Home > The Bankers Bank > Performance and Condition Ratios
The Bankers 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 | 6.2345% | 472 |
| Cost of funding earning assets | 2.4365% | 420 |
| Net interest margin | 3.7981% | 1,566 |
| Noninterest income to average assets | 4.5200% | 132 |
| Noninterest expense to average assets | 6.2949% | 166 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2600% | 1,522 |
| Return on assets (ROA) | 1.2600% | 1,490 |
| Pretax return on assets | 1.6180% | 1,203 |
| Return on Equity (ROE) | 9.2700% | 2,691 |
| Retained earnings to average equity (ytd only) | 6.4302% | 2,082 |
| Net charge-offs to loans | 0.0094% | 2,300 |
| Credit loss provision to net charge-offs | 588.2353% | 599 |
| Earnings coverage of net charge-offs (x) | 233.7059% | 527 |
| Efficiency ratio | 79.1345% | 976 |
| Assets per employee ($millions) | 4.0475% | 4,144 |
| Cash dividends to net income (ytd only)* | 30.6034% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 882 |
| Loan loss allowance to noncurrent loans | 16,216.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,744 |
| Noncurrent loans to loans | 0.0097% | 3,699 |
| Net loans and leases to total assets | 76.3500% | 1,073 |
| Net loans and leases to deposits | 96.3308% | 758 |
| Net loans and leases to core deposits | 149.7807% | 205 |
| Total domestic deposits to total assets | 79.2600% | 3,572 |
| Equity capital to assets | 14.2240% | 642 |
| Core capital (leverage) ratio | 14.4230% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $239,370,000 | 2,742 |
| Average earning assets | $216,583,800 | 2,761 |
| Average equity | $32,549,600 | 2,163 |
| Average total loans | $180,248,600 | 2,441 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0479% | 497 |
| Cost of funding earning assets | 2.2807% | 427 |
| Net interest margin | 3.7672% | 1,657 |
| Noninterest income to average assets | 4.5400% | 136 |
| Noninterest expense to average assets | 6.3082% | 170 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1779% | 1,854 |
| Return on assets (ROA) | 1.1779% | 1,838 |
| Pretax return on assets | 1.5899% | 1,385 |
| Return on Equity (ROE) | 8.7600% | 2,995 |
| Retained earnings to average equity (ytd only) | 4.9406% | 2,953 |
| Net charge-offs to loans | 0.0097% | 2,044 |
| Credit loss provision to net charge-offs | 769.2308% | 482 |
| Earnings coverage of net charge-offs (x) | 227.3846% | 544 |
| Efficiency ratio | 79.3113% | 904 |
| Assets per employee ($millions) | 4.1407% | 4,104 |
| Cash dividends to net income (ytd only)* | 43.6200% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 794 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,827 |
| Noncurrent loans to loans | 0.0059% | 3,767 |
| Net loans and leases to total assets | 75.8900% | 1,137 |
| Net loans and leases to deposits | 101.4732% | 453 |
| Net loans and leases to core deposits | 162.6355% | 99 |
| Total domestic deposits to total assets | 74.7900% | 4,104 |
| Equity capital to assets | 13.7167% | 692 |
| Core capital (leverage) ratio | 13.2023% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,512,250 | 2,747 |
| Average earning assets | $216,884,250 | 2,775 |
| Average equity | $32,195,250 | 2,163 |
| Average total loans | $178,998,250 | 2,460 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6598% | 677 |
| Cost of funding earning assets | 2.0412% | 449 |
| Net interest margin | 3.6185% | 1,993 |
| Noninterest income to average assets | 4.7800% | 126 |
| Noninterest expense to average assets | 6.3461% | 164 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2136% | 1,796 |
| Return on assets (ROA) | 1.2136% | 1,779 |
| Pretax return on assets | 1.6340% | 1,352 |
| Return on Equity (ROE) | 9.0900% | 2,965 |
| Retained earnings to average equity (ytd only) | 3.3118% | 3,401 |
| Net charge-offs to loans | 0.0079% | 1,926 |
| Credit loss provision to net charge-offs | 1,428.5714% | 330 |
| Earnings coverage of net charge-offs (x) | 293.5714% | 458 |
| Efficiency ratio | 78.7002% | 948 |
| Assets per employee ($millions) | 4.3340% | 4,040 |
| Cash dividends to net income (ytd only)* | 63.5675% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 880 |
| Loan loss allowance to noncurrent loans | 32,777.7778% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,852 |
| Noncurrent loans to loans | 0.0050% | 3,773 |
| Net loans and leases to total assets | 72.1000% | 1,520 |
| Net loans and leases to deposits | 92.1881% | 1,011 |
| Net loans and leases to core deposits | 142.0223% | 197 |
| Total domestic deposits to total assets | 78.2100% | 3,825 |
| Equity capital to assets | 13.0766% | 793 |
| Core capital (leverage) ratio | 13.9962% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $239,296,667 | 2,754 |
| Average earning assets | $216,829,000 | 2,782 |
| Average equity | $31,946,333 | 2,190 |
| Average total loans | $176,898,333 | 2,475 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 602 |
| Cost of funding earning assets | 1.8232% | 430 |
| Net interest margin | 3.6953% | 1,908 |
| Noninterest income to average assets | 4.6400% | 133 |
| Noninterest expense to average assets | 6.3153% | 170 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.1893% | 1,958 |
| Return on assets (ROA) | 1.1893% | 1,920 |
| Pretax return on assets | 1.5852% | 1,503 |
| Return on Equity (ROE) | 8.8100% | 3,101 |
| Retained earnings to average equity (ytd only) | -2.8079% | 4,238 |
| Net charge-offs to loans | 0.0046% | 1,804 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 491.5000% | 230 |
| Efficiency ratio | 79.0851% | 898 |
| Assets per employee ($millions) | 3.9825% | 4,257 |
| Cash dividends to net income (ytd only)* | 131.8571% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 606 |
| Loan loss allowance to noncurrent loans | 23,200.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,828 |
| Noncurrent loans to loans | 0.0080% | 3,778 |
| Net loans and leases to total assets | 74.6900% | 1,115 |
| Net loans and leases to deposits | 102.4673% | 346 |
| Net loans and leases to core deposits | 138.7290% | 195 |
| Total domestic deposits to total assets | 72.8900% | 4,324 |
| Equity capital to assets | 13.6750% | 641 |
| Core capital (leverage) ratio | 13.9975% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $235,427,000 | 2,815 |
| Average earning assets | $213,027,500 | 2,837 |
| Average equity | $31,767,500 | 2,223 |
| Average total loans | $174,816,000 | 2,509 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 1,077 |
| Cost of funding earning assets | 0.6883% | 614 |
| Net interest margin | 3.5976% | 1,651 |
| Noninterest income to average assets | 5.4300% | 124 |
| Noninterest expense to average assets | 6.7157% | 155 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4254% | 1,061 |
| Return on assets (ROA) | 1.4254% | 1,027 |
| Pretax return on assets | 1.8896% | 600 |
| Return on Equity (ROE) | 9.7700% | 2,876 |
| Retained earnings to average equity (ytd only) | 5.1484% | 2,984 |
| Net charge-offs to loans | 0.0224% | 1,615 |
| Credit loss provision to net charge-offs | 214.2857% | 1,075 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 899 |
| Efficiency ratio | 77.7205% | 867 |
| Assets per employee ($millions) | 4.1357% | 4,234 |
| Cash dividends to net income (ytd only)* | 47.3054% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 765 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.2300% | 1,499 |
| Net loans and leases to deposits | 104.6090% | 276 |
| Net loans and leases to core deposits | 124.7064% | 295 |
| Total domestic deposits to total assets | 68.0900% | 4,505 |
| Equity capital to assets | 13.3189% | 656 |
| Core capital (leverage) ratio | 15.0973% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $210,892,600 | 2,971 |
| Average earning assets | $188,429,800 | 3,008 |
| Average equity | $30,767,000 | 2,304 |
| Average total loans | $156,184,400 | 2,576 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 1,188 |
| Cost of funding earning assets | 0.4592% | 943 |
| Net interest margin | 3.5794% | 1,442 |
| Noninterest income to average assets | 5.5600% | 128 |
| Noninterest expense to average assets | 6.8646% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3539% | 1,206 |
| Return on assets (ROA) | 1.3539% | 1,182 |
| Pretax return on assets | 1.8803% | 614 |
| Return on Equity (ROE) | 9.0500% | 3,016 |
| Retained earnings to average equity (ytd only) | 2.8266% | 3,823 |
| Net charge-offs to loans | 0.0264% | 1,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 95.7333% | 968 |
| Efficiency ratio | 78.4982% | 874 |
| Assets per employee ($millions) | 3.4328% | 4,492 |
| Cash dividends to net income (ytd only)* | 68.7621% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 457 |
| Loan loss allowance to noncurrent loans | 98,000.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,019 |
| Noncurrent loans to loans | 0.0021% | 3,961 |
| Net loans and leases to total assets | 75.5900% | 952 |
| Net loans and leases to deposits | 94.7284% | 608 |
| Net loans and leases to core deposits | 107.1152% | 556 |
| Total domestic deposits to total assets | 79.8000% | 4,117 |
| Equity capital to assets | 16.7231% | 336 |
| Core capital (leverage) ratio | 15.9167% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $203,648,250 | 3,043 |
| Average earning assets | $181,178,750 | 3,081 |
| Average equity | $30,471,750 | 2,346 |
| Average total loans | $151,763,250 | 2,621 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 1,595 |
| Cost of funding earning assets | 0.3151% | 1,576 |
| Net interest margin | 3.3640% | 1,703 |
| Noninterest income to average assets | 5.3256% | 93 |
| Noninterest expense to average assets | 6.5109% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2806% | 1,193 |
| Return on assets (ROA) | 1.2806% | 1,178 |
| Pretax return on assets | 1.8175% | 573 |
| Return on Equity (ROE) | 8.8660% | 2,740 |
| Retained earnings to average equity (ytd only) | -0.5215% | 4,240 |
| Net charge-offs to loans | 0.0233% | 1,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 105.8889% | 788 |
| Efficiency ratio | 78.1772% | 1,074 |
| Assets per employee ($millions) | 3.7669% | 4,466 |
| Cash dividends to net income (ytd only)* | 105.8824% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 697 |
| 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 | 74.5136% | 861 |
| Net loans and leases to deposits | 89.9901% | 719 |
| Net loans and leases to core deposits | 102.0809% | 587 |
| Total domestic deposits to total assets | 82.8020% | 3,900 |
| Equity capital to assets | 14.6505% | 442 |
| Core capital (leverage) ratio | 15.2385% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,740,333 | 3,031 |
| Average earning assets | $187,219,667 | 3,083 |
| Average equity | $30,295,667 | 2,400 |
| Average total loans | $154,662,000 | 2,601 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 1,703 |
| Cost of funding earning assets | 0.3014% | 1,646 |
| Net interest margin | 3.2285% | 1,792 |
| Noninterest income to average assets | 5.1256% | 103 |
| Noninterest expense to average assets | 6.2383% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2397% | 1,143 |
| Return on assets (ROA) | 1.2397% | 1,130 |
| Pretax return on assets | 1.7704% | 583 |
| Return on Equity (ROE) | 8.6431% | 2,458 |
| Retained earnings to average equity (ytd only) | -10.1497% | 4,565 |
| Net charge-offs to loans | 0.0130% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 186.8000% | 453 |
| Efficiency ratio | 77.8935% | 1,323 |
| Assets per employee ($millions) | 3.6769% | 4,508 |
| Cash dividends to net income (ytd only)* | 217.4312% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 659 |
| 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 | 70.5270% | 968 |
| Net loans and leases to deposits | 85.3563% | 785 |
| Net loans and leases to core deposits | 96.7021% | 627 |
| Total domestic deposits to total assets | 82.6266% | 3,995 |
| Equity capital to assets | 14.2191% | 492 |
| Core capital (leverage) ratio | 14.0712% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,020,000 | 3,032 |
| Average earning assets | $188,446,000 | 3,090 |
| Average equity | $30,267,000 | 2,471 |
| Average total loans | $153,328,000 | 2,605 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 1,438 |
| Cost of funding earning assets | 0.3777% | 1,698 |
| Net interest margin | 3.5902% | 1,495 |
| Noninterest income to average assets | 5.5423% | 100 |
| Noninterest expense to average assets | 6.3588% | 118 |
| Loan and lease loss provision to assets | 0.1379% | 877 |
| Net operating income to assets | 1.5079% | 991 |
| Return on assets (ROA) | 1.5083% | 1,039 |
| Pretax return on assets | 2.1682% | 442 |
| Return on Equity (ROE) | 10.4821% | 2,355 |
| Retained earnings to average equity (ytd only) | 10.4821% | 809 |
| Net charge-offs to loans | 0.0098% | 2,192 |
| Credit loss provision to net charge-offs | 1,866.6667% | 326 |
| Earnings coverage of net charge-offs (x) | 312.1333% | 392 |
| Efficiency ratio | 73.3902% | 1,377 |
| Assets per employee ($millions) | 3.7273% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.9715% | 844 |
| Net loans and leases to deposits | 86.3208% | 762 |
| Net loans and leases to core deposits | 97.1949% | 650 |
| Total domestic deposits to total assets | 83.3767% | 3,725 |
| Equity capital to assets | 14.4657% | 585 |
| Core capital (leverage) ratio | 13.8333% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,073,000 | 3,042 |
| Average earning assets | $176,594,000 | 3,121 |
| Average equity | $29,221,200 | 2,584 |
| Average total loans | $153,439,800 | 2,601 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 1,439 |
| Cost of funding earning assets | 0.3998% | 1,697 |
| Net interest margin | 3.6448% | 1,482 |
| Noninterest income to average assets | 5.5630% | 106 |
| Noninterest expense to average assets | 6.3673% | 116 |
| Loan and lease loss provision to assets | 0.1858% | 567 |
| Net operating income to assets | 1.4349% | 1,429 |
| Return on assets (ROA) | 1.4354% | 1,494 |
| Pretax return on assets | 2.1588% | 596 |
| Return on Equity (ROE) | 9.9894% | 2,738 |
| Retained earnings to average equity (ytd only) | 9.9894% | 1,314 |
| Net charge-offs to loans | 0.0148% | 1,792 |
| Credit loss provision to net charge-offs | 1,647.0588% | 374 |
| Earnings coverage of net charge-offs (x) | 207.5882% | 540 |
| Efficiency ratio | 73.0919% | 1,295 |
| Assets per employee ($millions) | 3.6353% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.6412% | 498 |
| Net loans and leases to deposits | 91.9276% | 500 |
| Net loans and leases to core deposits | 103.6085% | 469 |
| Total domestic deposits to total assets | 83.3713% | 3,618 |
| Equity capital to assets | 14.1610% | 696 |
| Core capital (leverage) ratio | 14.0763% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,727,500 | 3,093 |
| Average earning assets | $173,395,750 | 3,187 |
| Average equity | $28,843,250 | 2,634 |
| Average total loans | $152,830,500 | 2,643 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 1,298 |
| Cost of funding earning assets | 0.4331% | 1,637 |
| Net interest margin | 3.6939% | 1,365 |
| Noninterest income to average assets | 5.5393% | 101 |
| Noninterest expense to average assets | 6.2223% | 119 |
| Loan and lease loss provision to assets | 0.2838% | 316 |
| Net operating income to assets | 1.4066% | 1,548 |
| Return on assets (ROA) | 1.4066% | 1,613 |
| Pretax return on assets | 2.2052% | 570 |
| Return on Equity (ROE) | 9.7386% | 2,864 |
| Retained earnings to average equity (ytd only) | 9.7386% | 1,486 |
| Net charge-offs to loans | 0.0282% | 1,385 |
| Credit loss provision to net charge-offs | 1,333.3333% | 387 |
| Earnings coverage of net charge-offs (x) | 116.9524% | 679 |
| Efficiency ratio | 71.4286% | 1,486 |
| Assets per employee ($millions) | 3.3702% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.5022% | 545 |
| Net loans and leases to deposits | 92.5012% | 520 |
| Net loans and leases to core deposits | 105.7903% | 475 |
| Total domestic deposits to total assets | 82.7041% | 3,768 |
| Equity capital to assets | 14.8782% | 549 |
| Core capital (leverage) ratio | 14.7660% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,354,667 | 3,120 |
| Average earning assets | $169,467,000 | 3,227 |
| Average equity | $28,505,000 | 2,643 |
| Average total loans | $148,919,667 | 2,696 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 1,752 |
| Cost of funding earning assets | 0.4861% | 1,480 |
| Net interest margin | 3.4453% | 1,977 |
| Noninterest income to average assets | 5.3557% | 117 |
| Noninterest expense to average assets | 5.6159% | 138 |
| Loan and lease loss provision to assets | 0.4841% | 141 |
| Net operating income to assets | 2.0918% | 499 |
| Return on assets (ROA) | 2.0918% | 538 |
| Pretax return on assets | 2.2008% | 686 |
| Return on Equity (ROE) | 14.7009% | 1,275 |
| Retained earnings to average equity (ytd only) | 14.7009% | 659 |
| Net charge-offs to loans | 0.0544% | 966 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 66.5500% | 775 |
| Efficiency ratio | 67.6549% | 1,984 |
| Assets per employee ($millions) | 3.5169% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9732% | 630 |
| Loan loss allowance to noncurrent loans | 287.8937% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 1,896 |
| Noncurrent loans to loans | 0.6854% | 1,871 |
| Net loans and leases to total assets | 71.2386% | 1,120 |
| Net loans and leases to deposits | 85.2957% | 1,018 |
| Net loans and leases to core deposits | 95.3673% | 913 |
| Total domestic deposits to total assets | 83.5196% | 3,566 |
| Equity capital to assets | 14.0856% | 654 |
| Core capital (leverage) ratio | 14.3374% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,295,000 | 3,104 |
| Average earning assets | $169,504,500 | 3,221 |
| Average equity | $28,216,000 | 2,657 |
| Average total loans | $147,126,500 | 2,726 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,020 |
| Cost of funding earning assets | 0.8058% | 1,182 |
| Net interest margin | 3.0964% | 3,636 |
| Noninterest income to average assets | 4.6117% | 120 |
| Noninterest expense to average assets | 13.7795% | 53 |
| Loan and lease loss provision to assets | 0.3580% | 950 |
| Net operating income to assets | -4.4884% | 4,984 |
| Return on assets (ROA) | -4.4884% | 4,985 |
| Pretax return on assets | -6.8034% | 4,996 |
| Return on Equity (ROE) | -30.4223% | 4,988 |
| Retained earnings to average equity (ytd only) | -30.4223% | 4,978 |
| Net charge-offs to loans | 0.2011% | 858 |
| Credit loss provision to net charge-offs | 258.7859% | 1,894 |
| Earnings coverage of net charge-offs (x) | -46.5942% | 3,430 |
| Efficiency ratio | 187.8819% | 24 |
| Assets per employee ($millions) | 3.2101% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 785 |
| Loan loss allowance to noncurrent loans | 209.8526% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 1,564 |
| Noncurrent loans to loans | 0.8828% | 1,599 |
| Net loans and leases to total assets | 74.4045% | 970 |
| Net loans and leases to deposits | 89.4591% | 963 |
| Net loans and leases to core deposits | 102.5518% | 787 |
| Total domestic deposits to total assets | 83.1715% | 3,360 |
| Equity capital to assets | 14.3815% | 707 |
| Core capital (leverage) ratio | 14.7700% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,270,600 | 2,754 |
| Average earning assets | $198,939,200 | 2,836 |
| Average equity | $33,383,400 | 2,321 |
| Average total loans | $155,676,800 | 2,610 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,191 |
| Cost of funding earning assets | 0.8513% | 1,254 |
| Net interest margin | 3.0685% | 3,814 |
| Noninterest income to average assets | 4.3705% | 122 |
| Noninterest expense to average assets | 15.8812% | 45 |
| Loan and lease loss provision to assets | 0.3238% | 1,211 |
| Net operating income to assets | -6.6186% | 5,019 |
| Return on assets (ROA) | -6.6186% | 5,020 |
| Pretax return on assets | -9.1109% | 5,028 |
| Return on Equity (ROE) | -44.6294% | 5,021 |
| Retained earnings to average equity (ytd only) | -44.6294% | 5,011 |
| Net charge-offs to loans | 0.2581% | 596 |
| Credit loss provision to net charge-offs | 186.2745% | 2,161 |
| Earnings coverage of net charge-offs (x) | -50.5458% | 3,227 |
| Efficiency ratio | 223.8648% | 18 |
| Assets per employee ($millions) | 3.2386% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 869 |
| Loan loss allowance to noncurrent loans | 183.9286% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 1,756 |
| Noncurrent loans to loans | 0.9338% | 1,604 |
| Net loans and leases to total assets | 69.3280% | 2,056 |
| Net loans and leases to deposits | 84.3820% | 1,867 |
| Net loans and leases to core deposits | 107.5313% | 786 |
| Total domestic deposits to total assets | 82.1597% | 3,381 |
| Equity capital to assets | 12.7597% | 1,300 |
| Core capital (leverage) ratio | 12.9945% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,686,250 | 2,675 |
| Average earning assets | $208,304,000 | 2,743 |
| Average equity | $34,804,250 | 2,235 |
| Average total loans | $158,092,500 | 2,590 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,189 |
| Cost of funding earning assets | 0.9147% | 1,303 |
| Net interest margin | 3.1379% | 3,817 |
| Noninterest income to average assets | 4.1028% | 123 |
| Noninterest expense to average assets | 6.5185% | 121 |
| Loan and lease loss provision to assets | 0.2695% | 1,590 |
| Net operating income to assets | 0.0792% | 4,708 |
| Return on assets (ROA) | 0.0792% | 4,734 |
| Pretax return on assets | 0.1135% | 4,713 |
| Return on Equity (ROE) | 0.5142% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.5142% | 4,209 |
| Net charge-offs to loans | 0.0528% | 1,735 |
| Credit loss provision to net charge-offs | 767.4419% | 935 |
| Earnings coverage of net charge-offs (x) | 10.9070% | 2,123 |
| Efficiency ratio | 94.4504% | 285 |
| Assets per employee ($millions) | 3.1618% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 866 |
| Loan loss allowance to noncurrent loans | 112.7429% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 1,067 |
| Noncurrent loans to loans | 1.4859% | 1,019 |
| Net loans and leases to total assets | 71.2544% | 1,837 |
| Net loans and leases to deposits | 90.3500% | 1,320 |
| Net loans and leases to core deposits | 116.1685% | 531 |
| Total domestic deposits to total assets | 78.8648% | 4,059 |
| Equity capital to assets | 18.3851% | 273 |
| Core capital (leverage) ratio | 17.3622% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,904,000 | 2,574 |
| Average earning assets | $218,424,667 | 2,644 |
| Average equity | $37,727,667 | 2,094 |
| Average total loans | $162,815,333 | 2,542 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 3,586 |
| Cost of funding earning assets | 1.1141% | 1,005 |
| Net interest margin | 2.9627% | 4,344 |
| Noninterest income to average assets | 3.7249% | 119 |
| Noninterest expense to average assets | 6.1966% | 141 |
| Loan and lease loss provision to assets | 0.1361% | 2,023 |
| Net operating income to assets | 0.0741% | 4,684 |
| Return on assets (ROA) | 0.0741% | 4,677 |
| Pretax return on assets | 0.1058% | 4,656 |
| Return on Equity (ROE) | 0.5199% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.5199% | 3,869 |
| Net charge-offs to loans | 0.0895% | 1,156 |
| Credit loss provision to net charge-offs | 236.8421% | 1,325 |
| Earnings coverage of net charge-offs (x) | 4.2105% | 2,153 |
| Efficiency ratio | 96.2432% | 320 |
| Assets per employee ($millions) | 3.4399% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,794 |
| Loan loss allowance to noncurrent loans | 67.5030% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5207% | 694 |
| Noncurrent loans to loans | 2.0363% | 691 |
| Net loans and leases to total assets | 73.6549% | 1,668 |
| Net loans and leases to deposits | 94.2225% | 1,058 |
| Net loans and leases to core deposits | 110.9921% | 803 |
| Total domestic deposits to total assets | 78.1713% | 4,190 |
| Equity capital to assets | 17.1334% | 426 |
| Core capital (leverage) ratio | 13.7959% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,596,000 | 2,398 |
| Average earning assets | $242,346,500 | 2,427 |
| Average equity | $37,699,000 | 2,082 |
| Average total loans | $169,754,500 | 2,456 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 4,065 |
| Cost of funding earning assets | 1.4143% | 533 |
| Net interest margin | 2.6750% | 4,852 |
| Noninterest income to average assets | 3.1684% | 139 |
| Noninterest expense to average assets | 4.9317% | 223 |
| Loan and lease loss provision to assets | 0.0876% | 2,266 |
| Net operating income to assets | 0.6254% | 4,086 |
| Return on assets (ROA) | 0.6254% | 4,146 |
| Pretax return on assets | 0.6137% | 4,389 |
| Return on Equity (ROE) | 5.1798% | 4,164 |
| Retained earnings to average equity (ytd only) | 2.8827% | 3,591 |
| Net charge-offs to loans | 0.3060% | 679 |
| Credit loss provision to net charge-offs | 49.3601% | 3,134 |
| Earnings coverage of net charge-offs (x) | 3.9525% | 3,272 |
| Efficiency ratio | 87.5504% | 464 |
| Assets per employee ($millions) | 4.8331% | 2,796 |
| Cash dividends to net income (ytd only)* | 44.3465% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,113 |
| Loan loss allowance to noncurrent loans | 65.5193% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0895% | 1,127 |
| Noncurrent loans to loans | 1.9247% | 678 |
| Net loans and leases to total assets | 55.8923% | 3,926 |
| Net loans and leases to deposits | 83.3824% | 2,401 |
| Net loans and leases to core deposits | 101.7336% | 1,429 |
| Total domestic deposits to total assets | 67.0312% | 5,010 |
| Equity capital to assets | 12.2724% | 1,967 |
| Core capital (leverage) ratio | 13.2149% | 1,149 |
| Tier 1 risk-based capital ratio | 18.0260% | 1,751 |
| Total risk-based capital ratio | 19.0745% | 1,757 |
| Memoranda: | ||
| Average total assets | $308,290,200 | 2,117 |
| Average earning assets | $284,033,400 | 2,120 |
| Average equity | $37,221,800 | 2,046 |
| Average total loans | $178,776,800 | 2,332 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 3,841 |
| Cost of funding earning assets | 1.5067% | 401 |
| Net interest margin | 2.7293% | 4,916 |
| Noninterest income to average assets | 3.1485% | 150 |
| Noninterest expense to average assets | 4.9751% | 217 |
| Loan and lease loss provision to assets | 0.0779% | 2,343 |
| Net operating income to assets | 0.4848% | 4,557 |
| Return on assets (ROA) | 0.4848% | 4,600 |
| Pretax return on assets | 0.6060% | 4,532 |
| Return on Equity (ROE) | 4.0319% | 4,584 |
| Retained earnings to average equity (ytd only) | 0.9540% | 4,577 |
| Net charge-offs to loans | 0.3777% | 442 |
| Credit loss provision to net charge-offs | 35.3635% | 2,883 |
| Earnings coverage of net charge-offs (x) | 3.1041% | 3,135 |
| Efficiency ratio | 87.9149% | 401 |
| Assets per employee ($millions) | 4.9165% | 2,643 |
| Cash dividends to net income (ytd only)* | 76.3390% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,531 |
| Loan loss allowance to noncurrent loans | 76.4539% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 1,553 |
| Noncurrent loans to loans | 1.5650% | 948 |
| Net loans and leases to total assets | 55.7106% | 4,063 |
| Net loans and leases to deposits | 86.6529% | 2,116 |
| Net loans and leases to core deposits | 106.0350% | 1,180 |
| Total domestic deposits to total assets | 64.2916% | 5,118 |
| Equity capital to assets | 11.6258% | 2,577 |
| Core capital (leverage) ratio | 12.4313% | 1,611 |
| Tier 1 risk-based capital ratio | 17.1729% | 2,032 |
| Total risk-based capital ratio | 18.1694% | 2,053 |
| Memoranda: | ||
| Average total assets | $308,032,750 | 2,134 |
| Average earning assets | $283,340,750 | 2,143 |
| Average equity | $37,037,000 | 2,059 |
| Average total loans | $179,697,500 | 2,342 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 3,829 |
| Cost of funding earning assets | 1.5036% | 379 |
| Net interest margin | 2.7318% | 4,975 |
| Noninterest income to average assets | 3.2244% | 139 |
| Noninterest expense to average assets | 5.0233% | 216 |
| Loan and lease loss provision to assets | 0.0592% | 2,639 |
| Net operating income to assets | 0.4747% | 4,583 |
| Return on assets (ROA) | 0.4747% | 4,611 |
| Pretax return on assets | 0.6779% | 4,384 |
| Return on Equity (ROE) | 3.9029% | 4,612 |
| Retained earnings to average equity (ytd only) | -0.7190% | 4,792 |
| Net charge-offs to loans | 0.3186% | 539 |
| Credit loss provision to net charge-offs | 31.4685% | 2,592 |
| Earnings coverage of net charge-offs (x) | 3.9196% | 2,786 |
| Efficiency ratio | 87.2047% | 484 |
| Assets per employee ($millions) | 4.8981% | 2,603 |
| Cash dividends to net income (ytd only)* | 118.4211% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,208 |
| Loan loss allowance to noncurrent loans | 43.0182% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.6460% | 646 |
| Noncurrent loans to loans | 2.9241% | 358 |
| Net loans and leases to total assets | 55.5819% | 4,100 |
| Net loans and leases to deposits | 82.6395% | 2,660 |
| Net loans and leases to core deposits | 104.1109% | 1,378 |
| Total domestic deposits to total assets | 67.2583% | 5,126 |
| Equity capital to assets | 11.3692% | 2,729 |
| Core capital (leverage) ratio | 12.4072% | 1,584 |
| Tier 1 risk-based capital ratio | 17.3098% | 1,993 |
| Total risk-based capital ratio | 18.3879% | 1,995 |
| Memoranda: | ||
| Average total assets | $304,185,330 | 2,163 |
| Average earning assets | $282,380,330 | 2,152 |
| Average equity | $36,998,330 | 2,060 |
| Average total loans | $179,532,330 | 2,346 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 3,375 |
| Cost of funding earning assets | 1.5531% | 271 |
| Net interest margin | 2.8071% | 4,983 |
| Noninterest income to average assets | 3.2365% | 131 |
| Noninterest expense to average assets | 4.9253% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6367% | 4,131 |
| Return on assets (ROA) | 0.6367% | 4,171 |
| Pretax return on assets | 0.9096% | 3,735 |
| Return on Equity (ROE) | 5.0538% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.0538% | 2,884 |
| Net charge-offs to loans | 0.6259% | 240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.4014% | 2,497 |
| Efficiency ratio | 84.4114% | 680 |
| Assets per employee ($millions) | 4.7359% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,751 |
| Loan loss allowance to noncurrent loans | 44.9287% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 679 |
| Noncurrent loans to loans | 2.6001% | 495 |
| Net loans and leases to total assets | 62.5525% | 3,451 |
| Net loans and leases to deposits | 86.3317% | 2,093 |
| Net loans and leases to core deposits | 104.4838% | 1,281 |
| Total domestic deposits to total assets | 72.4560% | 5,023 |
| Equity capital to assets | 12.5205% | 1,728 |
| Core capital (leverage) ratio | 12.6196% | 1,448 |
| Tier 1 risk-based capital ratio | 17.0214% | 2,101 |
| Total risk-based capital ratio | 18.0266% | 2,133 |
| Memoranda: | ||
| Average total assets | $294,640,000 | 2,225 |
| Average earning assets | $272,737,500 | 2,220 |
| Average equity | $37,120,500 | 2,053 |
| Average total loans | $178,312,500 | 2,385 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 4,460 |
| Cost of funding earning assets | 1.1088% | 475 |
| Net interest margin | 2.7037% | 5,097 |
| Noninterest income to average assets | 3.6074% | 120 |
| Noninterest expense to average assets | 5.2768% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6177% | 4,367 |
| Return on assets (ROA) | 0.6177% | 4,378 |
| Pretax return on assets | 0.8284% | 4,096 |
| Return on Equity (ROE) | 4.9489% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.5852% | 4,106 |
| Net charge-offs to loans | 0.0144% | 3,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 99.9167% | 739 |
| Efficiency ratio | 86.4305% | 504 |
| Assets per employee ($millions) | 4.6178% | 2,996 |
| Cash dividends to net income (ytd only)* | 47.7629% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,348 |
| Loan loss allowance to noncurrent loans | 91.1927% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 1,468 |
| Noncurrent loans to loans | 1.6241% | 899 |
| Net loans and leases to total assets | 56.8206% | 4,063 |
| Net loans and leases to deposits | 88.0569% | 2,034 |
| Net loans and leases to core deposits | 103.8779% | 1,424 |
| Total domestic deposits to total assets | 64.5271% | 5,270 |
| Equity capital to assets | 12.6787% | 1,497 |
| Core capital (leverage) ratio | 13.1063% | 1,204 |
| Tier 1 risk-based capital ratio | 18.2036% | 1,694 |
| Total risk-based capital ratio | 19.4300% | 1,655 |
| Memoranda: | ||
| Average total assets | $289,457,000 | 2,212 |
| Average earning assets | $267,412,200 | 2,213 |
| Average equity | $36,129,200 | 2,027 |
| Average total loans | $166,711,200 | 2,468 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 4,515 |
| Cost of funding earning assets | 1.0415% | 496 |
| Net interest margin | 2.7229% | 5,152 |
| Noninterest income to average assets | 3.6320% | 131 |
| Noninterest expense to average assets | 5.2697% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6102% | 4,475 |
| Return on assets (ROA) | 0.6102% | 4,484 |
| Pretax return on assets | 0.8786% | 4,093 |
| Return on Equity (ROE) | 4.9080% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.7399% | 4,660 |
| Net charge-offs to loans | 0.0168% | 2,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 90.7121% | 814 |
| Efficiency ratio | 85.7100% | 534 |
| Assets per employee ($millions) | 4.5095% | 3,111 |
| Cash dividends to net income (ytd only)* | 64.5502% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,131 |
| Loan loss allowance to noncurrent loans | 91.3363% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 1,586 |
| Noncurrent loans to loans | 1.7259% | 901 |
| Net loans and leases to total assets | 52.9952% | 4,421 |
| Net loans and leases to deposits | 77.4797% | 3,281 |
| Net loans and leases to core deposits | 92.3153% | 2,445 |
| Total domestic deposits to total assets | 68.3988% | 5,273 |
| Equity capital to assets | 12.4240% | 1,635 |
| Core capital (leverage) ratio | 13.1705% | 1,220 |
| Tier 1 risk-based capital ratio | 18.8121% | 1,586 |
| Total risk-based capital ratio | 20.0627% | 1,555 |
| Memoranda: | ||
| Average total assets | $289,091,000 | 2,224 |
| Average earning assets | $267,161,500 | 2,228 |
| Average equity | $35,940,250 | 2,038 |
| Average total loans | $166,442,000 | 2,486 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 4,419 |
| Cost of funding earning assets | 0.9979% | 476 |
| Net interest margin | 2.7708% | 5,156 |
| Noninterest income to average assets | 3.5580% | 128 |
| Noninterest expense to average assets | 5.2664% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5880% | 4,535 |
| Return on assets (ROA) | 0.5880% | 4,534 |
| Pretax return on assets | 0.8507% | 4,109 |
| Return on Equity (ROE) | 4.7287% | 4,625 |
| Retained earnings to average equity (ytd only) | -0.0447% | 4,964 |
| Net charge-offs to loans | 0.0189% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 843 |
| Efficiency ratio | 86.0925% | 561 |
| Assets per employee ($millions) | 4.1978% | 3,586 |
| Cash dividends to net income (ytd only)* | 100.9456% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,087 |
| Loan loss allowance to noncurrent loans | 91.2852% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 1,503 |
| Noncurrent loans to loans | 1.7618% | 895 |
| Net loans and leases to total assets | 55.8980% | 4,173 |
| Net loans and leases to deposits | 66.6077% | 4,133 |
| Net loans and leases to core deposits | 81.7605% | 3,265 |
| Total domestic deposits to total assets | 83.9212% | 3,101 |
| Equity capital to assets | 13.1710% | 1,236 |
| Core capital (leverage) ratio | 12.5763% | 1,394 |
| Tier 1 risk-based capital ratio | 19.3166% | 1,472 |
| Total risk-based capital ratio | 20.5679% | 1,430 |
| Memoranda: | ||
| Average total assets | $287,748,330 | 2,242 |
| Average earning assets | $265,767,670 | 2,243 |
| Average equity | $35,781,330 | 2,047 |
| Average total loans | $169,313,670 | 2,467 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7727% | 4,293 |
| Cost of funding earning assets | 0.9542% | 463 |
| Net interest margin | 2.8186% | 5,141 |
| Noninterest income to average assets | 3.2250% | 147 |
| Noninterest expense to average assets | 5.0909% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4932% | 4,711 |
| Return on assets (ROA) | 0.4932% | 4,721 |
| Pretax return on assets | 0.7399% | 4,326 |
| Return on Equity (ROE) | 4.0781% | 4,751 |
| Retained earnings to average equity (ytd only) | -5.4897% | 5,228 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3112% | 569 |
| Assets per employee ($millions) | 4.2281% | 3,601 |
| Cash dividends to net income (ytd only)* | 234.6154% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,522 |
| Loan loss allowance to noncurrent loans | 25,090.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,130 |
| Noncurrent loans to loans | 0.0059% | 4,995 |
| Net loans and leases to total assets | 59.7165% | 3,778 |
| Net loans and leases to deposits | 69.4881% | 3,828 |
| Net loans and leases to core deposits | 86.2285% | 2,785 |
| Total domestic deposits to total assets | 85.9377% | 2,568 |
| Equity capital to assets | 12.7062% | 1,380 |
| Core capital (leverage) ratio | 12.1495% | 1,556 |
| Tier 1 risk-based capital ratio | 18.0652% | 1,821 |
| Total risk-based capital ratio | 19.3155% | 1,767 |
| Memoranda: | ||
| Average total assets | $295,194,500 | 2,217 |
| Average earning assets | $272,906,000 | 2,216 |
| Average equity | $35,703,000 | 2,063 |
| Average total loans | $176,463,500 | 2,399 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 5,073 |
| Cost of funding earning assets | 0.5236% | 2,152 |
| Net interest margin | 2.7837% | 5,189 |
| Noninterest income to average assets | 3.7439% | 138 |
| Noninterest expense to average assets | 5.2419% | 194 |
| Loan and lease loss provision to assets | 0.0255% | 3,789 |
| Net operating income to assets | 0.5754% | 4,115 |
| Return on assets (ROA) | 0.5754% | 4,151 |
| Pretax return on assets | 0.9951% | 3,593 |
| Return on Equity (ROE) | 4.8288% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.8288% | 2,235 |
| Net charge-offs to loans | -0.0074% | 4,721 |
| Credit loss provision to net charge-offs | -576.9231% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7033% | 795 |
| Assets per employee ($millions) | 4.7172% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 1,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 58.2228% | 3,986 |
| Net loans and leases to deposits | 75.8559% | 3,340 |
| Net loans and leases to core deposits | 99.4028% | 1,760 |
| Total domestic deposits to total assets | 76.7544% | 4,890 |
| Equity capital to assets | 11.5467% | 2,162 |
| Core capital (leverage) ratio | 11.7557% | 1,756 |
| Tier 1 risk-based capital ratio | 17.5806% | 1,927 |
| Total risk-based capital ratio | 18.8076% | 1,881 |
| Memoranda: | ||
| Average total assets | $294,242,200 | 2,199 |
| Average earning assets | $266,229,800 | 2,237 |
| Average equity | $35,060,400 | 2,078 |
| Average total loans | $174,897,400 | 2,387 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 5,128 |
| Cost of funding earning assets | 0.4952% | 2,306 |
| Net interest margin | 2.7909% | 5,233 |
| Noninterest income to average assets | 3.8504% | 144 |
| Noninterest expense to average assets | 5.2883% | 193 |
| Loan and lease loss provision to assets | 0.0345% | 3,431 |
| Net operating income to assets | 0.5449% | 4,598 |
| Return on assets (ROA) | 0.5449% | 4,630 |
| Pretax return on assets | 1.0359% | 3,540 |
| Return on Equity (ROE) | 4.5351% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.5351% | 3,200 |
| Net charge-offs to loans | -0.0046% | 4,445 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1658% | 825 |
| Assets per employee ($millions) | 4.3219% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,883 |
| Loan loss allowance to noncurrent loans | 352.3944% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 4,091 |
| Noncurrent loans to loans | 0.3977% | 3,530 |
| Net loans and leases to total assets | 59.8872% | 3,878 |
| Net loans and leases to deposits | 73.1800% | 3,648 |
| Net loans and leases to core deposits | 97.6032% | 1,918 |
| Total domestic deposits to total assets | 81.8354% | 3,822 |
| Equity capital to assets | 12.0606% | 1,925 |
| Core capital (leverage) ratio | 12.3872% | 1,465 |
| Tier 1 risk-based capital ratio | 17.7302% | 1,937 |
| Total risk-based capital ratio | 18.9803% | 1,876 |
| Memoranda: | ||
| Average total assets | $289,968,500 | 2,233 |
| Average earning assets | $260,605,000 | 2,291 |
| Average equity | $34,838,250 | 2,094 |
| Average total loans | $172,677,250 | 2,413 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2687% | 5,152 |
| Cost of funding earning assets | 0.4776% | 2,347 |
| Net interest margin | 2.7911% | 5,261 |
| Noninterest income to average assets | 3.9264% | 150 |
| Noninterest expense to average assets | 5.2962% | 194 |
| Loan and lease loss provision to assets | 0.0520% | 2,947 |
| Net operating income to assets | 0.5571% | 4,491 |
| Return on assets (ROA) | 0.5571% | 4,537 |
| Pretax return on assets | 1.0601% | 3,340 |
| Return on Equity (ROE) | 4.6426% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.6426% | 2,951 |
| Net charge-offs to loans | -0.0047% | 4,326 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6468% | 947 |
| Assets per employee ($millions) | 4.8730% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,794 |
| Loan loss allowance to noncurrent loans | 50,000.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,322 |
| Noncurrent loans to loans | 0.0029% | 5,194 |
| Net loans and leases to total assets | 53.3912% | 4,446 |
| Net loans and leases to deposits | 72.7713% | 3,668 |
| Net loans and leases to core deposits | 93.5639% | 2,195 |
| Total domestic deposits to total assets | 73.3685% | 5,344 |
| Equity capital to assets | 10.9028% | 2,921 |
| Core capital (leverage) ratio | 12.2389% | 1,507 |
| Tier 1 risk-based capital ratio | 17.1564% | 2,115 |
| Total risk-based capital ratio | 18.3796% | 2,070 |
| Memoranda: | ||
| Average total assets | $288,661,000 | 2,246 |
| Average earning assets | $256,676,670 | 2,330 |
| Average equity | $34,636,000 | 2,098 |
| Average total loans | $170,734,670 | 2,433 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2775% | 5,137 |
| Cost of funding earning assets | 0.4776% | 2,269 |
| Net interest margin | 2.7999% | 5,236 |
| Noninterest income to average assets | 3.9032% | 151 |
| Noninterest expense to average assets | 5.4669% | 194 |
| Loan and lease loss provision to assets | 0.1102% | 1,737 |
| Net operating income to assets | 0.4747% | 4,692 |
| Return on assets (ROA) | 0.4747% | 4,716 |
| Pretax return on assets | 0.9023% | 3,761 |
| Return on Equity (ROE) | 3.7535% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.7535% | 3,573 |
| Net charge-offs to loans | -0.0071% | 4,289 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3729% | 939 |
| Assets per employee ($millions) | 3.9777% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.7527% | 3,430 |
| Net loans and leases to deposits | 73.9937% | 3,403 |
| Net loans and leases to core deposits | 100.3817% | 1,479 |
| Total domestic deposits to total assets | 84.8082% | 3,166 |
| Equity capital to assets | 12.9765% | 1,265 |
| Core capital (leverage) ratio | 11.9988% | 1,631 |
| Tier 1 risk-based capital ratio | 17.1000% | 2,149 |
| Total risk-based capital ratio | 18.3356% | 2,110 |
| Memoranda: | ||
| Average total assets | $272,184,000 | 2,382 |
| Average earning assets | $250,436,000 | 2,394 |
| Average equity | $34,421,500 | 2,119 |
| Average total loans | $168,995,000 | 2,468 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3279% | 5,120 |
| Cost of funding earning assets | 0.4089% | 2,916 |
| Net interest margin | 2.9190% | 5,101 |
| Noninterest income to average assets | 5.1051% | 119 |
| Noninterest expense to average assets | 8.0670% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1399% | 5,697 |
| Return on assets (ROA) | -0.1399% | 5,711 |
| Pretax return on assets | -0.2962% | 5,740 |
| Return on Equity (ROE) | -1.2072% | 5,716 |
| Retained earnings to average equity (ytd only) | -1.2072% | 5,472 |
| Net charge-offs to loans | 0.0546% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -9.0333% | 4,234 |
| Efficiency ratio | 103.8115% | 182 |
| Assets per employee ($millions) | 4.0270% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.6808% | 3,890 |
| Net loans and leases to deposits | 77.3613% | 3,172 |
| Net loans and leases to core deposits | 106.8726% | 1,075 |
| Total domestic deposits to total assets | 77.1456% | 5,104 |
| Equity capital to assets | 12.3298% | 1,617 |
| Core capital (leverage) ratio | 12.4223% | 1,374 |
| Tier 1 risk-based capital ratio | 17.5064% | 2,007 |
| Total risk-based capital ratio | 18.7435% | 1,965 |
| Memoranda: | ||
| Average total assets | $274,488,600 | 2,327 |
| Average earning assets | $250,670,200 | 2,351 |
| Average equity | $31,810,000 | 2,235 |
| Average total loans | $164,862,200 | 2,464 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 5,121 |
| Cost of funding earning assets | 0.4005% | 3,020 |
| Net interest margin | 2.9499% | 5,097 |
| Noninterest income to average assets | 5.4955% | 114 |
| Noninterest expense to average assets | 8.0394% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0784% | 5,649 |
| Return on assets (ROA) | 0.0784% | 5,692 |
| Pretax return on assets | 0.1442% | 5,632 |
| Return on Equity (ROE) | 0.6881% | 5,682 |
| Retained earnings to average equity (ytd only) | 0.6881% | 5,177 |
| Net charge-offs to loans | 0.0805% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.9898% | 3,485 |
| Efficiency ratio | 98.2377% | 256 |
| Assets per employee ($millions) | 3.2149% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,728 |
| Loan loss allowance to noncurrent loans | 120,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 4,261 |
| Noncurrent loans to loans | 0.0013% | 5,422 |
| Net loans and leases to total assets | 58.9663% | 3,994 |
| Net loans and leases to deposits | 70.6703% | 3,919 |
| Net loans and leases to core deposits | 96.2625% | 1,965 |
| Total domestic deposits to total assets | 83.4386% | 3,432 |
| Equity capital to assets | 12.2985% | 1,893 |
| Core capital (leverage) ratio | 11.0751% | 2,376 |
| Tier 1 risk-based capital ratio | 16.5038% | 2,415 |
| Total risk-based capital ratio | 17.7541% | 2,367 |
| Memoranda: | ||
| Average total assets | $273,645,000 | 2,339 |
| Average earning assets | $249,362,500 | 2,378 |
| Average equity | $31,197,500 | 2,290 |
| Average total loans | $164,014,750 | 2,478 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 5,170 |
| Cost of funding earning assets | 0.3927% | 3,124 |
| Net interest margin | 2.9641% | 5,144 |
| Noninterest income to average assets | 5.5220% | 112 |
| Noninterest expense to average assets | 8.2185% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0065% | 5,764 |
| Return on assets (ROA) | 0.0065% | 5,789 |
| Pretax return on assets | 0.0065% | 5,787 |
| Return on Equity (ROE) | 0.0587% | 5,790 |
| Retained earnings to average equity (ytd only) | 0.0587% | 5,274 |
| Net charge-offs to loans | 0.1185% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.0918% | 3,552 |
| Efficiency ratio | 99.9207% | 245 |
| Assets per employee ($millions) | 2.5625% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 4,408 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.5047% | 4,254 |
| Net loans and leases to deposits | 64.1172% | 4,483 |
| Net loans and leases to core deposits | 82.7616% | 3,200 |
| Total domestic deposits to total assets | 88.1273% | 1,367 |
| Equity capital to assets | 10.7818% | 3,310 |
| Core capital (leverage) ratio | 10.2735% | 3,245 |
| Tier 1 risk-based capital ratio | 14.2035% | 3,493 |
| Total risk-based capital ratio | 15.3709% | 3,450 |
| Memoranda: | ||
| Average total assets | $275,914,330 | 2,329 |
| Average earning assets | $251,608,000 | 2,371 |
| Average equity | $30,657,670 | 2,327 |
| Average total loans | $165,434,330 | 2,472 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,149 |
| Cost of funding earning assets | 0.3893% | 3,198 |
| Net interest margin | 3.0021% | 5,116 |
| Noninterest income to average assets | 5.5806% | 106 |
| Noninterest expense to average assets | 8.2605% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0103% | 5,775 |
| Return on assets (ROA) | 0.0103% | 5,803 |
| Pretax return on assets | 0.0677% | 5,767 |
| Return on Equity (ROE) | 0.0913% | 5,805 |
| Retained earnings to average equity (ytd only) | 0.0913% | 5,085 |
| Net charge-offs to loans | 0.0096% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,856 |
| Efficiency ratio | 99.1867% | 313 |
| Assets per employee ($millions) | 2.6472% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 2,123 |
| Loan loss allowance to noncurrent loans | 557.1111% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 4,844 |
| Noncurrent loans to loans | 0.2635% | 4,493 |
| Net loans and leases to total assets | 62.3114% | 3,486 |
| Net loans and leases to deposits | 74.3751% | 3,395 |
| Net loans and leases to core deposits | 103.8684% | 1,197 |
| Total domestic deposits to total assets | 83.7799% | 3,607 |
| Equity capital to assets | 11.3559% | 2,573 |
| Core capital (leverage) ratio | 10.6257% | 2,822 |
| Tier 1 risk-based capital ratio | 14.6062% | 3,338 |
| Total risk-based capital ratio | 15.8535% | 3,277 |
| Memoranda: | ||
| Average total assets | $271,655,000 | 2,372 |
| Average earning assets | $248,622,000 | 2,397 |
| Average equity | $30,653,000 | 2,329 |
| Average total loans | $166,586,000 | 2,449 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 5,378 |
| Cost of funding earning assets | 0.3099% | 4,143 |
| Net interest margin | 2.9714% | 5,204 |
| Noninterest income to average assets | 5.6605% | 115 |
| Noninterest expense to average assets | 7.9574% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2294% | 5,516 |
| Return on assets (ROA) | 0.2294% | 5,583 |
| Pretax return on assets | 0.3005% | 5,518 |
| Return on Equity (ROE) | 2.0270% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.0270% | 4,573 |
| Net charge-offs to loans | -0.1327% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3611% | 384 |
| Assets per employee ($millions) | 2.6534% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 1,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,651 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.5093% | 4,017 |
| Net loans and leases to deposits | 79.7930% | 2,841 |
| Net loans and leases to core deposits | 111.4071% | 798 |
| Total domestic deposits to total assets | 73.3264% | 5,701 |
| Equity capital to assets | 11.2126% | 2,627 |
| Core capital (leverage) ratio | 10.3761% | 3,081 |
| Tier 1 risk-based capital ratio | 14.6803% | 3,336 |
| Total risk-based capital ratio | 15.9303% | 3,266 |
| Memoranda: | ||
| Average total assets | $267,221,600 | 2,365 |
| Average earning assets | $233,593,200 | 2,475 |
| Average equity | $30,241,600 | 2,307 |
| Average total loans | $149,202,600 | 2,605 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,467 |
| Cost of funding earning assets | 0.2934% | 4,412 |
| Net interest margin | 2.9739% | 5,259 |
| Noninterest income to average assets | 5.6342% | 116 |
| Noninterest expense to average assets | 8.0795% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0547% | 5,888 |
| Return on assets (ROA) | 0.0547% | 5,932 |
| Pretax return on assets | 0.1229% | 5,873 |
| Return on Equity (ROE) | 0.4822% | 5,926 |
| Retained earnings to average equity (ytd only) | 0.4822% | 5,484 |
| Net charge-offs to loans | 0.0722% | 2,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.1013% | 3,556 |
| Efficiency ratio | 98.5012% | 339 |
| Assets per employee ($millions) | 2.6495% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 2,402 |
| Loan loss allowance to noncurrent loans | 1,654.8148% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,514 |
| Noncurrent loans to loans | 0.0871% | 5,281 |
| Net loans and leases to total assets | 57.0668% | 4,237 |
| Net loans and leases to deposits | 75.5208% | 3,361 |
| Net loans and leases to core deposits | 105.5254% | 1,135 |
| Total domestic deposits to total assets | 75.5644% | 5,562 |
| Equity capital to assets | 11.2654% | 2,737 |
| Core capital (leverage) ratio | 10.6647% | 2,863 |
| Tier 1 risk-based capital ratio | 15.3288% | 3,127 |
| Total risk-based capital ratio | 16.5108% | 3,100 |
| Memoranda: | ||
| Average total assets | $265,702,000 | 2,397 |
| Average earning assets | $229,455,500 | 2,532 |
| Average equity | $30,141,000 | 2,326 |
| Average total loans | $145,898,750 | 2,665 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 5,476 |
| Cost of funding earning assets | 0.2807% | 4,602 |
| Net interest margin | 2.9997% | 5,219 |
| Noninterest income to average assets | 5.4061% | 120 |
| Noninterest expense to average assets | 7.6282% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1735% | 5,753 |
| Return on assets (ROA) | 0.1735% | 5,817 |
| Pretax return on assets | 0.3343% | 5,598 |
| Return on Equity (ROE) | 1.5262% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.5262% | 4,936 |
| Net charge-offs to loans | 0.0546% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.3590% | 2,298 |
| Efficiency ratio | 95.8021% | 442 |
| Assets per employee ($millions) | 2.7008% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 2,595 |
| Loan loss allowance to noncurrent loans | 1,329.8246% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 5,514 |
| Noncurrent loans to loans | 0.1078% | 5,316 |
| Net loans and leases to total assets | 56.2279% | 4,314 |
| Net loans and leases to deposits | 78.5908% | 2,960 |
| Net loans and leases to core deposits | 104.2627% | 1,171 |
| Total domestic deposits to total assets | 71.5451% | 5,954 |
| Equity capital to assets | 10.8791% | 3,015 |
| Core capital (leverage) ratio | 10.8081% | 2,606 |
| Tier 1 risk-based capital ratio | 14.9460% | 3,383 |
| Total risk-based capital ratio | 16.1142% | 3,369 |
| Memoranda: | ||
| Average total assets | $265,070,330 | 2,413 |
| Average earning assets | $225,887,330 | 2,577 |
| Average equity | $30,139,330 | 2,329 |
| Average total loans | $142,884,000 | 2,719 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1899% | 5,669 |
| Cost of funding earning assets | 0.2734% | 4,744 |
| Net interest margin | 2.9164% | 5,418 |
| Noninterest income to average assets | 5.1727% | 122 |
| Noninterest expense to average assets | 7.4008% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1300% | 5,828 |
| Return on assets (ROA) | 0.1300% | 5,890 |
| Pretax return on assets | 0.2476% | 5,758 |
| Return on Equity (ROE) | 1.1171% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.1171% | 5,035 |
| Net charge-offs to loans | 0.0356% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,732 |
| Efficiency ratio | 96.7631% | 472 |
| Assets per employee ($millions) | 2.6095% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 1,778 |
| Loan loss allowance to noncurrent loans | 623.5772% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 5,278 |
| Noncurrent loans to loans | 0.2700% | 4,813 |
| Net loans and leases to total assets | 51.5007% | 4,704 |
| Net loans and leases to deposits | 63.6443% | 4,407 |
| Net loans and leases to core deposits | 85.6582% | 2,586 |
| Total domestic deposits to total assets | 80.9196% | 4,844 |
| Equity capital to assets | 11.5421% | 2,430 |
| Core capital (leverage) ratio | 11.1012% | 2,317 |
| Tier 1 risk-based capital ratio | 17.4785% | 2,311 |
| Total risk-based capital ratio | 18.7317% | 2,267 |
| Memoranda: | ||
| Average total assets | $258,513,500 | 2,480 |
| Average earning assets | $219,445,500 | 2,646 |
| Average equity | $30,077,000 | 2,346 |
| Average total loans | $134,980,500 | 2,829 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 6,032 |
| Cost of funding earning assets | 0.1980% | 5,764 |
| Net interest margin | 2.8298% | 5,764 |
| Noninterest income to average assets | 5.1343% | 123 |
| Noninterest expense to average assets | 7.2577% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2820% | 5,562 |
| Return on assets (ROA) | 0.2820% | 5,637 |
| Pretax return on assets | 0.3142% | 5,674 |
| Return on Equity (ROE) | 2.1912% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.1912% | 4,685 |
| Net charge-offs to loans | 0.0557% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.2813% | 2,512 |
| Efficiency ratio | 95.8511% | 513 |
| Assets per employee ($millions) | 2.8453% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 1,690 |
| Loan loss allowance to noncurrent loans | 1,277.9006% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 5,635 |
| Noncurrent loans to loans | 0.1358% | 5,348 |
| Net loans and leases to total assets | 51.1393% | 4,860 |
| Net loans and leases to deposits | 68.1170% | 4,118 |
| Net loans and leases to core deposits | 94.4529% | 1,874 |
| Total domestic deposits to total assets | 75.0757% | 5,850 |
| Equity capital to assets | 11.7288% | 2,227 |
| Core capital (leverage) ratio | 11.7522% | 1,791 |
| Tier 1 risk-based capital ratio | 17.3137% | 2,376 |
| Total risk-based capital ratio | 18.5656% | 2,337 |
| Memoranda: | ||
| Average total assets | $229,826,000 | 2,701 |
| Average earning assets | $197,962,400 | 2,826 |
| Average equity | $29,572,800 | 2,299 |
| Average total loans | $114,911,000 | 3,125 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0098% | 6,130 |
| Cost of funding earning assets | 0.1885% | 5,930 |
| Net interest margin | 2.8213% | 5,841 |
| Noninterest income to average assets | 5.1717% | 120 |
| Noninterest expense to average assets | 7.4069% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0920% | 6,036 |
| Return on assets (ROA) | 0.0920% | 6,062 |
| Pretax return on assets | 0.1959% | 5,956 |
| Return on Equity (ROE) | 0.6970% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.6970% | 5,595 |
| Net charge-offs to loans | -0.0483% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4236% | 457 |
| Assets per employee ($millions) | 3.6727% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 1,141 |
| Loan loss allowance to noncurrent loans | 891.8819% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 5,592 |
| Noncurrent loans to loans | 0.2315% | 5,202 |
| Net loans and leases to total assets | 49.5397% | 5,052 |
| Net loans and leases to deposits | 67.3969% | 4,194 |
| Net loans and leases to core deposits | 84.6158% | 2,819 |
| Total domestic deposits to total assets | 73.5044% | 6,053 |
| Equity capital to assets | 12.7670% | 1,545 |
| Core capital (leverage) ratio | 13.8260% | 889 |
| Tier 1 risk-based capital ratio | 20.2371% | 1,607 |
| Total risk-based capital ratio | 21.4923% | 1,573 |
| Memoranda: | ||
| Average total assets | $223,262,750 | 2,772 |
| Average earning assets | $192,387,500 | 2,908 |
| Average equity | $29,457,250 | 2,316 |
| Average total loans | $110,321,250 | 3,231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9342% | 6,235 |
| Cost of funding earning assets | 0.1884% | 6,015 |
| Net interest margin | 2.7458% | 5,997 |
| Noninterest income to average assets | 5.2141% | 116 |
| Noninterest expense to average assets | 7.4284% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0816% | 6,079 |
| Return on assets (ROA) | 0.0816% | 6,104 |
| Pretax return on assets | 0.1641% | 6,000 |
| Return on Equity (ROE) | 0.6116% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.6116% | 5,488 |
| Net charge-offs to loans | 0.3645% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9188% | 3,938 |
| Efficiency ratio | 97.8383% | 475 |
| Assets per employee ($millions) | 3.9211% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 1,602 |
| Loan loss allowance to noncurrent loans | 798.5348% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 5,720 |
| Noncurrent loans to loans | 0.2371% | 5,282 |
| Net loans and leases to total assets | 46.4553% | 5,320 |
| Net loans and leases to deposits | 69.5958% | 3,871 |
| Net loans and leases to core deposits | 84.8182% | 2,640 |
| Total domestic deposits to total assets | 66.7502% | 6,461 |
| Equity capital to assets | 12.1249% | 1,900 |
| Core capital (leverage) ratio | 13.6676% | 928 |
| Tier 1 risk-based capital ratio | 20.2183% | 1,636 |
| Total risk-based capital ratio | 21.4716% | 1,604 |
| Memoranda: | ||
| Average total assets | $220,557,670 | 2,804 |
| Average earning assets | $191,054,670 | 2,932 |
| Average equity | $29,429,670 | 2,301 |
| Average total loans | $108,081,330 | 3,284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9413% | 6,295 |
| Cost of funding earning assets | 0.1836% | 6,129 |
| Net interest margin | 2.7578% | 6,020 |
| Noninterest income to average assets | 5.4014% | 108 |
| Noninterest expense to average assets | 7.6433% | 120 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0784% | 6,073 |
| Return on assets (ROA) | 0.0784% | 6,097 |
| Pretax return on assets | 0.1701% | 5,976 |
| Return on Equity (ROE) | 0.5577% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.5577% | 5,359 |
| Net charge-offs to loans | 0.0077% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 822 |
| Efficiency ratio | 97.8229% | 553 |
| Assets per employee ($millions) | 3.1157% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 1,081 |
| Loan loss allowance to noncurrent loans | 496.8619% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 5,292 |
| Noncurrent loans to loans | 0.4563% | 4,786 |
| Net loans and leases to total assets | 53.8668% | 4,436 |
| Net loans and leases to deposits | 64.8966% | 4,219 |
| Net loans and leases to core deposits | 78.3807% | 3,162 |
| Total domestic deposits to total assets | 83.0040% | 4,601 |
| Equity capital to assets | 15.4828% | 600 |
| Core capital (leverage) ratio | 14.4368% | 708 |
| Tier 1 risk-based capital ratio | 23.2731% | 1,103 |
| Total risk-based capital ratio | 24.5307% | 1,086 |
| Memoranda: | ||
| Average total assets | $209,281,000 | 2,946 |
| Average earning assets | $183,045,500 | 3,062 |
| Average equity | $29,406,000 | 2,305 |
| Average total loans | $104,563,000 | 3,377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9526% | 6,388 |
| Cost of funding earning assets | 0.1862% | 6,357 |
| Net interest margin | 2.7663% | 6,036 |
| Noninterest income to average assets | 5.5099% | 119 |
| Noninterest expense to average assets | 6.8759% | 152 |
| Loan and lease loss provision to assets | 0.0117% | 4,891 |
| Net operating income to assets | 0.6637% | 3,963 |
| Return on assets (ROA) | 0.6637% | 4,063 |
| Pretax return on assets | 1.0627% | 3,101 |
| Return on Equity (ROE) | 4.9390% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.9390% | 2,640 |
| Net charge-offs to loans | 0.2459% | 2,504 |
| Credit loss provision to net charge-offs | 9.7276% | 4,587 |
| Earnings coverage of net charge-offs (x) | 8.9066% | 2,584 |
| Efficiency ratio | 86.4852% | 1,368 |
| Assets per employee ($millions) | 3.6856% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 1,066 |
| Loan loss allowance to noncurrent loans | 797.6510% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 5,826 |
| Noncurrent loans to loans | 0.2855% | 5,334 |
| Net loans and leases to total assets | 44.6365% | 5,614 |
| Net loans and leases to deposits | 67.2178% | 4,154 |
| Net loans and leases to core deposits | 82.3699% | 2,854 |
| Total domestic deposits to total assets | 66.4057% | 6,623 |
| Equity capital to assets | 12.8601% | 1,340 |
| Core capital (leverage) ratio | 13.4556% | 971 |
| Tier 1 risk-based capital ratio | 21.9812% | 1,259 |
| Total risk-based capital ratio | 23.2380% | 1,239 |
| Memoranda: | ||
| Average total assets | $213,033,200 | 2,880 |
| Average earning assets | $187,938,200 | 2,982 |
| Average equity | $28,629,000 | 2,330 |
| Average total loans | $104,515,400 | 3,353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9894% | 6,433 |
| Cost of funding earning assets | 0.1853% | 6,475 |
| Net interest margin | 2.8041% | 6,011 |
| Noninterest income to average assets | 5.5852% | 127 |
| Noninterest expense to average assets | 6.9251% | 149 |
| Loan and lease loss provision to assets | 0.0159% | 4,695 |
| Net operating income to assets | 0.5954% | 4,369 |
| Return on assets (ROA) | 0.5954% | 4,493 |
| Pretax return on assets | 1.1327% | 2,970 |
| Return on Equity (ROE) | 4.3787% | 5,038 |
| Retained earnings to average equity (ytd only) | 4.3787% | 3,557 |
| Net charge-offs to loans | 0.3379% | 1,860 |
| Credit loss provision to net charge-offs | 9.4340% | 4,218 |
| Earnings coverage of net charge-offs (x) | 6.8001% | 2,905 |
| Efficiency ratio | 85.7729% | 1,383 |
| Assets per employee ($millions) | 3.6858% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3473% | 1,111 |
| Loan loss allowance to noncurrent loans | 764.1935% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 5,928 |
| Noncurrent loans to loans | 0.3072% | 5,458 |
| Net loans and leases to total assets | 43.8342% | 5,737 |
| Net loans and leases to deposits | 58.5059% | 5,135 |
| Net loans and leases to core deposits | 72.9308% | 3,979 |
| Total domestic deposits to total assets | 74.9226% | 6,286 |
| Equity capital to assets | 12.8569% | 1,392 |
| Core capital (leverage) ratio | 13.3023% | 1,098 |
| Tier 1 risk-based capital ratio | 22.9663% | 1,154 |
| Total risk-based capital ratio | 24.2242% | 1,133 |
| Memoranda: | ||
| Average total assets | $209,165,000 | 2,943 |
| Average earning assets | $185,626,250 | 3,037 |
| Average equity | $28,439,750 | 2,375 |
| Average total loans | $104,550,750 | 3,375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0851% | 6,359 |
| Cost of funding earning assets | 0.1865% | 6,541 |
| Net interest margin | 2.8986% | 5,803 |
| Noninterest income to average assets | 5.7203% | 130 |
| Noninterest expense to average assets | 7.0913% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6257% | 4,175 |
| Return on assets (ROA) | 0.6257% | 4,332 |
| Pretax return on assets | 1.1896% | 2,720 |
| Return on Equity (ROE) | 4.5114% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.5114% | 3,398 |
| Net charge-offs to loans | 0.5749% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.9901% | 3,244 |
| Efficiency ratio | 85.6348% | 1,448 |
| Assets per employee ($millions) | 3.2330% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 1,424 |
| Loan loss allowance to noncurrent loans | 537.2960% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 5,722 |
| Noncurrent loans to loans | 0.4091% | 5,239 |
| Net loans and leases to total assets | 52.0019% | 4,866 |
| Net loans and leases to deposits | 62.1383% | 4,722 |
| Net loans and leases to core deposits | 80.5304% | 2,976 |
| Total domestic deposits to total assets | 83.6874% | 4,458 |
| Equity capital to assets | 14.5084% | 821 |
| Core capital (leverage) ratio | 14.4651% | 710 |
| Tier 1 risk-based capital ratio | 23.0315% | 1,127 |
| Total risk-based capital ratio | 24.2891% | 1,114 |
| Memoranda: | ||
| Average total assets | $203,941,330 | 3,018 |
| Average earning assets | $180,156,330 | 3,110 |
| Average equity | $28,284,000 | 2,406 |
| Average total loans | $105,759,670 | 3,364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 6,529 |
| Cost of funding earning assets | 0.1805% | 6,671 |
| Net interest margin | 2.8017% | 6,033 |
| Noninterest income to average assets | 5.4779% | 130 |
| Noninterest expense to average assets | 6.8903% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5634% | 4,394 |
| Return on assets (ROA) | 0.5634% | 4,547 |
| Pretax return on assets | 1.0728% | 3,061 |
| Return on Equity (ROE) | 4.1536% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.1536% | 3,728 |
| Net charge-offs to loans | 0.0527% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.7143% | 795 |
| Efficiency ratio | 86.5277% | 1,455 |
| Assets per employee ($millions) | 3.3225% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5578% | 1,055 |
| Loan loss allowance to noncurrent loans | 337.5813% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 5,357 |
| Noncurrent loans to loans | 0.7577% | 4,611 |
| Net loans and leases to total assets | 48.7966% | 5,141 |
| Net loans and leases to deposits | 57.6576% | 5,081 |
| Net loans and leases to core deposits | 73.6074% | 3,628 |
| Total domestic deposits to total assets | 84.6317% | 4,209 |
| Equity capital to assets | 13.9468% | 1,044 |
| Core capital (leverage) ratio | 13.5688% | 922 |
| Tier 1 risk-based capital ratio | 23.6454% | 1,068 |
| Total risk-based capital ratio | 24.9071% | 1,050 |
| Memoranda: | ||
| Average total assets | $207,307,000 | 3,010 |
| Average earning assets | $183,891,500 | 3,098 |
| Average equity | $28,120,000 | 2,432 |
| Average total loans | $106,210,500 | 3,378 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 6,322 |
| Cost of funding earning assets | 0.1650% | 6,897 |
| Net interest margin | 3.3670% | 5,012 |
| Noninterest income to average assets | 5.7693% | 127 |
| Noninterest expense to average assets | 7.0129% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0551% | 2,099 |
| Return on assets (ROA) | 1.0551% | 2,298 |
| Pretax return on assets | 1.7383% | 1,048 |
| Return on Equity (ROE) | 7.7663% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.4001% | 2,446 |
| Net charge-offs to loans | 0.1219% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 25.9398% | 1,118 |
| Efficiency ratio | 80.1359% | 2,123 |
| Assets per employee ($millions) | 3.4745% | 5,061 |
| Cash dividends to net income (ytd only)* | 30.4680% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3520% | 1,302 |
| Loan loss allowance to noncurrent loans | 317.0109% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 5,431 |
| Noncurrent loans to loans | 0.7419% | 4,696 |
| Net loans and leases to total assets | 51.1078% | 5,022 |
| Net loans and leases to deposits | 64.3823% | 4,490 |
| Net loans and leases to core deposits | 85.9151% | 2,319 |
| Total domestic deposits to total assets | 79.3818% | 5,806 |
| Equity capital to assets | 13.1988% | 1,353 |
| Core capital (leverage) ratio | 13.3119% | 1,012 |
| Tier 1 risk-based capital ratio | 20.3336% | 1,600 |
| Total risk-based capital ratio | 21.5913% | 1,569 |
| Memoranda: | ||
| Average total assets | $198,464,200 | 3,062 |
| Average earning assets | $175,764,400 | 3,150 |
| Average equity | $26,962,600 | 2,483 |
| Average total loans | $109,129,800 | 3,313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 6,431 |
| Cost of funding earning assets | 0.1624% | 7,012 |
| Net interest margin | 3.4060% | 5,019 |
| Noninterest income to average assets | 5.8254% | 123 |
| Noninterest expense to average assets | 7.0105% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9363% | 2,808 |
| Return on assets (ROA) | 0.9363% | 3,031 |
| Pretax return on assets | 1.8104% | 1,021 |
| Return on Equity (ROE) | 6.8388% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.6540% | 4,317 |
| Net charge-offs to loans | 0.1546% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 21.0233% | 1,427 |
| Efficiency ratio | 79.4763% | 2,175 |
| Assets per employee ($millions) | 3.5532% | 4,842 |
| Cash dividends to net income (ytd only)* | 46.5696% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2374% | 1,635 |
| Loan loss allowance to noncurrent loans | 308.8548% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 5,597 |
| Noncurrent loans to loans | 0.7244% | 4,983 |
| Net loans and leases to total assets | 53.6170% | 4,805 |
| Net loans and leases to deposits | 70.6915% | 3,803 |
| Net loans and leases to core deposits | 82.9019% | 2,844 |
| Total domestic deposits to total assets | 75.8464% | 6,401 |
| Equity capital to assets | 12.7820% | 1,723 |
| Core capital (leverage) ratio | 13.1895% | 1,117 |
| Tier 1 risk-based capital ratio | 19.5731% | 1,859 |
| Total risk-based capital ratio | 20.8311% | 1,830 |
| Memoranda: | ||
| Average total assets | $195,094,250 | 3,139 |
| Average earning assets | $171,574,500 | 3,239 |
| Average equity | $26,709,750 | 2,524 |
| Average total loans | $108,680,000 | 3,350 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5004% | 6,603 |
| Cost of funding earning assets | 0.1521% | 7,113 |
| Net interest margin | 3.3483% | 5,278 |
| Noninterest income to average assets | 5.8827% | 118 |
| Noninterest expense to average assets | 6.9839% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9563% | 2,631 |
| Return on assets (ROA) | 0.9563% | 2,883 |
| Pretax return on assets | 1.8565% | 924 |
| Return on Equity (ROE) | 6.8150% | 3,875 |
| Retained earnings to average equity (ytd only) | 2.0053% | 5,197 |
| Net charge-offs to loans | 0.2398% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.8189% | 1,756 |
| Efficiency ratio | 78.9996% | 2,325 |
| Assets per employee ($millions) | 3.4655% | 5,058 |
| Cash dividends to net income (ytd only)* | 70.5752% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 1,595 |
| Loan loss allowance to noncurrent loans | 268.4805% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 5,481 |
| Noncurrent loans to loans | 0.8558% | 4,802 |
| Net loans and leases to total assets | 54.3825% | 4,732 |
| Net loans and leases to deposits | 68.6421% | 4,098 |
| Net loans and leases to core deposits | 82.1078% | 2,947 |
| Total domestic deposits to total assets | 79.2261% | 5,913 |
| Equity capital to assets | 13.1002% | 1,469 |
| Core capital (leverage) ratio | 13.8458% | 848 |
| Tier 1 risk-based capital ratio | 19.4725% | 1,860 |
| Total risk-based capital ratio | 20.7305% | 1,825 |
| Memoranda: | ||
| Average total assets | $189,062,330 | 3,228 |
| Average earning assets | $167,008,670 | 3,312 |
| Average equity | $26,529,670 | 2,531 |
| Average total loans | $105,932,670 | 3,433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6217% | 6,552 |
| Cost of funding earning assets | 0.1575% | 7,173 |
| Net interest margin | 3.4642% | 4,851 |
| Noninterest income to average assets | 5.7013% | 124 |
| Noninterest expense to average assets | 7.0136% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8844% | 2,998 |
| Return on assets (ROA) | 0.8844% | 3,216 |
| Pretax return on assets | 1.6961% | 1,313 |
| Return on Equity (ROE) | 6.0753% | 4,247 |
| Retained earnings to average equity (ytd only) | -3.5906% | 6,452 |
| Net charge-offs to loans | -0.0471% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5267% | 2,139 |
| Assets per employee ($millions) | 2.8761% | 6,394 |
| Cash dividends to net income (ytd only)* | 159.1022% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6265% | 1,196 |
| Loan loss allowance to noncurrent loans | 236.8014% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 5,114 |
| Noncurrent loans to loans | 1.1091% | 4,478 |
| Net loans and leases to total assets | 59.1676% | 3,826 |
| Net loans and leases to deposits | 72.8785% | 3,285 |
| Net loans and leases to core deposits | 86.7801% | 2,201 |
| Total domestic deposits to total assets | 81.1867% | 5,549 |
| Equity capital to assets | 15.2315% | 706 |
| Core capital (leverage) ratio | 14.0489% | 794 |
| Tier 1 risk-based capital ratio | 21.5698% | 1,369 |
| Total risk-based capital ratio | 22.8324% | 1,341 |
| Memoranda: | ||
| Average total assets | $181,362,000 | 3,356 |
| Average earning assets | $157,497,000 | 3,478 |
| Average equity | $26,402,000 | 2,538 |
| Average total loans | $101,995,500 | 3,543 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 6,874 |
| Cost of funding earning assets | 0.1363% | 7,283 |
| Net interest margin | 3.5393% | 4,986 |
| Noninterest income to average assets | 5.5550% | 109 |
| Noninterest expense to average assets | 6.6146% | 165 |
| Loan and lease loss provision to assets | 0.2918% | 3,328 |
| Net operating income to assets | 1.0702% | 1,923 |
| Return on assets (ROA) | 1.0702% | 2,063 |
| Pretax return on assets | 1.7063% | 977 |
| Return on Equity (ROE) | 7.6756% | 3,067 |
| Retained earnings to average equity (ytd only) | 3.6532% | 3,610 |
| Net charge-offs to loans | 0.0225% | 6,127 |
| Credit loss provision to net charge-offs | 2,291.6667% | 101 |
| Earnings coverage of net charge-offs (x) | 156.9167% | 217 |
| Efficiency ratio | 76.8003% | 2,772 |
| Assets per employee ($millions) | 3.3361% | 5,413 |
| Cash dividends to net income (ytd only)* | 52.4046% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7659% | 1,016 |
| Loan loss allowance to noncurrent loans | 224.9385% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 5,282 |
| Noncurrent loans to loans | 1.2296% | 4,311 |
| Net loans and leases to total assets | 50.6905% | 5,501 |
| Net loans and leases to deposits | 80.0726% | 2,505 |
| Net loans and leases to core deposits | 93.4204% | 1,758 |
| Total domestic deposits to total assets | 63.3056% | 7,185 |
| Equity capital to assets | 13.9462% | 1,084 |
| Core capital (leverage) ratio | 12.4433% | 1,372 |
| Tier 1 risk-based capital ratio | 21.0051% | 1,407 |
| Total risk-based capital ratio | 22.2664% | 1,386 |
| Memoranda: | ||
| Average total assets | $188,478,000 | 3,203 |
| Average earning assets | $162,829,000 | 3,349 |
| Average equity | $26,278,200 | 2,459 |
| Average total loans | $106,724,000 | 3,453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 6,875 |
| Cost of funding earning assets | 0.1322% | 7,367 |
| Net interest margin | 3.6346% | 4,639 |
| Noninterest income to average assets | 5.4266% | 119 |
| Noninterest expense to average assets | 6.4659% | 169 |
| Loan and lease loss provision to assets | 0.3190% | 2,988 |
| Net operating income to assets | 0.9281% | 2,631 |
| Return on assets (ROA) | 0.9281% | 2,781 |
| Pretax return on assets | 1.7803% | 992 |
| Return on Equity (ROE) | 6.6569% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.6569% | 2,160 |
| Net charge-offs to loans | 0.0233% | 5,823 |
| Credit loss provision to net charge-offs | 2,368.4211% | 113 |
| Earnings coverage of net charge-offs (x) | 155.8587% | 250 |
| Efficiency ratio | 75.4904% | 2,921 |
| Assets per employee ($millions) | 3.0139% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5242% | 1,363 |
| Loan loss allowance to noncurrent loans | 244.8659% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 5,490 |
| Noncurrent loans to loans | 1.0308% | 4,838 |
| Net loans and leases to total assets | 58.4764% | 4,419 |
| Net loans and leases to deposits | 82.8066% | 2,204 |
| Net loans and leases to core deposits | 96.2125% | 1,589 |
| Total domestic deposits to total assets | 70.6179% | 7,009 |
| Equity capital to assets | 15.3738% | 755 |
| Core capital (leverage) ratio | 13.5151% | 1,041 |
| Tier 1 risk-based capital ratio | 21.5131% | 1,368 |
| Total risk-based capital ratio | 22.7737% | 1,336 |
| Memoranda: | ||
| Average total assets | $188,057,500 | 3,230 |
| Average earning assets | $162,400,250 | 3,378 |
| Average equity | $26,217,750 | 2,461 |
| Average total loans | $108,621,250 | 3,450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 7,016 |
| Cost of funding earning assets | 0.1256% | 7,449 |
| Net interest margin | 3.5742% | 4,815 |
| Noninterest income to average assets | 5.1975% | 131 |
| Noninterest expense to average assets | 6.2273% | 181 |
| Loan and lease loss provision to assets | 0.3117% | 2,923 |
| Net operating income to assets | 0.9040% | 2,617 |
| Return on assets (ROA) | 0.9040% | 2,725 |
| Pretax return on assets | 1.7342% | 983 |
| Return on Equity (ROE) | 6.6926% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.6926% | 2,028 |
| Net charge-offs to loans | 0.0346% | 5,367 |
| Credit loss provision to net charge-offs | 1,578.9474% | 220 |
| Earnings coverage of net charge-offs (x) | 103.6316% | 354 |
| Efficiency ratio | 75.2700% | 3,144 |
| Assets per employee ($millions) | 3.6070% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 1,763 |
| Loan loss allowance to noncurrent loans | 458.1651% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 6,365 |
| Noncurrent loans to loans | 0.4998% | 5,905 |
| Net loans and leases to total assets | 51.8234% | 5,593 |
| Net loans and leases to deposits | 84.5137% | 2,030 |
| Net loans and leases to core deposits | 97.9392% | 1,508 |
| Total domestic deposits to total assets | 61.3196% | 7,360 |
| Equity capital to assets | 12.8585% | 1,594 |
| Core capital (leverage) ratio | 14.1753% | 831 |
| Tier 1 risk-based capital ratio | 20.1881% | 1,574 |
| Total risk-based capital ratio | 21.4465% | 1,552 |
| Memoranda: | ||
| Average total assets | $192,475,330 | 3,191 |
| Average earning assets | $165,631,330 | 3,344 |
| Average equity | $25,999,000 | 2,461 |
| Average total loans | $109,873,000 | 3,458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 6,902 |
| Cost of funding earning assets | 0.1267% | 7,513 |
| Net interest margin | 3.7120% | 4,034 |
| Noninterest income to average assets | 5.0733% | 135 |
| Noninterest expense to average assets | 6.1814% | 185 |
| Loan and lease loss provision to assets | 0.3227% | 2,614 |
| Net operating income to assets | 0.8972% | 2,575 |
| Return on assets (ROA) | 0.8972% | 2,635 |
| Pretax return on assets | 1.7212% | 948 |
| Return on Equity (ROE) | 6.4701% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.4701% | 2,386 |
| Net charge-offs to loans | -0.0109% | 6,386 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1504% | 3,313 |
| Assets per employee ($millions) | 3.2030% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 1,960 |
| Loan loss allowance to noncurrent loans | 15,793.3333% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 7,021 |
| Noncurrent loans to loans | 0.0140% | 7,035 |
| Net loans and leases to total assets | 58.6234% | 4,528 |
| Net loans and leases to deposits | 83.5460% | 2,100 |
| Net loans and leases to core deposits | 96.8437% | 1,609 |
| Total domestic deposits to total assets | 70.1690% | 7,172 |
| Equity capital to assets | 14.4882% | 882 |
| Core capital (leverage) ratio | 14.7918% | 693 |
| Tier 1 risk-based capital ratio | 20.4741% | 1,486 |
| Total risk-based capital ratio | 21.7317% | 1,463 |
| Memoranda: | ||
| Average total assets | $185,913,000 | 3,297 |
| Average earning assets | $157,864,500 | 3,505 |
| Average equity | $25,780,000 | 2,473 |
| Average total loans | $110,286,500 | 3,481 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 7,200 |
| Cost of funding earning assets | 0.1272% | 7,576 |
| Net interest margin | 3.7716% | 4,060 |
| Noninterest income to average assets | 5.1157% | 133 |
| Noninterest expense to average assets | 6.1585% | 213 |
| Loan and lease loss provision to assets | 0.4614% | 3,360 |
| Net operating income to assets | 1.1376% | 1,583 |
| Return on assets (ROA) | 1.1376% | 1,663 |
| Pretax return on assets | 1.8107% | 741 |
| Return on Equity (ROE) | 9.1340% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.1340% | 671 |
| Net charge-offs to loans | 0.1324% | 5,581 |
| Credit loss provision to net charge-offs | 576.9231% | 382 |
| Earnings coverage of net charge-offs (x) | 28.4103% | 762 |
| Efficiency ratio | 73.0496% | 3,590 |
| Assets per employee ($millions) | 3.6313% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 2,400 |
| Loan loss allowance to noncurrent loans | 110,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 7,122 |
| Noncurrent loans to loans | 0.0018% | 7,173 |
| Net loans and leases to total assets | 57.5899% | 5,087 |
| Net loans and leases to deposits | 102.6991% | 454 |
| Net loans and leases to core deposits | 120.8388% | 507 |
| Total domestic deposits to total assets | 56.0764% | 7,537 |
| Equity capital to assets | 13.2875% | 1,261 |
| Core capital (leverage) ratio | 14.4730% | 752 |
| Tier 1 risk-based capital ratio | 18.6508% | 1,801 |
| Total risk-based capital ratio | 19.9055% | 1,771 |
| Memoranda: | ||
| Average total assets | $195,064,600 | 3,161 |
| Average earning assets | $171,438,600 | 3,258 |
| Average equity | $24,293,800 | 2,629 |
| Average total loans | $117,781,000 | 3,365 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 7,316 |
| Cost of funding earning assets | 0.1283% | 7,697 |
| Net interest margin | 3.8160% | 3,900 |
| Noninterest income to average assets | 4.7844% | 142 |
| Noninterest expense to average assets | 6.0242% | 220 |
| Loan and lease loss provision to assets | 0.5109% | 2,901 |
| Net operating income to assets | 0.8413% | 2,841 |
| Return on assets (ROA) | 0.8413% | 2,968 |
| Pretax return on assets | 1.6139% | 1,314 |
| Return on Equity (ROE) | 6.8684% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.8684% | 1,918 |
| Net charge-offs to loans | 0.1457% | 5,138 |
| Credit loss provision to net charge-offs | 576.9231% | 502 |
| Earnings coverage of net charge-offs (x) | 23.9922% | 1,043 |
| Efficiency ratio | 73.9258% | 3,337 |
| Assets per employee ($millions) | 3.5217% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 2,680 |
| Loan loss allowance to noncurrent loans | 12,305.8824% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 7,210 |
| Noncurrent loans to loans | 0.0149% | 7,223 |
| Net loans and leases to total assets | 60.0223% | 4,910 |
| Net loans and leases to deposits | 107.9567% | 299 |
| Net loans and leases to core deposits | 124.6617% | 483 |
| Total domestic deposits to total assets | 55.5985% | 7,643 |
| Equity capital to assets | 13.1777% | 1,500 |
| Core capital (leverage) ratio | 13.8932% | 939 |
| Tier 1 risk-based capital ratio | 18.1637% | 1,982 |
| Total risk-based capital ratio | 19.4176% | 1,936 |
| Memoranda: | ||
| Average total assets | $195,716,000 | 3,196 |
| Average earning assets | $172,568,750 | 3,277 |
| Average equity | $23,974,000 | 2,698 |
| Average total loans | $118,963,000 | 3,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 7,430 |
| Cost of funding earning assets | 0.1401% | 7,766 |
| Net interest margin | 3.7575% | 4,101 |
| Noninterest income to average assets | 4.6413% | 148 |
| Noninterest expense to average assets | 5.8217% | 237 |
| Loan and lease loss provision to assets | 0.6038% | 2,375 |
| Net operating income to assets | 0.8141% | 2,907 |
| Return on assets (ROA) | 0.8141% | 3,053 |
| Pretax return on assets | 1.5619% | 1,400 |
| Return on Equity (ROE) | 6.8079% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.8079% | 1,921 |
| Net charge-offs to loans | 0.0249% | 5,989 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 143.4667% | 241 |
| Efficiency ratio | 72.8865% | 3,679 |
| Assets per employee ($millions) | 3.6881% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,848 |
| Loan loss allowance to noncurrent loans | 1,008.3333% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,141 |
| Noncurrent loans to loans | 0.1746% | 6,904 |
| Net loans and leases to total assets | 57.6181% | 5,471 |
| Net loans and leases to deposits | 205.8074% | 24 |
| Net loans and leases to core deposits | 205.8074% | 87 |
| Total domestic deposits to total assets | 27.9961% | 7,770 |
| Equity capital to assets | 12.1387% | 2,021 |
| Core capital (leverage) ratio | 12.0523% | 1,615 |
| Tier 1 risk-based capital ratio | 17.3683% | 2,145 |
| Total risk-based capital ratio | 18.6209% | 2,103 |
| Memoranda: | ||
| Average total assets | $198,738,330 | 3,183 |
| Average earning assets | $176,979,670 | 3,231 |
| Average equity | $23,766,670 | 2,714 |
| Average total loans | $120,576,330 | 3,401 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 7,493 |
| Cost of funding earning assets | 0.1215% | 7,874 |
| Net interest margin | 3.8310% | 3,665 |
| Noninterest income to average assets | 4.1948% | 156 |
| Noninterest expense to average assets | 5.6032% | 262 |
| Loan and lease loss provision to assets | 0.6044% | 2,104 |
| Net operating income to assets | 0.7394% | 3,264 |
| Return on assets (ROA) | 0.7394% | 3,365 |
| Pretax return on assets | 1.4184% | 1,717 |
| Return on Equity (ROE) | 6.2302% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.2302% | 2,507 |
| Net charge-offs to loans | 0.0163% | 5,356 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 200.8000% | 171 |
| Efficiency ratio | 73.4742% | 3,670 |
| Assets per employee ($millions) | 3.8972% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,211 |
| Loan loss allowance to noncurrent loans | 228.5899% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 6,515 |
| Noncurrent loans to loans | 0.6296% | 6,058 |
| Net loans and leases to total assets | 59.7127% | 5,164 |
| Net loans and leases to deposits | 235.3620% | 24 |
| Net loans and leases to core deposits | 235.3620% | 78 |
| Total domestic deposits to total assets | 25.3706% | 7,877 |
| Equity capital to assets | 11.7152% | 2,218 |
| Core capital (leverage) ratio | 11.8108% | 1,744 |
| Tier 1 risk-based capital ratio | 16.2257% | 2,549 |
| Total risk-based capital ratio | 17.4354% | 2,529 |
| Memoranda: | ||
| Average total assets | $198,529,500 | 3,232 |
| Average earning assets | $177,811,000 | 3,285 |
| Average equity | $23,562,500 | 2,764 |
| Average total loans | $122,461,000 | 3,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 7,845 |
| Cost of funding earning assets | 0.1043% | 7,963 |
| Net interest margin | 3.3054% | 5,716 |
| Noninterest income to average assets | 4.4442% | 154 |
| Noninterest expense to average assets | 5.4108% | 409 |
| Loan and lease loss provision to assets | 0.4553% | 4,095 |
| Net operating income to assets | 0.9378% | 2,060 |
| Return on assets (ROA) | 0.9378% | 2,118 |
| Pretax return on assets | 1.5402% | 1,096 |
| Return on Equity (ROE) | 9.5123% | 1,851 |
| Retained earnings to average equity (ytd only) | 9.5123% | 425 |
| Net charge-offs to loans | 0.4966% | 3,783 |
| Credit loss provision to net charge-offs | 161.5646% | 2,742 |
| Earnings coverage of net charge-offs (x) | 7.0816% | 2,223 |
| Efficiency ratio | 73.0573% | 4,081 |
| Assets per employee ($millions) | 3.8119% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,322 |
| Loan loss allowance to noncurrent loans | 739.6985% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,239 |
| Noncurrent loans to loans | 0.1629% | 7,016 |
| Net loans and leases to total assets | 62.0729% | 4,977 |
| Net loans and leases to deposits | 303.7352% | 17 |
| Net loans and leases to core deposits | 303.7352% | 33 |
| Total domestic deposits to total assets | 20.4365% | 7,960 |
| Equity capital to assets | 12.0284% | 2,019 |
| Core capital (leverage) ratio | 10.5682% | 2,535 |
| Tier 1 risk-based capital ratio | 16.4435% | 2,343 |
| Total risk-based capital ratio | 17.4809% | 2,366 |
| Memoranda: | ||
| Average total assets | $208,675,600 | 3,075 |
| Average earning assets | $186,996,000 | 3,124 |
| Average equity | $20,573,400 | 3,129 |
| Average total loans | $118,409,600 | 3,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3088% | 7,957 |
| Cost of funding earning assets | 0.1131% | 8,050 |
| Net interest margin | 3.1957% | 6,037 |
| Noninterest income to average assets | 4.3710% | 150 |
| Noninterest expense to average assets | 5.2819% | 410 |
| Loan and lease loss provision to assets | 0.3141% | 4,461 |
| Net operating income to assets | 0.8512% | 2,613 |
| Return on assets (ROA) | 0.8512% | 2,677 |
| Pretax return on assets | 1.6327% | 1,106 |
| Return on Equity (ROE) | 9.0919% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.0919% | 823 |
| Net charge-offs to loans | 0.0874% | 5,814 |
| Credit loss provision to net charge-offs | 649.3506% | 578 |
| Earnings coverage of net charge-offs (x) | 40.2484% | 745 |
| Efficiency ratio | 73.0686% | 4,043 |
| Assets per employee ($millions) | 4.0043% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,283 |
| Loan loss allowance to noncurrent loans | 224.7801% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 6,613 |
| Noncurrent loans to loans | 0.5944% | 6,121 |
| Net loans and leases to total assets | 57.6971% | 5,929 |
| Net loans and leases to deposits | 244.9382% | 25 |
| Net loans and leases to core deposits | 244.9382% | 52 |
| Total domestic deposits to total assets | 23.5558% | 8,037 |
| Equity capital to assets | 11.6110% | 2,496 |
| Core capital (leverage) ratio | 10.4614% | 2,822 |
| Tier 1 risk-based capital ratio | 16.5384% | 2,413 |
| Total risk-based capital ratio | 17.6537% | 2,411 |
| Memoranda: | ||
| Average total assets | $212,242,750 | 3,062 |
| Average earning assets | $189,794,500 | 3,119 |
| Average equity | $19,870,750 | 3,258 |
| Average total loans | $117,475,500 | 3,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1672% | 8,062 |
| Cost of funding earning assets | 0.0905% | 8,149 |
| Net interest margin | 3.0767% | 6,309 |
| Noninterest income to average assets | 4.3155% | 156 |
| Noninterest expense to average assets | 5.1602% | 463 |
| Loan and lease loss provision to assets | 0.2758% | 4,374 |
| Net operating income to assets | 0.8493% | 2,655 |
| Return on assets (ROA) | 0.8493% | 2,757 |
| Pretax return on assets | 1.6297% | 1,150 |
| Return on Equity (ROE) | 9.7776% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.7776% | 772 |
| Net charge-offs to loans | 0.1335% | 4,824 |
| Credit loss provision to net charge-offs | 379.7468% | 1,224 |
| Earnings coverage of net charge-offs (x) | 26.2405% | 1,088 |
| Efficiency ratio | 73.0324% | 4,186 |
| Assets per employee ($millions) | 4.1030% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 5,701 |
| Loan loss allowance to noncurrent loans | 22,183.3333% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 7,658 |
| Noncurrent loans to loans | 0.0049% | 7,561 |
| Net loans and leases to total assets | 60.3780% | 5,615 |
| Net loans and leases to deposits | 292.7739% | 26 |
| Net loans and leases to core deposits | 292.7739% | 42 |
| Total domestic deposits to total assets | 20.6227% | 8,134 |
| Equity capital to assets | 9.6272% | 4,460 |
| Core capital (leverage) ratio | 6.6688% | 7,712 |
| Tier 1 risk-based capital ratio | 13.1998% | 4,000 |
| Total risk-based capital ratio | 14.1101% | 4,157 |
| Memoranda: | ||
| Average total assets | $217,586,670 | 3,009 |
| Average earning assets | $194,491,000 | 3,083 |
| Average equity | $18,900,330 | 3,408 |
| Average total loans | $118,387,000 | 3,570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9950% | 8,141 |
| Cost of funding earning assets | 0.0986% | 8,202 |
| Net interest margin | 2.8964% | 6,755 |
| Noninterest income to average assets | 4.0061% | 165 |
| Noninterest expense to average assets | 4.7198% | 584 |
| Loan and lease loss provision to assets | 0.2657% | 3,840 |
| Net operating income to assets | 0.8448% | 2,931 |
| Return on assets (ROA) | 0.8448% | 3,079 |
| Pretax return on assets | 1.6205% | 1,361 |
| Return on Equity (ROE) | 10.2180% | 2,232 |
| Retained earnings to average equity (ytd only) | 10.2180% | 1,136 |
| Net charge-offs to loans | 0.0103% | 5,491 |
| Credit loss provision to net charge-offs | 5,000.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 100 |
| Efficiency ratio | 71.4477% | 4,278 |
| Assets per employee ($millions) | 3.5622% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,482 |
| Loan loss allowance to noncurrent loans | 1,244.5545% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 7,423 |
| Noncurrent loans to loans | 0.0883% | 7,271 |
| Net loans and leases to total assets | 66.1980% | 4,539 |
| Net loans and leases to deposits | 194.3142% | 36 |
| Net loans and leases to core deposits | 194.3142% | 158 |
| Total domestic deposits to total assets | 34.0675% | 8,161 |
| Equity capital to assets | 11.0619% | 2,910 |
| Core capital (leverage) ratio | 3.8711% | 8,171 |
| Tier 1 risk-based capital ratio | 14.5886% | 3,263 |
| Total risk-based capital ratio | 15.5612% | 3,347 |
| Memoranda: | ||
| Average total assets | $225,857,500 | 2,919 |
| Average earning assets | $202,737,000 | 2,982 |
| Average equity | $18,673,000 | 3,457 |
| Average total loans | $116,221,500 | 3,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2664% | 8,159 |
| Cost of funding earning assets | 1.1941% | 7,949 |
| Net interest margin | 2.0723% | 8,028 |
| Noninterest income to average assets | 4.2762% | 142 |
| Noninterest expense to average assets | 4.2212% | 1,129 |
| Loan and lease loss provision to assets | 0.1454% | 5,499 |
| Net operating income to assets | 1.1372% | 1,998 |
| Return on assets (ROA) | 1.1372% | 1,917 |
| Pretax return on assets | 1.7696% | 1,000 |
| Return on Equity (ROE) | 15.2933% | 885 |
| Retained earnings to average equity (ytd only) | 15.2933% | 84 |
| Net charge-offs to loans | 0.3220% | 3,249 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 14.6354% | 2,022 |
| Efficiency ratio | 68.7916% | 4,581 |
| Assets per employee ($millions) | 6.2385% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,444 |
| Loan loss allowance to noncurrent loans | 1,088.2353% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 7,446 |
| Noncurrent loans to loans | 0.0864% | 7,162 |
| Net loans and leases to total assets | 41.6370% | 7,606 |
| Net loans and leases to deposits | 203.9610% | 40 |
| Net loans and leases to core deposits | 203.9610% | 159 |
| Total domestic deposits to total assets | 20.4142% | 8,238 |
| Equity capital to assets | 6.5657% | 7,915 |
| Core capital (leverage) ratio | 6.6825% | 7,865 |
| Tier 1 risk-based capital ratio | 12.2047% | 4,664 |
| Total risk-based capital ratio | 12.9419% | 4,960 |
| Memoranda: | ||
| Average total assets | $220,101,200 | 2,874 |
| Average earning assets | $197,559,000 | 2,918 |
| Average equity | $16,366,600 | 3,852 |
| Average total loans | $89,453,000 | 4,247 |