Home > Northwestern Bank > Performance and Condition Ratios
Northwestern Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 2,168 |
| Cost of funding earning assets | 1.0430% | 2,914 |
| Net interest margin | 3.8049% | 1,584 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 1.7040% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0258% | 484 |
| Return on assets (ROA) | 2.0258% | 476 |
| Pretax return on assets | 2.6901% | 315 |
| Return on Equity (ROE) | 16.0100% | 1,256 |
| Retained earnings to average equity (ytd only) | 16.0123% | 457 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.7796% | 4,387 |
| Assets per employee ($millions) | 11.6411% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 341 |
| Loan loss allowance to noncurrent loans | 3,210.1563% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,329 |
| Noncurrent loans to loans | 0.0652% | 3,287 |
| Net loans and leases to total assets | 71.8400% | 1,594 |
| Net loans and leases to deposits | 94.0281% | 891 |
| Net loans and leases to core deposits | 99.7759% | 1,324 |
| Total domestic deposits to total assets | 76.4100% | 3,979 |
| Equity capital to assets | 12.6881% | 876 |
| Core capital (leverage) ratio | 13.3691% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $256,094,000 | 2,648 |
| Average earning assets | $240,455,250 | 2,632 |
| Average equity | $32,399,250 | 2,152 |
| Average total loans | $197,126,000 | 2,310 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 2,101 |
| Cost of funding earning assets | 0.8787% | 2,995 |
| Net interest margin | 3.8722% | 1,482 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.7176% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9714% | 490 |
| Return on assets (ROA) | 1.9714% | 489 |
| Pretax return on assets | 2.5875% | 319 |
| Return on Equity (ROE) | 15.6000% | 1,338 |
| Retained earnings to average equity (ytd only) | 15.5984% | 507 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.8969% | 4,400 |
| Assets per employee ($millions) | 11.0788% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 349 |
| Loan loss allowance to noncurrent loans | 3,066.4179% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,253 |
| Noncurrent loans to loans | 0.0691% | 3,202 |
| Net loans and leases to total assets | 74.5000% | 1,225 |
| Net loans and leases to deposits | 91.3292% | 1,073 |
| Net loans and leases to core deposits | 96.3943% | 1,444 |
| Total domestic deposits to total assets | 81.5700% | 3,319 |
| Equity capital to assets | 12.9358% | 824 |
| Core capital (leverage) ratio | 12.9964% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $252,210,000 | 2,678 |
| Average earning assets | $236,712,333 | 2,663 |
| Average equity | $31,875,000 | 2,192 |
| Average total loans | $197,346,000 | 2,308 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,085 |
| Cost of funding earning assets | 0.7559% | 2,882 |
| Net interest margin | 3.8444% | 1,590 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 1.6293% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9083% | 565 |
| Return on assets (ROA) | 1.9083% | 560 |
| Pretax return on assets | 2.5093% | 352 |
| Return on Equity (ROE) | 15.2800% | 1,502 |
| Retained earnings to average equity (ytd only) | 15.2817% | 765 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.3683% | 4,461 |
| Assets per employee ($millions) | 10.4963% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 373 |
| Loan loss allowance to noncurrent loans | 2,893.6620% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,222 |
| Noncurrent loans to loans | 0.0732% | 3,208 |
| Net loans and leases to total assets | 75.4000% | 1,036 |
| Net loans and leases to deposits | 89.0576% | 1,134 |
| Net loans and leases to core deposits | 93.3662% | 1,433 |
| Total domestic deposits to total assets | 84.6600% | 2,939 |
| Equity capital to assets | 12.6322% | 841 |
| Core capital (leverage) ratio | 12.7839% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $250,909,000 | 2,727 |
| Average earning assets | $233,900,500 | 2,713 |
| Average equity | $31,331,500 | 2,235 |
| Average total loans | $199,047,000 | 2,312 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 1,926 |
| Cost of funding earning assets | 0.3847% | 2,222 |
| Net interest margin | 3.5374% | 1,814 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 1.7884% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8568% | 381 |
| Return on assets (ROA) | 1.8568% | 366 |
| Pretax return on assets | 2.4458% | 221 |
| Return on Equity (ROE) | 15.0900% | 1,236 |
| Retained earnings to average equity (ytd only) | 5.5083% | 2,824 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.2367% | 4,484 |
| Assets per employee ($millions) | 10.4128% | 587 |
| Cash dividends to net income (ytd only)* | 63.4921% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 638 |
| Loan loss allowance to noncurrent loans | 2,456.2914% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,200 |
| Noncurrent loans to loans | 0.0740% | 3,232 |
| Net loans and leases to total assets | 80.1700% | 576 |
| Net loans and leases to deposits | 94.4168% | 754 |
| Net loans and leases to core deposits | 98.6105% | 1,075 |
| Total domestic deposits to total assets | 84.9100% | 3,016 |
| Equity capital to assets | 12.3410% | 836 |
| Core capital (leverage) ratio | 12.2486% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $254,474,400 | 2,699 |
| Average earning assets | $239,387,400 | 2,674 |
| Average equity | $31,316,200 | 2,283 |
| Average total loans | $197,706,600 | 2,243 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 1,875 |
| Cost of funding earning assets | 0.3307% | 1,854 |
| Net interest margin | 3.4251% | 1,894 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 1.7682% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8418% | 389 |
| Return on assets (ROA) | 1.8418% | 378 |
| Pretax return on assets | 2.4265% | 233 |
| Return on Equity (ROE) | 14.9800% | 1,181 |
| Retained earnings to average equity (ytd only) | 14.9766% | 367 |
| Net charge-offs to loans | 0.0020% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,550.6667% | 85 |
| Efficiency ratio | 42.1537% | 4,518 |
| Assets per employee ($millions) | 10.9345% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 595 |
| Loan loss allowance to noncurrent loans | 1,169.0852% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 2,755 |
| Noncurrent loans to loans | 0.1630% | 2,788 |
| Net loans and leases to total assets | 72.6800% | 1,210 |
| Net loans and leases to deposits | 85.5056% | 1,200 |
| Net loans and leases to core deposits | 88.6398% | 1,379 |
| Total domestic deposits to total assets | 85.0000% | 3,287 |
| Equity capital to assets | 12.3280% | 812 |
| Core capital (leverage) ratio | 13.0716% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $255,616,250 | 2,711 |
| Average earning assets | $241,894,500 | 2,677 |
| Average equity | $31,435,000 | 2,303 |
| Average total loans | $196,120,500 | 2,258 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 1,590 |
| Cost of funding earning assets | 0.3238% | 1,495 |
| Net interest margin | 3.3570% | 1,734 |
| Noninterest income to average assets | 0.8771% | 884 |
| Noninterest expense to average assets | 1.7154% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7810% | 354 |
| Return on assets (ROA) | 1.7810% | 349 |
| Pretax return on assets | 2.3454% | 205 |
| Return on Equity (ROE) | 14.4944% | 1,002 |
| Retained earnings to average equity (ytd only) | 14.4944% | 317 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2434% | 4,561 |
| Assets per employee ($millions) | 10.3557% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 653 |
| Loan loss allowance to noncurrent loans | 2,392.9032% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,357 |
| Noncurrent loans to loans | 0.0797% | 3,382 |
| Net loans and leases to total assets | 76.7129% | 660 |
| Net loans and leases to deposits | 90.8645% | 673 |
| Net loans and leases to core deposits | 94.9138% | 872 |
| Total domestic deposits to total assets | 84.4257% | 3,603 |
| Equity capital to assets | 12.7675% | 705 |
| Core capital (leverage) ratio | 12.2729% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,346,000 | 2,753 |
| Average earning assets | $240,271,000 | 2,722 |
| Average equity | $31,129,333 | 2,363 |
| Average total loans | $196,682,667 | 2,255 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 1,323 |
| Cost of funding earning assets | 0.3240% | 1,424 |
| Net interest margin | 3.3538% | 1,428 |
| Noninterest income to average assets | 0.6538% | 1,477 |
| Noninterest expense to average assets | 1.5656% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7157% | 396 |
| Return on assets (ROA) | 1.7157% | 399 |
| Pretax return on assets | 2.2616% | 240 |
| Return on Equity (ROE) | 14.2338% | 787 |
| Retained earnings to average equity (ytd only) | 14.2338% | 357 |
| Net charge-offs to loans | 0.0020% | 1,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,446.0000% | 52 |
| Efficiency ratio | 40.9072% | 4,627 |
| Assets per employee ($millions) | 10.5526% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 730 |
| Loan loss allowance to noncurrent loans | 2,274.8466% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,441 |
| Noncurrent loans to loans | 0.0839% | 3,419 |
| Net loans and leases to total assets | 72.2109% | 813 |
| Net loans and leases to deposits | 84.8219% | 822 |
| Net loans and leases to core deposits | 89.0626% | 965 |
| Total domestic deposits to total assets | 85.1324% | 3,512 |
| Equity capital to assets | 11.7445% | 1,044 |
| Core capital (leverage) ratio | 12.0052% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,750,500 | 2,747 |
| Average earning assets | $241,997,000 | 2,722 |
| Average equity | $30,828,000 | 2,439 |
| Average total loans | $197,839,500 | 2,243 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 1,807 |
| Cost of funding earning assets | 0.4466% | 1,228 |
| Net interest margin | 3.3787% | 2,092 |
| Noninterest income to average assets | 0.8789% | 1,258 |
| Noninterest expense to average assets | 1.7746% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7455% | 577 |
| Return on assets (ROA) | 1.7455% | 597 |
| Pretax return on assets | 2.2932% | 349 |
| Return on Equity (ROE) | 13.1307% | 1,419 |
| Retained earnings to average equity (ytd only) | -4.8361% | 4,707 |
| Net charge-offs to loans | -0.0373% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6246% | 4,587 |
| Assets per employee ($millions) | 10.3202% | 610 |
| Cash dividends to net income (ytd only)* | 136.8301% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 809 |
| Loan loss allowance to noncurrent loans | 2,095.4802% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,460 |
| Noncurrent loans to loans | 0.0879% | 3,499 |
| Net loans and leases to total assets | 79.8425% | 273 |
| Net loans and leases to deposits | 94.6482% | 363 |
| Net loans and leases to core deposits | 100.0379% | 534 |
| Total domestic deposits to total assets | 84.3571% | 3,456 |
| Equity capital to assets | 12.3835% | 1,096 |
| Core capital (leverage) ratio | 11.6295% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,217,200 | 2,718 |
| Average earning assets | $237,106,200 | 2,699 |
| Average equity | $33,395,000 | 2,364 |
| Average total loans | $195,511,800 | 2,261 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 1,936 |
| Cost of funding earning assets | 0.4651% | 1,248 |
| Net interest margin | 3.3742% | 2,224 |
| Noninterest income to average assets | 0.8689% | 1,328 |
| Noninterest expense to average assets | 1.7263% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7686% | 715 |
| Return on assets (ROA) | 1.7686% | 748 |
| Pretax return on assets | 2.3271% | 444 |
| Return on Equity (ROE) | 13.0842% | 1,670 |
| Retained earnings to average equity (ytd only) | 13.0842% | 624 |
| Net charge-offs to loans | -0.0502% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5887% | 4,644 |
| Assets per employee ($millions) | 11.0569% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 808 |
| Loan loss allowance to noncurrent loans | 1,216.0656% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 3,320 |
| Noncurrent loans to loans | 0.1539% | 3,354 |
| Net loans and leases to total assets | 76.4570% | 512 |
| Net loans and leases to deposits | 92.6610% | 462 |
| Net loans and leases to core deposits | 98.0653% | 657 |
| Total domestic deposits to total assets | 82.5126% | 3,823 |
| Equity capital to assets | 14.0549% | 729 |
| Core capital (leverage) ratio | 13.8331% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,100,250 | 2,732 |
| Average earning assets | $237,917,250 | 2,712 |
| Average equity | $34,075,750 | 2,363 |
| Average total loans | $194,023,000 | 2,311 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 2,043 |
| Cost of funding earning assets | 0.5022% | 1,189 |
| Net interest margin | 3.3075% | 2,417 |
| Noninterest income to average assets | 0.8346% | 1,440 |
| Noninterest expense to average assets | 1.6844% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7242% | 837 |
| Return on assets (ROA) | 1.7242% | 885 |
| Pretax return on assets | 2.2684% | 509 |
| Return on Equity (ROE) | 12.9296% | 1,740 |
| Retained earnings to average equity (ytd only) | 12.9296% | 731 |
| Net charge-offs to loans | -0.0758% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6127% | 4,676 |
| Assets per employee ($millions) | 10.8592% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 732 |
| Loan loss allowance to noncurrent loans | 2,156.3953% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,750 |
| Noncurrent loans to loans | 0.0883% | 3,740 |
| Net loans and leases to total assets | 76.4755% | 548 |
| Net loans and leases to deposits | 92.5139% | 519 |
| Net loans and leases to core deposits | 98.1395% | 715 |
| Total domestic deposits to total assets | 82.6638% | 3,776 |
| Equity capital to assets | 13.8456% | 746 |
| Core capital (leverage) ratio | 12.9324% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,364,000 | 2,733 |
| Average earning assets | $236,976,000 | 2,709 |
| Average equity | $33,520,000 | 2,378 |
| Average total loans | $192,648,667 | 2,327 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 2,123 |
| Cost of funding earning assets | 0.5289% | 1,211 |
| Net interest margin | 3.2639% | 2,499 |
| Noninterest income to average assets | 0.6837% | 1,921 |
| Noninterest expense to average assets | 1.5625% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6735% | 984 |
| Return on assets (ROA) | 1.6735% | 1,032 |
| Pretax return on assets | 2.2049% | 681 |
| Return on Equity (ROE) | 12.7919% | 1,733 |
| Retained earnings to average equity (ytd only) | 12.7919% | 962 |
| Net charge-offs to loans | -0.0939% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4737% | 4,689 |
| Assets per employee ($millions) | 9.5687% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 699 |
| Loan loss allowance to noncurrent loans | 1,614.4737% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,750 |
| Noncurrent loans to loans | 0.1196% | 3,712 |
| Net loans and leases to total assets | 72.3342% | 978 |
| Net loans and leases to deposits | 86.9383% | 889 |
| Net loans and leases to core deposits | 91.8789% | 1,124 |
| Total domestic deposits to total assets | 83.2018% | 3,637 |
| Equity capital to assets | 12.9612% | 922 |
| Core capital (leverage) ratio | 12.7889% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,165,500 | 2,717 |
| Average earning assets | $238,240,500 | 2,691 |
| Average equity | $32,989,500 | 2,396 |
| Average total loans | $191,615,500 | 2,340 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 2,145 |
| Cost of funding earning assets | 0.7901% | 1,250 |
| Net interest margin | 3.4077% | 2,755 |
| Noninterest income to average assets | 0.8108% | 1,501 |
| Noninterest expense to average assets | 1.8123% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6747% | 531 |
| Return on assets (ROA) | 1.6747% | 570 |
| Pretax return on assets | 2.1875% | 305 |
| Return on Equity (ROE) | 12.0602% | 1,304 |
| Retained earnings to average equity (ytd only) | 2.9421% | 3,399 |
| Net charge-offs to loans | 0.0242% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 112.6739% | 736 |
| Efficiency ratio | 45.3097% | 4,739 |
| Assets per employee ($millions) | 9.8390% | 561 |
| Cash dividends to net income (ytd only)* | 75.6048% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 745 |
| Loan loss allowance to noncurrent loans | 225.9789% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 1,603 |
| Noncurrent loans to loans | 0.8351% | 1,678 |
| Net loans and leases to total assets | 76.8510% | 710 |
| Net loans and leases to deposits | 92.8062% | 729 |
| Net loans and leases to core deposits | 98.5800% | 980 |
| Total domestic deposits to total assets | 82.8081% | 3,464 |
| Equity capital to assets | 13.2098% | 1,022 |
| Core capital (leverage) ratio | 12.4826% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,939,400 | 2,678 |
| Average earning assets | $221,733,400 | 2,661 |
| Average equity | $32,901,600 | 2,340 |
| Average total loans | $189,939,600 | 2,327 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,113 |
| Cost of funding earning assets | 0.8355% | 1,333 |
| Net interest margin | 3.4586% | 2,727 |
| Noninterest income to average assets | 0.7960% | 1,512 |
| Noninterest expense to average assets | 1.8021% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7004% | 571 |
| Return on assets (ROA) | 1.7004% | 636 |
| Pretax return on assets | 2.2322% | 318 |
| Return on Equity (ROE) | 12.0913% | 1,342 |
| Retained earnings to average equity (ytd only) | 12.0913% | 413 |
| Net charge-offs to loans | 0.0324% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 85.4130% | 884 |
| Efficiency ratio | 44.6698% | 4,768 |
| Assets per employee ($millions) | 9.8146% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 610 |
| Loan loss allowance to noncurrent loans | 254.0881% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 1,982 |
| Noncurrent loans to loans | 0.7403% | 1,957 |
| Net loans and leases to total assets | 77.2970% | 926 |
| Net loans and leases to deposits | 94.8703% | 855 |
| Net loans and leases to core deposits | 103.2956% | 965 |
| Total domestic deposits to total assets | 81.4765% | 3,543 |
| Equity capital to assets | 14.0742% | 837 |
| Core capital (leverage) ratio | 14.0282% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,680,250 | 2,676 |
| Average earning assets | $219,734,250 | 2,658 |
| Average equity | $33,003,750 | 2,324 |
| Average total loans | $189,256,750 | 2,327 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 1,985 |
| Cost of funding earning assets | 0.8846% | 1,443 |
| Net interest margin | 3.5927% | 2,508 |
| Noninterest income to average assets | 0.6369% | 1,988 |
| Noninterest expense to average assets | 1.6831% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7757% | 526 |
| Return on assets (ROA) | 1.7757% | 576 |
| Pretax return on assets | 2.3313% | 289 |
| Return on Equity (ROE) | 12.6300% | 1,184 |
| Retained earnings to average equity (ytd only) | 12.6300% | 390 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9271% | 4,866 |
| Assets per employee ($millions) | 9.0560% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 541 |
| Loan loss allowance to noncurrent loans | 256.9435% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 1,979 |
| Noncurrent loans to loans | 0.7355% | 2,037 |
| Net loans and leases to total assets | 81.1854% | 478 |
| Net loans and leases to deposits | 100.1047% | 546 |
| Net loans and leases to core deposits | 108.7529% | 783 |
| Total domestic deposits to total assets | 81.1005% | 3,579 |
| Equity capital to assets | 14.2723% | 787 |
| Core capital (leverage) ratio | 13.4523% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,119,000 | 2,674 |
| Average earning assets | $217,276,000 | 2,653 |
| Average equity | $32,494,000 | 2,337 |
| Average total loans | $187,910,667 | 2,325 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 2,084 |
| Cost of funding earning assets | 0.9128% | 1,804 |
| Net interest margin | 3.6605% | 2,471 |
| Noninterest income to average assets | 0.5853% | 2,103 |
| Noninterest expense to average assets | 1.6790% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7733% | 434 |
| Return on assets (ROA) | 1.7733% | 481 |
| Pretax return on assets | 2.3324% | 224 |
| Return on Equity (ROE) | 12.7119% | 934 |
| Retained earnings to average equity (ytd only) | 12.7119% | 348 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8554% | 4,951 |
| Assets per employee ($millions) | 9.1992% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 504 |
| Loan loss allowance to noncurrent loans | 1,014.3251% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 3,892 |
| Noncurrent loans to loans | 0.1966% | 3,773 |
| Net loans and leases to total assets | 75.6608% | 1,360 |
| Net loans and leases to deposits | 93.0540% | 1,175 |
| Net loans and leases to core deposits | 102.2245% | 1,303 |
| Total domestic deposits to total assets | 81.3085% | 3,595 |
| Equity capital to assets | 13.6196% | 1,170 |
| Core capital (leverage) ratio | 14.0326% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,950,500 | 2,639 |
| Average earning assets | $214,288,000 | 2,626 |
| Average equity | $31,938,500 | 2,355 |
| Average total loans | $184,447,000 | 2,315 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 1,409 |
| Cost of funding earning assets | 0.9578% | 1,917 |
| Net interest margin | 4.0689% | 1,627 |
| Noninterest income to average assets | 0.7682% | 1,549 |
| Noninterest expense to average assets | 1.8833% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0481% | 307 |
| Return on assets (ROA) | 2.0500% | 322 |
| Pretax return on assets | 2.6872% | 148 |
| Return on Equity (ROE) | 13.8865% | 921 |
| Retained earnings to average equity (ytd only) | 1.4823% | 4,213 |
| Net charge-offs to loans | -0.0512% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2266% | 5,042 |
| Assets per employee ($millions) | 9.1135% | 486 |
| Cash dividends to net income (ytd only)* | 89.3256% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 458 |
| Loan loss allowance to noncurrent loans | 1,203.2680% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 3,941 |
| Noncurrent loans to loans | 0.1661% | 3,867 |
| Net loans and leases to total assets | 82.5546% | 483 |
| Net loans and leases to deposits | 100.1636% | 597 |
| Net loans and leases to core deposits | 110.1865% | 840 |
| Total domestic deposits to total assets | 82.4198% | 3,391 |
| Equity capital to assets | 14.3113% | 995 |
| Core capital (leverage) ratio | 13.7711% | 986 |
| Tier 1 risk-based capital ratio | 15.0059% | 2,779 |
| Total risk-based capital ratio | 16.2636% | 2,708 |
| Memoranda: | ||
| Average total assets | $218,443,800 | 2,672 |
| Average earning assets | $204,013,200 | 2,669 |
| Average equity | $32,247,200 | 2,290 |
| Average total loans | $181,494,600 | 2,303 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 1,427 |
| Cost of funding earning assets | 0.9473% | 2,002 |
| Net interest margin | 4.0995% | 1,613 |
| Noninterest income to average assets | 0.8481% | 1,283 |
| Noninterest expense to average assets | 1.8653% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1474% | 295 |
| Return on assets (ROA) | 2.1498% | 309 |
| Pretax return on assets | 2.8251% | 144 |
| Return on Equity (ROE) | 14.4521% | 899 |
| Retained earnings to average equity (ytd only) | 14.4521% | 183 |
| Net charge-offs to loans | -0.0686% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7942% | 5,136 |
| Assets per employee ($millions) | 8.4791% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0250% | 442 |
| Loan loss allowance to noncurrent loans | 900.2445% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 3,829 |
| Noncurrent loans to loans | 0.2249% | 3,742 |
| Net loans and leases to total assets | 80.8093% | 731 |
| Net loans and leases to deposits | 99.5674% | 674 |
| Net loans and leases to core deposits | 108.4912% | 1,021 |
| Total domestic deposits to total assets | 81.1604% | 3,705 |
| Equity capital to assets | 15.5691% | 718 |
| Core capital (leverage) ratio | 15.4998% | 643 |
| Tier 1 risk-based capital ratio | 16.7262% | 2,177 |
| Total risk-based capital ratio | 17.9841% | 2,115 |
| Memoranda: | ||
| Average total assets | $218,374,000 | 2,701 |
| Average earning assets | $204,508,250 | 2,681 |
| Average equity | $32,483,500 | 2,283 |
| Average total loans | $180,806,250 | 2,329 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 1,218 |
| Cost of funding earning assets | 0.9332% | 1,988 |
| Net interest margin | 4.1680% | 1,437 |
| Noninterest income to average assets | 0.8388% | 1,226 |
| Noninterest expense to average assets | 1.8495% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2033% | 268 |
| Return on assets (ROA) | 2.2069% | 277 |
| Pretax return on assets | 2.9006% | 139 |
| Return on Equity (ROE) | 15.0736% | 744 |
| Retained earnings to average equity (ytd only) | 15.0736% | 167 |
| Net charge-offs to loans | -0.1031% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9739% | 5,182 |
| Assets per employee ($millions) | 8.2463% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 429 |
| Loan loss allowance to noncurrent loans | 734.9301% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,635 |
| Noncurrent loans to loans | 0.2789% | 3,536 |
| Net loans and leases to total assets | 82.0610% | 603 |
| Net loans and leases to deposits | 101.0737% | 604 |
| Net loans and leases to core deposits | 112.4640% | 849 |
| Total domestic deposits to total assets | 81.1893% | 3,753 |
| Equity capital to assets | 15.4778% | 713 |
| Core capital (leverage) ratio | 14.4860% | 825 |
| Tier 1 risk-based capital ratio | 16.3575% | 2,285 |
| Total risk-based capital ratio | 17.6155% | 2,223 |
| Memoranda: | ||
| Average total assets | $217,680,000 | 2,713 |
| Average earning assets | $204,032,670 | 2,693 |
| Average equity | $31,870,330 | 2,308 |
| Average total loans | $180,464,670 | 2,338 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 1,035 |
| Cost of funding earning assets | 0.8369% | 2,341 |
| Net interest margin | 4.2959% | 1,099 |
| Noninterest income to average assets | 0.5909% | 2,091 |
| Noninterest expense to average assets | 1.7162% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1960% | 273 |
| Return on assets (ROA) | 2.2032% | 281 |
| Pretax return on assets | 2.8999% | 142 |
| Return on Equity (ROE) | 15.4807% | 665 |
| Retained earnings to average equity (ytd only) | 15.4807% | 245 |
| Net charge-offs to loans | -0.1128% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2526% | 5,251 |
| Assets per employee ($millions) | 9.1795% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 504 |
| Loan loss allowance to noncurrent loans | 2,476.1905% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,486 |
| Noncurrent loans to loans | 0.0807% | 4,399 |
| Net loans and leases to total assets | 81.0424% | 707 |
| Net loans and leases to deposits | 97.5730% | 832 |
| Net loans and leases to core deposits | 110.5187% | 900 |
| Total domestic deposits to total assets | 83.0583% | 3,363 |
| Equity capital to assets | 14.4720% | 886 |
| Core capital (leverage) ratio | 14.2323% | 887 |
| Tier 1 risk-based capital ratio | 15.5649% | 2,623 |
| Total risk-based capital ratio | 16.8225% | 2,541 |
| Memoranda: | ||
| Average total assets | $219,318,000 | 2,728 |
| Average earning assets | $205,031,000 | 2,716 |
| Average equity | $31,213,000 | 2,344 |
| Average total loans | $180,885,000 | 2,362 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 2,170 |
| Cost of funding earning assets | 0.5812% | 2,846 |
| Net interest margin | 4.0042% | 1,974 |
| Noninterest income to average assets | 0.7252% | 1,750 |
| Noninterest expense to average assets | 1.8760% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0156% | 350 |
| Return on assets (ROA) | 2.0123% | 348 |
| Pretax return on assets | 2.5967% | 173 |
| Return on Equity (ROE) | 14.2988% | 982 |
| Retained earnings to average equity (ytd only) | 4.5452% | 3,025 |
| Net charge-offs to loans | 0.0457% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 69.3171% | 940 |
| Efficiency ratio | 41.9052% | 5,245 |
| Assets per employee ($millions) | 9.0970% | 450 |
| Cash dividends to net income (ytd only)* | 68.2128% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 470 |
| Loan loss allowance to noncurrent loans | 160.5817% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 1,321 |
| Noncurrent loans to loans | 1.2445% | 1,279 |
| Net loans and leases to total assets | 80.6117% | 849 |
| Net loans and leases to deposits | 96.6114% | 1,016 |
| Net loans and leases to core deposits | 106.2950% | 1,252 |
| Total domestic deposits to total assets | 83.4391% | 3,177 |
| Equity capital to assets | 13.9895% | 973 |
| Core capital (leverage) ratio | 13.5198% | 1,072 |
| Tier 1 risk-based capital ratio | 15.0264% | 2,823 |
| Total risk-based capital ratio | 16.2839% | 2,751 |
| Memoranda: | ||
| Average total assets | $218,550,600 | 2,704 |
| Average earning assets | $204,759,800 | 2,683 |
| Average equity | $30,757,800 | 2,298 |
| Average total loans | $179,259,800 | 2,342 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,297 |
| Cost of funding earning assets | 0.5335% | 2,970 |
| Net interest margin | 3.9682% | 2,059 |
| Noninterest income to average assets | 0.7886% | 1,510 |
| Noninterest expense to average assets | 1.8230% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0516% | 339 |
| Return on assets (ROA) | 2.0511% | 338 |
| Pretax return on assets | 2.6940% | 168 |
| Return on Equity (ROE) | 14.5527% | 969 |
| Retained earnings to average equity (ytd only) | 14.5527% | 199 |
| Net charge-offs to loans | 0.0439% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 74.8858% | 914 |
| Efficiency ratio | 40.3537% | 5,324 |
| Assets per employee ($millions) | 9.0419% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 442 |
| Loan loss allowance to noncurrent loans | 160.5333% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0368% | 1,401 |
| Noncurrent loans to loans | 1.2785% | 1,319 |
| Net loans and leases to total assets | 79.4347% | 1,101 |
| Net loans and leases to deposits | 95.2886% | 1,233 |
| Net loans and leases to core deposits | 104.7044% | 1,401 |
| Total domestic deposits to total assets | 83.3622% | 3,179 |
| Equity capital to assets | 14.9374% | 736 |
| Core capital (leverage) ratio | 14.4185% | 842 |
| Tier 1 risk-based capital ratio | 15.9954% | 2,454 |
| Total risk-based capital ratio | 17.2529% | 2,385 |
| Memoranda: | ||
| Average total assets | $218,606,250 | 2,718 |
| Average earning assets | $205,429,000 | 2,689 |
| Average equity | $30,811,500 | 2,296 |
| Average total loans | $179,178,000 | 2,353 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 2,277 |
| Cost of funding earning assets | 0.4955% | 3,031 |
| Net interest margin | 3.9487% | 2,035 |
| Noninterest income to average assets | 0.7694% | 1,576 |
| Noninterest expense to average assets | 1.7906% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0543% | 335 |
| Return on assets (ROA) | 2.0571% | 329 |
| Pretax return on assets | 2.6987% | 156 |
| Return on Equity (ROE) | 14.8892% | 874 |
| Retained earnings to average equity (ytd only) | 14.8892% | 204 |
| Net charge-offs to loans | 0.0655% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 50.0508% | 1,125 |
| Efficiency ratio | 39.9186% | 5,401 |
| Assets per employee ($millions) | 9.2171% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 477 |
| Loan loss allowance to noncurrent loans | 159.3295% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 1,469 |
| Noncurrent loans to loans | 1.2867% | 1,329 |
| Net loans and leases to total assets | 78.0127% | 1,311 |
| Net loans and leases to deposits | 93.1824% | 1,451 |
| Net loans and leases to core deposits | 101.5321% | 1,600 |
| Total domestic deposits to total assets | 83.7204% | 3,165 |
| Equity capital to assets | 14.1788% | 884 |
| Core capital (leverage) ratio | 14.1901% | 855 |
| Tier 1 risk-based capital ratio | 15.4942% | 2,637 |
| Total risk-based capital ratio | 16.7520% | 2,579 |
| Memoranda: | ||
| Average total assets | $219,139,670 | 2,737 |
| Average earning assets | $206,246,000 | 2,704 |
| Average equity | $30,277,000 | 2,335 |
| Average total loans | $180,240,670 | 2,355 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 2,155 |
| Cost of funding earning assets | 0.4725% | 3,018 |
| Net interest margin | 3.9404% | 1,900 |
| Noninterest income to average assets | 0.6254% | 2,147 |
| Noninterest expense to average assets | 1.7001% | 5,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9972% | 379 |
| Return on assets (ROA) | 1.9972% | 377 |
| Pretax return on assets | 2.6263% | 179 |
| Return on Equity (ROE) | 14.6504% | 865 |
| Retained earnings to average equity (ytd only) | 14.6504% | 351 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2963% | 5,476 |
| Assets per employee ($millions) | 8.9565% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 515 |
| Loan loss allowance to noncurrent loans | 815.7778% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 4,048 |
| Noncurrent loans to loans | 0.2485% | 3,872 |
| Net loans and leases to total assets | 82.5475% | 595 |
| Net loans and leases to deposits | 98.6545% | 815 |
| Net loans and leases to core deposits | 106.9367% | 1,182 |
| Total domestic deposits to total assets | 83.6733% | 3,444 |
| Equity capital to assets | 14.0629% | 879 |
| Core capital (leverage) ratio | 13.5618% | 992 |
| Tier 1 risk-based capital ratio | 14.6372% | 3,056 |
| Total risk-based capital ratio | 15.8948% | 2,960 |
| Memoranda: | ||
| Average total assets | $218,104,500 | 2,777 |
| Average earning assets | $204,851,000 | 2,739 |
| Average equity | $29,733,000 | 2,388 |
| Average total loans | $182,269,000 | 2,346 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 1,731 |
| Cost of funding earning assets | 0.4710% | 2,597 |
| Net interest margin | 4.0212% | 1,685 |
| Noninterest income to average assets | 0.7133% | 1,902 |
| Noninterest expense to average assets | 1.8752% | 5,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4481% | 910 |
| Return on assets (ROA) | 1.4481% | 925 |
| Pretax return on assets | 2.6044% | 154 |
| Return on Equity (ROE) | 10.4487% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.6682% | 3,047 |
| Net charge-offs to loans | 0.0255% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 123.1778% | 547 |
| Efficiency ratio | 41.8607% | 5,497 |
| Assets per employee ($millions) | 7.6294% | 725 |
| Cash dividends to net income (ytd only)* | 64.8929% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 540 |
| Loan loss allowance to noncurrent loans | 801.5284% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,103 |
| Noncurrent loans to loans | 0.2497% | 3,895 |
| Net loans and leases to total assets | 81.2442% | 792 |
| Net loans and leases to deposits | 96.2693% | 1,066 |
| Net loans and leases to core deposits | 104.0477% | 1,412 |
| Total domestic deposits to total assets | 84.3926% | 3,070 |
| Equity capital to assets | 13.2142% | 1,158 |
| Core capital (leverage) ratio | 13.1900% | 1,079 |
| Tier 1 risk-based capital ratio | 13.9412% | 3,394 |
| Total risk-based capital ratio | 15.2057% | 3,295 |
| Memoranda: | ||
| Average total assets | $212,828,600 | 2,794 |
| Average earning assets | $199,343,800 | 2,773 |
| Average equity | $29,496,600 | 2,392 |
| Average total loans | $176,195,600 | 2,370 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 1,670 |
| Cost of funding earning assets | 0.4689% | 2,531 |
| Net interest margin | 4.0226% | 1,621 |
| Noninterest income to average assets | 0.7036% | 1,985 |
| Noninterest expense to average assets | 1.6970% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7603% | 510 |
| Return on assets (ROA) | 1.7603% | 526 |
| Pretax return on assets | 2.7739% | 144 |
| Return on Equity (ROE) | 12.5475% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.5475% | 257 |
| Net charge-offs to loans | 0.0023% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,461.2975% | 63 |
| Efficiency ratio | 37.9564% | 5,618 |
| Assets per employee ($millions) | 7.5066% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 477 |
| Loan loss allowance to noncurrent loans | 1,628.5088% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,703 |
| Noncurrent loans to loans | 0.1295% | 4,541 |
| Net loans and leases to total assets | 82.0044% | 685 |
| Net loans and leases to deposits | 99.5972% | 773 |
| Net loans and leases to core deposits | 107.6012% | 1,159 |
| Total domestic deposits to total assets | 82.3360% | 3,676 |
| Equity capital to assets | 14.7594% | 794 |
| Core capital (leverage) ratio | 14.1336% | 857 |
| Tier 1 risk-based capital ratio | 15.3500% | 2,773 |
| Total risk-based capital ratio | 16.6146% | 2,707 |
| Memoranda: | ||
| Average total assets | $210,722,250 | 2,839 |
| Average earning assets | $197,344,750 | 2,820 |
| Average equity | $29,561,500 | 2,405 |
| Average total loans | $174,387,750 | 2,397 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 1,946 |
| Cost of funding earning assets | 0.4543% | 2,564 |
| Net interest margin | 3.9046% | 1,912 |
| Noninterest income to average assets | 0.7084% | 1,949 |
| Noninterest expense to average assets | 1.6785% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7079% | 557 |
| Return on assets (ROA) | 1.7079% | 562 |
| Pretax return on assets | 2.6894% | 157 |
| Return on Equity (ROE) | 12.3888% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.3888% | 285 |
| Net charge-offs to loans | 0.0035% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 945.3333% | 73 |
| Efficiency ratio | 38.4281% | 5,656 |
| Assets per employee ($millions) | 7.4993% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 511 |
| Loan loss allowance to noncurrent loans | 1,573.3051% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,748 |
| Noncurrent loans to loans | 0.1333% | 4,584 |
| Net loans and leases to total assets | 82.5559% | 600 |
| Net loans and leases to deposits | 104.3523% | 474 |
| Net loans and leases to core deposits | 112.6161% | 867 |
| Total domestic deposits to total assets | 79.1127% | 4,600 |
| Equity capital to assets | 14.3029% | 880 |
| Core capital (leverage) ratio | 13.6525% | 954 |
| Tier 1 risk-based capital ratio | 14.8789% | 2,980 |
| Total risk-based capital ratio | 16.1431% | 2,905 |
| Memoranda: | ||
| Average total assets | $210,901,330 | 2,851 |
| Average earning assets | $197,663,330 | 2,831 |
| Average equity | $29,074,670 | 2,432 |
| Average total loans | $173,825,670 | 2,407 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,194 |
| Cost of funding earning assets | 0.4404% | 2,609 |
| Net interest margin | 3.7831% | 2,176 |
| Noninterest income to average assets | 0.5413% | 2,702 |
| Noninterest expense to average assets | 1.5462% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5973% | 681 |
| Return on assets (ROA) | 1.5973% | 698 |
| Pretax return on assets | 2.5227% | 208 |
| Return on Equity (ROE) | 11.8061% | 1,300 |
| Retained earnings to average equity (ytd only) | 11.8061% | 493 |
| Net charge-offs to loans | 0.0070% | 2,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 444.3333% | 126 |
| Efficiency ratio | 38.0000% | 5,726 |
| Assets per employee ($millions) | 7.5960% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 493 |
| Loan loss allowance to noncurrent loans | 729.4695% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 4,265 |
| Noncurrent loans to loans | 0.2983% | 4,048 |
| Net loans and leases to total assets | 78.4895% | 1,063 |
| Net loans and leases to deposits | 93.3495% | 1,181 |
| Net loans and leases to core deposits | 100.3547% | 1,481 |
| Total domestic deposits to total assets | 84.0813% | 3,447 |
| Equity capital to assets | 13.6539% | 1,017 |
| Core capital (leverage) ratio | 13.2854% | 1,043 |
| Tier 1 risk-based capital ratio | 14.4491% | 3,229 |
| Total risk-based capital ratio | 15.7124% | 3,151 |
| Memoranda: | ||
| Average total assets | $211,362,500 | 2,878 |
| Average earning assets | $197,084,500 | 2,860 |
| Average equity | $28,595,500 | 2,472 |
| Average total loans | $172,207,000 | 2,437 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,177 |
| Cost of funding earning assets | 0.4866% | 2,194 |
| Net interest margin | 3.8020% | 2,313 |
| Noninterest income to average assets | 0.7286% | 2,040 |
| Noninterest expense to average assets | 1.7356% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6117% | 658 |
| Return on assets (ROA) | 1.6117% | 684 |
| Pretax return on assets | 2.5513% | 187 |
| Return on Equity (ROE) | 12.1291% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.0402% | 2,316 |
| Net charge-offs to loans | -0.0345% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4856% | 5,774 |
| Assets per employee ($millions) | 7.2427% | 824 |
| Cash dividends to net income (ytd only)* | 58.4454% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1385% | 510 |
| Loan loss allowance to noncurrent loans | 1,615.6522% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 4,874 |
| Noncurrent loans to loans | 0.1324% | 4,704 |
| Net loans and leases to total assets | 80.9606% | 742 |
| Net loans and leases to deposits | 95.8584% | 1,010 |
| Net loans and leases to core deposits | 103.3733% | 1,332 |
| Total domestic deposits to total assets | 84.4585% | 3,248 |
| Equity capital to assets | 13.4028% | 1,088 |
| Core capital (leverage) ratio | 12.6474% | 1,275 |
| Tier 1 risk-based capital ratio | 13.7392% | 3,618 |
| Total risk-based capital ratio | 15.0018% | 3,513 |
| Memoranda: | ||
| Average total assets | $212,321,800 | 2,834 |
| Average earning assets | $198,711,000 | 2,802 |
| Average equity | $28,213,200 | 2,500 |
| Average total loans | $176,690,200 | 2,344 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,156 |
| Cost of funding earning assets | 0.4896% | 2,176 |
| Net interest margin | 3.8122% | 2,287 |
| Noninterest income to average assets | 0.7002% | 2,167 |
| Noninterest expense to average assets | 1.6196% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6791% | 618 |
| Return on assets (ROA) | 1.6791% | 658 |
| Pretax return on assets | 2.6598% | 176 |
| Return on Equity (ROE) | 12.6629% | 1,134 |
| Retained earnings to average equity (ytd only) | 12.6629% | 239 |
| Net charge-offs to loans | -0.0391% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8457% | 5,865 |
| Assets per employee ($millions) | 7.8575% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 592 |
| Loan loss allowance to noncurrent loans | 1,564.1350% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,997 |
| Noncurrent loans to loans | 0.1351% | 4,803 |
| Net loans and leases to total assets | 78.0337% | 1,189 |
| Net loans and leases to deposits | 92.4020% | 1,444 |
| Net loans and leases to core deposits | 99.1064% | 1,717 |
| Total domestic deposits to total assets | 84.4503% | 3,043 |
| Equity capital to assets | 13.4676% | 1,260 |
| Core capital (leverage) ratio | 13.2078% | 1,106 |
| Tier 1 risk-based capital ratio | 14.3039% | 3,392 |
| Total risk-based capital ratio | 15.5651% | 3,319 |
| Memoranda: | ||
| Average total assets | $212,892,750 | 2,841 |
| Average earning assets | $199,877,500 | 2,806 |
| Average equity | $28,228,750 | 2,518 |
| Average total loans | $177,421,750 | 2,339 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,026 |
| Cost of funding earning assets | 0.4995% | 2,105 |
| Net interest margin | 3.8384% | 2,177 |
| Noninterest income to average assets | 0.6403% | 2,415 |
| Noninterest expense to average assets | 1.5761% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6910% | 589 |
| Return on assets (ROA) | 1.6910% | 625 |
| Pretax return on assets | 2.6781% | 173 |
| Return on Equity (ROE) | 12.8234% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.8234% | 245 |
| Net charge-offs to loans | -0.0303% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0478% | 5,958 |
| Assets per employee ($millions) | 7.3990% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 652 |
| Loan loss allowance to noncurrent loans | 1,496.7480% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 5,037 |
| Noncurrent loans to loans | 0.1381% | 4,883 |
| Net loans and leases to total assets | 84.2290% | 402 |
| Net loans and leases to deposits | 100.3618% | 668 |
| Net loans and leases to core deposits | 108.8931% | 988 |
| Total domestic deposits to total assets | 83.9254% | 3,295 |
| Equity capital to assets | 13.8696% | 1,068 |
| Core capital (leverage) ratio | 12.9903% | 1,151 |
| Tier 1 risk-based capital ratio | 13.8370% | 3,702 |
| Total risk-based capital ratio | 15.0975% | 3,614 |
| Memoranda: | ||
| Average total assets | $210,520,330 | 2,880 |
| Average earning assets | $198,208,000 | 2,839 |
| Average equity | $27,761,670 | 2,550 |
| Average total loans | $178,099,330 | 2,332 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,206 |
| Cost of funding earning assets | 0.4914% | 2,167 |
| Net interest margin | 3.7867% | 2,339 |
| Noninterest income to average assets | 0.5297% | 2,936 |
| Noninterest expense to average assets | 1.4911% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6362% | 658 |
| Return on assets (ROA) | 1.6362% | 696 |
| Pretax return on assets | 2.5976% | 207 |
| Return on Equity (ROE) | 12.7294% | 1,096 |
| Retained earnings to average equity (ytd only) | 12.7294% | 417 |
| Net charge-offs to loans | -0.0202% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4684% | 6,022 |
| Assets per employee ($millions) | 7.5796% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 728 |
| Loan loss allowance to noncurrent loans | 1,393.1559% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,077 |
| Noncurrent loans to loans | 0.1487% | 4,875 |
| Net loans and leases to total assets | 81.6250% | 613 |
| Net loans and leases to deposits | 97.5894% | 793 |
| Net loans and leases to core deposits | 105.6473% | 1,096 |
| Total domestic deposits to total assets | 83.6412% | 3,663 |
| Equity capital to assets | 13.0727% | 1,375 |
| Core capital (leverage) ratio | 12.5812% | 1,305 |
| Tier 1 risk-based capital ratio | 13.5582% | 3,947 |
| Total risk-based capital ratio | 14.8191% | 3,872 |
| Memoranda: | ||
| Average total assets | $212,194,500 | 2,865 |
| Average earning assets | $199,436,000 | 2,822 |
| Average equity | $27,275,500 | 2,579 |
| Average total loans | $178,058,500 | 2,334 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,223 |
| Cost of funding earning assets | 0.4647% | 2,487 |
| Net interest margin | 3.8381% | 2,242 |
| Noninterest income to average assets | 0.8119% | 1,741 |
| Noninterest expense to average assets | 1.7993% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6447% | 642 |
| Return on assets (ROA) | 1.6447% | 659 |
| Pretax return on assets | 2.5936% | 178 |
| Return on Equity (ROE) | 13.7559% | 897 |
| Retained earnings to average equity (ytd only) | 13.7559% | 173 |
| Net charge-offs to loans | -0.0321% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9598% | 6,045 |
| Assets per employee ($millions) | 7.5772% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0394% | 755 |
| Loan loss allowance to noncurrent loans | 1,296.0993% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 5,063 |
| Noncurrent loans to loans | 0.1573% | 4,862 |
| Net loans and leases to total assets | 82.7518% | 515 |
| Net loans and leases to deposits | 98.2105% | 801 |
| Net loans and leases to core deposits | 106.1784% | 1,091 |
| Total domestic deposits to total assets | 84.2596% | 3,383 |
| Equity capital to assets | 12.6352% | 1,541 |
| Core capital (leverage) ratio | 11.9479% | 1,653 |
| Tier 1 risk-based capital ratio | 12.8474% | 4,421 |
| Total risk-based capital ratio | 14.1074% | 4,310 |
| Memoranda: | ||
| Average total assets | $210,135,000 | 2,848 |
| Average earning assets | $196,060,400 | 2,818 |
| Average equity | $25,123,800 | 2,679 |
| Average total loans | $177,630,400 | 2,265 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,199 |
| Cost of funding earning assets | 0.4518% | 2,664 |
| Net interest margin | 3.8563% | 2,167 |
| Noninterest income to average assets | 0.8402% | 1,654 |
| Noninterest expense to average assets | 1.7236% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7090% | 611 |
| Return on assets (ROA) | 1.7090% | 639 |
| Pretax return on assets | 2.7158% | 167 |
| Return on Equity (ROE) | 14.5026% | 804 |
| Retained earnings to average equity (ytd only) | 14.5026% | 188 |
| Net charge-offs to loans | -0.0301% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8252% | 6,151 |
| Assets per employee ($millions) | 7.6347% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 799 |
| Loan loss allowance to noncurrent loans | 1,057.5581% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 5,119 |
| Noncurrent loans to loans | 0.1971% | 4,858 |
| Net loans and leases to total assets | 79.9608% | 826 |
| Net loans and leases to deposits | 94.4256% | 1,152 |
| Net loans and leases to core deposits | 102.2296% | 1,365 |
| Total domestic deposits to total assets | 84.6813% | 3,141 |
| Equity capital to assets | 12.2014% | 1,960 |
| Core capital (leverage) ratio | 11.9616% | 1,692 |
| Tier 1 risk-based capital ratio | 12.9500% | 4,455 |
| Total risk-based capital ratio | 14.2102% | 4,374 |
| Memoranda: | ||
| Average total assets | $209,628,500 | 2,874 |
| Average earning assets | $195,657,750 | 2,846 |
| Average equity | $24,703,000 | 2,737 |
| Average total loans | $177,232,500 | 2,280 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,145 |
| Cost of funding earning assets | 0.4365% | 2,890 |
| Net interest margin | 3.8718% | 2,070 |
| Noninterest income to average assets | 0.7587% | 1,958 |
| Noninterest expense to average assets | 1.6509% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7076% | 622 |
| Return on assets (ROA) | 1.7076% | 652 |
| Pretax return on assets | 2.7112% | 185 |
| Return on Equity (ROE) | 14.6682% | 790 |
| Retained earnings to average equity (ytd only) | 14.6682% | 206 |
| Net charge-offs to loans | -0.0236% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8468% | 6,241 |
| Assets per employee ($millions) | 7.2557% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 952 |
| Loan loss allowance to noncurrent loans | 1,008.0780% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 5,161 |
| Noncurrent loans to loans | 0.2006% | 4,968 |
| Net loans and leases to total assets | 86.3221% | 220 |
| Net loans and leases to deposits | 105.2621% | 398 |
| Net loans and leases to core deposits | 115.0282% | 626 |
| Total domestic deposits to total assets | 82.0068% | 4,293 |
| Equity capital to assets | 12.3755% | 1,750 |
| Core capital (leverage) ratio | 11.6624% | 1,871 |
| Tier 1 risk-based capital ratio | 12.1460% | 5,043 |
| Total risk-based capital ratio | 13.4061% | 4,933 |
| Memoranda: | ||
| Average total assets | $208,247,670 | 2,913 |
| Average earning assets | $193,810,330 | 2,891 |
| Average equity | $24,243,000 | 2,781 |
| Average total loans | $178,119,670 | 2,274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,317 |
| Cost of funding earning assets | 0.4122% | 3,167 |
| Net interest margin | 3.8266% | 2,144 |
| Noninterest income to average assets | 0.5958% | 2,672 |
| Noninterest expense to average assets | 1.6054% | 6,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5921% | 717 |
| Return on assets (ROA) | 1.5921% | 754 |
| Pretax return on assets | 2.5314% | 230 |
| Return on Equity (ROE) | 14.1047% | 858 |
| Retained earnings to average equity (ytd only) | 14.1047% | 351 |
| Net charge-offs to loans | -0.0203% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8073% | 6,287 |
| Assets per employee ($millions) | 7.4326% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0449% | 999 |
| Loan loss allowance to noncurrent loans | 964.4385% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 5,260 |
| Noncurrent loans to loans | 0.2120% | 5,021 |
| Net loans and leases to total assets | 80.1588% | 671 |
| Net loans and leases to deposits | 93.7366% | 1,009 |
| Net loans and leases to core deposits | 103.8398% | 1,074 |
| Total domestic deposits to total assets | 85.5149% | 3,169 |
| Equity capital to assets | 11.2408% | 2,708 |
| Core capital (leverage) ratio | 11.1775% | 2,245 |
| Tier 1 risk-based capital ratio | 11.6814% | 5,449 |
| Total risk-based capital ratio | 12.9412% | 5,344 |
| Memoranda: | ||
| Average total assets | $210,791,500 | 2,903 |
| Average earning assets | $195,056,500 | 2,893 |
| Average equity | $23,793,500 | 2,855 |
| Average total loans | $177,684,000 | 2,287 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,573 |
| Cost of funding earning assets | 0.4025% | 3,665 |
| Net interest margin | 3.9069% | 2,213 |
| Noninterest income to average assets | 0.8245% | 1,779 |
| Noninterest expense to average assets | 1.9048% | 5,932 |
| Loan and lease loss provision to assets | 0.1208% | 2,159 |
| Net operating income to assets | 1.5375% | 816 |
| Return on assets (ROA) | 1.5375% | 844 |
| Pretax return on assets | 2.4258% | 219 |
| Return on Equity (ROE) | 13.1316% | 1,107 |
| Retained earnings to average equity (ytd only) | -3.3809% | 6,110 |
| Net charge-offs to loans | -0.0197% | 5,696 |
| Credit loss provision to net charge-offs | -735.2941% | 5,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7904% | 6,353 |
| Assets per employee ($millions) | 7.1047% | 799 |
| Cash dividends to net income (ytd only)* | 125.7466% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 1,094 |
| Loan loss allowance to noncurrent loans | 1,061.3569% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 5,368 |
| Noncurrent loans to loans | 0.1894% | 5,151 |
| Net loans and leases to total assets | 85.1226% | 271 |
| Net loans and leases to deposits | 101.8283% | 521 |
| Net loans and leases to core deposits | 113.3440% | 632 |
| Total domestic deposits to total assets | 83.5942% | 3,884 |
| Equity capital to assets | 11.3368% | 2,575 |
| Core capital (leverage) ratio | 10.8727% | 2,528 |
| Tier 1 risk-based capital ratio | 12.2605% | 5,186 |
| Total risk-based capital ratio | 13.5220% | 5,093 |
| Memoranda: | ||
| Average total assets | $206,901,000 | 2,911 |
| Average earning assets | $192,068,400 | 2,886 |
| Average equity | $24,224,000 | 2,735 |
| Average total loans | $172,723,400 | 2,300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,679 |
| Cost of funding earning assets | 0.3979% | 3,814 |
| Net interest margin | 3.8914% | 2,279 |
| Noninterest income to average assets | 0.8130% | 1,841 |
| Noninterest expense to average assets | 1.7452% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6943% | 623 |
| Return on assets (ROA) | 1.6943% | 650 |
| Pretax return on assets | 2.6883% | 162 |
| Return on Equity (ROE) | 14.3583% | 921 |
| Retained earnings to average equity (ytd only) | -7.4628% | 6,333 |
| Net charge-offs to loans | -0.0210% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3640% | 6,463 |
| Assets per employee ($millions) | 7.6053% | 610 |
| Cash dividends to net income (ytd only)* | 151.9755% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 1,331 |
| Loan loss allowance to noncurrent loans | 957.3066% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 5,536 |
| Noncurrent loans to loans | 0.2047% | 5,287 |
| Net loans and leases to total assets | 78.4962% | 902 |
| Net loans and leases to deposits | 93.1231% | 1,115 |
| Net loans and leases to core deposits | 102.3563% | 1,196 |
| Total domestic deposits to total assets | 84.2929% | 3,642 |
| Equity capital to assets | 10.6979% | 3,306 |
| Core capital (leverage) ratio | 10.4661% | 3,083 |
| Tier 1 risk-based capital ratio | 12.5883% | 5,120 |
| Total risk-based capital ratio | 13.8498% | 5,032 |
| Memoranda: | ||
| Average total assets | $207,117,000 | 2,935 |
| Average earning assets | $192,692,500 | 2,903 |
| Average equity | $24,440,500 | 2,720 |
| Average total loans | $171,158,750 | 2,330 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,582 |
| Cost of funding earning assets | 0.3917% | 3,970 |
| Net interest margin | 3.9085% | 2,127 |
| Noninterest income to average assets | 0.8130% | 1,792 |
| Noninterest expense to average assets | 1.7166% | 6,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7127% | 561 |
| Return on assets (ROA) | 1.7127% | 585 |
| Pretax return on assets | 2.7148% | 154 |
| Return on Equity (ROE) | 14.0596% | 943 |
| Retained earnings to average equity (ytd only) | 14.0596% | 262 |
| Net charge-offs to loans | -0.0210% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7374% | 6,545 |
| Assets per employee ($millions) | 6.4662% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 1,642 |
| Loan loss allowance to noncurrent loans | 905.4348% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 5,609 |
| Noncurrent loans to loans | 0.2070% | 5,399 |
| Net loans and leases to total assets | 84.3092% | 278 |
| Net loans and leases to deposits | 106.8338% | 273 |
| Net loans and leases to core deposits | 119.4444% | 394 |
| Total domestic deposits to total assets | 78.9163% | 5,477 |
| Equity capital to assets | 12.5311% | 1,624 |
| Core capital (leverage) ratio | 12.1087% | 1,599 |
| Tier 1 risk-based capital ratio | 13.9118% | 4,315 |
| Total risk-based capital ratio | 15.1725% | 4,253 |
| Memoranda: | ||
| Average total assets | $205,173,330 | 2,971 |
| Average earning assets | $189,944,670 | 2,951 |
| Average equity | $24,993,670 | 2,661 |
| Average total loans | $171,379,330 | 2,326 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,716 |
| Cost of funding earning assets | 0.3814% | 4,182 |
| Net interest margin | 3.8605% | 2,228 |
| Noninterest income to average assets | 0.8439% | 1,590 |
| Noninterest expense to average assets | 1.6799% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7053% | 572 |
| Return on assets (ROA) | 1.7053% | 587 |
| Pretax return on assets | 2.7117% | 178 |
| Return on Equity (ROE) | 14.2053% | 907 |
| Retained earnings to average equity (ytd only) | 14.2053% | 377 |
| Net charge-offs to loans | -0.0190% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2523% | 6,616 |
| Assets per employee ($millions) | 6.6997% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 1,665 |
| Loan loss allowance to noncurrent loans | 885.8667% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 5,685 |
| Noncurrent loans to loans | 0.2183% | 5,440 |
| Net loans and leases to total assets | 81.1244% | 447 |
| Net loans and leases to deposits | 100.7071% | 409 |
| Net loans and leases to core deposits | 108.6858% | 644 |
| Total domestic deposits to total assets | 80.5548% | 5,369 |
| Equity capital to assets | 12.0337% | 1,844 |
| Core capital (leverage) ratio | 11.8700% | 1,721 |
| Tier 1 risk-based capital ratio | 13.8523% | 4,430 |
| Total risk-based capital ratio | 15.1141% | 4,372 |
| Memoranda: | ||
| Average total assets | $204,301,000 | 3,010 |
| Average earning assets | $187,750,000 | 2,998 |
| Average equity | $24,526,000 | 2,694 |
| Average total loans | $168,177,500 | 2,360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 3,445 |
| Cost of funding earning assets | 0.4267% | 4,360 |
| Net interest margin | 3.7458% | 2,873 |
| Noninterest income to average assets | 0.7787% | 2,173 |
| Noninterest expense to average assets | 1.8854% | 6,208 |
| Loan and lease loss provision to assets | 0.1519% | 2,379 |
| Net operating income to assets | 1.4069% | 1,008 |
| Return on assets (ROA) | 1.4069% | 1,049 |
| Pretax return on assets | 2.2215% | 306 |
| Return on Equity (ROE) | 12.1911% | 1,360 |
| Retained earnings to average equity (ytd only) | 12.1911% | 300 |
| Net charge-offs to loans | 0.1220% | 3,593 |
| Credit loss provision to net charge-offs | 157.8947% | 1,455 |
| Earnings coverage of net charge-offs (x) | 24.6737% | 1,353 |
| Efficiency ratio | 44.2701% | 6,608 |
| Assets per employee ($millions) | 6.0882% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,515 |
| Loan loss allowance to noncurrent loans | 856.3307% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 4,706 |
| Noncurrent loans to loans | 0.2352% | 5,477 |
| Net loans and leases to total assets | 80.2500% | 572 |
| Net loans and leases to deposits | 96.9338% | 677 |
| Net loans and leases to core deposits | 103.1898% | 961 |
| Total domestic deposits to total assets | 82.7884% | 4,615 |
| Equity capital to assets | 11.9750% | 1,824 |
| Core capital (leverage) ratio | 11.8465% | 1,720 |
| Tier 1 risk-based capital ratio | 13.8875% | 4,372 |
| Total risk-based capital ratio | 15.1504% | 4,307 |
| Memoranda: | ||
| Average total assets | $197,520,600 | 3,059 |
| Average earning assets | $183,514,600 | 3,032 |
| Average equity | $22,795,400 | 2,846 |
| Average total loans | $155,725,400 | 2,482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,481 |
| Cost of funding earning assets | 0.4420% | 4,362 |
| Net interest margin | 3.7317% | 2,916 |
| Noninterest income to average assets | 0.8061% | 2,114 |
| Noninterest expense to average assets | 1.8677% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5179% | 869 |
| Return on assets (ROA) | 1.5179% | 917 |
| Pretax return on assets | 2.4127% | 270 |
| Return on Equity (ROE) | 13.2799% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.2799% | 312 |
| Net charge-offs to loans | -0.0243% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6332% | 6,667 |
| Assets per employee ($millions) | 6.2226% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0995% | 1,503 |
| Loan loss allowance to noncurrent loans | 223.2044% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 4,288 |
| Noncurrent loans to loans | 0.9406% | 3,936 |
| Net loans and leases to total assets | 75.6870% | 1,046 |
| Net loans and leases to deposits | 88.0404% | 1,359 |
| Net loans and leases to core deposits | 92.5300% | 1,717 |
| Total domestic deposits to total assets | 85.9685% | 3,267 |
| Equity capital to assets | 11.8313% | 2,025 |
| Core capital (leverage) ratio | 11.5557% | 1,997 |
| Tier 1 risk-based capital ratio | 14.6155% | 4,004 |
| Total risk-based capital ratio | 15.8795% | 3,943 |
| Memoranda: | ||
| Average total assets | $196,673,000 | 3,092 |
| Average earning assets | $183,109,250 | 3,068 |
| Average equity | $22,479,500 | 2,905 |
| Average total loans | $153,520,500 | 2,521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 3,199 |
| Cost of funding earning assets | 0.4604% | 4,305 |
| Net interest margin | 3.7767% | 2,648 |
| Noninterest income to average assets | 0.7342% | 2,479 |
| Noninterest expense to average assets | 1.8034% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5348% | 841 |
| Return on assets (ROA) | 1.5348% | 909 |
| Pretax return on assets | 2.4406% | 292 |
| Return on Equity (ROE) | 13.5897% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.5897% | 333 |
| Net charge-offs to loans | -0.0156% | 5,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4928% | 6,744 |
| Assets per employee ($millions) | 6.0876% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 1,490 |
| Loan loss allowance to noncurrent loans | 204.4501% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 4,154 |
| Noncurrent loans to loans | 1.0597% | 3,813 |
| Net loans and leases to total assets | 76.9533% | 870 |
| Net loans and leases to deposits | 89.8619% | 1,160 |
| Net loans and leases to core deposits | 93.6265% | 1,553 |
| Total domestic deposits to total assets | 85.6351% | 3,562 |
| Equity capital to assets | 12.0556% | 1,879 |
| Core capital (leverage) ratio | 11.4561% | 1,970 |
| Tier 1 risk-based capital ratio | 14.7402% | 3,951 |
| Total risk-based capital ratio | 16.0052% | 3,903 |
| Memoranda: | ||
| Average total assets | $195,856,000 | 3,119 |
| Average earning assets | $182,012,330 | 3,091 |
| Average equity | $22,119,670 | 2,970 |
| Average total loans | $153,379,670 | 2,529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,105 |
| Cost of funding earning assets | 0.4628% | 4,453 |
| Net interest margin | 3.7874% | 2,500 |
| Noninterest income to average assets | 0.5375% | 3,517 |
| Noninterest expense to average assets | 1.7510% | 6,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4341% | 979 |
| Return on assets (ROA) | 1.4341% | 1,055 |
| Pretax return on assets | 2.2826% | 363 |
| Return on Equity (ROE) | 13.1169% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.1169% | 544 |
| Net charge-offs to loans | -0.0231% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4112% | 6,794 |
| Assets per employee ($millions) | 6.1379% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1353% | 1,719 |
| Loan loss allowance to noncurrent loans | 748.9510% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 5,909 |
| Noncurrent loans to loans | 0.2851% | 5,693 |
| Net loans and leases to total assets | 74.9731% | 964 |
| Net loans and leases to deposits | 86.8553% | 1,263 |
| Net loans and leases to core deposits | 90.4594% | 1,658 |
| Total domestic deposits to total assets | 86.3196% | 3,344 |
| Equity capital to assets | 11.2793% | 2,651 |
| Core capital (leverage) ratio | 10.9309% | 2,322 |
| Tier 1 risk-based capital ratio | 14.0309% | 4,484 |
| Total risk-based capital ratio | 15.2964% | 4,434 |
| Memoranda: | ||
| Average total assets | $199,425,500 | 3,102 |
| Average earning assets | $184,082,500 | 3,096 |
| Average equity | $21,804,000 | 3,050 |
| Average total loans | $155,849,500 | 2,515 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 2,746 |
| Cost of funding earning assets | 0.5970% | 4,387 |
| Net interest margin | 4.0656% | 2,131 |
| Noninterest income to average assets | 0.8252% | 2,155 |
| Noninterest expense to average assets | 1.9739% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6171% | 735 |
| Return on assets (ROA) | 1.6171% | 811 |
| Pretax return on assets | 2.6092% | 218 |
| Return on Equity (ROE) | 14.1649% | 963 |
| Retained earnings to average equity (ytd only) | 0.7130% | 5,513 |
| Net charge-offs to loans | -0.0563% | 6,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0694% | 6,874 |
| Assets per employee ($millions) | 5.9541% | 1,315 |
| Cash dividends to net income (ytd only)* | 94.9668% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 2,046 |
| Loan loss allowance to noncurrent loans | 500.6250% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 5,726 |
| Noncurrent loans to loans | 0.3970% | 5,500 |
| Net loans and leases to total assets | 78.0609% | 670 |
| Net loans and leases to deposits | 90.2799% | 1,054 |
| Net loans and leases to core deposits | 94.4211% | 1,431 |
| Total domestic deposits to total assets | 86.4655% | 3,117 |
| Equity capital to assets | 10.5978% | 3,399 |
| Core capital (leverage) ratio | 10.2844% | 3,032 |
| Tier 1 risk-based capital ratio | 12.4288% | 5,523 |
| Total risk-based capital ratio | 13.6913% | 5,469 |
| Memoranda: | ||
| Average total assets | $195,346,200 | 3,105 |
| Average earning assets | $180,564,200 | 3,082 |
| Average equity | $22,301,600 | 2,939 |
| Average total loans | $159,895,600 | 2,434 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 2,819 |
| Cost of funding earning assets | 0.6134% | 4,508 |
| Net interest margin | 4.0832% | 2,154 |
| Noninterest income to average assets | 0.8500% | 2,034 |
| Noninterest expense to average assets | 1.9362% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7123% | 667 |
| Return on assets (ROA) | 1.7123% | 738 |
| Pretax return on assets | 2.7104% | 212 |
| Return on Equity (ROE) | 14.7226% | 950 |
| Retained earnings to average equity (ytd only) | 14.7226% | 253 |
| Net charge-offs to loans | -0.0418% | 6,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6691% | 6,974 |
| Assets per employee ($millions) | 6.3872% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 2,247 |
| Loan loss allowance to noncurrent loans | 252.9177% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,143 |
| Noncurrent loans to loans | 0.7806% | 4,850 |
| Net loans and leases to total assets | 76.8644% | 861 |
| Net loans and leases to deposits | 93.4359% | 832 |
| Net loans and leases to core deposits | 97.3075% | 1,311 |
| Total domestic deposits to total assets | 82.2644% | 4,929 |
| Equity capital to assets | 11.6385% | 2,609 |
| Core capital (leverage) ratio | 11.6259% | 1,890 |
| Tier 1 risk-based capital ratio | 14.0811% | 4,469 |
| Total risk-based capital ratio | 15.3376% | 4,424 |
| Memoranda: | ||
| Average total assets | $193,573,250 | 3,167 |
| Average earning assets | $179,987,250 | 3,120 |
| Average equity | $22,513,500 | 2,933 |
| Average total loans | $159,562,250 | 2,458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 2,652 |
| Cost of funding earning assets | 0.6298% | 4,626 |
| Net interest margin | 4.1369% | 1,949 |
| Noninterest income to average assets | 0.8759% | 1,876 |
| Noninterest expense to average assets | 1.9803% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7371% | 625 |
| Return on assets (ROA) | 1.7371% | 702 |
| Pretax return on assets | 2.7478% | 206 |
| Return on Equity (ROE) | 14.9398% | 948 |
| Retained earnings to average equity (ytd only) | 14.9398% | 284 |
| Net charge-offs to loans | -0.0628% | 6,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8838% | 7,023 |
| Assets per employee ($millions) | 5.5157% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9682% | 2,317 |
| Loan loss allowance to noncurrent loans | 428.1461% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 5,797 |
| Noncurrent loans to loans | 0.4597% | 5,615 |
| Net loans and leases to total assets | 84.0338% | 213 |
| Net loans and leases to deposits | 99.6012% | 439 |
| Net loans and leases to core deposits | 104.3939% | 831 |
| Total domestic deposits to total assets | 84.3703% | 4,157 |
| Equity capital to assets | 12.2303% | 1,988 |
| Core capital (leverage) ratio | 11.4076% | 1,965 |
| Tier 1 risk-based capital ratio | 13.7101% | 4,655 |
| Total risk-based capital ratio | 14.9722% | 4,619 |
| Memoranda: | ||
| Average total assets | $189,967,330 | 3,216 |
| Average earning assets | $176,894,330 | 3,178 |
| Average equity | $22,088,670 | 2,976 |
| Average total loans | $159,327,000 | 2,471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 3,030 |
| Cost of funding earning assets | 0.6533% | 4,697 |
| Net interest margin | 4.0528% | 2,285 |
| Noninterest income to average assets | 0.6737% | 2,793 |
| Noninterest expense to average assets | 1.8851% | 6,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6382% | 810 |
| Return on assets (ROA) | 1.6382% | 904 |
| Pretax return on assets | 2.5525% | 310 |
| Return on Equity (ROE) | 14.4565% | 1,090 |
| Retained earnings to average equity (ytd only) | 14.4565% | 516 |
| Net charge-offs to loans | -0.0252% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4800% | 7,043 |
| Assets per employee ($millions) | 6.1375% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 2,312 |
| Loan loss allowance to noncurrent loans | 432.0885% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 5,964 |
| Noncurrent loans to loans | 0.4663% | 5,742 |
| Net loans and leases to total assets | 77.3583% | 653 |
| Net loans and leases to deposits | 90.6699% | 906 |
| Net loans and leases to core deposits | 96.0804% | 1,291 |
| Total domestic deposits to total assets | 85.3187% | 3,874 |
| Equity capital to assets | 11.2312% | 2,692 |
| Core capital (leverage) ratio | 11.2218% | 2,094 |
| Tier 1 risk-based capital ratio | 13.6461% | 4,718 |
| Total risk-based capital ratio | 14.9082% | 4,695 |
| Memoranda: | ||
| Average total assets | $191,184,000 | 3,218 |
| Average earning assets | $177,555,500 | 3,180 |
| Average equity | $21,665,000 | 3,014 |
| Average total loans | $158,612,500 | 2,501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 1,930 |
| Cost of funding earning assets | 0.7932% | 4,915 |
| Net interest margin | 4.4421% | 1,282 |
| Noninterest income to average assets | 0.8096% | 2,007 |
| Noninterest expense to average assets | 2.1106% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8114% | 451 |
| Return on assets (ROA) | 1.8114% | 484 |
| Pretax return on assets | 2.8351% | 145 |
| Return on Equity (ROE) | 16.4686% | 541 |
| Retained earnings to average equity (ytd only) | 16.4686% | 90 |
| Net charge-offs to loans | 0.4074% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.8498% | 2,246 |
| Efficiency ratio | 42.6747% | 7,156 |
| Assets per employee ($millions) | 5.9990% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 2,505 |
| Loan loss allowance to noncurrent loans | 339.9563% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,737 |
| Noncurrent loans to loans | 0.5648% | 5,583 |
| Net loans and leases to total assets | 85.5282% | 145 |
| Net loans and leases to deposits | 100.3179% | 442 |
| Net loans and leases to core deposits | 106.8358% | 764 |
| Total domestic deposits to total assets | 85.2572% | 3,718 |
| Equity capital to assets | 11.4385% | 2,557 |
| Core capital (leverage) ratio | 10.9035% | 2,346 |
| Tier 1 risk-based capital ratio | 12.4605% | 5,485 |
| Total risk-based capital ratio | 13.7206% | 5,457 |
| Memoranda: | ||
| Average total assets | $178,862,800 | 3,352 |
| Average earning assets | $166,543,200 | 3,301 |
| Average equity | $19,673,800 | 3,191 |
| Average total loans | $158,558,400 | 2,519 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 1,919 |
| Cost of funding earning assets | 0.8166% | 5,039 |
| Net interest margin | 4.4693% | 1,219 |
| Noninterest income to average assets | 0.7913% | 2,098 |
| Noninterest expense to average assets | 1.9696% | 6,753 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9252% | 407 |
| Return on assets (ROA) | 1.9252% | 440 |
| Pretax return on assets | 2.9921% | 139 |
| Return on Equity (ROE) | 17.6881% | 489 |
| Retained earnings to average equity (ytd only) | 17.6881% | 121 |
| Net charge-offs to loans | 0.2926% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.4856% | 1,804 |
| Efficiency ratio | 39.6965% | 7,267 |
| Assets per employee ($millions) | 5.8504% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1564% | 1,948 |
| Loan loss allowance to noncurrent loans | 226.6932% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 5,162 |
| Noncurrent loans to loans | 0.9512% | 4,983 |
| Net loans and leases to total assets | 82.7427% | 307 |
| Net loans and leases to deposits | 98.3255% | 561 |
| Net loans and leases to core deposits | 105.8144% | 878 |
| Total domestic deposits to total assets | 84.1518% | 4,156 |
| Equity capital to assets | 11.0002% | 3,144 |
| Core capital (leverage) ratio | 10.8404% | 2,531 |
| Tier 1 risk-based capital ratio | 12.4791% | 5,502 |
| Total risk-based capital ratio | 13.7431% | 5,487 |
| Memoranda: | ||
| Average total assets | $177,086,250 | 3,393 |
| Average earning assets | $165,243,250 | 3,333 |
| Average equity | $19,274,250 | 3,248 |
| Average total loans | $157,655,500 | 2,553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 1,688 |
| Cost of funding earning assets | 0.8334% | 5,175 |
| Net interest margin | 4.5267% | 1,065 |
| Noninterest income to average assets | 0.6033% | 3,119 |
| Noninterest expense to average assets | 1.9596% | 6,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8548% | 439 |
| Return on assets (ROA) | 1.8548% | 467 |
| Pretax return on assets | 2.8772% | 152 |
| Return on Equity (ROE) | 17.1071% | 539 |
| Retained earnings to average equity (ytd only) | 17.1071% | 163 |
| Net charge-offs to loans | 0.4459% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.1197% | 2,268 |
| Efficiency ratio | 40.5142% | 7,328 |
| Assets per employee ($millions) | 5.4055% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,950 |
| Loan loss allowance to noncurrent loans | 218.5256% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 4,949 |
| Noncurrent loans to loans | 1.0008% | 4,998 |
| Net loans and leases to total assets | 88.1469% | 77 |
| Net loans and leases to deposits | 104.2543% | 312 |
| Net loans and leases to core deposits | 112.1010% | 646 |
| Total domestic deposits to total assets | 84.5499% | 4,097 |
| Equity capital to assets | 11.3594% | 2,635 |
| Core capital (leverage) ratio | 10.6621% | 2,559 |
| Tier 1 risk-based capital ratio | 12.0455% | 5,751 |
| Total risk-based capital ratio | 13.3098% | 5,707 |
| Memoranda: | ||
| Average total assets | $173,710,330 | 3,474 |
| Average earning assets | $162,457,330 | 3,395 |
| Average equity | $18,834,330 | 3,285 |
| Average total loans | $157,434,000 | 2,574 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 1,563 |
| Cost of funding earning assets | 0.8402% | 5,331 |
| Net interest margin | 4.5575% | 942 |
| Noninterest income to average assets | 0.5446% | 3,546 |
| Noninterest expense to average assets | 1.8980% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8704% | 426 |
| Return on assets (ROA) | 1.8704% | 448 |
| Pretax return on assets | 2.9090% | 157 |
| Return on Equity (ROE) | 17.6697% | 509 |
| Retained earnings to average equity (ytd only) | 17.6697% | 252 |
| Net charge-offs to loans | 0.7635% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.1921% | 2,545 |
| Efficiency ratio | 39.4837% | 7,401 |
| Assets per employee ($millions) | 5.4068% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,945 |
| Loan loss allowance to noncurrent loans | 190.8389% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.0473% | 4,825 |
| Noncurrent loans to loans | 1.1576% | 4,764 |
| Net loans and leases to total assets | 88.4751% | 70 |
| Net loans and leases to deposits | 102.7183% | 356 |
| Net loans and leases to core deposits | 111.0106% | 684 |
| Total domestic deposits to total assets | 86.1337% | 3,441 |
| Equity capital to assets | 10.8839% | 2,792 |
| Core capital (leverage) ratio | 10.1340% | 2,992 |
| Tier 1 risk-based capital ratio | 11.5290% | 6,078 |
| Total risk-based capital ratio | 12.7905% | 6,051 |
| Memoranda: | ||
| Average total assets | $174,077,500 | 3,484 |
| Average earning assets | $162,809,000 | 3,408 |
| Average equity | $18,427,000 | 3,337 |
| Average total loans | $158,210,000 | 2,589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 2,305 |
| Cost of funding earning assets | 1.1718% | 4,717 |
| Net interest margin | 4.3241% | 1,736 |
| Noninterest income to average assets | 0.8439% | 2,085 |
| Noninterest expense to average assets | 2.1778% | 6,676 |
| Loan and lease loss provision to assets | 1.0185% | 1,593 |
| Net operating income to assets | 1.1168% | 1,652 |
| Return on assets (ROA) | 1.1168% | 1,734 |
| Pretax return on assets | 1.7023% | 936 |
| Return on Equity (ROE) | 9.7746% | 2,010 |
| Retained earnings to average equity (ytd only) | -5.5061% | 6,346 |
| Net charge-offs to loans | 0.3633% | 4,205 |
| Credit loss provision to net charge-offs | 319.3431% | 814 |
| Earnings coverage of net charge-offs (x) | 8.5310% | 1,960 |
| Efficiency ratio | 44.4576% | 7,400 |
| Assets per employee ($millions) | 5.4731% | 1,614 |
| Cash dividends to net income (ytd only)* | 156.3314% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3517% | 1,614 |
| Loan loss allowance to noncurrent loans | 203.0238% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 4,891 |
| Noncurrent loans to loans | 1.1583% | 4,789 |
| Net loans and leases to total assets | 89.1440% | 73 |
| Net loans and leases to deposits | 110.6720% | 224 |
| Net loans and leases to core deposits | 118.5027% | 574 |
| Total domestic deposits to total assets | 80.5479% | 5,668 |
| Equity capital to assets | 10.2907% | 3,395 |
| Core capital (leverage) ratio | 9.5340% | 3,667 |
| Tier 1 risk-based capital ratio | 10.7463% | 6,531 |
| Total risk-based capital ratio | 12.0072% | 6,494 |
| Memoranda: | ||
| Average total assets | $171,826,400 | 3,502 |
| Average earning assets | $161,120,600 | 3,428 |
| Average equity | $19,632,600 | 3,200 |
| Average total loans | $150,842,000 | 2,761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 2,403 |
| Cost of funding earning assets | 1.2305% | 4,685 |
| Net interest margin | 4.2762% | 1,931 |
| Noninterest income to average assets | 0.8171% | 2,143 |
| Noninterest expense to average assets | 2.0475% | 6,964 |
| Loan and lease loss provision to assets | 0.5848% | 2,596 |
| Net operating income to assets | 1.4245% | 1,064 |
| Return on assets (ROA) | 1.4245% | 1,133 |
| Pretax return on assets | 2.2004% | 409 |
| Return on Equity (ROE) | 12.1584% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.1584% | 443 |
| Net charge-offs to loans | 0.4029% | 3,676 |
| Credit loss provision to net charge-offs | 167.0379% | 2,231 |
| Earnings coverage of net charge-offs (x) | 7.9555% | 2,231 |
| Efficiency ratio | 42.3685% | 7,515 |
| Assets per employee ($millions) | 5.4828% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,467 |
| Loan loss allowance to noncurrent loans | 149.2950% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 4,929 |
| Noncurrent loans to loans | 1.2768% | 4,720 |
| Net loans and leases to total assets | 83.8562% | 339 |
| Net loans and leases to deposits | 100.7761% | 603 |
| Net loans and leases to core deposits | 107.9595% | 1,165 |
| Total domestic deposits to total assets | 83.2104% | 4,498 |
| Equity capital to assets | 11.9392% | 2,196 |
| Core capital (leverage) ratio | 11.4144% | 1,999 |
| Tier 1 risk-based capital ratio | 13.3735% | 4,294 |
| Total risk-based capital ratio | 14.6330% | 4,254 |
| Memoranda: | ||
| Average total assets | $170,998,500 | 3,562 |
| Average earning assets | $160,576,000 | 3,487 |
| Average equity | $20,035,000 | 3,190 |
| Average total loans | $148,581,250 | 2,834 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 2,300 |
| Cost of funding earning assets | 1.2702% | 4,714 |
| Net interest margin | 4.2874% | 1,832 |
| Noninterest income to average assets | 0.7869% | 2,189 |
| Noninterest expense to average assets | 2.0411% | 7,028 |
| Loan and lease loss provision to assets | 0.8849% | 1,646 |
| Net operating income to assets | 1.2353% | 1,462 |
| Return on assets (ROA) | 1.2353% | 1,526 |
| Pretax return on assets | 1.9031% | 729 |
| Return on Equity (ROE) | 10.6127% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.6127% | 727 |
| Net charge-offs to loans | 0.6765% | 2,526 |
| Credit loss provision to net charge-offs | 149.7006% | 2,630 |
| Earnings coverage of net charge-offs (x) | 4.7166% | 2,870 |
| Efficiency ratio | 42.2673% | 7,577 |
| Assets per employee ($millions) | 5.2077% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 2,369 |
| Loan loss allowance to noncurrent loans | 143.7276% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 4,796 |
| Noncurrent loans to loans | 1.3353% | 4,719 |
| Net loans and leases to total assets | 86.0844% | 226 |
| Net loans and leases to deposits | 105.8403% | 401 |
| Net loans and leases to core deposits | 115.2848% | 869 |
| Total domestic deposits to total assets | 81.3342% | 5,278 |
| Equity capital to assets | 12.1070% | 2,039 |
| Core capital (leverage) ratio | 11.2110% | 2,094 |
| Tier 1 risk-based capital ratio | 13.1734% | 4,302 |
| Total risk-based capital ratio | 14.4299% | 4,257 |
| Memoranda: | ||
| Average total assets | $169,515,330 | 3,605 |
| Average earning assets | $159,817,670 | 3,518 |
| Average equity | $19,731,000 | 3,208 |
| Average total loans | $148,114,000 | 2,868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 2,498 |
| Cost of funding earning assets | 1.2894% | 4,878 |
| Net interest margin | 4.2301% | 1,930 |
| Noninterest income to average assets | 0.5475% | 3,666 |
| Noninterest expense to average assets | 1.8976% | 7,334 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6964% | 620 |
| Return on assets (ROA) | 1.6964% | 672 |
| Pretax return on assets | 2.6417% | 199 |
| Return on Equity (ROE) | 14.8653% | 904 |
| Retained earnings to average equity (ytd only) | 14.8653% | 427 |
| Net charge-offs to loans | 0.0054% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 564.5000% | 42 |
| Efficiency ratio | 41.8041% | 7,685 |
| Assets per employee ($millions) | 5.4130% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 3,084 |
| Loan loss allowance to noncurrent loans | 108.8123% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3561% | 4,482 |
| Noncurrent loans to loans | 1.5571% | 4,407 |
| Net loans and leases to total assets | 85.6156% | 240 |
| Net loans and leases to deposits | 111.6271% | 259 |
| Net loans and leases to core deposits | 115.7942% | 954 |
| Total domestic deposits to total assets | 76.6979% | 6,625 |
| Equity capital to assets | 11.4678% | 2,386 |
| Core capital (leverage) ratio | 11.0954% | 2,164 |
| Tier 1 risk-based capital ratio | 12.5762% | 4,665 |
| Total risk-based capital ratio | 13.8324% | 4,623 |
| Memoranda: | ||
| Average total assets | $170,949,500 | 3,643 |
| Average earning assets | $161,320,000 | 3,539 |
| Average equity | $19,508,500 | 3,262 |
| Average total loans | $149,039,000 | 2,917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 3,103 |
| Cost of funding earning assets | 1.7144% | 4,434 |
| Net interest margin | 3.9868% | 2,909 |
| Noninterest income to average assets | 0.8703% | 2,075 |
| Noninterest expense to average assets | 2.0459% | 7,286 |
| Loan and lease loss provision to assets | 0.7085% | 2,994 |
| Net operating income to assets | 1.2098% | 1,224 |
| Return on assets (ROA) | 1.2098% | 1,271 |
| Pretax return on assets | 1.8493% | 573 |
| Return on Equity (ROE) | 11.1987% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.1987% | 274 |
| Net charge-offs to loans | 0.3970% | 4,233 |
| Credit loss provision to net charge-offs | 203.3898% | 1,906 |
| Earnings coverage of net charge-offs (x) | 7.3424% | 2,173 |
| Efficiency ratio | 44.4402% | 7,767 |
| Assets per employee ($millions) | 5.4414% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 2,755 |
| Loan loss allowance to noncurrent loans | 282.3400% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,109 |
| Noncurrent loans to loans | 0.6154% | 6,015 |
| Net loans and leases to total assets | 85.7609% | 297 |
| Net loans and leases to deposits | 108.3268% | 442 |
| Net loans and leases to core deposits | 125.5622% | 1,548 |
| Total domestic deposits to total assets | 79.1686% | 5,937 |
| Equity capital to assets | 11.3544% | 2,430 |
| Core capital (leverage) ratio | 10.5063% | 2,600 |
| Tier 1 risk-based capital ratio | 12.2437% | 4,728 |
| Total risk-based capital ratio | 13.5001% | 4,684 |
| Memoranda: | ||
| Average total assets | $169,360,400 | 3,628 |
| Average earning assets | $158,598,000 | 3,543 |
| Average equity | $18,296,800 | 3,466 |
| Average total loans | $148,632,200 | 2,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7177% | 3,252 |
| Cost of funding earning assets | 1.7864% | 4,437 |
| Net interest margin | 3.9313% | 3,116 |
| Noninterest income to average assets | 0.9092% | 1,943 |
| Noninterest expense to average assets | 2.0527% | 7,280 |
| Loan and lease loss provision to assets | 0.3146% | 4,458 |
| Net operating income to assets | 1.4023% | 1,027 |
| Return on assets (ROA) | 1.4023% | 1,091 |
| Pretax return on assets | 2.2163% | 331 |
| Return on Equity (ROE) | 13.1466% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.1466% | 250 |
| Net charge-offs to loans | 0.3777% | 3,764 |
| Credit loss provision to net charge-offs | 94.7867% | 5,347 |
| Earnings coverage of net charge-offs (x) | 7.6256% | 2,378 |
| Efficiency ratio | 44.7838% | 7,813 |
| Assets per employee ($millions) | 5.2898% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,409 |
| Loan loss allowance to noncurrent loans | 166.8977% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 5,783 |
| Noncurrent loans to loans | 0.7880% | 5,723 |
| Net loans and leases to total assets | 85.3800% | 398 |
| Net loans and leases to deposits | 107.7041% | 573 |
| Net loans and leases to core deposits | 123.2345% | 1,974 |
| Total domestic deposits to total assets | 79.2728% | 5,700 |
| Equity capital to assets | 11.1664% | 2,858 |
| Core capital (leverage) ratio | 10.4069% | 2,874 |
| Tier 1 risk-based capital ratio | 12.1002% | 4,876 |
| Total risk-based capital ratio | 13.3512% | 4,826 |
| Memoranda: | ||
| Average total assets | $169,529,750 | 3,637 |
| Average earning assets | $158,451,250 | 3,570 |
| Average equity | $18,082,750 | 3,522 |
| Average total loans | $148,984,750 | 2,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7822% | 3,128 |
| Cost of funding earning assets | 1.8670% | 4,435 |
| Net interest margin | 3.9152% | 3,039 |
| Noninterest income to average assets | 0.9634% | 1,718 |
| Noninterest expense to average assets | 2.0564% | 7,363 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5989% | 683 |
| Return on assets (ROA) | 1.5989% | 748 |
| Pretax return on assets | 2.5517% | 193 |
| Return on Equity (ROE) | 15.2277% | 797 |
| Retained earnings to average equity (ytd only) | 15.2277% | 197 |
| Net charge-offs to loans | 0.0133% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 216.4000% | 192 |
| Efficiency ratio | 44.6264% | 7,904 |
| Assets per employee ($millions) | 4.9682% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 3,984 |
| Loan loss allowance to noncurrent loans | 121.8102% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 5,035 |
| Noncurrent loans to loans | 1.1074% | 5,004 |
| Net loans and leases to total assets | 86.4502% | 339 |
| Net loans and leases to deposits | 110.1761% | 544 |
| Net loans and leases to core deposits | 131.2480% | 1,471 |
| Total domestic deposits to total assets | 78.4655% | 5,960 |
| Equity capital to assets | 11.2674% | 2,700 |
| Core capital (leverage) ratio | 10.2158% | 3,078 |
| Tier 1 risk-based capital ratio | 11.6651% | 5,229 |
| Total risk-based capital ratio | 12.9161% | 5,159 |
| Memoranda: | ||
| Average total assets | $169,614,670 | 3,650 |
| Average earning assets | $157,898,000 | 3,599 |
| Average equity | $17,809,670 | 3,576 |
| Average total loans | $149,828,670 | 2,989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 2,957 |
| Cost of funding earning assets | 1.9345% | 4,467 |
| Net interest margin | 3.9318% | 2,921 |
| Noninterest income to average assets | 0.9533% | 1,627 |
| Noninterest expense to average assets | 1.8209% | 7,678 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6817% | 671 |
| Return on assets (ROA) | 1.6817% | 740 |
| Pretax return on assets | 2.7626% | 161 |
| Return on Equity (ROE) | 16.5923% | 741 |
| Retained earnings to average equity (ytd only) | 16.5923% | 299 |
| Net charge-offs to loans | -0.0026% | 7,125 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7267% | 8,053 |
| Assets per employee ($millions) | 5.1795% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,050 |
| Loan loss allowance to noncurrent loans | 127.2193% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 4,881 |
| Noncurrent loans to loans | 1.0255% | 4,942 |
| Net loans and leases to total assets | 88.9540% | 198 |
| Net loans and leases to deposits | 114.4983% | 427 |
| Net loans and leases to core deposits | 138.0577% | 1,201 |
| Total domestic deposits to total assets | 77.6903% | 6,109 |
| Equity capital to assets | 10.7618% | 3,224 |
| Core capital (leverage) ratio | 9.7249% | 3,719 |
| Tier 1 risk-based capital ratio | 10.8710% | 6,022 |
| Total risk-based capital ratio | 12.1223% | 5,930 |
| Memoranda: | ||
| Average total assets | $172,446,500 | 3,614 |
| Average earning assets | $159,216,500 | 3,588 |
| Average equity | $17,478,000 | 3,645 |
| Average total loans | $152,906,000 | 2,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3977% | 3,431 |
| Cost of funding earning assets | 2.5799% | 3,794 |
| Net interest margin | 3.8177% | 3,949 |
| Noninterest income to average assets | 0.7301% | 2,905 |
| Noninterest expense to average assets | 1.9642% | 7,513 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5165% | 985 |
| Return on assets (ROA) | 1.5165% | 956 |
| Pretax return on assets | 2.2465% | 361 |
| Return on Equity (ROE) | 15.2643% | 888 |
| Retained earnings to average equity (ytd only) | 6.4034% | 1,364 |
| Net charge-offs to loans | 0.0034% | 6,961 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 765.6000% | 70 |
| Efficiency ratio | 46.6481% | 7,892 |
| Assets per employee ($millions) | 5.5984% | 1,387 |
| Cash dividends to net income (ytd only)* | 58.0495% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 4,192 |
| Loan loss allowance to noncurrent loans | 1,487.0229% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 6,503 |
| Noncurrent loans to loans | 0.0837% | 7,169 |
| Net loans and leases to total assets | 86.2293% | 577 |
| Net loans and leases to deposits | 109.9268% | 838 |
| Net loans and leases to core deposits | 132.7915% | 1,671 |
| Total domestic deposits to total assets | 78.4425% | 5,567 |
| Equity capital to assets | 9.5557% | 4,606 |
| Core capital (leverage) ratio | 9.2779% | 4,329 |
| Tier 1 risk-based capital ratio | 9.9594% | 6,782 |
| Total risk-based capital ratio | 11.2080% | 6,673 |
| Memoranda: | ||
| Average total assets | $170,397,200 | 3,549 |
| Average earning assets | $155,353,600 | 3,560 |
| Average equity | $16,928,400 | 3,750 |
| Average total loans | $147,566,800 | 2,970 |