Home > The First National Bank of Bellevue > Performance and Condition Ratios
The First National Bank of Bellevue, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 2,447 |
| Cost of funding earning assets | 1.6461% | 1,584 |
| Net interest margin | 3.1685% | 2,946 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.6758% | 1,805 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 0.6402% | 3,338 |
| Return on assets (ROA) | 0.5701% | 3,503 |
| Pretax return on assets | 0.6623% | 3,516 |
| Return on Equity (ROE) | 7.7400% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.7424% | 1,612 |
| Net charge-offs to loans | 0.0046% | 2,556 |
| Credit loss provision to net charge-offs | -3,450.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | 236.3750% | 521 |
| Efficiency ratio | 80.9048% | 855 |
| Assets per employee ($millions) | 5.2469% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,256 |
| Loan loss allowance to noncurrent loans | 664.3917% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,785 |
| Noncurrent loans to loans | 0.1817% | 2,604 |
| Net loans and leases to total assets | 61.2500% | 2,733 |
| Net loans and leases to deposits | 71.5973% | 2,778 |
| Net loans and leases to core deposits | 81.0102% | 2,652 |
| Total domestic deposits to total assets | 85.5500% | 2,147 |
| Equity capital to assets | 7.9894% | 3,427 |
| Core capital (leverage) ratio | 11.7659% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $299,430,000 | 2,429 |
| Average earning assets | $271,487,000 | 2,458 |
| Average equity | $22,047,400 | 2,691 |
| Average total loans | $174,489,000 | 2,494 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 2,419 |
| Cost of funding earning assets | 1.5924% | 1,386 |
| Net interest margin | 3.1341% | 3,072 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.6989% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4794% | 3,803 |
| Return on assets (ROA) | 0.4794% | 3,810 |
| Pretax return on assets | 0.5400% | 3,841 |
| Return on Equity (ROE) | 6.6500% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.6524% | 2,417 |
| Net charge-offs to loans | 0.0062% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 151.6250% | 723 |
| Efficiency ratio | 83.3288% | 653 |
| Assets per employee ($millions) | 5.3014% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,264 |
| Loan loss allowance to noncurrent loans | 769.1131% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 2,854 |
| Noncurrent loans to loans | 0.1882% | 2,606 |
| Net loans and leases to total assets | 56.6500% | 3,142 |
| Net loans and leases to deposits | 63.9860% | 3,269 |
| Net loans and leases to core deposits | 72.5719% | 3,073 |
| Total domestic deposits to total assets | 88.5400% | 1,396 |
| Equity capital to assets | 6.6940% | 3,757 |
| Core capital (leverage) ratio | 11.2875% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $299,519,750 | 2,432 |
| Average earning assets | $270,866,750 | 2,466 |
| Average equity | $21,585,750 | 2,717 |
| Average total loans | $171,756,250 | 2,516 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 2,450 |
| Cost of funding earning assets | 1.4797% | 1,283 |
| Net interest margin | 3.1019% | 3,223 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.7050% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4755% | 3,860 |
| Return on assets (ROA) | 0.4755% | 3,865 |
| Pretax return on assets | 0.5324% | 3,909 |
| Return on Equity (ROE) | 6.4400% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.4433% | 2,464 |
| Net charge-offs to loans | -0.0012% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.5540% | 620 |
| Assets per employee ($millions) | 5.2217% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,351 |
| Loan loss allowance to noncurrent loans | 888.7324% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 2,868 |
| Noncurrent loans to loans | 0.1632% | 2,659 |
| Net loans and leases to total assets | 57.6200% | 2,993 |
| Net loans and leases to deposits | 65.7787% | 3,071 |
| Net loans and leases to core deposits | 75.6533% | 2,776 |
| Total domestic deposits to total assets | 87.5900% | 1,751 |
| Equity capital to assets | 7.4403% | 3,560 |
| Core capital (leverage) ratio | 11.3082% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $298,632,667 | 2,444 |
| Average earning assets | $272,217,333 | 2,465 |
| Average equity | $22,038,333 | 2,692 |
| Average total loans | $171,106,000 | 2,516 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 2,565 |
| Cost of funding earning assets | 1.3471% | 1,140 |
| Net interest margin | 3.0463% | 3,475 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.7426% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3878% | 4,105 |
| Return on assets (ROA) | 0.3878% | 4,056 |
| Pretax return on assets | 0.4145% | 4,113 |
| Return on Equity (ROE) | 5.2800% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.2763% | 2,955 |
| Net charge-offs to loans | -0.0024% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.8700% | 474 |
| Assets per employee ($millions) | 5.0283% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,273 |
| Loan loss allowance to noncurrent loans | 1,237.2549% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,124 |
| Noncurrent loans to loans | 0.1209% | 2,909 |
| Net loans and leases to total assets | 55.0900% | 3,112 |
| Net loans and leases to deposits | 60.1956% | 3,320 |
| Net loans and leases to core deposits | 68.1894% | 3,081 |
| Total domestic deposits to total assets | 91.5200% | 645 |
| Equity capital to assets | 7.3759% | 3,631 |
| Core capital (leverage) ratio | 11.2768% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $299,130,500 | 2,477 |
| Average earning assets | $273,776,000 | 2,484 |
| Average equity | $21,985,000 | 2,718 |
| Average total loans | $169,651,500 | 2,549 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 1,881 |
| Cost of funding earning assets | 0.2867% | 2,989 |
| Net interest margin | 3.6559% | 1,484 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.6851% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9756% | 2,650 |
| Return on assets (ROA) | 0.9756% | 2,599 |
| Pretax return on assets | 1.1826% | 2,499 |
| Return on Equity (ROE) | 12.6300% | 1,929 |
| Retained earnings to average equity (ytd only) | 12.6279% | 566 |
| Net charge-offs to loans | 0.0023% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 900.0000% | 197 |
| Efficiency ratio | 69.4242% | 1,765 |
| Assets per employee ($millions) | 5.1129% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,097 |
| Loan loss allowance to noncurrent loans | 1,214.8148% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,059 |
| Noncurrent loans to loans | 0.1266% | 2,880 |
| Net loans and leases to total assets | 56.6300% | 2,956 |
| Net loans and leases to deposits | 64.2541% | 3,021 |
| Net loans and leases to core deposits | 71.6753% | 2,749 |
| Total domestic deposits to total assets | 88.1400% | 2,022 |
| Equity capital to assets | 7.3206% | 3,479 |
| Core capital (leverage) ratio | 11.2510% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $304,419,000 | 2,427 |
| Average earning assets | $280,424,600 | 2,442 |
| Average equity | $23,519,400 | 2,672 |
| Average total loans | $170,812,200 | 2,448 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 1,658 |
| Cost of funding earning assets | 0.1952% | 3,333 |
| Net interest margin | 3.6363% | 1,306 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.6384% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9700% | 2,594 |
| Return on assets (ROA) | 0.9700% | 2,562 |
| Pretax return on assets | 1.1736% | 2,475 |
| Return on Equity (ROE) | 12.4000% | 1,911 |
| Retained earnings to average equity (ytd only) | 12.3975% | 713 |
| Net charge-offs to loans | 0.0031% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 674.2500% | 243 |
| Efficiency ratio | 69.2123% | 1,863 |
| Assets per employee ($millions) | 5.1861% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 1,188 |
| Loan loss allowance to noncurrent loans | 1,126.1803% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,135 |
| Noncurrent loans to loans | 0.1368% | 2,951 |
| Net loans and leases to total assets | 54.8100% | 3,024 |
| Net loans and leases to deposits | 59.0510% | 3,278 |
| Net loans and leases to core deposits | 63.8681% | 3,130 |
| Total domestic deposits to total assets | 92.8100% | 631 |
| Equity capital to assets | 6.4906% | 3,741 |
| Core capital (leverage) ratio | 10.6064% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $306,387,000 | 2,434 |
| Average earning assets | $282,808,250 | 2,445 |
| Average equity | $23,972,000 | 2,689 |
| Average total loans | $170,872,750 | 2,449 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 1,360 |
| Cost of funding earning assets | 0.1425% | 3,673 |
| Net interest margin | 3.6341% | 1,014 |
| Noninterest income to average assets | 0.4378% | 2,522 |
| Noninterest expense to average assets | 2.6354% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9591% | 2,318 |
| Return on assets (ROA) | 0.9591% | 2,295 |
| Pretax return on assets | 1.1634% | 2,194 |
| Return on Equity (ROE) | 11.6010% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.6010% | 678 |
| Net charge-offs to loans | 0.0012% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,783.0000% | 59 |
| Efficiency ratio | 69.3748% | 2,054 |
| Assets per employee ($millions) | 5.2884% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,316 |
| Loan loss allowance to noncurrent loans | 1,055.0201% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,155 |
| Noncurrent loans to loans | 0.1455% | 2,970 |
| Net loans and leases to total assets | 55.9071% | 2,770 |
| Net loans and leases to deposits | 63.7802% | 2,742 |
| Net loans and leases to core deposits | 68.5866% | 2,596 |
| Total domestic deposits to total assets | 87.6560% | 2,709 |
| Equity capital to assets | 6.8733% | 3,835 |
| Core capital (leverage) ratio | 10.2370% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,523,000 | 2,455 |
| Average earning assets | $283,482,333 | 2,468 |
| Average equity | $25,342,667 | 2,658 |
| Average total loans | $171,057,000 | 2,451 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 1,426 |
| Cost of funding earning assets | 0.1170% | 3,929 |
| Net interest margin | 3.5132% | 1,069 |
| Noninterest income to average assets | 0.4271% | 2,513 |
| Noninterest expense to average assets | 2.5548% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9331% | 2,142 |
| Return on assets (ROA) | 0.9331% | 2,135 |
| Pretax return on assets | 1.1376% | 2,027 |
| Return on Equity (ROE) | 10.4287% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.4287% | 919 |
| Net charge-offs to loans | 0.0023% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 879.0000% | 104 |
| Efficiency ratio | 69.1903% | 2,348 |
| Assets per employee ($millions) | 6.0253% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,458 |
| Loan loss allowance to noncurrent loans | 727.7008% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 3,004 |
| Noncurrent loans to loans | 0.2103% | 2,769 |
| Net loans and leases to total assets | 53.9565% | 2,764 |
| Net loans and leases to deposits | 59.0674% | 2,982 |
| Net loans and leases to core deposits | 63.8389% | 2,809 |
| Total domestic deposits to total assets | 91.3474% | 868 |
| Equity capital to assets | 8.1943% | 3,413 |
| Core capital (leverage) ratio | 9.9740% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,064,000 | 2,456 |
| Average earning assets | $287,259,500 | 2,461 |
| Average equity | $27,654,500 | 2,627 |
| Average total loans | $171,008,500 | 2,449 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 1,605 |
| Cost of funding earning assets | 0.2024% | 3,435 |
| Net interest margin | 3.7004% | 1,211 |
| Noninterest income to average assets | 0.5347% | 2,418 |
| Noninterest expense to average assets | 2.5279% | 2,100 |
| Loan and lease loss provision to assets | 0.0148% | 2,788 |
| Net operating income to assets | 1.1653% | 2,041 |
| Return on assets (ROA) | 1.1650% | 2,106 |
| Pretax return on assets | 1.4411% | 1,909 |
| Return on Equity (ROE) | 12.4256% | 1,681 |
| Retained earnings to average equity (ytd only) | 12.4256% | 481 |
| Net charge-offs to loans | 0.1559% | 619 |
| Credit loss provision to net charge-offs | 15.5709% | 2,283 |
| Earnings coverage of net charge-offs (x) | 15.3322% | 2,003 |
| Efficiency ratio | 63.4496% | 2,649 |
| Assets per employee ($millions) | 5.9767% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,414 |
| Loan loss allowance to noncurrent loans | 682.5974% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 3,052 |
| Noncurrent loans to loans | 0.2260% | 2,827 |
| Net loans and leases to total assets | 55.0202% | 2,730 |
| Net loans and leases to deposits | 61.3193% | 2,953 |
| Net loans and leases to core deposits | 66.2944% | 2,791 |
| Total domestic deposits to total assets | 89.7274% | 1,093 |
| Equity capital to assets | 9.7225% | 2,920 |
| Core capital (leverage) ratio | 9.4981% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,282,800 | 2,416 |
| Average earning assets | $283,644,000 | 2,410 |
| Average equity | $28,529,800 | 2,616 |
| Average total loans | $185,383,200 | 2,341 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 1,790 |
| Cost of funding earning assets | 0.2200% | 3,424 |
| Net interest margin | 3.6703% | 1,406 |
| Noninterest income to average assets | 0.5243% | 2,521 |
| Noninterest expense to average assets | 2.4838% | 2,172 |
| Loan and lease loss provision to assets | 0.0197% | 2,608 |
| Net operating income to assets | 1.1660% | 2,298 |
| Return on assets (ROA) | 1.1656% | 2,362 |
| Pretax return on assets | 1.4431% | 2,170 |
| Return on Equity (ROE) | 12.5480% | 1,851 |
| Retained earnings to average equity (ytd only) | 12.5480% | 715 |
| Net charge-offs to loans | 0.2037% | 410 |
| Credit loss provision to net charge-offs | 15.5709% | 2,007 |
| Earnings coverage of net charge-offs (x) | 11.5502% | 1,992 |
| Efficiency ratio | 62.9276% | 2,541 |
| Assets per employee ($millions) | 6.2370% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,737 |
| Loan loss allowance to noncurrent loans | 297.1751% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 2,389 |
| Noncurrent loans to loans | 0.4952% | 2,071 |
| Net loans and leases to total assets | 55.3574% | 2,810 |
| Net loans and leases to deposits | 61.4864% | 3,095 |
| Net loans and leases to core deposits | 66.1798% | 2,936 |
| Total domestic deposits to total assets | 90.0319% | 762 |
| Equity capital to assets | 9.2843% | 3,573 |
| Core capital (leverage) ratio | 9.0912% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,151,000 | 2,445 |
| Average earning assets | $283,642,000 | 2,435 |
| Average equity | $28,253,500 | 2,662 |
| Average total loans | $189,145,250 | 2,344 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 1,938 |
| Cost of funding earning assets | 0.2388% | 3,388 |
| Net interest margin | 3.6148% | 1,557 |
| Noninterest income to average assets | 0.5108% | 2,580 |
| Noninterest expense to average assets | 2.4814% | 2,207 |
| Loan and lease loss provision to assets | 0.0300% | 2,374 |
| Net operating income to assets | 1.1017% | 2,540 |
| Return on assets (ROA) | 1.1011% | 2,607 |
| Pretax return on assets | 1.3642% | 2,427 |
| Return on Equity (ROE) | 11.8517% | 2,122 |
| Retained earnings to average equity (ytd only) | 11.8517% | 952 |
| Net charge-offs to loans | 0.2772% | 318 |
| Credit loss provision to net charge-offs | 16.8539% | 1,746 |
| Earnings coverage of net charge-offs (x) | 7.8240% | 1,911 |
| Efficiency ratio | 64.0138% | 2,426 |
| Assets per employee ($millions) | 5.8472% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 2,071 |
| Loan loss allowance to noncurrent loans | 293.0387% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 2,436 |
| Noncurrent loans to loans | 0.4698% | 2,270 |
| Net loans and leases to total assets | 62.4854% | 2,120 |
| Net loans and leases to deposits | 69.4540% | 2,468 |
| Net loans and leases to core deposits | 82.9596% | 1,643 |
| Total domestic deposits to total assets | 89.9666% | 796 |
| Equity capital to assets | 9.2970% | 3,509 |
| Core capital (leverage) ratio | 9.1130% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,506,000 | 2,458 |
| Average earning assets | $278,854,000 | 2,452 |
| Average equity | $27,827,333 | 2,686 |
| Average total loans | $192,622,333 | 2,328 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 1,490 |
| Cost of funding earning assets | 0.2602% | 3,377 |
| Net interest margin | 3.7984% | 1,146 |
| Noninterest income to average assets | 0.4952% | 2,635 |
| Noninterest expense to average assets | 2.4641% | 2,284 |
| Loan and lease loss provision to assets | 0.0310% | 2,370 |
| Net operating income to assets | 1.2378% | 2,014 |
| Return on assets (ROA) | 1.2367% | 2,105 |
| Pretax return on assets | 1.5355% | 1,897 |
| Return on Equity (ROE) | 13.3155% | 1,592 |
| Retained earnings to average equity (ytd only) | 13.3155% | 857 |
| Net charge-offs to loans | 0.5150% | 159 |
| Credit loss provision to net charge-offs | 9.2742% | 1,449 |
| Earnings coverage of net charge-offs (x) | 4.6976% | 1,716 |
| Efficiency ratio | 61.1148% | 2,892 |
| Assets per employee ($millions) | 5.9346% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,094 |
| Loan loss allowance to noncurrent loans | 276.0167% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 2,584 |
| Noncurrent loans to loans | 0.4970% | 2,362 |
| Net loans and leases to total assets | 61.6725% | 2,320 |
| Net loans and leases to deposits | 68.4205% | 2,656 |
| Net loans and leases to core deposits | 86.6818% | 1,477 |
| Total domestic deposits to total assets | 90.1374% | 755 |
| Equity capital to assets | 8.9834% | 3,702 |
| Core capital (leverage) ratio | 9.3515% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,231,500 | 2,453 |
| Average earning assets | $276,749,000 | 2,453 |
| Average equity | $27,607,000 | 2,696 |
| Average total loans | $192,612,500 | 2,335 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 1,371 |
| Cost of funding earning assets | 0.5988% | 2,321 |
| Net interest margin | 3.8779% | 1,282 |
| Noninterest income to average assets | 0.7087% | 1,839 |
| Noninterest expense to average assets | 2.6427% | 2,409 |
| Loan and lease loss provision to assets | 0.2935% | 1,289 |
| Net operating income to assets | 1.1157% | 1,859 |
| Return on assets (ROA) | 1.1858% | 1,708 |
| Pretax return on assets | 1.4379% | 1,547 |
| Return on Equity (ROE) | 11.9766% | 1,326 |
| Retained earnings to average equity (ytd only) | 11.9766% | 314 |
| Net charge-offs to loans | -0.0005% | 3,904 |
| Credit loss provision to net charge-offs | -77,200.0000% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6223% | 3,205 |
| Assets per employee ($millions) | 5.4973% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,603 |
| Loan loss allowance to noncurrent loans | 102.8643% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 988 |
| Noncurrent loans to loans | 1.4528% | 928 |
| Net loans and leases to total assets | 66.2498% | 2,065 |
| Net loans and leases to deposits | 73.9488% | 2,489 |
| Net loans and leases to core deposits | 88.3263% | 1,659 |
| Total domestic deposits to total assets | 89.5887% | 734 |
| Equity capital to assets | 9.6169% | 3,490 |
| Core capital (leverage) ratio | 9.3143% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,025,400 | 2,500 |
| Average earning assets | $242,812,800 | 2,508 |
| Average equity | $26,042,400 | 2,737 |
| Average total loans | $193,013,600 | 2,305 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,321 |
| Cost of funding earning assets | 0.6830% | 2,131 |
| Net interest margin | 3.9125% | 1,323 |
| Noninterest income to average assets | 0.6948% | 1,816 |
| Noninterest expense to average assets | 2.6431% | 2,407 |
| Loan and lease loss provision to assets | 0.2678% | 1,519 |
| Net operating income to assets | 1.1203% | 1,913 |
| Return on assets (ROA) | 1.1912% | 1,787 |
| Pretax return on assets | 1.4778% | 1,494 |
| Return on Equity (ROE) | 11.9362% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.9362% | 432 |
| Net charge-offs to loans | 0.0007% | 3,219 |
| Credit loss provision to net charge-offs | 51,700.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 3,200.0000% | 23 |
| Efficiency ratio | 61.4504% | 3,153 |
| Assets per employee ($millions) | 5.4792% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,150 |
| Loan loss allowance to noncurrent loans | 92.2426% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 1,120 |
| Noncurrent loans to loans | 1.4105% | 1,026 |
| Net loans and leases to total assets | 69.6504% | 2,010 |
| Net loans and leases to deposits | 78.1901% | 2,515 |
| Net loans and leases to core deposits | 96.2615% | 1,437 |
| Total domestic deposits to total assets | 89.0782% | 739 |
| Equity capital to assets | 9.4533% | 3,720 |
| Core capital (leverage) ratio | 9.0788% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,316,250 | 2,518 |
| Average earning assets | $237,184,250 | 2,527 |
| Average equity | $25,680,250 | 2,750 |
| Average total loans | $193,203,000 | 2,292 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 1,240 |
| Cost of funding earning assets | 0.7654% | 2,018 |
| Net interest margin | 4.0050% | 1,305 |
| Noninterest income to average assets | 0.6201% | 2,060 |
| Noninterest expense to average assets | 2.5995% | 2,667 |
| Loan and lease loss provision to assets | 0.2314% | 1,818 |
| Net operating income to assets | 1.1873% | 1,677 |
| Return on assets (ROA) | 1.2304% | 1,670 |
| Pretax return on assets | 1.5255% | 1,400 |
| Return on Equity (ROE) | 12.0812% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.0812% | 451 |
| Net charge-offs to loans | 0.0147% | 2,452 |
| Credit loss provision to net charge-offs | 2,050.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 150.9286% | 530 |
| Efficiency ratio | 60.4085% | 3,361 |
| Assets per employee ($millions) | 4.9151% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,606 |
| Loan loss allowance to noncurrent loans | 103.3087% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 1,461 |
| Noncurrent loans to loans | 1.1433% | 1,378 |
| Net loans and leases to total assets | 73.4391% | 1,486 |
| Net loans and leases to deposits | 82.6943% | 2,123 |
| Net loans and leases to core deposits | 99.3848% | 1,303 |
| Total domestic deposits to total assets | 88.8079% | 819 |
| Equity capital to assets | 9.7206% | 3,445 |
| Core capital (leverage) ratio | 9.6130% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,043,333 | 2,552 |
| Average earning assets | $228,114,667 | 2,567 |
| Average equity | $25,262,333 | 2,760 |
| Average total loans | $190,507,000 | 2,297 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 938 |
| Cost of funding earning assets | 0.8675% | 2,023 |
| Net interest margin | 4.1469% | 1,033 |
| Noninterest income to average assets | 0.4930% | 2,581 |
| Noninterest expense to average assets | 2.8215% | 2,372 |
| Loan and lease loss provision to assets | 0.0338% | 3,346 |
| Net operating income to assets | 1.1760% | 1,596 |
| Return on assets (ROA) | 1.1938% | 1,650 |
| Pretax return on assets | 1.4774% | 1,363 |
| Return on Equity (ROE) | 11.4242% | 1,283 |
| Retained earnings to average equity (ytd only) | 11.4242% | 497 |
| Net charge-offs to loans | -0.0022% | 3,665 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4524% | 3,034 |
| Assets per employee ($millions) | 4.4876% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,976 |
| Loan loss allowance to noncurrent loans | 91.8605% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 1,416 |
| Noncurrent loans to loans | 1.2433% | 1,309 |
| Net loans and leases to total assets | 74.8047% | 1,483 |
| Net loans and leases to deposits | 84.9678% | 2,110 |
| Net loans and leases to core deposits | 107.5262% | 966 |
| Total domestic deposits to total assets | 88.0389% | 1,091 |
| Equity capital to assets | 10.0759% | 3,708 |
| Core capital (leverage) ratio | 10.4250% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,898,500 | 2,580 |
| Average earning assets | $218,089,000 | 2,586 |
| Average equity | $24,754,500 | 2,790 |
| Average total loans | $185,321,000 | 2,303 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 894 |
| Cost of funding earning assets | 1.0499% | 1,512 |
| Net interest margin | 4.2066% | 1,306 |
| Noninterest income to average assets | 0.5583% | 2,430 |
| Noninterest expense to average assets | 2.9798% | 2,067 |
| Loan and lease loss provision to assets | 0.0608% | 2,822 |
| Net operating income to assets | 1.1261% | 2,351 |
| Return on assets (ROA) | 1.1257% | 2,446 |
| Pretax return on assets | 1.3881% | 2,204 |
| Return on Equity (ROE) | 10.8851% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.8851% | 350 |
| Net charge-offs to loans | 0.0247% | 2,908 |
| Credit loss provision to net charge-offs | 306.5217% | 904 |
| Earnings coverage of net charge-offs (x) | 73.0217% | 858 |
| Efficiency ratio | 67.2772% | 2,565 |
| Assets per employee ($millions) | 4.1283% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,707 |
| Loan loss allowance to noncurrent loans | 97.9592% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 1,336 |
| Noncurrent loans to loans | 1.1725% | 1,292 |
| Net loans and leases to total assets | 80.0545% | 782 |
| Net loans and leases to deposits | 92.4421% | 1,316 |
| Net loans and leases to core deposits | 111.9558% | 761 |
| Total domestic deposits to total assets | 86.5997% | 1,807 |
| Equity capital to assets | 10.8520% | 3,137 |
| Core capital (leverage) ratio | 10.1928% | 3,306 |
| Tier 1 risk-based capital ratio | 11.3426% | 4,711 |
| Total risk-based capital ratio | 12.4102% | 4,683 |
| Memoranda: | ||
| Average total assets | $231,760,800 | 2,565 |
| Average earning assets | $213,260,000 | 2,579 |
| Average equity | $23,968,600 | 2,798 |
| Average total loans | $186,360,800 | 2,263 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 936 |
| Cost of funding earning assets | 1.0744% | 1,451 |
| Net interest margin | 4.1846% | 1,409 |
| Noninterest income to average assets | 0.5907% | 2,256 |
| Noninterest expense to average assets | 2.9941% | 1,994 |
| Loan and lease loss provision to assets | 0.0521% | 2,864 |
| Net operating income to assets | 1.1326% | 2,439 |
| Return on assets (ROA) | 1.1322% | 2,531 |
| Pretax return on assets | 1.3960% | 2,328 |
| Return on Equity (ROE) | 11.0806% | 1,989 |
| Retained earnings to average equity (ytd only) | 11.0806% | 509 |
| Net charge-offs to loans | 0.0242% | 2,620 |
| Credit loss provision to net charge-offs | 267.6471% | 1,035 |
| Earnings coverage of net charge-offs (x) | 74.4447% | 905 |
| Efficiency ratio | 67.3924% | 2,515 |
| Assets per employee ($millions) | 4.0938% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 2,934 |
| Loan loss allowance to noncurrent loans | 83.2530% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 1,295 |
| Noncurrent loans to loans | 1.3441% | 1,145 |
| Net loans and leases to total assets | 75.8426% | 1,512 |
| Net loans and leases to deposits | 87.1969% | 2,035 |
| Net loans and leases to core deposits | 107.8917% | 1,061 |
| Total domestic deposits to total assets | 86.9786% | 1,533 |
| Equity capital to assets | 10.0723% | 3,942 |
| Core capital (leverage) ratio | 9.9688% | 3,666 |
| Tier 1 risk-based capital ratio | 10.9256% | 4,949 |
| Total risk-based capital ratio | 11.9602% | 4,930 |
| Memoranda: | ||
| Average total assets | $232,937,500 | 2,584 |
| Average earning assets | $214,430,500 | 2,592 |
| Average equity | $23,800,750 | 2,825 |
| Average total loans | $186,981,250 | 2,284 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 880 |
| Cost of funding earning assets | 1.0810% | 1,374 |
| Net interest margin | 4.1771% | 1,415 |
| Noninterest income to average assets | 0.5833% | 2,229 |
| Noninterest expense to average assets | 2.9982% | 2,014 |
| Loan and lease loss provision to assets | 0.0487% | 2,846 |
| Net operating income to assets | 1.1292% | 2,408 |
| Return on assets (ROA) | 1.1292% | 2,479 |
| Pretax return on assets | 1.3926% | 2,231 |
| Return on Equity (ROE) | 10.9968% | 1,976 |
| Retained earnings to average equity (ytd only) | 8.3725% | 1,251 |
| Net charge-offs to loans | 0.0043% | 3,015 |
| Credit loss provision to net charge-offs | 1,400.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 414.5000% | 185 |
| Efficiency ratio | 67.5348% | 2,606 |
| Assets per employee ($millions) | 4.0532% | 3,803 |
| Cash dividends to net income (ytd only)* | 23.8645% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,197 |
| Loan loss allowance to noncurrent loans | 67.2520% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 941 |
| Noncurrent loans to loans | 1.6026% | 958 |
| Net loans and leases to total assets | 82.1561% | 587 |
| Net loans and leases to deposits | 97.2915% | 906 |
| Net loans and leases to core deposits | 117.0876% | 643 |
| Total domestic deposits to total assets | 84.4432% | 2,712 |
| Equity capital to assets | 10.6843% | 3,357 |
| Core capital (leverage) ratio | 10.4692% | 3,124 |
| Tier 1 risk-based capital ratio | 11.0943% | 4,870 |
| Total risk-based capital ratio | 12.1084% | 4,891 |
| Memoranda: | ||
| Average total assets | $230,072,330 | 2,610 |
| Average earning assets | $212,398,000 | 2,619 |
| Average equity | $23,625,000 | 2,832 |
| Average total loans | $187,555,670 | 2,280 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1224% | 1,054 |
| Cost of funding earning assets | 1.0738% | 1,276 |
| Net interest margin | 4.0486% | 1,691 |
| Noninterest income to average assets | 0.5000% | 2,554 |
| Noninterest expense to average assets | 3.0088% | 1,971 |
| Loan and lease loss provision to assets | 0.0436% | 2,766 |
| Net operating income to assets | 0.9704% | 2,972 |
| Return on assets (ROA) | 0.9704% | 3,011 |
| Pretax return on assets | 1.1917% | 2,836 |
| Return on Equity (ROE) | 9.6469% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.8931% | 2,083 |
| Net charge-offs to loans | 0.0043% | 2,558 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 354.5000% | 225 |
| Efficiency ratio | 70.8949% | 2,206 |
| Assets per employee ($millions) | 4.1616% | 3,679 |
| Cash dividends to net income (ytd only)* | 28.5458% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,171 |
| Loan loss allowance to noncurrent loans | 66.7321% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 988 |
| Noncurrent loans to loans | 1.6386% | 961 |
| Net loans and leases to total assets | 77.7859% | 1,194 |
| Net loans and leases to deposits | 90.0330% | 1,625 |
| Net loans and leases to core deposits | 113.2609% | 772 |
| Total domestic deposits to total assets | 86.3971% | 2,111 |
| Equity capital to assets | 9.9054% | 3,915 |
| Core capital (leverage) ratio | 10.3590% | 3,211 |
| Tier 1 risk-based capital ratio | 10.9896% | 4,980 |
| Total risk-based capital ratio | 12.0012% | 4,989 |
| Memoranda: | ||
| Average total assets | $229,593,000 | 2,645 |
| Average earning assets | $212,322,000 | 2,646 |
| Average equity | $23,095,500 | 2,875 |
| Average total loans | $185,396,500 | 2,314 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 866 |
| Cost of funding earning assets | 0.7653% | 1,711 |
| Net interest margin | 4.3244% | 1,100 |
| Noninterest income to average assets | 0.6319% | 2,144 |
| Noninterest expense to average assets | 3.0536% | 1,914 |
| Loan and lease loss provision to assets | 0.0529% | 3,126 |
| Net operating income to assets | 1.1871% | 2,232 |
| Return on assets (ROA) | 1.1871% | 2,229 |
| Pretax return on assets | 1.4978% | 1,793 |
| Return on Equity (ROE) | 12.0880% | 1,686 |
| Retained earnings to average equity (ytd only) | 9.3889% | 757 |
| Net charge-offs to loans | 0.0404% | 2,597 |
| Credit loss provision to net charge-offs | 161.1111% | 1,724 |
| Earnings coverage of net charge-offs (x) | 47.2083% | 1,174 |
| Efficiency ratio | 66.3199% | 2,823 |
| Assets per employee ($millions) | 3.8935% | 4,041 |
| Cash dividends to net income (ytd only)* | 22.3290% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,138 |
| Loan loss allowance to noncurrent loans | 75.6189% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 1,055 |
| Noncurrent loans to loans | 1.4471% | 1,066 |
| Net loans and leases to total assets | 82.1064% | 632 |
| Net loans and leases to deposits | 97.3564% | 947 |
| Net loans and leases to core deposits | 116.8154% | 658 |
| Total domestic deposits to total assets | 84.3360% | 2,896 |
| Equity capital to assets | 10.1023% | 3,567 |
| Core capital (leverage) ratio | 10.2861% | 3,260 |
| Tier 1 risk-based capital ratio | 10.7814% | 5,080 |
| Total risk-based capital ratio | 11.7856% | 5,066 |
| Memoranda: | ||
| Average total assets | $219,183,000 | 2,696 |
| Average earning assets | $201,346,800 | 2,709 |
| Average equity | $21,525,400 | 2,937 |
| Average total loans | $178,401,800 | 2,347 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 792 |
| Cost of funding earning assets | 0.7138% | 1,777 |
| Net interest margin | 4.3690% | 968 |
| Noninterest income to average assets | 0.6078% | 2,267 |
| Noninterest expense to average assets | 3.0206% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2577% | 2,010 |
| Return on assets (ROA) | 1.2577% | 2,018 |
| Pretax return on assets | 1.5988% | 1,585 |
| Return on Equity (ROE) | 12.9000% | 1,471 |
| Retained earnings to average equity (ytd only) | 10.2274% | 847 |
| Net charge-offs to loans | 0.0173% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 113.8979% | 679 |
| Efficiency ratio | 65.3897% | 2,973 |
| Assets per employee ($millions) | 3.9195% | 4,018 |
| Cash dividends to net income (ytd only)* | 20.7181% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,310 |
| Loan loss allowance to noncurrent loans | 265.6676% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 3,195 |
| Noncurrent loans to loans | 0.4056% | 3,197 |
| Net loans and leases to total assets | 81.5570% | 787 |
| Net loans and leases to deposits | 93.7628% | 1,401 |
| Net loans and leases to core deposits | 111.4757% | 943 |
| Total domestic deposits to total assets | 86.9822% | 1,741 |
| Equity capital to assets | 10.0099% | 3,638 |
| Core capital (leverage) ratio | 9.9710% | 3,669 |
| Tier 1 risk-based capital ratio | 10.8086% | 5,128 |
| Total risk-based capital ratio | 11.7905% | 5,144 |
| Memoranda: | ||
| Average total assets | $218,496,500 | 2,720 |
| Average earning assets | $200,619,000 | 2,728 |
| Average equity | $21,301,750 | 2,974 |
| Average total loans | $176,943,750 | 2,371 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 900 |
| Cost of funding earning assets | 0.6602% | 1,869 |
| Net interest margin | 4.2987% | 1,035 |
| Noninterest income to average assets | 0.6078% | 2,281 |
| Noninterest expense to average assets | 2.9858% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2697% | 1,898 |
| Return on assets (ROA) | 1.2697% | 1,900 |
| Pretax return on assets | 1.5676% | 1,610 |
| Return on Equity (ROE) | 13.1412% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.4940% | 792 |
| Net charge-offs to loans | 0.0262% | 2,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 74.3478% | 867 |
| Efficiency ratio | 65.5728% | 3,048 |
| Assets per employee ($millions) | 3.9762% | 3,938 |
| Cash dividends to net income (ytd only)* | 20.1444% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,371 |
| Loan loss allowance to noncurrent loans | 188.8566% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,727 |
| Noncurrent loans to loans | 0.5728% | 2,702 |
| Net loans and leases to total assets | 81.4912% | 772 |
| Net loans and leases to deposits | 95.4440% | 1,204 |
| Net loans and leases to core deposits | 110.2530% | 979 |
| Total domestic deposits to total assets | 85.3811% | 2,535 |
| Equity capital to assets | 9.7691% | 3,854 |
| Core capital (leverage) ratio | 9.8750% | 3,708 |
| Tier 1 risk-based capital ratio | 10.5365% | 5,257 |
| Total risk-based capital ratio | 11.5314% | 5,271 |
| Memoranda: | ||
| Average total assets | $218,164,670 | 2,742 |
| Average earning assets | $200,245,000 | 2,755 |
| Average equity | $21,078,670 | 3,008 |
| Average total loans | $175,604,670 | 2,393 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 995 |
| Cost of funding earning assets | 0.5916% | 2,107 |
| Net interest margin | 4.2488% | 1,055 |
| Noninterest income to average assets | 0.5727% | 2,405 |
| Noninterest expense to average assets | 2.9444% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2428% | 1,836 |
| Return on assets (ROA) | 1.2428% | 1,846 |
| Pretax return on assets | 1.5310% | 1,592 |
| Return on Equity (ROE) | 12.9347% | 1,282 |
| Retained earnings to average equity (ytd only) | 10.3172% | 1,063 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7916% | 3,207 |
| Assets per employee ($millions) | 4.1997% | 3,652 |
| Cash dividends to net income (ytd only)* | 20.2363% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,227 |
| Loan loss allowance to noncurrent loans | 191.4563% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 2,905 |
| Noncurrent loans to loans | 0.5878% | 2,780 |
| Net loans and leases to total assets | 76.4034% | 1,481 |
| Net loans and leases to deposits | 86.5523% | 2,097 |
| Net loans and leases to core deposits | 105.0293% | 1,311 |
| Total domestic deposits to total assets | 88.2743% | 1,473 |
| Equity capital to assets | 9.2485% | 4,320 |
| Core capital (leverage) ratio | 9.8853% | 3,665 |
| Tier 1 risk-based capital ratio | 10.5489% | 5,337 |
| Total risk-based capital ratio | 11.5875% | 5,327 |
| Memoranda: | ||
| Average total assets | $217,902,000 | 2,779 |
| Average earning assets | $200,150,000 | 2,784 |
| Average equity | $20,936,000 | 3,053 |
| Average total loans | $173,326,000 | 2,434 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 1,013 |
| Cost of funding earning assets | 0.4349% | 2,914 |
| Net interest margin | 4.3428% | 877 |
| Noninterest income to average assets | 0.6137% | 2,391 |
| Noninterest expense to average assets | 3.1110% | 1,829 |
| Loan and lease loss provision to assets | 0.0258% | 3,778 |
| Net operating income to assets | 0.8421% | 2,988 |
| Return on assets (ROA) | 0.8452% | 2,999 |
| Pretax return on assets | 1.4842% | 1,703 |
| Return on Equity (ROE) | 8.6827% | 2,456 |
| Retained earnings to average equity (ytd only) | 6.3339% | 1,365 |
| Net charge-offs to loans | 0.0391% | 3,019 |
| Credit loss provision to net charge-offs | 83.0769% | 2,898 |
| Earnings coverage of net charge-offs (x) | 48.4154% | 1,112 |
| Efficiency ratio | 67.3920% | 3,022 |
| Assets per employee ($millions) | 3.8012% | 4,281 |
| Cash dividends to net income (ytd only)* | 27.0515% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,063 |
| Loan loss allowance to noncurrent loans | 216.9417% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,979 |
| Noncurrent loans to loans | 0.5303% | 2,915 |
| Net loans and leases to total assets | 81.0448% | 828 |
| Net loans and leases to deposits | 94.2244% | 1,247 |
| Net loans and leases to core deposits | 105.4690% | 1,305 |
| Total domestic deposits to total assets | 86.0126% | 2,430 |
| Equity capital to assets | 9.9791% | 3,735 |
| Core capital (leverage) ratio | 9.7052% | 3,810 |
| Tier 1 risk-based capital ratio | 10.7313% | 5,280 |
| Total risk-based capital ratio | 11.8131% | 5,253 |
| Memoranda: | ||
| Average total assets | $209,062,800 | 2,833 |
| Average earning assets | $192,687,400 | 2,836 |
| Average equity | $20,350,800 | 3,105 |
| Average total loans | $166,065,600 | 2,464 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,086 |
| Cost of funding earning assets | 0.4001% | 3,190 |
| Net interest margin | 4.3243% | 868 |
| Noninterest income to average assets | 0.5663% | 2,637 |
| Noninterest expense to average assets | 3.0606% | 1,922 |
| Loan and lease loss provision to assets | 0.0242% | 3,659 |
| Net operating income to assets | 1.0255% | 2,444 |
| Return on assets (ROA) | 1.0300% | 2,452 |
| Pretax return on assets | 1.4790% | 1,848 |
| Return on Equity (ROE) | 10.6478% | 1,848 |
| Retained earnings to average equity (ytd only) | 8.3204% | 1,086 |
| Net charge-offs to loans | 0.0494% | 2,442 |
| Credit loss provision to net charge-offs | 62.2951% | 2,780 |
| Earnings coverage of net charge-offs (x) | 38.4761% | 1,338 |
| Efficiency ratio | 67.1565% | 3,023 |
| Assets per employee ($millions) | 3.9217% | 4,119 |
| Cash dividends to net income (ytd only)* | 21.8574% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,194 |
| Loan loss allowance to noncurrent loans | 211.3147% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 3,156 |
| Noncurrent loans to loans | 0.5447% | 3,067 |
| Net loans and leases to total assets | 75.3408% | 1,700 |
| Net loans and leases to deposits | 85.6260% | 2,351 |
| Net loans and leases to core deposits | 98.3290% | 1,862 |
| Total domestic deposits to total assets | 87.9882% | 1,371 |
| Equity capital to assets | 9.3380% | 4,610 |
| Core capital (leverage) ratio | 9.5332% | 4,118 |
| Tier 1 risk-based capital ratio | 10.6110% | 5,417 |
| Total risk-based capital ratio | 11.6976% | 5,406 |
| Memoranda: | ||
| Average total assets | $209,061,750 | 2,852 |
| Average earning assets | $192,951,500 | 2,861 |
| Average equity | $20,222,750 | 3,139 |
| Average total loans | $164,729,500 | 2,496 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 993 |
| Cost of funding earning assets | 0.3504% | 3,579 |
| Net interest margin | 4.3840% | 725 |
| Noninterest income to average assets | 0.5533% | 2,697 |
| Noninterest expense to average assets | 3.1405% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0155% | 2,353 |
| Return on assets (ROA) | 1.0223% | 2,368 |
| Pretax return on assets | 1.4660% | 1,774 |
| Return on Equity (ROE) | 10.4370% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.1577% | 1,098 |
| Net charge-offs to loans | 0.0049% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 371.7500% | 229 |
| Efficiency ratio | 68.3213% | 2,953 |
| Assets per employee ($millions) | 3.7756% | 4,313 |
| Cash dividends to net income (ytd only)* | 21.8391% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 3,093 |
| Loan loss allowance to noncurrent loans | 519.9475% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 4,219 |
| Noncurrent loans to loans | 0.2286% | 4,211 |
| Net loans and leases to total assets | 80.7768% | 835 |
| Net loans and leases to deposits | 96.2239% | 1,052 |
| Net loans and leases to core deposits | 103.9467% | 1,355 |
| Total domestic deposits to total assets | 83.9468% | 3,219 |
| Equity capital to assets | 10.0994% | 3,795 |
| Core capital (leverage) ratio | 10.0344% | 3,497 |
| Tier 1 risk-based capital ratio | 10.9095% | 5,302 |
| Total risk-based capital ratio | 12.0591% | 5,264 |
| Memoranda: | ||
| Average total assets | $204,236,000 | 2,918 |
| Average earning assets | $188,368,670 | 2,929 |
| Average equity | $20,005,670 | 3,158 |
| Average total loans | $162,847,000 | 2,519 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 1,109 |
| Cost of funding earning assets | 0.3366% | 3,677 |
| Net interest margin | 4.2758% | 834 |
| Noninterest income to average assets | 0.5205% | 2,835 |
| Noninterest expense to average assets | 3.0546% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9921% | 2,338 |
| Return on assets (ROA) | 1.0058% | 2,330 |
| Pretax return on assets | 1.4383% | 1,736 |
| Return on Equity (ROE) | 10.4297% | 1,765 |
| Retained earnings to average equity (ytd only) | 8.9078% | 1,115 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2852% | 3,153 |
| Assets per employee ($millions) | 3.7728% | 4,383 |
| Cash dividends to net income (ytd only)* | 14.5914% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,989 |
| Loan loss allowance to noncurrent loans | 469.0307% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,213 |
| Noncurrent loans to loans | 0.2606% | 4,181 |
| Net loans and leases to total assets | 77.2527% | 1,237 |
| Net loans and leases to deposits | 91.3653% | 1,391 |
| Net loans and leases to core deposits | 101.3011% | 1,422 |
| Total domestic deposits to total assets | 84.5537% | 3,278 |
| Equity capital to assets | 9.6132% | 4,171 |
| Core capital (leverage) ratio | 9.8482% | 3,695 |
| Tier 1 risk-based capital ratio | 10.8218% | 5,398 |
| Total risk-based capital ratio | 12.0012% | 5,357 |
| Memoranda: | ||
| Average total assets | $204,412,000 | 2,941 |
| Average earning assets | $188,972,500 | 2,951 |
| Average equity | $19,713,000 | 3,204 |
| Average total loans | $160,934,500 | 2,567 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,164 |
| Cost of funding earning assets | 0.2966% | 4,099 |
| Net interest margin | 4.3551% | 842 |
| Noninterest income to average assets | 0.5127% | 3,151 |
| Noninterest expense to average assets | 3.0477% | 2,188 |
| Loan and lease loss provision to assets | 0.0318% | 3,720 |
| Net operating income to assets | 1.0203% | 2,263 |
| Return on assets (ROA) | 1.0174% | 2,377 |
| Pretax return on assets | 1.4302% | 1,816 |
| Return on Equity (ROE) | 11.1294% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.8660% | 614 |
| Net charge-offs to loans | -0.0281% | 5,223 |
| Credit loss provision to net charge-offs | -150.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5201% | 3,343 |
| Assets per employee ($millions) | 3.8715% | 4,188 |
| Cash dividends to net income (ytd only)* | 20.3373% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,858 |
| Loan loss allowance to noncurrent loans | 447.8555% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,268 |
| Noncurrent loans to loans | 0.2776% | 4,163 |
| Net loans and leases to total assets | 78.2826% | 1,160 |
| Net loans and leases to deposits | 93.7971% | 1,216 |
| Net loans and leases to core deposits | 99.4642% | 1,666 |
| Total domestic deposits to total assets | 83.4595% | 3,609 |
| Equity capital to assets | 9.6752% | 4,095 |
| Core capital (leverage) ratio | 9.5874% | 3,983 |
| Tier 1 risk-based capital ratio | 10.7708% | 5,454 |
| Total risk-based capital ratio | 11.9701% | 5,387 |
| Memoranda: | ||
| Average total assets | $198,148,400 | 2,974 |
| Average earning assets | $182,038,400 | 2,994 |
| Average equity | $18,114,200 | 3,387 |
| Average total loans | $149,352,600 | 2,653 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,261 |
| Cost of funding earning assets | 0.2944% | 4,163 |
| Net interest margin | 4.3216% | 891 |
| Noninterest income to average assets | 0.5175% | 3,136 |
| Noninterest expense to average assets | 3.1962% | 1,783 |
| Loan and lease loss provision to assets | 0.0426% | 3,381 |
| Net operating income to assets | 0.8936% | 2,942 |
| Return on assets (ROA) | 0.8897% | 3,095 |
| Pretax return on assets | 1.2397% | 2,657 |
| Return on Equity (ROE) | 9.8798% | 2,103 |
| Retained earnings to average equity (ytd only) | 7.5692% | 1,369 |
| Net charge-offs to loans | 0.0173% | 3,376 |
| Credit loss provision to net charge-offs | 331.5789% | 962 |
| Earnings coverage of net charge-offs (x) | 100.3265% | 654 |
| Efficiency ratio | 71.2822% | 2,687 |
| Assets per employee ($millions) | 4.0898% | 3,808 |
| Cash dividends to net income (ytd only)* | 23.3866% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,943 |
| Loan loss allowance to noncurrent loans | 268.0614% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,931 |
| Noncurrent loans to loans | 0.4672% | 3,615 |
| Net loans and leases to total assets | 71.2539% | 2,306 |
| Net loans and leases to deposits | 80.3249% | 2,923 |
| Net loans and leases to core deposits | 92.5456% | 2,329 |
| Total domestic deposits to total assets | 88.7070% | 1,045 |
| Equity capital to assets | 9.0825% | 5,092 |
| Core capital (leverage) ratio | 9.1901% | 4,609 |
| Tier 1 risk-based capital ratio | 10.6099% | 5,565 |
| Total risk-based capital ratio | 11.8227% | 5,503 |
| Memoranda: | ||
| Average total assets | $197,356,000 | 2,997 |
| Average earning assets | $181,131,000 | 3,016 |
| Average equity | $17,773,250 | 3,466 |
| Average total loans | $146,795,500 | 2,688 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,220 |
| Cost of funding earning assets | 0.2931% | 4,211 |
| Net interest margin | 4.3323% | 869 |
| Noninterest income to average assets | 0.4869% | 3,284 |
| Noninterest expense to average assets | 3.2406% | 1,715 |
| Loan and lease loss provision to assets | 0.0270% | 3,585 |
| Net operating income to assets | 0.8520% | 3,089 |
| Return on assets (ROA) | 0.8520% | 3,208 |
| Pretax return on assets | 1.1870% | 2,833 |
| Return on Equity (ROE) | 9.4907% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.4907% | 719 |
| Net charge-offs to loans | 0.0277% | 2,929 |
| Credit loss provision to net charge-offs | 130.0000% | 1,770 |
| Earnings coverage of net charge-offs (x) | 58.3500% | 903 |
| Efficiency ratio | 72.7464% | 2,557 |
| Assets per employee ($millions) | 3.9225% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,067 |
| Loan loss allowance to noncurrent loans | 243.2258% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 3,941 |
| Noncurrent loans to loans | 0.5142% | 3,539 |
| Net loans and leases to total assets | 74.3971% | 1,754 |
| Net loans and leases to deposits | 83.7022% | 2,501 |
| Net loans and leases to core deposits | 99.9362% | 1,641 |
| Total domestic deposits to total assets | 88.8832% | 966 |
| Equity capital to assets | 8.8994% | 5,314 |
| Core capital (leverage) ratio | 8.7427% | 5,114 |
| Tier 1 risk-based capital ratio | 10.1026% | 5,818 |
| Total risk-based capital ratio | 11.3384% | 5,765 |
| Memoranda: | ||
| Average total assets | $192,250,670 | 3,067 |
| Average earning assets | $176,073,000 | 3,082 |
| Average equity | $17,259,000 | 3,550 |
| Average total loans | $144,574,330 | 2,711 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 1,345 |
| Cost of funding earning assets | 0.2852% | 4,329 |
| Net interest margin | 4.2831% | 955 |
| Noninterest income to average assets | 0.4375% | 3,560 |
| Noninterest expense to average assets | 3.2981% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7709% | 3,392 |
| Return on assets (ROA) | 0.7709% | 3,497 |
| Pretax return on assets | 1.0618% | 3,236 |
| Return on Equity (ROE) | 8.5477% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.5477% | 1,246 |
| Net charge-offs to loans | -0.0057% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6454% | 2,225 |
| Assets per employee ($millions) | 3.9256% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,800 |
| Loan loss allowance to noncurrent loans | 229.6703% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 3,926 |
| Noncurrent loans to loans | 0.5747% | 3,471 |
| Net loans and leases to total assets | 71.6495% | 2,094 |
| Net loans and leases to deposits | 79.8060% | 2,817 |
| Net loans and leases to core deposits | 96.6344% | 1,734 |
| Total domestic deposits to total assets | 89.7795% | 688 |
| Equity capital to assets | 8.8714% | 5,285 |
| Core capital (leverage) ratio | 9.1459% | 4,666 |
| Tier 1 risk-based capital ratio | 10.4002% | 5,792 |
| Total risk-based capital ratio | 11.6830% | 5,699 |
| Memoranda: | ||
| Average total assets | $188,352,000 | 3,108 |
| Average earning assets | $172,493,000 | 3,126 |
| Average equity | $16,987,000 | 3,591 |
| Average total loans | $141,504,000 | 2,752 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,204 |
| Cost of funding earning assets | 0.2815% | 4,470 |
| Net interest margin | 4.3742% | 838 |
| Noninterest income to average assets | 0.5475% | 3,023 |
| Noninterest expense to average assets | 3.3216% | 1,675 |
| Loan and lease loss provision to assets | 0.1564% | 1,497 |
| Net operating income to assets | 0.7998% | 3,343 |
| Return on assets (ROA) | 0.8110% | 3,368 |
| Pretax return on assets | 1.1085% | 3,008 |
| Return on Equity (ROE) | 9.4474% | 2,246 |
| Retained earnings to average equity (ytd only) | 6.8859% | 1,328 |
| Net charge-offs to loans | -0.0199% | 5,263 |
| Credit loss provision to net charge-offs | -1,061.5385% | 5,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6630% | 2,795 |
| Assets per employee ($millions) | 3.5377% | 4,753 |
| Cash dividends to net income (ytd only)* | 27.1139% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 2,719 |
| Loan loss allowance to noncurrent loans | 250.8678% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 3,938 |
| Noncurrent loans to loans | 0.5331% | 3,572 |
| Net loans and leases to total assets | 76.8271% | 1,280 |
| Net loans and leases to deposits | 87.4508% | 1,939 |
| Net loans and leases to core deposits | 98.8871% | 1,600 |
| Total domestic deposits to total assets | 87.8518% | 1,718 |
| Equity capital to assets | 9.1790% | 4,937 |
| Core capital (leverage) ratio | 8.8090% | 5,101 |
| Tier 1 risk-based capital ratio | 10.2157% | 5,891 |
| Total risk-based capital ratio | 11.5219% | 5,799 |
| Memoranda: | ||
| Average total assets | $176,451,400 | 3,214 |
| Average earning assets | $162,315,800 | 3,223 |
| Average equity | $15,147,000 | 3,818 |
| Average total loans | $130,926,000 | 2,873 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,380 |
| Cost of funding earning assets | 0.2834% | 4,527 |
| Net interest margin | 4.2965% | 963 |
| Noninterest income to average assets | 0.5380% | 3,121 |
| Noninterest expense to average assets | 3.3192% | 1,647 |
| Loan and lease loss provision to assets | 0.1968% | 1,023 |
| Net operating income to assets | 0.7195% | 3,820 |
| Return on assets (ROA) | 0.7295% | 3,875 |
| Pretax return on assets | 0.9993% | 3,617 |
| Return on Equity (ROE) | 8.6522% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.0295% | 2,228 |
| Net charge-offs to loans | -0.0332% | 5,398 |
| Credit loss provision to net charge-offs | -809.3750% | 5,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7340% | 2,602 |
| Assets per employee ($millions) | 4.0319% | 3,830 |
| Cash dividends to net income (ytd only)* | 30.3124% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,936 |
| Loan loss allowance to noncurrent loans | 323.0104% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 4,571 |
| Noncurrent loans to loans | 0.4132% | 4,126 |
| Net loans and leases to total assets | 71.3108% | 2,174 |
| Net loans and leases to deposits | 78.5272% | 3,047 |
| Net loans and leases to core deposits | 96.0003% | 1,880 |
| Total domestic deposits to total assets | 90.8104% | 299 |
| Equity capital to assets | 8.3965% | 5,764 |
| Core capital (leverage) ratio | 8.6197% | 5,442 |
| Tier 1 risk-based capital ratio | 10.0620% | 6,023 |
| Total risk-based capital ratio | 11.3884% | 5,944 |
| Memoranda: | ||
| Average total assets | $175,458,750 | 3,254 |
| Average earning assets | $161,863,500 | 3,257 |
| Average equity | $14,793,500 | 3,906 |
| Average total loans | $128,534,500 | 2,927 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,183 |
| Cost of funding earning assets | 0.2881% | 4,526 |
| Net interest margin | 4.3531% | 831 |
| Noninterest income to average assets | 0.5088% | 3,319 |
| Noninterest expense to average assets | 3.5294% | 1,248 |
| Loan and lease loss provision to assets | 0.2302% | 804 |
| Net operating income to assets | 0.5719% | 4,462 |
| Return on assets (ROA) | 0.5878% | 4,498 |
| Pretax return on assets | 0.7838% | 4,372 |
| Return on Equity (ROE) | 6.9611% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.2494% | 3,327 |
| Net charge-offs to loans | -0.0353% | 5,395 |
| Credit loss provision to net charge-offs | -886.3636% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0475% | 2,066 |
| Assets per employee ($millions) | 3.3838% | 5,013 |
| Cash dividends to net income (ytd only)* | 38.9558% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,942 |
| Loan loss allowance to noncurrent loans | 306.1433% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 4,520 |
| Noncurrent loans to loans | 0.4437% | 4,149 |
| Net loans and leases to total assets | 75.4914% | 1,440 |
| Net loans and leases to deposits | 83.0133% | 2,434 |
| Net loans and leases to core deposits | 103.4897% | 1,222 |
| Total domestic deposits to total assets | 90.9389% | 311 |
| Equity capital to assets | 8.3119% | 5,824 |
| Core capital (leverage) ratio | 8.0284% | 5,915 |
| Tier 1 risk-based capital ratio | 9.5311% | 6,197 |
| Total risk-based capital ratio | 10.9035% | 6,145 |
| Memoranda: | ||
| Average total assets | $169,434,000 | 3,360 |
| Average earning assets | $156,210,000 | 3,360 |
| Average equity | $14,308,000 | 3,998 |
| Average total loans | $124,753,670 | 3,003 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 1,321 |
| Cost of funding earning assets | 0.2816% | 4,649 |
| Net interest margin | 4.2734% | 935 |
| Noninterest income to average assets | 0.5433% | 3,005 |
| Noninterest expense to average assets | 3.5648% | 1,186 |
| Loan and lease loss provision to assets | 0.2621% | 611 |
| Net operating income to assets | 0.5052% | 4,659 |
| Return on assets (ROA) | 0.5052% | 4,779 |
| Pretax return on assets | 0.6577% | 4,731 |
| Return on Equity (ROE) | 5.9342% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.2190% | 4,057 |
| Net charge-offs to loans | -0.0099% | 4,720 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4899% | 1,962 |
| Assets per employee ($millions) | 3.3767% | 5,120 |
| Cash dividends to net income (ytd only)* | 45.7547% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,153 |
| Loan loss allowance to noncurrent loans | 369.5842% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 4,901 |
| Noncurrent loans to loans | 0.3647% | 4,496 |
| Net loans and leases to total assets | 70.3981% | 2,083 |
| Net loans and leases to deposits | 77.4958% | 2,878 |
| Net loans and leases to core deposits | 97.0153% | 1,547 |
| Total domestic deposits to total assets | 90.8412% | 417 |
| Equity capital to assets | 8.1816% | 5,945 |
| Core capital (leverage) ratio | 8.3146% | 5,711 |
| Tier 1 risk-based capital ratio | 9.6608% | 6,243 |
| Total risk-based capital ratio | 10.9990% | 6,190 |
| Memoranda: | ||
| Average total assets | $167,865,000 | 3,405 |
| Average earning assets | $154,816,500 | 3,395 |
| Average equity | $14,290,000 | 4,026 |
| Average total loans | $121,095,000 | 3,077 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,407 |
| Cost of funding earning assets | 0.2958% | 4,834 |
| Net interest margin | 4.3598% | 951 |
| Noninterest income to average assets | 0.7135% | 2,242 |
| Noninterest expense to average assets | 3.5198% | 1,443 |
| Loan and lease loss provision to assets | 0.0496% | 3,575 |
| Net operating income to assets | 0.8238% | 3,260 |
| Return on assets (ROA) | 0.8400% | 3,266 |
| Pretax return on assets | 1.1586% | 2,829 |
| Return on Equity (ROE) | 9.6886% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.7109% | 1,541 |
| Net charge-offs to loans | -0.0160% | 5,659 |
| Credit loss provision to net charge-offs | -458.8235% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7973% | 2,698 |
| Assets per employee ($millions) | 3.1400% | 5,515 |
| Cash dividends to net income (ytd only)* | 30.7343% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,178 |
| Loan loss allowance to noncurrent loans | 332.4895% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 4,851 |
| Noncurrent loans to loans | 0.4055% | 4,424 |
| Net loans and leases to total assets | 72.0076% | 1,913 |
| Net loans and leases to deposits | 80.8120% | 2,619 |
| Net loans and leases to core deposits | 88.2340% | 2,469 |
| Total domestic deposits to total assets | 89.1052% | 1,176 |
| Equity capital to assets | 8.8760% | 5,404 |
| Core capital (leverage) ratio | 8.3827% | 5,683 |
| Tier 1 risk-based capital ratio | 10.4171% | 6,133 |
| Total risk-based capital ratio | 11.7814% | 6,031 |
| Memoranda: | ||
| Average total assets | $157,254,400 | 3,531 |
| Average earning assets | $143,998,200 | 3,536 |
| Average equity | $13,634,600 | 4,083 |
| Average total loans | $106,020,000 | 3,301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 1,490 |
| Cost of funding earning assets | 0.2980% | 4,905 |
| Net interest margin | 4.3315% | 985 |
| Noninterest income to average assets | 0.7513% | 2,092 |
| Noninterest expense to average assets | 3.4522% | 1,562 |
| Loan and lease loss provision to assets | 0.0273% | 3,863 |
| Net operating income to assets | 0.8911% | 2,952 |
| Return on assets (ROA) | 0.8893% | 3,064 |
| Pretax return on assets | 1.2308% | 2,647 |
| Return on Equity (ROE) | 10.3187% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.2943% | 1,674 |
| Net charge-offs to loans | -0.0181% | 5,586 |
| Credit loss provision to net charge-offs | -228.5714% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2514% | 2,948 |
| Assets per employee ($millions) | 3.2655% | 5,297 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,286 |
| Loan loss allowance to noncurrent loans | 290.3042% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 4,983 |
| Noncurrent loans to loans | 0.4737% | 4,483 |
| Net loans and leases to total assets | 67.0742% | 2,675 |
| Net loans and leases to deposits | 74.1714% | 3,414 |
| Net loans and leases to core deposits | 80.2600% | 3,288 |
| Total domestic deposits to total assets | 90.4314% | 557 |
| Equity capital to assets | 8.5838% | 5,736 |
| Core capital (leverage) ratio | 8.4214% | 5,736 |
| Tier 1 risk-based capital ratio | 10.5243% | 6,206 |
| Total risk-based capital ratio | 11.8911% | 6,108 |
| Memoranda: | ||
| Average total assets | $156,533,000 | 3,572 |
| Average earning assets | $143,165,750 | 3,588 |
| Average equity | $13,489,750 | 4,131 |
| Average total loans | $103,302,750 | 3,382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,419 |
| Cost of funding earning assets | 0.3040% | 4,929 |
| Net interest margin | 4.3386% | 955 |
| Noninterest income to average assets | 0.7687% | 1,966 |
| Noninterest expense to average assets | 3.4326% | 1,609 |
| Loan and lease loss provision to assets | 0.0272% | 3,725 |
| Net operating income to assets | 0.9180% | 2,714 |
| Return on assets (ROA) | 0.9152% | 2,832 |
| Pretax return on assets | 1.2639% | 2,398 |
| Return on Equity (ROE) | 10.6048% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.3002% | 1,615 |
| Net charge-offs to loans | -0.0278% | 5,658 |
| Credit loss provision to net charge-offs | -150.0000% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6076% | 3,225 |
| Assets per employee ($millions) | 3.2305% | 5,375 |
| Cash dividends to net income (ytd only)* | 31.1615% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,214 |
| Loan loss allowance to noncurrent loans | 363.7890% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 5,286 |
| Noncurrent loans to loans | 0.3920% | 4,818 |
| Net loans and leases to total assets | 67.6226% | 2,480 |
| Net loans and leases to deposits | 74.9036% | 3,204 |
| Net loans and leases to core deposits | 80.7179% | 3,127 |
| Total domestic deposits to total assets | 90.2796% | 671 |
| Equity capital to assets | 8.8666% | 5,447 |
| Core capital (leverage) ratio | 8.8042% | 5,269 |
| Tier 1 risk-based capital ratio | 10.9841% | 6,055 |
| Total risk-based capital ratio | 12.3658% | 5,939 |
| Memoranda: | ||
| Average total assets | $154,286,330 | 3,615 |
| Average earning assets | $140,784,000 | 3,633 |
| Average equity | $13,314,670 | 4,165 |
| Average total loans | $100,723,330 | 3,443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 1,287 |
| Cost of funding earning assets | 0.3068% | 4,996 |
| Net interest margin | 4.3807% | 835 |
| Noninterest income to average assets | 0.8655% | 1,501 |
| Noninterest expense to average assets | 3.4205% | 1,649 |
| Loan and lease loss provision to assets | 0.0546% | 3,024 |
| Net operating income to assets | 1.0063% | 2,191 |
| Return on assets (ROA) | 1.0007% | 2,265 |
| Pretax return on assets | 1.3905% | 1,782 |
| Return on Equity (ROE) | 11.7580% | 1,476 |
| Retained earnings to average equity (ytd only) | 8.7040% | 1,345 |
| Net charge-offs to loans | -0.0409% | 5,715 |
| Credit loss provision to net charge-offs | -210.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1867% | 3,805 |
| Assets per employee ($millions) | 3.2677% | 5,414 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 2,894 |
| Loan loss allowance to noncurrent loans | 347.0183% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 5,310 |
| Noncurrent loans to loans | 0.4484% | 4,807 |
| Net loans and leases to total assets | 62.3317% | 3,184 |
| Net loans and leases to deposits | 68.9636% | 3,745 |
| Net loans and leases to core deposits | 72.7966% | 3,783 |
| Total domestic deposits to total assets | 90.3835% | 869 |
| Equity capital to assets | 8.6658% | 5,478 |
| Core capital (leverage) ratio | 8.5708% | 5,560 |
| Tier 1 risk-based capital ratio | 11.4934% | 5,919 |
| Total risk-based capital ratio | 12.8875% | 5,786 |
| Memoranda: | ||
| Average total assets | $153,897,000 | 3,647 |
| Average earning assets | $140,799,000 | 3,655 |
| Average equity | $13,097,500 | 4,220 |
| Average total loans | $97,897,000 | 3,519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,589 |
| Cost of funding earning assets | 0.3802% | 4,835 |
| Net interest margin | 4.0194% | 1,897 |
| Noninterest income to average assets | 0.7182% | 2,443 |
| Noninterest expense to average assets | 3.3888% | 1,906 |
| Loan and lease loss provision to assets | 0.0277% | 4,568 |
| Net operating income to assets | 0.6956% | 3,813 |
| Return on assets (ROA) | 0.9422% | 2,673 |
| Pretax return on assets | 1.3166% | 2,086 |
| Return on Equity (ROE) | 10.6333% | 1,885 |
| Retained earnings to average equity (ytd only) | -4.2330% | 6,330 |
| Net charge-offs to loans | 0.0191% | 5,058 |
| Credit loss provision to net charge-offs | 235.2941% | 974 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 531 |
| Efficiency ratio | 77.1830% | 2,593 |
| Assets per employee ($millions) | 3.5049% | 4,890 |
| Cash dividends to net income (ytd only)* | 139.8087% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,164 |
| Loan loss allowance to noncurrent loans | 249.4949% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 5,100 |
| Noncurrent loans to loans | 0.6027% | 4,472 |
| Net loans and leases to total assets | 62.9450% | 3,210 |
| Net loans and leases to deposits | 69.4051% | 3,856 |
| Net loans and leases to core deposits | 73.2377% | 3,922 |
| Total domestic deposits to total assets | 90.6922% | 707 |
| Equity capital to assets | 8.3559% | 5,730 |
| Core capital (leverage) ratio | 8.4149% | 5,761 |
| Tier 1 risk-based capital ratio | 11.0849% | 6,129 |
| Total risk-based capital ratio | 12.5498% | 5,959 |
| Memoranda: | ||
| Average total assets | $144,240,200 | 3,804 |
| Average earning assets | $131,784,400 | 3,805 |
| Average equity | $12,780,600 | 4,303 |
| Average total loans | $89,058,000 | 3,709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 3,146 |
| Cost of funding earning assets | 0.3956% | 4,856 |
| Net interest margin | 3.8679% | 2,387 |
| Noninterest income to average assets | 0.7346% | 2,438 |
| Noninterest expense to average assets | 3.3928% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6201% | 4,255 |
| Return on assets (ROA) | 0.9500% | 2,697 |
| Pretax return on assets | 1.3385% | 2,177 |
| Return on Equity (ROE) | 10.5583% | 1,979 |
| Retained earnings to average equity (ytd only) | -7.7358% | 6,589 |
| Net charge-offs to loans | 0.0277% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 51.6100% | 847 |
| Efficiency ratio | 79.5194% | 2,177 |
| Assets per employee ($millions) | 3.3992% | 5,068 |
| Cash dividends to net income (ytd only)* | 173.2681% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 3,145 |
| Loan loss allowance to noncurrent loans | 111.0169% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 3,906 |
| Noncurrent loans to loans | 1.4138% | 3,051 |
| Net loans and leases to total assets | 61.8247% | 3,389 |
| Net loans and leases to deposits | 67.9955% | 4,060 |
| Net loans and leases to core deposits | 70.9878% | 4,212 |
| Total domestic deposits to total assets | 90.9246% | 568 |
| Equity capital to assets | 7.9472% | 6,182 |
| Core capital (leverage) ratio | 7.8534% | 6,300 |
| Tier 1 risk-based capital ratio | 10.6060% | 6,421 |
| Total risk-based capital ratio | 12.0836% | 6,316 |
| Memoranda: | ||
| Average total assets | $141,746,750 | 3,892 |
| Average earning assets | $129,436,750 | 3,896 |
| Average equity | $12,754,250 | 4,356 |
| Average total loans | $86,684,500 | 3,794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,689 |
| Cost of funding earning assets | 0.3977% | 4,968 |
| Net interest margin | 3.7147% | 2,902 |
| Noninterest income to average assets | 0.7271% | 2,518 |
| Noninterest expense to average assets | 3.3677% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5335% | 4,654 |
| Return on assets (ROA) | 1.0266% | 2,332 |
| Pretax return on assets | 1.4600% | 1,743 |
| Return on Equity (ROE) | 10.9642% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.9186% | 1,520 |
| Net charge-offs to loans | 0.0424% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.4444% | 1,162 |
| Efficiency ratio | 81.6736% | 1,935 |
| Assets per employee ($millions) | 3.3319% | 5,205 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 2,961 |
| Loan loss allowance to noncurrent loans | 32.5282% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 3.1339% | 1,268 |
| Noncurrent loans to loans | 5.0882% | 623 |
| Net loans and leases to total assets | 59.7625% | 3,700 |
| Net loans and leases to deposits | 66.3960% | 4,219 |
| Net loans and leases to core deposits | 69.5805% | 4,311 |
| Total domestic deposits to total assets | 90.0092% | 1,017 |
| Equity capital to assets | 8.9794% | 5,238 |
| Core capital (leverage) ratio | 8.9705% | 5,039 |
| Tier 1 risk-based capital ratio | 12.1582% | 5,708 |
| Total risk-based capital ratio | 13.6444% | 5,523 |
| Memoranda: | ||
| Average total assets | $140,274,000 | 3,944 |
| Average earning assets | $128,248,330 | 3,938 |
| Average equity | $13,133,670 | 4,319 |
| Average total loans | $84,977,000 | 3,853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,875 |
| Cost of funding earning assets | 0.3944% | 5,160 |
| Net interest margin | 3.6690% | 2,993 |
| Noninterest income to average assets | 0.7869% | 2,178 |
| Noninterest expense to average assets | 3.3234% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5948% | 4,245 |
| Return on assets (ROA) | 0.6601% | 4,062 |
| Pretax return on assets | 0.9051% | 3,742 |
| Return on Equity (ROE) | 6.9038% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.9038% | 2,199 |
| Net charge-offs to loans | 0.0905% | 2,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.8947% | 1,427 |
| Efficiency ratio | 80.2925% | 2,284 |
| Assets per employee ($millions) | 3.5253% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 2,936 |
| Loan loss allowance to noncurrent loans | 30.6057% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 3.2967% | 1,327 |
| Noncurrent loans to loans | 5.6077% | 634 |
| Net loans and leases to total assets | 57.0521% | 3,915 |
| Net loans and leases to deposits | 63.6124% | 4,365 |
| Net loans and leases to core deposits | 66.6457% | 4,452 |
| Total domestic deposits to total assets | 89.6871% | 1,238 |
| Equity capital to assets | 9.2017% | 5,250 |
| Core capital (leverage) ratio | 9.3435% | 4,340 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,913 |
| Total risk-based capital ratio | 13.6200% | 5,615 |
| Memoranda: | ||
| Average total assets | $138,775,000 | 4,007 |
| Average earning assets | $126,790,500 | 4,006 |
| Average equity | $13,268,000 | 4,339 |
| Average total loans | $83,933,500 | 3,903 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 3,196 |
| Cost of funding earning assets | 0.5022% | 5,205 |
| Net interest margin | 4.0515% | 2,192 |
| Noninterest income to average assets | 0.8041% | 2,251 |
| Noninterest expense to average assets | 3.4677% | 1,905 |
| Loan and lease loss provision to assets | 0.0192% | 5,665 |
| Net operating income to assets | 0.7023% | 3,730 |
| Return on assets (ROA) | 0.7400% | 3,801 |
| Pretax return on assets | 1.0451% | 3,372 |
| Return on Equity (ROE) | 7.7697% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.7697% | 1,201 |
| Net charge-offs to loans | 0.1009% | 4,658 |
| Credit loss provision to net charge-offs | 30.5882% | 5,105 |
| Earnings coverage of net charge-offs (x) | 16.1412% | 1,600 |
| Efficiency ratio | 77.4231% | 2,527 |
| Assets per employee ($millions) | 3.4106% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 2,796 |
| Loan loss allowance to noncurrent loans | 30.6191% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 3.6275% | 1,235 |
| Noncurrent loans to loans | 5.6750% | 635 |
| Net loans and leases to total assets | 62.0290% | 3,247 |
| Net loans and leases to deposits | 70.1194% | 3,692 |
| Net loans and leases to core deposits | 71.3985% | 4,116 |
| Total domestic deposits to total assets | 88.4619% | 1,919 |
| Equity capital to assets | 9.9510% | 4,238 |
| Core capital (leverage) ratio | 9.1669% | 4,633 |
| Tier 1 risk-based capital ratio | 12.0260% | 5,773 |
| Total risk-based capital ratio | 13.7428% | 5,437 |
| Memoranda: | ||
| Average total assets | $135,680,000 | 4,030 |
| Average earning assets | $123,065,800 | 4,038 |
| Average equity | $12,922,000 | 4,374 |
| Average total loans | $84,236,400 | 3,900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 3,295 |
| Cost of funding earning assets | 0.5165% | 5,335 |
| Net interest margin | 4.0606% | 2,252 |
| Noninterest income to average assets | 0.7500% | 2,487 |
| Noninterest expense to average assets | 3.3913% | 2,023 |
| Loan and lease loss provision to assets | 0.0254% | 5,467 |
| Net operating income to assets | 0.7164% | 3,845 |
| Return on assets (ROA) | 0.7657% | 3,876 |
| Pretax return on assets | 1.0864% | 3,402 |
| Return on Equity (ROE) | 8.1284% | 3,222 |
| Retained earnings to average equity (ytd only) | 8.1284% | 1,563 |
| Net charge-offs to loans | 0.0506% | 4,948 |
| Credit loss provision to net charge-offs | 81.2500% | 3,585 |
| Earnings coverage of net charge-offs (x) | 33.2777% | 1,007 |
| Efficiency ratio | 76.5056% | 2,593 |
| Assets per employee ($millions) | 3.3194% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,756 |
| Loan loss allowance to noncurrent loans | 28.8605% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 3.8009% | 1,293 |
| Noncurrent loans to loans | 6.2826% | 624 |
| Net loans and leases to total assets | 58.7294% | 4,004 |
| Net loans and leases to deposits | 67.0244% | 4,332 |
| Net loans and leases to core deposits | 67.9111% | 4,733 |
| Total domestic deposits to total assets | 87.6239% | 2,276 |
| Equity capital to assets | 9.3979% | 5,338 |
| Core capital (leverage) ratio | 8.8860% | 5,212 |
| Tier 1 risk-based capital ratio | 12.0399% | 5,917 |
| Total risk-based capital ratio | 13.7664% | 5,588 |
| Memoranda: | ||
| Average total assets | $136,347,000 | 4,055 |
| Average earning assets | $123,656,250 | 4,066 |
| Average equity | $12,843,500 | 4,430 |
| Average total loans | $84,304,250 | 3,944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 3,075 |
| Cost of funding earning assets | 0.5315% | 5,423 |
| Net interest margin | 4.1327% | 1,958 |
| Noninterest income to average assets | 0.7035% | 2,646 |
| Noninterest expense to average assets | 3.4007% | 2,034 |
| Loan and lease loss provision to assets | 0.0384% | 5,192 |
| Net operating income to assets | 0.7118% | 3,806 |
| Return on assets (ROA) | 0.7863% | 3,701 |
| Pretax return on assets | 1.1173% | 3,241 |
| Return on Equity (ROE) | 8.3403% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.3403% | 1,501 |
| Net charge-offs to loans | 0.0756% | 4,388 |
| Credit loss provision to net charge-offs | 81.2500% | 3,285 |
| Earnings coverage of net charge-offs (x) | 22.1875% | 1,312 |
| Efficiency ratio | 76.4198% | 2,684 |
| Assets per employee ($millions) | 3.3162% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 2,875 |
| Loan loss allowance to noncurrent loans | 27.9638% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 3.9252% | 1,317 |
| Noncurrent loans to loans | 6.4126% | 661 |
| Net loans and leases to total assets | 59.4540% | 3,921 |
| Net loans and leases to deposits | 67.7302% | 4,245 |
| Net loans and leases to core deposits | 68.7737% | 4,700 |
| Total domestic deposits to total assets | 87.7806% | 2,290 |
| Equity capital to assets | 9.2943% | 5,330 |
| Core capital (leverage) ratio | 8.9080% | 5,032 |
| Tier 1 risk-based capital ratio | 11.9331% | 5,972 |
| Total risk-based capital ratio | 13.6625% | 5,613 |
| Memoranda: | ||
| Average total assets | $135,324,670 | 4,084 |
| Average earning assets | $122,681,330 | 4,110 |
| Average equity | $12,757,330 | 4,444 |
| Average total loans | $84,609,330 | 3,951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 2,432 |
| Cost of funding earning assets | 0.5516% | 5,488 |
| Net interest margin | 4.3009% | 1,460 |
| Noninterest income to average assets | 0.7679% | 2,312 |
| Noninterest expense to average assets | 3.4796% | 1,804 |
| Loan and lease loss provision to assets | 0.0690% | 4,548 |
| Net operating income to assets | 0.7847% | 3,445 |
| Return on assets (ROA) | 0.9359% | 2,971 |
| Pretax return on assets | 1.3409% | 2,387 |
| Return on Equity (ROE) | 9.8551% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.8551% | 1,304 |
| Net charge-offs to loans | 0.1085% | 3,478 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 17.3043% | 1,309 |
| Efficiency ratio | 74.4544% | 3,025 |
| Assets per employee ($millions) | 3.3076% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 3,026 |
| Loan loss allowance to noncurrent loans | 34.7130% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 3.3507% | 1,719 |
| Noncurrent loans to loans | 5.1593% | 1,067 |
| Net loans and leases to total assets | 62.9182% | 3,067 |
| Net loans and leases to deposits | 72.1660% | 3,412 |
| Net loans and leases to core deposits | 73.1824% | 3,994 |
| Total domestic deposits to total assets | 87.1854% | 2,835 |
| Equity capital to assets | 9.6930% | 4,532 |
| Core capital (leverage) ratio | 8.9562% | 4,908 |
| Tier 1 risk-based capital ratio | 11.8484% | 6,053 |
| Total risk-based capital ratio | 13.5784% | 5,696 |
| Memoranda: | ||
| Average total assets | $133,347,500 | 4,159 |
| Average earning assets | $121,092,000 | 4,175 |
| Average equity | $12,663,500 | 4,471 |
| Average total loans | $84,754,500 | 3,984 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 2,919 |
| Cost of funding earning assets | 0.6976% | 5,556 |
| Net interest margin | 4.2934% | 1,718 |
| Noninterest income to average assets | 0.7377% | 2,404 |
| Noninterest expense to average assets | 3.3713% | 2,313 |
| Loan and lease loss provision to assets | 0.4182% | 2,499 |
| Net operating income to assets | 0.6162% | 3,909 |
| Return on assets (ROA) | 0.6755% | 3,798 |
| Pretax return on assets | 0.9344% | 3,492 |
| Return on Equity (ROE) | 7.3539% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.3539% | 1,340 |
| Net charge-offs to loans | 0.3197% | 3,791 |
| Credit loss provision to net charge-offs | 206.9231% | 1,199 |
| Earnings coverage of net charge-offs (x) | 6.2846% | 2,552 |
| Efficiency ratio | 72.6344% | 3,460 |
| Assets per employee ($millions) | 3.3598% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 2,899 |
| Loan loss allowance to noncurrent loans | 45.8888% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.5061% | 2,423 |
| Noncurrent loans to loans | 3.9033% | 1,604 |
| Net loans and leases to total assets | 61.9311% | 3,613 |
| Net loans and leases to deposits | 70.6989% | 3,991 |
| Net loans and leases to core deposits | 71.6915% | 4,568 |
| Total domestic deposits to total assets | 87.5983% | 2,407 |
| Equity capital to assets | 9.3033% | 5,145 |
| Core capital (leverage) ratio | 8.4606% | 5,625 |
| Tier 1 risk-based capital ratio | 11.4435% | 6,197 |
| Total risk-based capital ratio | 13.2395% | 5,817 |
| Memoranda: | ||
| Average total assets | $128,644,800 | 4,201 |
| Average earning assets | $116,970,000 | 4,208 |
| Average equity | $11,816,800 | 4,594 |
| Average total loans | $81,334,200 | 4,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 3,240 |
| Cost of funding earning assets | 0.7241% | 5,633 |
| Net interest margin | 4.2468% | 1,919 |
| Noninterest income to average assets | 0.7725% | 2,187 |
| Noninterest expense to average assets | 3.4599% | 2,051 |
| Loan and lease loss provision to assets | 0.5230% | 1,891 |
| Net operating income to assets | 0.4609% | 4,720 |
| Return on assets (ROA) | 0.5398% | 4,554 |
| Pretax return on assets | 0.7609% | 4,275 |
| Return on Equity (ROE) | 5.8964% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.8964% | 2,617 |
| Net charge-offs to loans | 0.4042% | 3,106 |
| Credit loss provision to net charge-offs | 204.5082% | 1,433 |
| Earnings coverage of net charge-offs (x) | 4.5860% | 3,017 |
| Efficiency ratio | 74.6833% | 3,050 |
| Assets per employee ($millions) | 3.3599% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,877 |
| Loan loss allowance to noncurrent loans | 39.0850% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.8907% | 2,238 |
| Noncurrent loans to loans | 4.6490% | 1,388 |
| Net loans and leases to total assets | 60.1063% | 4,110 |
| Net loans and leases to deposits | 68.3161% | 4,549 |
| Net loans and leases to core deposits | 69.1216% | 5,049 |
| Total domestic deposits to total assets | 87.9826% | 2,041 |
| Equity capital to assets | 9.0545% | 5,684 |
| Core capital (leverage) ratio | 8.3087% | 5,962 |
| Tier 1 risk-based capital ratio | 11.0448% | 6,515 |
| Total risk-based capital ratio | 12.8365% | 6,177 |
| Memoranda: | ||
| Average total assets | $127,207,750 | 4,251 |
| Average earning assets | $115,628,000 | 4,262 |
| Average equity | $11,645,250 | 4,650 |
| Average total loans | $80,480,500 | 4,158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 3,129 |
| Cost of funding earning assets | 0.7529% | 5,651 |
| Net interest margin | 4.2528% | 1,833 |
| Noninterest income to average assets | 0.7403% | 2,322 |
| Noninterest expense to average assets | 3.5990% | 1,746 |
| Loan and lease loss provision to assets | 0.7259% | 1,286 |
| Net operating income to assets | 0.2216% | 5,659 |
| Return on assets (ROA) | 0.3557% | 5,289 |
| Pretax return on assets | 0.4503% | 5,228 |
| Return on Equity (ROE) | 3.8707% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.8707% | 3,735 |
| Net charge-offs to loans | 0.5258% | 2,519 |
| Credit loss provision to net charge-offs | 215.7143% | 1,380 |
| Earnings coverage of net charge-offs (x) | 2.9905% | 3,356 |
| Efficiency ratio | 78.1489% | 2,685 |
| Assets per employee ($millions) | 3.1752% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,888 |
| Loan loss allowance to noncurrent loans | 35.9777% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 3.3140% | 2,006 |
| Noncurrent loans to loans | 5.0905% | 1,278 |
| Net loans and leases to total assets | 62.5874% | 3,775 |
| Net loans and leases to deposits | 70.5846% | 4,357 |
| Net loans and leases to core deposits | 71.4038% | 4,899 |
| Total domestic deposits to total assets | 88.6700% | 1,738 |
| Equity capital to assets | 9.2750% | 5,177 |
| Core capital (leverage) ratio | 8.5232% | 5,516 |
| Tier 1 risk-based capital ratio | 10.9534% | 6,568 |
| Total risk-based capital ratio | 12.6520% | 6,232 |
| Memoranda: | ||
| Average total assets | $124,811,330 | 4,328 |
| Average earning assets | $113,430,000 | 4,350 |
| Average equity | $11,470,670 | 4,694 |
| Average total loans | $79,882,000 | 4,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 3,148 |
| Cost of funding earning assets | 0.7766% | 5,701 |
| Net interest margin | 4.2143% | 1,861 |
| Noninterest income to average assets | 0.7307% | 2,388 |
| Noninterest expense to average assets | 3.6278% | 1,709 |
| Loan and lease loss provision to assets | 1.4647% | 444 |
| Net operating income to assets | -0.2932% | 6,653 |
| Return on assets (ROA) | -0.2684% | 6,642 |
| Pretax return on assets | -0.4979% | 6,747 |
| Return on Equity (ROE) | -2.9339% | 6,661 |
| Retained earnings to average equity (ytd only) | -2.9339% | 6,286 |
| Net charge-offs to loans | 1.2201% | 1,141 |
| Credit loss provision to net charge-offs | 187.1901% | 1,572 |
| Earnings coverage of net charge-offs (x) | 1.1860% | 3,768 |
| Efficiency ratio | 79.6309% | 2,595 |
| Assets per employee ($millions) | 3.0632% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,905 |
| Loan loss allowance to noncurrent loans | 32.8206% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 3.5679% | 1,907 |
| Noncurrent loans to loans | 5.5925% | 1,165 |
| Net loans and leases to total assets | 61.7882% | 3,901 |
| Net loans and leases to deposits | 69.4907% | 4,433 |
| Net loans and leases to core deposits | 70.4996% | 4,976 |
| Total domestic deposits to total assets | 88.9157% | 1,822 |
| Equity capital to assets | 8.9998% | 5,204 |
| Core capital (leverage) ratio | 8.4429% | 5,557 |
| Tier 1 risk-based capital ratio | 10.7157% | 6,682 |
| Total risk-based capital ratio | 12.3965% | 6,366 |
| Memoranda: | ||
| Average total assets | $123,713,000 | 4,379 |
| Average earning assets | $112,285,000 | 4,401 |
| Average equity | $11,316,000 | 4,714 |
| Average total loans | $79,336,000 | 4,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 2,915 |
| Cost of funding earning assets | 0.9661% | 5,861 |
| Net interest margin | 4.3789% | 1,561 |
| Noninterest income to average assets | 1.0438% | 1,372 |
| Noninterest expense to average assets | 3.9538% | 1,233 |
| Loan and lease loss provision to assets | 0.4602% | 3,369 |
| Net operating income to assets | 0.4046% | 4,519 |
| Return on assets (ROA) | 0.0384% | 5,871 |
| Pretax return on assets | -0.0188% | 5,920 |
| Return on Equity (ROE) | 0.4083% | 5,850 |
| Retained earnings to average equity (ytd only) | 0.4083% | 5,373 |
| Net charge-offs to loans | 0.5405% | 3,451 |
| Credit loss provision to net charge-offs | 130.9302% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.8837% | 3,629 |
| Efficiency ratio | 79.5952% | 2,466 |
| Assets per employee ($millions) | 3.0459% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,747 |
| Loan loss allowance to noncurrent loans | 33.4232% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 3.1108% | 2,273 |
| Noncurrent loans to loans | 4.6596% | 1,501 |
| Net loans and leases to total assets | 64.3334% | 3,800 |
| Net loans and leases to deposits | 73.8034% | 4,228 |
| Net loans and leases to core deposits | 76.0395% | 4,709 |
| Total domestic deposits to total assets | 87.1686% | 2,727 |
| Equity capital to assets | 9.2987% | 4,694 |
| Core capital (leverage) ratio | 8.5691% | 5,241 |
| Tier 1 risk-based capital ratio | 10.8700% | 6,431 |
| Total risk-based capital ratio | 12.5592% | 6,073 |
| Memoranda: | ||
| Average total assets | $122,337,000 | 4,439 |
| Average earning assets | $109,617,200 | 4,473 |
| Average equity | $11,511,000 | 4,730 |
| Average total loans | $79,551,200 | 4,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 2,543 |
| Cost of funding earning assets | 0.9900% | 5,983 |
| Net interest margin | 4.4836% | 1,298 |
| Noninterest income to average assets | 1.0430% | 1,329 |
| Noninterest expense to average assets | 4.0131% | 1,028 |
| Loan and lease loss provision to assets | 0.5106% | 2,903 |
| Net operating income to assets | 0.3269% | 5,058 |
| Return on assets (ROA) | 0.1862% | 5,707 |
| Pretax return on assets | 0.3081% | 5,484 |
| Return on Equity (ROE) | 1.9728% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.9728% | 4,965 |
| Net charge-offs to loans | 0.0436% | 6,103 |
| Credit loss provision to net charge-offs | 1,803.8462% | 175 |
| Earnings coverage of net charge-offs (x) | 36.6879% | 745 |
| Efficiency ratio | 79.4397% | 2,429 |
| Assets per employee ($millions) | 2.9567% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,484 |
| Loan loss allowance to noncurrent loans | 55.7955% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 2.2731% | 3,115 |
| Noncurrent loans to loans | 3.4061% | 2,333 |
| Net loans and leases to total assets | 62.9313% | 4,341 |
| Net loans and leases to deposits | 72.4332% | 4,773 |
| Net loans and leases to core deposits | 75.5215% | 5,118 |
| Total domestic deposits to total assets | 86.8819% | 2,591 |
| Equity capital to assets | 9.1964% | 5,316 |
| Core capital (leverage) ratio | 8.4218% | 5,661 |
| Tier 1 risk-based capital ratio | 10.6556% | 6,670 |
| Total risk-based capital ratio | 12.3865% | 6,242 |
| Memoranda: | ||
| Average total assets | $122,462,750 | 4,493 |
| Average earning assets | $109,491,750 | 4,541 |
| Average equity | $11,556,500 | 4,794 |
| Average total loans | $79,534,000 | 4,417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 2,782 |
| Cost of funding earning assets | 1.0398% | 5,965 |
| Net interest margin | 4.4037% | 1,434 |
| Noninterest income to average assets | 1.0488% | 1,224 |
| Noninterest expense to average assets | 3.9287% | 1,139 |
| Loan and lease loss provision to assets | 0.1257% | 5,629 |
| Net operating income to assets | 0.6709% | 3,525 |
| Return on assets (ROA) | 0.6286% | 3,875 |
| Pretax return on assets | 0.8668% | 3,637 |
| Return on Equity (ROE) | 6.6022% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.6022% | 2,021 |
| Net charge-offs to loans | 0.0634% | 5,506 |
| Credit loss provision to net charge-offs | 304.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,040 |
| Efficiency ratio | 78.9037% | 2,588 |
| Assets per employee ($millions) | 2.9413% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,289 |
| Loan loss allowance to noncurrent loans | 38.2937% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 2,721 |
| Noncurrent loans to loans | 3.7360% | 2,082 |
| Net loans and leases to total assets | 66.1600% | 3,795 |
| Net loans and leases to deposits | 76.9094% | 4,172 |
| Net loans and leases to core deposits | 80.0837% | 4,682 |
| Total domestic deposits to total assets | 86.0234% | 3,070 |
| Equity capital to assets | 9.8197% | 4,243 |
| Core capital (leverage) ratio | 8.9218% | 4,722 |
| Tier 1 risk-based capital ratio | 11.0568% | 6,177 |
| Total risk-based capital ratio | 12.6746% | 5,816 |
| Memoranda: | ||
| Average total assets | $120,904,670 | 4,549 |
| Average earning assets | $107,908,330 | 4,611 |
| Average equity | $11,511,330 | 4,800 |
| Average total loans | $78,859,000 | 4,477 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 3,457 |
| Cost of funding earning assets | 1.0489% | 6,139 |
| Net interest margin | 4.2692% | 1,787 |
| Noninterest income to average assets | 0.9450% | 1,466 |
| Noninterest expense to average assets | 3.8295% | 1,279 |
| Loan and lease loss provision to assets | 0.1520% | 5,018 |
| Net operating income to assets | 0.5860% | 3,955 |
| Return on assets (ROA) | 0.6146% | 3,979 |
| Pretax return on assets | 0.8492% | 3,673 |
| Return on Equity (ROE) | 6.5574% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.5574% | 2,345 |
| Net charge-offs to loans | 0.0154% | 5,365 |
| Credit loss provision to net charge-offs | 1,533.3333% | 314 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 334 |
| Efficiency ratio | 79.9310% | 2,574 |
| Assets per employee ($millions) | 3.1125% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 4,207 |
| Loan loss allowance to noncurrent loans | 42.6242% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.3092% | 3,137 |
| Noncurrent loans to loans | 3.3799% | 2,370 |
| Net loans and leases to total assets | 63.1931% | 4,490 |
| Net loans and leases to deposits | 76.0456% | 4,405 |
| Net loans and leases to core deposits | 79.4514% | 4,838 |
| Total domestic deposits to total assets | 83.0989% | 4,572 |
| Equity capital to assets | 9.0987% | 5,137 |
| Core capital (leverage) ratio | 8.9517% | 4,645 |
| Tier 1 risk-based capital ratio | 10.6732% | 6,469 |
| Total risk-based capital ratio | 12.1016% | 6,277 |
| Memoranda: | ||
| Average total assets | $121,060,000 | 4,602 |
| Average earning assets | $109,061,500 | 4,633 |
| Average equity | $11,346,000 | 4,886 |
| Average total loans | $77,817,000 | 4,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7796% | 2,742 |
| Cost of funding earning assets | 1.3577% | 6,104 |
| Net interest margin | 4.4219% | 1,372 |
| Noninterest income to average assets | 1.2770% | 922 |
| Noninterest expense to average assets | 4.1497% | 1,162 |
| Loan and lease loss provision to assets | 0.4217% | 4,298 |
| Net operating income to assets | 0.4788% | 3,818 |
| Return on assets (ROA) | 0.6752% | 3,085 |
| Pretax return on assets | 0.9178% | 2,869 |
| Return on Equity (ROE) | 6.7863% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.7863% | 1,040 |
| Net charge-offs to loans | 0.0806% | 6,303 |
| Credit loss provision to net charge-offs | 834.5455% | 345 |
| Earnings coverage of net charge-offs (x) | 21.2545% | 1,004 |
| Efficiency ratio | 79.4407% | 2,962 |
| Assets per employee ($millions) | 2.8688% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 3,924 |
| Loan loss allowance to noncurrent loans | 56.5373% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 3,647 |
| Noncurrent loans to loans | 2.5828% | 2,977 |
| Net loans and leases to total assets | 63.5110% | 4,704 |
| Net loans and leases to deposits | 73.7635% | 5,083 |
| Net loans and leases to core deposits | 83.9790% | 5,713 |
| Total domestic deposits to total assets | 86.1009% | 2,965 |
| Equity capital to assets | 9.6617% | 4,198 |
| Core capital (leverage) ratio | 9.0169% | 4,388 |
| Tier 1 risk-based capital ratio | 11.2573% | 5,653 |
| Total risk-based capital ratio | 12.8944% | 5,206 |
| Memoranda: | ||
| Average total assets | $108,851,600 | 4,853 |
| Average earning assets | $97,152,000 | 4,917 |
| Average equity | $10,830,600 | 5,068 |
| Average total loans | $68,239,200 | 4,929 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8358% | 2,722 |
| Cost of funding earning assets | 1.4200% | 6,147 |
| Net interest margin | 4.4158% | 1,402 |
| Noninterest income to average assets | 1.3588% | 820 |
| Noninterest expense to average assets | 4.3039% | 910 |
| Loan and lease loss provision to assets | 0.4725% | 3,547 |
| Net operating income to assets | 0.4003% | 4,400 |
| Return on assets (ROA) | 0.5300% | 3,951 |
| Pretax return on assets | 0.6825% | 3,916 |
| Return on Equity (ROE) | 5.2847% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.2847% | 2,321 |
| Net charge-offs to loans | 0.0784% | 5,897 |
| Credit loss provision to net charge-offs | 969.2308% | 386 |
| Earnings coverage of net charge-offs (x) | 20.2815% | 1,246 |
| Efficiency ratio | 81.3179% | 2,676 |
| Assets per employee ($millions) | 2.7103% | 6,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 3,506 |
| Loan loss allowance to noncurrent loans | 44.7402% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.2015% | 3,094 |
| Noncurrent loans to loans | 3.3266% | 2,270 |
| Net loans and leases to total assets | 60.5888% | 5,490 |
| Net loans and leases to deposits | 69.1061% | 6,018 |
| Net loans and leases to core deposits | 79.1712% | 6,408 |
| Total domestic deposits to total assets | 87.6749% | 1,816 |
| Equity capital to assets | 9.8970% | 4,214 |
| Core capital (leverage) ratio | 9.0931% | 4,504 |
| Tier 1 risk-based capital ratio | 11.4867% | 5,440 |
| Total risk-based capital ratio | 13.0619% | 5,086 |
| Memoranda: | ||
| Average total assets | $106,659,750 | 4,942 |
| Average earning assets | $95,020,750 | 5,007 |
| Average equity | $10,697,250 | 5,145 |
| Average total loans | $66,347,000 | 5,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8792% | 2,679 |
| Cost of funding earning assets | 1.5065% | 6,114 |
| Net interest margin | 4.3727% | 1,465 |
| Noninterest income to average assets | 1.2813% | 928 |
| Noninterest expense to average assets | 4.3944% | 860 |
| Loan and lease loss provision to assets | 0.1343% | 5,740 |
| Net operating income to assets | 0.4953% | 4,106 |
| Return on assets (ROA) | 0.4968% | 4,225 |
| Pretax return on assets | 0.6407% | 4,192 |
| Return on Equity (ROE) | 4.9297% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.9297% | 2,552 |
| Net charge-offs to loans | 0.0798% | 5,409 |
| Credit loss provision to net charge-offs | 269.2308% | 1,733 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,592 |
| Efficiency ratio | 85.0408% | 2,352 |
| Assets per employee ($millions) | 2.6787% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,406 |
| Loan loss allowance to noncurrent loans | 25.3736% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 2.9128% | 2,190 |
| Noncurrent loans to loans | 4.4411% | 1,455 |
| Net loans and leases to total assets | 61.1711% | 5,490 |
| Net loans and leases to deposits | 70.3145% | 5,956 |
| Net loans and leases to core deposits | 81.5323% | 6,277 |
| Total domestic deposits to total assets | 86.9964% | 2,261 |
| Equity capital to assets | 10.4128% | 3,505 |
| Core capital (leverage) ratio | 9.6112% | 3,749 |
| Tier 1 risk-based capital ratio | 11.9689% | 4,950 |
| Total risk-based capital ratio | 13.2826% | 4,815 |
| Memoranda: | ||
| Average total assets | $104,268,670 | 5,040 |
| Average earning assets | $92,666,330 | 5,103 |
| Average equity | $10,507,670 | 5,211 |
| Average total loans | $65,125,330 | 5,136 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 2,516 |
| Cost of funding earning assets | 1.5624% | 6,190 |
| Net interest margin | 4.3991% | 1,343 |
| Noninterest income to average assets | 1.1203% | 1,182 |
| Noninterest expense to average assets | 4.3217% | 836 |
| Loan and lease loss provision to assets | 0.0856% | 5,861 |
| Net operating income to assets | 0.5135% | 4,359 |
| Return on assets (ROA) | 0.5135% | 4,551 |
| Pretax return on assets | 0.6341% | 4,642 |
| Return on Equity (ROE) | 5.1851% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.1851% | 3,021 |
| Net charge-offs to loans | -0.0434% | 7,658 |
| Credit loss provision to net charge-offs | -314.2857% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7253% | 2,106 |
| Assets per employee ($millions) | 2.6032% | 7,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,400 |
| Loan loss allowance to noncurrent loans | 23.6281% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 3.0827% | 1,833 |
| Noncurrent loans to loans | 4.6945% | 1,193 |
| Net loans and leases to total assets | 62.6723% | 5,212 |
| Net loans and leases to deposits | 71.5680% | 5,801 |
| Net loans and leases to core deposits | 84.5972% | 6,016 |
| Total domestic deposits to total assets | 87.5702% | 1,938 |
| Equity capital to assets | 9.9069% | 4,108 |
| Core capital (leverage) ratio | 9.7214% | 3,723 |
| Tier 1 risk-based capital ratio | 12.0086% | 4,957 |
| Total risk-based capital ratio | 12.9031% | 5,167 |
| Memoranda: | ||
| Average total assets | $102,829,500 | 5,102 |
| Average earning assets | $91,655,500 | 5,162 |
| Average equity | $10,183,000 | 5,328 |
| Average total loans | $64,543,000 | 5,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3849% | 3,498 |
| Cost of funding earning assets | 1.8369% | 6,908 |
| Net interest margin | 4.5480% | 1,315 |
| Noninterest income to average assets | 1.0740% | 1,367 |
| Noninterest expense to average assets | 4.1975% | 1,150 |
| Loan and lease loss provision to assets | 0.2164% | 4,720 |
| Net operating income to assets | 0.5840% | 4,372 |
| Return on assets (ROA) | -0.0976% | 6,346 |
| Pretax return on assets | -0.3624% | 6,512 |
| Return on Equity (ROE) | -0.9554% | 6,357 |
| Retained earnings to average equity (ytd only) | -1.8911% | 5,838 |
| Net charge-offs to loans | 0.7205% | 1,714 |
| Credit loss provision to net charge-offs | 49.6536% | 6,353 |
| Earnings coverage of net charge-offs (x) | 2.1085% | 5,016 |
| Efficiency ratio | 82.0382% | 2,300 |
| Assets per employee ($millions) | 2.6718% | 6,844 |
| Cash dividends to net income (ytd only)* | -97.9381% | 8,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,167 |
| Loan loss allowance to noncurrent loans | 23.2781% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 3.0848% | 1,488 |
| Noncurrent loans to loans | 4.7865% | 957 |
| Net loans and leases to total assets | 61.4508% | 5,704 |
| Net loans and leases to deposits | 69.0502% | 6,374 |
| Net loans and leases to core deposits | 86.3460% | 6,111 |
| Total domestic deposits to total assets | 88.9944% | 1,043 |
| Equity capital to assets | 9.8986% | 4,159 |
| Core capital (leverage) ratio | 9.3989% | 4,159 |
| Tier 1 risk-based capital ratio | 12.2748% | 4,607 |
| Total risk-based capital ratio | 13.1647% | 4,789 |
| Memoranda: | ||
| Average total assets | $99,343,800 | 5,073 |
| Average earning assets | $88,302,200 | 5,136 |
| Average equity | $10,153,000 | 5,361 |
| Average total loans | $60,095,800 | 5,260 |