risk-based capital ratio | 16.4489% | 3,124 |
| Memoranda: | ||
| Average total assets | $243,470,750 | 2,569 |
| Average earning assets | $223,943,500 | 2,576 |
| Average equity | $22,641,750 | 2,929 |
| Average total loans | $124,077,500 | 3,010 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 5,171 |
| Cost of funding earning assets | 0.2266% | 5,175 |
| Net interest margin | 3.1993% | 4,666 |
| Noninterest income to average assets | -0.0699% | 6,294 |
| Noninterest expense to average assets | 2.8836% | 2,953 |
| Loan and lease loss provision to assets | -0.3127% | 6,232 |
| Net operating income to assets | 0.2968% | 5,447 |
| Return on assets (ROA) | 0.3473% | 5,411 |
| Pretax return on assets | 0.3497% | 5,576 |
| Return on Equity (ROE) | 3.7438% | 5,120 |
| Retained earnings to average equity (ytd only) | 0.4170% | 5,378 |
| Net charge-offs to loans | -0.0373% | 5,419 |
| Credit loss provision to net charge-offs | 1,652.1739% | 223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4875% | 310 |
| Assets per employee ($millions) | 4.9787% | 2,304 |
| Cash dividends to net income (ytd only)* | 88.8626% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,983 |
| Loan loss allowance to noncurrent loans | 100.7485% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 4.8904% | 236 |
| Noncurrent loans to loans | 1.5649% | 1,687 |
| Net loans and leases to total assets | 52.7415% | 4,681 |
| Net loans and leases to deposits | 58.3189% | 4,972 |
| Net loans and leases to core deposits | 59.0122% | 5,134 |
| Total domestic deposits to total assets | 90.4363% | 477 |
| Equity capital to assets | 9.3787% | 4,811 |
| Core capital (leverage) ratio | 9.5382% | 4,232 |
| Tier 1 risk-based capital ratio | 14.8063% | 3,468 |
| Total risk-based capital ratio | 16.0572% | 3,399 |
| Memoranda: | ||
| Average total assets | $243,032,000 | 2,592 |
| Average earning assets | $223,301,000 | 2,596 |
| Average equity | $22,544,000 | 2,951 |
| Average total loans | $123,437,670 | 3,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,343 |
| Cost of funding earning assets | 0.2307% | 5,207 |
| Net interest margin | 3.1108% | 4,918 |
| Noninterest income to average assets | -0.5941% | 6,401 |
| Noninterest expense to average assets | 2.8254% | 3,156 |
| Loan and lease loss provision to assets | -0.6203% | 6,362 |
| Net operating income to assets | 0.0614% | 5,942 |
| Return on assets (ROA) | 0.1583% | 5,844 |
| Pretax return on assets | 0.1600% | 5,884 |
| Return on Equity (ROE) | 1.7161% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.7161% | 4,787 |
| Net charge-offs to loans | -0.0099% | 4,719 |
| Credit loss provision to net charge-offs | 12,666.6667% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6220% | 103 |
| Assets per employee ($millions) | 5.2327% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,889 |
| Loan loss allowance to noncurrent loans | 92.5463% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 4.7752% | 267 |
| Noncurrent loans to loans | 1.7811% | 1,525 |
| Net loans and leases to total assets | 48.4974% | 4,985 |
| Net loans and leases to deposits | 53.5416% | 5,230 |
| Net loans and leases to core deposits | 54.1211% | 5,362 |
| Total domestic deposits to total assets | 90.5788% | 501 |
| Equity capital to assets | 9.2480% | 5,030 |
| Core capital (leverage) ratio | 9.3965% | 4,439 |
| Tier 1 risk-based capital ratio | 17.7857% | 2,207 |
| Total risk-based capital ratio | 19.0386% | 2,164 |
| Memoranda: | ||
| Average total assets | $245,059,500 | 2,598 |
| Average earning assets | $225,411,000 | 2,593 |
| Average equity | $22,609,500 | 2,965 |
| Average total loans | $121,127,000 | 3,076 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 5,347 |
| Cost of funding earning assets | 0.2537% | 5,284 |
| Net interest margin | 3.2339% | 4,818 |
| Noninterest income to average assets | 0.5649% | 3,090 |
| Noninterest expense to average assets | 2.9427% | 3,022 |
| Loan and lease loss provision to assets | -0.2863% | 6,359 |
| Net operating income to assets | 0.8736% | 3,001 |
| Return on assets (ROA) | 0.8720% | 3,096 |
| Pretax return on assets | 0.8720% | 3,992 |
| Return on Equity (ROE) | 10.3372% | 1,971 |
| Retained earnings to average equity (ytd only) | 8.4086% | 867 |
| Net charge-offs to loans | 0.4196% | 1,012 |
| Credit loss provision to net charge-offs | -145.4545% | 5,573 |
| Earnings coverage of net charge-offs (x) | 2.9835% | 4,013 |
| Efficiency ratio | 83.3621% | 1,483 |
| Assets per employee ($millions) | 5.3083% | 1,947 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 1,179 |
| Loan loss allowance to noncurrent loans | 88.3929% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 5.0138% | 277 |
| Noncurrent loans to loans | 2.2218% | 1,195 |
| Net loans and leases to total assets | 48.5728% | 5,109 |
| Net loans and leases to deposits | 53.5445% | 5,367 |
| Net loans and leases to core deposits | 54.1266% | 5,495 |
| Total domestic deposits to total assets | 90.7148% | 458 |
| Equity capital to assets | 9.2041% | 5,068 |
| Core capital (leverage) ratio | 9.4518% | 4,303 |
| Tier 1 risk-based capital ratio | 15.7973% | 3,062 |
| Total risk-based capital ratio | 17.0522% | 3,003 |
| Memoranda: | ||
| Average total assets | $245,866,400 | 2,563 |
| Average earning assets | $225,424,600 | 2,571 |
| Average equity | $20,740,600 | 3,079 |
| Average total loans | $115,349,400 | 3,119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 5,440 |
| Cost of funding earning assets | 0.2594% | 5,310 |
| Net interest margin | 3.2210% | 4,891 |
| Noninterest income to average assets | 0.5571% | 3,154 |
| Noninterest expense to average assets | 3.0219% | 2,729 |
| Loan and lease loss provision to assets | -0.2815% | 6,448 |
| Net operating income to assets | 0.7682% | 3,576 |
| Return on assets (ROA) | 0.7660% | 3,687 |
| Pretax return on assets | 0.7660% | 4,482 |
| Return on Equity (ROE) | 9.2905% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.6642% | 2,004 |
| Net charge-offs to loans | -0.0199% | 5,609 |
| Credit loss provision to net charge-offs | 3,058.8235% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1287% | 1,169 |
| Assets per employee ($millions) | 5.0561% | 2,175 |
| Cash dividends to net income (ytd only)* | 28.2685% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 555 |
| Loan loss allowance to noncurrent loans | 167.0852% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 4.6519% | 386 |
| Noncurrent loans to loans | 1.5661% | 2,077 |
| Net loans and leases to total assets | 46.9394% | 5,298 |
| Net loans and leases to deposits | 51.5648% | 5,556 |
| Net loans and leases to core deposits | 51.8424% | 5,692 |
| Total domestic deposits to total assets | 91.0299% | 355 |
| Equity capital to assets | 8.7118% | 5,630 |
| Core capital (leverage) ratio | 9.1187% | 4,899 |
| Tier 1 risk-based capital ratio | 15.4733% | 3,339 |
| Total risk-based capital ratio | 16.7344% | 3,272 |
| Memoranda: | ||
| Average total assets | $246,287,000 | 2,572 |
| Average earning assets | $225,682,250 | 2,583 |
| Average equity | $20,307,000 | 3,137 |
| Average total loans | $113,941,000 | 3,168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,546 |
| Cost of funding earning assets | 0.2605% | 5,382 |
| Net interest margin | 3.1785% | 5,017 |
| Noninterest income to average assets | 0.5625% | 3,031 |
| Noninterest expense to average assets | 3.0345% | 2,711 |
| Loan and lease loss provision to assets | -0.4202% | 6,566 |
| Net operating income to assets | 0.8566% | 3,035 |
| Return on assets (ROA) | 0.8518% | 3,165 |
| Pretax return on assets | 0.8518% | 4,073 |
| Return on Equity (ROE) | 10.5251% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.5307% | 2,015 |
| Net charge-offs to loans | -0.0283% | 5,664 |
| Credit loss provision to net charge-offs | 3,250.0000% | 110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4272% | 1,143 |
| Assets per employee ($millions) | 4.9382% | 2,293 |
| Cash dividends to net income (ytd only)* | 37.9507% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6670% | 556 |
| Loan loss allowance to noncurrent loans | 154.4674% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 4.7274% | 397 |
| Noncurrent loans to loans | 1.7266% | 1,999 |
| Net loans and leases to total assets | 46.1517% | 5,347 |
| Net loans and leases to deposits | 50.6164% | 5,591 |
| Net loans and leases to core deposits | 51.1670% | 5,725 |
| Total domestic deposits to total assets | 91.1792% | 353 |
| Equity capital to assets | 8.6410% | 5,676 |
| Core capital (leverage) ratio | 8.9730% | 5,058 |
| Tier 1 risk-based capital ratio | 15.3212% | 3,460 |
| Total risk-based capital ratio | 16.5821% | 3,403 |
| Memoranda: | ||
| Average total assets | $247,484,670 | 2,567 |
| Average earning assets | $226,457,000 | 2,577 |
| Average equity | $20,028,330 | 3,163 |
| Average total loans | $112,928,000 | 3,189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 5,733 |
| Cost of funding earning assets | 0.2620% | 5,466 |
| Net interest margin | 3.0973% | 5,262 |
| Noninterest income to average assets | 0.5754% | 2,883 |
| Noninterest expense to average assets | 3.0307% | 2,764 |
| Loan and lease loss provision to assets | -0.8312% | 6,695 |
| Net operating income to assets | 1.2068% | 1,469 |
| Return on assets (ROA) | 1.2084% | 1,525 |
| Pretax return on assets | 1.2116% | 2,439 |
| Return on Equity (ROE) | 15.4380% | 714 |
| Retained earnings to average equity (ytd only) | 15.4380% | 301 |
| Net charge-offs to loans | -0.0536% | 5,827 |
| Credit loss provision to net charge-offs | 3,466.6667% | 108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 1,141 |
| Assets per employee ($millions) | 5.5342% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7460% | 589 |
| Loan loss allowance to noncurrent loans | 151.8868% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 4.5064% | 485 |
| Noncurrent loans to loans | 1.8079% | 2,123 |
| Net loans and leases to total assets | 42.5566% | 5,623 |
| Net loans and leases to deposits | 46.3026% | 5,830 |
| Net loans and leases to core deposits | 46.7764% | 5,948 |
| Total domestic deposits to total assets | 91.9096% | 271 |
| Equity capital to assets | 7.9179% | 6,106 |
| Core capital (leverage) ratio | 8.8850% | 5,159 |
| Tier 1 risk-based capital ratio | 15.5991% | 3,379 |
| Total risk-based capital ratio | 16.8606% | 3,336 |
| Memoranda: | ||
| Average total assets | $250,240,000 | 2,553 |
| Average earning assets | $228,974,000 | 2,567 |
| Average equity | $19,588,000 | 3,215 |
| Average total loans | $112,024,500 | 3,220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 5,181 |
| Cost of funding earning assets | 0.3267% | 5,359 |
| Net interest margin | 3.3570% | 4,454 |
| Noninterest income to average assets | 0.6054% | 3,063 |
| Noninterest expense to average assets | 3.0491% | 2,901 |
| Loan and lease loss provision to assets | -0.3288% | 6,688 |
| Net operating income to assets | 0.9325% | 2,633 |
| Return on assets (ROA) | 1.0784% | 2,086 |
| Pretax return on assets | 1.0805% | 3,026 |
| Return on Equity (ROE) | 14.1413% | 918 |
| Retained earnings to average equity (ytd only) | 14.1413% | 195 |
| Net charge-offs to loans | -0.1521% | 6,565 |
| Credit loss provision to net charge-offs | 467.8363% | 493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4252% | 1,696 |
| Assets per employee ($millions) | 5.1230% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1637% | 387 |
| Loan loss allowance to noncurrent loans | 169.9571% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 4.8323% | 497 |
| Noncurrent loans to loans | 1.8615% | 2,154 |
| Net loans and leases to total assets | 44.3617% | 5,644 |
| Net loans and leases to deposits | 48.1385% | 5,887 |
| Net loans and leases to core deposits | 48.6464% | 5,996 |
| Total domestic deposits to total assets | 92.1543% | 257 |
| Equity capital to assets | 7.7343% | 6,171 |
| Core capital (leverage) ratio | 8.7232% | 5,391 |
| Tier 1 risk-based capital ratio | 14.6291% | 3,885 |
| Total risk-based capital ratio | 15.8941% | 3,817 |
| Memoranda: | ||
| Average total assets | $243,317,000 | 2,593 |
| Average earning assets | $221,028,600 | 2,606 |
| Average equity | $18,555,600 | 3,334 |
| Average total loans | $112,445,000 | 3,201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 5,372 |
| Cost of funding earning assets | 0.3428% | 5,360 |
| Net interest margin | 3.2823% | 4,708 |
| Noninterest income to average assets | 0.6549% | 2,856 |
| Noninterest expense to average assets | 3.2070% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4236% | 5,146 |
| Return on assets (ROA) | 0.6181% | 4,393 |
| Pretax return on assets | 0.6198% | 4,953 |
| Return on Equity (ROE) | 8.1344% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.1344% | 1,359 |
| Net charge-offs to loans | -0.1542% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2922% | 1,139 |
| Assets per employee ($millions) | 5.0782% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0202% | 235 |
| Loan loss allowance to noncurrent loans | 90.4961% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 6.1305% | 386 |
| Noncurrent loans to loans | 4.4424% | 741 |
| Net loans and leases to total assets | 43.2417% | 5,796 |
| Net loans and leases to deposits | 46.8414% | 6,046 |
| Net loans and leases to core deposits | 47.2967% | 6,153 |
| Total domestic deposits to total assets | 92.3151% | 202 |
| Equity capital to assets | 7.3803% | 6,431 |
| Core capital (leverage) ratio | 8.2663% | 6,002 |
| Tier 1 risk-based capital ratio | 14.5201% | 4,062 |
| Total risk-based capital ratio | 15.7938% | 4,000 |
| Memoranda: | ||
| Average total assets | $242,669,750 | 2,615 |
| Average earning assets | $220,126,750 | 2,631 |
| Average equity | $18,439,750 | 3,381 |
| Average total loans | $112,393,250 | 3,220 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 5,080 |
| Cost of funding earning assets | 0.3649% | 5,269 |
| Net interest margin | 3.3560% | 4,356 |
| Noninterest income to average assets | 0.6852% | 2,716 |
| Noninterest expense to average assets | 3.2836% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4451% | 5,038 |
| Return on assets (ROA) | 0.7352% | 3,794 |
| Pretax return on assets | 0.7377% | 4,549 |
| Return on Equity (ROE) | 9.5861% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.5861% | 945 |
| Net charge-offs to loans | -0.0824% | 6,448 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0053% | 1,219 |
| Assets per employee ($millions) | 5.2972% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7098% | 317 |
| Loan loss allowance to noncurrent loans | 88.0582% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 6.1541% | 436 |
| Noncurrent loans to loans | 4.2129% | 885 |
| Net loans and leases to total assets | 46.1674% | 5,514 |
| Net loans and leases to deposits | 50.0368% | 5,838 |
| Net loans and leases to core deposits | 50.5231% | 5,994 |
| Total domestic deposits to total assets | 92.2668% | 214 |
| Equity capital to assets | 7.5016% | 6,439 |
| Core capital (leverage) ratio | 8.0734% | 6,127 |
| Tier 1 risk-based capital ratio | 13.9040% | 4,486 |
| Total risk-based capital ratio | 15.1756% | 4,439 |
| Memoranda: | ||
| Average total assets | $244,000,670 | 2,618 |
| Average earning assets | $221,457,330 | 2,621 |
| Average equity | $18,714,670 | 3,366 |
| Average total loans | $114,014,000 | 3,192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 4,693 |
| Cost of funding earning assets | 0.3948% | 5,158 |
| Net interest margin | 3.4416% | 3,955 |
| Noninterest income to average assets | 0.5154% | 3,674 |
| Noninterest expense to average assets | 3.4552% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1669% | 5,988 |
| Return on assets (ROA) | 0.1669% | 6,089 |
| Pretax return on assets | 0.1685% | 6,138 |
| Return on Equity (ROE) | 2.1536% | 5,890 |
| Retained earnings to average equity (ytd only) | 2.1536% | 4,926 |
| Net charge-offs to loans | -0.0773% | 6,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3488% | 759 |
| Assets per employee ($millions) | 5.4622% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6970% | 359 |
| Loan loss allowance to noncurrent loans | 85.3584% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 6.7938% | 422 |
| Noncurrent loans to loans | 4.3312% | 992 |
| Net loans and leases to total assets | 44.6690% | 5,592 |
| Net loans and leases to deposits | 48.4992% | 5,886 |
| Net loans and leases to core deposits | 49.0362% | 6,031 |
| Total domestic deposits to total assets | 92.1024% | 231 |
| Equity capital to assets | 7.7076% | 6,520 |
| Core capital (leverage) ratio | 7.6142% | 6,411 |
| Tier 1 risk-based capital ratio | 12.8351% | 5,353 |
| Total risk-based capital ratio | 14.1053% | 5,279 |
| Memoranda: | ||
| Average total assets | $246,813,000 | 2,615 |
| Average earning assets | $222,918,000 | 2,637 |
| Average equity | $19,131,000 | 3,358 |
| Average total loans | $113,875,000 | 3,209 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 5,689 |
| Cost of funding earning assets | 0.5710% | 4,630 |
| Net interest margin | 3.2882% | 5,286 |
| Noninterest income to average assets | 0.0432% | 6,717 |
| Noninterest expense to average assets | 2.9482% | 3,474 |
| Loan and lease loss provision to assets | 0.3249% | 2,098 |
| Net operating income to assets | -0.2655% | 6,416 |
| Return on assets (ROA) | 0.2713% | 5,780 |
| Pretax return on assets | 0.2733% | 5,872 |
| Return on Equity (ROE) | 3.5716% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.5716% | 3,697 |
| Net charge-offs to loans | 0.1926% | 3,833 |
| Credit loss provision to net charge-offs | 364.1256% | 670 |
| Earnings coverage of net charge-offs (x) | 0.6278% | 5,172 |
| Efficiency ratio | 98.1353% | 627 |
| Assets per employee ($millions) | 5.3876% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6865% | 362 |
| Loan loss allowance to noncurrent loans | 95.5343% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 6.5396% | 505 |
| Noncurrent loans to loans | 3.8588% | 1,253 |
| Net loans and leases to total assets | 44.2027% | 5,798 |
| Net loans and leases to deposits | 47.9975% | 6,111 |
| Net loans and leases to core deposits | 48.8203% | 6,220 |
| Total domestic deposits to total assets | 92.0937% | 231 |
| Equity capital to assets | 7.7945% | 6,507 |
| Core capital (leverage) ratio | 7.5647% | 6,467 |
| Tier 1 risk-based capital ratio | 12.9496% | 5,144 |
| Total risk-based capital ratio | 14.2202% | 5,067 |
| Memoranda: | ||
| Average total assets | $249,912,000 | 2,531 |
| Average earning assets | $225,044,400 | 2,569 |
| Average equity | $18,983,000 | 3,337 |
| Average total loans | $115,803,400 | 3,166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 6,092 |
| Cost of funding earning assets | 0.6021% | 4,626 |
| Net interest margin | 3.1667% | 5,780 |
| Noninterest income to average assets | -0.0277% | 6,981 |
| Noninterest expense to average assets | 3.0522% | 3,052 |
| Loan and lease loss provision to assets | 0.3642% | 1,787 |
| Net operating income to assets | -0.5857% | 6,738 |
| Return on assets (ROA) | 0.1448% | 6,195 |
| Pretax return on assets | 0.1469% | 6,209 |
| Return on Equity (ROE) | 1.9189% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.9189% | 5,370 |
| Net charge-offs to loans | 0.2109% | 3,468 |
| Credit loss provision to net charge-offs | 371.7391% | 727 |
| Earnings coverage of net charge-offs (x) | -2.3152% | 5,660 |
| Efficiency ratio | 108.0271% | 339 |
| Assets per employee ($millions) | 5.4575% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5958% | 427 |
| Loan loss allowance to noncurrent loans | 82.2775% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 7.2182% | 489 |
| Noncurrent loans to loans | 4.3703% | 1,102 |
| Net loans and leases to total assets | 44.8025% | 5,892 |
| Net loans and leases to deposits | 48.8456% | 6,203 |
| Net loans and leases to core deposits | 49.6915% | 6,297 |
| Total domestic deposits to total assets | 91.7227% | 245 |
| Equity capital to assets | 7.8819% | 6,644 |
| Core capital (leverage) ratio | 7.3482% | 6,697 |
| Tier 1 risk-based capital ratio | 12.7288% | 5,458 |
| Total risk-based capital ratio | 13.9986% | 5,407 |
| Memoranda: | ||
| Average total assets | $250,432,750 | 2,551 |
| Average earning assets | $225,632,000 | 2,581 |
| Average equity | $18,899,500 | 3,375 |
| Average total loans | $116,319,250 | 3,197 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 6,253 |
| Cost of funding earning assets | 0.6317% | 4,613 |
| Net interest margin | 3.1179% | 5,953 |
| Noninterest income to average assets | -0.0167% | 7,022 |
| Noninterest expense to average assets | 3.0661% | 3,030 |
| Loan and lease loss provision to assets | 0.5428% | 1,139 |
| Net operating income to assets | -0.8092% | 6,862 |
| Return on assets (ROA) | 0.2254% | 6,032 |
| Pretax return on assets | 0.2277% | 6,103 |
| Return on Equity (ROE) | 3.0298% | 5,683 |
| Retained earnings to average equity (ytd only) | 3.0298% | 4,621 |
| Net charge-offs to loans | 0.3469% | 2,630 |
| Credit loss provision to net charge-offs | 336.9458% | 870 |
| Earnings coverage of net charge-offs (x) | -1.7044% | 5,365 |
| Efficiency ratio | 109.8351% | 333 |
| Assets per employee ($millions) | 5.2857% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6673% | 439 |
| Loan loss allowance to noncurrent loans | 98.8625% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 6.9433% | 572 |
| Noncurrent loans to loans | 3.7095% | 1,528 |
| Net loans and leases to total assets | 43.1940% | 6,092 |
| Net loans and leases to deposits | 46.9050% | 6,378 |
| Net loans and leases to core deposits | 47.7529% | 6,477 |
| Total domestic deposits to total assets | 92.0883% | 212 |
| Equity capital to assets | 7.6823% | 6,722 |
| Core capital (leverage) ratio | 7.2899% | 6,723 |
| Tier 1 risk-based capital ratio | 12.8070% | 5,331 |
| Total risk-based capital ratio | 14.0768% | 5,287 |
| Memoranda: | ||
| Average total assets | $252,048,000 | 2,530 |
| Average earning assets | $227,012,330 | 2,561 |
| Average equity | $18,747,000 | 3,393 |
| Average total loans | $117,048,000 | 3,197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 6,321 |
| Cost of funding earning assets | 0.6603% | 4,633 |
| Net interest margin | 3.1020% | 6,032 |
| Noninterest income to average assets | 0.7012% | 2,661 |
| Noninterest expense to average assets | 3.1136% | 2,875 |
| Loan and lease loss provision to assets | 0.0378% | 4,913 |
| Net operating income to assets | 0.3388% | 5,521 |
| Return on assets (ROA) | 0.3813% | 5,523 |
| Pretax return on assets | 0.3829% | 5,772 |
| Return on Equity (ROE) | 5.2105% | 4,688 |
| Retained earnings to average equity (ytd only) | 5.2105% | 3,429 |
| Net charge-offs to loans | -0.5706% | 7,157 |
| Credit loss provision to net charge-offs | -14.0351% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1697% | 1,161 |
| Assets per employee ($millions) | 5.2925% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2163% | 674 |
| Loan loss allowance to noncurrent loans | 53.8789% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 7.8078% | 503 |
| Noncurrent loans to loans | 5.9695% | 840 |
| Net loans and leases to total assets | 45.0004% | 5,894 |
| Net loans and leases to deposits | 48.7270% | 6,250 |
| Net loans and leases to core deposits | 49.5830% | 6,365 |
| Total domestic deposits to total assets | 92.3520% | 211 |
| Equity capital to assets | 7.4146% | 6,813 |
| Core capital (leverage) ratio | 7.2066% | 6,764 |
| Tier 1 risk-based capital ratio | 12.1165% | 5,885 |
| Total risk-based capital ratio | 13.3825% | 5,855 |
| Memoranda: | ||
| Average total assets | $253,858,000 | 2,531 |
| Average earning assets | $228,367,000 | 2,558 |
| Average equity | $18,578,000 | 3,411 |
| Average total loans | $119,876,500 | 3,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 5,010 |
| Cost of funding earning assets | 0.8353% | 4,586 |
| Net interest margin | 3.6806% | 4,384 |
| Noninterest income to average assets | -0.1958% | 7,157 |
| Noninterest expense to average assets | 3.1305% | 3,095 |
| Loan and lease loss provision to assets | 0.2903% | 3,344 |
| Net operating income to assets | -0.2899% | 6,338 |
| Return on assets (ROA) | 0.0626% | 6,050 |
| Pretax return on assets | 0.0646% | 6,027 |
| Return on Equity (ROE) | 0.9057% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.9057% | 5,440 |
| Net charge-offs to loans | 2.1075% | 635 |
| Credit loss provision to net charge-offs | 25.4243% | 5,849 |
| Earnings coverage of net charge-offs (x) | -0.0074% | 5,833 |
| Efficiency ratio | 100.2716% | 662 |
| Assets per employee ($millions) | 5.2849% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9630% | 844 |
| Loan loss allowance to noncurrent loans | 46.2111% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 8.1139% | 494 |
| Noncurrent loans to loans | 6.4118% | 738 |
| Net loans and leases to total assets | 46.5282% | 5,961 |
| Net loans and leases to deposits | 50.2694% | 6,344 |
| Net loans and leases to core deposits | 51.2608% | 6,464 |
| Total domestic deposits to total assets | 92.5578% | 175 |
| Equity capital to assets | 7.2218% | 6,895 |
| Core capital (leverage) ratio | 7.1671% | 6,806 |
| Tier 1 risk-based capital ratio | 11.8033% | 5,957 |
| Total risk-based capital ratio | 13.0670% | 5,929 |
| Memoranda: | ||
| Average total assets | $247,695,400 | 2,545 |
| Average earning assets | $223,275,800 | 2,576 |
| Average equity | $17,113,000 | 3,561 |
| Average total loans | $134,184,400 | 2,917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 4,536 |
| Cost of funding earning assets | 0.8704% | 4,634 |
| Net interest margin | 3.8130% | 3,806 |
| Noninterest income to average assets | 0.2491% | 5,835 |
| Noninterest expense to average assets | 3.2786% | 2,564 |
| Loan and lease loss provision to assets | 0.1700% | 4,343 |
| Net operating income to assets | 0.2383% | 5,594 |
| Return on assets (ROA) | 0.4316% | 5,047 |
| Pretax return on assets | 0.4338% | 5,362 |
| Return on Equity (ROE) | 6.3210% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.3210% | 2,353 |
| Net charge-offs to loans | 1.2185% | 1,280 |
| Credit loss provision to net charge-offs | 25.0199% | 5,488 |
| Earnings coverage of net charge-offs (x) | 0.6040% | 5,171 |
| Efficiency ratio | 88.8726% | 1,261 |
| Assets per employee ($millions) | 5.3632% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6591% | 503 |
| Loan loss allowance to noncurrent loans | 43.2677% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 9.7390% | 380 |
| Noncurrent loans to loans | 8.4569% | 499 |
| Net loans and leases to total assets | 49.8441% | 5,720 |
| Net loans and leases to deposits | 54.1299% | 6,204 |
| Net loans and leases to core deposits | 55.3121% | 6,364 |
| Total domestic deposits to total assets | 92.0824% | 202 |
| Equity capital to assets | 7.4943% | 6,932 |
| Core capital (leverage) ratio | 7.0269% | 6,954 |
| Tier 1 risk-based capital ratio | 10.6564% | 6,720 |
| Total risk-based capital ratio | 11.9265% | 6,696 |
| Memoranda: | ||
| Average total assets | $246,200,250 | 2,574 |
| Average earning assets | $222,114,500 | 2,601 |
| Average equity | $16,811,250 | 3,615 |
| Average total loans | $137,321,750 | 2,874 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 3,972 |
| Cost of funding earning assets | 0.9018% | 4,651 |
| Net interest margin | 3.9246% | 3,192 |
| Noninterest income to average assets | 0.5396% | 3,564 |
| Noninterest expense to average assets | 3.2255% | 2,821 |
| Loan and lease loss provision to assets | 0.1670% | 4,262 |
| Net operating income to assets | 0.6903% | 3,589 |
| Return on assets (ROA) | 0.7951% | 3,225 |
| Pretax return on assets | 0.7976% | 4,041 |
| Return on Equity (ROE) | 12.0486% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.0486% | 513 |
| Net charge-offs to loans | 1.7318% | 822 |
| Credit loss provision to net charge-offs | 16.8734% | 5,177 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 4,641 |
| Efficiency ratio | 78.9537% | 2,569 |
| Assets per employee ($millions) | 5.3257% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4512% | 616 |
| Loan loss allowance to noncurrent loans | 47.2881% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 9.6285% | 423 |
| Noncurrent loans to loans | 7.2982% | 683 |
| Net loans and leases to total assets | 53.7627% | 5,328 |
| Net loans and leases to deposits | 58.1759% | 5,918 |
| Net loans and leases to core deposits | 59.4071% | 6,146 |
| Total domestic deposits to total assets | 92.4141% | 175 |
| Equity capital to assets | 7.3169% | 7,027 |
| Core capital (leverage) ratio | 7.2168% | 6,910 |
| Tier 1 risk-based capital ratio | 10.0260% | 6,964 |
| Total risk-based capital ratio | 11.2934% | 6,956 |
| Memoranda: | ||
| Average total assets | $244,243,670 | 2,610 |
| Average earning assets | $220,662,000 | 2,640 |
| Average equity | $16,118,000 | 3,712 |
| Average total loans | $139,624,330 | 2,854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 3,391 |
| Cost of funding earning assets | 0.9466% | 4,596 |
| Net interest margin | 3.9871% | 2,738 |
| Noninterest income to average assets | 0.5970% | 3,190 |
| Noninterest expense to average assets | 3.1082% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0727% | 1,939 |
| Return on assets (ROA) | 1.0710% | 1,997 |
| Pretax return on assets | 1.0727% | 2,859 |
| Return on Equity (ROE) | 17.1678% | 547 |
| Retained earnings to average equity (ytd only) | 17.1678% | 268 |
| Net charge-offs to loans | 2.3763% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7807% | 4,055 |
| Efficiency ratio | 74.3137% | 3,463 |
| Assets per employee ($millions) | 5.3506% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5116% | 598 |
| Loan loss allowance to noncurrent loans | 50.9247% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 9.2363% | 466 |
| Noncurrent loans to loans | 6.8956% | 818 |
| Net loans and leases to total assets | 54.4128% | 5,242 |
| Net loans and leases to deposits | 58.3262% | 5,897 |
| Net loans and leases to core deposits | 60.1638% | 6,083 |
| Total domestic deposits to total assets | 93.2904% | 112 |
| Equity capital to assets | 6.3813% | 7,239 |
| Core capital (leverage) ratio | 7.1153% | 6,953 |
| Tier 1 risk-based capital ratio | 9.6681% | 7,105 |
| Total risk-based capital ratio | 10.9358% | 7,112 |
| Memoranda: | ||
| Average total assets | $243,874,500 | 2,629 |
| Average earning assets | $219,309,500 | 2,671 |
| Average equity | $15,214,500 | 3,861 |
| Average total loans | $141,228,000 | 2,862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 4,714 |
| Cost of funding earning assets | 1.2960% | 3,909 |
| Net interest margin | 3.6705% | 4,490 |
| Noninterest income to average assets | 0.1085% | 6,851 |
| Noninterest expense to average assets | 3.1517% | 3,267 |
| Loan and lease loss provision to assets | 2.0668% | 625 |
| Net operating income to assets | -1.8538% | 7,015 |
| Return on assets (ROA) | -1.6388% | 6,975 |
| Pretax return on assets | -1.6368% | 6,909 |
| Return on Equity (ROE) | -21.6422% | 7,070 |
| Retained earnings to average equity (ytd only) | -21.6422% | 7,046 |
| Net charge-offs to loans | 2.2614% | 856 |
| Credit loss provision to net charge-offs | 147.3699% | 2,487 |
| Earnings coverage of net charge-offs (x) | 0.1533% | 5,959 |
| Efficiency ratio | 93.6138% | 1,080 |
| Assets per employee ($millions) | 5.1409% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9768% | 417 |
| Loan loss allowance to noncurrent loans | 61.1147% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 9.0331% | 496 |
| Noncurrent loans to loans | 6.5071% | 922 |
| Net loans and leases to total assets | 57.0910% | 5,174 |
| Net loans and leases to deposits | 60.9615% | 5,958 |
| Net loans and leases to core deposits | 63.1241% | 6,139 |
| Total domestic deposits to total assets | 93.6509% | 101 |
| Equity capital to assets | 6.0934% | 7,330 |
| Core capital (leverage) ratio | 6.8180% | 7,103 |
| Tier 1 risk-based capital ratio | 9.2897% | 7,186 |
| Total risk-based capital ratio | 10.5634% | 7,186 |
| Memoranda: | ||
| Average total assets | $253,479,600 | 2,511 |
| Average earning assets | $225,008,000 | 2,568 |
| Average equity | $19,194,000 | 3,258 |
| Average total loans | $157,205,000 | 2,653 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 5,180 |
| Cost of funding earning assets | 1.3668% | 3,796 |
| Net interest margin | 3.5520% | 5,104 |
| Noninterest income to average assets | 0.5823% | 3,564 |
| Noninterest expense to average assets | 3.1169% | 3,253 |
| Loan and lease loss provision to assets | 2.0677% | 565 |
| Net operating income to assets | -1.4495% | 7,094 |
| Return on assets (ROA) | -1.4100% | 7,101 |
| Pretax return on assets | -1.4079% | 7,017 |
| Return on Equity (ROE) | -17.8021% | 7,175 |
| Retained earnings to average equity (ytd only) | -17.8021% | 7,156 |
| Net charge-offs to loans | 1.9959% | 946 |
| Credit loss provision to net charge-offs | 165.4326% | 2,266 |
| Earnings coverage of net charge-offs (x) | 0.4963% | 5,526 |
| Efficiency ratio | 83.4029% | 1,902 |
| Assets per employee ($millions) | 5.0136% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6958% | 473 |
| Loan loss allowance to noncurrent loans | 39.0438% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 11.2988% | 311 |
| Noncurrent loans to loans | 9.4657% | 477 |
| Net loans and leases to total assets | 59.4214% | 5,017 |
| Net loans and leases to deposits | 64.7469% | 5,817 |
| Net loans and leases to core deposits | 66.9288% | 6,045 |
| Total domestic deposits to total assets | 91.7749% | 233 |
| Equity capital to assets | 7.9039% | 6,867 |
| Core capital (leverage) ratio | 7.3058% | 7,001 |
| Tier 1 risk-based capital ratio | 9.6349% | 7,215 |
| Total risk-based capital ratio | 10.9086% | 7,195 |
| Memoranda: | ||
| Average total assets | $256,443,750 | 2,524 |
| Average earning assets | $227,770,250 | 2,586 |
| Average equity | $20,311,750 | 3,147 |
| Average total loans | $160,591,750 | 2,647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 5,386 |
| Cost of funding earning assets | 1.4473% | 3,578 |
| Net interest margin | 3.4520% | 5,435 |
| Noninterest income to average assets | 0.6207% | 3,191 |
| Noninterest expense to average assets | 3.0811% | 3,389 |
| Loan and lease loss provision to assets | 1.7398% | 720 |
| Net operating income to assets | -1.1345% | 7,003 |
| Return on assets (ROA) | -1.0845% | 6,996 |
| Pretax return on assets | -1.0829% | 6,927 |
| Return on Equity (ROE) | -13.6827% | 7,098 |
| Retained earnings to average equity (ytd only) | -13.6827% | 7,059 |
| Net charge-offs to loans | 1.6150% | 1,177 |
| Credit loss provision to net charge-offs | 171.2339% | 2,286 |
| Earnings coverage of net charge-offs (x) | 0.5973% | 5,141 |
| Efficiency ratio | 83.5454% | 1,975 |
| Assets per employee ($millions) | 5.1027% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1090% | 756 |
| Loan loss allowance to noncurrent loans | 29.8857% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 10.4442% | 366 |
| Noncurrent loans to loans | 10.4031% | 414 |
| Net loans and leases to total assets | 61.9462% | 4,694 |
| Net loans and leases to deposits | 67.6022% | 5,605 |
| Net loans and leases to core deposits | 70.1782% | 5,856 |
| Total domestic deposits to total assets | 91.6335% | 307 |
| Equity capital to assets | 8.0985% | 6,655 |
| Core capital (leverage) ratio | 7.5445% | 6,790 |
| Tier 1 risk-based capital ratio | 10.2099% | 6,902 |
| Total risk-based capital ratio | 11.4765% | 6,868 |
| Memoranda: | ||
| Average total assets | $260,037,000 | 2,504 |
| Average earning assets | $231,057,000 | 2,576 |
| Average equity | $20,610,000 | 3,092 |
| Average total loans | $163,596,000 | 2,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 5,333 |
| Cost of funding earning assets | 1.5056% | 3,514 |
| Net interest margin | 3.4191% | 5,505 |
| Noninterest income to average assets | 0.7048% | 2,565 |
| Noninterest expense to average assets | 3.0305% | 3,565 |
| Loan and lease loss provision to assets | 1.4217% | 836 |
| Net operating income to assets | -0.7123% | 6,961 |
| Return on assets (ROA) | -0.6656% | 6,968 |
| Pretax return on assets | -0.6641% | 6,880 |
| Return on Equity (ROE) | -8.4846% | 7,077 |
| Retained earnings to average equity (ytd only) | -8.4846% | 6,865 |
| Net charge-offs to loans | 2.1588% | 788 |
| Credit loss provision to net charge-offs | 105.4871% | 3,251 |
| Earnings coverage of net charge-offs (x) | 0.5274% | 4,564 |
| Efficiency ratio | 81.0004% | 2,411 |
| Assets per employee ($millions) | 5.2797% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5193% | 1,269 |
| Loan loss allowance to noncurrent loans | 38.1871% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 7.6497% | 655 |
| Noncurrent loans to loans | 6.5972% | 941 |
| Net loans and leases to total assets | 59.7741% | 5,154 |
| Net loans and leases to deposits | 66.4625% | 5,772 |
| Net loans and leases to core deposits | 68.7618% | 6,025 |
| Total domestic deposits to total assets | 89.9365% | 1,019 |
| Equity capital to assets | 7.8637% | 6,795 |
| Core capital (leverage) ratio | 7.8016% | 6,503 |
| Tier 1 risk-based capital ratio | 10.5379% | 6,600 |
| Total risk-based capital ratio | 11.7880% | 6,585 |
| Memoranda: | ||
| Average total assets | $265,039,000 | 2,516 |
| Average earning assets | $235,381,500 | 2,586 |
| Average equity | $20,790,500 | 3,089 |
| Average total loans | $165,466,000 | 2,681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 5,162 |
| Cost of funding earning assets | 1.8522% | 3,726 |
| Net interest margin | 3.4506% | 5,166 |
| Noninterest income to average assets | 0.1139% | 7,187 |
| Noninterest expense to average assets | 2.8082% | 4,947 |
| Loan and lease loss provision to assets | 1.2327% | 1,865 |
| Net operating income to assets | -0.8209% | 6,453 |
| Return on assets (ROA) | -0.5401% | 6,217 |
| Pretax return on assets | -0.5386% | 6,046 |
| Return on Equity (ROE) | -6.6369% | 6,355 |
| Retained earnings to average equity (ytd only) | -6.6369% | 6,208 |
| Net charge-offs to loans | 1.0438% | 2,321 |
| Credit loss provision to net charge-offs | 180.4796% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.6051% | 5,497 |
| Efficiency ratio | 87.1704% | 1,975 |
| Assets per employee ($millions) | 5.1172% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 1,371 |
| Loan loss allowance to noncurrent loans | 29.1471% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 7.4887% | 646 |
| Noncurrent loans to loans | 8.1764% | 604 |
| Net loans and leases to total assets | 62.0198% | 4,989 |
| Net loans and leases to deposits | 68.8429% | 5,742 |
| Net loans and leases to core deposits | 79.9518% | 6,105 |
| Total domestic deposits to total assets | 90.0888% | 919 |
| Equity capital to assets | 7.8251% | 6,742 |
| Core capital (leverage) ratio | 7.8891% | 6,335 |
| Tier 1 risk-based capital ratio | 10.5573% | 6,337 |
| Total risk-based capital ratio | 11.8076% | 6,321 |
| Memoranda: | ||
| Average total assets | $262,520,400 | 2,493 |
| Average earning assets | $236,425,200 | 2,541 |
| Average equity | $21,365,400 | 3,034 |
| Average total loans | $171,768,800 | 2,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4370% | 4,756 |
| Cost of funding earning assets | 1.9299% | 3,720 |
| Net interest margin | 3.5071% | 4,830 |
| Noninterest income to average assets | 0.4587% | 4,836 |
| Noninterest expense to average assets | 2.8911% | 4,493 |
| Loan and lease loss provision to assets | 1.4310% | 1,340 |
| Net operating income to assets | -0.7023% | 6,604 |
| Return on assets (ROA) | -0.4943% | 6,421 |
| Pretax return on assets | -0.4928% | 6,288 |
| Return on Equity (ROE) | -6.0150% | 6,556 |
| Retained earnings to average equity (ytd only) | -6.0150% | 6,389 |
| Net charge-offs to loans | 0.4917% | 3,261 |
| Credit loss provision to net charge-offs | 441.5094% | 898 |
| Earnings coverage of net charge-offs (x) | 2.2531% | 4,134 |
| Efficiency ratio | 79.8339% | 2,873 |
| Assets per employee ($millions) | 5.2996% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8533% | 749 |
| Loan loss allowance to noncurrent loans | 36.6931% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 7.5229% | 593 |
| Noncurrent loans to loans | 7.7762% | 648 |
| Net loans and leases to total assets | 61.1347% | 5,401 |
| Net loans and leases to deposits | 68.5147% | 6,084 |
| Net loans and leases to core deposits | 79.1021% | 6,413 |
| Total domestic deposits to total assets | 89.2286% | 1,096 |
| Equity capital to assets | 8.5448% | 6,194 |
| Core capital (leverage) ratio | 7.9070% | 6,493 |
| Tier 1 risk-based capital ratio | 10.7122% | 6,235 |
| Total risk-based capital ratio | 11.9761% | 6,192 |
| Memoranda: | ||
| Average total assets | $261,627,000 | 2,516 |
| Average earning assets | $235,933,750 | 2,561 |
| Average equity | $21,501,250 | 3,032 |
| Average total loans | $172,446,000 | 2,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 4,768 |
| Cost of funding earning assets | 2.0246% | 3,657 |
| Net interest margin | 3.4477% | 4,992 |
| Noninterest income to average assets | 0.4560% | 4,812 |
| Noninterest expense to average assets | 2.7408% | 5,217 |
| Loan and lease loss provision to assets | 0.3823% | 3,627 |
| Net operating income to assets | 0.4468% | 4,305 |
| Return on assets (ROA) | 0.6672% | 3,507 |
| Pretax return on assets | 0.6687% | 4,104 |
| Return on Equity (ROE) | 8.2288% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.2288% | 1,140 |
| Net charge-offs to loans | -0.1744% | 8,017 |
| Credit loss provision to net charge-offs | -327.6316% | 7,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7412% | 3,560 |
| Assets per employee ($millions) | 5.3055% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 1,900 |
| Loan loss allowance to noncurrent loans | 36.2862% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 5.6626% | 880 |
| Noncurrent loans to loans | 5.1073% | 1,185 |
| Net loans and leases to total assets | 63.3364% | 5,115 |
| Net loans and leases to deposits | 70.6508% | 5,917 |
| Net loans and leases to core deposits | 80.2729% | 6,386 |
| Total domestic deposits to total assets | 89.6471% | 986 |
| Equity capital to assets | 8.1461% | 6,564 |
| Core capital (leverage) ratio | 7.8941% | 6,496 |
| Tier 1 risk-based capital ratio | 10.1828% | 6,734 |
| Total risk-based capital ratio | 11.4368% | 6,659 |
| Memoranda: | ||
| Average total assets | $260,509,670 | 2,541 |
| Average earning assets | $235,404,670 | 2,569 |
| Average equity | $21,121,000 | 3,080 |
| Average total loans | $174,344,000 | 2,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6739% | 3,924 |
| Cost of funding earning assets | 2.0757% | 3,764 |
| Net interest margin | 3.5982% | 4,323 |
| Noninterest income to average assets | 0.4619% | 4,662 |
| Noninterest expense to average assets | 2.6492% | 5,222 |
| Loan and lease loss provision to assets | 0.7218% | 1,776 |
| Net operating income to assets | 0.3789% | 4,950 |
| Return on assets (ROA) | 0.5183% | 4,535 |
| Pretax return on assets | 0.5198% | 5,021 |
| Return on Equity (ROE) | 6.4084% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.4084% | 2,457 |
| Net charge-offs to loans | 0.4202% | 2,427 |
| Credit loss provision to net charge-offs | 251.9126% | 1,865 |
| Earnings coverage of net charge-offs (x) | 3.8470% | 3,044 |
| Efficiency ratio | 70.6177% | 4,448 |
| Assets per employee ($millions) | 4.9944% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 2,338 |
| Loan loss allowance to noncurrent loans | 30.0935% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 6.0106% | 659 |
| Noncurrent loans to loans | 5.4590% | 949 |
| Net loans and leases to total assets | 66.0252% | 4,581 |
| Net loans and leases to deposits | 73.6677% | 5,525 |
| Net loans and leases to core deposits | 82.2211% | 6,222 |
| Total domestic deposits to total assets | 89.6256% | 960 |
| Equity capital to assets | 8.0868% | 6,689 |
| Core capital (leverage) ratio | 8.0326% | 6,404 |
| Tier 1 risk-based capital ratio | 9.9211% | 7,012 |
| Total risk-based capital ratio | 11.1727% | 6,905 |
| Memoranda: | ||
| Average total assets | $255,473,500 | 2,589 |
| Average earning assets | $233,559,000 | 2,603 |
| Average equity | $20,660,500 | 3,157 |
| Average total loans | $174,209,500 | 2,666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 5,572 |
| Cost of funding earning assets | 2.4410% | 4,522 |
| Net interest margin | 3.5524% | 5,088 |
| Noninterest income to average assets | 0.5864% | 3,959 |
| Noninterest expense to average assets | 2.6624% | 5,405 |
| Loan and lease loss provision to assets | 0.9085% | 1,644 |
| Net operating income to assets | 0.2845% | 5,591 |
| Return on assets (ROA) | 0.3158% | 5,309 |
| Pretax return on assets | 0.3178% | 5,470 |
| Return on Equity (ROE) | 4.0133% | 4,821 |
| Retained earnings to average equity (ytd only) | 1.0313% | 4,606 |
| Net charge-offs to loans | 1.9390% | 564 |
| Credit loss provision to net charge-offs | 65.1103% | 6,160 |
| Earnings coverage of net charge-offs (x) | 0.8562% | 5,711 |
| Efficiency ratio | 69.0259% | 4,529 |
| Assets per employee ($millions) | 4.7404% | 2,265 |
| Cash dividends to net income (ytd only)* | 74.3038% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 2,770 |
| Loan loss allowance to noncurrent loans | 35.9766% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 5.0318% | 687 |
| Noncurrent loans to loans | 4.1291% | 1,177 |
| Net loans and leases to total assets | 68.2602% | 4,418 |
| Net loans and leases to deposits | 76.1880% | 5,567 |
| Net loans and leases to core deposits | 83.1315% | 6,374 |
| Total domestic deposits to total assets | 89.5944% | 811 |
| Equity capital to assets | 8.0875% | 6,719 |
| Core capital (leverage) ratio | 8.1455% | 6,260 |
| Tier 1 risk-based capital ratio | 9.9449% | 6,802 |
| Total risk-based capital ratio | 11.1949% | 6,693 |
| Memoranda: | ||
| Average total assets | $250,191,200 | 2,563 |
| Average earning assets | $230,353,400 | 2,554 |
| Average equity | $19,684,400 | 3,278 |
| Average total loans | $180,042,200 | 2,496 |