Home > The First National Bank of Izard County > Performance and Condition Ratios
The First National Bank of Izard County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 1,649 |
| Cost of funding earning assets | 0.6151% | 4,046 |
| Net interest margin | 4.5902% | 538 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.8442% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6880% | 748 |
| Return on assets (ROA) | 1.6880% | 717 |
| Pretax return on assets | 2.0161% | 654 |
| Return on Equity (ROE) | 5.7700% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.7669% | 2,335 |
| Net charge-offs to loans | -0.0143% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5191% | 3,245 |
| Assets per employee ($millions) | 5.5527% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,072 |
| Loan loss allowance to noncurrent loans | 39.0139% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 255 |
| Noncurrent loans to loans | 3.1759% | 133 |
| Net loans and leases to total assets | 45.7400% | 3,823 |
| Net loans and leases to deposits | 66.2764% | 3,155 |
| Net loans and leases to core deposits | 70.9698% | 3,246 |
| Total domestic deposits to total assets | 69.0100% | 4,322 |
| Equity capital to assets | 29.8111% | 157 |
| Core capital (leverage) ratio | 31.3739% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $201,179,400 | 2,984 |
| Average earning assets | $176,244,800 | 3,042 |
| Average equity | $58,888,200 | 1,411 |
| Average total loans | $91,154,400 | 3,275 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 1,541 |
| Cost of funding earning assets | 0.4192% | 4,134 |
| Net interest margin | 4.5930% | 535 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 2.3161% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2761% | 316 |
| Return on assets (ROA) | 2.2761% | 308 |
| Pretax return on assets | 2.5763% | 323 |
| Return on Equity (ROE) | 7.8400% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.8425% | 2,019 |
| Net charge-offs to loans | -0.0451% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.3415% | 4,103 |
| Assets per employee ($millions) | 4.7405% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 1,971 |
| Loan loss allowance to noncurrent loans | 53.7625% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 340 |
| Noncurrent loans to loans | 2.3992% | 198 |
| Net loans and leases to total assets | 45.5900% | 3,815 |
| Net loans and leases to deposits | 65.8992% | 3,062 |
| Net loans and leases to core deposits | 69.4582% | 3,163 |
| Total domestic deposits to total assets | 69.1700% | 4,379 |
| Equity capital to assets | 29.6443% | 158 |
| Core capital (leverage) ratio | 31.7711% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $199,902,667 | 3,005 |
| Average earning assets | $175,092,667 | 3,065 |
| Average equity | $58,017,000 | 1,424 |
| Average total loans | $88,607,333 | 3,312 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 1,576 |
| Cost of funding earning assets | 0.3555% | 4,060 |
| Net interest margin | 4.4669% | 613 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 2.3065% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4083% | 274 |
| Return on assets (ROA) | 2.4083% | 272 |
| Pretax return on assets | 2.7079% | 282 |
| Return on Equity (ROE) | 8.3900% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.3875% | 2,120 |
| Net charge-offs to loans | -0.1058% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9976% | 4,216 |
| Assets per employee ($millions) | 4.7441% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,807 |
| Loan loss allowance to noncurrent loans | 47.9629% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 267 |
| Noncurrent loans to loans | 2.8195% | 162 |
| Net loans and leases to total assets | 43.5300% | 3,887 |
| Net loans and leases to deposits | 62.6279% | 3,190 |
| Net loans and leases to core deposits | 65.9805% | 3,228 |
| Total domestic deposits to total assets | 69.5100% | 4,430 |
| Equity capital to assets | 29.3715% | 122 |
| Core capital (leverage) ratio | 31.1506% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $200,303,500 | 3,039 |
| Average earning assets | $175,515,000 | 3,096 |
| Average equity | $57,514,500 | 1,443 |
| Average total loans | $86,937,500 | 3,369 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 834 |
| Cost of funding earning assets | 0.1858% | 3,865 |
| Net interest margin | 4.2437% | 476 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.6161% | 1,787 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2937% | 1,457 |
| Return on assets (ROA) | 1.2990% | 1,394 |
| Pretax return on assets | 1.5427% | 1,315 |
| Return on Equity (ROE) | 4.5800% | 4,079 |
| Retained earnings to average equity (ytd only) | 1.8242% | 4,016 |
| Net charge-offs to loans | 0.0489% | 1,186 |
| Credit loss provision to net charge-offs | 320.5128% | 883 |
| Earnings coverage of net charge-offs (x) | 84.0513% | 1,066 |
| Efficiency ratio | 62.0909% | 2,752 |
| Assets per employee ($millions) | 5.1630% | 3,542 |
| Cash dividends to net income (ytd only)* | 60.1650% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,659 |
| Loan loss allowance to noncurrent loans | 45.4581% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.3588% | 253 |
| Noncurrent loans to loans | 2.9842% | 143 |
| Net loans and leases to total assets | 42.1100% | 3,972 |
| Net loans and leases to deposits | 59.3752% | 3,371 |
| Net loans and leases to core deposits | 62.8044% | 3,343 |
| Total domestic deposits to total assets | 70.9200% | 4,450 |
| Equity capital to assets | 28.0627% | 126 |
| Core capital (leverage) ratio | 29.5063% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $205,229,800 | 3,009 |
| Average earning assets | $167,965,000 | 3,178 |
| Average equity | $58,216,000 | 1,435 |
| Average total loans | $79,673,400 | 3,421 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 727 |
| Cost of funding earning assets | 0.1810% | 3,507 |
| Net interest margin | 4.1243% | 488 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.1901% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5461% | 751 |
| Return on assets (ROA) | 1.5532% | 717 |
| Pretax return on assets | 1.8441% | 665 |
| Return on Equity (ROE) | 5.4600% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.0879% | 3,410 |
| Net charge-offs to loans | 0.0290% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 702 |
| Efficiency ratio | 54.4009% | 3,789 |
| Assets per employee ($millions) | 5.1879% | 3,515 |
| Cash dividends to net income (ytd only)* | 25.1457% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,981 |
| Loan loss allowance to noncurrent loans | 44.4770% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 322 |
| Noncurrent loans to loans | 2.9489% | 162 |
| Net loans and leases to total assets | 38.5400% | 4,124 |
| Net loans and leases to deposits | 53.9812% | 3,604 |
| Net loans and leases to core deposits | 57.4518% | 3,532 |
| Total domestic deposits to total assets | 71.4000% | 4,517 |
| Equity capital to assets | 27.3818% | 121 |
| Core capital (leverage) ratio | 29.6017% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $206,198,250 | 3,025 |
| Average earning assets | $165,747,000 | 3,220 |
| Average equity | $58,643,500 | 1,444 |
| Average total loans | $78,103,750 | 3,451 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 600 |
| Cost of funding earning assets | 0.1787% | 3,200 |
| Net interest margin | 4.0462% | 449 |
| Noninterest income to average assets | 0.6940% | 1,364 |
| Noninterest expense to average assets | 2.2103% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3863% | 936 |
| Return on assets (ROA) | 1.3968% | 891 |
| Pretax return on assets | 1.6884% | 774 |
| Return on Equity (ROE) | 4.8506% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.8506% | 2,766 |
| Net charge-offs to loans | 0.0337% | 1,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 132.6154% | 698 |
| Efficiency ratio | 56.8784% | 3,694 |
| Assets per employee ($millions) | 4.8918% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 1,958 |
| Loan loss allowance to noncurrent loans | 37.4780% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 255 |
| Noncurrent loans to loans | 3.6009% | 113 |
| Net loans and leases to total assets | 37.0799% | 4,204 |
| Net loans and leases to deposits | 51.8573% | 3,698 |
| Net loans and leases to core deposits | 55.3807% | 3,621 |
| Total domestic deposits to total assets | 71.5036% | 4,592 |
| Equity capital to assets | 27.3316% | 77 |
| Core capital (leverage) ratio | 29.3359% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,759,667 | 3,060 |
| Average earning assets | $162,324,667 | 3,297 |
| Average equity | $59,251,000 | 1,451 |
| Average total loans | $77,122,333 | 3,501 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 338 |
| Cost of funding earning assets | 0.1847% | 3,018 |
| Net interest margin | 4.2802% | 248 |
| Noninterest income to average assets | 0.5957% | 1,709 |
| Noninterest expense to average assets | 2.2254% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4513% | 712 |
| Return on assets (ROA) | 1.4725% | 667 |
| Pretax return on assets | 1.7674% | 586 |
| Return on Equity (ROE) | 4.9825% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.9825% | 2,602 |
| Net charge-offs to loans | 0.0210% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 221.5000% | 403 |
| Efficiency ratio | 56.0951% | 3,869 |
| Assets per employee ($millions) | 4.8630% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,848 |
| Loan loss allowance to noncurrent loans | 44.5364% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 344 |
| Noncurrent loans to loans | 3.1788% | 157 |
| Net loans and leases to total assets | 36.6843% | 4,168 |
| Net loans and leases to deposits | 52.4167% | 3,538 |
| Net loans and leases to core deposits | 56.6590% | 3,401 |
| Total domestic deposits to total assets | 69.9860% | 4,659 |
| Equity capital to assets | 28.9119% | 66 |
| Core capital (leverage) ratio | 30.2299% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,466,500 | 3,082 |
| Average earning assets | $160,271,500 | 3,324 |
| Average equity | $60,131,000 | 1,481 |
| Average total loans | $76,152,000 | 3,523 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 1,644 |
| Cost of funding earning assets | 0.2164% | 3,298 |
| Net interest margin | 3.6725% | 1,278 |
| Noninterest income to average assets | 0.8944% | 1,217 |
| Noninterest expense to average assets | 2.5148% | 2,139 |
| Loan and lease loss provision to assets | 0.2045% | 511 |
| Net operating income to assets | 0.7558% | 3,469 |
| Return on assets (ROA) | 0.7578% | 3,528 |
| Pretax return on assets | 1.0928% | 2,998 |
| Return on Equity (ROE) | 2.4212% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.0128% | 3,978 |
| Net charge-offs to loans | 0.0120% | 2,114 |
| Credit loss provision to net charge-offs | 4,444.4444% | 161 |
| Earnings coverage of net charge-offs (x) | 281.3333% | 430 |
| Efficiency ratio | 66.0134% | 2,258 |
| Assets per employee ($millions) | 4.9435% | 3,785 |
| Cash dividends to net income (ytd only)* | 16.8691% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,860 |
| Loan loss allowance to noncurrent loans | 49.0241% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1969% | 413 |
| Noncurrent loans to loans | 2.8872% | 206 |
| Net loans and leases to total assets | 37.1123% | 4,241 |
| Net loans and leases to deposits | 53.9764% | 3,601 |
| Net loans and leases to core deposits | 58.4627% | 3,436 |
| Total domestic deposits to total assets | 68.7564% | 4,703 |
| Equity capital to assets | 30.1996% | 61 |
| Core capital (leverage) ratio | 30.2818% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,559,600 | 3,093 |
| Average earning assets | $155,234,600 | 3,324 |
| Average equity | $61,209,400 | 1,492 |
| Average total loans | $74,828,000 | 3,567 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 1,687 |
| Cost of funding earning assets | 0.2268% | 3,357 |
| Net interest margin | 3.7002% | 1,330 |
| Noninterest income to average assets | 0.9041% | 1,246 |
| Noninterest expense to average assets | 2.1653% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4056% | 1,521 |
| Return on assets (ROA) | 1.4084% | 1,571 |
| Pretax return on assets | 1.6837% | 1,446 |
| Return on Equity (ROE) | 4.4589% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,604 |
| Net charge-offs to loans | 0.0215% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 203.5000% | 549 |
| Efficiency ratio | 56.3070% | 3,494 |
| Assets per employee ($millions) | 5.1602% | 3,546 |
| Cash dividends to net income (ytd only)* | 12.2130% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,159 |
| Loan loss allowance to noncurrent loans | 38.4659% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 606 |
| Noncurrent loans to loans | 2.3344% | 343 |
| Net loans and leases to total assets | 37.1277% | 4,333 |
| Net loans and leases to deposits | 54.6444% | 3,683 |
| Net loans and leases to core deposits | 59.0521% | 3,543 |
| Total domestic deposits to total assets | 67.9442% | 4,777 |
| Equity capital to assets | 30.8702% | 62 |
| Core capital (leverage) ratio | 31.0220% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,778,250 | 3,146 |
| Average earning assets | $154,041,500 | 3,364 |
| Average equity | $61,209,250 | 1,513 |
| Average total loans | $74,459,750 | 3,619 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 1,785 |
| Cost of funding earning assets | 0.2358% | 3,425 |
| Net interest margin | 3.6746% | 1,408 |
| Noninterest income to average assets | 0.8103% | 1,511 |
| Noninterest expense to average assets | 2.0461% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4363% | 1,462 |
| Return on assets (ROA) | 1.4408% | 1,513 |
| Pretax return on assets | 1.7021% | 1,475 |
| Return on Equity (ROE) | 4.5252% | 4,228 |
| Retained earnings to average equity (ytd only) | 4.5252% | 3,353 |
| Net charge-offs to loans | -0.0054% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6648% | 3,723 |
| Assets per employee ($millions) | 4.6275% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,132 |
| Loan loss allowance to noncurrent loans | 35.8961% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 465 |
| Noncurrent loans to loans | 2.5334% | 322 |
| Net loans and leases to total assets | 37.8387% | 4,388 |
| Net loans and leases to deposits | 55.7482% | 3,729 |
| Net loans and leases to core deposits | 60.2855% | 3,602 |
| Total domestic deposits to total assets | 67.8743% | 4,793 |
| Equity capital to assets | 30.9553% | 61 |
| Core capital (leverage) ratio | 31.1077% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,289,000 | 3,168 |
| Average earning assets | $152,671,000 | 3,387 |
| Average equity | $60,904,000 | 1,507 |
| Average total loans | $74,148,000 | 3,648 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 1,905 |
| Cost of funding earning assets | 0.2388% | 3,574 |
| Net interest margin | 3.6325% | 1,496 |
| Noninterest income to average assets | 0.6594% | 1,995 |
| Noninterest expense to average assets | 1.9441% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4245% | 1,513 |
| Return on assets (ROA) | 1.4319% | 1,564 |
| Pretax return on assets | 1.6453% | 1,613 |
| Return on Equity (ROE) | 4.4321% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.4321% | 3,382 |
| Net charge-offs to loans | -0.0218% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2908% | 3,751 |
| Assets per employee ($millions) | 4.6986% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,056 |
| Loan loss allowance to noncurrent loans | 36.9600% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 515 |
| Noncurrent loans to loans | 2.5380% | 361 |
| Net loans and leases to total assets | 37.9894% | 4,421 |
| Net loans and leases to deposits | 56.3760% | 3,766 |
| Net loans and leases to core deposits | 61.3949% | 3,618 |
| Total domestic deposits to total assets | 67.3858% | 4,817 |
| Equity capital to assets | 31.4348% | 58 |
| Core capital (leverage) ratio | 32.7929% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,441,500 | 3,184 |
| Average earning assets | $150,751,000 | 3,409 |
| Average equity | $60,558,000 | 1,506 |
| Average total loans | $73,230,000 | 3,680 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 1,869 |
| Cost of funding earning assets | 0.4078% | 3,532 |
| Net interest margin | 3.8930% | 1,234 |
| Noninterest income to average assets | 0.5826% | 2,290 |
| Noninterest expense to average assets | 2.6244% | 2,468 |
| Loan and lease loss provision to assets | 0.1135% | 2,928 |
| Net operating income to assets | 0.7921% | 3,126 |
| Return on assets (ROA) | 0.8504% | 3,034 |
| Pretax return on assets | 1.1142% | 2,634 |
| Return on Equity (ROE) | 2.4999% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.4999% | 3,604 |
| Net charge-offs to loans | 0.0186% | 2,707 |
| Credit loss provision to net charge-offs | 1,428.5714% | 583 |
| Earnings coverage of net charge-offs (x) | 145.2857% | 596 |
| Efficiency ratio | 69.4595% | 2,026 |
| Assets per employee ($millions) | 4.2381% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 4,045 |
| Loan loss allowance to noncurrent loans | 41.0608% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 608 |
| Noncurrent loans to loans | 2.3118% | 456 |
| Net loans and leases to total assets | 39.4502% | 4,461 |
| Net loans and leases to deposits | 60.1991% | 3,743 |
| Net loans and leases to core deposits | 65.3077% | 3,600 |
| Total domestic deposits to total assets | 65.5328% | 4,852 |
| Equity capital to assets | 33.2304% | 52 |
| Core capital (leverage) ratio | 33.4792% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,267,600 | 3,138 |
| Average earning assets | $144,695,800 | 3,327 |
| Average equity | $59,961,600 | 1,446 |
| Average total loans | $75,250,800 | 3,641 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,908 |
| Cost of funding earning assets | 0.4482% | 3,534 |
| Net interest margin | 3.9278% | 1,285 |
| Noninterest income to average assets | 0.5722% | 2,295 |
| Noninterest expense to average assets | 2.2680% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2237% | 1,570 |
| Return on assets (ROA) | 1.3015% | 1,448 |
| Pretax return on assets | 1.6447% | 1,079 |
| Return on Equity (ROE) | 3.8029% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.8029% | 3,138 |
| Net charge-offs to loans | 0.0018% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2,027.0000% | 51 |
| Efficiency ratio | 59.4600% | 3,459 |
| Assets per employee ($millions) | 4.2556% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 4,636 |
| Loan loss allowance to noncurrent loans | 40.8130% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 1,084 |
| Noncurrent loans to loans | 1.6240% | 865 |
| Net loans and leases to total assets | 42.0930% | 4,493 |
| Net loans and leases to deposits | 65.1645% | 3,681 |
| Net loans and leases to core deposits | 70.6021% | 3,584 |
| Total domestic deposits to total assets | 64.5951% | 4,877 |
| Equity capital to assets | 33.9738% | 49 |
| Core capital (leverage) ratio | 33.4621% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,774,500 | 3,136 |
| Average earning assets | $144,266,500 | 3,319 |
| Average equity | $59,812,250 | 1,437 |
| Average total loans | $75,917,750 | 3,641 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 2,031 |
| Cost of funding earning assets | 0.4992% | 3,536 |
| Net interest margin | 3.9615% | 1,419 |
| Noninterest income to average assets | 0.5661% | 2,273 |
| Noninterest expense to average assets | 2.2934% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2314% | 1,542 |
| Return on assets (ROA) | 1.3398% | 1,345 |
| Pretax return on assets | 1.6857% | 1,031 |
| Return on Equity (ROE) | 3.9053% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.9053% | 2,953 |
| Net charge-offs to loans | 0.0026% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,343.0000% | 61 |
| Efficiency ratio | 59.6939% | 3,451 |
| Assets per employee ($millions) | 4.5242% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 4,649 |
| Loan loss allowance to noncurrent loans | 42.2559% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 1,231 |
| Noncurrent loans to loans | 1.5651% | 955 |
| Net loans and leases to total assets | 41.6686% | 4,539 |
| Net loans and leases to deposits | 63.7909% | 3,898 |
| Net loans and leases to core deposits | 69.2542% | 3,755 |
| Total domestic deposits to total assets | 65.3206% | 4,896 |
| Equity capital to assets | 33.2355% | 51 |
| Core capital (leverage) ratio | 33.6179% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,454,333 | 3,132 |
| Average earning assets | $143,429,667 | 3,303 |
| Average equity | $59,508,667 | 1,432 |
| Average total loans | $75,978,000 | 3,647 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,751 |
| Cost of funding earning assets | 0.5400% | 3,743 |
| Net interest margin | 4.1465% | 1,035 |
| Noninterest income to average assets | 0.6105% | 1,996 |
| Noninterest expense to average assets | 2.3477% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3698% | 1,059 |
| Return on assets (ROA) | 1.4614% | 927 |
| Pretax return on assets | 1.8150% | 673 |
| Return on Equity (ROE) | 4.1899% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.1899% | 2,605 |
| Net charge-offs to loans | 0.0053% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 85 |
| Efficiency ratio | 57.9744% | 4,005 |
| Assets per employee ($millions) | 4.3824% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 4,676 |
| Loan loss allowance to noncurrent loans | 41.2490% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 1,241 |
| Noncurrent loans to loans | 1.5970% | 979 |
| Net loans and leases to total assets | 44.2936% | 4,495 |
| Net loans and leases to deposits | 69.5704% | 3,626 |
| Net loans and leases to core deposits | 76.0261% | 3,489 |
| Total domestic deposits to total assets | 63.6673% | 4,994 |
| Equity capital to assets | 34.8279% | 56 |
| Core capital (leverage) ratio | 34.9114% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,698,500 | 3,142 |
| Average earning assets | $140,746,000 | 3,301 |
| Average equity | $59,190,500 | 1,432 |
| Average total loans | $76,013,000 | 3,644 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 2,186 |
| Cost of funding earning assets | 0.5054% | 4,071 |
| Net interest margin | 4.2476% | 1,214 |
| Noninterest income to average assets | 0.6804% | 1,882 |
| Noninterest expense to average assets | 2.6956% | 2,895 |
| Loan and lease loss provision to assets | 0.0751% | 2,493 |
| Net operating income to assets | 1.2540% | 1,858 |
| Return on assets (ROA) | 1.2772% | 1,858 |
| Pretax return on assets | 1.5204% | 1,743 |
| Return on Equity (ROE) | 3.7038% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.7038% | 3,143 |
| Net charge-offs to loans | 0.0401% | 2,582 |
| Credit loss provision to net charge-offs | 416.6667% | 686 |
| Earnings coverage of net charge-offs (x) | 87.0333% | 750 |
| Efficiency ratio | 63.2254% | 3,190 |
| Assets per employee ($millions) | 4.2121% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6634% | 4,629 |
| Loan loss allowance to noncurrent loans | 47.9048% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9692% | 1,295 |
| Noncurrent loans to loans | 1.3848% | 1,063 |
| Net loans and leases to total assets | 44.7031% | 4,570 |
| Net loans and leases to deposits | 70.2240% | 3,650 |
| Net loans and leases to core deposits | 76.8339% | 3,526 |
| Total domestic deposits to total assets | 63.6579% | 5,055 |
| Equity capital to assets | 34.9325% | 58 |
| Core capital (leverage) ratio | 35.0019% | 60 |
| Tier 1 risk-based capital ratio | 66.8833% | 73 |
| Total risk-based capital ratio | 67.4550% | 76 |
| Memoranda: | ||
| Average total assets | $166,530,200 | 3,139 |
| Average earning assets | $140,480,200 | 3,270 |
| Average equity | $57,426,800 | 1,415 |
| Average total loans | $74,756,200 | 3,685 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 2,268 |
| Cost of funding earning assets | 0.4938% | 4,166 |
| Net interest margin | 4.2561% | 1,258 |
| Noninterest income to average assets | 0.6536% | 1,971 |
| Noninterest expense to average assets | 2.2877% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5618% | 1,021 |
| Return on assets (ROA) | 1.5843% | 1,017 |
| Pretax return on assets | 1.9858% | 712 |
| Return on Equity (ROE) | 4.6095% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.6095% | 3,099 |
| Net charge-offs to loans | 0.0376% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 116.0925% | 671 |
| Efficiency ratio | 53.8869% | 4,411 |
| Assets per employee ($millions) | 4.0287% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 4,954 |
| Loan loss allowance to noncurrent loans | 40.6086% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9590% | 1,406 |
| Noncurrent loans to loans | 1.2660% | 1,233 |
| Net loans and leases to total assets | 45.3410% | 4,639 |
| Net loans and leases to deposits | 72.0704% | 3,610 |
| Net loans and leases to core deposits | 79.0909% | 3,461 |
| Total domestic deposits to total assets | 62.9121% | 5,144 |
| Equity capital to assets | 35.5199% | 56 |
| Core capital (leverage) ratio | 35.1998% | 59 |
| Tier 1 risk-based capital ratio | 67.0746% | 76 |
| Total risk-based capital ratio | 67.5168% | 77 |
| Memoranda: | ||
| Average total assets | $166,041,500 | 3,176 |
| Average earning assets | $140,123,750 | 3,308 |
| Average equity | $57,069,500 | 1,420 |
| Average total loans | $74,490,000 | 3,733 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 2,376 |
| Cost of funding earning assets | 0.4812% | 4,200 |
| Net interest margin | 4.2128% | 1,333 |
| Noninterest income to average assets | 0.6469% | 1,935 |
| Noninterest expense to average assets | 2.2690% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4850% | 1,187 |
| Return on assets (ROA) | 1.4850% | 1,237 |
| Pretax return on assets | 1.9359% | 773 |
| Return on Equity (ROE) | 4.3689% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.3689% | 3,082 |
| Net charge-offs to loans | 0.0404% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 662 |
| Efficiency ratio | 53.9605% | 4,476 |
| Assets per employee ($millions) | 4.0024% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5266% | 4,982 |
| Loan loss allowance to noncurrent loans | 33.9378% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 1,285 |
| Noncurrent loans to loans | 1.5516% | 987 |
| Net loans and leases to total assets | 44.1656% | 4,719 |
| Net loans and leases to deposits | 68.9828% | 3,908 |
| Net loans and leases to core deposits | 74.9488% | 3,822 |
| Total domestic deposits to total assets | 64.0242% | 5,168 |
| Equity capital to assets | 34.3922% | 59 |
| Core capital (leverage) ratio | 34.5209% | 58 |
| Tier 1 risk-based capital ratio | 66.2624% | 78 |
| Total risk-based capital ratio | 66.7116% | 78 |
| Memoranda: | ||
| Average total assets | $166,330,330 | 3,187 |
| Average earning assets | $140,476,000 | 3,323 |
| Average equity | $56,536,000 | 1,419 |
| Average total loans | $74,227,000 | 3,762 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 2,426 |
| Cost of funding earning assets | 0.4702% | 4,203 |
| Net interest margin | 4.1660% | 1,387 |
| Noninterest income to average assets | 0.6262% | 1,934 |
| Noninterest expense to average assets | 2.2654% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2693% | 1,817 |
| Return on assets (ROA) | 1.2693% | 1,864 |
| Pretax return on assets | 1.8737% | 843 |
| Return on Equity (ROE) | 3.7569% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.7569% | 3,420 |
| Net charge-offs to loans | 0.0378% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 110.7143% | 624 |
| Efficiency ratio | 54.7313% | 4,463 |
| Assets per employee ($millions) | 4.1763% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5401% | 5,034 |
| Loan loss allowance to noncurrent loans | 48.4885% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 1,621 |
| Noncurrent loans to loans | 1.1138% | 1,503 |
| Net loans and leases to total assets | 44.2087% | 4,741 |
| Net loans and leases to deposits | 68.3856% | 3,896 |
| Net loans and leases to core deposits | 75.2215% | 3,715 |
| Total domestic deposits to total assets | 64.6461% | 5,227 |
| Equity capital to assets | 33.7963% | 59 |
| Core capital (leverage) ratio | 34.2797% | 57 |
| Tier 1 risk-based capital ratio | 65.3984% | 76 |
| Total risk-based capital ratio | 65.8564% | 76 |
| Memoranda: | ||
| Average total assets | $165,446,000 | 3,230 |
| Average earning assets | $139,509,500 | 3,373 |
| Average equity | $55,897,500 | 1,429 |
| Average total loans | $74,023,000 | 3,801 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,975 |
| Cost of funding earning assets | 0.3059% | 4,548 |
| Net interest margin | 4.3490% | 1,041 |
| Noninterest income to average assets | 0.7025% | 1,846 |
| Noninterest expense to average assets | 2.8463% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2131% | 2,114 |
| Return on assets (ROA) | 1.2131% | 2,109 |
| Pretax return on assets | 1.5206% | 1,710 |
| Return on Equity (ROE) | 3.5338% | 4,812 |
| Retained earnings to average equity (ytd only) | 0.8458% | 4,761 |
| Net charge-offs to loans | 0.0194% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 176.5714% | 494 |
| Efficiency ratio | 65.1782% | 3,002 |
| Assets per employee ($millions) | 3.9961% | 3,898 |
| Cash dividends to net income (ytd only)* | 76.0649% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 5,058 |
| Loan loss allowance to noncurrent loans | 48.2840% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 1,543 |
| Noncurrent loans to loans | 1.1451% | 1,402 |
| Net loans and leases to total assets | 44.7910% | 4,788 |
| Net loans and leases to deposits | 69.0698% | 3,898 |
| Net loans and leases to core deposits | 76.0950% | 3,714 |
| Total domestic deposits to total assets | 64.8488% | 5,265 |
| Equity capital to assets | 33.7754% | 59 |
| Core capital (leverage) ratio | 34.3406% | 57 |
| Tier 1 risk-based capital ratio | 65.4582% | 76 |
| Total risk-based capital ratio | 65.9289% | 77 |
| Memoranda: | ||
| Average total assets | $162,563,400 | 3,245 |
| Average earning assets | $136,974,400 | 3,402 |
| Average equity | $55,804,400 | 1,402 |
| Average total loans | $72,198,400 | 3,826 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 1,806 |
| Cost of funding earning assets | 0.2682% | 4,685 |
| Net interest margin | 4.3889% | 923 |
| Noninterest income to average assets | 0.7108% | 1,829 |
| Noninterest expense to average assets | 2.4522% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5006% | 1,190 |
| Return on assets (ROA) | 1.5006% | 1,187 |
| Pretax return on assets | 1.9567% | 708 |
| Return on Equity (ROE) | 4.3537% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.3537% | 3,581 |
| Net charge-offs to loans | 0.0186% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 238.1538% | 389 |
| Efficiency ratio | 55.6198% | 4,434 |
| Assets per employee ($millions) | 4.1459% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 5,103 |
| Loan loss allowance to noncurrent loans | 46.2402% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 1,583 |
| Noncurrent loans to loans | 1.2161% | 1,387 |
| Net loans and leases to total assets | 45.0597% | 4,838 |
| Net loans and leases to deposits | 70.7679% | 3,857 |
| Net loans and leases to core deposits | 77.8345% | 3,672 |
| Total domestic deposits to total assets | 63.6725% | 5,354 |
| Equity capital to assets | 34.9168% | 55 |
| Core capital (leverage) ratio | 35.5085% | 54 |
| Tier 1 risk-based capital ratio | 67.3743% | 68 |
| Total risk-based capital ratio | 67.8522% | 70 |
| Memoranda: | ||
| Average total assets | $162,244,000 | 3,279 |
| Average earning assets | $136,705,250 | 3,444 |
| Average equity | $55,921,000 | 1,403 |
| Average total loans | $71,799,500 | 3,869 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,743 |
| Cost of funding earning assets | 0.2321% | 4,836 |
| Net interest margin | 4.3804% | 887 |
| Noninterest income to average assets | 0.7240% | 1,771 |
| Noninterest expense to average assets | 2.4983% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5207% | 1,106 |
| Return on assets (ROA) | 1.5207% | 1,106 |
| Pretax return on assets | 1.9208% | 735 |
| Return on Equity (ROE) | 4.4311% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.4311% | 3,380 |
| Net charge-offs to loans | 0.0224% | 2,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 424 |
| Efficiency ratio | 56.5339% | 4,412 |
| Assets per employee ($millions) | 3.6030% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5738% | 5,151 |
| Loan loss allowance to noncurrent loans | 49.8195% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 1,688 |
| Noncurrent loans to loans | 1.1517% | 1,513 |
| Net loans and leases to total assets | 44.2453% | 4,890 |
| Net loans and leases to deposits | 69.1651% | 3,930 |
| Net loans and leases to core deposits | 75.0091% | 3,810 |
| Total domestic deposits to total assets | 63.9706% | 5,413 |
| Equity capital to assets | 34.6158% | 59 |
| Core capital (leverage) ratio | 35.0055% | 60 |
| Tier 1 risk-based capital ratio | 67.4904% | 73 |
| Total risk-based capital ratio | 67.9764% | 73 |
| Memoranda: | ||
| Average total assets | $162,428,670 | 3,292 |
| Average earning assets | $137,020,670 | 3,459 |
| Average equity | $55,742,330 | 1,405 |
| Average total loans | $71,309,670 | 3,905 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 2,360 |
| Cost of funding earning assets | 0.2244% | 4,867 |
| Net interest margin | 4.1240% | 1,379 |
| Noninterest income to average assets | 0.6938% | 1,857 |
| Noninterest expense to average assets | 2.5785% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2277% | 1,902 |
| Return on assets (ROA) | 1.2277% | 1,910 |
| Pretax return on assets | 1.5968% | 1,405 |
| Return on Equity (ROE) | 3.5931% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.5931% | 3,764 |
| Net charge-offs to loans | 0.0113% | 2,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 324.5000% | 206 |
| Efficiency ratio | 61.7560% | 3,831 |
| Assets per employee ($millions) | 4.0647% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 5,206 |
| Loan loss allowance to noncurrent loans | 25.3776% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 1,428 |
| Noncurrent loans to loans | 2.3183% | 617 |
| Net loans and leases to total assets | 43.6499% | 4,911 |
| Net loans and leases to deposits | 67.7731% | 3,959 |
| Net loans and leases to core deposits | 72.9161% | 3,891 |
| Total domestic deposits to total assets | 64.4060% | 5,482 |
| Equity capital to assets | 34.1739% | 58 |
| Core capital (leverage) ratio | 34.8742% | 56 |
| Tier 1 risk-based capital ratio | 66.7521% | 70 |
| Total risk-based capital ratio | 67.2461% | 73 |
| Memoranda: | ||
| Average total assets | $162,574,500 | 3,326 |
| Average earning assets | $137,245,000 | 3,487 |
| Average equity | $55,551,000 | 1,415 |
| Average total loans | $70,888,500 | 3,951 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 2,146 |
| Cost of funding earning assets | 0.2134% | 4,841 |
| Net interest margin | 4.1475% | 1,308 |
| Noninterest income to average assets | 0.7357% | 1,819 |
| Noninterest expense to average assets | 2.7897% | 2,809 |
| Loan and lease loss provision to assets | 0.0618% | 2,991 |
| Net operating income to assets | 1.0207% | 2,147 |
| Return on assets (ROA) | 1.0230% | 2,178 |
| Pretax return on assets | 1.3936% | 2,016 |
| Return on Equity (ROE) | 3.0050% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.0050% | 3,500 |
| Net charge-offs to loans | 0.2959% | 883 |
| Credit loss provision to net charge-offs | 48.0769% | 3,351 |
| Earnings coverage of net charge-offs (x) | 11.3029% | 2,582 |
| Efficiency ratio | 65.7638% | 3,310 |
| Assets per employee ($millions) | 4.1682% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5995% | 5,247 |
| Loan loss allowance to noncurrent loans | 36.8237% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 2,035 |
| Noncurrent loans to loans | 1.6281% | 1,019 |
| Net loans and leases to total assets | 43.0395% | 5,032 |
| Net loans and leases to deposits | 66.7019% | 4,131 |
| Net loans and leases to core deposits | 71.7428% | 4,066 |
| Total domestic deposits to total assets | 64.5251% | 5,547 |
| Equity capital to assets | 34.1652% | 57 |
| Core capital (leverage) ratio | 34.2084% | 55 |
| Tier 1 risk-based capital ratio | 67.4282% | 65 |
| Total risk-based capital ratio | 67.9340% | 68 |
| Memoranda: | ||
| Average total assets | $161,883,000 | 3,328 |
| Average earning assets | $136,853,200 | 3,493 |
| Average equity | $55,107,600 | 1,404 |
| Average total loans | $70,304,400 | 3,953 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,489 |
| Cost of funding earning assets | 0.2076% | 4,908 |
| Net interest margin | 4.0289% | 1,608 |
| Noninterest income to average assets | 0.7173% | 1,927 |
| Noninterest expense to average assets | 2.3234% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4149% | 1,057 |
| Return on assets (ROA) | 1.4181% | 1,080 |
| Pretax return on assets | 1.8056% | 881 |
| Return on Equity (ROE) | 4.1696% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.1696% | 3,419 |
| Net charge-offs to loans | -0.0171% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3262% | 4,704 |
| Assets per employee ($millions) | 4.2853% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 5,006 |
| Loan loss allowance to noncurrent loans | 29.3733% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 1,388 |
| Noncurrent loans to loans | 2.5775% | 571 |
| Net loans and leases to total assets | 43.3892% | 5,058 |
| Net loans and leases to deposits | 67.5607% | 4,143 |
| Net loans and leases to core deposits | 73.0224% | 4,056 |
| Total domestic deposits to total assets | 64.2225% | 5,617 |
| Equity capital to assets | 34.3767% | 55 |
| Core capital (leverage) ratio | 34.6815% | 55 |
| Tier 1 risk-based capital ratio | 67.0129% | 70 |
| Total risk-based capital ratio | 67.6542% | 71 |
| Memoranda: | ||
| Average total assets | $161,713,750 | 3,355 |
| Average earning assets | $136,775,500 | 3,525 |
| Average equity | $54,999,750 | 1,422 |
| Average total loans | $70,283,750 | 3,987 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 2,505 |
| Cost of funding earning assets | 0.2053% | 4,923 |
| Net interest margin | 3.9855% | 1,652 |
| Noninterest income to average assets | 0.7227% | 1,894 |
| Noninterest expense to average assets | 2.3689% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3267% | 1,227 |
| Return on assets (ROA) | 1.3276% | 1,248 |
| Pretax return on assets | 1.7243% | 1,001 |
| Return on Equity (ROE) | 3.9178% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.9178% | 3,364 |
| Net charge-offs to loans | 0.0972% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 40.8824% | 1,230 |
| Efficiency ratio | 57.8915% | 4,606 |
| Assets per employee ($millions) | 4.1714% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,153 |
| Loan loss allowance to noncurrent loans | 27.8652% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 1,366 |
| Noncurrent loans to loans | 2.5939% | 555 |
| Net loans and leases to total assets | 41.8764% | 5,147 |
| Net loans and leases to deposits | 64.9243% | 4,309 |
| Net loans and leases to core deposits | 70.2898% | 4,206 |
| Total domestic deposits to total assets | 64.5003% | 5,663 |
| Equity capital to assets | 34.0607% | 53 |
| Core capital (leverage) ratio | 34.1567% | 53 |
| Tier 1 risk-based capital ratio | 67.0719% | 68 |
| Total risk-based capital ratio | 67.6695% | 69 |
| Memoranda: | ||
| Average total assets | $161,338,330 | 3,381 |
| Average earning assets | $136,393,330 | 3,550 |
| Average equity | $54,673,330 | 1,433 |
| Average total loans | $69,980,330 | 4,017 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 2,439 |
| Cost of funding earning assets | 0.2121% | 4,863 |
| Net interest margin | 3.9452% | 1,620 |
| Noninterest income to average assets | 0.6946% | 1,997 |
| Noninterest expense to average assets | 2.3652% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2405% | 1,405 |
| Return on assets (ROA) | 1.2423% | 1,438 |
| Pretax return on assets | 1.6656% | 1,076 |
| Return on Equity (ROE) | 3.6756% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.6756% | 3,605 |
| Net charge-offs to loans | 0.1132% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 33.4000% | 1,149 |
| Efficiency ratio | 58.7145% | 4,629 |
| Assets per employee ($millions) | 4.3794% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 5,238 |
| Loan loss allowance to noncurrent loans | 28.5554% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 1,359 |
| Noncurrent loans to loans | 2.5747% | 596 |
| Net loans and leases to total assets | 42.4949% | 5,133 |
| Net loans and leases to deposits | 65.4684% | 4,214 |
| Net loans and leases to core deposits | 71.1164% | 4,065 |
| Total domestic deposits to total assets | 64.9090% | 5,730 |
| Equity capital to assets | 33.7018% | 59 |
| Core capital (leverage) ratio | 34.2183% | 59 |
| Tier 1 risk-based capital ratio | 64.9339% | 77 |
| Total risk-based capital ratio | 65.5349% | 77 |
| Memoranda: | ||
| Average total assets | $160,664,500 | 3,417 |
| Average earning assets | $135,761,500 | 3,590 |
| Average equity | $54,304,000 | 1,435 |
| Average total loans | $70,659,000 | 4,035 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,081 |
| Cost of funding earning assets | 0.2055% | 4,963 |
| Net interest margin | 4.1137% | 1,351 |
| Noninterest income to average assets | 0.6999% | 2,171 |
| Noninterest expense to average assets | 2.7007% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1593% | 1,650 |
| Return on assets (ROA) | 1.2489% | 1,440 |
| Pretax return on assets | 1.6127% | 1,242 |
| Return on Equity (ROE) | 3.7182% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.7182% | 3,270 |
| Net charge-offs to loans | -0.0154% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3496% | 3,876 |
| Assets per employee ($millions) | 4.0844% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 5,282 |
| Loan loss allowance to noncurrent loans | 34.4828% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1746% | 1,551 |
| Noncurrent loans to loans | 2.1362% | 805 |
| Net loans and leases to total assets | 44.8362% | 5,072 |
| Net loans and leases to deposits | 69.1749% | 3,989 |
| Net loans and leases to core deposits | 75.1610% | 3,827 |
| Total domestic deposits to total assets | 64.8158% | 5,777 |
| Equity capital to assets | 33.8992% | 59 |
| Core capital (leverage) ratio | 33.7470% | 56 |
| Tier 1 risk-based capital ratio | 63.3073% | 76 |
| Total risk-based capital ratio | 63.9218% | 76 |
| Memoranda: | ||
| Average total assets | $159,736,800 | 3,397 |
| Average earning assets | $135,791,600 | 3,559 |
| Average equity | $53,654,600 | 1,430 |
| Average total loans | $71,456,200 | 4,009 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,056 |
| Cost of funding earning assets | 0.2039% | 5,033 |
| Net interest margin | 4.1310% | 1,306 |
| Noninterest income to average assets | 0.6915% | 2,208 |
| Noninterest expense to average assets | 2.2821% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5099% | 861 |
| Return on assets (ROA) | 1.6290% | 725 |
| Pretax return on assets | 2.0778% | 485 |
| Return on Equity (ROE) | 4.8609% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.8609% | 2,920 |
| Net charge-offs to loans | -0.0224% | 5,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2427% | 5,221 |
| Assets per employee ($millions) | 4.0973% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 5,350 |
| Loan loss allowance to noncurrent loans | 34.3467% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1765% | 1,700 |
| Noncurrent loans to loans | 2.1358% | 888 |
| Net loans and leases to total assets | 44.9657% | 5,146 |
| Net loans and leases to deposits | 69.6756% | 4,015 |
| Net loans and leases to core deposits | 74.9640% | 3,925 |
| Total domestic deposits to total assets | 64.5358% | 5,842 |
| Equity capital to assets | 34.1225% | 57 |
| Core capital (leverage) ratio | 34.3355% | 58 |
| Tier 1 risk-based capital ratio | 63.1414% | 74 |
| Total risk-based capital ratio | 63.7560% | 76 |
| Memoranda: | ||
| Average total assets | $159,847,750 | 3,415 |
| Average earning assets | $136,041,000 | 3,570 |
| Average equity | $53,568,500 | 1,441 |
| Average total loans | $71,332,500 | 4,033 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 1,934 |
| Cost of funding earning assets | 0.2029% | 5,112 |
| Net interest margin | 4.1607% | 1,201 |
| Noninterest income to average assets | 0.7006% | 2,141 |
| Noninterest expense to average assets | 2.3044% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5948% | 735 |
| Return on assets (ROA) | 1.7377% | 568 |
| Pretax return on assets | 2.1380% | 432 |
| Return on Equity (ROE) | 5.2170% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.2170% | 2,592 |
| Net charge-offs to loans | -0.0423% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0176% | 5,309 |
| Assets per employee ($millions) | 4.0561% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 5,428 |
| Loan loss allowance to noncurrent loans | 34.9934% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1758% | 1,786 |
| Noncurrent loans to loans | 2.1232% | 910 |
| Net loans and leases to total assets | 45.0979% | 5,171 |
| Net loans and leases to deposits | 69.9896% | 3,984 |
| Net loans and leases to core deposits | 75.3642% | 3,880 |
| Total domestic deposits to total assets | 64.4351% | 5,925 |
| Equity capital to assets | 34.1564% | 56 |
| Core capital (leverage) ratio | 33.7174% | 56 |
| Tier 1 risk-based capital ratio | 62.6759% | 85 |
| Total risk-based capital ratio | 63.2957% | 86 |
| Memoranda: | ||
| Average total assets | $159,865,330 | 3,435 |
| Average earning assets | $136,996,670 | 3,579 |
| Average equity | $53,249,330 | 1,448 |
| Average total loans | $70,982,000 | 4,067 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 1,864 |
| Cost of funding earning assets | 0.2051% | 5,151 |
| Net interest margin | 4.1745% | 1,159 |
| Noninterest income to average assets | 0.7218% | 1,929 |
| Noninterest expense to average assets | 2.3098% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5467% | 779 |
| Return on assets (ROA) | 1.5880% | 757 |
| Pretax return on assets | 2.0111% | 551 |
| Return on Equity (ROE) | 4.8280% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.8280% | 3,046 |
| Net charge-offs to loans | -0.1021% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1108% | 5,373 |
| Assets per employee ($millions) | 4.2193% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 5,460 |
| Loan loss allowance to noncurrent loans | 34.6452% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 1,933 |
| Noncurrent loans to loans | 2.1996% | 931 |
| Net loans and leases to total assets | 43.6161% | 5,269 |
| Net loans and leases to deposits | 66.7077% | 4,183 |
| Net loans and leases to core deposits | 71.5934% | 4,097 |
| Total domestic deposits to total assets | 65.3839% | 5,977 |
| Equity capital to assets | 33.2389% | 56 |
| Core capital (leverage) ratio | 33.2113% | 56 |
| Tier 1 risk-based capital ratio | 62.1272% | 83 |
| Total risk-based capital ratio | 62.7538% | 85 |
| Memoranda: | ||
| Average total assets | $160,704,500 | 3,437 |
| Average earning assets | $136,544,500 | 3,605 |
| Average equity | $52,858,500 | 1,453 |
| Average total loans | $70,536,500 | 4,104 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,234 |
| Cost of funding earning assets | 0.2175% | 5,118 |
| Net interest margin | 4.0823% | 1,454 |
| Noninterest income to average assets | 0.6468% | 2,474 |
| Noninterest expense to average assets | 2.5175% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2247% | 1,469 |
| Return on assets (ROA) | 1.2428% | 1,462 |
| Pretax return on assets | 1.6345% | 1,154 |
| Return on Equity (ROE) | 3.8570% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.8570% | 3,293 |
| Net charge-offs to loans | 0.0057% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 642.5000% | 100 |
| Efficiency ratio | 60.9838% | 4,765 |
| Assets per employee ($millions) | 4.1302% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 5,569 |
| Loan loss allowance to noncurrent loans | 32.6415% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 1,839 |
| Noncurrent loans to loans | 2.2520% | 866 |
| Net loans and leases to total assets | 43.5111% | 5,308 |
| Net loans and leases to deposits | 65.7110% | 4,338 |
| Net loans and leases to core deposits | 70.4347% | 4,273 |
| Total domestic deposits to total assets | 66.2159% | 6,012 |
| Equity capital to assets | 32.5461% | 57 |
| Core capital (leverage) ratio | 32.6026% | 55 |
| Tier 1 risk-based capital ratio | 60.5686% | 85 |
| Total risk-based capital ratio | 61.1661% | 85 |
| Memoranda: | ||
| Average total assets | $159,561,000 | 3,438 |
| Average earning assets | $136,075,000 | 3,594 |
| Average equity | $51,412,600 | 1,443 |
| Average total loans | $69,893,000 | 4,092 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,575 |
| Cost of funding earning assets | 0.2177% | 5,210 |
| Net interest margin | 3.9808% | 1,764 |
| Noninterest income to average assets | 0.6860% | 2,298 |
| Noninterest expense to average assets | 2.1074% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5851% | 796 |
| Return on assets (ROA) | 1.5998% | 802 |
| Pretax return on assets | 1.9977% | 601 |
| Return on Equity (ROE) | 4.9777% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.9777% | 2,933 |
| Net charge-offs to loans | 0.0057% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 787.6475% | 95 |
| Efficiency ratio | 51.5679% | 5,674 |
| Assets per employee ($millions) | 3.9768% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 5,645 |
| Loan loss allowance to noncurrent loans | 33.3976% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 2,006 |
| Noncurrent loans to loans | 2.2123% | 993 |
| Net loans and leases to total assets | 43.9160% | 5,364 |
| Net loans and leases to deposits | 66.8702% | 4,291 |
| Net loans and leases to core deposits | 71.7729% | 4,209 |
| Total domestic deposits to total assets | 65.6734% | 6,098 |
| Equity capital to assets | 32.9115% | 58 |
| Core capital (leverage) ratio | 32.8997% | 57 |
| Tier 1 risk-based capital ratio | 61.0340% | 89 |
| Total risk-based capital ratio | 61.6382% | 90 |
| Memoranda: | ||
| Average total assets | $159,182,250 | 3,468 |
| Average earning assets | $135,981,500 | 3,628 |
| Average equity | $51,159,750 | 1,456 |
| Average total loans | $69,715,000 | 4,139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 2,984 |
| Cost of funding earning assets | 0.2190% | 5,262 |
| Net interest margin | 3.8581% | 2,113 |
| Noninterest income to average assets | 0.6695% | 2,362 |
| Noninterest expense to average assets | 2.1216% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2864% | 1,359 |
| Return on assets (ROA) | 1.3014% | 1,379 |
| Pretax return on assets | 1.8666% | 794 |
| Return on Equity (ROE) | 4.0818% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.0818% | 3,426 |
| Net charge-offs to loans | 0.0058% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 734.5000% | 85 |
| Efficiency ratio | 53.4832% | 5,622 |
| Assets per employee ($millions) | 4.2197% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 5,713 |
| Loan loss allowance to noncurrent loans | 35.3220% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 2,265 |
| Noncurrent loans to loans | 2.1238% | 1,132 |
| Net loans and leases to total assets | 42.9880% | 5,437 |
| Net loans and leases to deposits | 64.5497% | 4,484 |
| Net loans and leases to core deposits | 69.3614% | 4,382 |
| Total domestic deposits to total assets | 66.5968% | 6,152 |
| Equity capital to assets | 31.8883% | 60 |
| Core capital (leverage) ratio | 32.0990% | 61 |
| Tier 1 risk-based capital ratio | 60.3533% | 99 |
| Total risk-based capital ratio | 60.9620% | 100 |
| Memoranda: | ||
| Average total assets | $159,219,000 | 3,500 |
| Average earning assets | $136,077,330 | 3,658 |
| Average equity | $50,762,000 | 1,470 |
| Average total loans | $69,494,000 | 4,177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,503 |
| Cost of funding earning assets | 0.2184% | 5,333 |
| Net interest margin | 3.7092% | 2,590 |
| Noninterest income to average assets | 0.6303% | 2,496 |
| Noninterest expense to average assets | 2.1657% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0802% | 1,934 |
| Return on assets (ROA) | 1.1068% | 1,951 |
| Pretax return on assets | 1.6741% | 1,101 |
| Return on Equity (ROE) | 3.4719% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.4719% | 3,914 |
| Net charge-offs to loans | 0.0058% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 648.0000% | 79 |
| Efficiency ratio | 57.0007% | 5,437 |
| Assets per employee ($millions) | 4.1782% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7542% | 5,800 |
| Loan loss allowance to noncurrent loans | 32.6863% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 2,216 |
| Noncurrent loans to loans | 2.3074% | 1,069 |
| Net loans and leases to total assets | 43.2629% | 5,405 |
| Net loans and leases to deposits | 65.0482% | 4,261 |
| Net loans and leases to core deposits | 69.8641% | 4,170 |
| Total domestic deposits to total assets | 66.5090% | 6,235 |
| Equity capital to assets | 32.0525% | 63 |
| Core capital (leverage) ratio | 32.1595% | 61 |
| Tier 1 risk-based capital ratio | 60.2376% | 108 |
| Total risk-based capital ratio | 60.8534% | 109 |
| Memoranda: | ||
| Average total assets | $158,655,000 | 3,525 |
| Average earning assets | $135,555,000 | 3,696 |
| Average equity | $50,577,000 | 1,485 |
| Average total loans | $69,515,500 | 4,191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 1,736 |
| Cost of funding earning assets | 0.2336% | 5,481 |
| Net interest margin | 4.3037% | 1,054 |
| Noninterest income to average assets | 0.8617% | 1,638 |
| Noninterest expense to average assets | 2.4687% | 4,644 |
| Loan and lease loss provision to assets | 0.1293% | 2,027 |
| Net operating income to assets | 1.4393% | 1,003 |
| Return on assets (ROA) | 1.4402% | 1,034 |
| Pretax return on assets | 1.9444% | 566 |
| Return on Equity (ROE) | 4.5657% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.5657% | 2,927 |
| Net charge-offs to loans | 0.2198% | 1,907 |
| Credit loss provision to net charge-offs | 128.2051% | 1,863 |
| Earnings coverage of net charge-offs (x) | 20.5513% | 1,722 |
| Efficiency ratio | 54.3630% | 5,811 |
| Assets per employee ($millions) | 4.0651% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 5,883 |
| Loan loss allowance to noncurrent loans | 75.5780% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 3,655 |
| Noncurrent loans to loans | 0.9911% | 2,851 |
| Net loans and leases to total assets | 43.7097% | 5,480 |
| Net loans and leases to deposits | 65.2287% | 4,411 |
| Net loans and leases to core deposits | 70.6658% | 4,255 |
| Total domestic deposits to total assets | 67.0100% | 6,298 |
| Equity capital to assets | 31.7045% | 63 |
| Core capital (leverage) ratio | 31.4991% | 62 |
| Tier 1 risk-based capital ratio | 59.7432% | 92 |
| Total risk-based capital ratio | 60.3604% | 92 |
| Memoranda: | ||
| Average total assets | $154,698,000 | 3,564 |
| Average earning assets | $132,258,000 | 3,716 |
| Average equity | $48,798,400 | 1,473 |
| Average total loans | $70,965,200 | 4,147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 1,680 |
| Cost of funding earning assets | 0.2322% | 5,575 |
| Net interest margin | 4.3246% | 1,000 |
| Noninterest income to average assets | 0.9228% | 1,443 |
| Noninterest expense to average assets | 2.0745% | 5,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8278% | 489 |
| Return on assets (ROA) | 1.8290% | 498 |
| Pretax return on assets | 2.5489% | 194 |
| Return on Equity (ROE) | 5.8059% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,531 |
| Net charge-offs to loans | 0.0618% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 88.9977% | 642 |
| Efficiency ratio | 44.8865% | 6,331 |
| Assets per employee ($millions) | 4.1284% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 6,190 |
| Loan loss allowance to noncurrent loans | 54.6569% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,820 |
| Noncurrent loans to loans | 1.1502% | 2,757 |
| Net loans and leases to total assets | 44.9400% | 5,458 |
| Net loans and leases to deposits | 67.2354% | 4,216 |
| Net loans and leases to core deposits | 72.9122% | 4,061 |
| Total domestic deposits to total assets | 66.8398% | 6,384 |
| Equity capital to assets | 31.7272% | 62 |
| Core capital (leverage) ratio | 31.9522% | 60 |
| Tier 1 risk-based capital ratio | 59.4358% | 92 |
| Total risk-based capital ratio | 59.9607% | 92 |
| Memoranda: | ||
| Average total assets | $153,737,750 | 3,609 |
| Average earning assets | $131,491,000 | 3,755 |
| Average equity | $48,432,000 | 1,490 |
| Average total loans | $71,251,500 | 4,183 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,565 |
| Cost of funding earning assets | 0.2346% | 5,630 |
| Net interest margin | 4.3531% | 934 |
| Noninterest income to average assets | 1.0387% | 1,103 |
| Noninterest expense to average assets | 2.1023% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8630% | 437 |
| Return on assets (ROA) | 1.8639% | 451 |
| Pretax return on assets | 2.6563% | 168 |
| Return on Equity (ROE) | 5.9310% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.9310% | 2,360 |
| Net charge-offs to loans | 0.0897% | 2,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 63.3438% | 777 |
| Efficiency ratio | 44.1905% | 6,410 |
| Assets per employee ($millions) | 4.0297% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 6,282 |
| Loan loss allowance to noncurrent loans | 75.6345% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 4,410 |
| Noncurrent loans to loans | 0.8215% | 3,651 |
| Net loans and leases to total assets | 45.4938% | 5,416 |
| Net loans and leases to deposits | 67.5070% | 4,105 |
| Net loans and leases to core deposits | 72.8427% | 3,962 |
| Total domestic deposits to total assets | 67.3912% | 6,442 |
| Equity capital to assets | 31.1682% | 62 |
| Core capital (leverage) ratio | 31.9058% | 57 |
| Tier 1 risk-based capital ratio | 58.0902% | 95 |
| Total risk-based capital ratio | 58.6114% | 97 |
| Memoranda: | ||
| Average total assets | $152,691,000 | 3,642 |
| Average earning assets | $130,435,670 | 3,800 |
| Average equity | $47,985,000 | 1,494 |
| Average total loans | $71,353,000 | 4,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 1,359 |
| Cost of funding earning assets | 0.2375% | 5,694 |
| Net interest margin | 4.4179% | 774 |
| Noninterest income to average assets | 1.2362% | 721 |
| Noninterest expense to average assets | 2.0471% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1375% | 267 |
| Return on assets (ROA) | 2.1375% | 281 |
| Pretax return on assets | 2.9484% | 148 |
| Return on Equity (ROE) | 6.7726% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.7726% | 2,157 |
| Net charge-offs to loans | 0.2421% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.7907% | 1,138 |
| Efficiency ratio | 40.9792% | 6,570 |
| Assets per employee ($millions) | 4.1141% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 6,392 |
| Loan loss allowance to noncurrent loans | 73.7733% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 4,437 |
| Noncurrent loans to loans | 0.8317% | 3,805 |
| Net loans and leases to total assets | 46.3960% | 5,291 |
| Net loans and leases to deposits | 69.3187% | 3,690 |
| Net loans and leases to core deposits | 75.1016% | 3,517 |
| Total domestic deposits to total assets | 66.9314% | 6,538 |
| Equity capital to assets | 31.5530% | 65 |
| Core capital (leverage) ratio | 32.2369% | 61 |
| Tier 1 risk-based capital ratio | 57.9236% | 99 |
| Total risk-based capital ratio | 58.4369% | 99 |
| Memoranda: | ||
| Average total assets | $150,456,500 | 3,699 |
| Average earning assets | $128,023,500 | 3,890 |
| Average equity | $47,485,500 | 1,500 |
| Average total loans | $71,057,000 | 4,232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 1,261 |
| Cost of funding earning assets | 0.2702% | 5,829 |
| Net interest margin | 4.5577% | 659 |
| Noninterest income to average assets | 0.7484% | 2,298 |
| Noninterest expense to average assets | 2.6389% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4225% | 981 |
| Return on assets (ROA) | 1.4299% | 1,005 |
| Pretax return on assets | 1.9702% | 520 |
| Return on Equity (ROE) | 4.5319% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.5319% | 2,946 |
| Net charge-offs to loans | 0.0015% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2,902.0000% | 11 |
| Efficiency ratio | 57.3799% | 5,805 |
| Assets per employee ($millions) | 4.1304% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 6,382 |
| Loan loss allowance to noncurrent loans | 577.1084% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 5,651 |
| Noncurrent loans to loans | 0.1168% | 5,856 |
| Net loans and leases to total assets | 47.4636% | 5,351 |
| Net loans and leases to deposits | 70.7859% | 3,683 |
| Net loans and leases to core deposits | 75.9181% | 3,616 |
| Total domestic deposits to total assets | 67.0522% | 6,612 |
| Equity capital to assets | 31.5691% | 62 |
| Core capital (leverage) ratio | 32.6118% | 58 |
| Tier 1 risk-based capital ratio | 57.1994% | 98 |
| Total risk-based capital ratio | 57.7656% | 101 |
| Memoranda: | ||
| Average total assets | $148,055,000 | 3,739 |
| Average earning assets | $125,086,000 | 3,947 |
| Average equity | $46,712,800 | 1,500 |
| Average total loans | $68,315,200 | 4,329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 1,384 |
| Cost of funding earning assets | 0.2775% | 5,908 |
| Net interest margin | 4.5095% | 729 |
| Noninterest income to average assets | 0.7654% | 2,296 |
| Noninterest expense to average assets | 2.2944% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7593% | 571 |
| Return on assets (ROA) | 1.7670% | 592 |
| Pretax return on assets | 2.2898% | 326 |
| Return on Equity (ROE) | 5.6012% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.6012% | 2,660 |
| Net charge-offs to loans | 0.0039% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,262.8914% | 28 |
| Efficiency ratio | 50.1577% | 6,391 |
| Assets per employee ($millions) | 4.1037% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 6,436 |
| Loan loss allowance to noncurrent loans | 575.9036% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 5,808 |
| Noncurrent loans to loans | 0.1216% | 5,964 |
| Net loans and leases to total assets | 45.8676% | 5,560 |
| Net loans and leases to deposits | 68.6879% | 3,975 |
| Net loans and leases to core deposits | 74.0998% | 3,835 |
| Total domestic deposits to total assets | 66.7768% | 6,689 |
| Equity capital to assets | 31.7334% | 59 |
| Core capital (leverage) ratio | 32.9731% | 57 |
| Tier 1 risk-based capital ratio | 59.1321% | 96 |
| Total risk-based capital ratio | 59.7181% | 96 |
| Memoranda: | ||
| Average total assets | $147,895,500 | 3,781 |
| Average earning assets | $124,918,750 | 3,984 |
| Average equity | $46,655,750 | 1,513 |
| Average total loans | $67,630,500 | 4,383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,571 |
| Cost of funding earning assets | 0.2846% | 5,950 |
| Net interest margin | 4.4157% | 826 |
| Noninterest income to average assets | 0.7868% | 2,254 |
| Noninterest expense to average assets | 2.3413% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6074% | 735 |
| Return on assets (ROA) | 1.6154% | 800 |
| Pretax return on assets | 2.1899% | 425 |
| Return on Equity (ROE) | 5.1309% | 4,653 |
| Retained earnings to average equity (ytd only) | 5.1309% | 2,970 |
| Net charge-offs to loans | 0.0504% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 94.8235% | 492 |
| Efficiency ratio | 51.7943% | 6,293 |
| Assets per employee ($millions) | 3.9985% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 6,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,835 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.7683% | 5,667 |
| Net loans and leases to deposits | 67.0161% | 4,145 |
| Net loans and leases to core deposits | 71.9061% | 4,054 |
| Total domestic deposits to total assets | 66.8023% | 6,744 |
| Equity capital to assets | 31.6187% | 58 |
| Core capital (leverage) ratio | 32.4768% | 54 |
| Tier 1 risk-based capital ratio | 59.5210% | 90 |
| Total risk-based capital ratio | 60.1016% | 92 |
| Memoranda: | ||
| Average total assets | $147,949,330 | 3,805 |
| Average earning assets | $125,100,000 | 4,011 |
| Average equity | $46,580,670 | 1,519 |
| Average total loans | $67,427,330 | 4,404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,626 |
| Cost of funding earning assets | 0.2903% | 6,038 |
| Net interest margin | 4.3772% | 835 |
| Noninterest income to average assets | 0.6624% | 2,807 |
| Noninterest expense to average assets | 2.4224% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3410% | 1,173 |
| Return on assets (ROA) | 1.3410% | 1,270 |
| Pretax return on assets | 1.9493% | 665 |
| Return on Equity (ROE) | 4.2683% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.2683% | 3,666 |
| Net charge-offs to loans | 0.0059% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 721.0000% | 40 |
| Efficiency ratio | 55.4113% | 6,117 |
| Assets per employee ($millions) | 3.9832% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 6,567 |
| Loan loss allowance to noncurrent loans | 1,368.5714% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 5,583 |
| Noncurrent loans to loans | 0.0524% | 6,317 |
| Net loans and leases to total assets | 44.9891% | 5,549 |
| Net loans and leases to deposits | 67.4136% | 3,850 |
| Net loans and leases to core deposits | 72.2919% | 3,783 |
| Total domestic deposits to total assets | 66.7359% | 6,833 |
| Equity capital to assets | 31.6981% | 62 |
| Core capital (leverage) ratio | 31.6736% | 58 |
| Tier 1 risk-based capital ratio | 58.7342% | 94 |
| Total risk-based capital ratio | 59.3357% | 95 |
| Memoranda: | ||
| Average total assets | $147,952,000 | 3,846 |
| Average earning assets | $125,376,500 | 4,037 |
| Average equity | $46,482,000 | 1,543 |
| Average total loans | $67,793,500 | 4,428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 1,435 |
| Cost of funding earning assets | 0.3988% | 5,927 |
| Net interest margin | 4.6499% | 716 |
| Noninterest income to average assets | 0.7940% | 2,287 |
| Noninterest expense to average assets | 2.5619% | 4,892 |
| Loan and lease loss provision to assets | 0.1373% | 3,907 |
| Net operating income to assets | 1.4871% | 942 |
| Return on assets (ROA) | 1.4886% | 1,034 |
| Pretax return on assets | 2.0335% | 565 |
| Return on Equity (ROE) | 4.7778% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.7778% | 2,866 |
| Net charge-offs to loans | 0.9305% | 1,201 |
| Credit loss provision to net charge-offs | 29.6736% | 5,117 |
| Earnings coverage of net charge-offs (x) | 4.6884% | 3,288 |
| Efficiency ratio | 54.1564% | 6,250 |
| Assets per employee ($millions) | 3.9086% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 6,636 |
| Loan loss allowance to noncurrent loans | 4,363.6364% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 5,552 |
| Noncurrent loans to loans | 0.0160% | 6,501 |
| Net loans and leases to total assets | 46.0014% | 5,614 |
| Net loans and leases to deposits | 68.1835% | 3,956 |
| Net loans and leases to core deposits | 73.7768% | 3,813 |
| Total domestic deposits to total assets | 67.4670% | 6,873 |
| Equity capital to assets | 31.1380% | 63 |
| Core capital (leverage) ratio | 31.1859% | 58 |
| Tier 1 risk-based capital ratio | 56.6384% | 109 |
| Total risk-based capital ratio | 57.2259% | 111 |
| Memoranda: | ||
| Average total assets | $145,711,800 | 3,849 |
| Average earning assets | $123,357,400 | 4,033 |
| Average equity | $45,397,200 | 1,531 |
| Average total loans | $72,434,400 | 4,257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 1,404 |
| Cost of funding earning assets | 0.4193% | 5,995 |
| Net interest margin | 4.6920% | 681 |
| Noninterest income to average assets | 0.8395% | 2,076 |
| Noninterest expense to average assets | 2.1506% | 6,069 |
| Loan and lease loss provision to assets | 0.1839% | 3,288 |
| Net operating income to assets | 1.9152% | 441 |
| Return on assets (ROA) | 1.9152% | 511 |
| Pretax return on assets | 2.4761% | 308 |
| Return on Equity (ROE) | 6.1465% | 4,265 |
| Retained earnings to average equity (ytd only) | 6.1465% | 2,605 |
| Net charge-offs to loans | 1.2271% | 789 |
| Credit loss provision to net charge-offs | 29.6296% | 4,807 |
| Earnings coverage of net charge-offs (x) | 4.2859% | 3,348 |
| Efficiency ratio | 44.7057% | 6,874 |
| Assets per employee ($millions) | 3.9547% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6834% | 6,767 |
| Loan loss allowance to noncurrent loans | 9,580.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 5,751 |
| Noncurrent loans to loans | 0.0071% | 6,661 |
| Net loans and leases to total assets | 47.5742% | 5,599 |
| Net loans and leases to deposits | 71.0453% | 3,740 |
| Net loans and leases to core deposits | 76.6056% | 3,660 |
| Total domestic deposits to total assets | 66.9633% | 6,955 |
| Equity capital to assets | 31.5503% | 64 |
| Core capital (leverage) ratio | 31.5745% | 61 |
| Tier 1 risk-based capital ratio | 56.4041% | 107 |
| Total risk-based capital ratio | 56.9890% | 108 |
| Memoranda: | ||
| Average total assets | $145,008,250 | 3,899 |
| Average earning assets | $122,730,500 | 4,085 |
| Average equity | $45,184,500 | 1,554 |
| Average total loans | $73,342,000 | 4,281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 1,261 |
| Cost of funding earning assets | 0.4399% | 6,033 |
| Net interest margin | 4.7571% | 603 |
| Noninterest income to average assets | 0.8840% | 1,845 |
| Noninterest expense to average assets | 2.1568% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1291% | 313 |
| Return on assets (ROA) | 2.1291% | 356 |
| Pretax return on assets | 2.7516% | 203 |
| Return on Equity (ROE) | 6.8618% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.8618% | 2,180 |
| Net charge-offs to loans | 0.0645% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 82.8750% | 494 |
| Efficiency ratio | 43.9402% | 6,959 |
| Assets per employee ($millions) | 3.8312% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,992 |
| Loan loss allowance to noncurrent loans | 77.3710% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 4,266 |
| Noncurrent loans to loans | 1.6530% | 3,421 |
| Net loans and leases to total assets | 49.3080% | 5,444 |
| Net loans and leases to deposits | 73.5015% | 3,378 |
| Net loans and leases to core deposits | 78.6411% | 3,426 |
| Total domestic deposits to total assets | 67.0843% | 7,024 |
| Equity capital to assets | 31.3696% | 62 |
| Core capital (leverage) ratio | 31.2296% | 58 |
| Tier 1 risk-based capital ratio | 54.3927% | 114 |
| Total risk-based capital ratio | 55.5009% | 113 |
| Memoranda: | ||
| Average total assets | $144,569,330 | 3,928 |
| Average earning assets | $122,302,670 | 4,116 |
| Average equity | $44,857,330 | 1,555 |
| Average total loans | $74,425,330 | 4,269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 1,176 |
| Cost of funding earning assets | 0.4487% | 6,153 |
| Net interest margin | 4.8182% | 541 |
| Noninterest income to average assets | 1.0162% | 1,385 |
| Noninterest expense to average assets | 2.1574% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1102% | 345 |
| Return on assets (ROA) | 2.1102% | 398 |
| Pretax return on assets | 2.9432% | 196 |
| Return on Equity (ROE) | 6.8390% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.8390% | 2,506 |
| Net charge-offs to loans | 0.1541% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 36.5517% | 805 |
| Efficiency ratio | 42.2972% | 7,046 |
| Assets per employee ($millions) | 3.7021% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,302 |
| Loan loss allowance to noncurrent loans | 95.8549% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 4,559 |
| Noncurrent loans to loans | 1.2958% | 4,176 |
| Net loans and leases to total assets | 50.9399% | 5,169 |
| Net loans and leases to deposits | 75.6438% | 2,854 |
| Net loans and leases to core deposits | 79.1381% | 3,162 |
| Total domestic deposits to total assets | 67.3417% | 7,073 |
| Equity capital to assets | 31.0084% | 56 |
| Core capital (leverage) ratio | 31.1499% | 56 |
| Tier 1 risk-based capital ratio | 52.6657% | 119 |
| Total risk-based capital ratio | 53.7514% | 119 |
| Memoranda: | ||
| Average total assets | $144,060,500 | 3,971 |
| Average earning assets | $122,120,500 | 4,149 |
| Average equity | $44,451,000 | 1,561 |
| Average total loans | $75,280,000 | 4,262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 1,191 |
| Cost of funding earning assets | 0.5876% | 6,151 |
| Net interest margin | 4.9011% | 506 |
| Noninterest income to average assets | 0.8946% | 1,686 |
| Noninterest expense to average assets | 2.6044% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5764% | 704 |
| Return on assets (ROA) | 1.5773% | 758 |
| Pretax return on assets | 2.4440% | 229 |
| Return on Equity (ROE) | 5.2623% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.2623% | 2,478 |
| Net charge-offs to loans | -0.1185% | 7,156 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6027% | 6,731 |
| Assets per employee ($millions) | 3.7827% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,144 |
| Loan loss allowance to noncurrent loans | 92.5315% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 4,710 |
| Noncurrent loans to loans | 1.3550% | 4,113 |
| Net loans and leases to total assets | 52.2704% | 5,271 |
| Net loans and leases to deposits | 77.0408% | 2,992 |
| Net loans and leases to core deposits | 80.4364% | 3,400 |
| Total domestic deposits to total assets | 67.8477% | 7,082 |
| Equity capital to assets | 30.7024% | 64 |
| Core capital (leverage) ratio | 30.5051% | 60 |
| Tier 1 risk-based capital ratio | 51.2699% | 126 |
| Total risk-based capital ratio | 52.3788% | 125 |
| Memoranda: | ||
| Average total assets | $143,410,000 | 3,923 |
| Average earning assets | $121,503,400 | 4,103 |
| Average equity | $42,984,600 | 1,568 |
| Average total loans | $75,931,800 | 4,274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5416% | 1,158 |
| Cost of funding earning assets | 0.6222% | 6,173 |
| Net interest margin | 4.9194% | 489 |
| Noninterest income to average assets | 0.8800% | 1,719 |
| Noninterest expense to average assets | 2.2596% | 6,147 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8596% | 459 |
| Return on assets (ROA) | 1.8596% | 496 |
| Pretax return on assets | 2.7833% | 167 |
| Return on Equity (ROE) | 6.2422% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.2422% | 2,407 |
| Net charge-offs to loans | -0.1634% | 7,238 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8072% | 7,114 |
| Assets per employee ($millions) | 3.6521% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,164 |
| Loan loss allowance to noncurrent loans | 68.2596% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.7517% | 3,470 |
| Noncurrent loans to loans | 1.8556% | 3,558 |
| Net loans and leases to total assets | 52.3745% | 5,399 |
| Net loans and leases to deposits | 77.3237% | 3,116 |
| Net loans and leases to core deposits | 81.4309% | 3,421 |
| Total domestic deposits to total assets | 67.7341% | 7,151 |
| Equity capital to assets | 30.8133% | 73 |
| Core capital (leverage) ratio | 30.6512% | 71 |
| Tier 1 risk-based capital ratio | 50.5575% | 146 |
| Total risk-based capital ratio | 51.6610% | 145 |
| Memoranda: | ||
| Average total assets | $143,327,250 | 3,941 |
| Average earning assets | $121,286,000 | 4,126 |
| Average equity | $42,697,750 | 1,579 |
| Average total loans | $75,892,750 | 4,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 1,519 |
| Cost of funding earning assets | 0.6552% | 6,203 |
| Net interest margin | 4.7581% | 647 |
| Noninterest income to average assets | 0.9316% | 1,531 |
| Noninterest expense to average assets | 2.2252% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9718% | 360 |
| Return on assets (ROA) | 1.9718% | 378 |
| Pretax return on assets | 2.7516% | 178 |
| Return on Equity (ROE) | 6.6949% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.6949% | 2,025 |
| Net charge-offs to loans | -0.2105% | 7,294 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7118% | 7,208 |
| Assets per employee ($millions) | 3.8479% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,388 |
| Loan loss allowance to noncurrent loans | 43.4023% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 2,733 |
| Noncurrent loans to loans | 2.8462% | 2,566 |
| Net loans and leases to total assets | 53.0115% | 5,433 |
| Net loans and leases to deposits | 77.6386% | 3,191 |
| Net loans and leases to core deposits | 82.3027% | 3,458 |
| Total domestic deposits to total assets | 68.2798% | 7,178 |
| Equity capital to assets | 30.3218% | 79 |
| Core capital (leverage) ratio | 30.0012% | 82 |
| Tier 1 risk-based capital ratio | 49.5091% | 149 |
| Total risk-based capital ratio | 50.5894% | 149 |
| Memoranda: | ||
| Average total assets | $143,625,670 | 3,967 |
| Average earning assets | $122,107,670 | 4,143 |
| Average equity | $42,301,000 | 1,585 |
| Average total loans | $76,005,330 | 4,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 1,672 |
| Cost of funding earning assets | 0.6893% | 6,198 |
| Net interest margin | 4.6812% | 741 |
| Noninterest income to average assets | 0.9899% | 1,356 |
| Noninterest expense to average assets | 2.1740% | 6,477 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1657% | 276 |
| Return on assets (ROA) | 2.1657% | 285 |
| Pretax return on assets | 2.7896% | 178 |
| Return on Equity (ROE) | 7.4618% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.4618% | 1,957 |
| Net charge-offs to loans | -0.6385% | 7,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7989% | 7,289 |
| Assets per employee ($millions) | 3.6905% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 5,077 |
| Loan loss allowance to noncurrent loans | 44.8543% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.3526% | 2,893 |
| Noncurrent loans to loans | 2.9217% | 2,572 |
| Net loans and leases to total assets | 51.5376% | 5,642 |
| Net loans and leases to deposits | 74.5213% | 3,681 |
| Net loans and leases to core deposits | 78.6573% | 3,935 |
| Total domestic deposits to total assets | 69.1582% | 7,222 |
| Equity capital to assets | 29.3577% | 82 |
| Core capital (leverage) ratio | 29.8332% | 79 |
| Tier 1 risk-based capital ratio | 48.7500% | 150 |
| Total risk-based capital ratio | 49.8765% | 150 |
| Memoranda: | ||
| Average total assets | $144,252,000 | 3,988 |
| Average earning assets | $122,448,000 | 4,174 |
| Average equity | $41,866,500 | 1,586 |
| Average total loans | $75,799,000 | 4,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7591% | 1,382 |
| Cost of funding earning assets | 0.8727% | 6,287 |
| Net interest margin | 4.8864% | 562 |
| Noninterest income to average assets | 0.9124% | 1,805 |
| Noninterest expense to average assets | 2.6195% | 5,334 |
| Loan and lease loss provision to assets | 0.1426% | 5,759 |
| Net operating income to assets | 1.5970% | 621 |
| Return on assets (ROA) | 1.6045% | 664 |
| Pretax return on assets | 2.2838% | 260 |
| Return on Equity (ROE) | 5.5204% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.5204% | 2,096 |
| Net charge-offs to loans | 0.0841% | 5,993 |
| Credit loss provision to net charge-offs | 303.0303% | 882 |
| Earnings coverage of net charge-offs (x) | 51.3485% | 455 |
| Efficiency ratio | 52.0243% | 6,987 |
| Assets per employee ($millions) | 4.0160% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,826 |
| Loan loss allowance to noncurrent loans | 39.2192% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 2.1677% | 3,135 |
| Noncurrent loans to loans | 2.8821% | 2,643 |
| Net loans and leases to total assets | 52.2715% | 5,876 |
| Net loans and leases to deposits | 74.6929% | 4,085 |
| Net loans and leases to core deposits | 78.6627% | 4,377 |
| Total domestic deposits to total assets | 69.9819% | 7,235 |
| Equity capital to assets | 28.6901% | 88 |
| Core capital (leverage) ratio | 29.4019% | 89 |
| Tier 1 risk-based capital ratio | 46.9378% | 160 |
| Total risk-based capital ratio | 47.9069% | 161 |
| Memoranda: | ||
| Average total assets | $140,294,400 | 4,051 |
| Average earning assets | $118,368,400 | 4,268 |
| Average equity | $40,775,800 | 1,627 |
| Average total loans | $78,512,200 | 4,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 1,318 |
| Cost of funding earning assets | 0.9019% | 6,385 |
| Net interest margin | 4.9257% | 531 |
| Noninterest income to average assets | 0.9806% | 1,520 |
| Noninterest expense to average assets | 2.2534% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0885% | 293 |
| Return on assets (ROA) | 2.0982% | 309 |
| Pretax return on assets | 2.8883% | 139 |
| Return on Equity (ROE) | 7.1952% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.1952% | 1,756 |
| Net charge-offs to loans | -0.0084% | 7,254 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9402% | 7,465 |
| Assets per employee ($millions) | 3.7807% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 6,625 |
| Loan loss allowance to noncurrent loans | 27.7988% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4856% | 2,887 |
| Noncurrent loans to loans | 3.3723% | 2,364 |
| Net loans and leases to total assets | 55.5220% | 5,620 |
| Net loans and leases to deposits | 80.8915% | 3,290 |
| Net loans and leases to core deposits | 85.4565% | 3,739 |
| Total domestic deposits to total assets | 68.6375% | 7,348 |
| Equity capital to assets | 29.9184% | 88 |
| Core capital (leverage) ratio | 29.8905% | 86 |
| Tier 1 risk-based capital ratio | 46.8269% | 165 |
| Total risk-based capital ratio | 47.6506% | 168 |
| Memoranda: | ||
| Average total assets | $139,224,000 | 4,119 |
| Average earning assets | $117,231,750 | 4,350 |
| Average equity | $40,600,000 | 1,640 |
| Average total loans | $79,031,250 | 4,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8758% | 1,241 |
| Cost of funding earning assets | 0.9300% | 6,467 |
| Net interest margin | 4.9458% | 479 |
| Noninterest income to average assets | 0.7913% | 2,165 |
| Noninterest expense to average assets | 2.2633% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9047% | 393 |
| Return on assets (ROA) | 1.9179% | 423 |
| Pretax return on assets | 2.7093% | 172 |
| Return on Equity (ROE) | 6.6347% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.6347% | 1,999 |
| Net charge-offs to loans | -0.0025% | 7,078 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6869% | 7,453 |
| Assets per employee ($millions) | 3.7651% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 6,651 |
| Loan loss allowance to noncurrent loans | 27.8370% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 2,813 |
| Noncurrent loans to loans | 3.3531% | 2,384 |
| Net loans and leases to total assets | 55.6927% | 5,751 |
| Net loans and leases to deposits | 80.1672% | 3,571 |
| Net loans and leases to core deposits | 84.6397% | 4,048 |
| Total domestic deposits to total assets | 69.4707% | 7,364 |
| Equity capital to assets | 29.4030% | 92 |
| Core capital (leverage) ratio | 29.4457% | 85 |
| Tier 1 risk-based capital ratio | 45.8249% | 178 |
| Total risk-based capital ratio | 46.6434% | 180 |
| Memoranda: | ||
| Average total assets | $139,003,000 | 4,158 |
| Average earning assets | $116,988,330 | 4,393 |
| Average equity | $40,182,670 | 1,653 |
| Average total loans | $79,240,670 | 4,465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 1,184 |
| Cost of funding earning assets | 0.9674% | 6,517 |
| Net interest margin | 4.9425% | 473 |
| Noninterest income to average assets | 0.7807% | 2,116 |
| Noninterest expense to average assets | 2.2528% | 6,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8548% | 440 |
| Return on assets (ROA) | 1.8783% | 462 |
| Pretax return on assets | 2.7425% | 174 |
| Return on Equity (ROE) | 6.5538% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.5538% | 2,347 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4123% | 7,573 |
| Assets per employee ($millions) | 3.8543% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,752 |
| Loan loss allowance to noncurrent loans | 114.7799% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 5,771 |
| Noncurrent loans to loans | 0.8069% | 5,700 |
| Net loans and leases to total assets | 56.2820% | 5,699 |
| Net loans and leases to deposits | 80.6171% | 3,530 |
| Net loans and leases to core deposits | 85.2032% | 4,011 |
| Total domestic deposits to total assets | 69.8140% | 7,420 |
| Equity capital to assets | 28.9969% | 93 |
| Core capital (leverage) ratio | 28.9073% | 92 |
| Tier 1 risk-based capital ratio | 45.3569% | 183 |
| Total risk-based capital ratio | 46.1796% | 189 |
| Memoranda: | ||
| Average total assets | $138,850,000 | 4,215 |
| Average earning assets | $117,431,000 | 4,437 |
| Average equity | $39,793,500 | 1,689 |
| Average total loans | $79,703,000 | 4,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0759% | 1,585 |
| Cost of funding earning assets | 1.2455% | 6,485 |
| Net interest margin | 4.8304% | 647 |
| Noninterest income to average assets | 0.8264% | 2,281 |
| Noninterest expense to average assets | 2.5883% | 5,833 |
| Loan and lease loss provision to assets | 0.0728% | 6,856 |
| Net operating income to assets | 1.7353% | 410 |
| Return on assets (ROA) | 1.7409% | 431 |
| Pretax return on assets | 2.2753% | 238 |
| Return on Equity (ROE) | 6.2291% | 3,112 |
| Retained earnings to average equity (ytd only) | 6.2291% | 1,261 |
| Net charge-offs to loans | 0.1595% | 5,680 |
| Credit loss provision to net charge-offs | 82.6446% | 6,229 |
| Earnings coverage of net charge-offs (x) | 26.5702% | 851 |
| Efficiency ratio | 52.5111% | 7,349 |
| Assets per employee ($millions) | 3.6565% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 6,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,799 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.4701% | 5,745 |
| Net loans and leases to deposits | 81.2422% | 3,750 |
| Net loans and leases to core deposits | 104.4062% | 3,525 |
| Total domestic deposits to total assets | 70.7392% | 7,358 |
| Equity capital to assets | 28.3223% | 117 |
| Core capital (leverage) ratio | 28.5585% | 113 |
| Tier 1 risk-based capital ratio | 44.1992% | 196 |
| Total risk-based capital ratio | 45.0141% | 200 |
| Memoranda: | ||
| Average total assets | $137,346,200 | 4,182 |
| Average earning assets | $116,658,000 | 4,383 |
| Average equity | $38,384,600 | 1,748 |
| Average total loans | $75,867,400 | 4,657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 1,798 |
| Cost of funding earning assets | 1.2972% | 6,569 |
| Net interest margin | 4.7629% | 733 |
| Noninterest income to average assets | 0.7847% | 2,515 |
| Noninterest expense to average assets | 2.1993% | 6,977 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0529% | 257 |
| Return on assets (ROA) | 2.0582% | 282 |
| Pretax return on assets | 2.6423% | 156 |
| Return on Equity (ROE) | 7.3897% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.3897% | 1,356 |
| Net charge-offs to loans | 0.2178% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 22.1889% | 1,165 |
| Efficiency ratio | 45.4893% | 7,789 |
| Assets per employee ($millions) | 3.6292% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 7,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 6,814 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.7474% | 5,924 |
| Net loans and leases to deposits | 81.9257% | 4,035 |
| Net loans and leases to core deposits | 103.2542% | 4,026 |
| Total domestic deposits to total assets | 70.4875% | 7,381 |
| Equity capital to assets | 28.4531% | 130 |
| Core capital (leverage) ratio | 28.4599% | 136 |
| Tier 1 risk-based capital ratio | 44.0505% | 220 |
| Total risk-based capital ratio | 44.7552% | 222 |
| Memoranda: | ||
| Average total assets | $136,946,000 | 4,212 |
| Average earning assets | $116,454,000 | 4,420 |
| Average equity | $38,142,500 | 1,786 |
| Average total loans | $74,688,500 | 4,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 2,061 |
| Cost of funding earning assets | 1.3596% | 6,623 |
| Net interest margin | 4.6691% | 843 |
| Noninterest income to average assets | 0.7759% | 2,547 |
| Noninterest expense to average assets | 2.1899% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9017% | 374 |
| Return on assets (ROA) | 1.9103% | 400 |
| Pretax return on assets | 2.5691% | 182 |
| Return on Equity (ROE) | 6.9090% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.9090% | 1,617 |
| Net charge-offs to loans | -0.0961% | 7,947 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1301% | 7,844 |
| Assets per employee ($millions) | 3.5186% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 6,005 |
| Loan loss allowance to noncurrent loans | 4,912.5000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 7,082 |
| Noncurrent loans to loans | 0.0210% | 7,495 |
| Net loans and leases to total assets | 54.9229% | 6,344 |
| Net loans and leases to deposits | 77.3188% | 4,970 |
| Net loans and leases to core deposits | 94.7239% | 5,035 |
| Total domestic deposits to total assets | 71.0344% | 7,361 |
| Equity capital to assets | 27.8455% | 161 |
| Core capital (leverage) ratio | 27.8284% | 162 |
| Tier 1 risk-based capital ratio | 44.5945% | 227 |
| Total risk-based capital ratio | 45.5047% | 230 |
| Memoranda: | ||
| Average total assets | $136,624,330 | 4,244 |
| Average earning assets | $116,212,000 | 4,459 |
| Average equity | $37,776,670 | 1,810 |
| Average total loans | $72,828,330 | 4,848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0417% | 2,189 |
| Cost of funding earning assets | 1.4639% | 6,528 |
| Net interest margin | 4.5778% | 974 |
| Noninterest income to average assets | 0.7629% | 2,521 |
| Noninterest expense to average assets | 2.2241% | 6,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5665% | 831 |
| Return on assets (ROA) | 1.5815% | 891 |
| Pretax return on assets | 2.4618% | 278 |
| Return on Equity (ROE) | 5.7402% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.7402% | 2,758 |
| Net charge-offs to loans | -0.1686% | 7,990 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7030% | 7,743 |
| Assets per employee ($millions) | 3.6048% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,439 |
| Loan loss allowance to noncurrent loans | 13,016.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 6,984 |
| Noncurrent loans to loans | 0.0085% | 7,546 |
| Net loans and leases to total assets | 51.0531% | 6,764 |
| Net loans and leases to deposits | 71.6850% | 5,785 |
| Net loans and leases to core deposits | 89.0594% | 5,642 |
| Total domestic deposits to total assets | 71.2186% | 7,305 |
| Equity capital to assets | 27.6031% | 176 |
| Core capital (leverage) ratio | 27.6515% | 182 |
| Tier 1 risk-based capital ratio | 45.8554% | 242 |
| Total risk-based capital ratio | 46.8042% | 246 |
| Memoranda: | ||
| Average total assets | $136,324,000 | 4,278 |
| Average earning assets | $116,126,000 | 4,477 |
| Average equity | $37,559,500 | 1,815 |
| Average total loans | $71,165,500 | 4,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6810% | 2,099 |
| Cost of funding earning assets | 1.8518% | 6,863 |
| Net interest margin | 4.8293% | 734 |
| Noninterest income to average assets | 0.9050% | 1,939 |
| Noninterest expense to average assets | 2.5615% | 5,787 |
| Loan and lease loss provision to assets | 0.1117% | 5,941 |
| Net operating income to assets | 1.6635% | 724 |
| Return on assets (ROA) | 1.6699% | 685 |
| Pretax return on assets | 2.5421% | 180 |
| Return on Equity (ROE) | 6.1860% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.1860% | 1,446 |
| Net charge-offs to loans | 0.0186% | 6,607 |
| Credit loss provision to net charge-offs | 1,153.8462% | 391 |
| Earnings coverage of net charge-offs (x) | 273.0769% | 181 |
| Efficiency ratio | 49.2059% | 7,717 |
| Assets per employee ($millions) | 3.5702% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 5,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 6,831 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.2353% | 6,826 |
| Net loans and leases to deposits | 73.0081% | 5,947 |
| Net loans and leases to core deposits | 91.5309% | 5,681 |
| Total domestic deposits to total assets | 71.5472% | 7,081 |
| Equity capital to assets | 27.4997% | 208 |
| Core capital (leverage) ratio | 27.1520% | 222 |
| Tier 1 risk-based capital ratio | 44.9580% | 263 |
| Total risk-based capital ratio | 45.8655% | 264 |
| Memoranda: | ||
| Average total assets | $134,259,200 | 4,200 |
| Average earning assets | $119,562,200 | 4,269 |
| Average equity | $36,243,200 | 1,857 |
| Average total loans | $70,028,200 | 4,867 |