Home > The First National Bank of Bangor > Performance and Condition Ratios
The First National Bank of Bangor, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 1,333 |
| Cost of funding earning assets | 1.3822% | 2,274 |
| Net interest margin | 4.0069% | 1,193 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 0.8712% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.3619% | 277 |
| Return on assets (ROA) | 2.3619% | 271 |
| Pretax return on assets | 3.1343% | 179 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | 9.0861% | 1,234 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 21.7498% | 4,522 |
| Assets per employee ($millions) | 15.1493% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 4,003 |
| Loan loss allowance to noncurrent loans | 1,928.9720% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 2,963 |
| Noncurrent loans to loans | 0.0405% | 3,432 |
| Net loans and leases to total assets | 75.1900% | 1,215 |
| Net loans and leases to deposits | 119.3504% | 88 |
| Net loans and leases to core deposits | 126.7099% | 468 |
| Total domestic deposits to total assets | 63.0000% | 4,415 |
| Equity capital to assets | 24.6672% | 197 |
| Core capital (leverage) ratio | 26.1931% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $315,895,600 | 2,339 |
| Average earning assets | $302,931,000 | 2,287 |
| Average equity | $82,114,200 | 1,110 |
| Average total loans | $252,807,000 | 1,990 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 1,310 |
| Cost of funding earning assets | 1.2909% | 2,172 |
| Net interest margin | 3.9909% | 1,234 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 0.8431% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.3797% | 298 |
| Return on assets (ROA) | 2.3797% | 289 |
| Pretax return on assets | 3.1578% | 207 |
| Return on Equity (ROE) | 9.0200% | 2,924 |
| Retained earnings to average equity (ytd only) | 9.0244% | 1,682 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 21.0720% | 4,549 |
| Assets per employee ($millions) | 14.6775% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,017 |
| Loan loss allowance to noncurrent loans | 1,859.4595% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 2,948 |
| Noncurrent loans to loans | 0.0420% | 3,460 |
| Net loans and leases to total assets | 81.2500% | 508 |
| Net loans and leases to deposits | 133.8896% | 33 |
| Net loans and leases to core deposits | 140.5637% | 214 |
| Total domestic deposits to total assets | 60.6800% | 4,454 |
| Equity capital to assets | 26.0079% | 185 |
| Core capital (leverage) ratio | 26.5202% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $307,761,000 | 2,398 |
| Average earning assets | $295,296,000 | 2,332 |
| Average equity | $81,155,500 | 1,118 |
| Average total loans | $249,998,000 | 1,999 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 1,379 |
| Cost of funding earning assets | 1.1504% | 2,129 |
| Net interest margin | 3.9454% | 1,338 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 0.8853% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2754% | 317 |
| Return on assets (ROA) | 2.2754% | 310 |
| Pretax return on assets | 3.0174% | 204 |
| Return on Equity (ROE) | 8.5900% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.5871% | 1,794 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 22.6850% | 4,569 |
| Assets per employee ($millions) | 12.5990% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,041 |
| Loan loss allowance to noncurrent loans | 1,664.5161% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 2,826 |
| Noncurrent loans to loans | 0.0477% | 3,376 |
| Net loans and leases to total assets | 81.9400% | 437 |
| Net loans and leases to deposits | 135.1097% | 36 |
| Net loans and leases to core deposits | 138.8922% | 225 |
| Total domestic deposits to total assets | 60.6400% | 4,481 |
| Equity capital to assets | 26.0123% | 182 |
| Core capital (leverage) ratio | 26.7247% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5570% | 213 |
| Memoranda: | ||
| Average total assets | $302,712,667 | 2,429 |
| Average earning assets | $289,807,667 | 2,370 |
| Average equity | $80,213,667 | 1,118 |
| Average total loans | $245,190,000 | 2,021 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 1,477 |
| Cost of funding earning assets | 0.8961% | 2,384 |
| Net interest margin | 3.9692% | 1,328 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 0.8308% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3386% | 305 |
| Return on assets (ROA) | 2.3386% | 305 |
| Pretax return on assets | 3.0926% | 188 |
| Return on Equity (ROE) | 8.7400% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.7405% | 2,016 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 21.1757% | 4,640 |
| Assets per employee ($millions) | 11.9591% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 4,007 |
| Loan loss allowance to noncurrent loans | 1,166.1017% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 2,639 |
| Noncurrent loans to loans | 0.0721% | 3,215 |
| Net loans and leases to total assets | 81.4100% | 424 |
| Net loans and leases to deposits | 126.2767% | 53 |
| Net loans and leases to core deposits | 127.7722% | 306 |
| Total domestic deposits to total assets | 64.4700% | 4,504 |
| Equity capital to assets | 26.8318% | 138 |
| Core capital (leverage) ratio | 27.9373% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $296,582,000 | 2,487 |
| Average earning assets | $283,885,500 | 2,434 |
| Average equity | $79,354,500 | 1,137 |
| Average total loans | $237,714,500 | 2,081 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 1,056 |
| Cost of funding earning assets | 0.3018% | 2,860 |
| Net interest margin | 3.9962% | 790 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 0.8868% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.3443% | 174 |
| Return on assets (ROA) | 2.3355% | 170 |
| Pretax return on assets | 3.0933% | 125 |
| Return on Equity (ROE) | 8.9100% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.5121% | 1,638 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 22.2193% | 4,683 |
| Assets per employee ($millions) | 11.7675% | 418 |
| Cash dividends to net income (ytd only)* | 4.4796% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 3,777 |
| Loan loss allowance to noncurrent loans | 1,159.5506% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,636 |
| Noncurrent loans to loans | 0.0774% | 3,203 |
| Net loans and leases to total assets | 77.4700% | 849 |
| Net loans and leases to deposits | 105.8122% | 246 |
| Net loans and leases to core deposits | 106.1271% | 741 |
| Total domestic deposits to total assets | 73.2200% | 4,380 |
| Equity capital to assets | 26.6796% | 136 |
| Core capital (leverage) ratio | 27.9042% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $286,753,400 | 2,520 |
| Average earning assets | $273,733,600 | 2,475 |
| Average equity | $75,152,000 | 1,186 |
| Average total loans | $213,700,800 | 2,142 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 895 |
| Cost of funding earning assets | 0.2280% | 2,950 |
| Net interest margin | 3.9675% | 685 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 0.8705% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.2900% | 193 |
| Return on assets (ROA) | 2.2782% | 193 |
| Pretax return on assets | 3.0752% | 125 |
| Return on Equity (ROE) | 8.7300% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.1952% | 1,928 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 21.9780% | 4,718 |
| Assets per employee ($millions) | 10.4830% | 566 |
| Cash dividends to net income (ytd only)* | 6.1627% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 3,738 |
| Loan loss allowance to noncurrent loans | 1,153.0726% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,617 |
| Noncurrent loans to loans | 0.0815% | 3,295 |
| Net loans and leases to total assets | 76.8700% | 819 |
| Net loans and leases to deposits | 105.6659% | 196 |
| Net loans and leases to core deposits | 105.9932% | 588 |
| Total domestic deposits to total assets | 72.7500% | 4,491 |
| Equity capital to assets | 27.0837% | 122 |
| Core capital (leverage) ratio | 27.3444% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $284,895,000 | 2,549 |
| Average earning assets | $272,509,500 | 2,497 |
| Average equity | $74,318,000 | 1,207 |
| Average total loans | $209,632,750 | 2,173 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 900 |
| Cost of funding earning assets | 0.1475% | 3,610 |
| Net interest margin | 3.8769% | 643 |
| Noninterest income to average assets | 0.1569% | 4,234 |
| Noninterest expense to average assets | 0.8602% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2495% | 149 |
| Return on assets (ROA) | 2.2318% | 154 |
| Pretax return on assets | 2.9743% | 99 |
| Return on Equity (ROE) | 8.6649% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.8490% | 1,674 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.3029% | 4,748 |
| Assets per employee ($millions) | 10.3027% | 605 |
| Cash dividends to net income (ytd only)* | 9.4162% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,665 |
| Loan loss allowance to noncurrent loans | 997.1014% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,635 |
| Noncurrent loans to loans | 0.0988% | 3,265 |
| Net loans and leases to total assets | 74.6121% | 851 |
| Net loans and leases to deposits | 102.3619% | 200 |
| Net loans and leases to core deposits | 102.3619% | 573 |
| Total domestic deposits to total assets | 72.8905% | 4,564 |
| Equity capital to assets | 26.9535% | 80 |
| Core capital (leverage) ratio | 27.0449% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,513,000 | 2,560 |
| Average earning assets | $272,485,000 | 2,526 |
| Average equity | $73,538,000 | 1,247 |
| Average total loans | $206,294,333 | 2,191 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 1,219 |
| Cost of funding earning assets | 0.1209% | 3,887 |
| Net interest margin | 3.6100% | 877 |
| Noninterest income to average assets | 0.1452% | 4,288 |
| Noninterest expense to average assets | 0.8866% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0112% | 219 |
| Return on assets (ROA) | 2.0112% | 216 |
| Pretax return on assets | 2.6862% | 137 |
| Return on Equity (ROE) | 7.9870% | 2,697 |
| Retained earnings to average equity (ytd only) | 7.9870% | 1,591 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8161% | 4,764 |
| Assets per employee ($millions) | 12.2450% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,713 |
| Loan loss allowance to noncurrent loans | 784.7909% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 2,589 |
| Noncurrent loans to loans | 0.1278% | 3,172 |
| Net loans and leases to total assets | 72.3386% | 803 |
| Net loans and leases to deposits | 98.3130% | 222 |
| Net loans and leases to core deposits | 98.6940% | 553 |
| Total domestic deposits to total assets | 73.5799% | 4,587 |
| Equity capital to assets | 26.1137% | 82 |
| Core capital (leverage) ratio | 25.8128% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,183,500 | 2,553 |
| Average earning assets | $274,568,500 | 2,523 |
| Average equity | $72,818,500 | 1,291 |
| Average total loans | $204,634,500 | 2,197 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 1,105 |
| Cost of funding earning assets | 0.1580% | 3,891 |
| Net interest margin | 3.9772% | 743 |
| Noninterest income to average assets | 0.2087% | 4,118 |
| Noninterest expense to average assets | 0.9331% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.3541% | 189 |
| Return on assets (ROA) | 2.3541% | 195 |
| Pretax return on assets | 3.0877% | 135 |
| Return on Equity (ROE) | 8.3615% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.5838% | 1,696 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.2074% | 4,817 |
| Assets per employee ($millions) | 10.9901% | 509 |
| Cash dividends to net income (ytd only)* | 9.3020% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,681 |
| Loan loss allowance to noncurrent loans | 750.5455% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,761 |
| Noncurrent loans to loans | 0.1352% | 3,252 |
| Net loans and leases to total assets | 67.8762% | 1,282 |
| Net loans and leases to deposits | 90.2209% | 560 |
| Net loans and leases to core deposits | 90.6983% | 941 |
| Total domestic deposits to total assets | 75.2333% | 4,542 |
| Equity capital to assets | 24.2952% | 103 |
| Core capital (leverage) ratio | 26.4240% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,628,400 | 2,584 |
| Average earning assets | $261,315,000 | 2,544 |
| Average equity | $76,756,200 | 1,247 |
| Average total loans | $189,334,400 | 2,309 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 1,010 |
| Cost of funding earning assets | 0.1696% | 3,925 |
| Net interest margin | 4.0981% | 659 |
| Noninterest income to average assets | 0.2130% | 4,125 |
| Noninterest expense to average assets | 0.9432% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.4485% | 228 |
| Return on assets (ROA) | 2.4485% | 236 |
| Pretax return on assets | 3.2097% | 143 |
| Return on Equity (ROE) | 8.3774% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.8641% | 2,103 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.7119% | 4,892 |
| Assets per employee ($millions) | 9.8372% | 670 |
| Cash dividends to net income (ytd only)* | 6.1275% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,570 |
| Loan loss allowance to noncurrent loans | 756.0440% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,870 |
| Noncurrent loans to loans | 0.1418% | 3,399 |
| Net loans and leases to total assets | 71.7279% | 894 |
| Net loans and leases to deposits | 102.9505% | 173 |
| Net loans and leases to core deposits | 103.1584% | 487 |
| Total domestic deposits to total assets | 69.6723% | 4,740 |
| Equity capital to assets | 30.1986% | 68 |
| Core capital (leverage) ratio | 30.4301% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,602,250 | 2,648 |
| Average earning assets | $256,306,250 | 2,593 |
| Average equity | $77,922,250 | 1,249 |
| Average total loans | $185,799,250 | 2,379 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 1,107 |
| Cost of funding earning assets | 0.1797% | 3,950 |
| Net interest margin | 4.0621% | 744 |
| Noninterest income to average assets | 0.1551% | 4,420 |
| Noninterest expense to average assets | 0.8939% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3834% | 254 |
| Return on assets (ROA) | 2.3834% | 274 |
| Pretax return on assets | 3.1738% | 153 |
| Return on Equity (ROE) | 8.2452% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.4676% | 2,266 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9746% | 4,926 |
| Assets per employee ($millions) | 9.7651% | 657 |
| Cash dividends to net income (ytd only)* | 9.4310% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,533 |
| Loan loss allowance to noncurrent loans | 1,159.5506% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 3,243 |
| Noncurrent loans to loans | 0.0925% | 3,712 |
| Net loans and leases to total assets | 72.2206% | 937 |
| Net loans and leases to deposits | 103.0557% | 200 |
| Net loans and leases to core deposits | 103.2625% | 552 |
| Total domestic deposits to total assets | 70.0792% | 4,755 |
| Equity capital to assets | 29.7714% | 65 |
| Core capital (leverage) ratio | 29.7641% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,934,667 | 2,634 |
| Average earning assets | $257,111,000 | 2,578 |
| Average equity | $77,160,000 | 1,252 |
| Average total loans | $183,540,000 | 2,412 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 810 |
| Cost of funding earning assets | 0.1932% | 3,976 |
| Net interest margin | 4.2800% | 534 |
| Noninterest income to average assets | 0.1534% | 4,435 |
| Noninterest expense to average assets | 0.8147% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6228% | 218 |
| Return on assets (ROA) | 2.6228% | 242 |
| Pretax return on assets | 3.4300% | 155 |
| Return on Equity (ROE) | 9.2087% | 2,961 |
| Retained earnings to average equity (ytd only) | 9.2087% | 1,885 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.1930% | 4,951 |
| Assets per employee ($millions) | 9.4847% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,259 |
| Loan loss allowance to noncurrent loans | 1,026.8657% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 3,358 |
| Noncurrent loans to loans | 0.1108% | 3,753 |
| Net loans and leases to total assets | 67.5337% | 1,590 |
| Net loans and leases to deposits | 95.7652% | 412 |
| Net loans and leases to core deposits | 95.9537% | 885 |
| Total domestic deposits to total assets | 70.5201% | 4,757 |
| Equity capital to assets | 29.1346% | 68 |
| Core capital (leverage) ratio | 29.1102% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,572,500 | 2,604 |
| Average earning assets | $256,730,500 | 2,565 |
| Average equity | $76,492,500 | 1,256 |
| Average total loans | $179,070,000 | 2,442 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,565 |
| Cost of funding earning assets | 0.3501% | 3,869 |
| Net interest margin | 4.0580% | 857 |
| Noninterest income to average assets | 0.1881% | 4,349 |
| Noninterest expense to average assets | 0.9756% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.2560% | 174 |
| Return on assets (ROA) | 2.2560% | 186 |
| Pretax return on assets | 3.1006% | 115 |
| Return on Equity (ROE) | 7.5445% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.7258% | 1,498 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.9339% | 4,979 |
| Assets per employee ($millions) | 10.0583% | 522 |
| Cash dividends to net income (ytd only)* | 10.8519% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,118 |
| Loan loss allowance to noncurrent loans | 800.0000% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 3,386 |
| Noncurrent loans to loans | 0.1460% | 3,700 |
| Net loans and leases to total assets | 64.3147% | 2,321 |
| Net loans and leases to deposits | 89.3439% | 978 |
| Net loans and leases to core deposits | 89.7530% | 1,542 |
| Total domestic deposits to total assets | 71.9855% | 4,711 |
| Equity capital to assets | 27.8421% | 75 |
| Core capital (leverage) ratio | 29.7519% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,080,800 | 2,613 |
| Average earning assets | $234,818,800 | 2,561 |
| Average equity | $73,285,200 | 1,245 |
| Average total loans | $178,036,800 | 2,427 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,402 |
| Cost of funding earning assets | 0.3944% | 3,839 |
| Net interest margin | 4.1736% | 775 |
| Noninterest income to average assets | 0.1851% | 4,363 |
| Noninterest expense to average assets | 0.9662% | 4,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.3238% | 172 |
| Return on assets (ROA) | 2.3238% | 179 |
| Pretax return on assets | 3.2307% | 106 |
| Return on Equity (ROE) | 7.6216% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.0715% | 1,657 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.0216% | 5,012 |
| Assets per employee ($millions) | 9.6113% | 577 |
| Cash dividends to net income (ytd only)* | 7.2185% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 3,038 |
| Loan loss allowance to noncurrent loans | 885.8369% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 3,507 |
| Noncurrent loans to loans | 0.1275% | 3,873 |
| Net loans and leases to total assets | 72.2912% | 1,620 |
| Net loans and leases to deposits | 103.3130% | 405 |
| Net loans and leases to core deposits | 103.8731% | 932 |
| Total domestic deposits to total assets | 69.9730% | 4,759 |
| Equity capital to assets | 29.8465% | 62 |
| Core capital (leverage) ratio | 30.1250% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.9448% | 135 |
| Memoranda: | ||
| Average total assets | $238,457,500 | 2,642 |
| Average earning assets | $229,213,750 | 2,587 |
| Average equity | $72,703,500 | 1,237 |
| Average total loans | $178,364,500 | 2,423 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 1,333 |
| Cost of funding earning assets | 0.4413% | 3,836 |
| Net interest margin | 4.2879% | 770 |
| Noninterest income to average assets | 0.1833% | 4,362 |
| Noninterest expense to average assets | 1.0024% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.5332% | 132 |
| Return on assets (ROA) | 2.5332% | 143 |
| Pretax return on assets | 3.2884% | 87 |
| Return on Equity (ROE) | 8.2468% | 2,649 |
| Retained earnings to average equity (ytd only) | 7.4144% | 1,499 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.3611% | 5,041 |
| Assets per employee ($millions) | 9.7501% | 541 |
| Cash dividends to net income (ytd only)* | 10.0942% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,751 |
| Loan loss allowance to noncurrent loans | 655.2381% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 3,434 |
| Noncurrent loans to loans | 0.1764% | 3,742 |
| Net loans and leases to total assets | 72.4314% | 1,631 |
| Net loans and leases to deposits | 104.3482% | 364 |
| Net loans and leases to core deposits | 104.9306% | 949 |
| Total domestic deposits to total assets | 69.4132% | 4,807 |
| Equity capital to assets | 30.1130% | 63 |
| Core capital (leverage) ratio | 30.9844% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1854% | 154 |
| Memoranda: | ||
| Average total assets | $234,645,000 | 2,642 |
| Average earning assets | $224,771,667 | 2,590 |
| Average equity | $72,076,333 | 1,235 |
| Average total loans | $176,914,000 | 2,422 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,834 |
| Cost of funding earning assets | 0.5119% | 3,885 |
| Net interest margin | 4.1426% | 1,046 |
| Noninterest income to average assets | 0.1808% | 4,458 |
| Noninterest expense to average assets | 0.9979% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3834% | 133 |
| Return on assets (ROA) | 2.3834% | 147 |
| Pretax return on assets | 3.1361% | 77 |
| Return on Equity (ROE) | 7.6792% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.6792% | 1,323 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1379% | 5,081 |
| Assets per employee ($millions) | 9.0502% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,783 |
| Loan loss allowance to noncurrent loans | 796.9112% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 3,605 |
| Noncurrent loans to loans | 0.1478% | 3,928 |
| Net loans and leases to total assets | 76.5167% | 1,213 |
| Net loans and leases to deposits | 112.7831% | 150 |
| Net loans and leases to core deposits | 113.6642% | 679 |
| Total domestic deposits to total assets | 67.8441% | 4,930 |
| Equity capital to assets | 31.8668% | 61 |
| Core capital (leverage) ratio | 31.6302% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,091,500 | 2,622 |
| Average earning assets | $219,574,500 | 2,576 |
| Average equity | $71,414,000 | 1,245 |
| Average total loans | $176,062,500 | 2,403 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 1,662 |
| Cost of funding earning assets | 0.5526% | 3,861 |
| Net interest margin | 4.3778% | 937 |
| Noninterest income to average assets | 0.2086% | 4,415 |
| Noninterest expense to average assets | 1.0948% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.5374% | 126 |
| Return on assets (ROA) | 2.5374% | 134 |
| Pretax return on assets | 3.3222% | 83 |
| Return on Equity (ROE) | 8.2402% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.3623% | 1,228 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7858% | 5,150 |
| Assets per employee ($millions) | 9.3572% | 439 |
| Cash dividends to net income (ytd only)* | 10.6534% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,605 |
| Loan loss allowance to noncurrent loans | 351.0204% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 2,999 |
| Noncurrent loans to loans | 0.3323% | 3,249 |
| Net loans and leases to total assets | 74.7556% | 1,624 |
| Net loans and leases to deposits | 107.3538% | 250 |
| Net loans and leases to core deposits | 108.3106% | 958 |
| Total domestic deposits to total assets | 69.6348% | 4,947 |
| Equity capital to assets | 30.2348% | 69 |
| Core capital (leverage) ratio | 32.4570% | 63 |
| Tier 1 risk-based capital ratio | 37.4637% | 282 |
| Total risk-based capital ratio | 38.5569% | 278 |
| Memoranda: | ||
| Average total assets | $221,959,400 | 2,643 |
| Average earning assets | $213,370,000 | 2,576 |
| Average equity | $68,348,000 | 1,239 |
| Average total loans | $173,253,600 | 2,385 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 1,667 |
| Cost of funding earning assets | 0.5526% | 3,911 |
| Net interest margin | 4.4016% | 941 |
| Noninterest income to average assets | 0.2210% | 4,406 |
| Noninterest expense to average assets | 1.0912% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5799% | 144 |
| Return on assets (ROA) | 2.5799% | 151 |
| Pretax return on assets | 3.3831% | 89 |
| Return on Equity (ROE) | 8.3379% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.7476% | 1,515 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3876% | 5,228 |
| Assets per employee ($millions) | 8.8998% | 506 |
| Cash dividends to net income (ytd only)* | 7.0805% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,519 |
| Loan loss allowance to noncurrent loans | 106.1183% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0206% | 1,313 |
| Noncurrent loans to loans | 1.1291% | 1,406 |
| Net loans and leases to total assets | 79.6812% | 889 |
| Net loans and leases to deposits | 118.4287% | 104 |
| Net loans and leases to core deposits | 119.3697% | 556 |
| Total domestic deposits to total assets | 67.2820% | 5,076 |
| Equity capital to assets | 32.6014% | 60 |
| Core capital (leverage) ratio | 32.6327% | 66 |
| Tier 1 risk-based capital ratio | 40.4091% | 236 |
| Total risk-based capital ratio | 41.6068% | 234 |
| Memoranda: | ||
| Average total assets | $218,967,000 | 2,693 |
| Average earning assets | $211,584,250 | 2,620 |
| Average equity | $67,753,000 | 1,247 |
| Average total loans | $172,332,250 | 2,421 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 1,751 |
| Cost of funding earning assets | 0.5525% | 3,869 |
| Net interest margin | 4.3481% | 1,048 |
| Noninterest income to average assets | 0.2057% | 4,515 |
| Noninterest expense to average assets | 1.1361% | 5,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.4959% | 155 |
| Return on assets (ROA) | 2.4959% | 159 |
| Pretax return on assets | 3.2552% | 97 |
| Return on Equity (ROE) | 8.2085% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.3146% | 1,683 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.8717% | 5,270 |
| Assets per employee ($millions) | 8.8304% | 502 |
| Cash dividends to net income (ytd only)* | 10.8893% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,428 |
| Loan loss allowance to noncurrent loans | 119.6522% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 1,682 |
| Noncurrent loans to loans | 1.0175% | 1,612 |
| Net loans and leases to total assets | 79.0181% | 1,036 |
| Net loans and leases to deposits | 116.7559% | 113 |
| Net loans and leases to core deposits | 117.4750% | 627 |
| Total domestic deposits to total assets | 67.6780% | 5,113 |
| Equity capital to assets | 32.2196% | 61 |
| Core capital (leverage) ratio | 31.5936% | 64 |
| Tier 1 risk-based capital ratio | 40.7872% | 225 |
| Total risk-based capital ratio | 42.0200% | 221 |
| Memoranda: | ||
| Average total assets | $220,757,670 | 2,683 |
| Average earning assets | $212,505,670 | 2,617 |
| Average equity | $67,125,670 | 1,254 |
| Average total loans | $172,356,670 | 2,429 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 1,549 |
| Cost of funding earning assets | 0.5445% | 3,852 |
| Net interest margin | 4.3747% | 956 |
| Noninterest income to average assets | 0.1705% | 4,718 |
| Noninterest expense to average assets | 1.0996% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5314% | 150 |
| Return on assets (ROA) | 2.5314% | 159 |
| Pretax return on assets | 3.2668% | 103 |
| Return on Equity (ROE) | 8.5654% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.5654% | 1,461 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1831% | 5,333 |
| Assets per employee ($millions) | 9.1424% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,715 |
| Loan loss allowance to noncurrent loans | 98.3325% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 1,426 |
| Noncurrent loans to loans | 1.1941% | 1,386 |
| Net loans and leases to total assets | 79.1698% | 967 |
| Net loans and leases to deposits | 117.8779% | 103 |
| Net loans and leases to core deposits | 118.5828% | 564 |
| Total domestic deposits to total assets | 67.1625% | 5,191 |
| Equity capital to assets | 30.6508% | 66 |
| Core capital (leverage) ratio | 29.9048% | 73 |
| Tier 1 risk-based capital ratio | 36.2541% | 298 |
| Total risk-based capital ratio | 37.3760% | 294 |
| Memoranda: | ||
| Average total assets | $225,171,500 | 2,678 |
| Average earning assets | $215,970,500 | 2,622 |
| Average equity | $66,547,000 | 1,253 |
| Average total loans | $173,771,500 | 2,436 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 1,181 |
| Cost of funding earning assets | 0.4325% | 3,786 |
| Net interest margin | 4.5086% | 750 |
| Noninterest income to average assets | 0.1719% | 4,867 |
| Noninterest expense to average assets | 0.9944% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.8553% | 95 |
| Return on assets (ROA) | 2.8567% | 92 |
| Pretax return on assets | 3.5029% | 67 |
| Return on Equity (ROE) | 10.2728% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.3218% | 776 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1198% | 5,384 |
| Assets per employee ($millions) | 9.2370% | 428 |
| Cash dividends to net income (ytd only)* | 9.2578% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,562 |
| Loan loss allowance to noncurrent loans | 98.3325% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,463 |
| Noncurrent loans to loans | 1.2220% | 1,302 |
| Net loans and leases to total assets | 73.4880% | 2,014 |
| Net loans and leases to deposits | 103.0589% | 532 |
| Net loans and leases to core deposits | 103.0589% | 1,505 |
| Total domestic deposits to total assets | 71.3068% | 5,111 |
| Equity capital to assets | 28.5117% | 77 |
| Core capital (leverage) ratio | 30.0025% | 70 |
| Tier 1 risk-based capital ratio | 39.6127% | 239 |
| Total risk-based capital ratio | 40.8545% | 238 |
| Memoranda: | ||
| Average total assets | $226,867,200 | 2,637 |
| Average earning assets | $217,562,800 | 2,583 |
| Average equity | $63,089,000 | 1,265 |
| Average total loans | $168,253,200 | 2,452 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 1,047 |
| Cost of funding earning assets | 0.4142% | 3,760 |
| Net interest margin | 4.5342% | 690 |
| Noninterest income to average assets | 0.1801% | 4,884 |
| Noninterest expense to average assets | 0.9823% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.9449% | 84 |
| Return on assets (ROA) | 2.9434% | 85 |
| Pretax return on assets | 3.5586% | 73 |
| Return on Equity (ROE) | 10.6534% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.0124% | 920 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.6244% | 5,452 |
| Assets per employee ($millions) | 8.7321% | 486 |
| Cash dividends to net income (ytd only)* | 6.0169% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,400 |
| Loan loss allowance to noncurrent loans | 97.8663% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 1,465 |
| Noncurrent loans to loans | 1.2684% | 1,329 |
| Net loans and leases to total assets | 75.2192% | 1,779 |
| Net loans and leases to deposits | 107.0646% | 394 |
| Net loans and leases to core deposits | 107.0646% | 1,227 |
| Total domestic deposits to total assets | 70.2559% | 5,203 |
| Equity capital to assets | 29.5989% | 66 |
| Core capital (leverage) ratio | 29.0789% | 71 |
| Tier 1 risk-based capital ratio | 39.2861% | 243 |
| Total risk-based capital ratio | 40.5358% | 242 |
| Memoranda: | ||
| Average total assets | $225,852,500 | 2,658 |
| Average earning assets | $217,305,500 | 2,594 |
| Average equity | $62,401,000 | 1,282 |
| Average total loans | $167,374,750 | 2,475 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,740 |
| Cost of funding earning assets | 0.3891% | 3,812 |
| Net interest margin | 4.2244% | 1,224 |
| Noninterest income to average assets | 0.1699% | 4,977 |
| Noninterest expense to average assets | 1.0150% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6662% | 116 |
| Return on assets (ROA) | 2.6676% | 115 |
| Pretax return on assets | 3.2071% | 89 |
| Return on Equity (ROE) | 9.8795% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.9065% | 1,250 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0506% | 5,511 |
| Assets per employee ($millions) | 8.9909% | 448 |
| Cash dividends to net income (ytd only)* | 9.8490% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,693 |
| Loan loss allowance to noncurrent loans | 105.8462% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 1,678 |
| Noncurrent loans to loans | 1.1364% | 1,543 |
| Net loans and leases to total assets | 75.4209% | 1,736 |
| Net loans and leases to deposits | 107.0146% | 392 |
| Net loans and leases to core deposits | 107.0146% | 1,181 |
| Total domestic deposits to total assets | 70.4772% | 5,260 |
| Equity capital to assets | 27.8856% | 82 |
| Core capital (leverage) ratio | 27.9516% | 83 |
| Tier 1 risk-based capital ratio | 36.7272% | 281 |
| Total risk-based capital ratio | 37.9375% | 278 |
| Memoranda: | ||
| Average total assets | $228,369,330 | 2,654 |
| Average earning assets | $218,967,330 | 2,593 |
| Average equity | $61,663,000 | 1,292 |
| Average total loans | $167,743,330 | 2,481 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 1,444 |
| Cost of funding earning assets | 0.3679% | 3,845 |
| Net interest margin | 4.2798% | 983 |
| Noninterest income to average assets | 0.1477% | 5,125 |
| Noninterest expense to average assets | 0.9645% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.6092% | 119 |
| Return on assets (ROA) | 2.6120% | 120 |
| Pretax return on assets | 3.2707% | 92 |
| Return on Equity (ROE) | 9.8308% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.8308% | 1,215 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.7926% | 5,583 |
| Assets per employee ($millions) | 8.9746% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,625 |
| Loan loss allowance to noncurrent loans | 81.1321% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 1,321 |
| Noncurrent loans to loans | 1.5170% | 1,159 |
| Net loans and leases to total assets | 73.8249% | 1,890 |
| Net loans and leases to deposits | 106.1245% | 376 |
| Net loans and leases to core deposits | 106.1245% | 1,225 |
| Total domestic deposits to total assets | 69.5645% | 5,375 |
| Equity capital to assets | 27.5897% | 78 |
| Core capital (leverage) ratio | 27.2503% | 85 |
| Tier 1 risk-based capital ratio | 37.0236% | 279 |
| Total risk-based capital ratio | 38.2581% | 273 |
| Memoranda: | ||
| Average total assets | $230,168,000 | 2,662 |
| Average earning assets | $219,637,500 | 2,619 |
| Average equity | $61,155,000 | 1,306 |
| Average total loans | $165,820,500 | 2,517 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 2,118 |
| Cost of funding earning assets | 0.3304% | 3,869 |
| Net interest margin | 4.0377% | 1,632 |
| Noninterest income to average assets | 0.2511% | 4,630 |
| Noninterest expense to average assets | 0.9273% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9416% | 318 |
| Return on assets (ROA) | 1.9416% | 323 |
| Pretax return on assets | 3.1909% | 88 |
| Return on Equity (ROE) | 7.6386% | 2,982 |
| Retained earnings to average equity (ytd only) | 6.6168% | 1,222 |
| Net charge-offs to loans | 0.0100% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 460.6875% | 189 |
| Efficiency ratio | 22.5166% | 5,643 |
| Assets per employee ($millions) | 9.4388% | 382 |
| Cash dividends to net income (ytd only)* | 13.3779% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,432 |
| Loan loss allowance to noncurrent loans | 78.2114% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 1,303 |
| Noncurrent loans to loans | 1.6097% | 1,033 |
| Net loans and leases to total assets | 68.5998% | 2,740 |
| Net loans and leases to deposits | 95.6233% | 1,120 |
| Net loans and leases to core deposits | 95.6233% | 2,063 |
| Total domestic deposits to total assets | 71.7396% | 5,337 |
| Equity capital to assets | 25.5999% | 91 |
| Core capital (leverage) ratio | 26.3879% | 86 |
| Tier 1 risk-based capital ratio | 35.6457% | 305 |
| Total risk-based capital ratio | 36.8636% | 301 |
| Memoranda: | ||
| Average total assets | $231,001,000 | 2,634 |
| Average earning assets | $221,239,800 | 2,571 |
| Average equity | $58,714,600 | 1,337 |
| Average total loans | $159,494,400 | 2,553 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 1,911 |
| Cost of funding earning assets | 0.3238% | 3,903 |
| Net interest margin | 4.0946% | 1,406 |
| Noninterest income to average assets | 0.2582% | 4,655 |
| Noninterest expense to average assets | 0.8966% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1692% | 227 |
| Return on assets (ROA) | 2.1692% | 232 |
| Pretax return on assets | 3.3095% | 95 |
| Return on Equity (ROE) | 8.5500% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.8638% | 1,277 |
| Net charge-offs to loans | 0.0126% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 380.1905% | 248 |
| Efficiency ratio | 21.3162% | 5,713 |
| Assets per employee ($millions) | 9.0442% | 433 |
| Cash dividends to net income (ytd only)* | 8.0257% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,403 |
| Loan loss allowance to noncurrent loans | 71.7263% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 1,231 |
| Noncurrent loans to loans | 1.8002% | 994 |
| Net loans and leases to total assets | 69.8198% | 2,589 |
| Net loans and leases to deposits | 95.7942% | 1,130 |
| Net loans and leases to core deposits | 95.7942% | 2,098 |
| Total domestic deposits to total assets | 72.8852% | 5,323 |
| Equity capital to assets | 26.5271% | 85 |
| Core capital (leverage) ratio | 25.9291% | 89 |
| Tier 1 risk-based capital ratio | 32.2764% | 406 |
| Total risk-based capital ratio | 33.3877% | 404 |
| Memoranda: | ||
| Average total assets | $229,758,750 | 2,668 |
| Average earning assets | $221,520,500 | 2,593 |
| Average equity | $58,291,250 | 1,359 |
| Average total loans | $158,383,250 | 2,586 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,096 |
| Cost of funding earning assets | 0.3109% | 3,964 |
| Net interest margin | 3.9962% | 1,619 |
| Noninterest income to average assets | 0.3031% | 4,370 |
| Noninterest expense to average assets | 0.8936% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2089% | 208 |
| Return on assets (ROA) | 2.2089% | 212 |
| Pretax return on assets | 3.2488% | 102 |
| Return on Equity (ROE) | 8.8379% | 2,583 |
| Retained earnings to average equity (ytd only) | 7.7986% | 1,238 |
| Net charge-offs to loans | 0.0190% | 2,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 250.1333% | 338 |
| Efficiency ratio | 21.5719% | 5,764 |
| Assets per employee ($millions) | 9.0962% | 410 |
| Cash dividends to net income (ytd only)* | 11.7601% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,449 |
| Loan loss allowance to noncurrent loans | 63.0920% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 978 |
| Noncurrent loans to loans | 2.0481% | 818 |
| Net loans and leases to total assets | 69.3662% | 2,609 |
| Net loans and leases to deposits | 94.6854% | 1,206 |
| Net loans and leases to core deposits | 94.6854% | 2,093 |
| Total domestic deposits to total assets | 73.2597% | 5,362 |
| Equity capital to assets | 25.8546% | 90 |
| Core capital (leverage) ratio | 25.3892% | 93 |
| Tier 1 risk-based capital ratio | 34.0493% | 329 |
| Total risk-based capital ratio | 35.2453% | 325 |
| Memoranda: | ||
| Average total assets | $230,976,670 | 2,671 |
| Average earning assets | $221,908,670 | 2,602 |
| Average equity | $57,728,670 | 1,374 |
| Average total loans | $157,867,330 | 2,592 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 2,893 |
| Cost of funding earning assets | 0.2921% | 4,124 |
| Net interest margin | 3.7501% | 2,308 |
| Noninterest income to average assets | 0.4227% | 3,506 |
| Noninterest expense to average assets | 0.8850% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2753% | 199 |
| Return on assets (ROA) | 2.2753% | 204 |
| Pretax return on assets | 3.1122% | 119 |
| Return on Equity (ROE) | 9.2595% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.2595% | 996 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1410% | 5,828 |
| Assets per employee ($millions) | 9.0976% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,358 |
| Loan loss allowance to noncurrent loans | 36.3891% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.5422% | 448 |
| Noncurrent loans to loans | 3.6698% | 316 |
| Net loans and leases to total assets | 67.5684% | 2,738 |
| Net loans and leases to deposits | 91.1884% | 1,407 |
| Net loans and leases to core deposits | 91.1884% | 2,241 |
| Total domestic deposits to total assets | 74.0977% | 5,408 |
| Equity capital to assets | 25.4402% | 96 |
| Core capital (leverage) ratio | 24.7396% | 102 |
| Tier 1 risk-based capital ratio | 35.4508% | 316 |
| Total risk-based capital ratio | 36.7006% | 310 |
| Memoranda: | ||
| Average total assets | $232,762,000 | 2,688 |
| Average earning assets | $221,858,500 | 2,629 |
| Average equity | $57,195,500 | 1,378 |
| Average total loans | $156,897,000 | 2,621 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,416 |
| Cost of funding earning assets | 0.2959% | 4,108 |
| Net interest margin | 3.6436% | 2,916 |
| Noninterest income to average assets | 0.2239% | 5,071 |
| Noninterest expense to average assets | 0.9529% | 5,866 |
| Loan and lease loss provision to assets | 0.0043% | 4,266 |
| Net operating income to assets | 2.2097% | 223 |
| Return on assets (ROA) | 2.2097% | 231 |
| Pretax return on assets | 2.7851% | 141 |
| Return on Equity (ROE) | 9.5286% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.4100% | 734 |
| Net charge-offs to loans | 0.0114% | 3,889 |
| Credit loss provision to net charge-offs | 58.8235% | 3,264 |
| Earnings coverage of net charge-offs (x) | 379.5294% | 213 |
| Efficiency ratio | 25.4621% | 5,883 |
| Assets per employee ($millions) | 9.5234% | 356 |
| Cash dividends to net income (ytd only)* | 11.7394% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,455 |
| Loan loss allowance to noncurrent loans | 36.8402% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.3991% | 513 |
| Noncurrent loans to loans | 3.5726% | 330 |
| Net loans and leases to total assets | 65.5048% | 3,146 |
| Net loans and leases to deposits | 86.3277% | 2,131 |
| Net loans and leases to core deposits | 86.4478% | 2,818 |
| Total domestic deposits to total assets | 75.8792% | 5,253 |
| Equity capital to assets | 23.7436% | 118 |
| Core capital (leverage) ratio | 24.3570% | 108 |
| Tier 1 risk-based capital ratio | 34.1330% | 346 |
| Total risk-based capital ratio | 35.3828% | 338 |
| Memoranda: | ||
| Average total assets | $231,301,800 | 2,655 |
| Average earning assets | $223,349,400 | 2,565 |
| Average equity | $53,638,400 | 1,431 |
| Average total loans | $148,819,400 | 2,660 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 3,658 |
| Cost of funding earning assets | 0.2955% | 4,151 |
| Net interest margin | 3.5840% | 3,142 |
| Noninterest income to average assets | 0.2381% | 5,051 |
| Noninterest expense to average assets | 0.9454% | 5,932 |
| Loan and lease loss provision to assets | 0.0058% | 4,112 |
| Net operating income to assets | 2.3663% | 194 |
| Return on assets (ROA) | 2.3663% | 201 |
| Pretax return on assets | 2.7734% | 146 |
| Return on Equity (ROE) | 10.2677% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.5118% | 688 |
| Net charge-offs to loans | 0.0237% | 3,200 |
| Credit loss provision to net charge-offs | 38.4615% | 3,164 |
| Earnings coverage of net charge-offs (x) | 184.0545% | 394 |
| Efficiency ratio | 25.3820% | 5,951 |
| Assets per employee ($millions) | 9.6149% | 334 |
| Cash dividends to net income (ytd only)* | 7.3620% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,442 |
| Loan loss allowance to noncurrent loans | 34.1862% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.6539% | 492 |
| Noncurrent loans to loans | 3.9472% | 281 |
| Net loans and leases to total assets | 65.6123% | 3,186 |
| Net loans and leases to deposits | 88.7225% | 1,927 |
| Net loans and leases to core deposits | 88.8532% | 2,677 |
| Total domestic deposits to total assets | 73.9523% | 5,436 |
| Equity capital to assets | 24.1873% | 120 |
| Core capital (leverage) ratio | 24.1933% | 110 |
| Tier 1 risk-based capital ratio | 34.6453% | 343 |
| Total risk-based capital ratio | 35.8955% | 338 |
| Memoranda: | ||
| Average total assets | $229,606,000 | 2,675 |
| Average earning assets | $223,358,000 | 2,570 |
| Average equity | $52,915,500 | 1,458 |
| Average total loans | $146,515,000 | 2,692 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,446 |
| Cost of funding earning assets | 0.2936% | 4,206 |
| Net interest margin | 3.6521% | 2,884 |
| Noninterest income to average assets | 0.1701% | 5,467 |
| Noninterest expense to average assets | 0.9781% | 6,008 |
| Loan and lease loss provision to assets | 0.0087% | 3,908 |
| Net operating income to assets | 1.7930% | 478 |
| Return on assets (ROA) | 1.7930% | 507 |
| Pretax return on assets | 2.7327% | 155 |
| Return on Equity (ROE) | 7.9116% | 3,025 |
| Retained earnings to average equity (ytd only) | 6.7566% | 1,736 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2960% | 6,023 |
| Assets per employee ($millions) | 9.3980% | 341 |
| Cash dividends to net income (ytd only)* | 14.5985% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 2,139 |
| Loan loss allowance to noncurrent loans | 46.0070% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.1547% | 726 |
| Noncurrent loans to loans | 3.1162% | 461 |
| Net loans and leases to total assets | 63.9199% | 3,373 |
| Net loans and leases to deposits | 84.8950% | 2,361 |
| Net loans and leases to core deposits | 85.0201% | 2,984 |
| Total domestic deposits to total assets | 75.2929% | 5,380 |
| Equity capital to assets | 23.3996% | 123 |
| Core capital (leverage) ratio | 22.9176% | 118 |
| Tier 1 risk-based capital ratio | 34.4055% | 350 |
| Total risk-based capital ratio | 35.6565% | 342 |
| Memoranda: | ||
| Average total assets | $229,222,330 | 2,684 |
| Average earning assets | $222,775,000 | 2,586 |
| Average equity | $51,949,330 | 1,484 |
| Average total loans | $144,194,670 | 2,719 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,451 |
| Cost of funding earning assets | 0.2911% | 4,267 |
| Net interest margin | 3.6436% | 2,912 |
| Noninterest income to average assets | 0.1852% | 5,391 |
| Noninterest expense to average assets | 0.9764% | 6,075 |
| Loan and lease loss provision to assets | 0.0104% | 3,557 |
| Net operating income to assets | 1.7935% | 478 |
| Return on assets (ROA) | 1.7935% | 510 |
| Pretax return on assets | 2.7301% | 165 |
| Return on Equity (ROE) | 8.0411% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.0411% | 1,443 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2692% | 6,083 |
| Assets per employee ($millions) | 9.4065% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 2,206 |
| Loan loss allowance to noncurrent loans | 41.8684% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.3791% | 649 |
| Noncurrent loans to loans | 3.4627% | 394 |
| Net loans and leases to total assets | 63.0210% | 3,383 |
| Net loans and leases to deposits | 83.7733% | 2,333 |
| Net loans and leases to core deposits | 83.7733% | 2,958 |
| Total domestic deposits to total assets | 75.2280% | 5,494 |
| Equity capital to assets | 23.0582% | 130 |
| Core capital (leverage) ratio | 22.4817% | 127 |
| Tier 1 risk-based capital ratio | 34.8008% | 339 |
| Total risk-based capital ratio | 36.0523% | 336 |
| Memoranda: | ||
| Average total assets | $231,058,000 | 2,681 |
| Average earning assets | $223,952,000 | 2,594 |
| Average equity | $51,535,000 | 1,491 |
| Average total loans | $143,157,500 | 2,733 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,196 |
| Cost of funding earning assets | 0.2590% | 4,698 |
| Net interest margin | 3.7717% | 2,472 |
| Noninterest income to average assets | 0.1620% | 5,615 |
| Noninterest expense to average assets | 0.9655% | 6,126 |
| Loan and lease loss provision to assets | 0.0108% | 4,190 |
| Net operating income to assets | 1.8831% | 416 |
| Return on assets (ROA) | 1.8831% | 429 |
| Pretax return on assets | 2.8405% | 128 |
| Return on Equity (ROE) | 8.5272% | 2,704 |
| Retained earnings to average equity (ytd only) | 7.3075% | 1,165 |
| Net charge-offs to loans | 0.0496% | 3,211 |
| Credit loss provision to net charge-offs | 36.3636% | 3,575 |
| Earnings coverage of net charge-offs (x) | 96.2424% | 596 |
| Efficiency ratio | 25.2970% | 6,154 |
| Assets per employee ($millions) | 9.0908% | 374 |
| Cash dividends to net income (ytd only)* | 14.3027% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 2,130 |
| Loan loss allowance to noncurrent loans | 41.1718% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.3367% | 689 |
| Noncurrent loans to loans | 3.5710% | 379 |
| Net loans and leases to total assets | 59.1730% | 3,944 |
| Net loans and leases to deposits | 76.2158% | 3,224 |
| Net loans and leases to core deposits | 76.3201% | 3,727 |
| Total domestic deposits to total assets | 77.6389% | 5,225 |
| Equity capital to assets | 21.5835% | 158 |
| Core capital (leverage) ratio | 22.3389% | 125 |
| Tier 1 risk-based capital ratio | 31.6504% | 440 |
| Total risk-based capital ratio | 32.9011% | 439 |
| Memoranda: | ||
| Average total assets | $222,776,800 | 2,727 |
| Average earning assets | $215,870,200 | 2,625 |
| Average equity | $49,195,800 | 1,517 |
| Average total loans | $133,129,400 | 2,842 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,256 |
| Cost of funding earning assets | 0.2630% | 4,745 |
| Net interest margin | 3.7578% | 2,533 |
| Noninterest income to average assets | 0.1568% | 5,705 |
| Noninterest expense to average assets | 1.0198% | 6,209 |
| Loan and lease loss provision to assets | 0.0109% | 4,051 |
| Net operating income to assets | 1.8184% | 500 |
| Return on assets (ROA) | 1.8184% | 523 |
| Pretax return on assets | 2.7817% | 149 |
| Return on Equity (ROE) | 8.1845% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.3639% | 1,515 |
| Net charge-offs to loans | 0.0692% | 2,571 |
| Credit loss provision to net charge-offs | 26.4706% | 3,309 |
| Earnings coverage of net charge-offs (x) | 67.5768% | 834 |
| Efficiency ratio | 26.7496% | 6,237 |
| Assets per employee ($millions) | 8.5810% | 429 |
| Cash dividends to net income (ytd only)* | 10.0267% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 2,078 |
| Loan loss allowance to noncurrent loans | 37.9865% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.6198% | 634 |
| Noncurrent loans to loans | 3.9959% | 326 |
| Net loans and leases to total assets | 60.4580% | 3,818 |
| Net loans and leases to deposits | 79.9860% | 2,888 |
| Net loans and leases to core deposits | 80.3438% | 3,401 |
| Total domestic deposits to total assets | 75.5857% | 5,554 |
| Equity capital to assets | 22.4628% | 141 |
| Core capital (leverage) ratio | 22.9737% | 119 |
| Tier 1 risk-based capital ratio | 34.0849% | 375 |
| Total risk-based capital ratio | 35.3370% | 373 |
| Memoranda: | ||
| Average total assets | $219,380,750 | 2,775 |
| Average earning assets | $213,415,750 | 2,666 |
| Average equity | $48,741,000 | 1,539 |
| Average total loans | $130,924,500 | 2,890 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,191 |
| Cost of funding earning assets | 0.2647% | 4,775 |
| Net interest margin | 3.7587% | 2,481 |
| Noninterest income to average assets | 0.0798% | 6,090 |
| Noninterest expense to average assets | 1.0168% | 6,287 |
| Loan and lease loss provision to assets | 0.0110% | 3,888 |
| Net operating income to assets | 1.7457% | 576 |
| Return on assets (ROA) | 1.7457% | 604 |
| Pretax return on assets | 2.6974% | 194 |
| Return on Equity (ROE) | 7.8869% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.6442% | 1,877 |
| Net charge-offs to loans | 0.1055% | 1,947 |
| Credit loss provision to net charge-offs | 17.6471% | 3,038 |
| Earnings coverage of net charge-offs (x) | 43.4412% | 1,065 |
| Efficiency ratio | 27.2951% | 6,308 |
| Assets per employee ($millions) | 8.4434% | 445 |
| Cash dividends to net income (ytd only)* | 15.7563% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 2,073 |
| Loan loss allowance to noncurrent loans | 34.5615% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.9017% | 590 |
| Noncurrent loans to loans | 4.4934% | 300 |
| Net loans and leases to total assets | 59.8604% | 3,856 |
| Net loans and leases to deposits | 79.6614% | 2,833 |
| Net loans and leases to core deposits | 80.0252% | 3,380 |
| Total domestic deposits to total assets | 75.1436% | 5,691 |
| Equity capital to assets | 22.3319% | 143 |
| Core capital (leverage) ratio | 22.6785% | 123 |
| Tier 1 risk-based capital ratio | 34.2317% | 385 |
| Total risk-based capital ratio | 35.4844% | 383 |
| Memoranda: | ||
| Average total assets | $218,138,670 | 2,803 |
| Average earning assets | $211,562,000 | 2,701 |
| Average equity | $48,282,670 | 1,552 |
| Average total loans | $128,911,000 | 2,932 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,271 |
| Cost of funding earning assets | 0.2662% | 4,840 |
| Net interest margin | 3.7223% | 2,543 |
| Noninterest income to average assets | 0.1950% | 5,544 |
| Noninterest expense to average assets | 1.0633% | 6,355 |
| Loan and lease loss provision to assets | 0.0110% | 3,582 |
| Net operating income to assets | 1.8009% | 482 |
| Return on assets (ROA) | 1.8009% | 507 |
| Pretax return on assets | 2.7225% | 183 |
| Return on Equity (ROE) | 8.1734% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.1734% | 1,503 |
| Net charge-offs to loans | 0.0758% | 1,948 |
| Credit loss provision to net charge-offs | 25.0000% | 2,316 |
| Earnings coverage of net charge-offs (x) | 61.9167% | 720 |
| Efficiency ratio | 28.0039% | 6,378 |
| Assets per employee ($millions) | 8.1086% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 1,763 |
| Loan loss allowance to noncurrent loans | 34.4260% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 592 |
| Noncurrent loans to loans | 4.9088% | 281 |
| Net loans and leases to total assets | 58.2512% | 3,907 |
| Net loans and leases to deposits | 76.1622% | 3,032 |
| Net loans and leases to core deposits | 76.3991% | 3,547 |
| Total domestic deposits to total assets | 76.4831% | 5,685 |
| Equity capital to assets | 22.9591% | 129 |
| Core capital (leverage) ratio | 22.3341% | 129 |
| Tier 1 risk-based capital ratio | 39.1886% | 273 |
| Total risk-based capital ratio | 40.4435% | 268 |
| Memoranda: | ||
| Average total assets | $217,443,500 | 2,828 |
| Average earning assets | $210,406,500 | 2,727 |
| Average equity | $47,911,500 | 1,571 |
| Average total loans | $126,624,500 | 2,970 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,298 |
| Cost of funding earning assets | 0.2957% | 4,835 |
| Net interest margin | 3.8116% | 2,585 |
| Noninterest income to average assets | 0.1789% | 5,783 |
| Noninterest expense to average assets | 1.0419% | 6,441 |
| Loan and lease loss provision to assets | 0.0112% | 4,404 |
| Net operating income to assets | 1.7975% | 481 |
| Return on assets (ROA) | 1.7975% | 492 |
| Pretax return on assets | 2.7973% | 135 |
| Return on Equity (ROE) | 8.3916% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.0835% | 1,365 |
| Net charge-offs to loans | -0.0552% | 5,958 |
| Credit loss provision to net charge-offs | -33.3333% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0588% | 6,476 |
| Assets per employee ($millions) | 8.6178% | 413 |
| Cash dividends to net income (ytd only)* | 15.5885% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 1,904 |
| Loan loss allowance to noncurrent loans | 29.5571% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 3.2370% | 594 |
| Noncurrent loans to loans | 5.6128% | 222 |
| Net loans and leases to total assets | 56.3241% | 4,293 |
| Net loans and leases to deposits | 71.9120% | 3,690 |
| Net loans and leases to core deposits | 72.2211% | 4,101 |
| Total domestic deposits to total assets | 78.3236% | 5,370 |
| Equity capital to assets | 21.1636% | 183 |
| Core capital (leverage) ratio | 22.4451% | 133 |
| Tier 1 risk-based capital ratio | 36.0455% | 310 |
| Total risk-based capital ratio | 37.2997% | 304 |
| Memoranda: | ||
| Average total assets | $214,136,600 | 2,841 |
| Average earning assets | $206,266,000 | 2,740 |
| Average equity | $45,867,400 | 1,567 |
| Average total loans | $130,493,800 | 2,857 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,159 |
| Cost of funding earning assets | 0.3005% | 4,882 |
| Net interest margin | 3.8534% | 2,422 |
| Noninterest income to average assets | 0.1827% | 5,829 |
| Noninterest expense to average assets | 1.0671% | 6,515 |
| Loan and lease loss provision to assets | 0.0113% | 4,194 |
| Net operating income to assets | 1.9049% | 416 |
| Return on assets (ROA) | 1.9049% | 432 |
| Pretax return on assets | 2.8202% | 138 |
| Return on Equity (ROE) | 8.8654% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.9859% | 1,369 |
| Net charge-offs to loans | -0.0733% | 6,044 |
| Credit loss provision to net charge-offs | -25.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3711% | 6,551 |
| Assets per employee ($millions) | 7.3917% | 673 |
| Cash dividends to net income (ytd only)* | 9.9206% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,122 |
| Loan loss allowance to noncurrent loans | 29.2303% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 3.5334% | 600 |
| Noncurrent loans to loans | 5.6614% | 272 |
| Net loans and leases to total assets | 60.9597% | 3,638 |
| Net loans and leases to deposits | 79.2850% | 2,808 |
| Net loans and leases to core deposits | 79.6609% | 3,356 |
| Total domestic deposits to total assets | 76.8868% | 5,694 |
| Equity capital to assets | 22.6571% | 140 |
| Core capital (leverage) ratio | 22.3763% | 133 |
| Tier 1 risk-based capital ratio | 35.7656% | 333 |
| Total risk-based capital ratio | 37.0166% | 330 |
| Memoranda: | ||
| Average total assets | $211,654,750 | 2,888 |
| Average earning assets | $204,110,500 | 2,785 |
| Average equity | $45,479,250 | 1,582 |
| Average total loans | $131,034,500 | 2,853 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,356 |
| Cost of funding earning assets | 0.3021% | 4,949 |
| Net interest margin | 3.7947% | 2,591 |
| Noninterest income to average assets | 0.1548% | 6,018 |
| Noninterest expense to average assets | 1.0675% | 6,580 |
| Loan and lease loss provision to assets | 0.0113% | 4,022 |
| Net operating income to assets | 1.7531% | 529 |
| Return on assets (ROA) | 1.7531% | 558 |
| Pretax return on assets | 2.7165% | 152 |
| Return on Equity (ROE) | 8.3052% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.9721% | 1,789 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1265% | 6,616 |
| Assets per employee ($millions) | 7.3914% | 664 |
| Cash dividends to net income (ytd only)* | 16.0514% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 2,595 |
| Loan loss allowance to noncurrent loans | 24.8602% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.9989% | 532 |
| Noncurrent loans to loans | 6.3022% | 236 |
| Net loans and leases to total assets | 62.0799% | 3,389 |
| Net loans and leases to deposits | 80.2599% | 2,483 |
| Net loans and leases to core deposits | 80.6377% | 3,139 |
| Total domestic deposits to total assets | 77.3487% | 5,750 |
| Equity capital to assets | 22.1029% | 143 |
| Core capital (leverage) ratio | 21.3553% | 150 |
| Tier 1 risk-based capital ratio | 33.4621% | 396 |
| Total risk-based capital ratio | 34.7152% | 387 |
| Memoranda: | ||
| Average total assets | $213,217,000 | 2,883 |
| Average earning assets | $204,548,000 | 2,788 |
| Average equity | $45,008,000 | 1,587 |
| Average total loans | $131,949,330 | 2,836 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 3,965 |
| Cost of funding earning assets | 0.2990% | 5,077 |
| Net interest margin | 3.6318% | 3,134 |
| Noninterest income to average assets | 0.1886% | 5,835 |
| Noninterest expense to average assets | 1.1278% | 6,652 |
| Loan and lease loss provision to assets | 0.0111% | 3,685 |
| Net operating income to assets | 1.7398% | 532 |
| Return on assets (ROA) | 1.7398% | 549 |
| Pretax return on assets | 2.5311% | 211 |
| Return on Equity (ROE) | 8.4319% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.4319% | 1,443 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7305% | 6,670 |
| Assets per employee ($millions) | 7.4957% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 3,091 |
| Loan loss allowance to noncurrent loans | 20.0827% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 4.9419% | 417 |
| Noncurrent loans to loans | 7.5284% | 193 |
| Net loans and leases to total assets | 63.2857% | 3,017 |
| Net loans and leases to deposits | 80.8468% | 2,182 |
| Net loans and leases to core deposits | 81.0936% | 2,842 |
| Total domestic deposits to total assets | 78.2785% | 5,792 |
| Equity capital to assets | 21.4947% | 158 |
| Core capital (leverage) ratio | 21.3441% | 151 |
| Tier 1 risk-based capital ratio | 33.7402% | 393 |
| Total risk-based capital ratio | 34.9884% | 385 |
| Memoranda: | ||
| Average total assets | $216,346,000 | 2,870 |
| Average earning assets | $207,391,000 | 2,773 |
| Average equity | $44,640,000 | 1,594 |
| Average total loans | $132,661,500 | 2,839 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 2,278 |
| Cost of funding earning assets | 0.3730% | 4,914 |
| Net interest margin | 4.1090% | 1,614 |
| Noninterest income to average assets | 0.2008% | 5,882 |
| Noninterest expense to average assets | 1.1291% | 6,728 |
| Loan and lease loss provision to assets | 0.0114% | 4,898 |
| Net operating income to assets | 1.9715% | 359 |
| Return on assets (ROA) | 1.9715% | 357 |
| Pretax return on assets | 3.0334% | 120 |
| Return on Equity (ROE) | 9.7128% | 2,228 |
| Retained earnings to average equity (ytd only) | 8.3027% | 953 |
| Net charge-offs to loans | 0.4672% | 1,426 |
| Credit loss provision to net charge-offs | 3.5608% | 4,667 |
| Earnings coverage of net charge-offs (x) | 9.4703% | 2,500 |
| Efficiency ratio | 27.0514% | 6,775 |
| Assets per employee ($millions) | 7.9576% | 480 |
| Cash dividends to net income (ytd only)* | 14.5173% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,926 |
| Loan loss allowance to noncurrent loans | 26.1445% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 3.5882% | 798 |
| Noncurrent loans to loans | 5.9604% | 348 |
| Net loans and leases to total assets | 57.6392% | 4,094 |
| Net loans and leases to deposits | 72.1816% | 3,498 |
| Net loans and leases to core deposits | 72.4876% | 4,005 |
| Total domestic deposits to total assets | 79.8530% | 5,478 |
| Equity capital to assets | 19.8225% | 218 |
| Core capital (leverage) ratio | 21.3600% | 149 |
| Tier 1 risk-based capital ratio | 33.8104% | 372 |
| Total risk-based capital ratio | 35.0650% | 363 |
| Memoranda: | ||
| Average total assets | $209,635,600 | 2,917 |
| Average earning assets | $202,703,800 | 2,801 |
| Average equity | $42,552,200 | 1,653 |
| Average total loans | $144,258,600 | 2,633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 1,842 |
| Cost of funding earning assets | 0.3824% | 4,973 |
| Net interest margin | 4.2345% | 1,232 |
| Noninterest income to average assets | 0.1906% | 6,046 |
| Noninterest expense to average assets | 1.0448% | 6,822 |
| Loan and lease loss provision to assets | 0.0116% | 4,767 |
| Net operating income to assets | 2.1201% | 298 |
| Return on assets (ROA) | 2.1201% | 309 |
| Pretax return on assets | 3.2560% | 108 |
| Return on Equity (ROE) | 10.3789% | 2,043 |
| Retained earnings to average equity (ytd only) | 9.4299% | 929 |
| Net charge-offs to loans | 0.6084% | 1,022 |
| Credit loss provision to net charge-offs | 2.6706% | 4,308 |
| Earnings coverage of net charge-offs (x) | 7.5030% | 2,787 |
| Efficiency ratio | 24.2283% | 6,858 |
| Assets per employee ($millions) | 7.2739% | 658 |
| Cash dividends to net income (ytd only)* | 9.1435% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,758 |
| Loan loss allowance to noncurrent loans | 23.7076% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 4.3325% | 700 |
| Noncurrent loans to loans | 6.0447% | 422 |
| Net loans and leases to total assets | 68.4539% | 2,231 |
| Net loans and leases to deposits | 88.0939% | 1,353 |
| Net loans and leases to core deposits | 88.5139% | 2,128 |
| Total domestic deposits to total assets | 77.7056% | 5,946 |
| Equity capital to assets | 21.4136% | 162 |
| Core capital (leverage) ratio | 21.2396% | 153 |
| Tier 1 risk-based capital ratio | 32.6837% | 413 |
| Total risk-based capital ratio | 33.9328% | 407 |
| Memoranda: | ||
| Average total assets | $206,341,500 | 2,974 |
| Average earning assets | $200,855,250 | 2,842 |
| Average equity | $42,148,500 | 1,674 |
| Average total loans | $147,708,250 | 2,605 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,912 |
| Cost of funding earning assets | 0.3863% | 5,068 |
| Net interest margin | 4.1932% | 1,295 |
| Noninterest income to average assets | 0.1795% | 6,135 |
| Noninterest expense to average assets | 1.0249% | 6,877 |
| Loan and lease loss provision to assets | 0.0116% | 4,642 |
| Net operating income to assets | 2.1522% | 282 |
| Return on assets (ROA) | 2.1522% | 296 |
| Pretax return on assets | 3.2186% | 128 |
| Return on Equity (ROE) | 10.7056% | 1,923 |
| Retained earnings to average equity (ytd only) | 9.2654% | 1,042 |
| Net charge-offs to loans | 0.1575% | 2,840 |
| Credit loss provision to net charge-offs | 10.1695% | 3,898 |
| Earnings coverage of net charge-offs (x) | 28.3644% | 1,188 |
| Efficiency ratio | 24.0871% | 6,907 |
| Assets per employee ($millions) | 7.3486% | 610 |
| Cash dividends to net income (ytd only)* | 13.4529% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 2,701 |
| Loan loss allowance to noncurrent loans | 36.4601% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 3.5600% | 1,062 |
| Noncurrent loans to loans | 4.7214% | 713 |
| Net loans and leases to total assets | 71.5032% | 1,646 |
| Net loans and leases to deposits | 92.1212% | 948 |
| Net loans and leases to core deposits | 92.5559% | 1,649 |
| Total domestic deposits to total assets | 77.6186% | 6,044 |
| Equity capital to assets | 20.6887% | 180 |
| Core capital (leverage) ratio | 20.7064% | 157 |
| Tier 1 risk-based capital ratio | 30.7100% | 490 |
| Total risk-based capital ratio | 31.9682% | 486 |
| Memoranda: | ||
| Average total assets | $207,232,000 | 2,975 |
| Average earning assets | $201,421,000 | 2,848 |
| Average equity | $41,660,330 | 1,701 |
| Average total loans | $149,795,330 | 2,576 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 1,619 |
| Cost of funding earning assets | 0.3986% | 5,115 |
| Net interest margin | 4.2719% | 1,023 |
| Noninterest income to average assets | 0.1866% | 6,138 |
| Noninterest expense to average assets | 1.1059% | 6,935 |
| Loan and lease loss provision to assets | 0.0115% | 4,306 |
| Net operating income to assets | 2.1657% | 261 |
| Return on assets (ROA) | 2.1657% | 286 |
| Pretax return on assets | 3.2120% | 132 |
| Return on Equity (ROE) | 10.9304% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.9304% | 894 |
| Net charge-offs to loans | 0.3150% | 1,706 |
| Credit loss provision to net charge-offs | 5.0847% | 3,194 |
| Earnings coverage of net charge-offs (x) | 14.2034% | 1,471 |
| Efficiency ratio | 25.5442% | 6,977 |
| Assets per employee ($millions) | 7.2813% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 2,843 |
| Loan loss allowance to noncurrent loans | 36.6657% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.6414% | 1,148 |
| Noncurrent loans to loans | 4.7424% | 838 |
| Net loans and leases to total assets | 71.2616% | 1,481 |
| Net loans and leases to deposits | 90.5773% | 910 |
| Net loans and leases to core deposits | 90.8605% | 1,622 |
| Total domestic deposits to total assets | 78.6749% | 6,019 |
| Equity capital to assets | 20.4874% | 201 |
| Core capital (leverage) ratio | 20.1143% | 190 |
| Tier 1 risk-based capital ratio | 30.7591% | 501 |
| Total risk-based capital ratio | 32.0170% | 492 |
| Memoranda: | ||
| Average total assets | $207,968,000 | 2,998 |
| Average earning assets | $201,690,500 | 2,880 |
| Average equity | $41,206,000 | 1,738 |
| Average total loans | $149,842,000 | 2,583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 1,735 |
| Cost of funding earning assets | 0.5562% | 4,759 |
| Net interest margin | 4.3771% | 1,209 |
| Noninterest income to average assets | 0.2829% | 5,446 |
| Noninterest expense to average assets | 1.0889% | 6,995 |
| Loan and lease loss provision to assets | 0.0118% | 5,767 |
| Net operating income to assets | 2.3458% | 193 |
| Return on assets (ROA) | 2.3458% | 209 |
| Pretax return on assets | 3.4337% | 102 |
| Return on Equity (ROE) | 11.3236% | 1,706 |
| Retained earnings to average equity (ytd only) | -0.0976% | 5,867 |
| Net charge-offs to loans | 0.3280% | 3,004 |
| Credit loss provision to net charge-offs | 4.8485% | 5,449 |
| Earnings coverage of net charge-offs (x) | 14.1212% | 1,761 |
| Efficiency ratio | 24.0135% | 7,042 |
| Assets per employee ($millions) | 7.5735% | 604 |
| Cash dividends to net income (ytd only)* | 100.8615% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 2,703 |
| Loan loss allowance to noncurrent loans | 37.6086% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 3.5674% | 1,261 |
| Noncurrent loans to loans | 4.6988% | 884 |
| Net loans and leases to total assets | 70.3314% | 1,775 |
| Net loans and leases to deposits | 87.9361% | 1,288 |
| Net loans and leases to core deposits | 88.1961% | 2,069 |
| Total domestic deposits to total assets | 79.9801% | 5,671 |
| Equity capital to assets | 19.1659% | 253 |
| Core capital (leverage) ratio | 20.3386% | 180 |
| Tier 1 risk-based capital ratio | 29.2039% | 547 |
| Total risk-based capital ratio | 30.4349% | 538 |
| Memoranda: | ||
| Average total assets | $202,870,200 | 3,011 |
| Average earning assets | $197,047,600 | 2,874 |
| Average equity | $42,027,200 | 1,656 |
| Average total loans | $150,898,000 | 2,563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 1,764 |
| Cost of funding earning assets | 0.5873% | 4,771 |
| Net interest margin | 4.3870% | 1,232 |
| Noninterest income to average assets | 0.2752% | 5,578 |
| Noninterest expense to average assets | 1.1061% | 7,098 |
| Loan and lease loss provision to assets | 0.0120% | 5,661 |
| Net operating income to assets | 2.3871% | 215 |
| Return on assets (ROA) | 2.3871% | 229 |
| Pretax return on assets | 3.4321% | 109 |
| Return on Equity (ROE) | 11.2993% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.3553% | 827 |
| Net charge-offs to loans | 0.4380% | 2,347 |
| Credit loss provision to net charge-offs | 3.6364% | 5,139 |
| Earnings coverage of net charge-offs (x) | 10.4667% | 2,186 |
| Efficiency ratio | 24.3097% | 7,139 |
| Assets per employee ($millions) | 7.1376% | 698 |
| Cash dividends to net income (ytd only)* | 8.3542% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 2,906 |
| Loan loss allowance to noncurrent loans | 35.4805% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 3.9244% | 1,235 |
| Noncurrent loans to loans | 4.9803% | 912 |
| Net loans and leases to total assets | 74.4651% | 1,177 |
| Net loans and leases to deposits | 96.7935% | 606 |
| Net loans and leases to core deposits | 97.1093% | 1,328 |
| Total domestic deposits to total assets | 76.9319% | 6,242 |
| Equity capital to assets | 22.0038% | 171 |
| Core capital (leverage) ratio | 22.1472% | 139 |
| Tier 1 risk-based capital ratio | 32.9428% | 409 |
| Total risk-based capital ratio | 34.2021% | 404 |
| Memoranda: | ||
| Average total assets | $200,573,000 | 3,067 |
| Average earning assets | $195,452,750 | 2,919 |
| Average equity | $42,373,250 | 1,658 |
| Average total loans | $150,665,750 | 2,594 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 1,695 |
| Cost of funding earning assets | 0.6089% | 4,821 |
| Net interest margin | 4.4283% | 1,132 |
| Noninterest income to average assets | 0.2261% | 5,950 |
| Noninterest expense to average assets | 1.0995% | 7,171 |
| Loan and lease loss provision to assets | 0.0120% | 5,517 |
| Net operating income to assets | 2.5427% | 163 |
| Return on assets (ROA) | 2.5427% | 187 |
| Pretax return on assets | 3.4241% | 110 |
| Return on Equity (ROE) | 12.2038% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.7698% | 791 |
| Net charge-offs to loans | 0.6583% | 1,677 |
| Credit loss provision to net charge-offs | 2.4242% | 4,799 |
| Earnings coverage of net charge-offs (x) | 6.9697% | 2,549 |
| Efficiency ratio | 24.2424% | 7,198 |
| Assets per employee ($millions) | 7.1858% | 670 |
| Cash dividends to net income (ytd only)* | 11.7509% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 2,962 |
| Loan loss allowance to noncurrent loans | 32.9916% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 4.2534% | 1,177 |
| Noncurrent loans to loans | 5.3549% | 884 |
| Net loans and leases to total assets | 73.8149% | 1,279 |
| Net loans and leases to deposits | 96.7040% | 587 |
| Net loans and leases to core deposits | 97.0198% | 1,348 |
| Total domestic deposits to total assets | 76.3308% | 6,415 |
| Equity capital to assets | 21.3402% | 184 |
| Core capital (leverage) ratio | 21.6678% | 143 |
| Tier 1 risk-based capital ratio | 31.3016% | 465 |
| Total risk-based capital ratio | 32.5600% | 461 |
| Memoranda: | ||
| Average total assets | $200,813,330 | 3,072 |
| Average earning assets | $195,427,000 | 2,927 |
| Average equity | $41,839,330 | 1,672 |
| Average total loans | $150,388,670 | 2,611 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 2,125 |
| Cost of funding earning assets | 0.6452% | 4,773 |
| Net interest margin | 4.2870% | 1,513 |
| Noninterest income to average assets | 0.2273% | 5,995 |
| Noninterest expense to average assets | 1.1365% | 7,223 |
| Loan and lease loss provision to assets | 0.0120% | 5,154 |
| Net operating income to assets | 2.3647% | 219 |
| Return on assets (ROA) | 2.3647% | 270 |
| Pretax return on assets | 3.2519% | 147 |
| Return on Equity (ROE) | 11.4893% | 1,840 |
| Retained earnings to average equity (ytd only) | 11.4893% | 923 |
| Net charge-offs to loans | 1.3121% | 775 |
| Credit loss provision to net charge-offs | 1.2195% | 3,984 |
| Earnings coverage of net charge-offs (x) | 3.3272% | 2,877 |
| Efficiency ratio | 25.8269% | 7,250 |
| Assets per employee ($millions) | 7.0547% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 3,014 |
| Loan loss allowance to noncurrent loans | 31.0124% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 4.7552% | 1,108 |
| Noncurrent loans to loans | 5.7861% | 895 |
| Net loans and leases to total assets | 73.9205% | 1,080 |
| Net loans and leases to deposits | 95.0439% | 598 |
| Net loans and leases to core deposits | 95.3543% | 1,346 |
| Total domestic deposits to total assets | 77.7751% | 6,299 |
| Equity capital to assets | 21.1962% | 171 |
| Core capital (leverage) ratio | 21.1955% | 153 |
| Tier 1 risk-based capital ratio | 30.6311% | 498 |
| Total risk-based capital ratio | 31.8894% | 489 |
| Memoranda: | ||
| Average total assets | $200,619,000 | 3,097 |
| Average earning assets | $195,290,000 | 2,959 |
| Average equity | $41,290,500 | 1,682 |
| Average total loans | $149,989,000 | 2,633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 1,411 |
| Cost of funding earning assets | 0.7957% | 4,902 |
| Net interest margin | 4.6075% | 907 |
| Noninterest income to average assets | 0.2118% | 6,001 |
| Noninterest expense to average assets | 1.1047% | 7,282 |
| Loan and lease loss provision to assets | 0.0123% | 6,384 |
| Net operating income to assets | 2.3170% | 180 |
| Return on assets (ROA) | 2.3170% | 190 |
| Pretax return on assets | 3.5906% | 90 |
| Return on Equity (ROE) | 11.3530% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.1005% | 1,955 |
| Net charge-offs to loans | 0.0217% | 6,142 |
| Credit loss provision to net charge-offs | 72.7273% | 4,744 |
| Earnings coverage of net charge-offs (x) | 213.8788% | 162 |
| Efficiency ratio | 23.4656% | 7,320 |
| Assets per employee ($millions) | 7.2753% | 636 |
| Cash dividends to net income (ytd only)* | 46.2657% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 2,054 |
| Loan loss allowance to noncurrent loans | 36.8028% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 4.3675% | 1,267 |
| Noncurrent loans to loans | 5.6645% | 920 |
| Net loans and leases to total assets | 72.7221% | 1,509 |
| Net loans and leases to deposits | 92.1406% | 958 |
| Net loans and leases to core deposits | 92.4281% | 1,849 |
| Total domestic deposits to total assets | 78.9251% | 6,012 |
| Equity capital to assets | 19.9856% | 234 |
| Core capital (leverage) ratio | 20.5756% | 176 |
| Tier 1 risk-based capital ratio | 29.1189% | 559 |
| Total risk-based capital ratio | 30.3816% | 548 |
| Memoranda: | ||
| Average total assets | $195,898,200 | 3,104 |
| Average earning assets | $191,146,800 | 2,955 |
| Average equity | $39,980,600 | 1,688 |
| Average total loans | $152,234,200 | 2,612 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4730% | 1,324 |
| Cost of funding earning assets | 0.8089% | 5,093 |
| Net interest margin | 4.6641% | 823 |
| Noninterest income to average assets | 0.2117% | 6,101 |
| Noninterest expense to average assets | 1.1316% | 7,356 |
| Loan and lease loss provision to assets | 0.0124% | 6,279 |
| Net operating income to assets | 2.3250% | 202 |
| Return on assets (ROA) | 2.3250% | 221 |
| Pretax return on assets | 3.6263% | 101 |
| Return on Equity (ROE) | 11.3303% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.3253% | 759 |
| Net charge-offs to loans | 0.0289% | 5,746 |
| Credit loss provision to net charge-offs | 54.5455% | 4,937 |
| Earnings coverage of net charge-offs (x) | 160.3900% | 242 |
| Efficiency ratio | 23.7210% | 7,389 |
| Assets per employee ($millions) | 6.9092% | 773 |
| Cash dividends to net income (ytd only)* | 8.8705% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1007% | 2,065 |
| Loan loss allowance to noncurrent loans | 38.0837% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 4.2971% | 1,414 |
| Noncurrent loans to loans | 5.5160% | 1,077 |
| Net loans and leases to total assets | 75.8345% | 1,003 |
| Net loans and leases to deposits | 97.7923% | 587 |
| Net loans and leases to core deposits | 98.1193% | 1,418 |
| Total domestic deposits to total assets | 77.5465% | 6,287 |
| Equity capital to assets | 21.3772% | 187 |
| Core capital (leverage) ratio | 21.3681% | 164 |
| Tier 1 risk-based capital ratio | 28.7344% | 609 |
| Total risk-based capital ratio | 29.9958% | 600 |
| Memoranda: | ||
| Average total assets | $193,946,000 | 3,148 |
| Average earning assets | $189,555,250 | 2,981 |
| Average equity | $39,797,750 | 1,695 |
| Average total loans | $152,469,250 | 2,629 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 1,258 |
| Cost of funding earning assets | 0.8214% | 5,232 |
| Net interest margin | 4.6986% | 731 |
| Noninterest income to average assets | 0.2061% | 6,190 |
| Noninterest expense to average assets | 1.1468% | 7,435 |
| Loan and lease loss provision to assets | 0.0124% | 6,120 |
| Net operating income to assets | 2.3523% | 205 |
| Return on assets (ROA) | 2.3523% | 218 |
| Pretax return on assets | 3.6382% | 109 |
| Return on Equity (ROE) | 11.6247% | 1,596 |
| Retained earnings to average equity (ytd only) | 10.0972% | 825 |
| Net charge-offs to loans | 0.0430% | 5,256 |
| Credit loss provision to net charge-offs | 36.3636% | 4,880 |
| Earnings coverage of net charge-offs (x) | 107.3636% | 338 |
| Efficiency ratio | 23.9046% | 7,460 |
| Assets per employee ($millions) | 6.8892% | 774 |
| Cash dividends to net income (ytd only)* | 13.1406% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 2,108 |
| Loan loss allowance to noncurrent loans | 44.9757% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 3.6465% | 1,795 |
| Noncurrent loans to loans | 4.6836% | 1,406 |
| Net loans and leases to total assets | 75.6970% | 1,121 |
| Net loans and leases to deposits | 96.9575% | 653 |
| Net loans and leases to core deposits | 97.2805% | 1,555 |
| Total domestic deposits to total assets | 78.0723% | 6,274 |
| Equity capital to assets | 20.8545% | 220 |
| Core capital (leverage) ratio | 21.0160% | 185 |
| Tier 1 risk-based capital ratio | 29.7771% | 549 |
| Total risk-based capital ratio | 31.0407% | 530 |
| Memoranda: | ||
| Average total assets | $194,108,670 | 3,168 |
| Average earning assets | $189,675,000 | 3,000 |
| Average equity | $39,278,330 | 1,710 |
| Average total loans | $153,340,330 | 2,640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 1,421 |
| Cost of funding earning assets | 0.8214% | 5,454 |
| Net interest margin | 4.6321% | 813 |
| Noninterest income to average assets | 0.2486% | 5,911 |
| Noninterest expense to average assets | 1.1134% | 7,502 |
| Loan and lease loss provision to assets | 0.0123% | 5,758 |
| Net operating income to assets | 2.3234% | 219 |
| Return on assets (ROA) | 2.3234% | 230 |
| Pretax return on assets | 3.6525% | 117 |
| Return on Equity (ROE) | 11.6587% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.6587% | 789 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.3018% | 7,520 |
| Assets per employee ($millions) | 6.7944% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 2,220 |
| Loan loss allowance to noncurrent loans | 46.8648% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 3.5807% | 1,901 |
| Noncurrent loans to loans | 4.4466% | 1,578 |
| Net loans and leases to total assets | 78.2699% | 698 |
| Net loans and leases to deposits | 100.1062% | 463 |
| Net loans and leases to core deposits | 100.4439% | 1,303 |
| Total domestic deposits to total assets | 78.1868% | 6,355 |
| Equity capital to assets | 20.6909% | 222 |
| Core capital (leverage) ratio | 20.6741% | 194 |
| Tier 1 risk-based capital ratio | 28.1653% | 621 |
| Total risk-based capital ratio | 29.4110% | 609 |
| Memoranda: | ||
| Average total assets | $194,714,000 | 3,178 |
| Average earning assets | $190,412,000 | 3,006 |
| Average equity | $38,803,500 | 1,717 |
| Average total loans | $155,430,500 | 2,625 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 1,803 |
| Cost of funding earning assets | 1.0482% | 5,438 |
| Net interest margin | 4.5794% | 1,051 |
| Noninterest income to average assets | 0.2597% | 5,941 |
| Noninterest expense to average assets | 1.1517% | 7,557 |
| Loan and lease loss provision to assets | 0.7088% | 2,315 |
| Net operating income to assets | 1.5931% | 626 |
| Return on assets (ROA) | 1.5931% | 681 |
| Pretax return on assets | 2.8454% | 133 |
| Return on Equity (ROE) | 8.3266% | 2,565 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,446 |
| Net charge-offs to loans | 0.1430% | 5,499 |
| Credit loss provision to net charge-offs | 627.7273% | 340 |
| Earnings coverage of net charge-offs (x) | 31.4773% | 702 |
| Efficiency ratio | 24.4738% | 7,609 |
| Assets per employee ($millions) | 6.8684% | 788 |
| Cash dividends to net income (ytd only)* | 19.3299% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 2,325 |
| Loan loss allowance to noncurrent loans | 45.2245% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.5364% | 1,953 |
| Noncurrent loans to loans | 4.4046% | 1,624 |
| Net loans and leases to total assets | 78.1314% | 928 |
| Net loans and leases to deposits | 98.0346% | 713 |
| Net loans and leases to core deposits | 98.3443% | 1,762 |
| Total domestic deposits to total assets | 79.6978% | 5,913 |
| Equity capital to assets | 19.2002% | 308 |
| Core capital (leverage) ratio | 19.2927% | 275 |
| Tier 1 risk-based capital ratio | 26.6022% | 694 |
| Total risk-based capital ratio | 27.8642% | 684 |
| Memoranda: | ||
| Average total assets | $194,841,200 | 3,165 |
| Average earning assets | $189,174,200 | 3,020 |
| Average equity | $37,278,000 | 1,774 |
| Average total loans | $153,861,200 | 2,706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7225% | 1,633 |
| Cost of funding earning assets | 1.0855% | 5,519 |
| Net interest margin | 4.6370% | 964 |
| Noninterest income to average assets | 0.2291% | 6,260 |
| Noninterest expense to average assets | 1.1485% | 7,672 |
| Loan and lease loss provision to assets | 0.8526% | 1,781 |
| Net operating income to assets | 1.4231% | 1,067 |
| Return on assets (ROA) | 1.4231% | 1,136 |
| Pretax return on assets | 2.7257% | 168 |
| Return on Equity (ROE) | 7.4447% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.3647% | 2,165 |
| Net charge-offs to loans | 0.1223% | 5,323 |
| Credit loss provision to net charge-offs | 885.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 37.1433% | 731 |
| Efficiency ratio | 24.2976% | 7,711 |
| Assets per employee ($millions) | 6.6253% | 916 |
| Cash dividends to net income (ytd only)* | 14.5068% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 2,243 |
| Loan loss allowance to noncurrent loans | 62.3066% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.6164% | 2,764 |
| Noncurrent loans to loans | 3.1983% | 2,490 |
| Net loans and leases to total assets | 79.3794% | 843 |
| Net loans and leases to deposits | 100.0774% | 656 |
| Net loans and leases to core deposits | 100.5963% | 1,791 |
| Total domestic deposits to total assets | 79.3180% | 5,928 |
| Equity capital to assets | 19.5219% | 317 |
| Core capital (leverage) ratio | 19.4820% | 269 |
| Tier 1 risk-based capital ratio | 26.5443% | 737 |
| Total risk-based capital ratio | 27.8062% | 711 |
| Memoranda: | ||
| Average total assets | $193,755,250 | 3,227 |
| Average earning assets | $187,931,000 | 3,074 |
| Average equity | $37,036,500 | 1,802 |
| Average total loans | $152,629,250 | 2,767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 1,729 |
| Cost of funding earning assets | 1.1081% | 5,626 |
| Net interest margin | 4.6002% | 992 |
| Noninterest income to average assets | 0.2151% | 6,384 |
| Noninterest expense to average assets | 1.1580% | 7,744 |
| Loan and lease loss provision to assets | 0.0124% | 6,786 |
| Net operating income to assets | 2.2553% | 207 |
| Return on assets (ROA) | 2.2553% | 227 |
| Pretax return on assets | 3.5019% | 90 |
| Return on Equity (ROE) | 11.8820% | 1,481 |
| Retained earnings to average equity (ytd only) | 10.2551% | 790 |
| Net charge-offs to loans | 0.0567% | 5,598 |
| Credit loss provision to net charge-offs | 27.9070% | 5,765 |
| Earnings coverage of net charge-offs (x) | 79.3953% | 401 |
| Efficiency ratio | 24.7852% | 7,776 |
| Assets per employee ($millions) | 6.6950% | 880 |
| Cash dividends to net income (ytd only)* | 13.6924% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 5,093 |
| Loan loss allowance to noncurrent loans | 59.9270% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.7326% | 3,851 |
| Noncurrent loans to loans | 2.1162% | 3,573 |
| Net loans and leases to total assets | 79.0331% | 948 |
| Net loans and leases to deposits | 99.7031% | 748 |
| Net loans and leases to core deposits | 100.2142% | 1,992 |
| Total domestic deposits to total assets | 79.2685% | 5,948 |
| Equity capital to assets | 19.3826% | 319 |
| Core capital (leverage) ratio | 19.4965% | 270 |
| Tier 1 risk-based capital ratio | 25.2505% | 826 |
| Total risk-based capital ratio | 26.5014% | 807 |
| Memoranda: | ||
| Average total assets | $194,296,000 | 3,245 |
| Average earning assets | $188,251,000 | 3,091 |
| Average equity | $36,879,330 | 1,804 |
| Average total loans | $151,634,000 | 2,806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6550% | 1,938 |
| Cost of funding earning assets | 1.1374% | 5,720 |
| Net interest margin | 4.5176% | 1,100 |
| Noninterest income to average assets | 0.1790% | 6,677 |
| Noninterest expense to average assets | 1.0660% | 7,865 |
| Loan and lease loss provision to assets | 0.0123% | 6,492 |
| Net operating income to assets | 2.2452% | 233 |
| Return on assets (ROA) | 2.2452% | 259 |
| Pretax return on assets | 3.4738% | 102 |
| Return on Equity (ROE) | 11.9552% | 1,513 |
| Retained earnings to average equity (ytd only) | 11.9552% | 753 |
| Net charge-offs to loans | 0.0614% | 4,803 |
| Credit loss provision to net charge-offs | 26.0870% | 4,870 |
| Earnings coverage of net charge-offs (x) | 73.6522% | 423 |
| Efficiency ratio | 23.4177% | 7,890 |
| Assets per employee ($millions) | 6.7368% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,008 |
| Loan loss allowance to noncurrent loans | 54.7284% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 3,581 |
| Noncurrent loans to loans | 2.3498% | 3,331 |
| Net loans and leases to total assets | 77.9917% | 1,155 |
| Net loans and leases to deposits | 101.1914% | 684 |
| Net loans and leases to core deposits | 102.0419% | 1,901 |
| Total domestic deposits to total assets | 77.0734% | 6,544 |
| Equity capital to assets | 19.0744% | 339 |
| Core capital (leverage) ratio | 19.2327% | 296 |
| Tier 1 risk-based capital ratio | 25.4958% | 812 |
| Total risk-based capital ratio | 26.7473% | 793 |
| Memoranda: | ||
| Average total assets | $194,367,000 | 3,295 |
| Average earning assets | $188,152,000 | 3,143 |
| Average equity | $36,503,000 | 1,842 |
| Average total loans | $149,742,500 | 2,905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 2,340 |
| Cost of funding earning assets | 1.4397% | 5,765 |
| Net interest margin | 4.4372% | 1,327 |
| Noninterest income to average assets | 0.2317% | 6,456 |
| Noninterest expense to average assets | 1.2079% | 7,906 |
| Loan and lease loss provision to assets | 0.0531% | 7,034 |
| Net operating income to assets | 1.9956% | 232 |
| Return on assets (ROA) | 1.9956% | 243 |
| Pretax return on assets | 3.2890% | 76 |
| Return on Equity (ROE) | 10.7638% | 1,485 |
| Retained earnings to average equity (ytd only) | 9.0117% | 500 |
| Net charge-offs to loans | 0.0569% | 6,529 |
| Credit loss provision to net charge-offs | 124.0506% | 4,241 |
| Earnings coverage of net charge-offs (x) | 78.1392% | 348 |
| Efficiency ratio | 26.5469% | 7,953 |
| Assets per employee ($millions) | 6.6678% | 916 |
| Cash dividends to net income (ytd only)* | 16.2778% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,342 |
| Loan loss allowance to noncurrent loans | 49.3468% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 2.1757% | 3,161 |
| Noncurrent loans to loans | 2.7954% | 2,761 |
| Net loans and leases to total assets | 74.0188% | 2,270 |
| Net loans and leases to deposits | 92.2383% | 1,862 |
| Net loans and leases to core deposits | 97.4236% | 4,294 |
| Total domestic deposits to total assets | 80.2474% | 5,602 |
| Equity capital to assets | 18.4835% | 411 |
| Core capital (leverage) ratio | 19.0272% | 336 |
| Tier 1 risk-based capital ratio | 25.9643% | 766 |
| Total risk-based capital ratio | 27.2169% | 749 |
| Memoranda: | ||
| Average total assets | $184,705,400 | 3,356 |
| Average earning assets | $179,754,800 | 3,217 |
| Average equity | $34,244,400 | 1,964 |
| Average total loans | $138,733,800 | 3,110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9436% | 2,259 |
| Cost of funding earning assets | 1.5065% | 5,790 |
| Net interest margin | 4.4371% | 1,348 |
| Noninterest income to average assets | 0.2432% | 6,493 |
| Noninterest expense to average assets | 1.2125% | 7,991 |
| Loan and lease loss provision to assets | 0.0672% | 6,695 |
| Net operating income to assets | 1.9977% | 296 |
| Return on assets (ROA) | 1.9977% | 319 |
| Pretax return on assets | 3.2876% | 85 |
| Return on Equity (ROE) | 10.7663% | 1,686 |
| Retained earnings to average equity (ytd only) | 9.5854% | 710 |
| Net charge-offs to loans | 0.0768% | 5,912 |
| Credit loss provision to net charge-offs | 116.4557% | 4,363 |
| Earnings coverage of net charge-offs (x) | 58.1397% | 564 |
| Efficiency ratio | 26.5473% | 8,031 |
| Assets per employee ($millions) | 6.3552% | 1,054 |
| Cash dividends to net income (ytd only)* | 10.9689% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 3,886 |
| Loan loss allowance to noncurrent loans | 66.7335% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.7043% | 3,823 |
| Noncurrent loans to loans | 2.1126% | 3,491 |
| Net loans and leases to total assets | 75.7368% | 2,050 |
| Net loans and leases to deposits | 95.0113% | 1,713 |
| Net loans and leases to core deposits | 100.8562% | 4,278 |
| Total domestic deposits to total assets | 79.7135% | 5,554 |
| Equity capital to assets | 19.0407% | 415 |
| Core capital (leverage) ratio | 19.1732% | 365 |
| Tier 1 risk-based capital ratio | 27.1035% | 737 |
| Total risk-based capital ratio | 28.3573% | 720 |
| Memoranda: | ||
| Average total assets | $182,540,000 | 3,425 |
| Average earning assets | $177,889,750 | 3,266 |
| Average equity | $33,870,250 | 2,003 |
| Average total loans | $137,134,750 | 3,172 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 2,425 |
| Cost of funding earning assets | 1.5669% | 5,854 |
| Net interest margin | 4.3709% | 1,468 |
| Noninterest income to average assets | 0.2220% | 6,708 |
| Noninterest expense to average assets | 1.1871% | 8,092 |
| Loan and lease loss provision to assets | 0.0791% | 6,398 |
| Net operating income to assets | 1.9510% | 334 |
| Return on assets (ROA) | 1.9510% | 366 |
| Pretax return on assets | 3.2118% | 89 |
| Return on Equity (ROE) | 10.6087% | 1,817 |
| Retained earnings to average equity (ytd only) | 8.8157% | 982 |
| Net charge-offs to loans | 0.0958% | 5,215 |
| Credit loss provision to net charge-offs | 110.7692% | 4,180 |
| Earnings coverage of net charge-offs (x) | 46.0615% | 730 |
| Efficiency ratio | 26.5096% | 8,122 |
| Assets per employee ($millions) | 6.3183% | 1,047 |
| Cash dividends to net income (ytd only)* | 16.9014% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 3,540 |
| Loan loss allowance to noncurrent loans | 52.1762% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.1634% | 2,982 |
| Noncurrent loans to loans | 2.7522% | 2,616 |
| Net loans and leases to total assets | 74.5448% | 2,559 |
| Net loans and leases to deposits | 93.0012% | 2,269 |
| Net loans and leases to core deposits | 99.0558% | 4,593 |
| Total domestic deposits to total assets | 80.1547% | 5,415 |
| Equity capital to assets | 18.6359% | 490 |
| Core capital (leverage) ratio | 18.7748% | 436 |
| Tier 1 risk-based capital ratio | 25.6728% | 884 |
| Total risk-based capital ratio | 26.9269% | 862 |
| Memoranda: | ||
| Average total assets | $181,953,330 | 3,455 |
| Average earning assets | $177,170,000 | 3,296 |
| Average equity | $33,463,000 | 2,032 |
| Average total loans | $135,653,330 | 3,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 2,494 |
| Cost of funding earning assets | 1.6801% | 5,692 |
| Net interest margin | 4.2875% | 1,636 |
| Noninterest income to average assets | 0.2052% | 6,821 |
| Noninterest expense to average assets | 1.0678% | 8,157 |
| Loan and lease loss provision to assets | 0.1456% | 5,083 |
| Net operating income to assets | 1.9392% | 390 |
| Return on assets (ROA) | 1.9392% | 444 |
| Pretax return on assets | 3.1636% | 107 |
| Return on Equity (ROE) | 10.6156% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.6156% | 1,052 |
| Net charge-offs to loans | 0.1908% | 3,492 |
| Credit loss provision to net charge-offs | 103.1250% | 3,640 |
| Earnings coverage of net charge-offs (x) | 23.4375% | 1,279 |
| Efficiency ratio | 24.3952% | 8,172 |
| Assets per employee ($millions) | 6.2212% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 3,131 |
| Loan loss allowance to noncurrent loans | 56.3920% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.9510% | 2,981 |
| Noncurrent loans to loans | 2.6087% | 2,527 |
| Net loans and leases to total assets | 73.6908% | 2,834 |
| Net loans and leases to deposits | 91.9357% | 2,614 |
| Net loans and leases to core deposits | 98.1022% | 4,732 |
| Total domestic deposits to total assets | 80.1548% | 5,306 |
| Equity capital to assets | 18.5987% | 533 |
| Core capital (leverage) ratio | 18.4373% | 505 |
| Tier 1 risk-based capital ratio | 25.8428% | 903 |
| Total risk-based capital ratio | 27.0961% | 885 |
| Memoranda: | ||
| Average total assets | $181,314,000 | 3,486 |
| Average earning assets | $176,420,000 | 3,332 |
| Average equity | $33,121,000 | 2,044 |
| Average total loans | $134,190,000 | 3,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 3,932 |
| Cost of funding earning assets | 2.2034% | 5,585 |
| Net interest margin | 4.1026% | 2,700 |
| Noninterest income to average assets | 0.2510% | 6,656 |
| Noninterest expense to average assets | 1.1437% | 8,179 |
| Loan and lease loss provision to assets | 0.0295% | 7,034 |
| Net operating income to assets | 1.9152% | 419 |
| Return on assets (ROA) | 1.9152% | 407 |
| Pretax return on assets | 3.0502% | 94 |
| Return on Equity (ROE) | 10.0598% | 2,241 |
| Retained earnings to average equity (ytd only) | -4.5570% | 6,426 |
| Net charge-offs to loans | 0.1113% | 5,159 |
| Credit loss provision to net charge-offs | 36.9863% | 6,473 |
| Earnings coverage of net charge-offs (x) | 38.6575% | 967 |
| Efficiency ratio | 27.0801% | 8,242 |
| Assets per employee ($millions) | 6.2832% | 996 |
| Cash dividends to net income (ytd only)* | 145.2991% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,766 |
| Loan loss allowance to noncurrent loans | 63.2133% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 2,758 |
| Noncurrent loans to loans | 2.3508% | 2,337 |
| Net loans and leases to total assets | 72.1478% | 3,550 |
| Net loans and leases to deposits | 89.3157% | 3,575 |
| Net loans and leases to core deposits | 94.9397% | 5,356 |
| Total domestic deposits to total assets | 80.7784% | 4,739 |
| Equity capital to assets | 17.9390% | 654 |
| Core capital (leverage) ratio | 18.0642% | 599 |
| Tier 1 risk-based capital ratio | 25.3547% | 959 |
| Total risk-based capital ratio | 26.6096% | 935 |
| Memoranda: | ||
| Average total assets | $183,266,400 | 3,368 |
| Average earning assets | $177,449,200 | 3,216 |
| Average equity | $34,891,400 | 1,939 |
| Average total loans | $131,131,200 | 3,249 |