Home > Northeast Bank > Performance and Condition Ratios
Northeast 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 | 4.4807% | 3,125 |
| Cost of funding earning assets | 0.7998% | 3,732 |
| Net interest margin | 3.6808% | 1,797 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.4352% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3095% | 1,417 |
| Return on assets (ROA) | 1.3139% | 1,372 |
| Pretax return on assets | 1.3139% | 1,835 |
| Return on Equity (ROE) | 20.4300% | 576 |
| Retained earnings to average equity (ytd only) | 7.9570% | 1,550 |
| Net charge-offs to loans | -0.0617% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0301% | 2,476 |
| Assets per employee ($millions) | 10.8386% | 554 |
| Cash dividends to net income (ytd only)* | 61.0473% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,384 |
| Loan loss allowance to noncurrent loans | 4,408.6957% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 3,651 |
| Noncurrent loans to loans | 0.0224% | 3,584 |
| Net loans and leases to total assets | 68.0900% | 2,025 |
| Net loans and leases to deposits | 81.6208% | 1,978 |
| Net loans and leases to core deposits | 87.6202% | 2,204 |
| Total domestic deposits to total assets | 83.4300% | 2,772 |
| Equity capital to assets | 7.1831% | 3,863 |
| Core capital (leverage) ratio | 9.7958% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5339% | 2,052 |
| Memoranda: | ||
| Average total assets | $722,334,400 | 1,273 |
| Average earning assets | $702,887,400 | 1,225 |
| Average equity | $46,462,200 | 1,695 |
| Average total loans | $489,824,200 | 1,251 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 3,046 |
| Cost of funding earning assets | 0.7095% | 3,746 |
| Net interest margin | 3.7173% | 1,743 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.3649% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4161% | 1,284 |
| Return on assets (ROA) | 1.4271% | 1,241 |
| Pretax return on assets | 1.4271% | 1,721 |
| Return on Equity (ROE) | 22.8800% | 496 |
| Retained earnings to average equity (ytd only) | 8.2092% | 1,885 |
| Net charge-offs to loans | -0.0612% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.5474% | 2,656 |
| Assets per employee ($millions) | 10.5231% | 571 |
| Cash dividends to net income (ytd only)* | 64.1263% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,340 |
| Loan loss allowance to noncurrent loans | 2,198.2379% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,487 |
| Noncurrent loans to loans | 0.0457% | 3,431 |
| Net loans and leases to total assets | 68.7600% | 1,969 |
| Net loans and leases to deposits | 75.6114% | 2,448 |
| Net loans and leases to core deposits | 79.3617% | 2,648 |
| Total domestic deposits to total assets | 90.9400% | 686 |
| Equity capital to assets | 5.4752% | 4,145 |
| Core capital (leverage) ratio | 9.8331% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0068% | 1,896 |
| Memoranda: | ||
| Average total assets | $715,951,500 | 1,280 |
| Average earning assets | $696,793,500 | 1,232 |
| Average equity | $44,647,750 | 1,729 |
| Average total loans | $483,703,000 | 1,260 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 2,977 |
| Cost of funding earning assets | 0.6044% | 3,737 |
| Net interest margin | 3.7591% | 1,702 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.3581% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4619% | 1,187 |
| Return on assets (ROA) | 1.4666% | 1,161 |
| Pretax return on assets | 1.4666% | 1,659 |
| Return on Equity (ROE) | 22.6000% | 506 |
| Retained earnings to average equity (ytd only) | 4.5706% | 3,062 |
| Net charge-offs to loans | -0.0968% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.7314% | 2,746 |
| Assets per employee ($millions) | 10.7400% | 541 |
| Cash dividends to net income (ytd only)* | 79.7753% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,267 |
| Loan loss allowance to noncurrent loans | 5,681.8182% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,726 |
| Noncurrent loans to loans | 0.0182% | 3,630 |
| Net loans and leases to total assets | 66.4300% | 2,109 |
| Net loans and leases to deposits | 73.6504% | 2,528 |
| Net loans and leases to core deposits | 76.5216% | 2,726 |
| Total domestic deposits to total assets | 90.1900% | 866 |
| Equity capital to assets | 6.6099% | 3,945 |
| Core capital (leverage) ratio | 9.6527% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8806% | 1,941 |
| Memoranda: | ||
| Average total assets | $716,078,000 | 1,273 |
| Average earning assets | $696,544,000 | 1,231 |
| Average equity | $46,470,667 | 1,683 |
| Average total loans | $479,258,000 | 1,256 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,729 |
| Cost of funding earning assets | 0.4988% | 3,689 |
| Net interest margin | 3.8301% | 1,621 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.2992% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5931% | 995 |
| Return on assets (ROA) | 1.6026% | 970 |
| Pretax return on assets | 1.6026% | 1,454 |
| Return on Equity (ROE) | 24.9300% | 409 |
| Retained earnings to average equity (ytd only) | -5.2434% | 4,338 |
| Net charge-offs to loans | -0.1843% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0706% | 3,068 |
| Assets per employee ($millions) | 10.8004% | 545 |
| Cash dividends to net income (ytd only)* | 121.0342% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,317 |
| Loan loss allowance to noncurrent loans | 1,563.6364% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,337 |
| Noncurrent loans to loans | 0.0668% | 3,253 |
| Net loans and leases to total assets | 66.2900% | 2,031 |
| Net loans and leases to deposits | 72.5278% | 2,423 |
| Net loans and leases to core deposits | 75.0624% | 2,596 |
| Total domestic deposits to total assets | 91.4000% | 673 |
| Equity capital to assets | 6.7072% | 3,958 |
| Core capital (leverage) ratio | 9.4340% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8409% | 2,035 |
| Memoranda: | ||
| Average total assets | $714,325,500 | 1,297 |
| Average earning assets | $696,068,000 | 1,245 |
| Average equity | $45,924,000 | 1,712 |
| Average total loans | $477,390,000 | 1,273 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 2,069 |
| Cost of funding earning assets | 0.1908% | 3,832 |
| Net interest margin | 3.6779% | 1,430 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2813% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5691% | 743 |
| Return on assets (ROA) | 1.5702% | 705 |
| Pretax return on assets | 1.5702% | 1,243 |
| Return on Equity (ROE) | 23.0100% | 278 |
| Retained earnings to average equity (ytd only) | 12.9512% | 519 |
| Net charge-offs to loans | -0.0357% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.2486% | 3,156 |
| Assets per employee ($millions) | 10.2260% | 627 |
| Cash dividends to net income (ytd only)* | 43.7113% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,397 |
| Loan loss allowance to noncurrent loans | 1,043.3260% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,166 |
| Noncurrent loans to loans | 0.0958% | 3,078 |
| Net loans and leases to total assets | 66.0100% | 2,041 |
| Net loans and leases to deposits | 72.1516% | 2,394 |
| Net loans and leases to core deposits | 73.1845% | 2,633 |
| Total domestic deposits to total assets | 91.4900% | 783 |
| Equity capital to assets | 6.1519% | 4,036 |
| Core capital (leverage) ratio | 9.3923% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4097% | 2,197 |
| Memoranda: | ||
| Average total assets | $730,690,800 | 1,272 |
| Average earning assets | $689,713,000 | 1,246 |
| Average equity | $49,864,200 | 1,627 |
| Average total loans | $464,586,800 | 1,239 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 1,946 |
| Cost of funding earning assets | 0.1558% | 3,781 |
| Net interest margin | 3.5790% | 1,445 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1061% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6953% | 537 |
| Return on assets (ROA) | 1.6964% | 522 |
| Pretax return on assets | 1.6964% | 910 |
| Return on Equity (ROE) | 24.2800% | 209 |
| Retained earnings to average equity (ytd only) | 13.2860% | 569 |
| Net charge-offs to loans | -0.0416% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.4038% | 3,680 |
| Assets per employee ($millions) | 10.5493% | 558 |
| Cash dividends to net income (ytd only)* | 45.2697% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,338 |
| Loan loss allowance to noncurrent loans | 630.2789% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,917 |
| Noncurrent loans to loans | 0.1637% | 2,778 |
| Net loans and leases to total assets | 63.4500% | 2,146 |
| Net loans and leases to deposits | 67.1236% | 2,622 |
| Net loans and leases to core deposits | 67.5673% | 2,837 |
| Total domestic deposits to total assets | 94.5300% | 283 |
| Equity capital to assets | 5.0304% | 4,285 |
| Core capital (leverage) ratio | 9.2835% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5474% | 2,241 |
| Memoranda: | ||
| Average total assets | $734,408,000 | 1,276 |
| Average earning assets | $688,214,500 | 1,258 |
| Average equity | $51,321,000 | 1,610 |
| Average total loans | $461,415,500 | 1,244 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 1,891 |
| Cost of funding earning assets | 0.1582% | 3,481 |
| Net interest margin | 3.4257% | 1,528 |
| Noninterest income to average assets | 0.5783% | 1,836 |
| Noninterest expense to average assets | 2.0460% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7165% | 411 |
| Return on assets (ROA) | 1.7171% | 404 |
| Pretax return on assets | 1.7171% | 722 |
| Return on Equity (ROE) | 22.5322% | 182 |
| Retained earnings to average equity (ytd only) | 10.9540% | 791 |
| Net charge-offs to loans | -0.0195% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3776% | 3,930 |
| Assets per employee ($millions) | 11.2745% | 458 |
| Cash dividends to net income (ytd only)* | 51.3850% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,488 |
| Loan loss allowance to noncurrent loans | 399.1409% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,593 |
| Noncurrent loans to loans | 0.2569% | 2,448 |
| Net loans and leases to total assets | 61.1919% | 2,203 |
| Net loans and leases to deposits | 65.8179% | 2,558 |
| Net loans and leases to core deposits | 66.2949% | 2,793 |
| Total domestic deposits to total assets | 92.9715% | 524 |
| Equity capital to assets | 6.5508% | 3,999 |
| Core capital (leverage) ratio | 9.0497% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9641% | 2,079 |
| Memoranda: | ||
| Average total assets | $740,092,333 | 1,269 |
| Average earning assets | $687,916,333 | 1,268 |
| Average equity | $56,399,333 | 1,517 |
| Average total loans | $461,910,333 | 1,243 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4906% | 1,842 |
| Cost of funding earning assets | 0.1704% | 3,214 |
| Net interest margin | 3.3202% | 1,527 |
| Noninterest income to average assets | 0.9697% | 725 |
| Noninterest expense to average assets | 2.0599% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9389% | 246 |
| Return on assets (ROA) | 1.9389% | 250 |
| Pretax return on assets | 1.9389% | 410 |
| Return on Equity (ROE) | 23.7971% | 109 |
| Retained earnings to average equity (ytd only) | 10.5948% | 873 |
| Net charge-offs to loans | -0.0189% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5131% | 4,225 |
| Assets per employee ($millions) | 11.6648% | 432 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,758 |
| Loan loss allowance to noncurrent loans | 1,516.0656% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,629 |
| Noncurrent loans to loans | 0.0655% | 3,521 |
| Net loans and leases to total assets | 60.7640% | 1,986 |
| Net loans and leases to deposits | 65.9057% | 2,344 |
| Net loans and leases to core deposits | 66.3705% | 2,604 |
| Total domestic deposits to total assets | 92.1984% | 507 |
| Equity capital to assets | 7.3551% | 4,015 |
| Core capital (leverage) ratio | 8.8836% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7464% | 2,327 |
| Memoranda: | ||
| Average total assets | $743,716,500 | 1,267 |
| Average earning assets | $678,504,500 | 1,278 |
| Average equity | $60,595,500 | 1,468 |
| Average total loans | $466,322,000 | 1,227 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 2,029 |
| Cost of funding earning assets | 0.1980% | 3,488 |
| Net interest margin | 3.5326% | 1,645 |
| Noninterest income to average assets | 0.2130% | 4,095 |
| Noninterest expense to average assets | 2.0983% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2655% | 1,702 |
| Return on assets (ROA) | 1.2655% | 1,757 |
| Pretax return on assets | 1.3635% | 2,162 |
| Return on Equity (ROE) | 14.2903% | 1,108 |
| Retained earnings to average equity (ytd only) | 7.3712% | 1,771 |
| Net charge-offs to loans | -0.0154% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6128% | 3,058 |
| Assets per employee ($millions) | 10.7238% | 546 |
| Cash dividends to net income (ytd only)* | 48.4183% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 3,811 |
| Loan loss allowance to noncurrent loans | 2,723.0769% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,895 |
| Noncurrent loans to loans | 0.0362% | 3,816 |
| Net loans and leases to total assets | 63.4510% | 1,766 |
| Net loans and leases to deposits | 70.0368% | 2,130 |
| Net loans and leases to core deposits | 70.5593% | 2,396 |
| Total domestic deposits to total assets | 90.5967% | 673 |
| Equity capital to assets | 8.9718% | 3,650 |
| Core capital (leverage) ratio | 8.6914% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1139% | 2,198 |
| Memoranda: | ||
| Average total assets | $719,382,600 | 1,261 |
| Average earning assets | $661,608,000 | 1,275 |
| Average equity | $63,707,600 | 1,447 |
| Average total loans | $486,935,800 | 1,187 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 2,127 |
| Cost of funding earning assets | 0.2022% | 3,581 |
| Net interest margin | 3.5564% | 1,708 |
| Noninterest income to average assets | 0.1609% | 4,399 |
| Noninterest expense to average assets | 1.9920% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4495% | 1,398 |
| Return on assets (ROA) | 1.4495% | 1,459 |
| Pretax return on assets | 1.4495% | 2,152 |
| Return on Equity (ROE) | 16.4222% | 862 |
| Retained earnings to average equity (ytd only) | 8.0826% | 2,030 |
| Net charge-offs to loans | -0.0141% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8817% | 3,278 |
| Assets per employee ($millions) | 10.9045% | 487 |
| Cash dividends to net income (ytd only)* | 50.7827% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,855 |
| Loan loss allowance to noncurrent loans | 1,237.5676% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,804 |
| Noncurrent loans to loans | 0.0806% | 3,686 |
| Net loans and leases to total assets | 62.2128% | 1,980 |
| Net loans and leases to deposits | 68.5232% | 2,389 |
| Net loans and leases to core deposits | 69.3679% | 2,649 |
| Total domestic deposits to total assets | 90.7909% | 439 |
| Equity capital to assets | 8.9009% | 3,919 |
| Core capital (leverage) ratio | 8.3473% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7552% | 2,062 |
| Memoranda: | ||
| Average total assets | $716,923,000 | 1,287 |
| Average earning assets | $661,325,000 | 1,288 |
| Average equity | $63,278,500 | 1,473 |
| Average total loans | $491,844,750 | 1,200 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 2,194 |
| Cost of funding earning assets | 0.1966% | 3,788 |
| Net interest margin | 3.5563% | 1,690 |
| Noninterest income to average assets | 0.1539% | 4,427 |
| Noninterest expense to average assets | 1.9796% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4914% | 1,317 |
| Return on assets (ROA) | 1.4914% | 1,379 |
| Pretax return on assets | 1.4914% | 2,042 |
| Return on Equity (ROE) | 16.9456% | 792 |
| Retained earnings to average equity (ytd only) | 6.6321% | 2,571 |
| Net charge-offs to loans | -0.0127% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0331% | 3,404 |
| Assets per employee ($millions) | 11.0257% | 451 |
| Cash dividends to net income (ytd only)* | 60.8622% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,052 |
| Loan loss allowance to noncurrent loans | 300.3294% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,950 |
| Noncurrent loans to loans | 0.3112% | 2,807 |
| Net loans and leases to total assets | 63.5268% | 2,007 |
| Net loans and leases to deposits | 69.4910% | 2,464 |
| Net loans and leases to core deposits | 70.3370% | 2,749 |
| Total domestic deposits to total assets | 91.4173% | 250 |
| Equity capital to assets | 8.4106% | 4,272 |
| Core capital (leverage) ratio | 8.4076% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3516% | 2,227 |
| Memoranda: | ||
| Average total assets | $712,363,333 | 1,285 |
| Average earning assets | $664,452,333 | 1,279 |
| Average equity | $62,694,667 | 1,472 |
| Average total loans | $502,757,333 | 1,180 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 2,060 |
| Cost of funding earning assets | 0.2025% | 3,887 |
| Net interest margin | 3.6118% | 1,556 |
| Noninterest income to average assets | 0.1511% | 4,444 |
| Noninterest expense to average assets | 2.0117% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4979% | 1,339 |
| Return on assets (ROA) | 1.4979% | 1,403 |
| Pretax return on assets | 1.4979% | 1,997 |
| Return on Equity (ROE) | 16.6127% | 909 |
| Retained earnings to average equity (ytd only) | 1.6245% | 4,090 |
| Net charge-offs to loans | -0.0125% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3203% | 3,388 |
| Assets per employee ($millions) | 10.6235% | 495 |
| Cash dividends to net income (ytd only)* | 90.2212% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,190 |
| Loan loss allowance to noncurrent loans | 1,023.1982% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,930 |
| Noncurrent loans to loans | 0.0868% | 3,872 |
| Net loans and leases to total assets | 71.2366% | 1,121 |
| Net loans and leases to deposits | 79.3935% | 1,582 |
| Net loans and leases to core deposits | 80.8832% | 1,924 |
| Total domestic deposits to total assets | 89.7260% | 945 |
| Equity capital to assets | 8.6068% | 4,042 |
| Core capital (leverage) ratio | 8.6360% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1828% | 2,216 |
| Memoranda: | ||
| Average total assets | $688,157,500 | 1,305 |
| Average earning assets | $639,902,500 | 1,305 |
| Average equity | $62,049,000 | 1,477 |
| Average total loans | $510,208,500 | 1,167 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 2,603 |
| Cost of funding earning assets | 0.2393% | 4,428 |
| Net interest margin | 3.8028% | 1,492 |
| Noninterest income to average assets | 0.1840% | 4,369 |
| Noninterest expense to average assets | 2.3271% | 3,336 |
| Loan and lease loss provision to assets | 0.0954% | 3,149 |
| Net operating income to assets | 1.4146% | 988 |
| Return on assets (ROA) | 1.4409% | 1,017 |
| Pretax return on assets | 1.4409% | 1,538 |
| Return on Equity (ROE) | 14.7961% | 667 |
| Retained earnings to average equity (ytd only) | 7.1144% | 1,354 |
| Net charge-offs to loans | -0.0061% | 4,175 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6479% | 3,366 |
| Assets per employee ($millions) | 9.7726% | 571 |
| Cash dividends to net income (ytd only)* | 51.9169% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,211 |
| Loan loss allowance to noncurrent loans | 1,862.9630% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,179 |
| Noncurrent loans to loans | 0.0478% | 4,107 |
| Net loans and leases to total assets | 75.8875% | 802 |
| Net loans and leases to deposits | 97.3870% | 491 |
| Net loans and leases to core deposits | 99.8078% | 908 |
| Total domestic deposits to total assets | 77.9236% | 4,327 |
| Equity capital to assets | 9.4557% | 3,655 |
| Core capital (leverage) ratio | 8.9188% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1649% | 2,182 |
| Memoranda: | ||
| Average total assets | $608,212,600 | 1,314 |
| Average earning assets | $584,278,800 | 1,290 |
| Average equity | $59,232,000 | 1,462 |
| Average total loans | $479,305,800 | 1,182 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 2,858 |
| Cost of funding earning assets | 0.2510% | 4,508 |
| Net interest margin | 3.7898% | 1,646 |
| Noninterest income to average assets | 0.1833% | 4,377 |
| Noninterest expense to average assets | 2.3009% | 3,417 |
| Loan and lease loss provision to assets | 0.1301% | 2,721 |
| Net operating income to assets | 1.4183% | 1,063 |
| Return on assets (ROA) | 1.4542% | 1,074 |
| Pretax return on assets | 1.4542% | 1,564 |
| Return on Equity (ROE) | 14.8117% | 724 |
| Retained earnings to average equity (ytd only) | 6.2401% | 2,002 |
| Net charge-offs to loans | -0.0040% | 4,002 |
| Credit loss provision to net charge-offs | -4,142.8571% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7738% | 3,419 |
| Assets per employee ($millions) | 10.1022% | 492 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,171 |
| Loan loss allowance to noncurrent loans | 1,834.1463% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,188 |
| Noncurrent loans to loans | 0.0473% | 4,192 |
| Net loans and leases to total assets | 77.3872% | 915 |
| Net loans and leases to deposits | 97.6596% | 647 |
| Net loans and leases to core deposits | 101.1984% | 1,079 |
| Total domestic deposits to total assets | 79.2418% | 4,015 |
| Equity capital to assets | 9.0840% | 4,047 |
| Core capital (leverage) ratio | 8.8206% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8420% | 2,269 |
| Memoranda: | ||
| Average total assets | $594,131,250 | 1,323 |
| Average earning assets | $574,725,500 | 1,285 |
| Average equity | $58,330,750 | 1,471 |
| Average total loans | $471,925,250 | 1,189 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 2,875 |
| Cost of funding earning assets | 0.2686% | 4,568 |
| Net interest margin | 3.8936% | 1,583 |
| Noninterest income to average assets | 0.1934% | 4,308 |
| Noninterest expense to average assets | 2.3754% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5872% | 782 |
| Return on assets (ROA) | 1.6437% | 748 |
| Pretax return on assets | 1.6437% | 1,121 |
| Return on Equity (ROE) | 16.2680% | 523 |
| Retained earnings to average equity (ytd only) | 6.0224% | 2,073 |
| Net charge-offs to loans | -0.0092% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9451% | 3,418 |
| Assets per employee ($millions) | 10.0539% | 490 |
| Cash dividends to net income (ytd only)* | 62.9804% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 4,466 |
| Loan loss allowance to noncurrent loans | 1,840.1869% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 4,304 |
| Noncurrent loans to loans | 0.0407% | 4,319 |
| Net loans and leases to total assets | 79.8409% | 610 |
| Net loans and leases to deposits | 100.8132% | 500 |
| Net loans and leases to core deposits | 106.6797% | 865 |
| Total domestic deposits to total assets | 79.1968% | 4,003 |
| Equity capital to assets | 9.0585% | 4,033 |
| Core capital (leverage) ratio | 8.8815% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3749% | 2,456 |
| Memoranda: | ||
| Average total assets | $569,927,333 | 1,349 |
| Average earning assets | $551,729,333 | 1,307 |
| Average equity | $57,585,333 | 1,472 |
| Average total loans | $455,738,333 | 1,201 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,790 |
| Cost of funding earning assets | 0.3000% | 4,660 |
| Net interest margin | 4.0428% | 1,282 |
| Noninterest income to average assets | 0.2454% | 4,088 |
| Noninterest expense to average assets | 2.5652% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5784% | 654 |
| Return on assets (ROA) | 1.7003% | 566 |
| Pretax return on assets | 1.7003% | 856 |
| Return on Equity (ROE) | 15.8157% | 447 |
| Retained earnings to average equity (ytd only) | 4.5439% | 2,483 |
| Net charge-offs to loans | -0.0038% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9082% | 3,507 |
| Assets per employee ($millions) | 8.1947% | 688 |
| Cash dividends to net income (ytd only)* | 71.2695% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 3,999 |
| Loan loss allowance to noncurrent loans | 675.0430% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 3,959 |
| Noncurrent loans to loans | 0.1381% | 3,971 |
| Net loans and leases to total assets | 77.0882% | 1,119 |
| Net loans and leases to deposits | 105.0371% | 330 |
| Net loans and leases to core deposits | 107.3922% | 970 |
| Total domestic deposits to total assets | 73.3915% | 4,696 |
| Equity capital to assets | 10.6318% | 3,206 |
| Core capital (leverage) ratio | 10.6455% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4736% | 2,489 |
| Memoranda: | ||
| Average total assets | $528,138,000 | 1,400 |
| Average earning assets | $509,257,000 | 1,354 |
| Average equity | $56,779,000 | 1,483 |
| Average total loans | $420,756,000 | 1,245 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 2,474 |
| Cost of funding earning assets | 0.3400% | 4,623 |
| Net interest margin | 4.3076% | 1,077 |
| Noninterest income to average assets | 0.2680% | 4,076 |
| Noninterest expense to average assets | 2.7106% | 2,855 |
| Loan and lease loss provision to assets | -0.0969% | 5,074 |
| Net operating income to assets | 1.8338% | 494 |
| Return on assets (ROA) | 1.8338% | 517 |
| Pretax return on assets | 1.8338% | 869 |
| Return on Equity (ROE) | 17.2171% | 395 |
| Retained earnings to average equity (ytd only) | 8.6617% | 793 |
| Net charge-offs to loans | -0.0210% | 4,635 |
| Credit loss provision to net charge-offs | 556.9767% | 538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9469% | 3,543 |
| Assets per employee ($millions) | 8.1814% | 665 |
| Cash dividends to net income (ytd only)* | 49.6912% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 3,836 |
| Loan loss allowance to noncurrent loans | 3,957.5758% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,386 |
| Noncurrent loans to loans | 0.0235% | 4,472 |
| Net loans and leases to total assets | 80.8535% | 687 |
| Net loans and leases to deposits | 109.7840% | 194 |
| Net loans and leases to core deposits | 113.8531% | 678 |
| Total domestic deposits to total assets | 73.6479% | 4,787 |
| Equity capital to assets | 10.8756% | 3,111 |
| Core capital (leverage) ratio | 10.7434% | 2,723 |
| Tier 1 risk-based capital ratio | 12.6277% | 3,992 |
| Total risk-based capital ratio | 13.5273% | 4,071 |
| Memoranda: | ||
| Average total assets | $494,386,400 | 1,440 |
| Average earning assets | $479,683,600 | 1,379 |
| Average equity | $52,656,800 | 1,525 |
| Average total loans | $409,654,600 | 1,244 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 2,494 |
| Cost of funding earning assets | 0.3413% | 4,684 |
| Net interest margin | 4.3317% | 1,094 |
| Noninterest income to average assets | 0.2699% | 4,126 |
| Noninterest expense to average assets | 2.5795% | 3,219 |
| Loan and lease loss provision to assets | 0.0194% | 3,520 |
| Net operating income to assets | 1.8779% | 524 |
| Return on assets (ROA) | 1.8779% | 542 |
| Pretax return on assets | 1.8779% | 916 |
| Return on Equity (ROE) | 17.7295% | 416 |
| Retained earnings to average equity (ytd only) | 7.9884% | 1,398 |
| Net charge-offs to loans | -0.0246% | 4,642 |
| Credit loss provision to net charge-offs | -94.6667% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6204% | 3,989 |
| Assets per employee ($millions) | 7.6143% | 806 |
| Cash dividends to net income (ytd only)* | 54.9427% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,268 |
| Loan loss allowance to noncurrent loans | 423.2669% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,743 |
| Noncurrent loans to loans | 0.2489% | 3,650 |
| Net loans and leases to total assets | 82.0600% | 563 |
| Net loans and leases to deposits | 106.0673% | 319 |
| Net loans and leases to core deposits | 109.6502% | 964 |
| Total domestic deposits to total assets | 77.3660% | 4,463 |
| Equity capital to assets | 10.6954% | 3,383 |
| Core capital (leverage) ratio | 10.7636% | 2,876 |
| Tier 1 risk-based capital ratio | 12.1830% | 4,324 |
| Total risk-based capital ratio | 13.1972% | 4,330 |
| Memoranda: | ||
| Average total assets | $489,126,250 | 1,458 |
| Average earning assets | $475,027,000 | 1,399 |
| Average equity | $51,807,000 | 1,549 |
| Average total loans | $406,903,500 | 1,261 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 2,349 |
| Cost of funding earning assets | 0.3467% | 4,691 |
| Net interest margin | 4.3570% | 1,020 |
| Noninterest income to average assets | 0.2862% | 4,030 |
| Noninterest expense to average assets | 2.6463% | 3,070 |
| Loan and lease loss provision to assets | 0.0295% | 3,231 |
| Net operating income to assets | 1.8435% | 547 |
| Return on assets (ROA) | 1.8435% | 569 |
| Pretax return on assets | 1.8435% | 945 |
| Return on Equity (ROE) | 17.4658% | 414 |
| Retained earnings to average equity (ytd only) | 5.6752% | 2,433 |
| Net charge-offs to loans | -0.0304% | 4,687 |
| Credit loss provision to net charge-offs | -116.3934% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5552% | 3,927 |
| Assets per employee ($millions) | 7.6020% | 775 |
| Cash dividends to net income (ytd only)* | 67.5068% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,219 |
| Loan loss allowance to noncurrent loans | 1,915.0862% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,346 |
| Noncurrent loans to loans | 0.0560% | 4,434 |
| Net loans and leases to total assets | 82.8697% | 492 |
| Net loans and leases to deposits | 106.2841% | 329 |
| Net loans and leases to core deposits | 112.0511% | 865 |
| Total domestic deposits to total assets | 77.9700% | 4,404 |
| Equity capital to assets | 10.6391% | 3,399 |
| Core capital (leverage) ratio | 10.4656% | 3,132 |
| Tier 1 risk-based capital ratio | 11.9672% | 4,439 |
| Total risk-based capital ratio | 12.9922% | 4,451 |
| Memoranda: | ||
| Average total assets | $482,114,670 | 1,482 |
| Average earning assets | $468,391,670 | 1,419 |
| Average equity | $50,888,000 | 1,563 |
| Average total loans | $401,506,330 | 1,271 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 2,380 |
| Cost of funding earning assets | 0.3358% | 4,723 |
| Net interest margin | 4.3127% | 1,070 |
| Noninterest income to average assets | 0.2672% | 4,089 |
| Noninterest expense to average assets | 2.6372% | 3,099 |
| Loan and lease loss provision to assets | 0.0597% | 2,462 |
| Net operating income to assets | 1.7567% | 645 |
| Return on assets (ROA) | 1.7567% | 663 |
| Pretax return on assets | 1.7567% | 1,084 |
| Return on Equity (ROE) | 16.7125% | 501 |
| Retained earnings to average equity (ytd only) | -0.8712% | 4,633 |
| Net charge-offs to loans | -0.0486% | 4,820 |
| Credit loss provision to net charge-offs | -147.9167% | 3,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2152% | 3,922 |
| Assets per employee ($millions) | 7.3738% | 854 |
| Cash dividends to net income (ytd only)* | 105.2128% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,137 |
| Loan loss allowance to noncurrent loans | 411.7100% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 3,732 |
| Noncurrent loans to loans | 0.2668% | 3,606 |
| Net loans and leases to total assets | 83.2326% | 439 |
| Net loans and leases to deposits | 102.3837% | 478 |
| Net loans and leases to core deposits | 110.8658% | 884 |
| Total domestic deposits to total assets | 81.2948% | 3,906 |
| Equity capital to assets | 10.5114% | 3,333 |
| Core capital (leverage) ratio | 10.5553% | 2,989 |
| Tier 1 risk-based capital ratio | 11.8303% | 4,548 |
| Total risk-based capital ratio | 12.8717% | 4,557 |
| Memoranda: | ||
| Average total assets | $476,107,000 | 1,505 |
| Average earning assets | $462,167,000 | 1,443 |
| Average equity | $50,046,500 | 1,575 |
| Average total loans | $395,296,000 | 1,292 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 2,443 |
| Cost of funding earning assets | 0.2744% | 4,685 |
| Net interest margin | 4.2303% | 1,325 |
| Noninterest income to average assets | 0.3138% | 4,018 |
| Noninterest expense to average assets | 2.7503% | 2,858 |
| Loan and lease loss provision to assets | 0.0022% | 4,059 |
| Net operating income to assets | 1.6557% | 762 |
| Return on assets (ROA) | 1.6572% | 756 |
| Pretax return on assets | 1.6572% | 1,288 |
| Return on Equity (ROE) | 15.6548% | 694 |
| Retained earnings to average equity (ytd only) | 2.1224% | 4,307 |
| Net charge-offs to loans | -0.0747% | 5,080 |
| Credit loss provision to net charge-offs | -3.5714% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3902% | 3,456 |
| Assets per employee ($millions) | 7.0584% | 949 |
| Cash dividends to net income (ytd only)* | 86.4427% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,017 |
| Loan loss allowance to noncurrent loans | 371.3178% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,616 |
| Noncurrent loans to loans | 0.2998% | 3,485 |
| Net loans and leases to total assets | 80.9697% | 807 |
| Net loans and leases to deposits | 98.2330% | 879 |
| Net loans and leases to core deposits | 106.3626% | 1,244 |
| Total domestic deposits to total assets | 82.4262% | 3,514 |
| Equity capital to assets | 10.5118% | 3,178 |
| Core capital (leverage) ratio | 10.7447% | 2,795 |
| Tier 1 risk-based capital ratio | 12.0112% | 4,423 |
| Total risk-based capital ratio | 13.0379% | 4,452 |
| Memoranda: | ||
| Average total assets | $454,428,800 | 1,525 |
| Average earning assets | $439,826,600 | 1,480 |
| Average equity | $48,106,800 | 1,569 |
| Average total loans | $374,615,400 | 1,324 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 2,543 |
| Cost of funding earning assets | 0.2474% | 4,802 |
| Net interest margin | 4.1788% | 1,419 |
| Noninterest income to average assets | 0.3142% | 4,053 |
| Noninterest expense to average assets | 2.7241% | 2,905 |
| Loan and lease loss provision to assets | 0.0030% | 3,908 |
| Net operating income to assets | 1.6330% | 888 |
| Return on assets (ROA) | 1.6330% | 894 |
| Pretax return on assets | 1.6330% | 1,477 |
| Return on Equity (ROE) | 15.3969% | 803 |
| Retained earnings to average equity (ytd only) | -0.5618% | 5,100 |
| Net charge-offs to loans | -0.0384% | 4,840 |
| Credit loss provision to net charge-offs | -9.3458% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4788% | 3,433 |
| Assets per employee ($millions) | 7.2393% | 859 |
| Cash dividends to net income (ytd only)* | 103.6485% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,304 |
| Loan loss allowance to noncurrent loans | 1,839.1111% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,724 |
| Noncurrent loans to loans | 0.0587% | 4,629 |
| Net loans and leases to total assets | 81.8229% | 744 |
| Net loans and leases to deposits | 99.0319% | 858 |
| Net loans and leases to core deposits | 105.9433% | 1,314 |
| Total domestic deposits to total assets | 82.6228% | 3,425 |
| Equity capital to assets | 10.3506% | 3,281 |
| Core capital (leverage) ratio | 10.6332% | 2,952 |
| Tier 1 risk-based capital ratio | 11.6906% | 4,679 |
| Total risk-based capital ratio | 12.6737% | 4,715 |
| Memoranda: | ||
| Average total assets | $449,807,250 | 1,546 |
| Average earning assets | $435,487,750 | 1,497 |
| Average equity | $47,705,500 | 1,580 |
| Average total loans | $371,462,000 | 1,333 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 2,589 |
| Cost of funding earning assets | 0.2279% | 4,869 |
| Net interest margin | 4.1205% | 1,488 |
| Noninterest income to average assets | 0.3139% | 4,077 |
| Noninterest expense to average assets | 2.7141% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5953% | 926 |
| Return on assets (ROA) | 1.5953% | 935 |
| Pretax return on assets | 1.5953% | 1,517 |
| Return on Equity (ROE) | 14.9175% | 868 |
| Retained earnings to average equity (ytd only) | -6.8582% | 5,354 |
| Net charge-offs to loans | -0.0479% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9807% | 3,481 |
| Assets per employee ($millions) | 7.3403% | 813 |
| Cash dividends to net income (ytd only)* | 145.9741% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,249 |
| Loan loss allowance to noncurrent loans | 1,272.1362% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 4,656 |
| Noncurrent loans to loans | 0.0866% | 4,521 |
| Net loans and leases to total assets | 81.0519% | 850 |
| Net loans and leases to deposits | 97.9653% | 972 |
| Net loans and leases to core deposits | 100.0901% | 1,732 |
| Total domestic deposits to total assets | 82.7353% | 3,483 |
| Equity capital to assets | 10.3440% | 3,287 |
| Core capital (leverage) ratio | 10.5859% | 2,939 |
| Tier 1 risk-based capital ratio | 12.1364% | 4,414 |
| Total risk-based capital ratio | 13.1801% | 4,421 |
| Memoranda: | ||
| Average total assets | $445,305,000 | 1,566 |
| Average earning assets | $431,792,000 | 1,512 |
| Average equity | $47,622,000 | 1,583 |
| Average total loans | $367,537,670 | 1,346 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,688 |
| Cost of funding earning assets | 0.1715% | 5,155 |
| Net interest margin | 4.0841% | 1,478 |
| Noninterest income to average assets | 0.2906% | 4,225 |
| Noninterest expense to average assets | 2.6766% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5731% | 913 |
| Return on assets (ROA) | 1.5731% | 923 |
| Pretax return on assets | 1.5731% | 1,468 |
| Return on Equity (ROE) | 14.4648% | 912 |
| Retained earnings to average equity (ytd only) | -23.7434% | 5,530 |
| Net charge-offs to loans | -0.0811% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9835% | 3,638 |
| Assets per employee ($millions) | 7.0262% | 948 |
| Cash dividends to net income (ytd only)* | 264.1455% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,301 |
| Loan loss allowance to noncurrent loans | 1,244.6809% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 4,721 |
| Noncurrent loans to loans | 0.0894% | 4,580 |
| Net loans and leases to total assets | 82.2160% | 639 |
| Net loans and leases to deposits | 101.8339% | 587 |
| Net loans and leases to core deposits | 104.2358% | 1,358 |
| Total domestic deposits to total assets | 80.7353% | 4,264 |
| Equity capital to assets | 10.4012% | 3,167 |
| Core capital (leverage) ratio | 10.5799% | 2,863 |
| Tier 1 risk-based capital ratio | 11.7943% | 4,688 |
| Total risk-based capital ratio | 12.8314% | 4,707 |
| Memoranda: | ||
| Average total assets | $440,409,500 | 1,597 |
| Average earning assets | $426,920,500 | 1,530 |
| Average equity | $47,895,500 | 1,583 |
| Average total loans | $364,820,000 | 1,355 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,632 |
| Cost of funding earning assets | 0.1504% | 5,260 |
| Net interest margin | 4.0640% | 1,550 |
| Noninterest income to average assets | 0.2974% | 4,319 |
| Noninterest expense to average assets | 2.7561% | 2,936 |
| Loan and lease loss provision to assets | 0.0463% | 3,310 |
| Net operating income to assets | 1.3950% | 1,031 |
| Return on assets (ROA) | 1.3950% | 1,048 |
| Pretax return on assets | 1.3950% | 2,009 |
| Return on Equity (ROE) | 12.4400% | 1,096 |
| Retained earnings to average equity (ytd only) | 0.0557% | 4,982 |
| Net charge-offs to loans | -0.0133% | 4,860 |
| Credit loss provision to net charge-offs | -434.7826% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6620% | 3,322 |
| Assets per employee ($millions) | 7.0672% | 942 |
| Cash dividends to net income (ytd only)* | 99.5524% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,281 |
| Loan loss allowance to noncurrent loans | 571.1648% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,341 |
| Noncurrent loans to loans | 0.1947% | 4,138 |
| Net loans and leases to total assets | 81.6112% | 740 |
| Net loans and leases to deposits | 99.9455% | 733 |
| Net loans and leases to core deposits | 102.3168% | 1,538 |
| Total domestic deposits to total assets | 81.6557% | 3,952 |
| Equity capital to assets | 11.3541% | 2,325 |
| Core capital (leverage) ratio | 11.2964% | 2,097 |
| Tier 1 risk-based capital ratio | 12.7221% | 4,079 |
| Total risk-based capital ratio | 13.7574% | 4,102 |
| Memoranda: | ||
| Average total assets | $432,386,400 | 1,600 |
| Average earning assets | $414,934,800 | 1,548 |
| Average equity | $48,488,800 | 1,556 |
| Average total loans | $346,048,600 | 1,388 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 2,828 |
| Cost of funding earning assets | 0.1444% | 5,346 |
| Net interest margin | 3.9973% | 1,712 |
| Noninterest income to average assets | 0.2979% | 4,402 |
| Noninterest expense to average assets | 2.6753% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4514% | 989 |
| Return on assets (ROA) | 1.4514% | 1,005 |
| Pretax return on assets | 1.4514% | 1,939 |
| Return on Equity (ROE) | 12.9833% | 1,062 |
| Retained earnings to average equity (ytd only) | -2.0177% | 5,434 |
| Net charge-offs to loans | -0.0210% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8298% | 3,399 |
| Assets per employee ($millions) | 6.7386% | 1,055 |
| Cash dividends to net income (ytd only)* | 115.5405% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,015.6499% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,804 |
| Noncurrent loans to loans | 0.1060% | 4,636 |
| Net loans and leases to total assets | 81.5537% | 757 |
| Net loans and leases to deposits | 104.1303% | 489 |
| Net loans and leases to core deposits | 106.7536% | 1,216 |
| Total domestic deposits to total assets | 78.3188% | 4,666 |
| Equity capital to assets | 11.4018% | 2,465 |
| Core capital (leverage) ratio | 11.3379% | 2,150 |
| Tier 1 risk-based capital ratio | 12.7713% | 4,155 |
| Total risk-based capital ratio | 13.7763% | 4,207 |
| Memoranda: | ||
| Average total assets | $430,940,750 | 1,615 |
| Average earning assets | $412,770,000 | 1,567 |
| Average equity | $48,173,500 | 1,581 |
| Average total loans | $342,156,750 | 1,409 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,896 |
| Cost of funding earning assets | 0.1408% | 5,391 |
| Net interest margin | 3.9379% | 1,816 |
| Noninterest income to average assets | 0.2920% | 4,465 |
| Noninterest expense to average assets | 2.6400% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4043% | 1,058 |
| Return on assets (ROA) | 1.4043% | 1,083 |
| Pretax return on assets | 1.4043% | 2,002 |
| Return on Equity (ROE) | 12.6462% | 1,127 |
| Retained earnings to average equity (ytd only) | -7.7968% | 5,605 |
| Net charge-offs to loans | -0.0178% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2778% | 3,462 |
| Assets per employee ($millions) | 6.8019% | 1,013 |
| Cash dividends to net income (ytd only)* | 161.6529% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,486 |
| Loan loss allowance to noncurrent loans | 891.1007% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,802 |
| Noncurrent loans to loans | 0.1253% | 4,618 |
| Net loans and leases to total assets | 77.4225% | 1,328 |
| Net loans and leases to deposits | 93.2784% | 1,334 |
| Net loans and leases to core deposits | 94.7175% | 2,089 |
| Total domestic deposits to total assets | 83.0016% | 3,568 |
| Equity capital to assets | 11.0134% | 2,794 |
| Core capital (leverage) ratio | 11.2709% | 2,156 |
| Tier 1 risk-based capital ratio | 13.1630% | 3,911 |
| Total risk-based capital ratio | 14.2171% | 3,938 |
| Memoranda: | ||
| Average total assets | $430,830,000 | 1,618 |
| Average earning assets | $410,522,670 | 1,578 |
| Average equity | $47,840,330 | 1,592 |
| Average total loans | $337,693,000 | 1,426 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 3,369 |
| Cost of funding earning assets | 0.1355% | 5,456 |
| Net interest margin | 3.7731% | 2,209 |
| Noninterest income to average assets | 0.2716% | 4,601 |
| Noninterest expense to average assets | 2.5974% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3393% | 1,140 |
| Return on assets (ROA) | 1.3393% | 1,174 |
| Pretax return on assets | 1.3393% | 2,102 |
| Return on Equity (ROE) | 12.0113% | 1,235 |
| Retained earnings to average equity (ytd only) | -24.8177% | 5,771 |
| Net charge-offs to loans | -0.0190% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9791% | 3,499 |
| Assets per employee ($millions) | 7.1113% | 897 |
| Cash dividends to net income (ytd only)* | 306.6202% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,514 |
| Loan loss allowance to noncurrent loans | 931.4496% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,905 |
| Noncurrent loans to loans | 0.1214% | 4,703 |
| Net loans and leases to total assets | 73.9950% | 1,746 |
| Net loans and leases to deposits | 88.4677% | 1,732 |
| Net loans and leases to core deposits | 89.2862% | 2,421 |
| Total domestic deposits to total assets | 83.6407% | 3,606 |
| Equity capital to assets | 10.3535% | 3,343 |
| Core capital (leverage) ratio | 11.1812% | 2,208 |
| Tier 1 risk-based capital ratio | 12.9411% | 4,114 |
| Total risk-based capital ratio | 13.9980% | 4,129 |
| Memoranda: | ||
| Average total assets | $428,583,500 | 1,641 |
| Average earning assets | $416,312,000 | 1,569 |
| Average equity | $47,788,500 | 1,591 |
| Average total loans | $336,118,000 | 1,436 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,952 |
| Cost of funding earning assets | 0.1465% | 5,443 |
| Net interest margin | 4.2139% | 1,080 |
| Noninterest income to average assets | 0.3166% | 4,467 |
| Noninterest expense to average assets | 2.9010% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4203% | 973 |
| Return on assets (ROA) | 1.4203% | 996 |
| Pretax return on assets | 1.4203% | 1,862 |
| Return on Equity (ROE) | 11.5204% | 1,394 |
| Retained earnings to average equity (ytd only) | 1.9126% | 4,445 |
| Net charge-offs to loans | 0.0258% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 67.4048% | 819 |
| Efficiency ratio | 67.1330% | 3,411 |
| Assets per employee ($millions) | 6.3930% | 1,208 |
| Cash dividends to net income (ytd only)* | 83.3981% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,605 |
| Loan loss allowance to noncurrent loans | 218.8406% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 3,585 |
| Noncurrent loans to loans | 0.5120% | 3,312 |
| Net loans and leases to total assets | 81.4273% | 683 |
| Net loans and leases to deposits | 104.0965% | 429 |
| Net loans and leases to core deposits | 105.2249% | 1,180 |
| Total domestic deposits to total assets | 78.2229% | 4,944 |
| Equity capital to assets | 12.0229% | 1,781 |
| Core capital (leverage) ratio | 12.1985% | 1,475 |
| Tier 1 risk-based capital ratio | 14.1386% | 3,388 |
| Total risk-based capital ratio | 15.2194% | 3,394 |
| Memoranda: | ||
| Average total assets | $398,653,600 | 1,691 |
| Average earning assets | $378,864,200 | 1,643 |
| Average equity | $49,147,400 | 1,545 |
| Average total loans | $325,696,000 | 1,430 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 1,871 |
| Cost of funding earning assets | 0.1505% | 5,483 |
| Net interest margin | 4.2450% | 1,036 |
| Noninterest income to average assets | 0.3256% | 4,451 |
| Noninterest expense to average assets | 2.8395% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5039% | 875 |
| Return on assets (ROA) | 1.5039% | 928 |
| Pretax return on assets | 1.5039% | 1,704 |
| Return on Equity (ROE) | 12.1211% | 1,283 |
| Retained earnings to average equity (ytd only) | 0.0190% | 5,339 |
| Net charge-offs to loans | -0.0165% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3748% | 3,693 |
| Assets per employee ($millions) | 6.5604% | 1,068 |
| Cash dividends to net income (ytd only)* | 99.8433% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 3,284 |
| Loan loss allowance to noncurrent loans | 211.7871% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 3,608 |
| Noncurrent loans to loans | 0.5631% | 3,312 |
| Net loans and leases to total assets | 79.4172% | 984 |
| Net loans and leases to deposits | 97.7096% | 882 |
| Net loans and leases to core deposits | 98.6625% | 1,754 |
| Total domestic deposits to total assets | 81.2788% | 4,173 |
| Equity capital to assets | 12.2961% | 1,895 |
| Core capital (leverage) ratio | 12.0352% | 1,654 |
| Tier 1 risk-based capital ratio | 13.9500% | 3,586 |
| Total risk-based capital ratio | 15.0726% | 3,582 |
| Memoranda: | ||
| Average total assets | $396,028,500 | 1,704 |
| Average earning assets | $374,827,500 | 1,659 |
| Average equity | $49,136,250 | 1,547 |
| Average total loans | $322,885,500 | 1,439 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 1,854 |
| Cost of funding earning assets | 0.1516% | 5,537 |
| Net interest margin | 4.2393% | 1,038 |
| Noninterest income to average assets | 0.3374% | 4,370 |
| Noninterest expense to average assets | 2.8146% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5406% | 828 |
| Return on assets (ROA) | 1.5406% | 872 |
| Pretax return on assets | 1.5406% | 1,557 |
| Return on Equity (ROE) | 12.3783% | 1,191 |
| Retained earnings to average equity (ytd only) | -4.2871% | 5,713 |
| Net charge-offs to loans | -0.0124% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6267% | 3,906 |
| Assets per employee ($millions) | 6.1620% | 1,294 |
| Cash dividends to net income (ytd only)* | 134.6345% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 3,366 |
| Loan loss allowance to noncurrent loans | 523.4818% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,722 |
| Noncurrent loans to loans | 0.2291% | 4,522 |
| Net loans and leases to total assets | 82.3186% | 594 |
| Net loans and leases to deposits | 101.2009% | 615 |
| Net loans and leases to core deposits | 102.1510% | 1,457 |
| Total domestic deposits to total assets | 81.3418% | 4,173 |
| Equity capital to assets | 12.7013% | 1,660 |
| Core capital (leverage) ratio | 11.7855% | 1,786 |
| Tier 1 risk-based capital ratio | 14.1726% | 3,514 |
| Total risk-based capital ratio | 15.3325% | 3,475 |
| Memoranda: | ||
| Average total assets | $392,455,670 | 1,720 |
| Average earning assets | $371,946,330 | 1,676 |
| Average equity | $48,843,670 | 1,556 |
| Average total loans | $321,538,670 | 1,450 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,025 |
| Cost of funding earning assets | 0.1524% | 5,589 |
| Net interest margin | 4.1786% | 1,147 |
| Noninterest income to average assets | 0.3497% | 4,231 |
| Noninterest expense to average assets | 2.7036% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5642% | 757 |
| Return on assets (ROA) | 1.5642% | 791 |
| Pretax return on assets | 1.5642% | 1,392 |
| Return on Equity (ROE) | 12.6965% | 1,106 |
| Retained earnings to average equity (ytd only) | -15.2802% | 5,909 |
| Net charge-offs to loans | 0.0100% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 192.8750% | 312 |
| Efficiency ratio | 63.3492% | 4,242 |
| Assets per employee ($millions) | 6.0771% | 1,356 |
| Cash dividends to net income (ytd only)* | 220.3500% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,552 |
| Loan loss allowance to noncurrent loans | 450.9368% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 4,698 |
| Noncurrent loans to loans | 0.2635% | 4,494 |
| Net loans and leases to total assets | 81.0736% | 674 |
| Net loans and leases to deposits | 98.6119% | 714 |
| Net loans and leases to core deposits | 99.2030% | 1,543 |
| Total domestic deposits to total assets | 82.2148% | 4,147 |
| Equity capital to assets | 12.1314% | 1,936 |
| Core capital (leverage) ratio | 11.7962% | 1,752 |
| Tier 1 risk-based capital ratio | 13.9965% | 3,702 |
| Total risk-based capital ratio | 15.1535% | 3,683 |
| Memoranda: | ||
| Average total assets | $394,581,000 | 1,714 |
| Average earning assets | $369,976,500 | 1,683 |
| Average equity | $48,612,000 | 1,559 |
| Average total loans | $320,586,000 | 1,449 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 1,879 |
| Cost of funding earning assets | 0.1554% | 5,650 |
| Net interest margin | 4.2510% | 1,064 |
| Noninterest income to average assets | 0.3730% | 4,242 |
| Noninterest expense to average assets | 2.9904% | 2,581 |
| Loan and lease loss provision to assets | -0.7083% | 6,156 |
| Net operating income to assets | 1.2443% | 1,402 |
| Return on assets (ROA) | 1.2443% | 1,458 |
| Pretax return on assets | 2.0441% | 491 |
| Return on Equity (ROE) | 9.8178% | 2,077 |
| Retained earnings to average equity (ytd only) | -0.4906% | 5,591 |
| Net charge-offs to loans | -0.1983% | 5,949 |
| Credit loss provision to net charge-offs | 439.7394% | 698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1226% | 3,378 |
| Assets per employee ($millions) | 6.4621% | 1,116 |
| Cash dividends to net income (ytd only)* | 104.9968% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,649 |
| Loan loss allowance to noncurrent loans | 478.1980% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,667 |
| Noncurrent loans to loans | 0.2831% | 4,448 |
| Net loans and leases to total assets | 79.4669% | 924 |
| Net loans and leases to deposits | 96.6472% | 945 |
| Net loans and leases to core deposits | 97.3180% | 1,729 |
| Total domestic deposits to total assets | 82.2237% | 4,102 |
| Equity capital to assets | 12.5164% | 1,617 |
| Core capital (leverage) ratio | 12.4734% | 1,362 |
| Tier 1 risk-based capital ratio | 14.8138% | 3,266 |
| Total risk-based capital ratio | 16.0645% | 3,203 |
| Memoranda: | ||
| Average total assets | $381,191,200 | 1,724 |
| Average earning assets | $354,484,800 | 1,704 |
| Average equity | $48,310,400 | 1,542 |
| Average total loans | $309,680,000 | 1,433 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 1,916 |
| Cost of funding earning assets | 0.1556% | 5,741 |
| Net interest margin | 4.2450% | 1,064 |
| Noninterest income to average assets | 0.4491% | 3,721 |
| Noninterest expense to average assets | 2.9884% | 2,561 |
| Loan and lease loss provision to assets | -0.9525% | 6,257 |
| Net operating income to assets | 1.2922% | 1,363 |
| Return on assets (ROA) | 1.2922% | 1,414 |
| Pretax return on assets | 2.3679% | 302 |
| Return on Equity (ROE) | 10.1634% | 2,040 |
| Retained earnings to average equity (ytd only) | -2.8495% | 5,921 |
| Net charge-offs to loans | -0.0585% | 5,593 |
| Credit loss provision to net charge-offs | 2,000.0000% | 187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8603% | 3,571 |
| Assets per employee ($millions) | 6.5437% | 1,053 |
| Cash dividends to net income (ytd only)* | 128.0371% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,509 |
| Loan loss allowance to noncurrent loans | 353.7037% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 2,500 |
| Noncurrent loans to loans | 0.3465% | 4,369 |
| Net loans and leases to total assets | 78.4240% | 1,035 |
| Net loans and leases to deposits | 95.8167% | 1,027 |
| Net loans and leases to core deposits | 96.4933% | 1,843 |
| Total domestic deposits to total assets | 81.8479% | 4,214 |
| Equity capital to assets | 12.3228% | 1,861 |
| Core capital (leverage) ratio | 12.3371% | 1,498 |
| Tier 1 risk-based capital ratio | 14.6379% | 3,478 |
| Total risk-based capital ratio | 15.8105% | 3,447 |
| Memoranda: | ||
| Average total assets | $377,942,250 | 1,749 |
| Average earning assets | $352,092,250 | 1,728 |
| Average equity | $48,053,500 | 1,556 |
| Average total loans | $307,713,250 | 1,445 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,882 |
| Cost of funding earning assets | 0.1560% | 5,807 |
| Net interest margin | 4.2349% | 1,040 |
| Noninterest income to average assets | 0.4262% | 3,879 |
| Noninterest expense to average assets | 2.9508% | 2,716 |
| Loan and lease loss provision to assets | -1.4475% | 6,337 |
| Net operating income to assets | 1.2626% | 1,416 |
| Return on assets (ROA) | 1.2626% | 1,472 |
| Pretax return on assets | 2.8972% | 143 |
| Return on Equity (ROE) | 9.8240% | 2,146 |
| Retained earnings to average equity (ytd only) | -8.2805% | 6,138 |
| Net charge-offs to loans | -0.0503% | 5,549 |
| Credit loss provision to net charge-offs | 3,506.4935% | 121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0565% | 3,828 |
| Assets per employee ($millions) | 6.1831% | 1,225 |
| Cash dividends to net income (ytd only)* | 184.2887% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,666 |
| Loan loss allowance to noncurrent loans | 521.7753% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 2,645 |
| Noncurrent loans to loans | 0.2341% | 4,831 |
| Net loans and leases to total assets | 82.0124% | 553 |
| Net loans and leases to deposits | 100.4401% | 625 |
| Net loans and leases to core deposits | 101.2759% | 1,379 |
| Total domestic deposits to total assets | 81.6531% | 4,405 |
| Equity capital to assets | 12.6962% | 1,549 |
| Core capital (leverage) ratio | 12.4504% | 1,404 |
| Tier 1 risk-based capital ratio | 14.8478% | 3,448 |
| Total risk-based capital ratio | 16.0431% | 3,407 |
| Memoranda: | ||
| Average total assets | $373,049,330 | 1,785 |
| Average earning assets | $350,087,330 | 1,745 |
| Average equity | $47,944,000 | 1,566 |
| Average total loans | $306,374,670 | 1,449 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 1,873 |
| Cost of funding earning assets | 0.1569% | 5,872 |
| Net interest margin | 4.2122% | 1,037 |
| Noninterest income to average assets | 0.4512% | 3,630 |
| Noninterest expense to average assets | 2.9363% | 2,787 |
| Loan and lease loss provision to assets | -2.8871% | 6,416 |
| Net operating income to assets | 1.0468% | 2,047 |
| Return on assets (ROA) | 1.0468% | 2,194 |
| Pretax return on assets | 4.3071% | 78 |
| Return on Equity (ROE) | 8.0967% | 2,910 |
| Retained earnings to average equity (ytd only) | -20.0225% | 6,273 |
| Net charge-offs to loans | -0.0511% | 5,521 |
| Credit loss provision to net charge-offs | 6,923.0769% | 55 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4030% | 3,919 |
| Assets per employee ($millions) | 6.2805% | 1,203 |
| Cash dividends to net income (ytd only)* | 347.2932% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 3,850 |
| Loan loss allowance to noncurrent loans | 432.0186% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 2,657 |
| Noncurrent loans to loans | 0.2821% | 4,765 |
| Net loans and leases to total assets | 80.1132% | 676 |
| Net loans and leases to deposits | 99.1005% | 616 |
| Net loans and leases to core deposits | 99.6215% | 1,346 |
| Total domestic deposits to total assets | 80.8403% | 4,855 |
| Equity capital to assets | 12.5941% | 1,635 |
| Core capital (leverage) ratio | 12.3047% | 1,457 |
| Tier 1 risk-based capital ratio | 14.6310% | 3,640 |
| Total risk-based capital ratio | 15.8079% | 3,615 |
| Memoranda: | ||
| Average total assets | $374,082,000 | 1,787 |
| Average earning assets | $346,805,500 | 1,775 |
| Average equity | $48,365,500 | 1,555 |
| Average total loans | $305,554,500 | 1,452 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 1,533 |
| Cost of funding earning assets | 0.1705% | 5,979 |
| Net interest margin | 4.4382% | 836 |
| Noninterest income to average assets | 0.5709% | 3,041 |
| Noninterest expense to average assets | 3.2862% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9329% | 2,712 |
| Return on assets (ROA) | 0.9507% | 2,710 |
| Pretax return on assets | 1.3653% | 2,018 |
| Return on Equity (ROE) | 7.1623% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.2235% | 3,188 |
| Net charge-offs to loans | 0.1321% | 2,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.3943% | 2,379 |
| Efficiency ratio | 71.0354% | 3,366 |
| Assets per employee ($millions) | 5.9893% | 1,384 |
| Cash dividends to net income (ytd only)* | 41.0317% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 963 |
| Loan loss allowance to noncurrent loans | 857.0470% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 2,834 |
| Noncurrent loans to loans | 0.2439% | 4,956 |
| Net loans and leases to total assets | 80.5500% | 664 |
| Net loans and leases to deposits | 98.6908% | 707 |
| Net loans and leases to core deposits | 99.2122% | 1,448 |
| Total domestic deposits to total assets | 81.6185% | 4,565 |
| Equity capital to assets | 13.2691% | 1,238 |
| Core capital (leverage) ratio | 12.8741% | 1,185 |
| Tier 1 risk-based capital ratio | 14.2311% | 3,940 |
| Total risk-based capital ratio | 15.4892% | 3,866 |
| Memoranda: | ||
| Average total assets | $358,897,600 | 1,820 |
| Average earning assets | $327,923,400 | 1,834 |
| Average equity | $47,638,000 | 1,514 |
| Average total loans | $293,674,800 | 1,457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 1,523 |
| Cost of funding earning assets | 0.1719% | 6,051 |
| Net interest margin | 4.4428% | 827 |
| Noninterest income to average assets | 0.6041% | 2,840 |
| Noninterest expense to average assets | 3.2558% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9692% | 2,600 |
| Return on assets (ROA) | 0.9687% | 2,666 |
| Pretax return on assets | 1.3959% | 2,024 |
| Return on Equity (ROE) | 7.2976% | 3,554 |
| Retained earnings to average equity (ytd only) | 3.3453% | 4,234 |
| Net charge-offs to loans | 0.1325% | 2,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.8963% | 2,276 |
| Efficiency ratio | 69.9799% | 3,508 |
| Assets per employee ($millions) | 5.7656% | 1,514 |
| Cash dividends to net income (ytd only)* | 54.1586% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2183% | 921 |
| Loan loss allowance to noncurrent loans | 172.4468% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.8548% | 1,591 |
| Noncurrent loans to loans | 1.2864% | 2,491 |
| Net loans and leases to total assets | 77.4575% | 1,028 |
| Net loans and leases to deposits | 94.3166% | 1,009 |
| Net loans and leases to core deposits | 94.8172% | 1,773 |
| Total domestic deposits to total assets | 82.1250% | 4,440 |
| Equity capital to assets | 13.1142% | 1,372 |
| Core capital (leverage) ratio | 13.0316% | 1,164 |
| Tier 1 risk-based capital ratio | 14.6360% | 3,796 |
| Total risk-based capital ratio | 15.8953% | 3,732 |
| Memoranda: | ||
| Average total assets | $355,788,000 | 1,848 |
| Average earning assets | $324,199,000 | 1,863 |
| Average equity | $47,229,250 | 1,529 |
| Average total loans | $290,719,500 | 1,484 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,481 |
| Cost of funding earning assets | 0.1684% | 6,144 |
| Net interest margin | 4.4508% | 778 |
| Noninterest income to average assets | 0.6232% | 2,693 |
| Noninterest expense to average assets | 3.2557% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0041% | 2,308 |
| Return on assets (ROA) | 1.0029% | 2,381 |
| Pretax return on assets | 1.4571% | 1,685 |
| Return on Equity (ROE) | 7.5232% | 3,357 |
| Retained earnings to average equity (ytd only) | 1.5456% | 5,120 |
| Net charge-offs to loans | -0.0407% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0571% | 3,827 |
| Assets per employee ($millions) | 5.5789% | 1,624 |
| Cash dividends to net income (ytd only)* | 79.4552% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2903% | 913 |
| Loan loss allowance to noncurrent loans | 250.0732% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.6689% | 1,944 |
| Noncurrent loans to loans | 0.9158% | 3,432 |
| Net loans and leases to total assets | 81.6340% | 498 |
| Net loans and leases to deposits | 99.7498% | 568 |
| Net loans and leases to core deposits | 100.1274% | 1,277 |
| Total domestic deposits to total assets | 81.8388% | 4,701 |
| Equity capital to assets | 13.3039% | 1,228 |
| Core capital (leverage) ratio | 13.1800% | 1,095 |
| Tier 1 risk-based capital ratio | 14.1403% | 4,161 |
| Total risk-based capital ratio | 15.4005% | 4,092 |
| Memoranda: | ||
| Average total assets | $351,385,330 | 1,867 |
| Average earning assets | $322,996,000 | 1,862 |
| Average equity | $46,842,000 | 1,532 |
| Average total loans | $290,193,000 | 1,477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,487 |
| Cost of funding earning assets | 0.1676% | 6,243 |
| Net interest margin | 4.4389% | 740 |
| Noninterest income to average assets | 0.6117% | 2,666 |
| Noninterest expense to average assets | 3.2822% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8841% | 2,723 |
| Return on assets (ROA) | 0.8848% | 2,786 |
| Pretax return on assets | 1.4035% | 1,731 |
| Return on Equity (ROE) | 6.6305% | 3,670 |
| Retained earnings to average equity (ytd only) | -5.4094% | 6,148 |
| Net charge-offs to loans | 0.0196% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 87.2857% | 510 |
| Efficiency ratio | 70.0637% | 3,830 |
| Assets per employee ($millions) | 5.4748% | 1,731 |
| Cash dividends to net income (ytd only)* | 181.5824% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3699% | 942 |
| Loan loss allowance to noncurrent loans | 218.4551% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.8040% | 1,941 |
| Noncurrent loans to loans | 1.0848% | 3,247 |
| Net loans and leases to total assets | 79.4675% | 609 |
| Net loans and leases to deposits | 98.0896% | 538 |
| Net loans and leases to core deposits | 98.4715% | 1,204 |
| Total domestic deposits to total assets | 81.0152% | 5,231 |
| Equity capital to assets | 13.2146% | 1,206 |
| Core capital (leverage) ratio | 12.4806% | 1,395 |
| Tier 1 risk-based capital ratio | 13.7066% | 4,537 |
| Total risk-based capital ratio | 14.9676% | 4,484 |
| Memoranda: | ||
| Average total assets | $348,552,000 | 1,883 |
| Average earning assets | $319,808,000 | 1,888 |
| Average equity | $46,512,000 | 1,540 |
| Average total loans | $286,135,500 | 1,501 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 1,403 |
| Cost of funding earning assets | 0.1899% | 6,336 |
| Net interest margin | 4.5712% | 644 |
| Noninterest income to average assets | 0.7066% | 2,506 |
| Noninterest expense to average assets | 3.5129% | 1,620 |
| Loan and lease loss provision to assets | 0.0580% | 3,981 |
| Net operating income to assets | 0.8437% | 3,073 |
| Return on assets (ROA) | 0.8421% | 3,157 |
| Pretax return on assets | 1.2244% | 2,483 |
| Return on Equity (ROE) | 6.3781% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.3781% | 1,756 |
| Net charge-offs to loans | 0.5017% | 1,322 |
| Credit loss provision to net charge-offs | 14.4823% | 4,532 |
| Earnings coverage of net charge-offs (x) | 3.2071% | 3,928 |
| Efficiency ratio | 70.7721% | 3,707 |
| Assets per employee ($millions) | 5.4175% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3594% | 973 |
| Loan loss allowance to noncurrent loans | 203.0885% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8964% | 1,911 |
| Noncurrent loans to loans | 1.1617% | 3,218 |
| Net loans and leases to total assets | 80.8426% | 508 |
| Net loans and leases to deposits | 99.7026% | 493 |
| Net loans and leases to core deposits | 100.0943% | 1,152 |
| Total domestic deposits to total assets | 81.0838% | 5,149 |
| Equity capital to assets | 13.4755% | 1,079 |
| Core capital (leverage) ratio | 12.8278% | 1,209 |
| Tier 1 risk-based capital ratio | 13.8972% | 4,366 |
| Total risk-based capital ratio | 15.1580% | 4,296 |
| Memoranda: | ||
| Average total assets | $344,731,800 | 1,872 |
| Average earning assets | $308,515,200 | 1,919 |
| Average equity | $45,515,400 | 1,539 |
| Average total loans | $275,260,800 | 1,531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 1,412 |
| Cost of funding earning assets | 0.1942% | 6,424 |
| Net interest margin | 4.5776% | 645 |
| Noninterest income to average assets | 0.7092% | 2,556 |
| Noninterest expense to average assets | 3.4208% | 1,771 |
| Loan and lease loss provision to assets | 0.0775% | 3,512 |
| Net operating income to assets | 0.8704% | 2,989 |
| Return on assets (ROA) | 0.8715% | 3,093 |
| Pretax return on assets | 1.2755% | 2,429 |
| Return on Equity (ROE) | 6.6350% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.6350% | 2,067 |
| Net charge-offs to loans | 0.7188% | 827 |
| Credit loss provision to net charge-offs | 13.6240% | 4,172 |
| Earnings coverage of net charge-offs (x) | 2.3767% | 4,042 |
| Efficiency ratio | 69.3937% | 3,854 |
| Assets per employee ($millions) | 5.3746% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 1,014 |
| Loan loss allowance to noncurrent loans | 104.8949% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.9790% | 1,242 |
| Noncurrent loans to loans | 2.3152% | 1,895 |
| Net loans and leases to total assets | 78.0936% | 735 |
| Net loans and leases to deposits | 96.1462% | 679 |
| Net loans and leases to core deposits | 96.2689% | 1,371 |
| Total domestic deposits to total assets | 81.2238% | 5,162 |
| Equity capital to assets | 13.4095% | 1,159 |
| Core capital (leverage) ratio | 12.8459% | 1,262 |
| Tier 1 risk-based capital ratio | 14.1920% | 4,288 |
| Total risk-based capital ratio | 15.4533% | 4,230 |
| Memoranda: | ||
| Average total assets | $344,235,250 | 1,888 |
| Average earning assets | $305,535,750 | 1,946 |
| Average equity | $45,213,750 | 1,563 |
| Average total loans | $272,308,750 | 1,548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,483 |
| Cost of funding earning assets | 0.1984% | 6,481 |
| Net interest margin | 4.5333% | 670 |
| Noninterest income to average assets | 0.4920% | 3,886 |
| Noninterest expense to average assets | 3.1732% | 2,432 |
| Loan and lease loss provision to assets | 0.1162% | 2,869 |
| Net operating income to assets | 0.8261% | 3,166 |
| Return on assets (ROA) | 0.8277% | 3,311 |
| Pretax return on assets | 1.2122% | 2,613 |
| Return on Equity (ROE) | 6.3460% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.3460% | 2,235 |
| Net charge-offs to loans | 0.3103% | 1,941 |
| Credit loss provision to net charge-offs | 47.5059% | 3,262 |
| Earnings coverage of net charge-offs (x) | 5.4228% | 2,897 |
| Efficiency ratio | 67.8931% | 4,199 |
| Assets per employee ($millions) | 5.1438% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7920% | 713 |
| Loan loss allowance to noncurrent loans | 138.8580% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.8180% | 1,459 |
| Noncurrent loans to loans | 2.0107% | 2,388 |
| Net loans and leases to total assets | 79.3063% | 605 |
| Net loans and leases to deposits | 97.7182% | 559 |
| Net loans and leases to core deposits | 97.8446% | 1,225 |
| Total domestic deposits to total assets | 81.1581% | 5,300 |
| Equity capital to assets | 13.3163% | 1,215 |
| Core capital (leverage) ratio | 12.4968% | 1,360 |
| Tier 1 risk-based capital ratio | 13.9115% | 4,478 |
| Total risk-based capital ratio | 15.1769% | 4,436 |
| Memoranda: | ||
| Average total assets | $344,323,000 | 1,891 |
| Average earning assets | $304,367,670 | 1,964 |
| Average equity | $44,910,000 | 1,581 |
| Average total loans | $271,309,670 | 1,553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 1,377 |
| Cost of funding earning assets | 0.2209% | 6,468 |
| Net interest margin | 4.5412% | 631 |
| Noninterest income to average assets | 0.7337% | 2,409 |
| Noninterest expense to average assets | 3.2820% | 2,128 |
| Loan and lease loss provision to assets | 0.2307% | 1,583 |
| Net operating income to assets | 0.8033% | 3,144 |
| Return on assets (ROA) | 0.8041% | 3,272 |
| Pretax return on assets | 1.1582% | 2,733 |
| Return on Equity (ROE) | 6.2286% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.2286% | 2,550 |
| Net charge-offs to loans | 0.1609% | 2,439 |
| Credit loss provision to net charge-offs | 185.1852% | 1,165 |
| Earnings coverage of net charge-offs (x) | 11.1389% | 1,680 |
| Efficiency ratio | 68.7500% | 4,183 |
| Assets per employee ($millions) | 5.1529% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9882% | 667 |
| Loan loss allowance to noncurrent loans | 96.8814% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.6405% | 1,721 |
| Noncurrent loans to loans | 3.0844% | 1,622 |
| Net loans and leases to total assets | 74.5481% | 1,007 |
| Net loans and leases to deposits | 91.0603% | 882 |
| Net loans and leases to core deposits | 91.4935% | 1,558 |
| Total domestic deposits to total assets | 81.8667% | 5,243 |
| Equity capital to assets | 12.8604% | 1,494 |
| Core capital (leverage) ratio | 12.3255% | 1,415 |
| Tier 1 risk-based capital ratio | 14.0582% | 4,467 |
| Total risk-based capital ratio | 15.3253% | 4,408 |
| Memoranda: | ||
| Average total assets | $346,737,500 | 1,908 |
| Average earning assets | $300,534,000 | 2,011 |
| Average equity | $44,761,000 | 1,597 |
| Average total loans | $268,478,000 | 1,574 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 1,578 |
| Cost of funding earning assets | 0.3695% | 6,110 |
| Net interest margin | 4.6231% | 753 |
| Noninterest income to average assets | 0.7020% | 2,709 |
| Noninterest expense to average assets | 3.7185% | 1,381 |
| Loan and lease loss provision to assets | 0.1134% | 4,223 |
| Net operating income to assets | 0.6748% | 3,860 |
| Return on assets (ROA) | 0.7868% | 3,594 |
| Pretax return on assets | 1.1516% | 2,981 |
| Return on Equity (ROE) | 6.2673% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.2673% | 1,931 |
| Net charge-offs to loans | 0.2776% | 3,273 |
| Credit loss provision to net charge-offs | 52.9891% | 4,619 |
| Earnings coverage of net charge-offs (x) | 5.1427% | 3,136 |
| Efficiency ratio | 76.0767% | 2,727 |
| Assets per employee ($millions) | 4.9722% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9713% | 684 |
| Loan loss allowance to noncurrent loans | 62.5314% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 4.4742% | 928 |
| Noncurrent loans to loans | 4.7516% | 865 |
| Net loans and leases to total assets | 75.7092% | 960 |
| Net loans and leases to deposits | 92.8855% | 838 |
| Net loans and leases to core deposits | 93.3384% | 1,520 |
| Total domestic deposits to total assets | 81.5082% | 5,257 |
| Equity capital to assets | 12.9590% | 1,469 |
| Core capital (leverage) ratio | 12.1141% | 1,499 |
| Tier 1 risk-based capital ratio | 13.9166% | 4,435 |
| Total risk-based capital ratio | 15.1837% | 4,395 |
| Memoranda: | ||
| Average total assets | $344,032,400 | 1,882 |
| Average earning assets | $306,350,200 | 1,932 |
| Average equity | $43,192,400 | 1,613 |
| Average total loans | $265,085,000 | 1,564 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 1,585 |
| Cost of funding earning assets | 0.4047% | 6,089 |
| Net interest margin | 4.6340% | 769 |
| Noninterest income to average assets | 0.5608% | 3,538 |
| Noninterest expense to average assets | 3.5843% | 1,583 |
| Loan and lease loss provision to assets | 0.1510% | 3,652 |
| Net operating income to assets | 0.6779% | 4,013 |
| Return on assets (ROA) | 0.6801% | 4,269 |
| Pretax return on assets | 0.9791% | 3,794 |
| Return on Equity (ROE) | 5.4606% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.4606% | 3,062 |
| Net charge-offs to loans | 0.1946% | 3,562 |
| Credit loss provision to net charge-offs | 101.0363% | 2,924 |
| Earnings coverage of net charge-offs (x) | 7.5389% | 2,590 |
| Efficiency ratio | 75.2076% | 2,792 |
| Assets per employee ($millions) | 4.9247% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1412% | 636 |
| Loan loss allowance to noncurrent loans | 72.8741% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 4.0220% | 1,198 |
| Noncurrent loans to loans | 4.3105% | 1,129 |
| Net loans and leases to total assets | 74.2756% | 1,208 |
| Net loans and leases to deposits | 92.5277% | 915 |
| Net loans and leases to core deposits | 92.9833% | 1,688 |
| Total domestic deposits to total assets | 80.2739% | 5,584 |
| Equity capital to assets | 12.7801% | 1,727 |
| Core capital (leverage) ratio | 11.7217% | 1,830 |
| Tier 1 risk-based capital ratio | 14.0220% | 4,502 |
| Total risk-based capital ratio | 15.2830% | 4,459 |
| Memoranda: | ||
| Average total assets | $344,270,250 | 1,899 |
| Average earning assets | $308,351,750 | 1,940 |
| Average equity | $42,875,500 | 1,640 |
| Average total loans | $264,431,750 | 1,580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,605 |
| Cost of funding earning assets | 0.4365% | 6,057 |
| Net interest margin | 4.6305% | 782 |
| Noninterest income to average assets | 0.5672% | 3,473 |
| Noninterest expense to average assets | 3.7813% | 1,244 |
| Loan and lease loss provision to assets | 0.2267% | 2,807 |
| Net operating income to assets | 0.5325% | 4,664 |
| Return on assets (ROA) | 0.5359% | 4,928 |
| Pretax return on assets | 0.7439% | 4,684 |
| Return on Equity (ROE) | 4.3407% | 5,117 |
| Retained earnings to average equity (ytd only) | 4.3407% | 3,724 |
| Net charge-offs to loans | 0.4855% | 2,134 |
| Credit loss provision to net charge-offs | 60.7477% | 3,777 |
| Earnings coverage of net charge-offs (x) | 2.5888% | 3,707 |
| Efficiency ratio | 79.2728% | 2,292 |
| Assets per employee ($millions) | 4.8410% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0133% | 772 |
| Loan loss allowance to noncurrent loans | 108.3176% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 2.9696% | 1,852 |
| Noncurrent loans to loans | 2.7819% | 2,156 |
| Net loans and leases to total assets | 76.4407% | 912 |
| Net loans and leases to deposits | 95.0880% | 690 |
| Net loans and leases to core deposits | 95.2124% | 1,494 |
| Total domestic deposits to total assets | 80.3895% | 5,640 |
| Equity capital to assets | 12.7020% | 1,686 |
| Core capital (leverage) ratio | 11.5538% | 1,868 |
| Tier 1 risk-based capital ratio | 13.9222% | 4,503 |
| Total risk-based capital ratio | 15.1914% | 4,462 |
| Memoranda: | ||
| Average total assets | $344,116,670 | 1,896 |
| Average earning assets | $310,636,330 | 1,927 |
| Average equity | $42,481,670 | 1,641 |
| Average total loans | $264,457,330 | 1,581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 1,512 |
| Cost of funding earning assets | 0.4732% | 5,991 |
| Net interest margin | 4.6516% | 745 |
| Noninterest income to average assets | 0.5076% | 3,862 |
| Noninterest expense to average assets | 3.8899% | 1,079 |
| Loan and lease loss provision to assets | 0.4499% | 1,378 |
| Net operating income to assets | 0.3126% | 5,618 |
| Return on assets (ROA) | 0.3126% | 5,777 |
| Pretax return on assets | 0.3749% | 5,798 |
| Return on Equity (ROE) | 2.5687% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,972 |
| Net charge-offs to loans | 0.5943% | 1,607 |
| Credit loss provision to net charge-offs | 99.7442% | 2,383 |
| Earnings coverage of net charge-offs (x) | 1.8286% | 3,423 |
| Efficiency ratio | 82.3832% | 1,890 |
| Assets per employee ($millions) | 4.8138% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1670% | 706 |
| Loan loss allowance to noncurrent loans | 135.8932% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 3.4575% | 1,663 |
| Noncurrent loans to loans | 2.3305% | 2,775 |
| Net loans and leases to total assets | 74.2425% | 1,023 |
| Net loans and leases to deposits | 94.0538% | 656 |
| Net loans and leases to core deposits | 94.1781% | 1,452 |
| Total domestic deposits to total assets | 78.9362% | 6,091 |
| Equity capital to assets | 12.3972% | 1,790 |
| Core capital (leverage) ratio | 11.1623% | 2,141 |
| Tier 1 risk-based capital ratio | 13.4405% | 4,869 |
| Total risk-based capital ratio | 14.7113% | 4,845 |
| Memoranda: | ||
| Average total assets | $346,740,500 | 1,899 |
| Average earning assets | $313,615,000 | 1,907 |
| Average equity | $42,201,000 | 1,643 |
| Average total loans | $263,145,000 | 1,592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 1,593 |
| Cost of funding earning assets | 0.7057% | 5,500 |
| Net interest margin | 4.6351% | 860 |
| Noninterest income to average assets | 0.6806% | 2,718 |
| Noninterest expense to average assets | 3.3185% | 2,462 |
| Loan and lease loss provision to assets | 0.3548% | 2,875 |
| Net operating income to assets | 0.8125% | 2,986 |
| Return on assets (ROA) | 0.8302% | 3,071 |
| Pretax return on assets | 1.2286% | 2,358 |
| Return on Equity (ROE) | 7.4625% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.4625% | 1,284 |
| Net charge-offs to loans | 1.1381% | 1,494 |
| Credit loss provision to net charge-offs | 41.0469% | 5,612 |
| Earnings coverage of net charge-offs (x) | 1.8018% | 4,436 |
| Efficiency ratio | 67.9398% | 4,374 |
| Assets per employee ($millions) | 5.0243% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1410% | 716 |
| Loan loss allowance to noncurrent loans | 122.5454% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 3.3381% | 1,774 |
| Noncurrent loans to loans | 2.5632% | 2,561 |
| Net loans and leases to total assets | 72.7735% | 1,499 |
| Net loans and leases to deposits | 94.3246% | 790 |
| Net loans and leases to core deposits | 94.4485% | 1,640 |
| Total domestic deposits to total assets | 77.1522% | 6,318 |
| Equity capital to assets | 11.9508% | 2,164 |
| Core capital (leverage) ratio | 10.6462% | 2,566 |
| Tier 1 risk-based capital ratio | 13.1703% | 4,939 |
| Total risk-based capital ratio | 14.4407% | 4,898 |
| Memoranda: | ||
| Average total assets | $362,449,800 | 1,794 |
| Average earning assets | $328,061,200 | 1,801 |
| Average equity | $40,321,400 | 1,672 |
| Average total loans | $275,277,600 | 1,538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 1,477 |
| Cost of funding earning assets | 0.7468% | 5,487 |
| Net interest margin | 4.6661% | 821 |
| Noninterest income to average assets | 0.7434% | 2,349 |
| Noninterest expense to average assets | 3.3046% | 2,481 |
| Loan and lease loss provision to assets | 0.4623% | 2,144 |
| Net operating income to assets | 0.7993% | 3,166 |
| Return on assets (ROA) | 0.8201% | 3,227 |
| Pretax return on assets | 1.2050% | 2,611 |
| Return on Equity (ROE) | 7.5064% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.5064% | 1,705 |
| Net charge-offs to loans | 0.6977% | 2,165 |
| Credit loss provision to net charge-offs | 87.0103% | 3,887 |
| Earnings coverage of net charge-offs (x) | 3.0804% | 3,596 |
| Efficiency ratio | 66.7603% | 4,575 |
| Assets per employee ($millions) | 5.1394% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5989% | 522 |
| Loan loss allowance to noncurrent loans | 88.6811% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 4.6484% | 1,278 |
| Noncurrent loans to loans | 4.0582% | 1,633 |
| Net loans and leases to total assets | 74.1435% | 1,310 |
| Net loans and leases to deposits | 95.8111% | 710 |
| Net loans and leases to core deposits | 95.9337% | 1,613 |
| Total domestic deposits to total assets | 77.3851% | 6,313 |
| Equity capital to assets | 11.4963% | 2,687 |
| Core capital (leverage) ratio | 10.1460% | 3,251 |
| Tier 1 risk-based capital ratio | 12.4935% | 5,487 |
| Total risk-based capital ratio | 13.7699% | 5,462 |
| Memoranda: | ||
| Average total assets | $365,137,000 | 1,783 |
| Average earning assets | $328,485,750 | 1,809 |
| Average equity | $39,894,000 | 1,688 |
| Average total loans | $278,035,750 | 1,540 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 1,251 |
| Cost of funding earning assets | 0.7918% | 5,437 |
| Net interest margin | 4.7298% | 688 |
| Noninterest income to average assets | 0.7407% | 2,318 |
| Noninterest expense to average assets | 3.2377% | 2,779 |
| Loan and lease loss provision to assets | 0.4301% | 2,276 |
| Net operating income to assets | 0.8719% | 2,760 |
| Return on assets (ROA) | 0.9026% | 2,734 |
| Pretax return on assets | 1.3250% | 2,057 |
| Return on Equity (ROE) | 8.4049% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.4049% | 1,299 |
| Net charge-offs to loans | 1.1800% | 1,324 |
| Credit loss provision to net charge-offs | 48.0219% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1.9093% | 3,909 |
| Efficiency ratio | 65.3189% | 4,999 |
| Assets per employee ($millions) | 5.0695% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3982% | 647 |
| Loan loss allowance to noncurrent loans | 143.9436% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 3.7427% | 1,738 |
| Noncurrent loans to loans | 2.3608% | 3,031 |
| Net loans and leases to total assets | 73.3958% | 1,518 |
| Net loans and leases to deposits | 95.9694% | 723 |
| Net loans and leases to core deposits | 97.8734% | 1,514 |
| Total domestic deposits to total assets | 76.4783% | 6,525 |
| Equity capital to assets | 11.2474% | 2,727 |
| Core capital (leverage) ratio | 10.0216% | 3,235 |
| Tier 1 risk-based capital ratio | 12.1770% | 5,634 |
| Total risk-based capital ratio | 13.4501% | 5,598 |
| Memoranda: | ||
| Average total assets | $366,929,670 | 1,782 |
| Average earning assets | $326,354,330 | 1,824 |
| Average equity | $39,405,670 | 1,700 |
| Average total loans | $278,482,330 | 1,554 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 1,317 |
| Cost of funding earning assets | 0.7730% | 5,729 |
| Net interest margin | 4.7219% | 674 |
| Noninterest income to average assets | 0.8002% | 2,037 |
| Noninterest expense to average assets | 3.2492% | 2,707 |
| Loan and lease loss provision to assets | 0.2008% | 3,624 |
| Net operating income to assets | 0.9339% | 2,430 |
| Return on assets (ROA) | 0.9913% | 2,266 |
| Pretax return on assets | 1.6413% | 1,099 |
| Return on Equity (ROE) | 9.4476% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.4476% | 1,249 |
| Net charge-offs to loans | 1.6670% | 799 |
| Credit loss provision to net charge-offs | 15.8839% | 4,315 |
| Earnings coverage of net charge-offs (x) | 1.3860% | 3,658 |
| Efficiency ratio | 64.8532% | 5,211 |
| Assets per employee ($millions) | 5.3512% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2878% | 717 |
| Loan loss allowance to noncurrent loans | 115.7988% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 4.2079% | 1,565 |
| Noncurrent loans to loans | 2.8393% | 2,661 |
| Net loans and leases to total assets | 71.9469% | 1,731 |
| Net loans and leases to deposits | 99.3109% | 509 |
| Net loans and leases to core deposits | 103.3442% | 1,105 |
| Total domestic deposits to total assets | 72.4462% | 7,045 |
| Equity capital to assets | 10.5157% | 3,161 |
| Core capital (leverage) ratio | 9.4478% | 3,890 |
| Tier 1 risk-based capital ratio | 11.5710% | 6,049 |
| Total risk-based capital ratio | 12.8434% | 6,015 |
| Memoranda: | ||
| Average total assets | $370,428,500 | 1,785 |
| Average earning assets | $329,612,500 | 1,818 |
| Average equity | $38,867,000 | 1,712 |
| Average total loans | $280,989,500 | 1,558 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 2,389 |
| Cost of funding earning assets | 0.9891% | 5,741 |
| Net interest margin | 4.4831% | 1,265 |
| Noninterest income to average assets | 0.3845% | 5,025 |
| Noninterest expense to average assets | 3.8577% | 1,379 |
| Loan and lease loss provision to assets | 2.0634% | 627 |
| Net operating income to assets | 0.1281% | 5,518 |
| Return on assets (ROA) | 0.2544% | 5,247 |
| Pretax return on assets | -1.1891% | 6,735 |
| Return on Equity (ROE) | 2.5031% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.5031% | 4,118 |
| Net charge-offs to loans | 1.0445% | 2,114 |
| Credit loss provision to net charge-offs | 254.2083% | 1,112 |
| Earnings coverage of net charge-offs (x) | 0.8339% | 5,297 |
| Efficiency ratio | 84.9515% | 1,806 |
| Assets per employee ($millions) | 5.3083% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5815% | 556 |
| Loan loss allowance to noncurrent loans | 105.8412% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 5.0361% | 1,264 |
| Noncurrent loans to loans | 3.3839% | 2,247 |
| Net loans and leases to total assets | 74.5805% | 1,558 |
| Net loans and leases to deposits | 104.0390% | 400 |
| Net loans and leases to core deposits | 108.4185% | 1,020 |
| Total domestic deposits to total assets | 71.6851% | 7,109 |
| Equity capital to assets | 10.4687% | 3,190 |
| Core capital (leverage) ratio | 9.0977% | 4,363 |
| Tier 1 risk-based capital ratio | 10.9013% | 6,413 |
| Total risk-based capital ratio | 12.1768% | 6,358 |
| Memoranda: | ||
| Average total assets | $382,038,800 | 1,719 |
| Average earning assets | $353,659,800 | 1,703 |
| Average equity | $38,832,000 | 1,701 |
| Average total loans | $296,874,800 | 1,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 2,638 |
| Cost of funding earning assets | 0.9891% | 5,986 |
| Net interest margin | 4.4627% | 1,340 |
| Noninterest income to average assets | 0.3914% | 5,028 |
| Noninterest expense to average assets | 3.4833% | 2,070 |
| Loan and lease loss provision to assets | 2.1427% | 533 |
| Net operating income to assets | 0.5829% | 3,944 |
| Return on assets (ROA) | 0.7496% | 3,378 |
| Pretax return on assets | -0.8301% | 6,758 |
| Return on Equity (ROE) | 7.4274% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.4274% | 1,630 |
| Net charge-offs to loans | 1.0923% | 1,862 |
| Credit loss provision to net charge-offs | 252.1545% | 1,318 |
| Earnings coverage of net charge-offs (x) | 1.2382% | 4,824 |
| Efficiency ratio | 76.6794% | 2,818 |
| Assets per employee ($millions) | 5.3506% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1952% | 697 |
| Loan loss allowance to noncurrent loans | 74.6986% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 6.1621% | 959 |
| Noncurrent loans to loans | 4.2774% | 1,701 |
| Net loans and leases to total assets | 74.7440% | 1,631 |
| Net loans and leases to deposits | 107.2763% | 314 |
| Net loans and leases to core deposits | 112.0496% | 931 |
| Total domestic deposits to total assets | 69.6742% | 7,287 |
| Equity capital to assets | 10.6872% | 3,298 |
| Core capital (leverage) ratio | 9.4512% | 3,984 |
| Tier 1 risk-based capital ratio | 11.4127% | 6,007 |
| Total risk-based capital ratio | 12.6836% | 5,975 |
| Memoranda: | ||
| Average total assets | $385,980,000 | 1,728 |
| Average earning assets | $358,427,750 | 1,693 |
| Average equity | $38,954,000 | 1,713 |
| Average total loans | $300,264,500 | 1,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3941% | 2,997 |
| Cost of funding earning assets | 0.9726% | 6,276 |
| Net interest margin | 4.4215% | 1,390 |
| Noninterest income to average assets | 0.2630% | 6,032 |
| Noninterest expense to average assets | 2.9813% | 3,775 |
| Loan and lease loss provision to assets | 2.0231% | 608 |
| Net operating income to assets | 1.3917% | 1,111 |
| Return on assets (ROA) | 1.4950% | 980 |
| Pretax return on assets | -0.4699% | 6,562 |
| Return on Equity (ROE) | 15.0928% | 842 |
| Retained earnings to average equity (ytd only) | 15.0928% | 236 |
| Net charge-offs to loans | 0.3242% | 3,703 |
| Credit loss provision to net charge-offs | 800.2020% | 461 |
| Earnings coverage of net charge-offs (x) | 5.5051% | 2,653 |
| Efficiency ratio | 68.0448% | 4,572 |
| Assets per employee ($millions) | 5.7027% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9754% | 835 |
| Loan loss allowance to noncurrent loans | 56.2592% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 4.7798% | 1,356 |
| Noncurrent loans to loans | 5.2887% | 1,276 |
| Net loans and leases to total assets | 73.1844% | 2,114 |
| Net loans and leases to deposits | 106.3734% | 375 |
| Net loans and leases to core deposits | 110.7108% | 1,119 |
| Total domestic deposits to total assets | 68.7995% | 7,395 |
| Equity capital to assets | 10.2555% | 3,698 |
| Core capital (leverage) ratio | 9.8749% | 3,304 |
| Tier 1 risk-based capital ratio | 12.1116% | 5,210 |
| Total risk-based capital ratio | 13.3812% | 5,167 |
| Memoranda: | ||
| Average total assets | $391,576,330 | 1,720 |
| Average earning assets | $363,990,330 | 1,690 |
| Average equity | $38,786,670 | 1,715 |
| Average total loans | $305,334,000 | 1,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 2,673 |
| Cost of funding earning assets | 1.0684% | 6,050 |
| Net interest margin | 4.4143% | 1,356 |
| Noninterest income to average assets | 0.3625% | 5,242 |
| Noninterest expense to average assets | 2.8386% | 4,326 |
| Loan and lease loss provision to assets | 3.2789% | 291 |
| Net operating income to assets | 2.4809% | 153 |
| Return on assets (ROA) | 2.6880% | 124 |
| Pretax return on assets | -1.2851% | 7,179 |
| Return on Equity (ROE) | 27.6294% | 114 |
| Retained earnings to average equity (ytd only) | 27.6294% | 85 |
| Net charge-offs to loans | -0.0181% | 7,050 |
| Credit loss provision to net charge-offs | -22,871.4286% | 6,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8435% | 5,686 |
| Assets per employee ($millions) | 5.8157% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7931% | 995 |
| Loan loss allowance to noncurrent loans | 68.9846% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 3.4895% | 2,018 |
| Noncurrent loans to loans | 4.0489% | 1,928 |
| Net loans and leases to total assets | 76.6411% | 1,407 |
| Net loans and leases to deposits | 105.7714% | 434 |
| Net loans and leases to core deposits | 117.1508% | 898 |
| Total domestic deposits to total assets | 72.4592% | 7,220 |
| Equity capital to assets | 10.1505% | 3,668 |
| Core capital (leverage) ratio | 9.4638% | 3,829 |
| Tier 1 risk-based capital ratio | 11.3975% | 5,769 |
| Total risk-based capital ratio | 12.6649% | 5,726 |
| Memoranda: | ||
| Average total assets | $390,621,000 | 1,763 |
| Average earning assets | $366,896,000 | 1,717 |
| Average equity | $38,003,000 | 1,773 |
| Average total loans | $309,600,000 | 1,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 1,836 |
| Cost of funding earning assets | 1.3069% | 6,283 |
| Net interest margin | 4.7000% | 835 |
| Noninterest income to average assets | 0.2866% | 6,055 |
| Noninterest expense to average assets | 2.6561% | 5,572 |
| Loan and lease loss provision to assets | 2.0831% | 1,016 |
| Net operating income to assets | -0.0420% | 5,572 |
| Return on assets (ROA) | 0.0814% | 5,300 |
| Pretax return on assets | 0.0814% | 5,257 |
| Return on Equity (ROE) | 0.8731% | 5,270 |
| Retained earnings to average equity (ytd only) | -1.4871% | 5,390 |
| Net charge-offs to loans | 2.2851% | 1,023 |
| Credit loss provision to net charge-offs | 111.4861% | 4,927 |
| Earnings coverage of net charge-offs (x) | 1.0924% | 5,016 |
| Efficiency ratio | 56.4368% | 6,960 |
| Assets per employee ($millions) | 6.0244% | 1,229 |
| Cash dividends to net income (ytd only)* | 270.3125% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 2,834 |
| Loan loss allowance to noncurrent loans | 69.2526% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 2.1921% | 3,141 |
| Noncurrent loans to loans | 2.4831% | 3,061 |
| Net loans and leases to total assets | 78.3014% | 1,321 |
| Net loans and leases to deposits | 112.8820% | 295 |
| Net loans and leases to core deposits | 117.3953% | 2,188 |
| Total domestic deposits to total assets | 69.3658% | 7,469 |
| Equity capital to assets | 9.3093% | 4,686 |
| Core capital (leverage) ratio | 8.9531% | 4,504 |
| Tier 1 risk-based capital ratio | 10.8446% | 6,069 |
| Total risk-based capital ratio | 12.0993% | 6,036 |
| Memoranda: | ||
| Average total assets | $393,253,000 | 1,747 |
| Average earning assets | $369,046,400 | 1,711 |
| Average equity | $36,649,400 | 1,837 |
| Average total loans | $321,560,200 | 1,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9749% | 2,134 |
| Cost of funding earning assets | 1.3227% | 6,482 |
| Net interest margin | 4.6522% | 907 |
| Noninterest income to average assets | 0.2469% | 6,471 |
| Noninterest expense to average assets | 2.6550% | 5,508 |
| Loan and lease loss provision to assets | 2.5632% | 640 |
| Net operating income to assets | -0.5863% | 6,517 |
| Return on assets (ROA) | -0.5226% | 6,450 |
| Pretax return on assets | -0.5226% | 6,327 |
| Return on Equity (ROE) | -5.6059% | 6,513 |
| Retained earnings to average equity (ytd only) | -8.7486% | 6,679 |
| Net charge-offs to loans | 2.1093% | 921 |
| Credit loss provision to net charge-offs | 147.6683% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.1389% | 4,923 |
| Efficiency ratio | 57.2097% | 6,841 |
| Assets per employee ($millions) | 5.7192% | 1,417 |
| Cash dividends to net income (ytd only)* | -56.0595% | 7,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 1,483 |
| Loan loss allowance to noncurrent loans | 134.0004% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4826% | 4,153 |
| Noncurrent loans to loans | 1.6161% | 4,217 |
| Net loans and leases to total assets | 82.1030% | 791 |
| Net loans and leases to deposits | 120.9900% | 184 |
| Net loans and leases to core deposits | 126.8068% | 1,675 |
| Total domestic deposits to total assets | 67.8594% | 7,592 |
| Equity capital to assets | 9.2305% | 5,113 |
| Core capital (leverage) ratio | 8.4326% | 5,611 |
| Tier 1 risk-based capital ratio | 9.9283% | 7,035 |
| Total risk-based capital ratio | 11.1883% | 6,989 |
| Memoranda: | ||
| Average total assets | $393,669,250 | 1,757 |
| Average earning assets | $371,056,750 | 1,707 |
| Average equity | $36,698,250 | 1,852 |
| Average total loans | $323,954,250 | 1,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 2,747 |
| Cost of funding earning assets | 1.4018% | 6,473 |
| Net interest margin | 4.4611% | 1,264 |
| Noninterest income to average assets | 0.3842% | 5,426 |
| Noninterest expense to average assets | 3.0129% | 4,033 |
| Loan and lease loss provision to assets | 0.7946% | 2,104 |
| Net operating income to assets | 0.7674% | 2,980 |
| Return on assets (ROA) | 0.8621% | 2,706 |
| Pretax return on assets | 0.8621% | 3,465 |
| Return on Equity (ROE) | 9.2189% | 2,279 |
| Retained earnings to average equity (ytd only) | 4.5610% | 2,756 |
| Net charge-offs to loans | 1.2169% | 1,507 |
| Credit loss provision to net charge-offs | 79.8583% | 5,204 |
| Earnings coverage of net charge-offs (x) | 1.5698% | 4,362 |
| Efficiency ratio | 65.7457% | 5,591 |
| Assets per employee ($millions) | 5.7812% | 1,355 |
| Cash dividends to net income (ytd only)* | 50.5257% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,463 |
| Loan loss allowance to noncurrent loans | 65.3614% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.7970% | 3,482 |
| Noncurrent loans to loans | 1.9436% | 3,608 |
| Net loans and leases to total assets | 79.1797% | 1,485 |
| Net loans and leases to deposits | 116.7542% | 308 |
| Net loans and leases to core deposits | 121.0023% | 2,278 |
| Total domestic deposits to total assets | 67.8174% | 7,632 |
| Equity capital to assets | 9.3469% | 4,804 |
| Core capital (leverage) ratio | 9.4353% | 3,982 |
| Tier 1 risk-based capital ratio | 10.5515% | 6,329 |
| Total risk-based capital ratio | 11.7284% | 6,343 |
| Memoranda: | ||
| Average total assets | $397,163,000 | 1,775 |
| Average earning assets | $373,095,000 | 1,728 |
| Average equity | $37,141,000 | 1,838 |
| Average total loans | $324,748,000 | 1,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,826 |
| Cost of funding earning assets | 1.4685% | 6,512 |
| Net interest margin | 4.4258% | 1,282 |
| Noninterest income to average assets | 0.3864% | 5,327 |
| Noninterest expense to average assets | 2.8612% | 4,295 |
| Loan and lease loss provision to assets | 1.4011% | 910 |
| Net operating income to assets | 0.3162% | 5,235 |
| Return on assets (ROA) | 0.4087% | 5,000 |
| Pretax return on assets | 0.4087% | 5,369 |
| Return on Equity (ROE) | 4.3697% | 4,763 |
| Retained earnings to average equity (ytd only) | -4.3262% | 6,465 |
| Net charge-offs to loans | 2.7090% | 491 |
| Credit loss provision to net charge-offs | 62.6364% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.7677% | 4,409 |
| Efficiency ratio | 62.3806% | 5,983 |
| Assets per employee ($millions) | 5.5414% | 1,521 |
| Cash dividends to net income (ytd only)* | 199.0050% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,185 |
| Loan loss allowance to noncurrent loans | 130.1548% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 4,741 |
| Noncurrent loans to loans | 0.8757% | 5,265 |
| Net loans and leases to total assets | 82.7167% | 896 |
| Net loans and leases to deposits | 119.8098% | 294 |
| Net loans and leases to core deposits | 124.3403% | 2,056 |
| Total domestic deposits to total assets | 69.0400% | 7,510 |
| Equity capital to assets | 9.4926% | 4,674 |
| Core capital (leverage) ratio | 8.9606% | 4,775 |
| Tier 1 risk-based capital ratio | 10.2344% | 6,670 |
| Total risk-based capital ratio | 11.2943% | 6,782 |
| Memoranda: | ||
| Average total assets | $393,404,000 | 1,788 |
| Average earning assets | $372,635,500 | 1,741 |
| Average equity | $36,799,000 | 1,861 |
| Average total loans | $324,848,000 | 1,544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5958% | 2,511 |
| Cost of funding earning assets | 2.0498% | 6,239 |
| Net interest margin | 4.5460% | 1,320 |
| Noninterest income to average assets | 0.3730% | 5,713 |
| Noninterest expense to average assets | 2.8448% | 4,625 |
| Loan and lease loss provision to assets | 1.1981% | 1,201 |
| Net operating income to assets | 0.6111% | 4,256 |
| Return on assets (ROA) | 0.6465% | 3,973 |
| Pretax return on assets | 0.6465% | 4,560 |
| Return on Equity (ROE) | 7.2998% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.7142% | 2,829 |
| Net charge-offs to loans | 1.5641% | 738 |
| Credit loss provision to net charge-offs | 92.9707% | 5,600 |
| Earnings coverage of net charge-offs (x) | 1.4039% | 5,421 |
| Efficiency ratio | 61.0178% | 6,160 |
| Assets per employee ($millions) | 5.6987% | 1,322 |
| Cash dividends to net income (ytd only)* | 49.1194% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 3,250 |
| Loan loss allowance to noncurrent loans | 87.8035% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.5332% | 3,153 |
| Noncurrent loans to loans | 1.5836% | 3,402 |
| Net loans and leases to total assets | 80.3739% | 1,575 |
| Net loans and leases to deposits | 118.9682% | 412 |
| Net loans and leases to core deposits | 122.3874% | 2,467 |
| Total domestic deposits to total assets | 67.5591% | 7,513 |
| Equity capital to assets | 9.2192% | 5,048 |
| Core capital (leverage) ratio | 8.7651% | 5,091 |
| Tier 1 risk-based capital ratio | 10.2305% | 6,488 |
| Total risk-based capital ratio | 11.4808% | 6,351 |
| Memoranda: | ||
| Average total assets | $395,214,200 | 1,715 |
| Average earning assets | $372,175,000 | 1,674 |
| Average equity | $35,001,000 | 1,933 |
| Average total loans | $325,623,600 | 1,494 |