Home > Northwestern Bank > Performance and Condition Ratios
Northwestern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 3,349 |
| Cost of funding earning assets | 1.0168% | 3,256 |
| Net interest margin | 3.3397% | 2,535 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8640% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5387% | 953 |
| Return on assets (ROA) | 1.5938% | 843 |
| Pretax return on assets | 1.5879% | 1,256 |
| Return on Equity (ROE) | 21.8800% | 465 |
| Retained earnings to average equity (ytd only) | 9.4536% | 1,143 |
| Net charge-offs to loans | 0.0041% | 2,592 |
| Credit loss provision to net charge-offs | -3,157.8947% | 4,584 |
| Earnings coverage of net charge-offs (x) | 511.7895% | 287 |
| Efficiency ratio | 54.8728% | 3,610 |
| Assets per employee ($millions) | 8.8333% | 1,041 |
| Cash dividends to net income (ytd only)* | 56.7854% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0798% | 332 |
| Loan loss allowance to noncurrent loans | 4,921.8182% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,426 |
| Noncurrent loans to loans | 0.0423% | 3,422 |
| Net loans and leases to total assets | 75.9400% | 1,123 |
| Net loans and leases to deposits | 89.8303% | 1,277 |
| Net loans and leases to core deposits | 94.7247% | 1,728 |
| Total domestic deposits to total assets | 84.5400% | 2,456 |
| Equity capital to assets | 7.5678% | 3,674 |
| Core capital (leverage) ratio | 9.7868% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3089% | 2,489 |
| Memoranda: | ||
| Average total assets | $634,351,600 | 1,408 |
| Average earning assets | $602,681,400 | 1,371 |
| Average equity | $46,215,000 | 1,703 |
| Average total loans | $463,573,400 | 1,316 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 3,289 |
| Cost of funding earning assets | 0.9447% | 3,167 |
| Net interest margin | 3.3602% | 2,548 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.8134% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6089% | 928 |
| Return on assets (ROA) | 1.6833% | 806 |
| Pretax return on assets | 1.6835% | 1,196 |
| Return on Equity (ROE) | 23.3500% | 466 |
| Retained earnings to average equity (ytd only) | 12.2421% | 933 |
| Net charge-offs to loans | 0.0056% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 397.0526% | 367 |
| Efficiency ratio | 52.9852% | 3,678 |
| Assets per employee ($millions) | 7.9792% | 1,353 |
| Cash dividends to net income (ytd only)* | 47.5672% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4134% | 228 |
| Loan loss allowance to noncurrent loans | 5,147.7477% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 3,438 |
| Noncurrent loans to loans | 0.0469% | 3,418 |
| Net loans and leases to total assets | 75.2100% | 1,206 |
| Net loans and leases to deposits | 83.1776% | 1,815 |
| Net loans and leases to core deposits | 89.7673% | 1,942 |
| Total domestic deposits to total assets | 90.4200% | 834 |
| Equity capital to assets | 7.3736% | 3,434 |
| Core capital (leverage) ratio | 9.9659% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1405% | 2,221 |
| Memoranda: | ||
| Average total assets | $625,107,000 | 1,423 |
| Average earning assets | $594,314,250 | 1,393 |
| Average equity | $45,067,500 | 1,718 |
| Average total loans | $449,311,000 | 1,347 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,326 |
| Cost of funding earning assets | 0.8770% | 3,004 |
| Net interest margin | 3.3079% | 2,731 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.7831% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4576% | 1,195 |
| Return on assets (ROA) | 1.5598% | 1,002 |
| Pretax return on assets | 1.6944% | 1,227 |
| Return on Equity (ROE) | 21.8000% | 553 |
| Retained earnings to average equity (ytd only) | 10.7715% | 1,229 |
| Net charge-offs to loans | -0.0086% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.9673% | 3,702 |
| Assets per employee ($millions) | 8.1938% | 1,232 |
| Cash dividends to net income (ytd only)* | 50.5813% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 225 |
| Loan loss allowance to noncurrent loans | 549.6644% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 1,618 |
| Noncurrent loans to loans | 0.4541% | 1,578 |
| Net loans and leases to total assets | 70.0900% | 1,735 |
| Net loans and leases to deposits | 75.7260% | 2,336 |
| Net loans and leases to core deposits | 86.1832% | 2,059 |
| Total domestic deposits to total assets | 92.5500% | 317 |
| Equity capital to assets | 7.2406% | 3,670 |
| Core capital (leverage) ratio | 9.5272% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2627% | 2,191 |
| Memoranda: | ||
| Average total assets | $628,676,667 | 1,412 |
| Average earning assets | $597,479,667 | 1,385 |
| Average equity | $44,989,000 | 1,725 |
| Average total loans | $441,240,333 | 1,342 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,321 |
| Cost of funding earning assets | 0.7196% | 2,990 |
| Net interest margin | 3.3496% | 2,752 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7534% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5213% | 1,140 |
| Return on assets (ROA) | 1.5526% | 1,069 |
| Pretax return on assets | 1.6854% | 1,301 |
| Return on Equity (ROE) | 21.8300% | 593 |
| Retained earnings to average equity (ytd only) | 14.5855% | 860 |
| Net charge-offs to loans | -0.0074% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.4980% | 3,821 |
| Assets per employee ($millions) | 8.3096% | 1,199 |
| Cash dividends to net income (ytd only)* | 33.1818% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5604% | 212 |
| Loan loss allowance to noncurrent loans | 5,046.2555% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,429 |
| Noncurrent loans to loans | 0.0507% | 3,378 |
| Net loans and leases to total assets | 68.1300% | 1,823 |
| Net loans and leases to deposits | 74.9640% | 2,217 |
| Net loans and leases to core deposits | 82.4767% | 2,093 |
| Total domestic deposits to total assets | 90.8900% | 834 |
| Equity capital to assets | 7.2378% | 3,708 |
| Core capital (leverage) ratio | 9.5446% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9887% | 2,394 |
| Memoranda: | ||
| Average total assets | $623,457,000 | 1,450 |
| Average earning assets | $592,550,000 | 1,416 |
| Average equity | $44,345,500 | 1,757 |
| Average total loans | $432,161,500 | 1,381 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 2,870 |
| Cost of funding earning assets | 0.2125% | 3,656 |
| Net interest margin | 3.3623% | 2,377 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.7374% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6410% | 620 |
| Return on assets (ROA) | 1.6861% | 526 |
| Pretax return on assets | 1.8330% | 676 |
| Return on Equity (ROE) | 23.4000% | 260 |
| Retained earnings to average equity (ytd only) | 10.3919% | 1,042 |
| Net charge-offs to loans | -0.0017% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.3381% | 4,168 |
| Assets per employee ($millions) | 7.6845% | 1,498 |
| Cash dividends to net income (ytd only)* | 55.5910% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7455% | 163 |
| Loan loss allowance to noncurrent loans | 4,976.9565% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,422 |
| Noncurrent loans to loans | 0.0552% | 3,359 |
| Net loans and leases to total assets | 66.7900% | 1,947 |
| Net loans and leases to deposits | 73.3224% | 2,306 |
| Net loans and leases to core deposits | 73.8050% | 2,581 |
| Total domestic deposits to total assets | 91.0900% | 922 |
| Equity capital to assets | 6.9811% | 3,679 |
| Core capital (leverage) ratio | 9.4535% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1943% | 2,290 |
| Memoranda: | ||
| Average total assets | $632,780,600 | 1,416 |
| Average earning assets | $604,296,200 | 1,379 |
| Average equity | $45,593,200 | 1,739 |
| Average total loans | $406,010,600 | 1,380 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 2,789 |
| Cost of funding earning assets | 0.1834% | 3,475 |
| Net interest margin | 3.2627% | 2,417 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.6015% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6599% | 580 |
| Return on assets (ROA) | 1.6739% | 551 |
| Pretax return on assets | 1.8180% | 705 |
| Return on Equity (ROE) | 23.0600% | 250 |
| Retained earnings to average equity (ytd only) | 11.0753% | 1,033 |
| Net charge-offs to loans | -0.0169% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.0437% | 4,326 |
| Assets per employee ($millions) | 8.0917% | 1,278 |
| Cash dividends to net income (ytd only)* | 51.9751% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8516% | 151 |
| Loan loss allowance to noncurrent loans | 4,869.0678% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,540 |
| Noncurrent loans to loans | 0.0586% | 3,462 |
| Net loans and leases to total assets | 62.0200% | 2,289 |
| Net loans and leases to deposits | 66.2556% | 2,696 |
| Net loans and leases to core deposits | 66.6659% | 2,902 |
| Total domestic deposits to total assets | 93.6100% | 433 |
| Equity capital to assets | 6.2400% | 3,866 |
| Core capital (leverage) ratio | 8.9319% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2202% | 2,384 |
| Memoranda: | ||
| Average total assets | $639,206,250 | 1,406 |
| Average earning assets | $611,430,250 | 1,374 |
| Average equity | $46,396,250 | 1,738 |
| Average total loans | $403,280,750 | 1,373 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 2,655 |
| Cost of funding earning assets | 0.1758% | 3,237 |
| Net interest margin | 3.1504% | 2,362 |
| Noninterest income to average assets | 0.2907% | 3,427 |
| Noninterest expense to average assets | 1.5398% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6261% | 517 |
| Return on assets (ROA) | 1.6470% | 480 |
| Pretax return on assets | 1.7891% | 617 |
| Return on Equity (ROE) | 21.6934% | 207 |
| Retained earnings to average equity (ytd only) | 8.9343% | 1,307 |
| Net charge-offs to loans | -0.0055% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5743% | 4,425 |
| Assets per employee ($millions) | 8.2883% | 1,159 |
| Cash dividends to net income (ytd only)* | 58.8157% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7587% | 184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.2456% | 1,988 |
| Net loans and leases to deposits | 67.8644% | 2,399 |
| Net loans and leases to core deposits | 68.2515% | 2,631 |
| Total domestic deposits to total assets | 93.1941% | 468 |
| Equity capital to assets | 6.6795% | 3,943 |
| Core capital (leverage) ratio | 8.7879% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0566% | 2,475 |
| Memoranda: | ||
| Average total assets | $641,890,333 | 1,405 |
| Average earning assets | $614,406,667 | 1,376 |
| Average equity | $48,733,667 | 1,711 |
| Average total loans | $403,386,333 | 1,362 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2049% | 2,675 |
| Cost of funding earning assets | 0.1739% | 3,173 |
| Net interest margin | 3.0310% | 2,398 |
| Noninterest income to average assets | 0.2796% | 3,461 |
| Noninterest expense to average assets | 1.4546% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5938% | 517 |
| Return on assets (ROA) | 1.6292% | 474 |
| Pretax return on assets | 1.7666% | 590 |
| Return on Equity (ROE) | 20.2524% | 225 |
| Retained earnings to average equity (ytd only) | 11.1149% | 763 |
| Net charge-offs to loans | 0.0020% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,390.5000% | 56 |
| Efficiency ratio | 45.7048% | 4,504 |
| Assets per employee ($millions) | 8.5455% | 1,085 |
| Cash dividends to net income (ytd only)* | 45.1182% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8262% | 185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.3560% | 1,930 |
| Net loans and leases to deposits | 66.4645% | 2,300 |
| Net loans and leases to core deposits | 66.8452% | 2,554 |
| Total domestic deposits to total assets | 92.3139% | 470 |
| Equity capital to assets | 7.4247% | 3,978 |
| Core capital (leverage) ratio | 8.8406% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2568% | 2,499 |
| Memoranda: | ||
| Average total assets | $643,737,500 | 1,402 |
| Average earning assets | $616,557,000 | 1,378 |
| Average equity | $51,786,500 | 1,686 |
| Average total loans | $397,538,500 | 1,376 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 2,245 |
| Cost of funding earning assets | 0.2273% | 3,170 |
| Net interest margin | 3.4264% | 1,945 |
| Noninterest income to average assets | 0.3834% | 3,148 |
| Noninterest expense to average assets | 1.7055% | 4,287 |
| Loan and lease loss provision to assets | 0.1022% | 1,228 |
| Net operating income to assets | 1.7516% | 568 |
| Return on assets (ROA) | 1.7689% | 570 |
| Pretax return on assets | 1.9081% | 712 |
| Return on Equity (ROE) | 17.8817% | 477 |
| Retained earnings to average equity (ytd only) | 1.1852% | 4,207 |
| Net charge-offs to loans | 0.1255% | 725 |
| Credit loss provision to net charge-offs | 120.2405% | 1,644 |
| Earnings coverage of net charge-offs (x) | 23.4228% | 1,778 |
| Efficiency ratio | 46.1283% | 4,494 |
| Assets per employee ($millions) | 8.8570% | 963 |
| Cash dividends to net income (ytd only)* | 93.3719% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9303% | 156 |
| Loan loss allowance to noncurrent loans | 572,000.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,219 |
| Noncurrent loans to loans | 0.0005% | 4,138 |
| Net loans and leases to total assets | 58.6118% | 2,313 |
| Net loans and leases to deposits | 64.3787% | 2,654 |
| Net loans and leases to core deposits | 64.7533% | 2,921 |
| Total domestic deposits to total assets | 91.0422% | 482 |
| Equity capital to assets | 8.6592% | 3,926 |
| Core capital (leverage) ratio | 8.5993% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2726% | 2,540 |
| Memoranda: | ||
| Average total assets | $586,814,000 | 1,479 |
| Average earning assets | $567,531,000 | 1,436 |
| Average equity | $58,048,200 | 1,556 |
| Average total loans | $397,612,400 | 1,382 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 2,060 |
| Cost of funding earning assets | 0.2348% | 3,264 |
| Net interest margin | 3.5455% | 1,745 |
| Noninterest income to average assets | 0.3945% | 3,126 |
| Noninterest expense to average assets | 1.6127% | 4,453 |
| Loan and lease loss provision to assets | 0.1049% | 1,154 |
| Net operating income to assets | 1.9332% | 525 |
| Return on assets (ROA) | 1.9565% | 522 |
| Pretax return on assets | 2.1351% | 631 |
| Return on Equity (ROE) | 19.1058% | 503 |
| Retained earnings to average equity (ytd only) | 1.7895% | 4,250 |
| Net charge-offs to loans | 0.2247% | 370 |
| Credit loss provision to net charge-offs | 66.8648% | 1,775 |
| Earnings coverage of net charge-offs (x) | 14.1144% | 1,900 |
| Efficiency ratio | 42.1357% | 4,658 |
| Assets per employee ($millions) | 8.0441% | 1,251 |
| Cash dividends to net income (ytd only)* | 90.6339% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 180 |
| Loan loss allowance to noncurrent loans | 2,887.2727% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,683 |
| Noncurrent loans to loans | 0.0988% | 3,589 |
| Net loans and leases to total assets | 62.7534% | 1,919 |
| Net loans and leases to deposits | 69.3957% | 2,298 |
| Net loans and leases to core deposits | 69.7561% | 2,621 |
| Total domestic deposits to total assets | 90.4283% | 591 |
| Equity capital to assets | 9.4220% | 3,443 |
| Core capital (leverage) ratio | 9.0600% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6159% | 2,499 |
| Memoranda: | ||
| Average total assets | $571,876,750 | 1,527 |
| Average earning assets | $553,706,750 | 1,484 |
| Average equity | $58,563,500 | 1,565 |
| Average total loans | $399,415,000 | 1,408 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 1,631 |
| Cost of funding earning assets | 0.2433% | 3,343 |
| Net interest margin | 3.7315% | 1,267 |
| Noninterest income to average assets | 0.3937% | 3,136 |
| Noninterest expense to average assets | 1.6067% | 4,500 |
| Loan and lease loss provision to assets | 0.1069% | 1,174 |
| Net operating income to assets | 2.1064% | 400 |
| Return on assets (ROA) | 2.1421% | 392 |
| Pretax return on assets | 2.3367% | 457 |
| Return on Equity (ROE) | 20.3359% | 430 |
| Retained earnings to average equity (ytd only) | 11.5394% | 1,005 |
| Net charge-offs to loans | 0.3790% | 223 |
| Credit loss provision to net charge-offs | 39.3185% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.8467% | 1,861 |
| Efficiency ratio | 40.0533% | 4,744 |
| Assets per employee ($millions) | 7.6933% | 1,366 |
| Cash dividends to net income (ytd only)* | 43.2563% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7677% | 195 |
| Loan loss allowance to noncurrent loans | 2,987.9121% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,804 |
| Noncurrent loans to loans | 0.0926% | 3,711 |
| Net loans and leases to total assets | 66.2203% | 1,673 |
| Net loans and leases to deposits | 74.0778% | 1,994 |
| Net loans and leases to core deposits | 74.5750% | 2,362 |
| Total domestic deposits to total assets | 89.3929% | 1,087 |
| Equity capital to assets | 10.4778% | 2,414 |
| Core capital (leverage) ratio | 9.9158% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7103% | 2,082 |
| Memoranda: | ||
| Average total assets | $561,398,667 | 1,547 |
| Average earning assets | $544,292,333 | 1,497 |
| Average equity | $59,136,667 | 1,542 |
| Average total loans | $402,648,667 | 1,401 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 1,560 |
| Cost of funding earning assets | 0.2540% | 3,436 |
| Net interest margin | 3.7709% | 1,197 |
| Noninterest income to average assets | 0.3873% | 3,165 |
| Noninterest expense to average assets | 1.5744% | 4,569 |
| Loan and lease loss provision to assets | 0.1084% | 1,275 |
| Net operating income to assets | 2.1759% | 435 |
| Return on assets (ROA) | 2.2464% | 418 |
| Pretax return on assets | 2.4494% | 476 |
| Return on Equity (ROE) | 21.2667% | 449 |
| Retained earnings to average equity (ytd only) | 16.0270% | 517 |
| Net charge-offs to loans | 0.6655% | 118 |
| Credit loss provision to net charge-offs | 22.1239% | 1,413 |
| Earnings coverage of net charge-offs (x) | 5.0649% | 1,697 |
| Efficiency ratio | 38.8206% | 4,784 |
| Assets per employee ($millions) | 7.8427% | 1,264 |
| Cash dividends to net income (ytd only)* | 24.6381% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6109% | 225 |
| Loan loss allowance to noncurrent loans | 993.6581% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,206 |
| Noncurrent loans to loans | 0.2628% | 3,167 |
| Net loans and leases to total assets | 71.4130% | 1,104 |
| Net loans and leases to deposits | 80.4736% | 1,482 |
| Net loans and leases to core deposits | 81.1116% | 1,899 |
| Total domestic deposits to total assets | 88.7410% | 1,472 |
| Equity capital to assets | 10.4067% | 2,354 |
| Core capital (leverage) ratio | 10.0609% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6432% | 2,023 |
| Memoranda: | ||
| Average total assets | $553,598,000 | 1,552 |
| Average earning assets | $538,540,500 | 1,500 |
| Average equity | $58,476,500 | 1,549 |
| Average total loans | $407,489,500 | 1,391 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,314 |
| Cost of funding earning assets | 0.4233% | 3,441 |
| Net interest margin | 4.0775% | 831 |
| Noninterest income to average assets | 0.5025% | 2,623 |
| Noninterest expense to average assets | 1.9666% | 4,205 |
| Loan and lease loss provision to assets | 0.4927% | 511 |
| Net operating income to assets | 1.8024% | 388 |
| Return on assets (ROA) | 1.8102% | 409 |
| Pretax return on assets | 2.0276% | 433 |
| Return on Equity (ROE) | 15.7544% | 534 |
| Retained earnings to average equity (ytd only) | 5.9573% | 1,812 |
| Net charge-offs to loans | -0.0031% | 4,041 |
| Credit loss provision to net charge-offs | -20,166.6667% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9145% | 4,790 |
| Assets per employee ($millions) | 7.4318% | 1,325 |
| Cash dividends to net income (ytd only)* | 62.1865% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8283% | 173 |
| Loan loss allowance to noncurrent loans | 993.7774% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,237 |
| Noncurrent loans to loans | 0.2846% | 3,180 |
| Net loans and leases to total assets | 71.8087% | 1,313 |
| Net loans and leases to deposits | 81.2366% | 1,738 |
| Net loans and leases to core deposits | 82.0005% | 2,192 |
| Total domestic deposits to total assets | 88.3945% | 1,280 |
| Equity capital to assets | 10.7257% | 2,498 |
| Core capital (leverage) ratio | 9.9366% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4186% | 2,080 |
| Memoranda: | ||
| Average total assets | $491,162,200 | 1,575 |
| Average earning assets | $478,891,400 | 1,510 |
| Average equity | $56,435,000 | 1,519 |
| Average total loans | $391,924,800 | 1,388 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,087 |
| Cost of funding earning assets | 0.4668% | 3,437 |
| Net interest margin | 4.2243% | 696 |
| Noninterest income to average assets | 0.4956% | 2,631 |
| Noninterest expense to average assets | 1.9560% | 4,239 |
| Loan and lease loss provision to assets | 0.4238% | 795 |
| Net operating income to assets | 2.2378% | 191 |
| Return on assets (ROA) | 2.2497% | 201 |
| Pretax return on assets | 2.2520% | 309 |
| Return on Equity (ROE) | 19.2174% | 285 |
| Retained earnings to average equity (ytd only) | 8.4360% | 1,155 |
| Net charge-offs to loans | 0.0038% | 3,027 |
| Credit loss provision to net charge-offs | 13,818.1818% | 92 |
| Earnings coverage of net charge-offs (x) | 868.7273% | 139 |
| Efficiency ratio | 42.3400% | 4,846 |
| Assets per employee ($millions) | 7.0898% | 1,438 |
| Cash dividends to net income (ytd only)* | 56.1021% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5136% | 223 |
| Loan loss allowance to noncurrent loans | 294.0711% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 1,697 |
| Noncurrent loans to loans | 0.8548% | 1,729 |
| Net loans and leases to total assets | 78.0525% | 827 |
| Net loans and leases to deposits | 89.3454% | 1,336 |
| Net loans and leases to core deposits | 90.3079% | 1,949 |
| Total domestic deposits to total assets | 87.3605% | 1,519 |
| Equity capital to assets | 11.2264% | 2,214 |
| Core capital (leverage) ratio | 10.6627% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3998% | 2,034 |
| Memoranda: | ||
| Average total assets | $478,323,000 | 1,591 |
| Average earning assets | $466,967,250 | 1,521 |
| Average equity | $55,996,500 | 1,513 |
| Average total loans | $389,677,250 | 1,388 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 853 |
| Cost of funding earning assets | 0.5149% | 3,439 |
| Net interest margin | 4.4665% | 540 |
| Noninterest income to average assets | 0.4849% | 2,628 |
| Noninterest expense to average assets | 2.0037% | 4,227 |
| Loan and lease loss provision to assets | 0.5889% | 545 |
| Net operating income to assets | 2.2569% | 206 |
| Return on assets (ROA) | 2.2754% | 220 |
| Pretax return on assets | 2.2775% | 316 |
| Return on Equity (ROE) | 19.1448% | 294 |
| Retained earnings to average equity (ytd only) | 7.7621% | 1,379 |
| Net charge-offs to loans | -0.1264% | 4,883 |
| Credit loss provision to net charge-offs | -568.4647% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2990% | 4,877 |
| Assets per employee ($millions) | 6.9393% | 1,469 |
| Cash dividends to net income (ytd only)* | 59.4559% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5546% | 206 |
| Loan loss allowance to noncurrent loans | 294.8696% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 1,700 |
| Noncurrent loans to loans | 0.8663% | 1,761 |
| Net loans and leases to total assets | 81.4339% | 459 |
| Net loans and leases to deposits | 93.0071% | 1,052 |
| Net loans and leases to core deposits | 94.3602% | 1,709 |
| Total domestic deposits to total assets | 87.5566% | 1,397 |
| Equity capital to assets | 11.5085% | 1,967 |
| Core capital (leverage) ratio | 10.8669% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4174% | 2,026 |
| Memoranda: | ||
| Average total assets | $465,244,667 | 1,606 |
| Average earning assets | $454,849,000 | 1,525 |
| Average equity | $55,294,333 | 1,517 |
| Average total loans | $381,442,000 | 1,391 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,838 |
| Cost of funding earning assets | 0.5761% | 3,559 |
| Net interest margin | 4.0777% | 1,182 |
| Noninterest income to average assets | 0.3322% | 3,537 |
| Noninterest expense to average assets | 2.0074% | 4,379 |
| Loan and lease loss provision to assets | 0.1329% | 2,067 |
| Net operating income to assets | 2.1775% | 188 |
| Return on assets (ROA) | 2.2147% | 193 |
| Pretax return on assets | 2.2174% | 281 |
| Return on Equity (ROE) | 18.3180% | 246 |
| Retained earnings to average equity (ytd only) | 18.3180% | 82 |
| Net charge-offs to loans | -0.1452% | 4,891 |
| Credit loss provision to net charge-offs | -112.7820% | 3,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4630% | 4,816 |
| Assets per employee ($millions) | 6.2129% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 253 |
| Loan loss allowance to noncurrent loans | 10,686.0465% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,533 |
| Noncurrent loans to loans | 0.0232% | 4,477 |
| Net loans and leases to total assets | 80.8538% | 585 |
| Net loans and leases to deposits | 92.8046% | 1,201 |
| Net loans and leases to core deposits | 94.3167% | 1,940 |
| Total domestic deposits to total assets | 87.1226% | 1,508 |
| Equity capital to assets | 12.5857% | 1,682 |
| Core capital (leverage) ratio | 11.6359% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7499% | 1,990 |
| Memoranda: | ||
| Average total assets | $451,523,500 | 1,606 |
| Average earning assets | $441,626,500 | 1,514 |
| Average equity | $54,591,000 | 1,528 |
| Average total loans | $366,297,000 | 1,399 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 2,576 |
| Cost of funding earning assets | 0.6025% | 3,625 |
| Net interest margin | 4.0062% | 1,841 |
| Noninterest income to average assets | 0.3653% | 3,513 |
| Noninterest expense to average assets | 2.1175% | 4,325 |
| Loan and lease loss provision to assets | 0.2444% | 765 |
| Net operating income to assets | 1.9102% | 424 |
| Return on assets (ROA) | 2.0135% | 354 |
| Pretax return on assets | 2.0160% | 581 |
| Return on Equity (ROE) | 17.9769% | 342 |
| Retained earnings to average equity (ytd only) | 7.1594% | 1,327 |
| Net charge-offs to loans | 0.3471% | 582 |
| Credit loss provision to net charge-offs | 90.9843% | 2,641 |
| Earnings coverage of net charge-offs (x) | 8.0298% | 2,813 |
| Efficiency ratio | 49.5374% | 4,754 |
| Assets per employee ($millions) | 6.2428% | 1,456 |
| Cash dividends to net income (ytd only)* | 60.1744% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4624% | 226 |
| Loan loss allowance to noncurrent loans | 17,464.7059% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,608 |
| Noncurrent loans to loans | 0.0141% | 4,526 |
| Net loans and leases to total assets | 77.4195% | 1,177 |
| Net loans and leases to deposits | 87.8703% | 1,870 |
| Net loans and leases to core deposits | 89.3735% | 2,479 |
| Total domestic deposits to total assets | 88.1065% | 1,083 |
| Equity capital to assets | 11.6042% | 2,427 |
| Core capital (leverage) ratio | 10.8966% | 2,594 |
| Tier 1 risk-based capital ratio | 13.1431% | 3,715 |
| Total risk-based capital ratio | 14.4068% | 3,596 |
| Memoranda: | ||
| Average total assets | $450,054,200 | 1,555 |
| Average earning assets | $439,172,400 | 1,484 |
| Average equity | $50,409,000 | 1,587 |
| Average total loans | $348,343,600 | 1,426 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 2,757 |
| Cost of funding earning assets | 0.6034% | 3,683 |
| Net interest margin | 3.9872% | 1,989 |
| Noninterest income to average assets | 0.3528% | 3,615 |
| Noninterest expense to average assets | 2.0586% | 4,432 |
| Loan and lease loss provision to assets | 0.1337% | 1,437 |
| Net operating income to assets | 2.0482% | 366 |
| Return on assets (ROA) | 2.0515% | 374 |
| Pretax return on assets | 2.0539% | 613 |
| Return on Equity (ROE) | 18.4850% | 354 |
| Retained earnings to average equity (ytd only) | 7.9049% | 1,440 |
| Net charge-offs to loans | 0.1299% | 1,223 |
| Credit loss provision to net charge-offs | 133.9286% | 1,782 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,892 |
| Efficiency ratio | 48.5186% | 4,823 |
| Assets per employee ($millions) | 6.2327% | 1,442 |
| Cash dividends to net income (ytd only)* | 57.2360% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6099% | 196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.9205% | 1,500 |
| Net loans and leases to deposits | 86.1560% | 2,173 |
| Net loans and leases to core deposits | 87.5625% | 2,773 |
| Total domestic deposits to total assets | 88.1198% | 986 |
| Equity capital to assets | 11.7162% | 2,492 |
| Core capital (leverage) ratio | 11.1145% | 2,548 |
| Tier 1 risk-based capital ratio | 13.2744% | 3,701 |
| Total risk-based capital ratio | 14.5397% | 3,596 |
| Memoranda: | ||
| Average total assets | $448,637,500 | 1,567 |
| Average earning assets | $437,724,750 | 1,498 |
| Average equity | $49,790,500 | 1,606 |
| Average total loans | $344,998,500 | 1,449 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 2,759 |
| Cost of funding earning assets | 0.6134% | 3,584 |
| Net interest margin | 3.9596% | 2,061 |
| Noninterest income to average assets | 0.3357% | 3,689 |
| Noninterest expense to average assets | 2.0334% | 4,547 |
| Loan and lease loss provision to assets | 0.1337% | 1,385 |
| Net operating income to assets | 2.0303% | 368 |
| Return on assets (ROA) | 2.0339% | 383 |
| Pretax return on assets | 2.0370% | 633 |
| Return on Equity (ROE) | 18.6731% | 342 |
| Retained earnings to average equity (ytd only) | 5.5422% | 2,495 |
| Net charge-offs to loans | 0.2475% | 684 |
| Credit loss provision to net charge-offs | 70.5882% | 2,314 |
| Earnings coverage of net charge-offs (x) | 11.4376% | 2,204 |
| Efficiency ratio | 48.4080% | 4,874 |
| Assets per employee ($millions) | 6.1285% | 1,455 |
| Cash dividends to net income (ytd only)* | 70.3200% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5696% | 205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.4746% | 1,318 |
| Net loans and leases to deposits | 87.7830% | 2,031 |
| Net loans and leases to core deposits | 89.3125% | 2,658 |
| Total domestic deposits to total assets | 88.2570% | 987 |
| Equity capital to assets | 11.5948% | 2,526 |
| Core capital (leverage) ratio | 10.7019% | 2,891 |
| Tier 1 risk-based capital ratio | 13.0750% | 3,800 |
| Total risk-based capital ratio | 14.3399% | 3,701 |
| Memoranda: | ||
| Average total assets | $448,598,330 | 1,570 |
| Average earning assets | $437,870,000 | 1,500 |
| Average equity | $48,861,670 | 1,631 |
| Average total loans | $343,389,000 | 1,462 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 2,898 |
| Cost of funding earning assets | 0.6175% | 3,476 |
| Net interest margin | 3.8745% | 2,268 |
| Noninterest income to average assets | 0.3040% | 3,849 |
| Noninterest expense to average assets | 1.9678% | 4,702 |
| Loan and lease loss provision to assets | 0.1318% | 1,322 |
| Net operating income to assets | 1.9818% | 398 |
| Return on assets (ROA) | 1.9818% | 415 |
| Pretax return on assets | 1.9854% | 657 |
| Return on Equity (ROE) | 18.7740% | 341 |
| Retained earnings to average equity (ytd only) | 10.3190% | 961 |
| Net charge-offs to loans | -0.0608% | 4,888 |
| Credit loss provision to net charge-offs | -288.4615% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1720% | 4,936 |
| Assets per employee ($millions) | 6.3921% | 1,296 |
| Cash dividends to net income (ytd only)* | 45.0355% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7116% | 188 |
| Loan loss allowance to noncurrent loans | 521.3801% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 3,050 |
| Noncurrent loans to loans | 0.5201% | 2,756 |
| Net loans and leases to total assets | 71.8614% | 2,189 |
| Net loans and leases to deposits | 80.7908% | 2,753 |
| Net loans and leases to core deposits | 85.7977% | 2,885 |
| Total domestic deposits to total assets | 88.9475% | 880 |
| Equity capital to assets | 10.7218% | 3,138 |
| Core capital (leverage) ratio | 10.3132% | 3,260 |
| Tier 1 risk-based capital ratio | 13.2475% | 3,739 |
| Total risk-based capital ratio | 14.5142% | 3,635 |
| Memoranda: | ||
| Average total assets | $455,334,500 | 1,558 |
| Average earning assets | $444,345,000 | 1,494 |
| Average equity | $48,066,500 | 1,640 |
| Average total loans | $342,082,000 | 1,474 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 2,491 |
| Cost of funding earning assets | 0.4951% | 3,389 |
| Net interest margin | 3.9943% | 1,999 |
| Noninterest income to average assets | 0.3552% | 3,722 |
| Noninterest expense to average assets | 2.1499% | 4,447 |
| Loan and lease loss provision to assets | 0.1364% | 1,579 |
| Net operating income to assets | 1.9566% | 389 |
| Return on assets (ROA) | 1.9687% | 384 |
| Pretax return on assets | 1.9755% | 590 |
| Return on Equity (ROE) | 18.5884% | 335 |
| Retained earnings to average equity (ytd only) | 3.4291% | 3,706 |
| Net charge-offs to loans | -0.0747% | 5,079 |
| Credit loss provision to net charge-offs | -242.9150% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5886% | 4,902 |
| Assets per employee ($millions) | 6.1704% | 1,404 |
| Cash dividends to net income (ytd only)* | 81.5525% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6193% | 201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.4168% | 1,862 |
| Net loans and leases to deposits | 83.4035% | 2,580 |
| Net loans and leases to core deposits | 88.5232% | 2,702 |
| Total domestic deposits to total assets | 89.2250% | 763 |
| Equity capital to assets | 10.3872% | 3,298 |
| Core capital (leverage) ratio | 10.1283% | 3,421 |
| Tier 1 risk-based capital ratio | 12.7173% | 4,002 |
| Total risk-based capital ratio | 13.9828% | 3,881 |
| Memoranda: | ||
| Average total assets | $439,732,200 | 1,562 |
| Average earning assets | $428,759,000 | 1,503 |
| Average equity | $46,572,000 | 1,611 |
| Average total loans | $330,608,600 | 1,478 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,562 |
| Cost of funding earning assets | 0.4653% | 3,421 |
| Net interest margin | 3.9562% | 2,101 |
| Noninterest income to average assets | 0.3481% | 3,811 |
| Noninterest expense to average assets | 2.1068% | 4,534 |
| Loan and lease loss provision to assets | 0.0686% | 2,606 |
| Net operating income to assets | 2.0265% | 356 |
| Return on assets (ROA) | 2.0403% | 343 |
| Pretax return on assets | 2.0482% | 550 |
| Return on Equity (ROE) | 19.1692% | 323 |
| Retained earnings to average equity (ytd only) | 8.4094% | 1,466 |
| Net charge-offs to loans | -0.0941% | 5,148 |
| Credit loss provision to net charge-offs | -97.4026% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0435% | 4,941 |
| Assets per employee ($millions) | 6.0407% | 1,458 |
| Cash dividends to net income (ytd only)* | 56.1304% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5146% | 235 |
| Loan loss allowance to noncurrent loans | 1,029.2363% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 3,988 |
| Noncurrent loans to loans | 0.2443% | 3,821 |
| Net loans and leases to total assets | 75.8254% | 1,684 |
| Net loans and leases to deposits | 85.0057% | 2,477 |
| Net loans and leases to core deposits | 91.6310% | 2,517 |
| Total domestic deposits to total assets | 89.2004% | 775 |
| Equity capital to assets | 10.6660% | 2,962 |
| Core capital (leverage) ratio | 10.5205% | 3,058 |
| Tier 1 risk-based capital ratio | 13.1401% | 3,819 |
| Total risk-based capital ratio | 14.4042% | 3,724 |
| Memoranda: | ||
| Average total assets | $437,055,250 | 1,581 |
| Average earning assets | $426,624,250 | 1,518 |
| Average equity | $46,518,000 | 1,614 |
| Average total loans | $327,206,000 | 1,490 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 2,610 |
| Cost of funding earning assets | 0.4037% | 3,692 |
| Net interest margin | 3.9407% | 2,063 |
| Noninterest income to average assets | 0.3415% | 3,896 |
| Noninterest expense to average assets | 2.1375% | 4,520 |
| Loan and lease loss provision to assets | 0.0688% | 2,504 |
| Net operating income to assets | 1.9759% | 395 |
| Return on assets (ROA) | 1.9846% | 388 |
| Pretax return on assets | 1.9883% | 616 |
| Return on Equity (ROE) | 18.6596% | 365 |
| Retained earnings to average equity (ytd only) | 6.4515% | 2,333 |
| Net charge-offs to loans | -0.0982% | 5,154 |
| Credit loss provision to net charge-offs | -94.9367% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0636% | 4,964 |
| Assets per employee ($millions) | 6.1725% | 1,352 |
| Cash dividends to net income (ytd only)* | 65.4255% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4741% | 252 |
| Loan loss allowance to noncurrent loans | 2,387.8873% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,613 |
| Noncurrent loans to loans | 0.1036% | 4,449 |
| Net loans and leases to total assets | 74.1594% | 1,926 |
| Net loans and leases to deposits | 84.0085% | 2,536 |
| Net loans and leases to core deposits | 90.4420% | 2,535 |
| Total domestic deposits to total assets | 88.2761% | 1,233 |
| Equity capital to assets | 10.2769% | 3,362 |
| Core capital (leverage) ratio | 10.5323% | 3,001 |
| Tier 1 risk-based capital ratio | 12.5899% | 4,129 |
| Total risk-based capital ratio | 13.8532% | 4,023 |
| Memoranda: | ||
| Average total assets | $435,749,670 | 1,595 |
| Average earning assets | $425,097,670 | 1,529 |
| Average equity | $46,346,000 | 1,624 |
| Average total loans | $321,943,330 | 1,517 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 2,528 |
| Cost of funding earning assets | 0.3862% | 3,686 |
| Net interest margin | 3.9104% | 2,007 |
| Noninterest income to average assets | 0.3381% | 3,897 |
| Noninterest expense to average assets | 2.0340% | 4,784 |
| Loan and lease loss provision to assets | 0.0700% | 2,360 |
| Net operating income to assets | 2.0405% | 335 |
| Return on assets (ROA) | 2.0517% | 329 |
| Pretax return on assets | 2.0554% | 517 |
| Return on Equity (ROE) | 18.9537% | 324 |
| Retained earnings to average equity (ytd only) | 11.1031% | 872 |
| Net charge-offs to loans | -0.0770% | 5,137 |
| Credit loss provision to net charge-offs | -125.0000% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0320% | 5,137 |
| Assets per employee ($millions) | 5.8668% | 1,639 |
| Cash dividends to net income (ytd only)* | 41.4201% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6150% | 225 |
| Loan loss allowance to noncurrent loans | 2,352.4079% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,675 |
| Noncurrent loans to loans | 0.1112% | 4,469 |
| Net loans and leases to total assets | 72.2081% | 2,136 |
| Net loans and leases to deposits | 81.2086% | 2,668 |
| Net loans and leases to core deposits | 83.3052% | 3,028 |
| Total domestic deposits to total assets | 88.9169% | 1,137 |
| Equity capital to assets | 10.7775% | 2,794 |
| Core capital (leverage) ratio | 10.6802% | 2,755 |
| Tier 1 risk-based capital ratio | 13.4276% | 3,703 |
| Total risk-based capital ratio | 14.6924% | 3,608 |
| Memoranda: | ||
| Average total assets | $428,327,500 | 1,622 |
| Average earning assets | $417,350,500 | 1,561 |
| Average equity | $46,365,500 | 1,633 |
| Average total loans | $311,597,500 | 1,552 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,512 |
| Cost of funding earning assets | 0.3684% | 3,536 |
| Net interest margin | 3.8782% | 2,159 |
| Noninterest income to average assets | 0.3846% | 3,732 |
| Noninterest expense to average assets | 2.0325% | 4,908 |
| Loan and lease loss provision to assets | 0.2473% | 764 |
| Net operating income to assets | 1.8834% | 353 |
| Return on assets (ROA) | 1.8886% | 358 |
| Pretax return on assets | 1.8886% | 612 |
| Return on Equity (ROE) | 17.5697% | 340 |
| Retained earnings to average equity (ytd only) | 6.1370% | 1,463 |
| Net charge-offs to loans | 0.2627% | 990 |
| Credit loss provision to net charge-offs | 128.6765% | 2,042 |
| Earnings coverage of net charge-offs (x) | 11.0870% | 2,606 |
| Efficiency ratio | 48.8205% | 5,271 |
| Assets per employee ($millions) | 5.8682% | 1,610 |
| Cash dividends to net income (ytd only)* | 65.0705% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6727% | 202 |
| Loan loss allowance to noncurrent loans | 1,012.2677% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 4,187 |
| Noncurrent loans to loans | 0.2640% | 3,836 |
| Net loans and leases to total assets | 69.4413% | 2,609 |
| Net loans and leases to deposits | 78.0749% | 3,104 |
| Net loans and leases to core deposits | 79.8457% | 3,435 |
| Total domestic deposits to total assets | 88.9419% | 1,032 |
| Equity capital to assets | 10.8721% | 2,763 |
| Core capital (leverage) ratio | 10.1958% | 3,199 |
| Tier 1 risk-based capital ratio | 13.4189% | 3,677 |
| Total risk-based capital ratio | 14.6841% | 3,578 |
| Memoranda: | ||
| Average total assets | $424,597,600 | 1,624 |
| Average earning assets | $413,701,400 | 1,554 |
| Average equity | $45,641,200 | 1,646 |
| Average total loans | $310,630,000 | 1,530 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,505 |
| Cost of funding earning assets | 0.3625% | 3,528 |
| Net interest margin | 3.8705% | 2,140 |
| Noninterest income to average assets | 0.3648% | 3,915 |
| Noninterest expense to average assets | 2.0016% | 4,949 |
| Loan and lease loss provision to assets | 0.2360% | 757 |
| Net operating income to assets | 1.9037% | 386 |
| Return on assets (ROA) | 1.9078% | 383 |
| Pretax return on assets | 1.9078% | 674 |
| Return on Equity (ROE) | 17.7996% | 348 |
| Retained earnings to average equity (ytd only) | 5.9753% | 2,252 |
| Net charge-offs to loans | 0.3480% | 608 |
| Credit loss provision to net charge-offs | 92.1376% | 2,431 |
| Earnings coverage of net charge-offs (x) | 8.3526% | 2,793 |
| Efficiency ratio | 48.3319% | 5,327 |
| Assets per employee ($millions) | 5.7638% | 1,678 |
| Cash dividends to net income (ytd only)* | 66.4303% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5687% | 246 |
| Loan loss allowance to noncurrent loans | 927.0907% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,296 |
| Noncurrent loans to loans | 0.2771% | 3,959 |
| Net loans and leases to total assets | 69.9973% | 2,556 |
| Net loans and leases to deposits | 78.6474% | 3,105 |
| Net loans and leases to core deposits | 80.5575% | 3,404 |
| Total domestic deposits to total assets | 89.0014% | 895 |
| Equity capital to assets | 10.8760% | 2,986 |
| Core capital (leverage) ratio | 10.3000% | 3,201 |
| Tier 1 risk-based capital ratio | 13.5757% | 3,653 |
| Total risk-based capital ratio | 14.8405% | 3,565 |
| Memoranda: | ||
| Average total assets | $423,651,500 | 1,635 |
| Average earning assets | $413,374,000 | 1,566 |
| Average equity | $45,408,000 | 1,667 |
| Average total loans | $311,876,750 | 1,524 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 2,314 |
| Cost of funding earning assets | 0.3633% | 3,446 |
| Net interest margin | 3.8803% | 1,998 |
| Noninterest income to average assets | 0.3601% | 3,980 |
| Noninterest expense to average assets | 1.9314% | 5,118 |
| Loan and lease loss provision to assets | 0.2129% | 838 |
| Net operating income to assets | 1.9958% | 312 |
| Return on assets (ROA) | 2.0019% | 313 |
| Pretax return on assets | 2.0019% | 526 |
| Return on Equity (ROE) | 18.7705% | 279 |
| Retained earnings to average equity (ytd only) | 4.7070% | 2,911 |
| Net charge-offs to loans | 0.4737% | 421 |
| Credit loss provision to net charge-offs | 60.5653% | 2,462 |
| Earnings coverage of net charge-offs (x) | 6.2826% | 2,725 |
| Efficiency ratio | 46.6514% | 5,447 |
| Assets per employee ($millions) | 5.5765% | 1,802 |
| Cash dividends to net income (ytd only)* | 74.9232% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4119% | 317 |
| Loan loss allowance to noncurrent loans | 1,329.0435% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 4,637 |
| Noncurrent loans to loans | 0.1815% | 4,394 |
| Net loans and leases to total assets | 73.9300% | 1,884 |
| Net loans and leases to deposits | 83.1100% | 2,586 |
| Net loans and leases to core deposits | 85.1061% | 2,960 |
| Total domestic deposits to total assets | 88.9544% | 978 |
| Equity capital to assets | 10.9375% | 2,883 |
| Core capital (leverage) ratio | 10.1238% | 3,370 |
| Tier 1 risk-based capital ratio | 12.8181% | 4,110 |
| Total risk-based capital ratio | 14.0810% | 4,009 |
| Memoranda: | ||
| Average total assets | $422,696,000 | 1,640 |
| Average earning assets | $411,774,330 | 1,571 |
| Average equity | $45,081,330 | 1,677 |
| Average total loans | $313,695,000 | 1,516 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,372 |
| Cost of funding earning assets | 0.3596% | 3,424 |
| Net interest margin | 3.8138% | 2,072 |
| Noninterest income to average assets | 0.3615% | 3,948 |
| Noninterest expense to average assets | 1.8497% | 5,305 |
| Loan and lease loss provision to assets | 0.0706% | 2,393 |
| Net operating income to assets | 2.1547% | 242 |
| Return on assets (ROA) | 2.1547% | 249 |
| Pretax return on assets | 2.1547% | 381 |
| Return on Equity (ROE) | 20.4606% | 210 |
| Retained earnings to average equity (ytd only) | 9.0012% | 1,085 |
| Net charge-offs to loans | 0.7382% | 235 |
| Credit loss provision to net charge-offs | 13.0208% | 2,206 |
| Earnings coverage of net charge-offs (x) | 4.1042% | 2,420 |
| Efficiency ratio | 45.3915% | 5,554 |
| Assets per employee ($millions) | 5.8922% | 1,588 |
| Cash dividends to net income (ytd only)* | 56.0070% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3925% | 357 |
| Loan loss allowance to noncurrent loans | 1,200.9693% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,687 |
| Noncurrent loans to loans | 0.1992% | 4,408 |
| Net loans and leases to total assets | 70.5095% | 2,291 |
| Net loans and leases to deposits | 79.1089% | 2,849 |
| Net loans and leases to core deposits | 82.5812% | 3,031 |
| Total domestic deposits to total assets | 89.1298% | 1,093 |
| Equity capital to assets | 10.5601% | 3,122 |
| Core capital (leverage) ratio | 10.0420% | 3,441 |
| Tier 1 risk-based capital ratio | 13.0884% | 4,032 |
| Total risk-based capital ratio | 14.3512% | 3,925 |
| Memoranda: | ||
| Average total assets | $424,924,000 | 1,646 |
| Average earning assets | $413,763,500 | 1,576 |
| Average equity | $44,749,500 | 1,692 |
| Average total loans | $312,119,000 | 1,520 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,175 |
| Cost of funding earning assets | 0.3383% | 3,649 |
| Net interest margin | 3.9505% | 1,787 |
| Noninterest income to average assets | 0.3312% | 4,367 |
| Noninterest expense to average assets | 2.1846% | 4,810 |
| Loan and lease loss provision to assets | 0.1455% | 1,716 |
| Net operating income to assets | 1.8129% | 437 |
| Return on assets (ROA) | 1.9761% | 355 |
| Pretax return on assets | 2.0176% | 477 |
| Return on Equity (ROE) | 17.9295% | 333 |
| Retained earnings to average equity (ytd only) | 4.2322% | 2,894 |
| Net charge-offs to loans | -0.0780% | 5,514 |
| Credit loss provision to net charge-offs | -252.1008% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2498% | 5,363 |
| Assets per employee ($millions) | 5.7496% | 1,660 |
| Cash dividends to net income (ytd only)* | 76.3955% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5309% | 298 |
| Loan loss allowance to noncurrent loans | 1,667.0168% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,858 |
| Noncurrent loans to loans | 0.1518% | 4,633 |
| Net loans and leases to total assets | 72.8075% | 2,039 |
| Net loans and leases to deposits | 81.4616% | 2,729 |
| Net loans and leases to core deposits | 85.1352% | 2,915 |
| Total domestic deposits to total assets | 89.3765% | 908 |
| Equity capital to assets | 10.5015% | 3,155 |
| Core capital (leverage) ratio | 9.9372% | 3,576 |
| Tier 1 risk-based capital ratio | 12.7659% | 4,221 |
| Total risk-based capital ratio | 14.0305% | 4,103 |
| Memoranda: | ||
| Average total assets | $412,477,800 | 1,639 |
| Average earning assets | $401,974,000 | 1,558 |
| Average equity | $45,461,400 | 1,655 |
| Average total loans | $305,210,000 | 1,497 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,193 |
| Cost of funding earning assets | 0.3307% | 3,770 |
| Net interest margin | 3.9585% | 1,783 |
| Noninterest income to average assets | 0.3344% | 4,390 |
| Noninterest expense to average assets | 1.9133% | 5,355 |
| Loan and lease loss provision to assets | 0.1704% | 1,336 |
| Net operating income to assets | 2.0588% | 312 |
| Return on assets (ROA) | 2.2720% | 232 |
| Pretax return on assets | 2.3275% | 299 |
| Return on Equity (ROE) | 20.3688% | 222 |
| Retained earnings to average equity (ytd only) | 7.5444% | 1,381 |
| Net charge-offs to loans | 0.0488% | 2,674 |
| Credit loss provision to net charge-offs | 472.9730% | 742 |
| Earnings coverage of net charge-offs (x) | 63.2777% | 914 |
| Efficiency ratio | 45.6220% | 5,685 |
| Assets per employee ($millions) | 5.8076% | 1,575 |
| Cash dividends to net income (ytd only)* | 62.9609% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4034% | 375 |
| Loan loss allowance to noncurrent loans | 1,124.4012% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 4,311 |
| Noncurrent loans to loans | 0.2137% | 4,504 |
| Net loans and leases to total assets | 72.9428% | 2,027 |
| Net loans and leases to deposits | 82.3105% | 2,693 |
| Net loans and leases to core deposits | 85.8868% | 2,958 |
| Total domestic deposits to total assets | 88.6191% | 1,097 |
| Equity capital to assets | 11.2513% | 2,744 |
| Core capital (leverage) ratio | 10.2147% | 3,316 |
| Tier 1 risk-based capital ratio | 12.9920% | 4,168 |
| Total risk-based capital ratio | 14.2553% | 4,072 |
| Memoranda: | ||
| Average total assets | $410,667,500 | 1,646 |
| Average earning assets | $400,375,750 | 1,566 |
| Average equity | $45,807,500 | 1,654 |
| Average total loans | $303,132,000 | 1,510 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 2,197 |
| Cost of funding earning assets | 0.3215% | 3,885 |
| Net interest margin | 3.9637% | 1,759 |
| Noninterest income to average assets | 0.3332% | 4,399 |
| Noninterest expense to average assets | 1.8899% | 5,468 |
| Loan and lease loss provision to assets | 0.0735% | 2,672 |
| Net operating income to assets | 2.1555% | 242 |
| Return on assets (ROA) | 2.4739% | 162 |
| Pretax return on assets | 2.5577% | 204 |
| Return on Equity (ROE) | 22.2451% | 147 |
| Retained earnings to average equity (ytd only) | 7.7102% | 1,285 |
| Net charge-offs to loans | 0.0707% | 2,175 |
| Credit loss provision to net charge-offs | 141.5094% | 1,667 |
| Earnings coverage of net charge-offs (x) | 44.3396% | 1,084 |
| Efficiency ratio | 45.0742% | 5,789 |
| Assets per employee ($millions) | 5.7268% | 1,603 |
| Cash dividends to net income (ytd only)* | 65.3397% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2957% | 474 |
| Loan loss allowance to noncurrent loans | 799.6641% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 4,634 |
| Noncurrent loans to loans | 0.2871% | 4,345 |
| Net loans and leases to total assets | 73.7070% | 1,897 |
| Net loans and leases to deposits | 83.0874% | 2,582 |
| Net loans and leases to core deposits | 86.6516% | 2,844 |
| Total domestic deposits to total assets | 88.7101% | 1,059 |
| Equity capital to assets | 11.1904% | 2,854 |
| Core capital (leverage) ratio | 10.2388% | 3,284 |
| Tier 1 risk-based capital ratio | 12.8146% | 4,304 |
| Total risk-based capital ratio | 14.0764% | 4,213 |
| Memoranda: | ||
| Average total assets | $408,174,330 | 1,659 |
| Average earning assets | $397,453,000 | 1,587 |
| Average equity | $45,394,330 | 1,668 |
| Average total loans | $300,003,000 | 1,521 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,266 |
| Cost of funding earning assets | 0.3172% | 3,982 |
| Net interest margin | 3.9443% | 1,800 |
| Noninterest income to average assets | 0.3103% | 4,512 |
| Noninterest expense to average assets | 1.8902% | 5,537 |
| Loan and lease loss provision to assets | 0.0739% | 2,486 |
| Net operating income to assets | 2.0617% | 299 |
| Return on assets (ROA) | 2.6663% | 128 |
| Pretax return on assets | 2.8348% | 149 |
| Return on Equity (ROE) | 24.0510% | 113 |
| Retained earnings to average equity (ytd only) | 24.0510% | 55 |
| Net charge-offs to loans | -0.1223% | 5,711 |
| Credit loss provision to net charge-offs | -83.3333% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4847% | 5,831 |
| Assets per employee ($millions) | 5.5993% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 433 |
| Loan loss allowance to noncurrent loans | 4,374.6988% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,460 |
| Noncurrent loans to loans | 0.0552% | 5,265 |
| Net loans and leases to total assets | 72.7931% | 1,905 |
| Net loans and leases to deposits | 82.3826% | 2,498 |
| Net loans and leases to core deposits | 83.0331% | 3,039 |
| Total domestic deposits to total assets | 88.3599% | 1,429 |
| Equity capital to assets | 11.5628% | 2,382 |
| Core capital (leverage) ratio | 10.5809% | 2,874 |
| Tier 1 risk-based capital ratio | 13.4698% | 3,993 |
| Total risk-based capital ratio | 14.7329% | 3,918 |
| Memoranda: | ||
| Average total assets | $406,098,500 | 1,661 |
| Average earning assets | $395,911,500 | 1,586 |
| Average equity | $45,021,000 | 1,674 |
| Average total loans | $294,477,500 | 1,545 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 2,753 |
| Cost of funding earning assets | 0.3263% | 3,953 |
| Net interest margin | 3.8203% | 2,306 |
| Noninterest income to average assets | 0.5824% | 2,819 |
| Noninterest expense to average assets | 1.9833% | 5,489 |
| Loan and lease loss provision to assets | 0.1667% | 1,377 |
| Net operating income to assets | 0.5349% | 4,558 |
| Return on assets (ROA) | 0.5448% | 4,614 |
| Pretax return on assets | 2.1438% | 389 |
| Return on Equity (ROE) | 4.5138% | 4,739 |
| Retained earnings to average equity (ytd only) | -13.1771% | 6,075 |
| Net charge-offs to loans | -0.2543% | 5,994 |
| Credit loss provision to net charge-offs | -101.0479% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3572% | 5,909 |
| Assets per employee ($millions) | 5.5277% | 1,772 |
| Cash dividends to net income (ytd only)* | 391.9311% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4623% | 420 |
| Loan loss allowance to noncurrent loans | 5,296.2687% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,556 |
| Noncurrent loans to loans | 0.0465% | 5,332 |
| Net loans and leases to total assets | 68.7282% | 2,584 |
| Net loans and leases to deposits | 77.0805% | 3,151 |
| Net loans and leases to core deposits | 77.7280% | 3,574 |
| Total domestic deposits to total assets | 89.1641% | 1,035 |
| Equity capital to assets | 10.6166% | 3,225 |
| Core capital (leverage) ratio | 9.6942% | 3,916 |
| Tier 1 risk-based capital ratio | 12.9971% | 4,319 |
| Total risk-based capital ratio | 14.2606% | 4,219 |
| Memoranda: | ||
| Average total assets | $404,889,400 | 1,631 |
| Average earning assets | $391,693,200 | 1,557 |
| Average equity | $48,872,600 | 1,532 |
| Average total loans | $262,636,200 | 1,654 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 2,794 |
| Cost of funding earning assets | 0.3272% | 4,023 |
| Net interest margin | 3.8083% | 2,352 |
| Noninterest income to average assets | 0.3443% | 4,469 |
| Noninterest expense to average assets | 1.8789% | 5,669 |
| Loan and lease loss provision to assets | 0.1486% | 1,469 |
| Net operating income to assets | 1.2002% | 1,652 |
| Return on assets (ROA) | 1.2074% | 1,695 |
| Pretax return on assets | 2.0093% | 593 |
| Return on Equity (ROE) | 9.7063% | 2,216 |
| Retained earnings to average equity (ytd only) | 6.3833% | 2,029 |
| Net charge-offs to loans | -0.3403% | 6,109 |
| Credit loss provision to net charge-offs | -68.8073% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6743% | 5,935 |
| Assets per employee ($millions) | 5.4721% | 1,808 |
| Cash dividends to net income (ytd only)* | 34.2357% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6893% | 341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 3,964 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.2816% | 3,696 |
| Net loans and leases to deposits | 70.4370% | 3,927 |
| Net loans and leases to core deposits | 71.0497% | 4,273 |
| Total domestic deposits to total assets | 87.0020% | 2,038 |
| Equity capital to assets | 12.7056% | 1,613 |
| Core capital (leverage) ratio | 11.9166% | 1,724 |
| Tier 1 risk-based capital ratio | 16.8149% | 2,434 |
| Total risk-based capital ratio | 18.0792% | 2,388 |
| Memoranda: | ||
| Average total assets | $403,849,500 | 1,648 |
| Average earning assets | $390,363,250 | 1,572 |
| Average equity | $50,234,000 | 1,486 |
| Average total loans | $256,238,000 | 1,700 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,663 |
| Cost of funding earning assets | 0.3271% | 4,084 |
| Net interest margin | 3.8374% | 2,182 |
| Noninterest income to average assets | 0.3326% | 4,579 |
| Noninterest expense to average assets | 1.7909% | 5,863 |
| Loan and lease loss provision to assets | 0.1487% | 1,440 |
| Net operating income to assets | 1.2795% | 1,380 |
| Return on assets (ROA) | 1.2902% | 1,414 |
| Pretax return on assets | 2.1141% | 485 |
| Return on Equity (ROE) | 10.4477% | 1,869 |
| Retained earnings to average equity (ytd only) | 5.4225% | 2,585 |
| Net charge-offs to loans | -0.4013% | 6,170 |
| Credit loss provision to net charge-offs | -58.2524% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3639% | 6,099 |
| Assets per employee ($millions) | 5.5595% | 1,691 |
| Cash dividends to net income (ytd only)* | 48.0983% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5607% | 455 |
| Loan loss allowance to noncurrent loans | 22,651.7241% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 3,990 |
| Noncurrent loans to loans | 0.0113% | 5,720 |
| Net loans and leases to total assets | 61.5916% | 3,612 |
| Net loans and leases to deposits | 70.3303% | 3,895 |
| Net loans and leases to core deposits | 70.9869% | 4,224 |
| Total domestic deposits to total assets | 87.5748% | 1,862 |
| Equity capital to assets | 12.2759% | 1,822 |
| Core capital (leverage) ratio | 11.6846% | 1,849 |
| Tier 1 risk-based capital ratio | 16.4863% | 2,616 |
| Total risk-based capital ratio | 17.7493% | 2,560 |
| Memoranda: | ||
| Average total assets | $403,488,670 | 1,656 |
| Average earning assets | $389,483,330 | 1,587 |
| Average equity | $49,829,000 | 1,506 |
| Average total loans | $256,648,330 | 1,703 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,211 |
| Cost of funding earning assets | 0.3266% | 4,143 |
| Net interest margin | 3.9382% | 1,756 |
| Noninterest income to average assets | 0.2844% | 4,899 |
| Noninterest expense to average assets | 1.7112% | 5,999 |
| Loan and lease loss provision to assets | 0.1491% | 1,362 |
| Net operating income to assets | 1.3562% | 1,124 |
| Return on assets (ROA) | 1.3562% | 1,190 |
| Pretax return on assets | 2.2243% | 370 |
| Return on Equity (ROE) | 10.9519% | 1,650 |
| Retained earnings to average equity (ytd only) | 10.9519% | 729 |
| Net charge-offs to loans | 0.0436% | 2,369 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 85.2500% | 562 |
| Efficiency ratio | 41.8939% | 6,235 |
| Assets per employee ($millions) | 5.4499% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2919% | 710 |
| Loan loss allowance to noncurrent loans | 485.2188% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 3,081 |
| Noncurrent loans to loans | 0.4723% | 4,163 |
| Net loans and leases to total assets | 62.1155% | 3,348 |
| Net loans and leases to deposits | 71.2845% | 3,616 |
| Net loans and leases to core deposits | 71.9569% | 3,967 |
| Total domestic deposits to total assets | 87.1375% | 2,301 |
| Equity capital to assets | 12.6388% | 1,605 |
| Core capital (leverage) ratio | 11.7075% | 1,847 |
| Tier 1 risk-based capital ratio | 16.4283% | 2,720 |
| Total risk-based capital ratio | 17.6884% | 2,652 |
| Memoranda: | ||
| Average total assets | $402,286,000 | 1,665 |
| Average earning assets | $388,196,000 | 1,596 |
| Average equity | $49,818,000 | 1,506 |
| Average total loans | $256,705,000 | 1,704 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,599 |
| Cost of funding earning assets | 0.3407% | 4,360 |
| Net interest margin | 3.9617% | 2,006 |
| Noninterest income to average assets | 0.4384% | 3,912 |
| Noninterest expense to average assets | 1.9737% | 5,815 |
| Loan and lease loss provision to assets | 0.1797% | 1,430 |
| Net operating income to assets | 1.2717% | 1,366 |
| Return on assets (ROA) | 1.2900% | 1,380 |
| Pretax return on assets | 2.1067% | 405 |
| Return on Equity (ROE) | 10.8917% | 1,757 |
| Retained earnings to average equity (ytd only) | 5.8121% | 2,055 |
| Net charge-offs to loans | 0.0565% | 3,700 |
| Credit loss provision to net charge-offs | 530.3030% | 501 |
| Earnings coverage of net charge-offs (x) | 66.6439% | 731 |
| Efficiency ratio | 46.6428% | 6,239 |
| Assets per employee ($millions) | 5.4227% | 1,836 |
| Cash dividends to net income (ytd only)* | 46.6375% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2387% | 782 |
| Loan loss allowance to noncurrent loans | 258.4906% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 2,926 |
| Noncurrent loans to loans | 0.8661% | 3,153 |
| Net loans and leases to total assets | 62.6179% | 3,421 |
| Net loans and leases to deposits | 71.3691% | 3,750 |
| Net loans and leases to core deposits | 71.9887% | 4,124 |
| Total domestic deposits to total assets | 87.7381% | 1,903 |
| Equity capital to assets | 12.1274% | 1,928 |
| Core capital (leverage) ratio | 11.7309% | 1,809 |
| Tier 1 risk-based capital ratio | 16.1432% | 2,891 |
| Total risk-based capital ratio | 17.4027% | 2,832 |
| Memoranda: | ||
| Average total assets | $389,620,800 | 1,679 |
| Average earning assets | $373,046,600 | 1,618 |
| Average equity | $46,145,200 | 1,555 |
| Average total loans | $233,761,000 | 1,800 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,623 |
| Cost of funding earning assets | 0.3438% | 4,412 |
| Net interest margin | 3.9591% | 2,001 |
| Noninterest income to average assets | 0.4330% | 4,000 |
| Noninterest expense to average assets | 1.9708% | 5,818 |
| Loan and lease loss provision to assets | 0.1552% | 1,601 |
| Net operating income to assets | 1.2833% | 1,420 |
| Return on assets (ROA) | 1.2974% | 1,435 |
| Pretax return on assets | 2.1173% | 437 |
| Return on Equity (ROE) | 11.0231% | 1,783 |
| Retained earnings to average equity (ytd only) | 7.5343% | 1,568 |
| Net charge-offs to loans | 0.1105% | 2,695 |
| Credit loss provision to net charge-offs | 238.0952% | 1,099 |
| Earnings coverage of net charge-offs (x) | 34.5349% | 1,250 |
| Efficiency ratio | 46.6879% | 6,257 |
| Assets per employee ($millions) | 5.1440% | 2,086 |
| Cash dividends to net income (ytd only)* | 31.6503% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 932 |
| Loan loss allowance to noncurrent loans | 244.1506% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0023% | 2,948 |
| Noncurrent loans to loans | 0.9050% | 3,297 |
| Net loans and leases to total assets | 62.4876% | 3,411 |
| Net loans and leases to deposits | 71.6601% | 3,716 |
| Net loans and leases to core deposits | 72.3168% | 4,123 |
| Total domestic deposits to total assets | 87.2000% | 2,200 |
| Equity capital to assets | 12.4200% | 1,755 |
| Core capital (leverage) ratio | 11.9277% | 1,739 |
| Tier 1 risk-based capital ratio | 16.7575% | 2,705 |
| Total risk-based capital ratio | 18.0167% | 2,646 |
| Memoranda: | ||
| Average total assets | $386,705,250 | 1,701 |
| Average earning assets | $370,008,750 | 1,642 |
| Average equity | $45,515,250 | 1,581 |
| Average total loans | $227,944,000 | 1,849 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,422 |
| Cost of funding earning assets | 0.3472% | 4,465 |
| Net interest margin | 3.9949% | 1,818 |
| Noninterest income to average assets | 0.3168% | 4,875 |
| Noninterest expense to average assets | 1.8982% | 5,998 |
| Loan and lease loss provision to assets | 0.1550% | 1,591 |
| Net operating income to assets | 1.2718% | 1,385 |
| Return on assets (ROA) | 1.2930% | 1,382 |
| Pretax return on assets | 2.1085% | 438 |
| Return on Equity (ROE) | 11.1909% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.8638% | 2,408 |
| Net charge-offs to loans | 0.0758% | 2,939 |
| Credit loss provision to net charge-offs | 357.1429% | 751 |
| Earnings coverage of net charge-offs (x) | 51.3810% | 896 |
| Efficiency ratio | 45.9757% | 6,367 |
| Assets per employee ($millions) | 5.2800% | 1,891 |
| Cash dividends to net income (ytd only)* | 47.6019% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3521% | 850 |
| Loan loss allowance to noncurrent loans | 279.6066% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 3,000 |
| Noncurrent loans to loans | 0.8412% | 3,607 |
| Net loans and leases to total assets | 58.1843% | 3,966 |
| Net loans and leases to deposits | 66.2125% | 4,250 |
| Net loans and leases to core deposits | 66.8143% | 4,566 |
| Total domestic deposits to total assets | 87.8751% | 1,981 |
| Equity capital to assets | 12.0393% | 1,949 |
| Core capital (leverage) ratio | 11.6353% | 1,891 |
| Tier 1 risk-based capital ratio | 17.3271% | 2,489 |
| Total risk-based capital ratio | 18.5873% | 2,445 |
| Memoranda: | ||
| Average total assets | $387,007,670 | 1,701 |
| Average earning assets | $369,268,000 | 1,641 |
| Average equity | $44,715,000 | 1,600 |
| Average total loans | $221,751,000 | 1,889 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,353 |
| Cost of funding earning assets | 0.3505% | 4,537 |
| Net interest margin | 3.9943% | 1,785 |
| Noninterest income to average assets | 0.3342% | 4,700 |
| Noninterest expense to average assets | 1.8350% | 6,171 |
| Loan and lease loss provision to assets | 0.1547% | 1,566 |
| Net operating income to assets | 1.3203% | 1,162 |
| Return on assets (ROA) | 1.3203% | 1,209 |
| Pretax return on assets | 2.1527% | 388 |
| Return on Equity (ROE) | 11.6707% | 1,505 |
| Retained earnings to average equity (ytd only) | 10.2848% | 900 |
| Net charge-offs to loans | -0.2020% | 6,385 |
| Credit loss provision to net charge-offs | -136.3636% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2978% | 6,488 |
| Assets per employee ($millions) | 5.3279% | 1,884 |
| Cash dividends to net income (ytd only)* | 11.8750% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4574% | 855 |
| Loan loss allowance to noncurrent loans | 210.1891% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 2,777 |
| Noncurrent loans to loans | 1.1691% | 3,097 |
| Net loans and leases to total assets | 55.5796% | 4,198 |
| Net loans and leases to deposits | 63.8843% | 4,324 |
| Net loans and leases to core deposits | 64.4650% | 4,652 |
| Total domestic deposits to total assets | 87.0004% | 2,811 |
| Equity capital to assets | 11.5611% | 2,194 |
| Core capital (leverage) ratio | 11.3410% | 2,102 |
| Tier 1 risk-based capital ratio | 17.3264% | 2,546 |
| Total risk-based capital ratio | 18.5872% | 2,504 |
| Memoranda: | ||
| Average total assets | $387,792,000 | 1,714 |
| Average earning assets | $369,729,000 | 1,650 |
| Average equity | $43,870,500 | 1,618 |
| Average total loans | $217,793,000 | 1,910 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 2,682 |
| Cost of funding earning assets | 0.3825% | 4,821 |
| Net interest margin | 3.9887% | 1,981 |
| Noninterest income to average assets | 0.6081% | 3,038 |
| Noninterest expense to average assets | 2.1965% | 5,637 |
| Loan and lease loss provision to assets | 0.1844% | 1,995 |
| Net operating income to assets | 1.2544% | 1,379 |
| Return on assets (ROA) | 1.2727% | 1,382 |
| Pretax return on assets | 2.0666% | 420 |
| Return on Equity (ROE) | 10.8669% | 1,807 |
| Retained earnings to average equity (ytd only) | 8.1378% | 1,012 |
| Net charge-offs to loans | -0.2078% | 6,620 |
| Credit loss provision to net charge-offs | -163.1702% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7048% | 6,409 |
| Assets per employee ($millions) | 5.2250% | 1,932 |
| Cash dividends to net income (ytd only)* | 25.1139% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4237% | 906 |
| Loan loss allowance to noncurrent loans | 218.2660% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 2,893 |
| Noncurrent loans to loans | 1.1104% | 3,316 |
| Net loans and leases to total assets | 53.9987% | 4,582 |
| Net loans and leases to deposits | 60.8640% | 4,846 |
| Net loans and leases to core deposits | 61.4089% | 5,115 |
| Total domestic deposits to total assets | 88.7203% | 1,793 |
| Equity capital to assets | 11.0632% | 2,558 |
| Core capital (leverage) ratio | 11.2292% | 2,173 |
| Tier 1 risk-based capital ratio | 17.0693% | 2,576 |
| Total risk-based capital ratio | 18.3293% | 2,548 |
| Memoranda: | ||
| Average total assets | $379,521,200 | 1,729 |
| Average earning assets | $362,602,600 | 1,660 |
| Average equity | $44,446,800 | 1,573 |
| Average total loans | $206,443,200 | 1,954 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,698 |
| Cost of funding earning assets | 0.3890% | 4,909 |
| Net interest margin | 3.9793% | 2,011 |
| Noninterest income to average assets | 0.6551% | 2,854 |
| Noninterest expense to average assets | 2.0455% | 5,936 |
| Loan and lease loss provision to assets | 0.1588% | 2,277 |
| Net operating income to assets | 1.3903% | 1,126 |
| Return on assets (ROA) | 1.4016% | 1,148 |
| Pretax return on assets | 2.2774% | 335 |
| Return on Equity (ROE) | 11.8012% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.3494% | 515 |
| Net charge-offs to loans | -0.3630% | 6,746 |
| Credit loss provision to net charge-offs | -80.7899% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8211% | 6,593 |
| Assets per employee ($millions) | 5.1119% | 2,035 |
| Cash dividends to net income (ytd only)* | 3.8277% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4162% | 1,028 |
| Loan loss allowance to noncurrent loans | 151.2545% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4801% | 2,713 |
| Noncurrent loans to loans | 1.5975% | 2,777 |
| Net loans and leases to total assets | 54.0656% | 4,602 |
| Net loans and leases to deposits | 61.2445% | 4,842 |
| Net loans and leases to core deposits | 61.7193% | 5,145 |
| Total domestic deposits to total assets | 88.2783% | 1,950 |
| Equity capital to assets | 11.6062% | 2,215 |
| Core capital (leverage) ratio | 11.5411% | 2,008 |
| Tier 1 risk-based capital ratio | 17.6631% | 2,452 |
| Total risk-based capital ratio | 18.9233% | 2,414 |
| Memoranda: | ||
| Average total assets | $377,739,000 | 1,743 |
| Average earning assets | $361,564,750 | 1,672 |
| Average equity | $44,864,500 | 1,574 |
| Average total loans | $204,561,000 | 1,979 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,735 |
| Cost of funding earning assets | 0.3987% | 4,961 |
| Net interest margin | 3.9575% | 2,017 |
| Noninterest income to average assets | 0.5938% | 3,231 |
| Noninterest expense to average assets | 1.9637% | 6,107 |
| Loan and lease loss provision to assets | 0.1589% | 2,334 |
| Net operating income to assets | 1.3942% | 1,098 |
| Return on assets (ROA) | 1.4112% | 1,141 |
| Pretax return on assets | 2.2889% | 351 |
| Return on Equity (ROE) | 11.7916% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.1188% | 627 |
| Net charge-offs to loans | -0.3598% | 6,782 |
| Credit loss provision to net charge-offs | -82.1918% | 5,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7813% | 6,685 |
| Assets per employee ($millions) | 5.0479% | 2,059 |
| Cash dividends to net income (ytd only)* | 5.7057% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 1,354 |
| Loan loss allowance to noncurrent loans | 141.0394% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 2,837 |
| Noncurrent loans to loans | 1.5871% | 2,927 |
| Net loans and leases to total assets | 55.2074% | 4,418 |
| Net loans and leases to deposits | 62.9151% | 4,637 |
| Net loans and leases to core deposits | 63.4113% | 4,959 |
| Total domestic deposits to total assets | 87.7490% | 2,416 |
| Equity capital to assets | 12.1447% | 1,815 |
| Core capital (leverage) ratio | 11.2944% | 2,093 |
| Tier 1 risk-based capital ratio | 16.8488% | 2,769 |
| Total risk-based capital ratio | 18.1070% | 2,739 |
| Memoranda: | ||
| Average total assets | $377,558,330 | 1,745 |
| Average earning assets | $361,690,000 | 1,673 |
| Average equity | $45,184,670 | 1,566 |
| Average total loans | $202,886,670 | 1,990 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,765 |
| Cost of funding earning assets | 0.4114% | 4,995 |
| Net interest margin | 3.9182% | 2,057 |
| Noninterest income to average assets | 0.6766% | 2,715 |
| Noninterest expense to average assets | 1.8432% | 6,376 |
| Loan and lease loss provision to assets | 0.1581% | 2,289 |
| Net operating income to assets | 1.5017% | 852 |
| Return on assets (ROA) | 1.5017% | 930 |
| Pretax return on assets | 2.4291% | 299 |
| Return on Equity (ROE) | 12.6403% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.6403% | 605 |
| Net charge-offs to loans | -0.1348% | 6,562 |
| Credit loss provision to net charge-offs | -223.8806% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6032% | 6,844 |
| Assets per employee ($millions) | 5.1406% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1657% | 1,654 |
| Loan loss allowance to noncurrent loans | 118.4590% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 2,912 |
| Noncurrent loans to loans | 1.8282% | 2,829 |
| Net loans and leases to total assets | 51.4509% | 4,778 |
| Net loans and leases to deposits | 58.9908% | 4,907 |
| Net loans and leases to core deposits | 59.4562% | 5,198 |
| Total domestic deposits to total assets | 87.2185% | 2,816 |
| Equity capital to assets | 12.2659% | 1,858 |
| Core capital (leverage) ratio | 10.9163% | 2,335 |
| Tier 1 risk-based capital ratio | 17.4322% | 2,589 |
| Total risk-based capital ratio | 18.6896% | 2,544 |
| Memoranda: | ||
| Average total assets | $379,564,500 | 1,751 |
| Average earning assets | $363,633,000 | 1,680 |
| Average equity | $45,094,000 | 1,588 |
| Average total loans | $198,856,500 | 2,036 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 2,967 |
| Cost of funding earning assets | 0.6628% | 3,802 |
| Net interest margin | 3.9452% | 2,625 |
| Noninterest income to average assets | 0.3444% | 5,005 |
| Noninterest expense to average assets | 2.1171% | 6,091 |
| Loan and lease loss provision to assets | 0.1582% | 3,638 |
| Net operating income to assets | 1.1574% | 1,747 |
| Return on assets (ROA) | 1.1540% | 1,920 |
| Pretax return on assets | 1.8170% | 888 |
| Return on Equity (ROE) | 9.7362% | 2,291 |
| Retained earnings to average equity (ytd only) | -0.0534% | 5,852 |
| Net charge-offs to loans | 0.3906% | 2,689 |
| Credit loss provision to net charge-offs | 78.9474% | 3,865 |
| Earnings coverage of net charge-offs (x) | 9.8816% | 2,207 |
| Efficiency ratio | 51.6669% | 6,484 |
| Assets per employee ($millions) | 5.1874% | 2,004 |
| Cash dividends to net income (ytd only)* | 100.5484% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0248% | 1,954 |
| Loan loss allowance to noncurrent loans | 107.4987% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 2,937 |
| Noncurrent loans to loans | 1.8836% | 2,824 |
| Net loans and leases to total assets | 51.1392% | 5,016 |
| Net loans and leases to deposits | 57.8556% | 5,251 |
| Net loans and leases to core deposits | 58.2951% | 5,516 |
| Total domestic deposits to total assets | 88.3911% | 1,967 |
| Equity capital to assets | 11.5037% | 2,439 |
| Core capital (leverage) ratio | 10.3275% | 2,977 |
| Tier 1 risk-based capital ratio | 16.0475% | 3,136 |
| Total risk-based capital ratio | 17.3031% | 3,086 |
| Memoranda: | ||
| Average total assets | $379,195,400 | 1,718 |
| Average earning assets | $360,742,000 | 1,656 |
| Average equity | $44,945,800 | 1,548 |
| Average total loans | $194,585,000 | 2,050 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 3,007 |
| Cost of funding earning assets | 0.7359% | 3,471 |
| Net interest margin | 3.9159% | 2,854 |
| Noninterest income to average assets | 0.3418% | 5,075 |
| Noninterest expense to average assets | 2.1183% | 6,127 |
| Loan and lease loss provision to assets | 0.1587% | 3,525 |
| Net operating income to assets | 1.1455% | 1,924 |
| Return on assets (ROA) | 1.1717% | 2,019 |
| Pretax return on assets | 1.8312% | 981 |
| Return on Equity (ROE) | 9.8116% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.8116% | 964 |
| Net charge-offs to loans | 0.3100% | 2,891 |
| Credit loss provision to net charge-offs | 100.2227% | 2,952 |
| Earnings coverage of net charge-offs (x) | 12.3074% | 2,010 |
| Efficiency ratio | 52.0812% | 6,444 |
| Assets per employee ($millions) | 4.9460% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 1,767 |
| Loan loss allowance to noncurrent loans | 73.2928% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.1027% | 2,537 |
| Noncurrent loans to loans | 2.9621% | 1,888 |
| Net loans and leases to total assets | 51.9307% | 5,059 |
| Net loans and leases to deposits | 59.9341% | 5,213 |
| Net loans and leases to core deposits | 60.4266% | 5,512 |
| Total domestic deposits to total assets | 86.6464% | 2,885 |
| Equity capital to assets | 12.9862% | 1,595 |
| Core capital (leverage) ratio | 10.7961% | 2,607 |
| Tier 1 risk-based capital ratio | 17.5216% | 2,535 |
| Total risk-based capital ratio | 18.7783% | 2,498 |
| Memoranda: | ||
| Average total assets | $378,027,250 | 1,744 |
| Average earning assets | $359,652,000 | 1,681 |
| Average equity | $45,142,500 | 1,557 |
| Average total loans | $193,140,250 | 2,091 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 3,150 |
| Cost of funding earning assets | 0.7611% | 3,509 |
| Net interest margin | 3.8858% | 2,973 |
| Noninterest income to average assets | 0.2262% | 5,949 |
| Noninterest expense to average assets | 2.0637% | 6,309 |
| Loan and lease loss provision to assets | 0.1571% | 3,550 |
| Net operating income to assets | 1.0999% | 2,048 |
| Return on assets (ROA) | 1.1397% | 2,133 |
| Pretax return on assets | 1.7606% | 1,109 |
| Return on Equity (ROE) | 9.8181% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.8181% | 1,022 |
| Net charge-offs to loans | 0.4762% | 2,161 |
| Credit loss provision to net charge-offs | 65.3595% | 3,681 |
| Earnings coverage of net charge-offs (x) | 7.7255% | 2,429 |
| Efficiency ratio | 52.6442% | 6,449 |
| Assets per employee ($millions) | 5.1797% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1047% | 1,986 |
| Loan loss allowance to noncurrent loans | 72.0782% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.1049% | 2,659 |
| Noncurrent loans to loans | 2.9200% | 2,047 |
| Net loans and leases to total assets | 48.5862% | 5,552 |
| Net loans and leases to deposits | 57.7778% | 5,474 |
| Net loans and leases to core deposits | 58.4184% | 5,745 |
| Total domestic deposits to total assets | 84.0914% | 4,284 |
| Equity capital to assets | 11.9337% | 2,194 |
| Core capital (leverage) ratio | 10.3988% | 2,922 |
| Tier 1 risk-based capital ratio | 16.4769% | 2,931 |
| Total risk-based capital ratio | 17.7324% | 2,892 |
| Memoranda: | ||
| Average total assets | $382,034,670 | 1,728 |
| Average earning assets | $363,167,000 | 1,667 |
| Average equity | $44,346,670 | 1,574 |
| Average total loans | $192,758,000 | 2,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 3,146 |
| Cost of funding earning assets | 0.7938% | 3,525 |
| Net interest margin | 3.8835% | 2,990 |
| Noninterest income to average assets | 0.2091% | 6,126 |
| Noninterest expense to average assets | 1.9936% | 6,474 |
| Loan and lease loss provision to assets | 0.1584% | 3,398 |
| Net operating income to assets | 1.1277% | 1,958 |
| Return on assets (ROA) | 1.1689% | 2,010 |
| Pretax return on assets | 1.8035% | 1,064 |
| Return on Equity (ROE) | 10.2169% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.2169% | 1,212 |
| Net charge-offs to loans | 0.8426% | 1,220 |
| Credit loss provision to net charge-offs | 36.9458% | 3,497 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 2,574 |
| Efficiency ratio | 51.2208% | 6,600 |
| Assets per employee ($millions) | 5.2149% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 2,126 |
| Loan loss allowance to noncurrent loans | 67.3869% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3016% | 2,581 |
| Noncurrent loans to loans | 3.1028% | 2,066 |
| Net loans and leases to total assets | 48.7234% | 5,467 |
| Net loans and leases to deposits | 57.7251% | 5,414 |
| Net loans and leases to core deposits | 58.4489% | 5,675 |
| Total domestic deposits to total assets | 84.4058% | 4,318 |
| Equity capital to assets | 11.5407% | 2,403 |
| Core capital (leverage) ratio | 10.0916% | 3,254 |
| Tier 1 risk-based capital ratio | 16.0425% | 3,153 |
| Total risk-based capital ratio | 17.2980% | 3,117 |
| Memoranda: | ||
| Average total assets | $378,811,500 | 1,747 |
| Average earning assets | $359,266,000 | 1,687 |
| Average equity | $43,340,000 | 1,611 |
| Average total loans | $192,734,000 | 2,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 2,509 |
| Cost of funding earning assets | 1.0090% | 3,303 |
| Net interest margin | 4.0760% | 2,540 |
| Noninterest income to average assets | 0.3191% | 5,258 |
| Noninterest expense to average assets | 2.3771% | 5,836 |
| Loan and lease loss provision to assets | 0.1916% | 4,269 |
| Net operating income to assets | 1.0360% | 2,059 |
| Return on assets (ROA) | 1.0364% | 2,212 |
| Pretax return on assets | 1.5840% | 1,242 |
| Return on Equity (ROE) | 9.6283% | 2,199 |
| Retained earnings to average equity (ytd only) | 8.3545% | 971 |
| Net charge-offs to loans | 0.6707% | 2,481 |
| Credit loss provision to net charge-offs | 51.0949% | 5,398 |
| Earnings coverage of net charge-offs (x) | 4.7343% | 2,996 |
| Efficiency ratio | 57.2502% | 6,159 |
| Assets per employee ($millions) | 5.0937% | 2,079 |
| Cash dividends to net income (ytd only)* | 13.2295% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1513% | 1,894 |
| Loan loss allowance to noncurrent loans | 65.5730% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.5002% | 2,430 |
| Noncurrent loans to loans | 3.2807% | 1,971 |
| Net loans and leases to total assets | 50.8857% | 5,481 |
| Net loans and leases to deposits | 60.2061% | 5,459 |
| Net loans and leases to core deposits | 60.7908% | 5,771 |
| Total domestic deposits to total assets | 84.5192% | 4,084 |
| Equity capital to assets | 11.3404% | 2,651 |
| Core capital (leverage) ratio | 9.8129% | 3,578 |
| Tier 1 risk-based capital ratio | 15.0996% | 3,580 |
| Total risk-based capital ratio | 16.3560% | 3,541 |
| Memoranda: | ||
| Average total assets | $365,409,400 | 1,774 |
| Average earning assets | $343,622,600 | 1,738 |
| Average equity | $39,332,000 | 1,718 |
| Average total loans | $204,252,800 | 2,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 2,332 |
| Cost of funding earning assets | 1.0591% | 3,256 |
| Net interest margin | 4.1051% | 2,452 |
| Noninterest income to average assets | 0.2994% | 5,469 |
| Noninterest expense to average assets | 2.3987% | 5,767 |
| Loan and lease loss provision to assets | 0.1471% | 4,607 |
| Net operating income to assets | 1.0595% | 2,107 |
| Return on assets (ROA) | 1.0599% | 2,247 |
| Pretax return on assets | 1.6090% | 1,361 |
| Return on Equity (ROE) | 9.9863% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.9863% | 851 |
| Net charge-offs to loans | 0.7044% | 2,147 |
| Credit loss provision to net charge-offs | 36.6972% | 5,307 |
| Earnings coverage of net charge-offs (x) | 4.3789% | 3,086 |
| Efficiency ratio | 57.7424% | 6,055 |
| Assets per employee ($millions) | 4.8997% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 2,142 |
| Loan loss allowance to noncurrent loans | 51.8789% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.0834% | 2,077 |
| Noncurrent loans to loans | 3.9917% | 1,662 |
| Net loans and leases to total assets | 54.0100% | 5,158 |
| Net loans and leases to deposits | 64.1228% | 5,155 |
| Net loans and leases to core deposits | 64.7168% | 5,545 |
| Total domestic deposits to total assets | 84.2291% | 4,125 |
| Equity capital to assets | 11.5468% | 2,638 |
| Core capital (leverage) ratio | 9.8272% | 3,675 |
| Tier 1 risk-based capital ratio | 14.5212% | 3,962 |
| Total risk-based capital ratio | 15.7770% | 3,935 |
| Memoranda: | ||
| Average total assets | $362,527,500 | 1,801 |
| Average earning assets | $340,417,750 | 1,753 |
| Average equity | $38,478,500 | 1,752 |
| Average total loans | $206,310,000 | 2,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 2,089 |
| Cost of funding earning assets | 1.1097% | 3,166 |
| Net interest margin | 4.1323% | 2,300 |
| Noninterest income to average assets | 0.2937% | 5,532 |
| Noninterest expense to average assets | 2.4856% | 5,597 |
| Loan and lease loss provision to assets | 0.2217% | 3,700 |
| Net operating income to assets | 0.9682% | 2,361 |
| Return on assets (ROA) | 0.9682% | 2,461 |
| Pretax return on assets | 1.4559% | 1,652 |
| Return on Equity (ROE) | 9.4024% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.4024% | 987 |
| Net charge-offs to loans | 1.1083% | 1,421 |
| Credit loss provision to net charge-offs | 34.7826% | 4,911 |
| Earnings coverage of net charge-offs (x) | 2.6322% | 3,515 |
| Efficiency ratio | 59.7045% | 5,918 |
| Assets per employee ($millions) | 4.9593% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 2,281 |
| Loan loss allowance to noncurrent loans | 62.1078% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.6075% | 2,554 |
| Noncurrent loans to loans | 3.2704% | 2,184 |
| Net loans and leases to total assets | 54.3721% | 5,243 |
| Net loans and leases to deposits | 64.0831% | 5,261 |
| Net loans and leases to core deposits | 64.6719% | 5,651 |
| Total domestic deposits to total assets | 84.8463% | 3,945 |
| Equity capital to assets | 10.7563% | 3,217 |
| Core capital (leverage) ratio | 9.6218% | 3,780 |
| Tier 1 risk-based capital ratio | 14.0252% | 4,155 |
| Total risk-based capital ratio | 15.2808% | 4,124 |
| Memoranda: | ||
| Average total assets | $360,876,670 | 1,821 |
| Average earning assets | $337,922,330 | 1,771 |
| Average equity | $37,160,670 | 1,800 |
| Average total loans | $207,522,330 | 2,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2969% | 1,875 |
| Cost of funding earning assets | 1.1767% | 2,973 |
| Net interest margin | 4.1202% | 2,188 |
| Noninterest income to average assets | 0.2828% | 5,649 |
| Noninterest expense to average assets | 2.5767% | 5,306 |
| Loan and lease loss provision to assets | 0.3354% | 2,549 |
| Net operating income to assets | 0.8295% | 2,885 |
| Return on assets (ROA) | 0.8295% | 2,945 |
| Pretax return on assets | 1.2263% | 2,288 |
| Return on Equity (ROE) | 8.2435% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.2435% | 1,640 |
| Net charge-offs to loans | 0.5424% | 2,137 |
| Credit loss provision to net charge-offs | 105.6338% | 2,521 |
| Earnings coverage of net charge-offs (x) | 4.9190% | 2,371 |
| Efficiency ratio | 62.2636% | 5,639 |
| Assets per employee ($millions) | 4.9384% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,625 |
| Loan loss allowance to noncurrent loans | 87.9304% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 2.5226% | 2,710 |
| Noncurrent loans to loans | 2.7122% | 2,784 |
| Net loans and leases to total assets | 55.6673% | 5,051 |
| Net loans and leases to deposits | 65.6971% | 5,019 |
| Net loans and leases to core deposits | 66.3112% | 5,477 |
| Total domestic deposits to total assets | 84.7333% | 4,157 |
| Equity capital to assets | 10.1433% | 3,600 |
| Core capital (leverage) ratio | 9.0580% | 4,513 |
| Tier 1 risk-based capital ratio | 13.0724% | 4,772 |
| Total risk-based capital ratio | 14.3315% | 4,747 |
| Memoranda: | ||
| Average total assets | $357,822,000 | 1,840 |
| Average earning assets | $334,835,000 | 1,790 |
| Average equity | $36,004,000 | 1,837 |
| Average total loans | $209,446,000 | 2,018 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 2,335 |
| Cost of funding earning assets | 1.3735% | 3,435 |
| Net interest margin | 4.1158% | 2,501 |
| Noninterest income to average assets | 0.3124% | 5,560 |
| Noninterest expense to average assets | 2.7692% | 4,710 |
| Loan and lease loss provision to assets | 0.3781% | 3,852 |
| Net operating income to assets | 0.6962% | 3,240 |
| Return on assets (ROA) | 0.8441% | 2,751 |
| Pretax return on assets | 1.1748% | 2,315 |
| Return on Equity (ROE) | 8.1329% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.1329% | 945 |
| Net charge-offs to loans | 0.3018% | 4,505 |
| Credit loss provision to net charge-offs | 204.7244% | 1,517 |
| Earnings coverage of net charge-offs (x) | 7.2961% | 2,161 |
| Efficiency ratio | 67.2672% | 4,711 |
| Assets per employee ($millions) | 4.9325% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 1,709 |
| Loan loss allowance to noncurrent loans | 59.1289% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 3.3654% | 2,083 |
| Noncurrent loans to loans | 3.8747% | 1,893 |
| Net loans and leases to total assets | 58.6864% | 4,923 |
| Net loans and leases to deposits | 69.0125% | 4,960 |
| Net loans and leases to core deposits | 70.7875% | 5,361 |
| Total domestic deposits to total assets | 85.0375% | 3,832 |
| Equity capital to assets | 9.9794% | 3,764 |
| Core capital (leverage) ratio | 8.9679% | 4,597 |
| Tier 1 risk-based capital ratio | 12.3442% | 5,166 |
| Total risk-based capital ratio | 13.6027% | 5,128 |
| Memoranda: | ||
| Average total assets | $343,813,800 | 1,899 |
| Average earning assets | $317,799,800 | 1,872 |
| Average equity | $35,682,200 | 1,854 |
| Average total loans | $210,383,200 | 2,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 2,221 |
| Cost of funding earning assets | 1.4086% | 3,529 |
| Net interest margin | 4.1495% | 2,406 |
| Noninterest income to average assets | 0.3132% | 5,646 |
| Noninterest expense to average assets | 2.6456% | 5,133 |
| Loan and lease loss provision to assets | 0.5083% | 2,915 |
| Net operating income to assets | 0.7043% | 3,396 |
| Return on assets (ROA) | 0.8735% | 2,853 |
| Pretax return on assets | 1.2184% | 2,425 |
| Return on Equity (ROE) | 8.3335% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.3335% | 1,300 |
| Net charge-offs to loans | 0.2493% | 4,440 |
| Credit loss provision to net charge-offs | 331.6327% | 955 |
| Earnings coverage of net charge-offs (x) | 9.7322% | 1,974 |
| Efficiency ratio | 63.9448% | 5,251 |
| Assets per employee ($millions) | 4.6518% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4460% | 1,402 |
| Loan loss allowance to noncurrent loans | 66.2363% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 3.7142% | 1,913 |
| Noncurrent loans to loans | 3.6928% | 2,108 |
| Net loans and leases to total assets | 60.2512% | 4,857 |
| Net loans and leases to deposits | 72.2561% | 4,801 |
| Net loans and leases to core deposits | 74.5530% | 5,224 |
| Total domestic deposits to total assets | 83.3856% | 4,422 |
| Equity capital to assets | 11.1884% | 2,783 |
| Core capital (leverage) ratio | 9.5391% | 3,845 |
| Tier 1 risk-based capital ratio | 13.1256% | 4,478 |
| Total risk-based capital ratio | 14.3860% | 4,450 |
| Memoranda: | ||
| Average total assets | $340,982,250 | 1,944 |
| Average earning assets | $314,249,000 | 1,918 |
| Average equity | $35,742,500 | 1,872 |
| Average total loans | $209,652,500 | 2,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 2,287 |
| Cost of funding earning assets | 1.4479% | 3,572 |
| Net interest margin | 4.1140% | 2,488 |
| Noninterest income to average assets | 0.3140% | 5,650 |
| Noninterest expense to average assets | 2.4988% | 5,721 |
| Loan and lease loss provision to assets | 0.5857% | 2,434 |
| Net operating income to assets | 0.7058% | 3,379 |
| Return on assets (ROA) | 0.9407% | 2,492 |
| Pretax return on assets | 1.3413% | 1,970 |
| Return on Equity (ROE) | 9.1792% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.1792% | 1,058 |
| Net charge-offs to loans | -0.3883% | 7,710 |
| Credit loss provision to net charge-offs | -245.7002% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0912% | 5,834 |
| Assets per employee ($millions) | 4.7506% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6402% | 1,145 |
| Loan loss allowance to noncurrent loans | 57.6919% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 4.1404% | 1,639 |
| Noncurrent loans to loans | 4.5764% | 1,580 |
| Net loans and leases to total assets | 60.6862% | 4,932 |
| Net loans and leases to deposits | 71.9302% | 5,006 |
| Net loans and leases to core deposits | 74.2402% | 5,418 |
| Total domestic deposits to total assets | 84.3681% | 3,926 |
| Equity capital to assets | 10.5261% | 3,378 |
| Core capital (leverage) ratio | 9.2457% | 4,219 |
| Tier 1 risk-based capital ratio | 12.3465% | 4,998 |
| Total risk-based capital ratio | 13.6089% | 4,965 |
| Memoranda: | ||
| Average total assets | $341,448,000 | 1,954 |
| Average earning assets | $313,419,670 | 1,944 |
| Average equity | $34,992,000 | 1,911 |
| Average total loans | $209,625,330 | 2,127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 2,803 |
| Cost of funding earning assets | 1.5093% | 3,495 |
| Net interest margin | 3.9457% | 3,126 |
| Noninterest income to average assets | 0.2943% | 5,790 |
| Noninterest expense to average assets | 2.2923% | 6,402 |
| Loan and lease loss provision to assets | 1.1725% | 1,043 |
| Net operating income to assets | 0.3788% | 4,936 |
| Return on assets (ROA) | 0.5968% | 4,056 |
| Pretax return on assets | 0.7152% | 4,183 |
| Return on Equity (ROE) | 5.9038% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.9038% | 2,664 |
| Net charge-offs to loans | -0.6351% | 7,821 |
| Credit loss provision to net charge-offs | -303.0303% | 6,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5154% | 6,408 |
| Assets per employee ($millions) | 4.6977% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6757% | 1,101 |
| Loan loss allowance to noncurrent loans | 47.2953% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 5.0060% | 1,284 |
| Noncurrent loans to loans | 5.6575% | 1,211 |
| Net loans and leases to total assets | 59.7049% | 5,168 |
| Net loans and leases to deposits | 70.4243% | 5,276 |
| Net loans and leases to core deposits | 73.3514% | 5,568 |
| Total domestic deposits to total assets | 84.7789% | 3,768 |
| Equity capital to assets | 10.3094% | 3,463 |
| Core capital (leverage) ratio | 8.8846% | 4,751 |
| Tier 1 risk-based capital ratio | 12.0481% | 5,148 |
| Total risk-based capital ratio | 13.3102% | 5,100 |
| Memoranda: | ||
| Average total assets | $341,149,500 | 2,011 |
| Average earning assets | $313,251,500 | 1,992 |
| Average equity | $34,486,000 | 1,958 |
| Average total loans | $207,836,500 | 2,196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 3,772 |
| Cost of funding earning assets | 1.9833% | 3,040 |
| Net interest margin | 3.5839% | 4,605 |
| Noninterest income to average assets | 0.3370% | 5,680 |
| Noninterest expense to average assets | 2.9573% | 4,315 |
| Loan and lease loss provision to assets | 0.8907% | 2,518 |
| Net operating income to assets | -0.0066% | 5,494 |
| Return on assets (ROA) | 0.2307% | 4,867 |
| Pretax return on assets | 0.0009% | 5,444 |
| Return on Equity (ROE) | 2.3411% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.3411% | 3,480 |
| Net charge-offs to loans | 8.4637% | 69 |
| Credit loss provision to net charge-offs | 16.8726% | 6,949 |
| Earnings coverage of net charge-offs (x) | 0.1239% | 6,038 |
| Efficiency ratio | 81.8854% | 2,615 |
| Assets per employee ($millions) | 4.7132% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 1,959 |
| Loan loss allowance to noncurrent loans | 38.1116% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 4.8787% | 1,280 |
| Noncurrent loans to loans | 5.3214% | 1,233 |
| Net loans and leases to total assets | 59.2785% | 5,452 |
| Net loans and leases to deposits | 69.6690% | 5,649 |
| Net loans and leases to core deposits | 78.3389% | 6,236 |
| Total domestic deposits to total assets | 85.0859% | 3,515 |
| Equity capital to assets | 9.9115% | 3,882 |
| Core capital (leverage) ratio | 8.6665% | 4,981 |
| Tier 1 risk-based capital ratio | 11.6199% | 5,277 |
| Total risk-based capital ratio | 12.8532% | 5,247 |
| Memoranda: | ||
| Average total assets | $348,053,600 | 1,958 |
| Average earning assets | $318,005,600 | 1,965 |
| Average equity | $34,300,200 | 1,962 |
| Average total loans | $217,079,400 | 2,129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 3,938 |
| Cost of funding earning assets | 2.0922% | 2,923 |
| Net interest margin | 3.4953% | 4,878 |
| Noninterest income to average assets | 0.3564% | 5,643 |
| Noninterest expense to average assets | 2.6769% | 5,423 |
| Loan and lease loss provision to assets | 0.4355% | 3,725 |
| Net operating income to assets | 0.4377% | 4,241 |
| Return on assets (ROA) | 0.7273% | 3,174 |
| Pretax return on assets | 0.7250% | 3,773 |
| Return on Equity (ROE) | 7.3904% | 2,909 |
| Retained earnings to average equity (ytd only) | 7.3904% | 1,355 |
| Net charge-offs to loans | 6.3812% | 129 |
| Credit loss provision to net charge-offs | 10.8613% | 6,614 |
| Earnings coverage of net charge-offs (x) | 0.2172% | 5,803 |
| Efficiency ratio | 75.4522% | 3,597 |
| Assets per employee ($millions) | 4.4677% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7394% | 165 |
| Loan loss allowance to noncurrent loans | 55.5227% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 7.4406% | 607 |
| Noncurrent loans to loans | 8.5359% | 543 |
| Net loans and leases to total assets | 60.0200% | 5,576 |
| Net loans and leases to deposits | 71.8613% | 5,675 |
| Net loans and leases to core deposits | 81.4472% | 6,237 |
| Total domestic deposits to total assets | 83.5219% | 3,947 |
| Equity capital to assets | 10.6199% | 3,382 |
| Core capital (leverage) ratio | 8.1416% | 6,118 |
| Tier 1 risk-based capital ratio | 11.1517% | 5,809 |
| Total risk-based capital ratio | 12.4363% | 5,718 |
| Memoranda: | ||
| Average total assets | $349,051,000 | 1,962 |
| Average earning assets | $318,703,500 | 1,976 |
| Average equity | $34,349,750 | 1,977 |
| Average total loans | $219,304,750 | 2,132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6077% | 4,038 |
| Cost of funding earning assets | 2.1542% | 3,022 |
| Net interest margin | 3.4535% | 4,977 |
| Noninterest income to average assets | 0.3736% | 5,519 |
| Noninterest expense to average assets | 2.2355% | 6,961 |
| Loan and lease loss provision to assets | 0.6246% | 2,556 |
| Net operating income to assets | 0.5908% | 3,713 |
| Return on assets (ROA) | 0.9664% | 2,324 |
| Pretax return on assets | 1.0777% | 2,708 |
| Return on Equity (ROE) | 10.0770% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.0770% | 718 |
| Net charge-offs to loans | 9.9694% | 55 |
| Credit loss provision to net charge-offs | 9.9809% | 6,188 |
| Earnings coverage of net charge-offs (x) | 0.2053% | 5,466 |
| Efficiency ratio | 63.5000% | 6,003 |
| Assets per employee ($millions) | 4.6676% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4168% | 183 |
| Loan loss allowance to noncurrent loans | 53.4234% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 7.4469% | 539 |
| Noncurrent loans to loans | 8.2676% | 517 |
| Net loans and leases to total assets | 58.4059% | 5,908 |
| Net loans and leases to deposits | 68.4325% | 6,140 |
| Net loans and leases to core deposits | 76.2633% | 6,654 |
| Total domestic deposits to total assets | 85.3481% | 3,089 |
| Equity capital to assets | 9.6389% | 4,441 |
| Core capital (leverage) ratio | 8.3029% | 5,793 |
| Tier 1 risk-based capital ratio | 10.9117% | 5,970 |
| Total risk-based capital ratio | 12.1915% | 5,880 |
| Memoranda: | ||
| Average total assets | $352,220,670 | 1,964 |
| Average earning assets | $320,950,670 | 1,974 |
| Average equity | $33,780,000 | 2,008 |
| Average total loans | $221,095,670 | 2,147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 3,786 |
| Cost of funding earning assets | 2.2325% | 3,003 |
| Net interest margin | 3.4712% | 4,847 |
| Noninterest income to average assets | 0.3978% | 5,224 |
| Noninterest expense to average assets | 2.0424% | 7,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1790% | 1,717 |
| Return on assets (ROA) | 1.4862% | 1,037 |
| Pretax return on assets | 1.9193% | 766 |
| Return on Equity (ROE) | 15.5361% | 888 |
| Retained earnings to average equity (ytd only) | 15.5361% | 368 |
| Net charge-offs to loans | 19.2384% | 18 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.1242% | 4,875 |
| Efficiency ratio | 57.3257% | 6,784 |
| Assets per employee ($millions) | 4.6159% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0306% | 215 |
| Loan loss allowance to noncurrent loans | 38.9062% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 7.9303% | 376 |
| Noncurrent loans to loans | 10.3598% | 270 |
| Net loans and leases to total assets | 59.4361% | 5,750 |
| Net loans and leases to deposits | 70.2876% | 5,952 |
| Net loans and leases to core deposits | 78.7823% | 6,477 |
| Total domestic deposits to total assets | 84.5613% | 3,431 |
| Equity capital to assets | 9.8057% | 4,234 |
| Core capital (leverage) ratio | 8.1991% | 6,105 |
| Tier 1 risk-based capital ratio | 10.7354% | 6,152 |
| Total risk-based capital ratio | 12.0111% | 6,039 |
| Memoranda: | ||
| Average total assets | $350,961,000 | 1,982 |
| Average earning assets | $320,005,000 | 1,986 |
| Average equity | $33,573,500 | 2,020 |
| Average total loans | $223,262,000 | 2,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2094% | 4,470 |
| Cost of funding earning assets | 2.6183% | 3,586 |
| Net interest margin | 3.5912% | 4,931 |
| Noninterest income to average assets | 0.3274% | 6,102 |
| Noninterest expense to average assets | 2.6970% | 5,277 |
| Loan and lease loss provision to assets | 5.3844% | 88 |
| Net operating income to assets | -2.3430% | 7,666 |
| Return on assets (ROA) | -2.5262% | 7,686 |
| Pretax return on assets | -4.7043% | 7,990 |
| Return on Equity (ROE) | -23.1348% | 7,829 |
| Retained earnings to average equity (ytd only) | -23.1348% | 7,763 |
| Net charge-offs to loans | 1.9268% | 568 |
| Credit loss provision to net charge-offs | 438.9060% | 997 |
| Earnings coverage of net charge-offs (x) | 0.7876% | 5,757 |
| Efficiency ratio | 73.6241% | 3,639 |
| Assets per employee ($millions) | 4.5599% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5034% | 18 |
| Loan loss allowance to noncurrent loans | 61.9833% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 9.8706% | 168 |
| Noncurrent loans to loans | 13.7189% | 87 |
| Net loans and leases to total assets | 59.7428% | 5,949 |
| Net loans and leases to deposits | 70.0598% | 6,274 |
| Net loans and leases to core deposits | 78.8911% | 6,697 |
| Total domestic deposits to total assets | 85.2741% | 2,717 |
| Equity capital to assets | 9.3269% | 4,907 |
| Core capital (leverage) ratio | 7.7985% | 6,803 |
| Tier 1 risk-based capital ratio | 10.4363% | 6,281 |
| Total risk-based capital ratio | 11.7650% | 6,078 |
| Memoranda: | ||
| Average total assets | $344,237,800 | 1,932 |
| Average earning assets | $319,755,400 | 1,905 |
| Average equity | $37,588,400 | 1,799 |
| Average total loans | $219,174,600 | 2,134 |