Home > Northwest Bank of Rockford > Performance and Condition Ratios
Northwest Bank of Rockford, 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 | 5.5935% | 1,037 |
| Cost of funding earning assets | 1.5843% | 1,730 |
| Net interest margin | 4.0092% | 1,191 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.6977% | 1,736 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3359% | 1,356 |
| Return on assets (ROA) | 1.3335% | 1,330 |
| Pretax return on assets | 1.8022% | 884 |
| Return on Equity (ROE) | 17.1200% | 933 |
| Retained earnings to average equity (ytd only) | 11.1995% | 752 |
| Net charge-offs to loans | 0.0289% | 1,721 |
| Credit loss provision to net charge-offs | 480.4878% | 696 |
| Earnings coverage of net charge-offs (x) | 91.6585% | 946 |
| Efficiency ratio | 58.3416% | 3,258 |
| Assets per employee ($millions) | 7.6996% | 1,590 |
| Cash dividends to net income (ytd only)* | 34.5954% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 969 |
| Loan loss allowance to noncurrent loans | 74.3622% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 247 |
| Noncurrent loans to loans | 2.0639% | 268 |
| Net loans and leases to total assets | 71.9800% | 1,582 |
| Net loans and leases to deposits | 85.1014% | 1,682 |
| Net loans and leases to core deposits | 92.1818% | 1,890 |
| Total domestic deposits to total assets | 84.5800% | 2,442 |
| Equity capital to assets | 7.7300% | 3,589 |
| Core capital (leverage) ratio | 9.2202% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $390,182,600 | 2,046 |
| Average earning assets | $361,740,600 | 2,033 |
| Average equity | $30,385,200 | 2,250 |
| Average total loans | $283,797,800 | 1,855 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 1,039 |
| Cost of funding earning assets | 1.4130% | 1,832 |
| Net interest margin | 4.0650% | 1,127 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.7776% | 1,482 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3008% | 1,550 |
| Return on assets (ROA) | 1.2975% | 1,536 |
| Pretax return on assets | 1.7482% | 1,086 |
| Return on Equity (ROE) | 16.6300% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.2714% | 780 |
| Net charge-offs to loans | 0.2687% | 325 |
| Credit loss provision to net charge-offs | 37.7460% | 1,943 |
| Earnings coverage of net charge-offs (x) | 9.4436% | 2,163 |
| Efficiency ratio | 60.1103% | 2,952 |
| Assets per employee ($millions) | 7.1046% | 1,875 |
| Cash dividends to net income (ytd only)* | 20.1830% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,454 |
| Loan loss allowance to noncurrent loans | 244.9102% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 1,382 |
| Noncurrent loans to loans | 0.5707% | 1,403 |
| Net loans and leases to total assets | 72.5200% | 1,511 |
| Net loans and leases to deposits | 84.3742% | 1,709 |
| Net loans and leases to core deposits | 90.9494% | 1,858 |
| Total domestic deposits to total assets | 85.9500% | 2,211 |
| Equity capital to assets | 7.5804% | 3,305 |
| Core capital (leverage) ratio | 9.7336% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $381,858,500 | 2,070 |
| Average earning assets | $352,893,750 | 2,081 |
| Average equity | $29,797,750 | 2,260 |
| Average total loans | $277,356,500 | 1,887 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 1,053 |
| Cost of funding earning assets | 1.2085% | 1,959 |
| Net interest margin | 4.1123% | 1,069 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.7865% | 1,445 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.2400% | 1,717 |
| Return on assets (ROA) | 1.2350% | 1,727 |
| Pretax return on assets | 1.6594% | 1,299 |
| Return on Equity (ROE) | 15.6700% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.2989% | 930 |
| Net charge-offs to loans | 0.4069% | 206 |
| Credit loss provision to net charge-offs | 42.5993% | 1,704 |
| Earnings coverage of net charge-offs (x) | 6.0939% | 2,139 |
| Efficiency ratio | 60.8444% | 2,858 |
| Assets per employee ($millions) | 6.7515% | 2,099 |
| Cash dividends to net income (ytd only)* | 21.5054% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,324 |
| Loan loss allowance to noncurrent loans | 164.0127% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 780 |
| Noncurrent loans to loans | 0.8881% | 862 |
| Net loans and leases to total assets | 72.4300% | 1,476 |
| Net loans and leases to deposits | 84.1188% | 1,659 |
| Net loans and leases to core deposits | 89.9720% | 1,800 |
| Total domestic deposits to total assets | 86.1000% | 2,206 |
| Equity capital to assets | 7.8662% | 3,299 |
| Core capital (leverage) ratio | 9.5686% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $376,525,667 | 2,096 |
| Average earning assets | $348,031,333 | 2,107 |
| Average equity | $29,677,333 | 2,275 |
| Average total loans | $272,273,333 | 1,902 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 1,058 |
| Cost of funding earning assets | 0.9753% | 2,130 |
| Net interest margin | 4.1513% | 1,020 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.7951% | 1,444 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.2670% | 1,760 |
| Return on assets (ROA) | 1.2568% | 1,754 |
| Pretax return on assets | 1.6790% | 1,318 |
| Return on Equity (ROE) | 15.9300% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.5225% | 1,174 |
| Net charge-offs to loans | 0.8135% | 93 |
| Credit loss provision to net charge-offs | 35.3591% | 1,331 |
| Earnings coverage of net charge-offs (x) | 3.2541% | 1,891 |
| Efficiency ratio | 59.5560% | 3,007 |
| Assets per employee ($millions) | 6.7289% | 2,170 |
| Cash dividends to net income (ytd only)* | 21.3675% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,338 |
| Loan loss allowance to noncurrent loans | 123.7663% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 531 |
| Noncurrent loans to loans | 1.1964% | 577 |
| Net loans and leases to total assets | 70.9100% | 1,535 |
| Net loans and leases to deposits | 79.7201% | 1,837 |
| Net loans and leases to core deposits | 84.7571% | 1,942 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 7.7106% | 3,439 |
| Core capital (leverage) ratio | 9.7340% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $372,364,500 | 2,143 |
| Average earning assets | $342,446,500 | 2,165 |
| Average equity | $29,387,000 | 2,316 |
| Average total loans | $266,987,000 | 1,938 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 1,220 |
| Cost of funding earning assets | 0.4031% | 2,074 |
| Net interest margin | 3.8091% | 1,144 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 3.0568% | 891 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.1338% | 2,037 |
| Return on assets (ROA) | 1.0914% | 2,155 |
| Pretax return on assets | 1.4487% | 1,620 |
| Return on Equity (ROE) | 13.3200% | 1,699 |
| Retained earnings to average equity (ytd only) | 9.1564% | 1,434 |
| Net charge-offs to loans | 0.0568% | 1,079 |
| Credit loss provision to net charge-offs | 504.4118% | 673 |
| Earnings coverage of net charge-offs (x) | 45.5441% | 1,426 |
| Efficiency ratio | 64.4023% | 2,449 |
| Assets per employee ($millions) | 6.3365% | 2,479 |
| Cash dividends to net income (ytd only)* | 31.2422% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 1,904 |
| Loan loss allowance to noncurrent loans | 285.8974% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 1,561 |
| Noncurrent loans to loans | 0.4537% | 1,577 |
| Net loans and leases to total assets | 70.4800% | 1,586 |
| Net loans and leases to deposits | 78.2803% | 1,912 |
| Net loans and leases to core deposits | 81.8045% | 2,018 |
| Total domestic deposits to total assets | 90.0300% | 1,352 |
| Equity capital to assets | 8.0846% | 3,006 |
| Core capital (leverage) ratio | 9.6365% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $366,597,200 | 2,156 |
| Average earning assets | $335,385,200 | 2,175 |
| Average equity | $30,044,600 | 2,335 |
| Average total loans | $239,283,600 | 2,004 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 1,421 |
| Cost of funding earning assets | 0.2661% | 2,531 |
| Net interest margin | 3.6597% | 1,244 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 3.1011% | 782 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1599% | 1,855 |
| Return on assets (ROA) | 1.1679% | 1,799 |
| Pretax return on assets | 1.5513% | 1,264 |
| Return on Equity (ROE) | 14.2000% | 1,372 |
| Retained earnings to average equity (ytd only) | 9.7962% | 1,403 |
| Net charge-offs to loans | 0.0619% | 869 |
| Credit loss provision to net charge-offs | 126.6055% | 1,190 |
| Earnings coverage of net charge-offs (x) | 40.2844% | 1,386 |
| Efficiency ratio | 66.0900% | 2,267 |
| Assets per employee ($millions) | 6.0981% | 2,676 |
| Cash dividends to net income (ytd only)* | 31.0270% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,877 |
| Loan loss allowance to noncurrent loans | 253.2735% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 1,749 |
| Noncurrent loans to loans | 0.4467% | 1,691 |
| Net loans and leases to total assets | 66.3400% | 1,852 |
| Net loans and leases to deposits | 74.4613% | 2,009 |
| Net loans and leases to core deposits | 79.5301% | 1,931 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 7.5014% | 3,219 |
| Core capital (leverage) ratio | 9.9303% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $367,951,250 | 2,164 |
| Average earning assets | $335,682,000 | 2,185 |
| Average equity | $30,255,750 | 2,359 |
| Average total loans | $234,630,250 | 2,032 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 1,395 |
| Cost of funding earning assets | 0.2469% | 2,312 |
| Net interest margin | 3.5142% | 1,279 |
| Noninterest income to average assets | 1.3884% | 376 |
| Noninterest expense to average assets | 3.1047% | 726 |
| Loan and lease loss provision to assets | 0.0393% | 1,879 |
| Net operating income to assets | 1.0845% | 1,835 |
| Return on assets (ROA) | 1.0965% | 1,762 |
| Pretax return on assets | 1.4506% | 1,307 |
| Return on Equity (ROE) | 12.9512% | 1,390 |
| Retained earnings to average equity (ytd only) | 8.1186% | 1,571 |
| Net charge-offs to loans | 0.0305% | 1,115 |
| Credit loss provision to net charge-offs | 205.7143% | 955 |
| Earnings coverage of net charge-offs (x) | 77.2286% | 951 |
| Efficiency ratio | 67.7984% | 2,271 |
| Assets per employee ($millions) | 4.6730% | 3,956 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,521 |
| Loan loss allowance to noncurrent loans | 163.8889% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 1,156 |
| Noncurrent loans to loans | 0.7517% | 1,142 |
| Net loans and leases to total assets | 64.7814% | 1,824 |
| Net loans and leases to deposits | 72.0205% | 2,025 |
| Net loans and leases to core deposits | 73.7489% | 2,193 |
| Total domestic deposits to total assets | 89.9486% | 1,728 |
| Equity capital to assets | 8.0279% | 3,103 |
| Core capital (leverage) ratio | 9.5619% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,607,667 | 2,173 |
| Average earning assets | $332,877,333 | 2,214 |
| Average equity | $31,039,667 | 2,370 |
| Average total loans | $229,646,333 | 2,054 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 1,563 |
| Cost of funding earning assets | 0.2826% | 1,793 |
| Net interest margin | 3.2972% | 1,568 |
| Noninterest income to average assets | 1.2907% | 430 |
| Noninterest expense to average assets | 3.0608% | 740 |
| Loan and lease loss provision to assets | 0.0053% | 2,210 |
| Net operating income to assets | 0.9224% | 2,191 |
| Return on assets (ROA) | 0.9427% | 2,089 |
| Pretax return on assets | 1.2395% | 1,682 |
| Return on Equity (ROE) | 10.8705% | 1,658 |
| Retained earnings to average equity (ytd only) | 4.7151% | 2,700 |
| Net charge-offs to loans | 0.0383% | 898 |
| Credit loss provision to net charge-offs | 22.7273% | 1,284 |
| Earnings coverage of net charge-offs (x) | 51.9091% | 913 |
| Efficiency ratio | 71.5141% | 2,041 |
| Assets per employee ($millions) | 5.2568% | 3,539 |
| Cash dividends to net income (ytd only)* | 56.6251% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,693 |
| Loan loss allowance to noncurrent loans | 572.7835% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 2,873 |
| Noncurrent loans to loans | 0.2150% | 2,749 |
| Net loans and leases to total assets | 60.5564% | 2,005 |
| Net loans and leases to deposits | 67.8164% | 2,174 |
| Net loans and leases to core deposits | 69.7310% | 2,313 |
| Total domestic deposits to total assets | 89.2947% | 1,928 |
| Equity capital to assets | 8.4236% | 3,222 |
| Core capital (leverage) ratio | 9.2190% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,673,000 | 2,153 |
| Average earning assets | $339,678,500 | 2,188 |
| Average equity | $32,491,500 | 2,358 |
| Average total loans | $229,531,500 | 2,046 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 2,231 |
| Cost of funding earning assets | 0.4455% | 1,238 |
| Net interest margin | 3.2115% | 2,573 |
| Noninterest income to average assets | 1.4490% | 533 |
| Noninterest expense to average assets | 2.8892% | 1,176 |
| Loan and lease loss provision to assets | 0.0365% | 2,310 |
| Net operating income to assets | 1.0971% | 2,301 |
| Return on assets (ROA) | 1.1042% | 2,339 |
| Pretax return on assets | 1.4757% | 1,802 |
| Return on Equity (ROE) | 13.0395% | 1,455 |
| Retained earnings to average equity (ytd only) | 13.0395% | 398 |
| Net charge-offs to loans | 0.1256% | 724 |
| Credit loss provision to net charge-offs | 47.5862% | 2,150 |
| Earnings coverage of net charge-offs (x) | 19.5897% | 1,870 |
| Efficiency ratio | 65.7771% | 2,289 |
| Assets per employee ($millions) | 5.2242% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,898 |
| Loan loss allowance to noncurrent loans | 178.9373% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 1,596 |
| Noncurrent loans to loans | 0.6691% | 1,497 |
| Net loans and leases to total assets | 60.4812% | 2,114 |
| Net loans and leases to deposits | 69.7629% | 2,154 |
| Net loans and leases to core deposits | 72.0371% | 2,259 |
| Total domestic deposits to total assets | 86.6953% | 2,625 |
| Equity capital to assets | 8.9116% | 3,713 |
| Core capital (leverage) ratio | 8.8260% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,923,000 | 2,071 |
| Average earning assets | $346,377,400 | 2,098 |
| Average equity | $32,002,800 | 2,423 |
| Average total loans | $230,950,400 | 2,046 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 2,384 |
| Cost of funding earning assets | 0.4704% | 1,212 |
| Net interest margin | 3.1883% | 2,765 |
| Noninterest income to average assets | 1.3681% | 632 |
| Noninterest expense to average assets | 2.9041% | 1,122 |
| Loan and lease loss provision to assets | 0.0467% | 2,065 |
| Net operating income to assets | 1.0089% | 2,874 |
| Return on assets (ROA) | 1.0184% | 2,903 |
| Pretax return on assets | 1.3557% | 2,477 |
| Return on Equity (ROE) | 12.1875% | 1,987 |
| Retained earnings to average equity (ytd only) | 12.1875% | 800 |
| Net charge-offs to loans | 0.1621% | 520 |
| Credit loss provision to net charge-offs | 47.1429% | 1,876 |
| Earnings coverage of net charge-offs (x) | 14.0429% | 1,905 |
| Efficiency ratio | 67.6245% | 1,883 |
| Assets per employee ($millions) | 5.6046% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,801 |
| Loan loss allowance to noncurrent loans | 482.5862% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 3,137 |
| Noncurrent loans to loans | 0.2566% | 2,905 |
| Net loans and leases to total assets | 56.0945% | 2,719 |
| Net loans and leases to deposits | 68.7636% | 2,359 |
| Net loans and leases to core deposits | 71.3288% | 2,487 |
| Total domestic deposits to total assets | 81.5758% | 3,997 |
| Equity capital to assets | 8.2955% | 4,353 |
| Core capital (leverage) ratio | 8.6746% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,061,250 | 2,101 |
| Average earning assets | $346,089,750 | 2,123 |
| Average equity | $31,507,000 | 2,477 |
| Average total loans | $230,325,000 | 2,087 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 2,605 |
| Cost of funding earning assets | 0.5133% | 1,129 |
| Net interest margin | 3.0920% | 3,057 |
| Noninterest income to average assets | 1.3801% | 622 |
| Noninterest expense to average assets | 2.9154% | 1,123 |
| Loan and lease loss provision to assets | 0.0681% | 1,691 |
| Net operating income to assets | 0.9322% | 3,127 |
| Return on assets (ROA) | 0.9322% | 3,205 |
| Pretax return on assets | 1.2386% | 2,807 |
| Return on Equity (ROE) | 11.1269% | 2,387 |
| Retained earnings to average equity (ytd only) | 11.1269% | 1,100 |
| Net charge-offs to loans | 0.2390% | 363 |
| Credit loss provision to net charge-offs | 45.4874% | 1,627 |
| Earnings coverage of net charge-offs (x) | 8.7292% | 1,865 |
| Efficiency ratio | 69.0516% | 1,753 |
| Assets per employee ($millions) | 4.9724% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,864 |
| Loan loss allowance to noncurrent loans | 309.6346% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,708 |
| Noncurrent loans to loans | 0.3914% | 2,501 |
| Net loans and leases to total assets | 61.9434% | 2,184 |
| Net loans and leases to deposits | 71.1887% | 2,281 |
| Net loans and leases to core deposits | 73.9109% | 2,417 |
| Total domestic deposits to total assets | 87.0129% | 2,311 |
| Equity capital to assets | 8.6342% | 4,102 |
| Core capital (leverage) ratio | 8.2016% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,106,000 | 2,118 |
| Average earning assets | $340,165,333 | 2,137 |
| Average equity | $31,006,000 | 2,488 |
| Average total loans | $231,762,000 | 2,088 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 2,389 |
| Cost of funding earning assets | 0.5500% | 1,102 |
| Net interest margin | 3.1383% | 2,880 |
| Noninterest income to average assets | 1.4300% | 653 |
| Noninterest expense to average assets | 2.8989% | 1,160 |
| Loan and lease loss provision to assets | 0.1315% | 1,042 |
| Net operating income to assets | 0.9677% | 2,911 |
| Return on assets (ROA) | 0.9677% | 3,007 |
| Pretax return on assets | 1.3018% | 2,567 |
| Return on Equity (ROE) | 11.7294% | 2,114 |
| Retained earnings to average equity (ytd only) | 11.7294% | 1,218 |
| Net charge-offs to loans | 0.1274% | 571 |
| Credit loss provision to net charge-offs | 164.8649% | 955 |
| Earnings coverage of net charge-offs (x) | 17.9730% | 1,284 |
| Efficiency ratio | 66.9154% | 2,096 |
| Assets per employee ($millions) | 5.0567% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,488 |
| Loan loss allowance to noncurrent loans | 343.8576% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,032 |
| Noncurrent loans to loans | 0.3749% | 2,750 |
| Net loans and leases to total assets | 58.8962% | 2,692 |
| Net loans and leases to deposits | 67.1962% | 2,786 |
| Net loans and leases to core deposits | 69.8474% | 2,878 |
| Total domestic deposits to total assets | 87.6482% | 2,018 |
| Equity capital to assets | 7.9087% | 4,539 |
| Core capital (leverage) ratio | 8.2061% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,180,500 | 2,101 |
| Average earning assets | $343,247,000 | 2,110 |
| Average equity | $30,624,000 | 2,500 |
| Average total loans | $232,282,500 | 2,085 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,470 |
| Cost of funding earning assets | 0.8583% | 994 |
| Net interest margin | 3.5801% | 2,213 |
| Noninterest income to average assets | 1.7072% | 430 |
| Noninterest expense to average assets | 3.3870% | 803 |
| Loan and lease loss provision to assets | 0.8636% | 138 |
| Net operating income to assets | 0.6003% | 3,756 |
| Return on assets (ROA) | 0.6008% | 3,867 |
| Pretax return on assets | 0.7634% | 3,729 |
| Return on Equity (ROE) | 6.8282% | 3,270 |
| Retained earnings to average equity (ytd only) | 5.9550% | 1,815 |
| Net charge-offs to loans | 0.9833% | 134 |
| Credit loss provision to net charge-offs | 120.1882% | 2,632 |
| Earnings coverage of net charge-offs (x) | 2.2635% | 3,180 |
| Efficiency ratio | 67.5596% | 2,288 |
| Assets per employee ($millions) | 4.5843% | 3,830 |
| Cash dividends to net income (ytd only)* | 12.7877% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,577 |
| Loan loss allowance to noncurrent loans | 290.6312% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 2,856 |
| Noncurrent loans to loans | 0.4366% | 2,662 |
| Net loans and leases to total assets | 64.9588% | 2,234 |
| Net loans and leases to deposits | 75.6818% | 2,312 |
| Net loans and leases to core deposits | 78.9370% | 2,461 |
| Total domestic deposits to total assets | 85.8314% | 2,439 |
| Equity capital to assets | 8.6274% | 4,352 |
| Core capital (leverage) ratio | 8.5332% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,395,000 | 2,160 |
| Average earning assets | $300,492,000 | 2,177 |
| Average equity | $28,631,400 | 2,560 |
| Average total loans | $237,777,600 | 1,983 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 1,850 |
| Cost of funding earning assets | 0.9212% | 995 |
| Net interest margin | 3.4795% | 2,656 |
| Noninterest income to average assets | 1.6833% | 413 |
| Noninterest expense to average assets | 3.4574% | 745 |
| Loan and lease loss provision to assets | 1.0876% | 113 |
| Net operating income to assets | 0.3074% | 4,436 |
| Return on assets (ROA) | 0.3081% | 4,484 |
| Pretax return on assets | 0.3554% | 4,482 |
| Return on Equity (ROE) | 3.4828% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.2998% | 3,825 |
| Net charge-offs to loans | 1.1724% | 114 |
| Credit loss provision to net charge-offs | 123.4903% | 2,482 |
| Earnings coverage of net charge-offs (x) | 1.6381% | 3,055 |
| Efficiency ratio | 70.5656% | 1,810 |
| Assets per employee ($millions) | 4.3402% | 4,005 |
| Cash dividends to net income (ytd only)* | 33.9674% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,120 |
| Loan loss allowance to noncurrent loans | 216.5693% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 2,553 |
| Noncurrent loans to loans | 0.5156% | 2,508 |
| Net loans and leases to total assets | 77.6091% | 881 |
| Net loans and leases to deposits | 92.6108% | 1,024 |
| Net loans and leases to core deposits | 97.0089% | 1,380 |
| Total domestic deposits to total assets | 83.8014% | 2,891 |
| Equity capital to assets | 8.6484% | 4,372 |
| Core capital (leverage) ratio | 8.3212% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,495,500 | 2,178 |
| Average earning assets | $294,406,750 | 2,188 |
| Average equity | $28,175,750 | 2,584 |
| Average total loans | $239,160,250 | 1,977 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 2,181 |
| Cost of funding earning assets | 0.9843% | 1,032 |
| Net interest margin | 3.4263% | 3,018 |
| Noninterest income to average assets | 1.5054% | 464 |
| Noninterest expense to average assets | 3.4399% | 806 |
| Loan and lease loss provision to assets | 1.6067% | 73 |
| Net operating income to assets | -0.2219% | 4,866 |
| Return on assets (ROA) | -0.2219% | 4,864 |
| Pretax return on assets | -0.3797% | 4,879 |
| Return on Equity (ROE) | -2.4885% | 4,882 |
| Retained earnings to average equity (ytd only) | -4.2865% | 4,744 |
| Net charge-offs to loans | 0.0200% | 2,326 |
| Credit loss provision to net charge-offs | 10,891.3043% | 110 |
| Earnings coverage of net charge-offs (x) | 83.1739% | 785 |
| Efficiency ratio | 73.7081% | 1,495 |
| Assets per employee ($millions) | 4.4105% | 3,896 |
| Cash dividends to net income (ytd only)* | -72.2543% | 5,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 568 |
| Loan loss allowance to noncurrent loans | 75.3306% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 402 |
| Noncurrent loans to loans | 2.4767% | 476 |
| Net loans and leases to total assets | 75.7750% | 1,168 |
| Net loans and leases to deposits | 88.4916% | 1,505 |
| Net loans and leases to core deposits | 92.5468% | 1,858 |
| Total domestic deposits to total assets | 85.6297% | 2,150 |
| Equity capital to assets | 8.2879% | 4,595 |
| Core capital (leverage) ratio | 8.0871% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,815,667 | 2,189 |
| Average earning assets | $287,715,000 | 2,204 |
| Average equity | $27,808,333 | 2,594 |
| Average total loans | $230,313,333 | 2,012 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 2,099 |
| Cost of funding earning assets | 1.1037% | 1,034 |
| Net interest margin | 3.4655% | 3,097 |
| Noninterest income to average assets | 1.1660% | 643 |
| Noninterest expense to average assets | 3.4953% | 944 |
| Loan and lease loss provision to assets | 0.1299% | 2,095 |
| Net operating income to assets | 0.5803% | 3,660 |
| Return on assets (ROA) | 0.5803% | 3,719 |
| Pretax return on assets | 0.7264% | 3,607 |
| Return on Equity (ROE) | 6.2499% | 3,220 |
| Retained earnings to average equity (ytd only) | 2.6078% | 3,218 |
| Net charge-offs to loans | 0.0169% | 2,033 |
| Credit loss provision to net charge-offs | 1,066.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 726 |
| Efficiency ratio | 80.3233% | 1,108 |
| Assets per employee ($millions) | 3.8008% | 4,168 |
| Cash dividends to net income (ytd only)* | 58.2751% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,679 |
| Loan loss allowance to noncurrent loans | 164.0615% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,412 |
| Noncurrent loans to loans | 0.7312% | 2,169 |
| Net loans and leases to total assets | 71.1439% | 2,063 |
| Net loans and leases to deposits | 82.2820% | 2,418 |
| Net loans and leases to core deposits | 86.9592% | 2,600 |
| Total domestic deposits to total assets | 86.4634% | 1,801 |
| Equity capital to assets | 9.2268% | 4,447 |
| Core capital (leverage) ratio | 9.3506% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,713,000 | 2,235 |
| Average earning assets | $271,821,000 | 2,250 |
| Average equity | $27,456,500 | 2,608 |
| Average total loans | $212,651,000 | 2,106 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 1,902 |
| Cost of funding earning assets | 1.1020% | 1,318 |
| Net interest margin | 3.7460% | 2,670 |
| Noninterest income to average assets | 1.1458% | 713 |
| Noninterest expense to average assets | 3.5888% | 861 |
| Loan and lease loss provision to assets | 0.5785% | 209 |
| Net operating income to assets | 0.3467% | 4,685 |
| Return on assets (ROA) | 0.3506% | 4,709 |
| Pretax return on assets | 0.4091% | 4,697 |
| Return on Equity (ROE) | 3.6549% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.0218% | 4,686 |
| Net charge-offs to loans | 0.9422% | 170 |
| Credit loss provision to net charge-offs | 82.5871% | 2,760 |
| Earnings coverage of net charge-offs (x) | 1.4035% | 3,546 |
| Efficiency ratio | 78.4968% | 1,096 |
| Assets per employee ($millions) | 3.9328% | 3,994 |
| Cash dividends to net income (ytd only)* | 99.4036% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,598 |
| Loan loss allowance to noncurrent loans | 172.0445% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 2,460 |
| Noncurrent loans to loans | 0.6789% | 2,187 |
| Net loans and leases to total assets | 70.9756% | 2,252 |
| Net loans and leases to deposits | 82.7939% | 2,471 |
| Net loans and leases to core deposits | 88.6104% | 2,551 |
| Total domestic deposits to total assets | 85.7256% | 2,177 |
| Equity capital to assets | 9.3432% | 4,463 |
| Core capital (leverage) ratio | 9.2780% | 4,298 |
| Tier 1 risk-based capital ratio | 11.5205% | 4,618 |
| Total risk-based capital ratio | 12.5640% | 4,614 |
| Memoranda: | ||
| Average total assets | $286,948,800 | 2,242 |
| Average earning assets | $262,440,200 | 2,260 |
| Average equity | $27,524,800 | 2,530 |
| Average total loans | $213,334,600 | 2,067 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 1,895 |
| Cost of funding earning assets | 1.0789% | 1,434 |
| Net interest margin | 3.7955% | 2,616 |
| Noninterest income to average assets | 1.1347% | 707 |
| Noninterest expense to average assets | 3.5716% | 879 |
| Loan and lease loss provision to assets | 0.1263% | 1,536 |
| Net operating income to assets | 0.7050% | 3,995 |
| Return on assets (ROA) | 0.7098% | 4,053 |
| Pretax return on assets | 0.9078% | 3,851 |
| Return on Equity (ROE) | 7.3506% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.7165% | 3,540 |
| Net charge-offs to loans | 0.0986% | 1,488 |
| Credit loss provision to net charge-offs | 170.8861% | 1,487 |
| Earnings coverage of net charge-offs (x) | 13.9052% | 2,266 |
| Efficiency ratio | 77.6501% | 1,136 |
| Assets per employee ($millions) | 3.7614% | 4,206 |
| Cash dividends to net income (ytd only)* | 49.4398% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,744 |
| Loan loss allowance to noncurrent loans | 61.0603% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8488% | 525 |
| Noncurrent loans to loans | 2.2185% | 569 |
| Net loans and leases to total assets | 74.8181% | 1,679 |
| Net loans and leases to deposits | 87.5460% | 1,993 |
| Net loans and leases to core deposits | 93.1456% | 2,250 |
| Total domestic deposits to total assets | 85.4615% | 2,230 |
| Equity capital to assets | 9.8986% | 4,119 |
| Core capital (leverage) ratio | 9.7088% | 3,960 |
| Tier 1 risk-based capital ratio | 11.5080% | 4,663 |
| Total risk-based capital ratio | 12.7120% | 4,588 |
| Memoranda: | ||
| Average total assets | $284,945,500 | 2,264 |
| Average earning assets | $260,124,250 | 2,286 |
| Average equity | $27,516,250 | 2,537 |
| Average total loans | $213,712,000 | 2,083 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,209 |
| Cost of funding earning assets | 1.0350% | 1,553 |
| Net interest margin | 3.7198% | 2,871 |
| Noninterest income to average assets | 1.0912% | 714 |
| Noninterest expense to average assets | 3.5772% | 870 |
| Loan and lease loss provision to assets | 0.1265% | 1,472 |
| Net operating income to assets | 0.6217% | 4,245 |
| Return on assets (ROA) | 0.6289% | 4,268 |
| Pretax return on assets | 0.7933% | 4,109 |
| Return on Equity (ROE) | 6.5674% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.8984% | 3,767 |
| Net charge-offs to loans | 0.0818% | 1,538 |
| Credit loss provision to net charge-offs | 206.8966% | 1,173 |
| Earnings coverage of net charge-offs (x) | 14.8966% | 2,011 |
| Efficiency ratio | 79.7088% | 990 |
| Assets per employee ($millions) | 3.7418% | 4,193 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,839 |
| Loan loss allowance to noncurrent loans | 52.4537% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.0457% | 446 |
| Noncurrent loans to loans | 2.5599% | 453 |
| Net loans and leases to total assets | 72.5289% | 2,145 |
| Net loans and leases to deposits | 84.4109% | 2,446 |
| Net loans and leases to core deposits | 89.0098% | 2,696 |
| Total domestic deposits to total assets | 85.9236% | 2,074 |
| Equity capital to assets | 9.4252% | 4,479 |
| Core capital (leverage) ratio | 9.5761% | 4,072 |
| Tier 1 risk-based capital ratio | 11.1918% | 4,838 |
| Total risk-based capital ratio | 12.3707% | 4,764 |
| Memoranda: | ||
| Average total assets | $284,638,000 | 2,264 |
| Average earning assets | $259,906,670 | 2,297 |
| Average equity | $27,256,000 | 2,549 |
| Average total loans | $212,676,670 | 2,096 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 2,207 |
| Cost of funding earning assets | 0.9889% | 1,611 |
| Net interest margin | 3.7164% | 2,830 |
| Noninterest income to average assets | 0.9543% | 911 |
| Noninterest expense to average assets | 3.6252% | 820 |
| Loan and lease loss provision to assets | 0.1290% | 1,354 |
| Net operating income to assets | 0.4872% | 4,554 |
| Return on assets (ROA) | 0.4872% | 4,575 |
| Pretax return on assets | 0.5818% | 4,549 |
| Return on Equity (ROE) | 5.0457% | 4,312 |
| Retained earnings to average equity (ytd only) | 1.3356% | 4,247 |
| Net charge-offs to loans | -0.0095% | 4,211 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6087% | 740 |
| Assets per employee ($millions) | 3.4000% | 4,658 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,729 |
| Loan loss allowance to noncurrent loans | 52.3110% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.1495% | 418 |
| Noncurrent loans to loans | 2.6494% | 473 |
| Net loans and leases to total assets | 73.6249% | 1,878 |
| Net loans and leases to deposits | 85.7431% | 2,161 |
| Net loans and leases to core deposits | 90.2501% | 2,475 |
| Total domestic deposits to total assets | 85.8669% | 2,336 |
| Equity capital to assets | 9.6240% | 4,154 |
| Core capital (leverage) ratio | 9.8514% | 3,765 |
| Tier 1 risk-based capital ratio | 11.3367% | 4,815 |
| Total risk-based capital ratio | 12.5465% | 4,751 |
| Memoranda: | ||
| Average total assets | $279,156,000 | 2,320 |
| Average earning assets | $254,007,000 | 2,355 |
| Average equity | $26,953,500 | 2,574 |
| Average total loans | $210,357,500 | 2,131 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,457 |
| Cost of funding earning assets | 0.8126% | 1,463 |
| Net interest margin | 3.6883% | 3,081 |
| Noninterest income to average assets | 0.9974% | 945 |
| Noninterest expense to average assets | 3.4839% | 1,009 |
| Loan and lease loss provision to assets | 0.2665% | 631 |
| Net operating income to assets | 0.5355% | 4,582 |
| Return on assets (ROA) | 0.5263% | 4,598 |
| Pretax return on assets | 0.6105% | 4,614 |
| Return on Equity (ROE) | 5.4727% | 4,335 |
| Retained earnings to average equity (ytd only) | 1.7268% | 4,455 |
| Net charge-offs to loans | 0.0380% | 2,641 |
| Credit loss provision to net charge-offs | 936.7089% | 389 |
| Earnings coverage of net charge-offs (x) | 31.2025% | 1,553 |
| Efficiency ratio | 79.6902% | 985 |
| Assets per employee ($millions) | 3.2870% | 4,749 |
| Cash dividends to net income (ytd only)* | 68.4463% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 1,851 |
| Loan loss allowance to noncurrent loans | 63.0299% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 607 |
| Noncurrent loans to loans | 2.1340% | 616 |
| Net loans and leases to total assets | 75.0422% | 1,767 |
| Net loans and leases to deposits | 88.9056% | 1,939 |
| Net loans and leases to core deposits | 93.6281% | 2,260 |
| Total domestic deposits to total assets | 84.4066% | 2,869 |
| Equity capital to assets | 9.6874% | 3,969 |
| Core capital (leverage) ratio | 9.9119% | 3,685 |
| Tier 1 risk-based capital ratio | 11.4869% | 4,733 |
| Total risk-based capital ratio | 12.6769% | 4,667 |
| Memoranda: | ||
| Average total assets | $277,622,000 | 2,281 |
| Average earning assets | $253,992,200 | 2,311 |
| Average equity | $26,696,200 | 2,526 |
| Average total loans | $208,085,600 | 2,111 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 2,490 |
| Cost of funding earning assets | 0.7744% | 1,451 |
| Net interest margin | 3.6682% | 3,127 |
| Noninterest income to average assets | 1.1223% | 742 |
| Noninterest expense to average assets | 3.3874% | 1,137 |
| Loan and lease loss provision to assets | 0.0863% | 2,248 |
| Net operating income to assets | 0.8105% | 3,869 |
| Return on assets (ROA) | 0.7990% | 3,912 |
| Pretax return on assets | 0.9942% | 3,734 |
| Return on Equity (ROE) | 8.3246% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.5770% | 3,459 |
| Net charge-offs to loans | 0.0366% | 2,347 |
| Credit loss provision to net charge-offs | 315.7895% | 978 |
| Earnings coverage of net charge-offs (x) | 40.0516% | 1,356 |
| Efficiency ratio | 75.5724% | 1,403 |
| Assets per employee ($millions) | 3.3701% | 4,710 |
| Cash dividends to net income (ytd only)* | 45.0182% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,041 |
| Loan loss allowance to noncurrent loans | 52.0838% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 734 |
| Noncurrent loans to loans | 2.1631% | 660 |
| Net loans and leases to total assets | 73.5252% | 2,067 |
| Net loans and leases to deposits | 84.0795% | 2,591 |
| Net loans and leases to core deposits | 88.3397% | 2,814 |
| Total domestic deposits to total assets | 87.4473% | 1,518 |
| Equity capital to assets | 9.8550% | 3,776 |
| Core capital (leverage) ratio | 10.0641% | 3,568 |
| Tier 1 risk-based capital ratio | 11.8735% | 4,571 |
| Total risk-based capital ratio | 12.8528% | 4,620 |
| Memoranda: | ||
| Average total assets | $278,000,000 | 2,293 |
| Average earning assets | $254,652,000 | 2,319 |
| Average equity | $26,683,250 | 2,539 |
| Average total loans | $207,601,000 | 2,121 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 2,506 |
| Cost of funding earning assets | 0.7436% | 1,409 |
| Net interest margin | 3.6275% | 3,211 |
| Noninterest income to average assets | 1.0999% | 797 |
| Noninterest expense to average assets | 3.3410% | 1,229 |
| Loan and lease loss provision to assets | 0.0858% | 2,194 |
| Net operating income to assets | 0.8074% | 3,835 |
| Return on assets (ROA) | 0.7902% | 3,887 |
| Pretax return on assets | 0.9833% | 3,718 |
| Return on Equity (ROE) | 8.3050% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.5471% | 3,322 |
| Net charge-offs to loans | 0.0928% | 1,418 |
| Credit loss provision to net charge-offs | 123.7113% | 1,769 |
| Earnings coverage of net charge-offs (x) | 15.7216% | 2,025 |
| Efficiency ratio | 75.3913% | 1,506 |
| Assets per employee ($millions) | 3.4346% | 4,681 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,552 |
| Loan loss allowance to noncurrent loans | 50.3917% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.6402% | 768 |
| Noncurrent loans to loans | 2.0780% | 703 |
| Net loans and leases to total assets | 74.2876% | 1,901 |
| Net loans and leases to deposits | 85.9585% | 2,315 |
| Net loans and leases to core deposits | 89.9254% | 2,578 |
| Total domestic deposits to total assets | 86.4226% | 2,089 |
| Equity capital to assets | 9.6271% | 3,987 |
| Core capital (leverage) ratio | 9.8440% | 3,737 |
| Tier 1 risk-based capital ratio | 11.6356% | 4,726 |
| Total risk-based capital ratio | 12.5637% | 4,788 |
| Memoranda: | ||
| Average total assets | $279,674,330 | 2,291 |
| Average earning assets | $256,869,000 | 2,304 |
| Average equity | $26,610,330 | 2,556 |
| Average total loans | $209,136,670 | 2,109 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,616 |
| Cost of funding earning assets | 0.7241% | 1,321 |
| Net interest margin | 3.5523% | 3,335 |
| Noninterest income to average assets | 0.9472% | 1,030 |
| Noninterest expense to average assets | 3.2909% | 1,367 |
| Loan and lease loss provision to assets | 0.0856% | 2,090 |
| Net operating income to assets | 0.6819% | 4,164 |
| Return on assets (ROA) | 0.6819% | 4,170 |
| Pretax return on assets | 0.8316% | 4,079 |
| Return on Equity (ROE) | 7.2086% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.4384% | 3,831 |
| Net charge-offs to loans | 0.0803% | 1,328 |
| Credit loss provision to net charge-offs | 142.8571% | 1,262 |
| Earnings coverage of net charge-offs (x) | 15.3095% | 1,669 |
| Efficiency ratio | 78.2034% | 1,335 |
| Assets per employee ($millions) | 3.6252% | 4,509 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,667 |
| Loan loss allowance to noncurrent loans | 32.8120% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.4637% | 383 |
| Noncurrent loans to loans | 3.1987% | 358 |
| Net loans and leases to total assets | 73.6965% | 1,911 |
| Net loans and leases to deposits | 86.0221% | 2,164 |
| Net loans and leases to core deposits | 90.1140% | 2,444 |
| Total domestic deposits to total assets | 85.6716% | 2,683 |
| Equity capital to assets | 9.4494% | 4,137 |
| Core capital (leverage) ratio | 9.6185% | 3,943 |
| Tier 1 risk-based capital ratio | 11.6188% | 4,792 |
| Total risk-based capital ratio | 12.5572% | 4,864 |
| Memoranda: | ||
| Average total assets | $280,409,500 | 2,302 |
| Average earning assets | $257,414,000 | 2,310 |
| Average equity | $26,524,000 | 2,581 |
| Average total loans | $209,276,000 | 2,124 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,459 |
| Cost of funding earning assets | 0.6974% | 1,039 |
| Net interest margin | 3.5645% | 3,288 |
| Noninterest income to average assets | 1.3650% | 562 |
| Noninterest expense to average assets | 3.2587% | 1,463 |
| Loan and lease loss provision to assets | 0.0694% | 2,810 |
| Net operating income to assets | 0.9182% | 2,606 |
| Return on assets (ROA) | 0.9182% | 2,637 |
| Pretax return on assets | 1.3069% | 2,319 |
| Return on Equity (ROE) | 9.6572% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.8143% | 1,649 |
| Net charge-offs to loans | 0.6698% | 322 |
| Credit loss provision to net charge-offs | 13.9912% | 3,644 |
| Earnings coverage of net charge-offs (x) | 2.7739% | 3,704 |
| Efficiency ratio | 70.3058% | 2,502 |
| Assets per employee ($millions) | 3.7063% | 4,424 |
| Cash dividends to net income (ytd only)* | 39.7931% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,760 |
| Loan loss allowance to noncurrent loans | 32.2937% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.4620% | 387 |
| Noncurrent loans to loans | 3.1810% | 338 |
| Net loans and leases to total assets | 74.0167% | 1,923 |
| Net loans and leases to deposits | 88.6106% | 1,943 |
| Net loans and leases to core deposits | 93.0103% | 2,286 |
| Total domestic deposits to total assets | 83.5303% | 3,376 |
| Equity capital to assets | 9.4685% | 4,254 |
| Core capital (leverage) ratio | 9.5635% | 3,956 |
| Tier 1 risk-based capital ratio | 11.3424% | 4,954 |
| Total risk-based capital ratio | 12.2590% | 5,022 |
| Memoranda: | ||
| Average total assets | $273,696,000 | 2,326 |
| Average earning assets | $251,087,800 | 2,342 |
| Average equity | $26,022,000 | 2,605 |
| Average total loans | $202,741,000 | 2,134 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 2,477 |
| Cost of funding earning assets | 0.6832% | 1,056 |
| Net interest margin | 3.5564% | 3,300 |
| Noninterest income to average assets | 1.3534% | 572 |
| Noninterest expense to average assets | 3.2810% | 1,394 |
| Loan and lease loss provision to assets | 0.0501% | 3,094 |
| Net operating income to assets | 0.9098% | 2,980 |
| Return on assets (ROA) | 0.9098% | 3,037 |
| Pretax return on assets | 1.2896% | 2,543 |
| Return on Equity (ROE) | 9.5590% | 2,318 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,435 |
| Net charge-offs to loans | 0.1355% | 1,437 |
| Credit loss provision to net charge-offs | 50.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 13.3825% | 2,349 |
| Efficiency ratio | 71.0068% | 2,365 |
| Assets per employee ($millions) | 3.6765% | 4,483 |
| Cash dividends to net income (ytd only)* | 40.4532% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,227 |
| Loan loss allowance to noncurrent loans | 41.2411% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.9780% | 301 |
| Noncurrent loans to loans | 3.8923% | 261 |
| Net loans and leases to total assets | 72.7734% | 2,130 |
| Net loans and leases to deposits | 85.7715% | 2,326 |
| Net loans and leases to core deposits | 90.4534% | 2,568 |
| Total domestic deposits to total assets | 84.8457% | 2,779 |
| Equity capital to assets | 9.7713% | 4,175 |
| Core capital (leverage) ratio | 9.6964% | 3,941 |
| Tier 1 risk-based capital ratio | 11.8597% | 4,723 |
| Total risk-based capital ratio | 13.1124% | 4,596 |
| Memoranda: | ||
| Average total assets | $271,699,750 | 2,352 |
| Average earning assets | $249,607,500 | 2,375 |
| Average equity | $25,859,750 | 2,636 |
| Average total loans | $200,762,500 | 2,155 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,473 |
| Cost of funding earning assets | 0.6836% | 970 |
| Net interest margin | 3.5165% | 3,336 |
| Noninterest income to average assets | 1.3352% | 596 |
| Noninterest expense to average assets | 3.2926% | 1,386 |
| Loan and lease loss provision to assets | 0.0567% | 2,840 |
| Net operating income to assets | 0.8675% | 3,084 |
| Return on assets (ROA) | 0.8675% | 3,139 |
| Pretax return on assets | 1.2210% | 2,693 |
| Return on Equity (ROE) | 9.1965% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.2931% | 2,525 |
| Net charge-offs to loans | 0.0369% | 2,459 |
| Credit loss provision to net charge-offs | 208.1081% | 1,234 |
| Earnings coverage of net charge-offs (x) | 46.8919% | 1,130 |
| Efficiency ratio | 72.0432% | 2,335 |
| Assets per employee ($millions) | 3.7028% | 4,430 |
| Cash dividends to net income (ytd only)* | 42.4448% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 1,105 |
| Loan loss allowance to noncurrent loans | 50.8828% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.5196% | 427 |
| Noncurrent loans to loans | 3.2888% | 367 |
| Net loans and leases to total assets | 72.3080% | 2,149 |
| Net loans and leases to deposits | 82.9287% | 2,606 |
| Net loans and leases to core deposits | 87.8017% | 2,718 |
| Total domestic deposits to total assets | 87.1930% | 1,857 |
| Equity capital to assets | 9.5863% | 4,328 |
| Core capital (leverage) ratio | 9.4229% | 4,209 |
| Tier 1 risk-based capital ratio | 11.7843% | 4,769 |
| Total risk-based capital ratio | 13.0376% | 4,657 |
| Memoranda: | ||
| Average total assets | $271,579,330 | 2,362 |
| Average earning assets | $249,848,330 | 2,378 |
| Average equity | $25,618,330 | 2,659 |
| Average total loans | $200,610,670 | 2,162 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 2,395 |
| Cost of funding earning assets | 0.6803% | 926 |
| Net interest margin | 3.4865% | 3,324 |
| Noninterest income to average assets | 1.1821% | 729 |
| Noninterest expense to average assets | 3.2504% | 1,478 |
| Loan and lease loss provision to assets | 0.0755% | 2,299 |
| Net operating income to assets | 0.7767% | 3,328 |
| Return on assets (ROA) | 0.7767% | 3,388 |
| Pretax return on assets | 1.0711% | 3,087 |
| Return on Equity (ROE) | 8.3024% | 2,764 |
| Retained earnings to average equity (ytd only) | 4.3489% | 3,247 |
| Net charge-offs to loans | 0.0080% | 2,695 |
| Credit loss provision to net charge-offs | 1,275.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 193.7500% | 291 |
| Efficiency ratio | 73.9233% | 2,246 |
| Assets per employee ($millions) | 3.7053% | 4,497 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 1,110 |
| Loan loss allowance to noncurrent loans | 63.4792% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.0435% | 642 |
| Noncurrent loans to loans | 2.7044% | 558 |
| Net loans and leases to total assets | 70.5532% | 2,285 |
| Net loans and leases to deposits | 80.6397% | 2,663 |
| Net loans and leases to core deposits | 85.5492% | 2,764 |
| Total domestic deposits to total assets | 87.4918% | 1,992 |
| Equity capital to assets | 9.2998% | 4,514 |
| Core capital (leverage) ratio | 9.3861% | 4,246 |
| Tier 1 risk-based capital ratio | 11.8606% | 4,804 |
| Total risk-based capital ratio | 13.1144% | 4,710 |
| Memoranda: | ||
| Average total assets | $270,365,500 | 2,394 |
| Average earning assets | $249,306,000 | 2,400 |
| Average equity | $25,294,000 | 2,691 |
| Average total loans | $200,165,500 | 2,184 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,025 |
| Cost of funding earning assets | 0.6497% | 1,058 |
| Net interest margin | 3.6872% | 2,752 |
| Noninterest income to average assets | 1.3240% | 651 |
| Noninterest expense to average assets | 3.2801% | 1,618 |
| Loan and lease loss provision to assets | 0.1535% | 1,632 |
| Net operating income to assets | 0.9029% | 2,802 |
| Return on assets (ROA) | 0.8896% | 2,997 |
| Pretax return on assets | 1.2607% | 2,433 |
| Return on Equity (ROE) | 9.2799% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.2765% | 2,145 |
| Net charge-offs to loans | 0.3954% | 671 |
| Credit loss provision to net charge-offs | 51.1509% | 3,362 |
| Earnings coverage of net charge-offs (x) | 4.7749% | 3,448 |
| Efficiency ratio | 69.5953% | 2,981 |
| Assets per employee ($millions) | 3.7541% | 4,392 |
| Cash dividends to net income (ytd only)* | 43.1406% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 1,287 |
| Loan loss allowance to noncurrent loans | 64.5236% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.0267% | 673 |
| Noncurrent loans to loans | 2.5376% | 617 |
| Net loans and leases to total assets | 75.0992% | 1,673 |
| Net loans and leases to deposits | 86.1670% | 2,146 |
| Net loans and leases to core deposits | 91.3944% | 2,356 |
| Total domestic deposits to total assets | 87.1555% | 2,056 |
| Equity capital to assets | 9.4128% | 4,359 |
| Core capital (leverage) ratio | 9.4225% | 4,196 |
| Tier 1 risk-based capital ratio | 11.4039% | 5,110 |
| Total risk-based capital ratio | 12.6569% | 5,015 |
| Memoranda: | ||
| Average total assets | $260,574,000 | 2,438 |
| Average earning assets | $239,503,800 | 2,442 |
| Average equity | $24,978,600 | 2,726 |
| Average total loans | $197,794,800 | 2,133 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 2,065 |
| Cost of funding earning assets | 0.6325% | 1,124 |
| Net interest margin | 3.7010% | 2,714 |
| Noninterest income to average assets | 1.3035% | 681 |
| Noninterest expense to average assets | 3.2740% | 1,623 |
| Loan and lease loss provision to assets | 0.1544% | 1,507 |
| Net operating income to assets | 0.8981% | 2,915 |
| Return on assets (ROA) | 0.9140% | 2,967 |
| Pretax return on assets | 1.3005% | 2,430 |
| Return on Equity (ROE) | 9.4904% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.4826% | 2,492 |
| Net charge-offs to loans | 0.0523% | 2,621 |
| Credit loss provision to net charge-offs | 389.6104% | 855 |
| Earnings coverage of net charge-offs (x) | 36.1443% | 1,316 |
| Efficiency ratio | 69.5681% | 2,958 |
| Assets per employee ($millions) | 3.6786% | 4,516 |
| Cash dividends to net income (ytd only)* | 42.2300% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 803 |
| Loan loss allowance to noncurrent loans | 70.1908% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.2095% | 661 |
| Noncurrent loans to loans | 2.7574% | 591 |
| Net loans and leases to total assets | 75.3158% | 1,651 |
| Net loans and leases to deposits | 87.1906% | 2,120 |
| Net loans and leases to core deposits | 92.7706% | 2,307 |
| Total domestic deposits to total assets | 86.3806% | 2,179 |
| Equity capital to assets | 9.6452% | 4,519 |
| Core capital (leverage) ratio | 9.4890% | 4,196 |
| Tier 1 risk-based capital ratio | 11.2870% | 5,207 |
| Total risk-based capital ratio | 12.5435% | 5,108 |
| Memoranda: | ||
| Average total assets | $259,082,000 | 2,453 |
| Average earning assets | $238,202,250 | 2,449 |
| Average equity | $24,951,000 | 2,745 |
| Average total loans | $196,367,750 | 2,151 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,028 |
| Cost of funding earning assets | 0.6058% | 1,272 |
| Net interest margin | 3.7311% | 2,578 |
| Noninterest income to average assets | 1.2669% | 711 |
| Noninterest expense to average assets | 3.2999% | 1,594 |
| Loan and lease loss provision to assets | 0.1555% | 1,466 |
| Net operating income to assets | 0.8757% | 2,985 |
| Return on assets (ROA) | 0.8991% | 3,001 |
| Pretax return on assets | 1.2794% | 2,487 |
| Return on Equity (ROE) | 9.3404% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.3004% | 2,545 |
| Net charge-offs to loans | 0.0082% | 3,414 |
| Credit loss provision to net charge-offs | 2,500.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 225.2500% | 291 |
| Efficiency ratio | 70.1902% | 2,945 |
| Assets per employee ($millions) | 3.8384% | 4,195 |
| Cash dividends to net income (ytd only)* | 43.2526% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 835 |
| Loan loss allowance to noncurrent loans | 62.3663% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 571 |
| Noncurrent loans to loans | 3.1141% | 463 |
| Net loans and leases to total assets | 74.4598% | 1,735 |
| Net loans and leases to deposits | 87.5687% | 2,057 |
| Net loans and leases to core deposits | 93.5158% | 2,210 |
| Total domestic deposits to total assets | 85.0302% | 2,868 |
| Equity capital to assets | 9.5294% | 4,739 |
| Core capital (leverage) ratio | 9.3229% | 4,428 |
| Tier 1 risk-based capital ratio | 11.3879% | 5,226 |
| Total risk-based capital ratio | 12.6451% | 5,113 |
| Memoranda: | ||
| Average total assets | $257,156,670 | 2,474 |
| Average earning assets | $236,714,000 | 2,482 |
| Average equity | $24,752,670 | 2,768 |
| Average total loans | $194,018,000 | 2,175 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,019 |
| Cost of funding earning assets | 0.5852% | 1,446 |
| Net interest margin | 3.7472% | 2,492 |
| Noninterest income to average assets | 0.9901% | 1,098 |
| Noninterest expense to average assets | 3.3082% | 1,579 |
| Loan and lease loss provision to assets | 0.1579% | 1,324 |
| Net operating income to assets | 0.7111% | 3,660 |
| Return on assets (ROA) | 0.7327% | 3,677 |
| Pretax return on assets | 1.0122% | 3,434 |
| Return on Equity (ROE) | 7.5726% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.4925% | 3,750 |
| Net charge-offs to loans | 0.0021% | 3,049 |
| Credit loss provision to net charge-offs | 10,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 64 |
| Efficiency ratio | 74.3699% | 2,416 |
| Assets per employee ($millions) | 3.5680% | 4,706 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 853 |
| Loan loss allowance to noncurrent loans | 61.8793% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.4990% | 593 |
| Noncurrent loans to loans | 3.1882% | 475 |
| Net loans and leases to total assets | 73.7504% | 1,765 |
| Net loans and leases to deposits | 85.2700% | 2,161 |
| Net loans and leases to core deposits | 91.4424% | 2,238 |
| Total domestic deposits to total assets | 86.4904% | 2,448 |
| Equity capital to assets | 9.5979% | 4,569 |
| Core capital (leverage) ratio | 9.6248% | 4,006 |
| Tier 1 risk-based capital ratio | 11.8594% | 5,003 |
| Total risk-based capital ratio | 13.1171% | 4,907 |
| Memoranda: | ||
| Average total assets | $253,308,500 | 2,516 |
| Average earning assets | $233,777,000 | 2,515 |
| Average equity | $24,509,500 | 2,788 |
| Average total loans | $190,469,500 | 2,205 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,192 |
| Cost of funding earning assets | 0.6002% | 1,355 |
| Net interest margin | 3.7109% | 2,709 |
| Noninterest income to average assets | 1.2602% | 755 |
| Noninterest expense to average assets | 3.3188% | 1,681 |
| Loan and lease loss provision to assets | 0.2793% | 652 |
| Net operating income to assets | 0.7795% | 3,423 |
| Return on assets (ROA) | 0.7921% | 3,448 |
| Pretax return on assets | 1.1065% | 3,020 |
| Return on Equity (ROE) | 8.3024% | 2,796 |
| Retained earnings to average equity (ytd only) | 4.1198% | 3,069 |
| Net charge-offs to loans | 0.2498% | 1,202 |
| Credit loss provision to net charge-offs | 154.8673% | 1,722 |
| Earnings coverage of net charge-offs (x) | 7.5863% | 3,060 |
| Efficiency ratio | 70.8071% | 3,094 |
| Assets per employee ($millions) | 3.6191% | 4,610 |
| Cash dividends to net income (ytd only)* | 50.3778% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 832 |
| Loan loss allowance to noncurrent loans | 77.8127% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.0791% | 833 |
| Noncurrent loans to loans | 2.5434% | 713 |
| Net loans and leases to total assets | 73.6623% | 1,781 |
| Net loans and leases to deposits | 84.8242% | 2,265 |
| Net loans and leases to core deposits | 91.3283% | 2,291 |
| Total domestic deposits to total assets | 86.8412% | 2,219 |
| Equity capital to assets | 9.7558% | 4,235 |
| Core capital (leverage) ratio | 9.5816% | 4,072 |
| Tier 1 risk-based capital ratio | 11.9088% | 5,013 |
| Total risk-based capital ratio | 13.1661% | 4,909 |
| Memoranda: | ||
| Average total assets | $250,602,200 | 2,501 |
| Average earning assets | $231,428,000 | 2,502 |
| Average equity | $23,908,800 | 2,794 |
| Average total loans | $180,945,200 | 2,233 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,187 |
| Cost of funding earning assets | 0.6044% | 1,381 |
| Net interest margin | 3.7079% | 2,734 |
| Noninterest income to average assets | 1.2869% | 723 |
| Noninterest expense to average assets | 3.3042% | 1,679 |
| Loan and lease loss provision to assets | 0.2791% | 562 |
| Net operating income to assets | 0.8041% | 3,411 |
| Return on assets (ROA) | 0.8207% | 3,418 |
| Pretax return on assets | 1.1514% | 3,010 |
| Return on Equity (ROE) | 8.6513% | 2,757 |
| Retained earnings to average equity (ytd only) | 4.4489% | 3,298 |
| Net charge-offs to loans | 0.0840% | 2,346 |
| Credit loss provision to net charge-offs | 464.6018% | 688 |
| Earnings coverage of net charge-offs (x) | 23.4253% | 1,734 |
| Efficiency ratio | 70.1343% | 3,187 |
| Assets per employee ($millions) | 3.5462% | 4,706 |
| Cash dividends to net income (ytd only)* | 48.5753% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 739 |
| Loan loss allowance to noncurrent loans | 128.6235% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 1,555 |
| Noncurrent loans to loans | 1.6515% | 1,489 |
| Net loans and leases to total assets | 73.0278% | 1,903 |
| Net loans and leases to deposits | 84.5516% | 2,336 |
| Net loans and leases to core deposits | 90.8914% | 2,368 |
| Total domestic deposits to total assets | 86.3706% | 2,352 |
| Equity capital to assets | 9.8600% | 4,330 |
| Core capital (leverage) ratio | 9.4344% | 4,386 |
| Tier 1 risk-based capital ratio | 12.1478% | 4,996 |
| Total risk-based capital ratio | 13.4069% | 4,897 |
| Memoranda: | ||
| Average total assets | $250,823,250 | 2,520 |
| Average earning assets | $231,643,250 | 2,513 |
| Average equity | $23,795,500 | 2,825 |
| Average total loans | $179,266,000 | 2,254 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,459 |
| Cost of funding earning assets | 0.6021% | 1,398 |
| Net interest margin | 3.6219% | 3,009 |
| Noninterest income to average assets | 1.2133% | 826 |
| Noninterest expense to average assets | 3.2744% | 1,776 |
| Loan and lease loss provision to assets | 0.2768% | 591 |
| Net operating income to assets | 0.7339% | 3,718 |
| Return on assets (ROA) | 0.7443% | 3,767 |
| Pretax return on assets | 1.0211% | 3,492 |
| Return on Equity (ROE) | 7.9458% | 3,088 |
| Retained earnings to average equity (ytd only) | 3.7238% | 3,654 |
| Net charge-offs to loans | 0.0427% | 2,846 |
| Credit loss provision to net charge-offs | 921.0526% | 389 |
| Earnings coverage of net charge-offs (x) | 42.7105% | 1,079 |
| Efficiency ratio | 71.8376% | 3,021 |
| Assets per employee ($millions) | 3.7005% | 4,428 |
| Cash dividends to net income (ytd only)* | 53.1350% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 1,009 |
| Loan loss allowance to noncurrent loans | 126.7360% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6816% | 1,417 |
| Noncurrent loans to loans | 1.5667% | 1,684 |
| Net loans and leases to total assets | 71.9966% | 1,977 |
| Net loans and leases to deposits | 86.7423% | 1,974 |
| Net loans and leases to core deposits | 92.6522% | 2,096 |
| Total domestic deposits to total assets | 83.0006% | 3,959 |
| Equity capital to assets | 9.1764% | 5,046 |
| Core capital (leverage) ratio | 9.1915% | 4,710 |
| Tier 1 risk-based capital ratio | 11.1318% | 5,650 |
| Total risk-based capital ratio | 12.3887% | 5,570 |
| Memoranda: | ||
| Average total assets | $252,869,330 | 2,527 |
| Average earning assets | $233,524,670 | 2,511 |
| Average equity | $23,685,330 | 2,841 |
| Average total loans | $178,166,000 | 2,273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,511 |
| Cost of funding earning assets | 0.6129% | 1,347 |
| Net interest margin | 3.5744% | 3,104 |
| Noninterest income to average assets | 1.0889% | 955 |
| Noninterest expense to average assets | 3.2684% | 1,797 |
| Loan and lease loss provision to assets | 0.2802% | 539 |
| Net operating income to assets | 0.6209% | 4,191 |
| Return on assets (ROA) | 0.6389% | 4,213 |
| Pretax return on assets | 0.8519% | 4,051 |
| Return on Equity (ROE) | 6.7504% | 3,632 |
| Retained earnings to average equity (ytd only) | 2.5208% | 4,426 |
| Net charge-offs to loans | 0.0093% | 3,023 |
| Credit loss provision to net charge-offs | 4,375.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 318 |
| Efficiency ratio | 74.6798% | 2,706 |
| Assets per employee ($millions) | 3.5278% | 4,847 |
| Cash dividends to net income (ytd only)* | 62.6566% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1580% | 846 |
| Loan loss allowance to noncurrent loans | 119.3241% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 1,320 |
| Noncurrent loans to loans | 1.8085% | 1,500 |
| Net loans and leases to total assets | 65.8339% | 2,808 |
| Net loans and leases to deposits | 75.5733% | 3,106 |
| Net loans and leases to core deposits | 80.7303% | 3,079 |
| Total domestic deposits to total assets | 87.1125% | 2,312 |
| Equity capital to assets | 9.4851% | 4,766 |
| Core capital (leverage) ratio | 9.1935% | 4,726 |
| Tier 1 risk-based capital ratio | 12.3272% | 5,027 |
| Total risk-based capital ratio | 13.5857% | 4,934 |
| Memoranda: | ||
| Average total assets | $249,787,500 | 2,563 |
| Average earning assets | $229,746,000 | 2,557 |
| Average equity | $23,643,000 | 2,865 |
| Average total loans | $172,112,500 | 2,348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,923 |
| Cost of funding earning assets | 0.5934% | 1,821 |
| Net interest margin | 3.8940% | 2,266 |
| Noninterest income to average assets | 1.1047% | 999 |
| Noninterest expense to average assets | 3.4638% | 1,565 |
| Loan and lease loss provision to assets | 0.4148% | 422 |
| Net operating income to assets | 0.5895% | 4,429 |
| Return on assets (ROA) | 0.5920% | 4,492 |
| Pretax return on assets | 0.7848% | 4,311 |
| Return on Equity (ROE) | 6.1280% | 4,085 |
| Retained earnings to average equity (ytd only) | 1.8337% | 4,885 |
| Net charge-offs to loans | 0.9877% | 305 |
| Credit loss provision to net charge-offs | 58.8235% | 3,310 |
| Earnings coverage of net charge-offs (x) | 1.6965% | 4,354 |
| Efficiency ratio | 74.3279% | 2,782 |
| Assets per employee ($millions) | 3.2776% | 5,298 |
| Cash dividends to net income (ytd only)* | 70.0771% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 1,157 |
| Loan loss allowance to noncurrent loans | 97.0053% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 1,290 |
| Noncurrent loans to loans | 2.0337% | 1,358 |
| Net loans and leases to total assets | 69.1388% | 2,377 |
| Net loans and leases to deposits | 79.7237% | 2,751 |
| Net loans and leases to core deposits | 85.7412% | 2,714 |
| Total domestic deposits to total assets | 86.7229% | 2,439 |
| Equity capital to assets | 9.4452% | 4,784 |
| Core capital (leverage) ratio | 9.2491% | 4,606 |
| Tier 1 risk-based capital ratio | 12.4618% | 5,054 |
| Total risk-based capital ratio | 13.7200% | 4,972 |
| Memoranda: | ||
| Average total assets | $241,066,000 | 2,607 |
| Average earning assets | $220,105,200 | 2,624 |
| Average equity | $23,286,600 | 2,817 |
| Average total loans | $172,111,000 | 2,304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,735 |
| Cost of funding earning assets | 0.5786% | 2,029 |
| Net interest margin | 3.9603% | 1,995 |
| Noninterest income to average assets | 1.1155% | 980 |
| Noninterest expense to average assets | 3.5243% | 1,423 |
| Loan and lease loss provision to assets | 0.4183% | 396 |
| Net operating income to assets | 0.5951% | 4,462 |
| Return on assets (ROA) | 0.5984% | 4,539 |
| Pretax return on assets | 0.7886% | 4,400 |
| Return on Equity (ROE) | 6.1595% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.1595% | 2,303 |
| Net charge-offs to loans | 0.8979% | 361 |
| Credit loss provision to net charge-offs | 65.0477% | 2,854 |
| Earnings coverage of net charge-offs (x) | 1.8699% | 4,057 |
| Efficiency ratio | 74.5605% | 2,726 |
| Assets per employee ($millions) | 3.2659% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 1,063 |
| Loan loss allowance to noncurrent loans | 86.2480% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3916% | 1,130 |
| Noncurrent loans to loans | 2.4546% | 1,205 |
| Net loans and leases to total assets | 71.9895% | 1,853 |
| Net loans and leases to deposits | 84.1123% | 2,133 |
| Net loans and leases to core deposits | 90.1844% | 2,206 |
| Total domestic deposits to total assets | 85.5874% | 3,079 |
| Equity capital to assets | 9.9405% | 4,242 |
| Core capital (leverage) ratio | 9.6095% | 4,224 |
| Tier 1 risk-based capital ratio | 12.9485% | 4,895 |
| Total risk-based capital ratio | 14.2084% | 4,806 |
| Memoranda: | ||
| Average total assets | $239,057,750 | 2,638 |
| Average earning assets | $217,991,750 | 2,654 |
| Average equity | $23,226,250 | 2,833 |
| Average total loans | $171,216,250 | 2,328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 1,728 |
| Cost of funding earning assets | 0.5686% | 2,177 |
| Net interest margin | 3.9645% | 1,917 |
| Noninterest income to average assets | 1.0253% | 1,133 |
| Noninterest expense to average assets | 3.5401% | 1,404 |
| Loan and lease loss provision to assets | 0.4198% | 395 |
| Net operating income to assets | 0.5321% | 4,684 |
| Return on assets (ROA) | 0.5374% | 4,759 |
| Pretax return on assets | 0.6785% | 4,712 |
| Return on Equity (ROE) | 5.5748% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.5748% | 2,600 |
| Net charge-offs to loans | 1.3523% | 218 |
| Credit loss provision to net charge-offs | 43.7445% | 2,881 |
| Earnings coverage of net charge-offs (x) | 1.1374% | 3,882 |
| Efficiency ratio | 76.4322% | 2,548 |
| Assets per employee ($millions) | 3.1399% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 1,287 |
| Loan loss allowance to noncurrent loans | 82.0256% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 1,124 |
| Noncurrent loans to loans | 2.4928% | 1,248 |
| Net loans and leases to total assets | 69.8066% | 2,121 |
| Net loans and leases to deposits | 82.8380% | 2,160 |
| Net loans and leases to core deposits | 86.7390% | 2,442 |
| Total domestic deposits to total assets | 84.2688% | 3,826 |
| Equity capital to assets | 9.7715% | 4,403 |
| Core capital (leverage) ratio | 9.6123% | 4,156 |
| Tier 1 risk-based capital ratio | 12.9205% | 4,962 |
| Total risk-based capital ratio | 14.1795% | 4,897 |
| Memoranda: | ||
| Average total assets | $238,184,670 | 2,651 |
| Average earning assets | $216,671,330 | 2,672 |
| Average equity | $22,960,330 | 2,849 |
| Average total loans | $169,040,000 | 2,344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,913 |
| Cost of funding earning assets | 0.5676% | 2,262 |
| Net interest margin | 3.8992% | 2,090 |
| Noninterest income to average assets | 0.9256% | 1,319 |
| Noninterest expense to average assets | 3.5433% | 1,408 |
| Loan and lease loss provision to assets | 0.4230% | 395 |
| Net operating income to assets | 0.4400% | 4,975 |
| Return on assets (ROA) | 0.4400% | 5,036 |
| Pretax return on assets | 0.5161% | 5,118 |
| Return on Equity (ROE) | 4.5961% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.5961% | 3,363 |
| Net charge-offs to loans | 1.1540% | 291 |
| Credit loss provision to net charge-offs | 51.7598% | 2,184 |
| Earnings coverage of net charge-offs (x) | 1.1491% | 3,165 |
| Efficiency ratio | 79.0487% | 2,330 |
| Assets per employee ($millions) | 3.0764% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3194% | 999 |
| Loan loss allowance to noncurrent loans | 77.1025% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 3.0667% | 922 |
| Noncurrent loans to loans | 3.0082% | 1,048 |
| Net loans and leases to total assets | 69.0258% | 2,052 |
| Net loans and leases to deposits | 81.9415% | 2,048 |
| Net loans and leases to core deposits | 84.7268% | 2,441 |
| Total domestic deposits to total assets | 84.2379% | 4,194 |
| Equity capital to assets | 9.5061% | 4,494 |
| Core capital (leverage) ratio | 9.6628% | 4,042 |
| Tier 1 risk-based capital ratio | 12.8101% | 5,113 |
| Total risk-based capital ratio | 14.0713% | 5,054 |
| Memoranda: | ||
| Average total assets | $236,389,500 | 2,673 |
| Average earning assets | $215,633,500 | 2,688 |
| Average equity | $22,628,000 | 2,878 |
| Average total loans | $167,411,000 | 2,369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 2,062 |
| Cost of funding earning assets | 0.6742% | 2,003 |
| Net interest margin | 3.8651% | 2,413 |
| Noninterest income to average assets | 1.4898% | 634 |
| Noninterest expense to average assets | 3.7183% | 1,261 |
| Loan and lease loss provision to assets | 0.8110% | 261 |
| Net operating income to assets | 0.4077% | 5,122 |
| Return on assets (ROA) | 0.4471% | 5,094 |
| Pretax return on assets | 0.5112% | 5,173 |
| Return on Equity (ROE) | 4.7682% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.7682% | 2,755 |
| Net charge-offs to loans | 1.4343% | 338 |
| Credit loss provision to net charge-offs | 83.1557% | 2,950 |
| Earnings coverage of net charge-offs (x) | 1.3092% | 4,626 |
| Efficiency ratio | 74.4380% | 3,057 |
| Assets per employee ($millions) | 3.0236% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 812 |
| Loan loss allowance to noncurrent loans | 77.2913% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 3.2678% | 927 |
| Noncurrent loans to loans | 3.2616% | 1,023 |
| Net loans and leases to total assets | 69.1905% | 2,144 |
| Net loans and leases to deposits | 79.9385% | 2,466 |
| Net loans and leases to core deposits | 82.7680% | 2,803 |
| Total domestic deposits to total assets | 86.5547% | 2,968 |
| Equity capital to assets | 9.6406% | 4,232 |
| Core capital (leverage) ratio | 9.4680% | 4,314 |
| Tier 1 risk-based capital ratio | 12.9853% | 4,980 |
| Total risk-based capital ratio | 14.2497% | 4,927 |
| Memoranda: | ||
| Average total assets | $240,434,200 | 2,615 |
| Average earning assets | $218,052,000 | 2,645 |
| Average equity | $22,545,400 | 2,871 |
| Average total loans | $163,497,600 | 2,373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 2,150 |
| Cost of funding earning assets | 0.6896% | 2,021 |
| Net interest margin | 3.8324% | 2,528 |
| Noninterest income to average assets | 1.6142% | 564 |
| Noninterest expense to average assets | 3.6983% | 1,250 |
| Loan and lease loss provision to assets | 0.8665% | 206 |
| Net operating income to assets | 0.4424% | 5,055 |
| Return on assets (ROA) | 0.4732% | 5,070 |
| Pretax return on assets | 0.5524% | 5,199 |
| Return on Equity (ROE) | 5.0803% | 4,686 |
| Retained earnings to average equity (ytd only) | 5.0803% | 3,021 |
| Net charge-offs to loans | 1.9134% | 208 |
| Credit loss provision to net charge-offs | 67.3077% | 3,121 |
| Earnings coverage of net charge-offs (x) | 1.0744% | 4,487 |
| Efficiency ratio | 72.7804% | 3,268 |
| Assets per employee ($millions) | 2.9885% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,085 |
| Loan loss allowance to noncurrent loans | 96.1256% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 2.7121% | 1,389 |
| Noncurrent loans to loans | 2.4628% | 1,768 |
| Net loans and leases to total assets | 66.3113% | 2,584 |
| Net loans and leases to deposits | 76.2282% | 2,932 |
| Net loans and leases to core deposits | 78.9046% | 3,241 |
| Total domestic deposits to total assets | 86.9904% | 2,696 |
| Equity capital to assets | 9.4202% | 4,646 |
| Core capital (leverage) ratio | 9.1296% | 4,926 |
| Tier 1 risk-based capital ratio | 13.1350% | 5,026 |
| Total risk-based capital ratio | 14.3976% | 4,970 |
| Memoranda: | ||
| Average total assets | $242,338,250 | 2,622 |
| Average earning assets | $219,246,750 | 2,638 |
| Average equity | $22,570,500 | 2,896 |
| Average total loans | $163,058,500 | 2,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,229 |
| Cost of funding earning assets | 0.6937% | 2,114 |
| Net interest margin | 3.7977% | 2,565 |
| Noninterest income to average assets | 1.6635% | 588 |
| Noninterest expense to average assets | 3.6502% | 1,334 |
| Loan and lease loss provision to assets | 0.8592% | 238 |
| Net operating income to assets | 0.4809% | 4,878 |
| Return on assets (ROA) | 0.5253% | 4,856 |
| Pretax return on assets | 0.6448% | 4,859 |
| Return on Equity (ROE) | 5.6612% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.6612% | 2,638 |
| Net charge-offs to loans | 2.0920% | 211 |
| Credit loss provision to net charge-offs | 61.2245% | 2,993 |
| Earnings coverage of net charge-offs (x) | 1.0327% | 4,190 |
| Efficiency ratio | 71.5822% | 3,544 |
| Assets per employee ($millions) | 3.0462% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3767% | 1,123 |
| Loan loss allowance to noncurrent loans | 97.7176% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 2.7377% | 1,513 |
| Noncurrent loans to loans | 2.4323% | 1,926 |
| Net loans and leases to total assets | 64.8553% | 2,783 |
| Net loans and leases to deposits | 78.0154% | 2,570 |
| Net loans and leases to core deposits | 80.6534% | 2,956 |
| Total domestic deposits to total assets | 83.1314% | 4,650 |
| Equity capital to assets | 9.0394% | 5,180 |
| Core capital (leverage) ratio | 8.9010% | 5,142 |
| Tier 1 risk-based capital ratio | 12.6396% | 5,401 |
| Total risk-based capital ratio | 13.9019% | 5,332 |
| Memoranda: | ||
| Average total assets | $244,421,670 | 2,609 |
| Average earning assets | $221,136,670 | 2,627 |
| Average equity | $22,680,670 | 2,904 |
| Average total loans | $163,961,670 | 2,385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 2,140 |
| Cost of funding earning assets | 0.7026% | 2,184 |
| Net interest margin | 3.8050% | 2,433 |
| Noninterest income to average assets | 1.5440% | 647 |
| Noninterest expense to average assets | 3.6636% | 1,308 |
| Loan and lease loss provision to assets | 0.8633% | 236 |
| Net operating income to assets | 0.4029% | 5,122 |
| Return on assets (ROA) | 0.4029% | 5,266 |
| Pretax return on assets | 0.4456% | 5,429 |
| Return on Equity (ROE) | 4.2853% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.2853% | 3,655 |
| Net charge-offs to loans | 2.7540% | 140 |
| Credit loss provision to net charge-offs | 46.5013% | 2,653 |
| Earnings coverage of net charge-offs (x) | 0.7050% | 3,593 |
| Efficiency ratio | 73.6772% | 3,323 |
| Assets per employee ($millions) | 2.9716% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4576% | 1,166 |
| Loan loss allowance to noncurrent loans | 90.2395% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 3.3770% | 1,284 |
| Noncurrent loans to loans | 2.7235% | 1,876 |
| Net loans and leases to total assets | 63.6760% | 2,775 |
| Net loans and leases to deposits | 73.0915% | 3,036 |
| Net loans and leases to core deposits | 74.9668% | 3,471 |
| Total domestic deposits to total assets | 87.1181% | 2,893 |
| Equity capital to assets | 9.2795% | 5,160 |
| Core capital (leverage) ratio | 9.0453% | 4,815 |
| Tier 1 risk-based capital ratio | 12.6479% | 5,474 |
| Total risk-based capital ratio | 13.9113% | 5,418 |
| Memoranda: | ||
| Average total assets | $243,261,000 | 2,649 |
| Average earning assets | $219,182,500 | 2,675 |
| Average equity | $22,869,000 | 2,939 |
| Average total loans | $163,981,500 | 2,390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 2,467 |
| Cost of funding earning assets | 0.7991% | 2,674 |
| Net interest margin | 3.9320% | 2,687 |
| Noninterest income to average assets | 1.3908% | 805 |
| Noninterest expense to average assets | 3.3378% | 2,229 |
| Loan and lease loss provision to assets | 3.3685% | 28 |
| Net operating income to assets | -0.8814% | 6,703 |
| Return on assets (ROA) | -0.8465% | 6,711 |
| Pretax return on assets | -1.6599% | 6,886 |
| Return on Equity (ROE) | -9.1553% | 6,706 |
| Retained earnings to average equity (ytd only) | -9.1553% | 6,612 |
| Net charge-offs to loans | 3.8437% | 81 |
| Credit loss provision to net charge-offs | 125.3238% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 5,181 |
| Efficiency ratio | 66.8636% | 4,351 |
| Assets per employee ($millions) | 2.8901% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 894 |
| Loan loss allowance to noncurrent loans | 76.2454% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 4.0345% | 1,057 |
| Noncurrent loans to loans | 3.5830% | 1,376 |
| Net loans and leases to total assets | 67.6977% | 2,239 |
| Net loans and leases to deposits | 77.6314% | 2,582 |
| Net loans and leases to core deposits | 79.8782% | 3,026 |
| Total domestic deposits to total assets | 87.2041% | 2,701 |
| Equity capital to assets | 9.5260% | 4,836 |
| Core capital (leverage) ratio | 8.7847% | 5,204 |
| Tier 1 risk-based capital ratio | 12.1679% | 5,676 |
| Total risk-based capital ratio | 13.4346% | 5,622 |
| Memoranda: | ||
| Average total assets | $244,171,800 | 2,586 |
| Average earning assets | $223,625,600 | 2,580 |
| Average equity | $22,577,000 | 2,904 |
| Average total loans | $170,749,000 | 2,308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 2,627 |
| Cost of funding earning assets | 0.8169% | 2,807 |
| Net interest margin | 3.9215% | 2,835 |
| Noninterest income to average assets | 1.2977% | 876 |
| Noninterest expense to average assets | 3.1859% | 2,612 |
| Loan and lease loss provision to assets | 2.6775% | 52 |
| Net operating income to assets | -0.4301% | 6,665 |
| Return on assets (ROA) | -0.3838% | 6,682 |
| Pretax return on assets | -0.8840% | 6,828 |
| Return on Equity (ROE) | -4.1820% | 6,684 |
| Retained earnings to average equity (ytd only) | -4.1820% | 6,564 |
| Net charge-offs to loans | 3.3422% | 146 |
| Credit loss provision to net charge-offs | 114.4284% | 2,547 |
| Earnings coverage of net charge-offs (x) | 0.7356% | 4,960 |
| Efficiency ratio | 64.9236% | 4,635 |
| Assets per employee ($millions) | 3.1448% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 1,889 |
| Loan loss allowance to noncurrent loans | 38.0705% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 4.3502% | 1,074 |
| Noncurrent loans to loans | 5.5331% | 776 |
| Net loans and leases to total assets | 68.4442% | 2,229 |
| Net loans and leases to deposits | 78.6589% | 2,572 |
| Net loans and leases to core deposits | 81.8746% | 2,974 |
| Total domestic deposits to total assets | 87.0139% | 2,661 |
| Equity capital to assets | 9.3526% | 5,401 |
| Core capital (leverage) ratio | 8.5075% | 5,738 |
| Tier 1 risk-based capital ratio | 11.7374% | 6,086 |
| Total risk-based capital ratio | 12.9966% | 6,064 |
| Memoranda: | ||
| Average total assets | $245,244,500 | 2,600 |
| Average earning assets | $225,723,250 | 2,579 |
| Average equity | $22,508,500 | 2,937 |
| Average total loans | $171,697,500 | 2,324 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 2,709 |
| Cost of funding earning assets | 0.8368% | 2,893 |
| Net interest margin | 3.9157% | 2,843 |
| Noninterest income to average assets | 1.2979% | 840 |
| Noninterest expense to average assets | 3.2176% | 2,534 |
| Loan and lease loss provision to assets | 2.8101% | 72 |
| Net operating income to assets | -0.5265% | 6,745 |
| Return on assets (ROA) | -0.4577% | 6,759 |
| Pretax return on assets | -1.0124% | 6,898 |
| Return on Equity (ROE) | -5.0177% | 6,770 |
| Retained earnings to average equity (ytd only) | -5.0177% | 6,617 |
| Net charge-offs to loans | 4.7763% | 78 |
| Credit loss provision to net charge-offs | 83.9981% | 3,212 |
| Earnings coverage of net charge-offs (x) | 0.5052% | 4,820 |
| Efficiency ratio | 65.5627% | 4,610 |
| Assets per employee ($millions) | 3.2738% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,776 |
| Loan loss allowance to noncurrent loans | 31.1256% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 3.4297% | 1,561 |
| Noncurrent loans to loans | 4.2536% | 1,273 |
| Net loans and leases to total assets | 67.9026% | 2,302 |
| Net loans and leases to deposits | 77.9864% | 2,671 |
| Net loans and leases to core deposits | 82.1867% | 2,938 |
| Total domestic deposits to total assets | 87.0698% | 2,735 |
| Equity capital to assets | 9.0692% | 5,624 |
| Core capital (leverage) ratio | 8.4321% | 5,739 |
| Tier 1 risk-based capital ratio | 11.6101% | 6,164 |
| Total risk-based capital ratio | 12.8601% | 6,142 |
| Memoranda: | ||
| Average total assets | $247,325,330 | 2,579 |
| Average earning assets | $228,005,330 | 2,544 |
| Average equity | $22,560,330 | 2,913 |
| Average total loans | $173,229,000 | 2,318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 2,592 |
| Cost of funding earning assets | 0.8573% | 3,015 |
| Net interest margin | 3.9530% | 2,701 |
| Noninterest income to average assets | 1.2569% | 900 |
| Noninterest expense to average assets | 3.2503% | 2,435 |
| Loan and lease loss provision to assets | 1.4100% | 256 |
| Net operating income to assets | 0.2981% | 5,665 |
| Return on assets (ROA) | 0.2981% | 5,830 |
| Pretax return on assets | 0.2449% | 6,095 |
| Return on Equity (ROE) | 3.2590% | 5,610 |
| Retained earnings to average equity (ytd only) | 3.2590% | 4,613 |
| Net charge-offs to loans | -0.1255% | 6,867 |
| Credit loss provision to net charge-offs | -1,590.9091% | 6,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2615% | 4,512 |
| Assets per employee ($millions) | 3.4800% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2226% | 1,841 |
| Loan loss allowance to noncurrent loans | 40.2417% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 4.3702% | 1,233 |
| Noncurrent loans to loans | 5.5231% | 966 |
| Net loans and leases to total assets | 67.2279% | 2,246 |
| Net loans and leases to deposits | 77.1115% | 2,659 |
| Net loans and leases to core deposits | 81.4690% | 2,900 |
| Total domestic deposits to total assets | 87.1828% | 2,840 |
| Equity capital to assets | 9.0868% | 5,377 |
| Core capital (leverage) ratio | 8.7481% | 5,205 |
| Tier 1 risk-based capital ratio | 11.9403% | 5,999 |
| Total risk-based capital ratio | 13.2009% | 5,989 |
| Memoranda: | ||
| Average total assets | $248,221,000 | 2,578 |
| Average earning assets | $229,090,500 | 2,543 |
| Average equity | $22,706,500 | 2,881 |
| Average total loans | $175,363,000 | 2,305 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 1,499 |
| Cost of funding earning assets | 1.0249% | 3,198 |
| Net interest margin | 4.3448% | 1,559 |
| Noninterest income to average assets | 1.0339% | 1,275 |
| Noninterest expense to average assets | 3.1657% | 2,981 |
| Loan and lease loss provision to assets | 1.3521% | 588 |
| Net operating income to assets | 0.4359% | 4,711 |
| Return on assets (ROA) | 0.5413% | 4,461 |
| Pretax return on assets | 0.6306% | 4,592 |
| Return on Equity (ROE) | 6.0830% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.0830% | 1,969 |
| Net charge-offs to loans | 2.7817% | 380 |
| Credit loss provision to net charge-offs | 66.5508% | 4,982 |
| Earnings coverage of net charge-offs (x) | 0.9156% | 5,116 |
| Efficiency ratio | 62.9887% | 5,303 |
| Assets per employee ($millions) | 3.2784% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 3,495 |
| Loan loss allowance to noncurrent loans | 37.0858% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 3.7701% | 1,540 |
| Noncurrent loans to loans | 4.3805% | 1,376 |
| Net loans and leases to total assets | 71.3967% | 1,753 |
| Net loans and leases to deposits | 82.9385% | 2,078 |
| Net loans and leases to core deposits | 87.6655% | 2,408 |
| Total domestic deposits to total assets | 86.0839% | 3,271 |
| Equity capital to assets | 9.2097% | 5,269 |
| Core capital (leverage) ratio | 8.6537% | 5,312 |
| Tier 1 risk-based capital ratio | 11.4237% | 6,204 |
| Total risk-based capital ratio | 12.6773% | 6,196 |
| Memoranda: | ||
| Average total assets | $240,735,800 | 2,625 |
| Average earning assets | $221,182,600 | 2,595 |
| Average equity | $21,420,200 | 2,960 |
| Average total loans | $175,826,600 | 2,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 1,591 |
| Cost of funding earning assets | 1.0573% | 3,273 |
| Net interest margin | 4.3177% | 1,651 |
| Noninterest income to average assets | 0.9750% | 1,408 |
| Noninterest expense to average assets | 3.1733% | 2,913 |
| Loan and lease loss provision to assets | 1.4060% | 512 |
| Net operating income to assets | 0.3243% | 5,310 |
| Return on assets (ROA) | 0.4722% | 4,862 |
| Pretax return on assets | 0.5234% | 5,065 |
| Return on Equity (ROE) | 5.3549% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.3549% | 2,945 |
| Net charge-offs to loans | 3.2927% | 257 |
| Credit loss provision to net charge-offs | 58.3680% | 4,843 |
| Earnings coverage of net charge-offs (x) | 0.7328% | 5,063 |
| Efficiency ratio | 64.2575% | 5,024 |
| Assets per employee ($millions) | 3.3041% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 3,864 |
| Loan loss allowance to noncurrent loans | 31.8648% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 4.2633% | 1,432 |
| Noncurrent loans to loans | 4.8822% | 1,297 |
| Net loans and leases to total assets | 70.7590% | 1,936 |
| Net loans and leases to deposits | 82.3338% | 2,296 |
| Net loans and leases to core deposits | 86.9081% | 2,659 |
| Total domestic deposits to total assets | 85.9417% | 3,251 |
| Equity capital to assets | 9.0326% | 5,714 |
| Core capital (leverage) ratio | 8.6369% | 5,496 |
| Tier 1 risk-based capital ratio | 11.3816% | 6,309 |
| Total risk-based capital ratio | 12.6399% | 6,301 |
| Memoranda: | ||
| Average total assets | $239,449,500 | 2,650 |
| Average earning assets | $219,801,750 | 2,631 |
| Average equity | $21,114,000 | 2,992 |
| Average total loans | $175,170,750 | 2,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 1,491 |
| Cost of funding earning assets | 1.0915% | 3,305 |
| Net interest margin | 4.3323% | 1,559 |
| Noninterest income to average assets | 0.9463% | 1,480 |
| Noninterest expense to average assets | 3.1636% | 3,033 |
| Loan and lease loss provision to assets | 1.2618% | 599 |
| Net operating income to assets | 0.4205% | 4,856 |
| Return on assets (ROA) | 0.5526% | 4,430 |
| Pretax return on assets | 0.6612% | 4,527 |
| Return on Equity (ROE) | 6.3202% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.3202% | 2,232 |
| Net charge-offs to loans | 2.8152% | 389 |
| Credit loss provision to net charge-offs | 60.9013% | 4,319 |
| Earnings coverage of net charge-offs (x) | 0.8522% | 4,659 |
| Efficiency ratio | 64.1809% | 5,208 |
| Assets per employee ($millions) | 3.2378% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 2,337 |
| Loan loss allowance to noncurrent loans | 36.0590% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 4.6253% | 1,354 |
| Noncurrent loans to loans | 5.5789% | 1,124 |
| Net loans and leases to total assets | 72.6177% | 1,660 |
| Net loans and leases to deposits | 84.0746% | 2,097 |
| Net loans and leases to core deposits | 88.7165% | 2,536 |
| Total domestic deposits to total assets | 86.3729% | 3,113 |
| Equity capital to assets | 8.9496% | 5,650 |
| Core capital (leverage) ratio | 8.6211% | 5,361 |
| Tier 1 risk-based capital ratio | 11.2450% | 6,356 |
| Total risk-based capital ratio | 12.5035% | 6,347 |
| Memoranda: | ||
| Average total assets | $237,765,000 | 2,679 |
| Average earning assets | $218,589,670 | 2,660 |
| Average equity | $20,790,330 | 3,027 |
| Average total loans | $174,980,330 | 2,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3991% | 1,558 |
| Cost of funding earning assets | 1.1316% | 3,287 |
| Net interest margin | 4.2675% | 1,675 |
| Noninterest income to average assets | 0.8968% | 1,674 |
| Noninterest expense to average assets | 3.1598% | 3,028 |
| Loan and lease loss provision to assets | 1.2666% | 548 |
| Net operating income to assets | 0.3640% | 5,102 |
| Return on assets (ROA) | 0.4526% | 4,791 |
| Pretax return on assets | 0.4898% | 5,059 |
| Return on Equity (ROE) | 5.2385% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.2385% | 3,038 |
| Net charge-offs to loans | -0.0069% | 6,287 |
| Credit loss provision to net charge-offs | -25,000.0000% | 6,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5571% | 5,117 |
| Assets per employee ($millions) | 3.1968% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0422% | 879 |
| Loan loss allowance to noncurrent loans | 50.0710% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 4.6333% | 1,388 |
| Noncurrent loans to loans | 6.0758% | 1,038 |
| Net loans and leases to total assets | 70.2922% | 2,072 |
| Net loans and leases to deposits | 81.7594% | 2,404 |
| Net loans and leases to core deposits | 86.3613% | 2,825 |
| Total domestic deposits to total assets | 85.9744% | 3,540 |
| Equity capital to assets | 8.6461% | 5,720 |
| Core capital (leverage) ratio | 8.5502% | 5,351 |
| Tier 1 risk-based capital ratio | 11.3475% | 6,215 |
| Total risk-based capital ratio | 12.6173% | 6,187 |
| Memoranda: | ||
| Average total assets | $236,849,500 | 2,713 |
| Average earning assets | $217,740,500 | 2,692 |
| Average equity | $20,464,000 | 3,057 |
| Average total loans | $173,690,000 | 2,377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 1,652 |
| Cost of funding earning assets | 1.4951% | 2,670 |
| Net interest margin | 4.1817% | 2,259 |
| Noninterest income to average assets | 1.0954% | 1,242 |
| Noninterest expense to average assets | 3.2033% | 3,081 |
| Loan and lease loss provision to assets | 2.3861% | 487 |
| Net operating income to assets | -0.2236% | 6,138 |
| Return on assets (ROA) | -0.2038% | 6,169 |
| Pretax return on assets | -0.6092% | 6,403 |
| Return on Equity (ROE) | -2.4271% | 6,222 |
| Retained earnings to average equity (ytd only) | -3.1491% | 6,109 |
| Net charge-offs to loans | 2.7300% | 661 |
| Credit loss provision to net charge-offs | 120.9414% | 3,483 |
| Earnings coverage of net charge-offs (x) | 0.8849% | 5,236 |
| Efficiency ratio | 64.7238% | 5,217 |
| Assets per employee ($millions) | 3.1192% | 5,839 |
| Cash dividends to net income (ytd only)* | -29.7468% | 7,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6130% | 1,280 |
| Loan loss allowance to noncurrent loans | 44.2051% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 4.6812% | 1,409 |
| Noncurrent loans to loans | 5.9110% | 1,065 |
| Net loans and leases to total assets | 72.2515% | 2,042 |
| Net loans and leases to deposits | 85.1694% | 2,245 |
| Net loans and leases to core deposits | 91.5687% | 2,548 |
| Total domestic deposits to total assets | 84.8327% | 3,935 |
| Equity capital to assets | 8.6339% | 5,680 |
| Core capital (leverage) ratio | 8.3928% | 5,548 |
| Tier 1 risk-based capital ratio | 11.2280% | 6,157 |
| Total risk-based capital ratio | 12.4939% | 6,125 |
| Memoranda: | ||
| Average total assets | $232,600,800 | 2,713 |
| Average earning assets | $214,365,000 | 2,695 |
| Average equity | $19,529,400 | 3,209 |
| Average total loans | $168,093,400 | 2,494 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 2,018 |
| Cost of funding earning assets | 1.5673% | 2,563 |
| Net interest margin | 4.0467% | 2,874 |
| Noninterest income to average assets | 0.9971% | 1,470 |
| Noninterest expense to average assets | 3.0987% | 3,346 |
| Loan and lease loss provision to assets | 1.9087% | 639 |
| Net operating income to assets | 0.0045% | 5,993 |
| Return on assets (ROA) | 0.0310% | 6,061 |
| Pretax return on assets | -0.2325% | 6,345 |
| Return on Equity (ROE) | 0.3719% | 6,036 |
| Retained earnings to average equity (ytd only) | -0.5991% | 5,942 |
| Net charge-offs to loans | 1.7345% | 1,123 |
| Credit loss provision to net charge-offs | 153.2964% | 2,519 |
| Earnings coverage of net charge-offs (x) | 1.3130% | 4,764 |
| Efficiency ratio | 65.4620% | 4,966 |
| Assets per employee ($millions) | 3.1846% | 5,714 |
| Cash dividends to net income (ytd only)* | 261.1111% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7121% | 1,073 |
| Loan loss allowance to noncurrent loans | 58.2584% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 3.5848% | 1,987 |
| Noncurrent loans to loans | 4.6553% | 1,526 |
| Net loans and leases to total assets | 71.9990% | 2,249 |
| Net loans and leases to deposits | 84.2193% | 2,668 |
| Net loans and leases to core deposits | 88.1245% | 3,352 |
| Total domestic deposits to total assets | 85.4899% | 3,350 |
| Equity capital to assets | 8.2533% | 6,559 |
| Core capital (leverage) ratio | 7.8446% | 6,523 |
| Tier 1 risk-based capital ratio | 10.4326% | 6,814 |
| Total risk-based capital ratio | 11.7003% | 6,803 |
| Memoranda: | ||
| Average total assets | $232,266,750 | 2,754 |
| Average earning assets | $214,458,500 | 2,730 |
| Average equity | $19,362,250 | 3,270 |
| Average total loans | $166,727,250 | 2,567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 2,284 |
| Cost of funding earning assets | 1.6464% | 2,405 |
| Net interest margin | 3.9156% | 3,374 |
| Noninterest income to average assets | 0.8696% | 1,804 |
| Noninterest expense to average assets | 3.0216% | 3,629 |
| Loan and lease loss provision to assets | 1.6873% | 751 |
| Net operating income to assets | 0.0390% | 6,010 |
| Return on assets (ROA) | 0.0467% | 6,101 |
| Pretax return on assets | -0.2094% | 6,345 |
| Return on Equity (ROE) | 0.5586% | 6,071 |
| Retained earnings to average equity (ytd only) | -0.9000% | 5,949 |
| Net charge-offs to loans | 1.4449% | 1,321 |
| Credit loss provision to net charge-offs | 164.4182% | 2,395 |
| Earnings coverage of net charge-offs (x) | 1.4283% | 4,416 |
| Efficiency ratio | 67.3351% | 4,710 |
| Assets per employee ($millions) | 3.2417% | 5,569 |
| Cash dividends to net income (ytd only)* | 261.1111% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5848% | 1,210 |
| Loan loss allowance to noncurrent loans | 48.9782% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 3.9645% | 1,748 |
| Noncurrent loans to loans | 5.2774% | 1,282 |
| Net loans and leases to total assets | 70.0479% | 2,887 |
| Net loans and leases to deposits | 81.5783% | 3,330 |
| Net loans and leases to core deposits | 84.3024% | 4,098 |
| Total domestic deposits to total assets | 85.8658% | 3,168 |
| Equity capital to assets | 8.2408% | 6,493 |
| Core capital (leverage) ratio | 7.9660% | 6,306 |
| Tier 1 risk-based capital ratio | 10.6243% | 6,590 |
| Total risk-based capital ratio | 11.8895% | 6,573 |
| Memoranda: | ||
| Average total assets | $231,134,670 | 2,793 |
| Average earning assets | $213,554,670 | 2,766 |
| Average equity | $19,333,000 | 3,265 |
| Average total loans | $164,168,000 | 2,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 2,424 |
| Cost of funding earning assets | 1.7397% | 2,184 |
| Net interest margin | 3.7972% | 3,809 |
| Noninterest income to average assets | 0.7669% | 2,191 |
| Noninterest expense to average assets | 3.0104% | 3,642 |
| Loan and lease loss provision to assets | 0.3913% | 3,025 |
| Net operating income to assets | 0.7102% | 3,392 |
| Return on assets (ROA) | 0.7130% | 3,488 |
| Pretax return on assets | 0.8800% | 3,539 |
| Return on Equity (ROE) | 8.4612% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.5514% | 2,841 |
| Net charge-offs to loans | 0.0887% | 4,532 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,164 |
| Efficiency ratio | 70.3659% | 4,231 |
| Assets per employee ($millions) | 3.2261% | 5,708 |
| Cash dividends to net income (ytd only)* | 34.3902% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3267% | 1,535 |
| Loan loss allowance to noncurrent loans | 59.9395% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7949% | 2,602 |
| Noncurrent loans to loans | 3.8818% | 2,037 |
| Net loans and leases to total assets | 68.0064% | 3,391 |
| Net loans and leases to deposits | 78.0279% | 4,033 |
| Net loans and leases to core deposits | 82.1674% | 4,465 |
| Total domestic deposits to total assets | 87.1565% | 2,545 |
| Equity capital to assets | 8.4114% | 6,148 |
| Core capital (leverage) ratio | 8.2282% | 5,870 |
| Tier 1 risk-based capital ratio | 11.1727% | 5,985 |
| Total risk-based capital ratio | 12.4347% | 5,932 |
| Memoranda: | ||
| Average total assets | $230,002,500 | 2,877 |
| Average earning assets | $212,681,000 | 2,843 |
| Average equity | $19,382,500 | 3,281 |
| Average total loans | $162,337,500 | 2,734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9261% | 2,141 |
| Cost of funding earning assets | 2.2758% | 1,750 |
| Net interest margin | 3.6504% | 4,351 |
| Noninterest income to average assets | 1.3100% | 873 |
| Noninterest expense to average assets | 3.0449% | 3,964 |
| Loan and lease loss provision to assets | 0.9809% | 2,305 |
| Net operating income to assets | 0.5954% | 3,347 |
| Return on assets (ROA) | 0.6425% | 3,224 |
| Pretax return on assets | 0.7081% | 3,543 |
| Return on Equity (ROE) | 7.8290% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.2857% | 879 |
| Net charge-offs to loans | 0.7573% | 2,928 |
| Credit loss provision to net charge-offs | 177.5626% | 2,352 |
| Earnings coverage of net charge-offs (x) | 2.9637% | 3,597 |
| Efficiency ratio | 65.0319% | 5,576 |
| Assets per employee ($millions) | 3.1628% | 5,817 |
| Cash dividends to net income (ytd only)* | 6.9396% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1934% | 1,665 |
| Loan loss allowance to noncurrent loans | 57.5153% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.8227% | 2,485 |
| Noncurrent loans to loans | 3.8135% | 1,960 |
| Net loans and leases to total assets | 69.9847% | 3,260 |
| Net loans and leases to deposits | 81.8619% | 3,644 |
| Net loans and leases to core deposits | 104.9239% | 3,458 |
| Total domestic deposits to total assets | 85.4912% | 3,299 |
| Equity capital to assets | 8.4431% | 5,991 |
| Core capital (leverage) ratio | 8.0625% | 6,062 |
| Tier 1 risk-based capital ratio | 10.8399% | 6,075 |
| Total risk-based capital ratio | 12.1001% | 6,035 |
| Memoranda: | ||
| Average total assets | $224,277,000 | 2,885 |
| Average earning assets | $207,184,000 | 2,869 |
| Average equity | $18,406,000 | 3,442 |
| Average total loans | $163,606,400 | 2,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9485% | 2,235 |
| Cost of funding earning assets | 2.3361% | 1,859 |
| Net interest margin | 3.6124% | 4,432 |
| Noninterest income to average assets | 1.2723% | 952 |
| Noninterest expense to average assets | 3.0370% | 3,892 |
| Loan and lease loss provision to assets | 0.8952% | 2,151 |
| Net operating income to assets | 0.5695% | 3,731 |
| Return on assets (ROA) | 0.5705% | 3,792 |
| Pretax return on assets | 0.6791% | 3,931 |
| Return on Equity (ROE) | 7.0032% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.2706% | 1,822 |
| Net charge-offs to loans | 0.8695% | 2,231 |
| Credit loss provision to net charge-offs | 140.4494% | 3,498 |
| Earnings coverage of net charge-offs (x) | 2.4682% | 3,998 |
| Efficiency ratio | 65.8770% | 5,388 |
| Assets per employee ($millions) | 3.4755% | 4,988 |
| Cash dividends to net income (ytd only)* | 10.4603% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 2,076 |
| Loan loss allowance to noncurrent loans | 55.2832% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.6528% | 2,623 |
| Noncurrent loans to loans | 3.4060% | 2,210 |
| Net loans and leases to total assets | 69.1730% | 3,679 |
| Net loans and leases to deposits | 79.0354% | 4,555 |
| Net loans and leases to core deposits | 102.9930% | 4,055 |
| Total domestic deposits to total assets | 87.5216% | 1,874 |
| Equity capital to assets | 8.2871% | 6,520 |
| Core capital (leverage) ratio | 7.9676% | 6,416 |
| Tier 1 risk-based capital ratio | 10.6157% | 6,326 |
| Total risk-based capital ratio | 11.8723% | 6,303 |
| Memoranda: | ||
| Average total assets | $223,415,250 | 2,912 |
| Average earning assets | $206,434,000 | 2,903 |
| Average equity | $18,200,750 | 3,500 |
| Average total loans | $163,771,500 | 2,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0355% | 2,032 |
| Cost of funding earning assets | 2.4048% | 1,955 |
| Net interest margin | 3.6307% | 4,244 |
| Noninterest income to average assets | 1.4118% | 755 |
| Noninterest expense to average assets | 3.0773% | 3,785 |
| Loan and lease loss provision to assets | 0.8129% | 2,060 |
| Net operating income to assets | 0.6860% | 3,314 |
| Return on assets (ROA) | 0.6874% | 3,422 |
| Pretax return on assets | 0.8779% | 3,411 |
| Return on Equity (ROE) | 8.4879% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.4879% | 1,072 |
| Net charge-offs to loans | 1.1517% | 1,584 |
| Credit loss provision to net charge-offs | 95.0370% | 4,772 |
| Earnings coverage of net charge-offs (x) | 1.9747% | 4,102 |
| Efficiency ratio | 64.5632% | 5,794 |
| Assets per employee ($millions) | 3.4133% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 2,889 |
| Loan loss allowance to noncurrent loans | 190.4974% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 5,380 |
| Noncurrent loans to loans | 0.8221% | 5,581 |
| Net loans and leases to total assets | 72.6970% | 3,039 |
| Net loans and leases to deposits | 83.7994% | 3,919 |
| Net loans and leases to core deposits | 114.3571% | 2,871 |
| Total domestic deposits to total assets | 86.7512% | 2,378 |
| Equity capital to assets | 8.2123% | 6,471 |
| Core capital (leverage) ratio | 7.9821% | 6,366 |
| Tier 1 risk-based capital ratio | 10.4246% | 6,451 |
| Total risk-based capital ratio | 11.6778% | 6,398 |
| Memoranda: | ||
| Average total assets | $221,427,000 | 2,956 |
| Average earning assets | $204,590,000 | 2,944 |
| Average equity | $17,931,330 | 3,560 |
| Average total loans | $164,457,330 | 2,748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9392% | 2,607 |
| Cost of funding earning assets | 2.4535% | 2,093 |
| Net interest margin | 3.4857% | 4,784 |
| Noninterest income to average assets | 1.4882% | 636 |
| Noninterest expense to average assets | 3.0071% | 3,742 |
| Loan and lease loss provision to assets | 0.5425% | 2,302 |
| Net operating income to assets | 0.8617% | 2,871 |
| Return on assets (ROA) | 0.8643% | 3,010 |
| Pretax return on assets | 1.1663% | 2,741 |
| Return on Equity (ROE) | 10.7494% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.7494% | 1,019 |
| Net charge-offs to loans | 0.0680% | 4,520 |
| Credit loss provision to net charge-offs | 1,071.4286% | 580 |
| Earnings coverage of net charge-offs (x) | 33.6786% | 976 |
| Efficiency ratio | 63.8143% | 5,724 |
| Assets per employee ($millions) | 3.3961% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 1,988 |
| Loan loss allowance to noncurrent loans | 41.3146% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 3.3452% | 1,633 |
| Noncurrent loans to loans | 4.2283% | 1,397 |
| Net loans and leases to total assets | 72.3931% | 3,153 |
| Net loans and leases to deposits | 84.1051% | 3,966 |
| Net loans and leases to core deposits | 116.4168% | 2,758 |
| Total domestic deposits to total assets | 86.0745% | 2,670 |
| Equity capital to assets | 8.0640% | 6,723 |
| Core capital (leverage) ratio | 8.0748% | 6,337 |
| Tier 1 risk-based capital ratio | 10.0755% | 6,832 |
| Total risk-based capital ratio | 11.3306% | 6,745 |
| Memoranda: | ||
| Average total assets | $221,209,500 | 2,975 |
| Average earning assets | $204,607,000 | 2,956 |
| Average equity | $17,787,000 | 3,597 |
| Average total loans | $164,759,500 | 2,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2501% | 4,239 |
| Cost of funding earning assets | 3.0494% | 1,688 |
| Net interest margin | 3.2007% | 6,364 |
| Noninterest income to average assets | 0.8643% | 2,141 |
| Noninterest expense to average assets | 2.7495% | 5,048 |
| Loan and lease loss provision to assets | 1.5115% | 888 |
| Net operating income to assets | -0.1534% | 6,563 |
| Return on assets (ROA) | -0.1223% | 6,379 |
| Pretax return on assets | -0.4305% | 6,578 |
| Return on Equity (ROE) | -1.5129% | 6,435 |
| Retained earnings to average equity (ytd only) | -2.5782% | 6,011 |
| Net charge-offs to loans | 1.5821% | 723 |
| Credit loss provision to net charge-offs | 128.0062% | 4,163 |
| Earnings coverage of net charge-offs (x) | 0.8743% | 5,702 |
| Efficiency ratio | 72.7019% | 3,809 |
| Assets per employee ($millions) | 3.3581% | 5,074 |
| Cash dividends to net income (ytd only)* | -70.4120% | 8,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 2,290 |
| Loan loss allowance to noncurrent loans | 36.3270% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 3.5208% | 1,263 |
| Noncurrent loans to loans | 4.3761% | 1,092 |
| Net loans and leases to total assets | 74.1066% | 3,076 |
| Net loans and leases to deposits | 87.0007% | 3,947 |
| Net loans and leases to core deposits | 120.2279% | 2,663 |
| Total domestic deposits to total assets | 85.1793% | 2,762 |
| Equity capital to assets | 8.0169% | 6,823 |
| Core capital (leverage) ratio | 7.9135% | 6,632 |
| Tier 1 risk-based capital ratio | 10.0229% | 6,710 |
| Total risk-based capital ratio | 11.2764% | 6,588 |
| Memoranda: | ||
| Average total assets | $218,332,600 | 2,895 |
| Average earning assets | $199,020,600 | 2,903 |
| Average equity | $17,648,200 | 3,616 |
| Average total loans | $162,944,400 | 2,729 |