Home > The Peshtigo National Bank > Performance and Condition Ratios
The Peshtigo National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 4,141 |
| Cost of funding earning assets | 1.0243% | 3,241 |
| Net interest margin | 2.8102% | 3,640 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.5754% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3916% | 3,888 |
| Return on assets (ROA) | 0.3946% | 3,872 |
| Pretax return on assets | 0.3946% | 3,973 |
| Return on Equity (ROE) | 7.9200% | 3,041 |
| Retained earnings to average equity (ytd only) | 3.5256% | 3,111 |
| Net charge-offs to loans | -0.0051% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.8027% | 524 |
| Assets per employee ($millions) | 5.6660% | 3,104 |
| Cash dividends to net income (ytd only)* | 55.4814% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,775 |
| Loan loss allowance to noncurrent loans | 843.3180% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,023 |
| Noncurrent loans to loans | 0.1318% | 2,853 |
| Net loans and leases to total assets | 58.6400% | 2,980 |
| Net loans and leases to deposits | 70.3765% | 2,861 |
| Net loans and leases to core deposits | 72.4882% | 3,157 |
| Total domestic deposits to total assets | 83.3200% | 2,801 |
| Equity capital to assets | 5.4816% | 4,339 |
| Core capital (leverage) ratio | 8.8867% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5517% | 1,169 |
| Memoranda: | ||
| Average total assets | $265,860,800 | 2,589 |
| Average earning assets | $254,998,600 | 2,539 |
| Average equity | $13,246,000 | 3,402 |
| Average total loans | $156,056,600 | 2,623 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,212 |
| Cost of funding earning assets | 0.6698% | 3,156 |
| Net interest margin | 2.8832% | 3,815 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6932% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2955% | 4,255 |
| Return on assets (ROA) | 0.3200% | 4,176 |
| Pretax return on assets | 0.3746% | 4,163 |
| Return on Equity (ROE) | 6.2100% | 3,674 |
| Retained earnings to average equity (ytd only) | -2.0591% | 4,209 |
| Net charge-offs to loans | -0.0053% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.6228% | 403 |
| Assets per employee ($millions) | 5.2635% | 3,451 |
| Cash dividends to net income (ytd only)* | 133.1754% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,320 |
| Loan loss allowance to noncurrent loans | 3,348.2143% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,594 |
| Noncurrent loans to loans | 0.0371% | 3,482 |
| Net loans and leases to total assets | 56.6000% | 2,995 |
| Net loans and leases to deposits | 63.8134% | 3,106 |
| Net loans and leases to core deposits | 64.6790% | 3,306 |
| Total domestic deposits to total assets | 88.6900% | 1,663 |
| Equity capital to assets | 5.4636% | 4,346 |
| Core capital (leverage) ratio | 8.8449% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1690% | 1,133 |
| Memoranda: | ||
| Average total assets | $263,776,500 | 2,650 |
| Average earning assets | $253,193,000 | 2,598 |
| Average equity | $13,598,500 | 3,428 |
| Average total loans | $150,397,500 | 2,700 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 3,737 |
| Cost of funding earning assets | 0.2884% | 2,975 |
| Net interest margin | 2.9537% | 3,563 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.4815% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4942% | 4,095 |
| Return on assets (ROA) | 0.4959% | 4,054 |
| Pretax return on assets | 0.5446% | 4,108 |
| Return on Equity (ROE) | 7.9900% | 3,390 |
| Retained earnings to average equity (ytd only) | 1.2055% | 4,157 |
| Net charge-offs to loans | 0.0071% | 2,138 |
| Credit loss provision to net charge-offs | 80.0000% | 1,683 |
| Earnings coverage of net charge-offs (x) | 145.8000% | 805 |
| Efficiency ratio | 81.9733% | 595 |
| Assets per employee ($millions) | 5.3954% | 3,323 |
| Cash dividends to net income (ytd only)* | 84.9057% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,157 |
| Loan loss allowance to noncurrent loans | 3,070.4918% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,603 |
| Noncurrent loans to loans | 0.0407% | 3,480 |
| Net loans and leases to total assets | 56.0200% | 3,029 |
| Net loans and leases to deposits | 59.9491% | 3,330 |
| Net loans and leases to core deposits | 60.4754% | 3,481 |
| Total domestic deposits to total assets | 93.4400% | 319 |
| Equity capital to assets | 4.8484% | 4,396 |
| Core capital (leverage) ratio | 8.9701% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0830% | 1,115 |
| Memoranda: | ||
| Average total assets | $267,179,600 | 2,625 |
| Average earning assets | $252,426,400 | 2,595 |
| Average equity | $16,591,200 | 3,232 |
| Average total loans | $140,328,200 | 2,724 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1568% | 3,546 |
| Cost of funding earning assets | 0.2557% | 2,645 |
| Net interest margin | 2.9011% | 3,496 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.4533% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4463% | 4,172 |
| Return on assets (ROA) | 0.4484% | 4,113 |
| Pretax return on assets | 0.5132% | 4,129 |
| Return on Equity (ROE) | 6.8500% | 3,624 |
| Retained earnings to average equity (ytd only) | 0.4334% | 4,280 |
| Net charge-offs to loans | -0.0058% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.6597% | 622 |
| Assets per employee ($millions) | 5.3541% | 3,368 |
| Cash dividends to net income (ytd only)* | 93.6737% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,027 |
| Loan loss allowance to noncurrent loans | 2,862.1212% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,685 |
| Noncurrent loans to loans | 0.0454% | 3,563 |
| Net loans and leases to total assets | 54.6800% | 3,031 |
| Net loans and leases to deposits | 57.3315% | 3,387 |
| Net loans and leases to core deposits | 58.0665% | 3,498 |
| Total domestic deposits to total assets | 95.3800% | 182 |
| Equity capital to assets | 4.3865% | 4,424 |
| Core capital (leverage) ratio | 8.9100% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3113% | 1,122 |
| Memoranda: | ||
| Average total assets | $267,880,500 | 2,637 |
| Average earning assets | $252,355,500 | 2,623 |
| Average equity | $17,534,500 | 3,195 |
| Average total loans | $137,917,750 | 2,754 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0673% | 3,383 |
| Cost of funding earning assets | 0.2389% | 2,404 |
| Net interest margin | 2.8284% | 3,357 |
| Noninterest income to average assets | 0.2351% | 3,771 |
| Noninterest expense to average assets | 2.4247% | 2,156 |
| Loan and lease loss provision to assets | 0.0059% | 2,495 |
| Net operating income to assets | 0.3891% | 4,127 |
| Return on assets (ROA) | 0.3923% | 4,074 |
| Pretax return on assets | 0.4590% | 4,066 |
| Return on Equity (ROE) | 5.4136% | 3,728 |
| Retained earnings to average equity (ytd only) | -0.3377% | 4,220 |
| Net charge-offs to loans | -0.0281% | 4,016 |
| Credit loss provision to net charge-offs | -42.1053% | 3,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0185% | 678 |
| Assets per employee ($millions) | 5.2712% | 3,454 |
| Cash dividends to net income (ytd only)* | 106.2382% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,948 |
| Loan loss allowance to noncurrent loans | 2,348.1481% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,671 |
| Noncurrent loans to loans | 0.0575% | 3,521 |
| Net loans and leases to total assets | 52.6831% | 3,093 |
| Net loans and leases to deposits | 55.9653% | 3,379 |
| Net loans and leases to core deposits | 56.7459% | 3,508 |
| Total domestic deposits to total assets | 94.1353% | 260 |
| Equity capital to assets | 5.7649% | 4,284 |
| Core capital (leverage) ratio | 8.9494% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,723,333 | 2,652 |
| Average earning assets | $252,792,333 | 2,651 |
| Average equity | $19,543,333 | 3,108 |
| Average total loans | $135,441,000 | 2,792 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9909% | 3,280 |
| Cost of funding earning assets | 0.2436% | 2,231 |
| Net interest margin | 2.7473% | 3,288 |
| Noninterest income to average assets | 0.2331% | 3,749 |
| Noninterest expense to average assets | 2.3826% | 2,227 |
| Loan and lease loss provision to assets | 0.0117% | 2,128 |
| Net operating income to assets | 0.3298% | 4,087 |
| Return on assets (ROA) | 0.3358% | 4,049 |
| Pretax return on assets | 0.4091% | 4,018 |
| Return on Equity (ROE) | 4.2177% | 3,822 |
| Retained earnings to average equity (ytd only) | -0.9577% | 4,139 |
| Net charge-offs to loans | -0.0090% | 3,543 |
| Credit loss provision to net charge-offs | -266.6667% | 3,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2124% | 778 |
| Assets per employee ($millions) | 5.3516% | 3,447 |
| Cash dividends to net income (ytd only)* | 122.7074% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,869 |
| Loan loss allowance to noncurrent loans | 2,329.6296% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,734 |
| Noncurrent loans to loans | 0.0605% | 3,552 |
| Net loans and leases to total assets | 49.3000% | 3,246 |
| Net loans and leases to deposits | 53.0232% | 3,494 |
| Net loans and leases to core deposits | 53.9803% | 3,592 |
| Total domestic deposits to total assets | 92.9781% | 277 |
| Equity capital to assets | 6.9281% | 4,242 |
| Core capital (leverage) ratio | 8.8539% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,805,500 | 2,642 |
| Average earning assets | $254,507,000 | 2,656 |
| Average equity | $21,718,000 | 3,008 |
| Average total loans | $132,785,000 | 2,820 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 2,307 |
| Cost of funding earning assets | 0.2975% | 2,432 |
| Net interest margin | 3.3325% | 2,230 |
| Noninterest income to average assets | 0.2744% | 3,755 |
| Noninterest expense to average assets | 2.5120% | 2,144 |
| Loan and lease loss provision to assets | 0.0425% | 2,200 |
| Net operating income to assets | 0.7048% | 3,614 |
| Return on assets (ROA) | 0.7167% | 3,640 |
| Pretax return on assets | 0.7860% | 3,754 |
| Return on Equity (ROE) | 7.4861% | 3,378 |
| Retained earnings to average equity (ytd only) | 3.0629% | 3,609 |
| Net charge-offs to loans | -0.0208% | 3,998 |
| Credit loss provision to net charge-offs | -403.5714% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4950% | 1,154 |
| Assets per employee ($millions) | 5.5607% | 3,205 |
| Cash dividends to net income (ytd only)* | 59.0861% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,827 |
| Loan loss allowance to noncurrent loans | 860.5505% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,402 |
| Noncurrent loans to loans | 0.1654% | 3,117 |
| Net loans and leases to total assets | 46.7178% | 3,633 |
| Net loans and leases to deposits | 51.3854% | 3,773 |
| Net loans and leases to core deposits | 52.2452% | 3,876 |
| Total domestic deposits to total assets | 90.9165% | 522 |
| Equity capital to assets | 8.9551% | 3,670 |
| Core capital (leverage) ratio | 8.9268% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,646,800 | 2,633 |
| Average earning assets | $243,359,600 | 2,661 |
| Average equity | $25,433,800 | 2,819 |
| Average total loans | $134,648,200 | 2,787 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 2,042 |
| Cost of funding earning assets | 0.3125% | 2,475 |
| Net interest margin | 3.4743% | 1,945 |
| Noninterest income to average assets | 0.2996% | 3,640 |
| Noninterest expense to average assets | 2.3543% | 2,589 |
| Loan and lease loss provision to assets | 0.0457% | 2,082 |
| Net operating income to assets | 1.0165% | 2,848 |
| Return on assets (ROA) | 1.0334% | 2,858 |
| Pretax return on assets | 1.0847% | 3,229 |
| Return on Equity (ROE) | 10.6121% | 2,516 |
| Retained earnings to average equity (ytd only) | 6.2108% | 2,738 |
| Net charge-offs to loans | -0.0236% | 4,037 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9068% | 1,846 |
| Assets per employee ($millions) | 5.3405% | 3,364 |
| Cash dividends to net income (ytd only)* | 41.4742% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,215 |
| Loan loss allowance to noncurrent loans | 1,554.6218% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,854 |
| Noncurrent loans to loans | 0.0870% | 3,648 |
| Net loans and leases to total assets | 50.5552% | 3,342 |
| Net loans and leases to deposits | 56.0462% | 3,575 |
| Net loans and leases to core deposits | 56.8465% | 3,711 |
| Total domestic deposits to total assets | 90.2027% | 682 |
| Equity capital to assets | 9.6628% | 3,235 |
| Core capital (leverage) ratio | 9.3962% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,550,250 | 2,676 |
| Average earning assets | $239,353,000 | 2,706 |
| Average equity | $25,567,750 | 2,843 |
| Average total loans | $135,368,500 | 2,821 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 3,270 |
| Cost of funding earning assets | 0.3246% | 2,548 |
| Net interest margin | 3.0436% | 3,196 |
| Noninterest income to average assets | 0.2735% | 3,766 |
| Noninterest expense to average assets | 2.3688% | 2,557 |
| Loan and lease loss provision to assets | 0.0521% | 1,991 |
| Net operating income to assets | 0.5752% | 4,035 |
| Return on assets (ROA) | 0.5999% | 4,038 |
| Pretax return on assets | 0.6520% | 4,156 |
| Return on Equity (ROE) | 6.1437% | 3,869 |
| Retained earnings to average equity (ytd only) | 1.7340% | 4,181 |
| Net charge-offs to loans | -0.0237% | 4,055 |
| Credit loss provision to net charge-offs | -425.0000% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7666% | 926 |
| Assets per employee ($millions) | 5.5655% | 3,044 |
| Cash dividends to net income (ytd only)* | 71.7752% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,547 |
| Loan loss allowance to noncurrent loans | 1,388.5496% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,918 |
| Noncurrent loans to loans | 0.0920% | 3,715 |
| Net loans and leases to total assets | 53.7335% | 3,161 |
| Net loans and leases to deposits | 59.6026% | 3,425 |
| Net loans and leases to core deposits | 60.4711% | 3,589 |
| Total domestic deposits to total assets | 90.1529% | 699 |
| Equity capital to assets | 9.7133% | 3,126 |
| Core capital (leverage) ratio | 9.1161% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,059,333 | 2,677 |
| Average earning assets | $237,814,000 | 2,703 |
| Average equity | $25,489,667 | 2,841 |
| Average total loans | $134,876,667 | 2,832 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3625% | 3,301 |
| Cost of funding earning assets | 0.3403% | 2,612 |
| Net interest margin | 3.0222% | 3,203 |
| Noninterest income to average assets | 0.2745% | 3,751 |
| Noninterest expense to average assets | 2.4157% | 2,451 |
| Loan and lease loss provision to assets | 0.0690% | 1,773 |
| Net operating income to assets | 0.5064% | 4,167 |
| Return on assets (ROA) | 0.5552% | 4,098 |
| Pretax return on assets | 0.6089% | 4,182 |
| Return on Equity (ROE) | 5.6716% | 3,958 |
| Retained earnings to average equity (ytd only) | 1.2691% | 4,166 |
| Net charge-offs to loans | -0.0244% | 4,091 |
| Credit loss provision to net charge-offs | -562.5000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4652% | 853 |
| Assets per employee ($millions) | 5.6064% | 3,015 |
| Cash dividends to net income (ytd only)* | 77.6243% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,324 |
| Loan loss allowance to noncurrent loans | 788.1057% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,764 |
| Noncurrent loans to loans | 0.1680% | 3,507 |
| Net loans and leases to total assets | 50.5939% | 3,575 |
| Net loans and leases to deposits | 55.9846% | 3,790 |
| Net loans and leases to core deposits | 56.7680% | 3,923 |
| Total domestic deposits to total assets | 90.3712% | 632 |
| Equity capital to assets | 9.4941% | 3,207 |
| Core capital (leverage) ratio | 9.2332% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,799,000 | 2,666 |
| Average earning assets | $238,633,000 | 2,685 |
| Average equity | $25,530,500 | 2,833 |
| Average total loans | $131,127,500 | 2,884 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,046 |
| Cost of funding earning assets | 0.4475% | 3,297 |
| Net interest margin | 3.4453% | 2,637 |
| Noninterest income to average assets | 0.3131% | 3,591 |
| Noninterest expense to average assets | 2.6083% | 2,526 |
| Loan and lease loss provision to assets | 0.0256% | 4,077 |
| Net operating income to assets | 0.8201% | 3,014 |
| Return on assets (ROA) | 0.8225% | 3,129 |
| Pretax return on assets | 0.8780% | 3,431 |
| Return on Equity (ROE) | 7.5777% | 2,970 |
| Retained earnings to average equity (ytd only) | 0.8961% | 4,260 |
| Net charge-offs to loans | 0.0602% | 1,913 |
| Credit loss provision to net charge-offs | 77.9221% | 2,998 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 1,684 |
| Efficiency ratio | 74.3253% | 1,403 |
| Assets per employee ($millions) | 5.3770% | 2,980 |
| Cash dividends to net income (ytd only)* | 88.1743% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 2,121 |
| Loan loss allowance to noncurrent loans | 660.0760% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 3,722 |
| Noncurrent loans to loans | 0.2068% | 3,461 |
| Net loans and leases to total assets | 48.5920% | 3,932 |
| Net loans and leases to deposits | 54.1464% | 4,106 |
| Net loans and leases to core deposits | 54.9861% | 4,207 |
| Total domestic deposits to total assets | 89.7419% | 657 |
| Equity capital to assets | 10.0907% | 3,045 |
| Core capital (leverage) ratio | 9.3671% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,407,800 | 2,689 |
| Average earning assets | $217,454,200 | 2,689 |
| Average equity | $25,443,200 | 2,770 |
| Average total loans | $127,879,200 | 2,890 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,411 |
| Cost of funding earning assets | 0.4765% | 3,383 |
| Net interest margin | 3.3747% | 2,991 |
| Noninterest income to average assets | 0.3122% | 3,619 |
| Noninterest expense to average assets | 2.6965% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7522% | 3,277 |
| Return on assets (ROA) | 0.7522% | 3,384 |
| Pretax return on assets | 0.7568% | 3,758 |
| Return on Equity (ROE) | 6.7949% | 3,275 |
| Retained earnings to average equity (ytd only) | 0.0738% | 4,466 |
| Net charge-offs to loans | 0.0833% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 16.2125% | 2,064 |
| Efficiency ratio | 78.0838% | 1,026 |
| Assets per employee ($millions) | 5.1495% | 3,066 |
| Cash dividends to net income (ytd only)* | 98.9139% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,349 |
| Loan loss allowance to noncurrent loans | 294.8854% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,227 |
| Noncurrent loans to loans | 0.4273% | 2,778 |
| Net loans and leases to total assets | 53.0096% | 3,889 |
| Net loans and leases to deposits | 60.4574% | 4,027 |
| Net loans and leases to core deposits | 61.3862% | 4,139 |
| Total domestic deposits to total assets | 87.6808% | 1,352 |
| Equity capital to assets | 10.4812% | 2,806 |
| Core capital (leverage) ratio | 9.6480% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,485,250 | 2,713 |
| Average earning assets | $212,674,000 | 2,711 |
| Average equity | $25,293,000 | 2,771 |
| Average total loans | $128,061,250 | 2,891 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 3,585 |
| Cost of funding earning assets | 0.5166% | 3,432 |
| Net interest margin | 3.3946% | 3,120 |
| Noninterest income to average assets | 0.3186% | 3,558 |
| Noninterest expense to average assets | 2.7374% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7469% | 3,221 |
| Return on assets (ROA) | 0.7469% | 3,336 |
| Pretax return on assets | 0.7505% | 3,738 |
| Return on Equity (ROE) | 6.6166% | 3,283 |
| Retained earnings to average equity (ytd only) | -0.1594% | 4,339 |
| Net charge-offs to loans | 0.1265% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.4250% | 2,151 |
| Efficiency ratio | 78.4830% | 1,006 |
| Assets per employee ($millions) | 4.7812% | 3,433 |
| Cash dividends to net income (ytd only)* | 102.4096% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,280 |
| Loan loss allowance to noncurrent loans | 279.5987% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 3,310 |
| Noncurrent loans to loans | 0.4455% | 2,820 |
| Net loans and leases to total assets | 55.4534% | 3,736 |
| Net loans and leases to deposits | 63.5041% | 3,920 |
| Net loans and leases to core deposits | 64.4213% | 4,052 |
| Total domestic deposits to total assets | 87.3225% | 1,487 |
| Equity capital to assets | 10.8290% | 2,478 |
| Core capital (leverage) ratio | 10.2047% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,255,000 | 2,735 |
| Average earning assets | $207,507,333 | 2,728 |
| Average equity | $25,088,333 | 2,774 |
| Average total loans | $126,515,333 | 2,899 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,598 |
| Cost of funding earning assets | 0.5735% | 3,571 |
| Net interest margin | 3.4990% | 2,990 |
| Noninterest income to average assets | 0.3404% | 3,483 |
| Noninterest expense to average assets | 2.8487% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7650% | 3,037 |
| Return on assets (ROA) | 0.7650% | 3,114 |
| Pretax return on assets | 0.7669% | 3,500 |
| Return on Equity (ROE) | 6.6266% | 3,095 |
| Retained earnings to average equity (ytd only) | -0.2592% | 4,032 |
| Net charge-offs to loans | 0.1239% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 10.7895% | 1,750 |
| Efficiency ratio | 78.7894% | 1,257 |
| Assets per employee ($millions) | 4.1778% | 3,686 |
| Cash dividends to net income (ytd only)* | 103.9120% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 1,673 |
| Loan loss allowance to noncurrent loans | 186.9138% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 2,749 |
| Noncurrent loans to loans | 0.7521% | 2,122 |
| Net loans and leases to total assets | 56.4200% | 3,805 |
| Net loans and leases to deposits | 64.0327% | 3,984 |
| Net loans and leases to core deposits | 65.8622% | 4,091 |
| Total domestic deposits to total assets | 88.1113% | 1,065 |
| Equity capital to assets | 11.6672% | 2,318 |
| Core capital (leverage) ratio | 11.1026% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,851,500 | 2,762 |
| Average earning assets | $200,169,500 | 2,739 |
| Average equity | $24,688,500 | 2,798 |
| Average total loans | $122,653,000 | 2,924 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 4,037 |
| Cost of funding earning assets | 0.5833% | 3,704 |
| Net interest margin | 3.5173% | 3,398 |
| Noninterest income to average assets | 0.3789% | 3,433 |
| Noninterest expense to average assets | 2.8577% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8263% | 3,468 |
| Return on assets (ROA) | 0.8665% | 3,421 |
| Pretax return on assets | 0.8684% | 3,828 |
| Return on Equity (ROE) | 7.6047% | 3,318 |
| Retained earnings to average equity (ytd only) | 0.4582% | 4,555 |
| Net charge-offs to loans | -0.0476% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5309% | 1,201 |
| Assets per employee ($millions) | 4.2085% | 3,628 |
| Cash dividends to net income (ytd only)* | 93.9746% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 1,456 |
| Loan loss allowance to noncurrent loans | 217.5155% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 2,911 |
| Noncurrent loans to loans | 0.6525% | 2,261 |
| Net loans and leases to total assets | 56.6674% | 3,872 |
| Net loans and leases to deposits | 64.1288% | 4,067 |
| Net loans and leases to core deposits | 66.8473% | 4,144 |
| Total domestic deposits to total assets | 88.3649% | 955 |
| Equity capital to assets | 11.4231% | 2,600 |
| Core capital (leverage) ratio | 10.9125% | 2,578 |
| Tier 1 risk-based capital ratio | 19.7173% | 1,364 |
| Total risk-based capital ratio | 20.9699% | 1,338 |
| Memoranda: | ||
| Average total assets | $208,769,000 | 2,770 |
| Average earning assets | $196,287,800 | 2,739 |
| Average equity | $23,788,000 | 2,815 |
| Average total loans | $117,658,000 | 2,968 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 4,204 |
| Cost of funding earning assets | 0.5739% | 3,804 |
| Net interest margin | 3.5043% | 3,550 |
| Noninterest income to average assets | 0.3782% | 3,448 |
| Noninterest expense to average assets | 2.9123% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7557% | 3,834 |
| Return on assets (ROA) | 0.7557% | 3,898 |
| Pretax return on assets | 0.7570% | 4,223 |
| Return on Equity (ROE) | 6.6367% | 3,825 |
| Retained earnings to average equity (ytd only) | 1.0958% | 4,545 |
| Net charge-offs to loans | -0.0413% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3690% | 975 |
| Assets per employee ($millions) | 4.0660% | 3,810 |
| Cash dividends to net income (ytd only)* | 83.4894% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,563 |
| Loan loss allowance to noncurrent loans | 182.9989% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 2,764 |
| Noncurrent loans to loans | 0.7663% | 2,054 |
| Net loans and leases to total assets | 56.5401% | 4,009 |
| Net loans and leases to deposits | 64.0637% | 4,167 |
| Net loans and leases to core deposits | 67.6968% | 4,185 |
| Total domestic deposits to total assets | 88.2561% | 937 |
| Equity capital to assets | 11.4534% | 2,695 |
| Core capital (leverage) ratio | 10.9898% | 2,649 |
| Tier 1 risk-based capital ratio | 19.7660% | 1,410 |
| Total risk-based capital ratio | 21.0189% | 1,370 |
| Memoranda: | ||
| Average total assets | $207,302,500 | 2,802 |
| Average earning assets | $194,690,250 | 2,771 |
| Average equity | $23,605,500 | 2,837 |
| Average total loans | $116,227,750 | 3,013 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 4,284 |
| Cost of funding earning assets | 0.5414% | 3,927 |
| Net interest margin | 3.5084% | 3,572 |
| Noninterest income to average assets | 0.3999% | 3,274 |
| Noninterest expense to average assets | 2.9995% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6824% | 4,060 |
| Return on assets (ROA) | 0.6824% | 4,112 |
| Pretax return on assets | 0.6824% | 4,370 |
| Return on Equity (ROE) | 6.0052% | 4,047 |
| Retained earnings to average equity (ytd only) | 0.3785% | 4,597 |
| Net charge-offs to loans | -0.0422% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4657% | 842 |
| Assets per employee ($millions) | 3.9946% | 3,865 |
| Cash dividends to net income (ytd only)* | 93.6963% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,399 |
| Loan loss allowance to noncurrent loans | 175.6122% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 2,617 |
| Noncurrent loans to loans | 0.8289% | 1,933 |
| Net loans and leases to total assets | 55.0339% | 4,138 |
| Net loans and leases to deposits | 62.2818% | 4,319 |
| Net loans and leases to core deposits | 66.9388% | 4,266 |
| Total domestic deposits to total assets | 88.3627% | 937 |
| Equity capital to assets | 11.4371% | 2,659 |
| Core capital (leverage) ratio | 11.4872% | 2,178 |
| Tier 1 risk-based capital ratio | 20.1870% | 1,311 |
| Total risk-based capital ratio | 21.4401% | 1,285 |
| Memoranda: | ||
| Average total assets | $204,570,000 | 2,833 |
| Average earning assets | $191,370,330 | 2,812 |
| Average equity | $23,246,670 | 2,858 |
| Average total loans | $113,778,000 | 3,074 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 4,263 |
| Cost of funding earning assets | 0.5044% | 4,038 |
| Net interest margin | 3.5439% | 3,448 |
| Noninterest income to average assets | 0.3881% | 3,269 |
| Noninterest expense to average assets | 3.0806% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6070% | 4,218 |
| Return on assets (ROA) | 0.6070% | 4,258 |
| Pretax return on assets | 0.6070% | 4,500 |
| Return on Equity (ROE) | 5.3596% | 4,235 |
| Retained earnings to average equity (ytd only) | -0.3866% | 4,583 |
| Net charge-offs to loans | -0.0681% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5402% | 745 |
| Assets per employee ($millions) | 3.7330% | 4,297 |
| Cash dividends to net income (ytd only)* | 107.2131% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,328 |
| Loan loss allowance to noncurrent loans | 169.2991% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,543 |
| Noncurrent loans to loans | 0.8885% | 1,878 |
| Net loans and leases to total assets | 55.7101% | 4,085 |
| Net loans and leases to deposits | 63.1584% | 4,237 |
| Net loans and leases to core deposits | 64.2449% | 4,366 |
| Total domestic deposits to total assets | 88.2068% | 1,234 |
| Equity capital to assets | 11.5918% | 2,316 |
| Core capital (leverage) ratio | 11.6858% | 1,994 |
| Tier 1 risk-based capital ratio | 20.7323% | 1,210 |
| Total risk-based capital ratio | 21.9862% | 1,181 |
| Memoranda: | ||
| Average total assets | $200,997,500 | 2,896 |
| Average earning assets | $187,137,500 | 2,883 |
| Average equity | $22,763,000 | 2,906 |
| Average total loans | $111,549,000 | 3,141 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 4,047 |
| Cost of funding earning assets | 0.4611% | 3,603 |
| Net interest margin | 3.5329% | 3,593 |
| Noninterest income to average assets | 0.3799% | 3,556 |
| Noninterest expense to average assets | 2.8759% | 2,431 |
| Loan and lease loss provision to assets | 0.0203% | 3,756 |
| Net operating income to assets | 0.7898% | 3,841 |
| Return on assets (ROA) | 0.7898% | 3,844 |
| Pretax return on assets | 0.7943% | 4,185 |
| Return on Equity (ROE) | 7.1260% | 3,783 |
| Retained earnings to average equity (ytd only) | 1.3027% | 4,614 |
| Net charge-offs to loans | 0.0701% | 2,114 |
| Credit loss provision to net charge-offs | 49.3827% | 3,200 |
| Earnings coverage of net charge-offs (x) | 19.8519% | 2,034 |
| Efficiency ratio | 77.9272% | 1,137 |
| Assets per employee ($millions) | 3.7814% | 4,208 |
| Cash dividends to net income (ytd only)* | 81.7191% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,131 |
| Loan loss allowance to noncurrent loans | 161.6778% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 2,406 |
| Noncurrent loans to loans | 0.9617% | 1,684 |
| Net loans and leases to total assets | 53.5821% | 4,312 |
| Net loans and leases to deposits | 60.3738% | 4,457 |
| Net loans and leases to core deposits | 61.4113% | 4,564 |
| Total domestic deposits to total assets | 88.7507% | 966 |
| Equity capital to assets | 11.0567% | 2,628 |
| Core capital (leverage) ratio | 11.7817% | 1,890 |
| Tier 1 risk-based capital ratio | 23.2309% | 892 |
| Total risk-based capital ratio | 24.4862% | 864 |
| Memoranda: | ||
| Average total assets | $197,402,200 | 2,898 |
| Average earning assets | $184,975,000 | 2,870 |
| Average equity | $21,877,600 | 2,904 |
| Average total loans | $115,620,000 | 3,050 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 3,976 |
| Cost of funding earning assets | 0.4524% | 3,507 |
| Net interest margin | 3.5300% | 3,596 |
| Noninterest income to average assets | 0.3797% | 3,600 |
| Noninterest expense to average assets | 2.8253% | 2,551 |
| Loan and lease loss provision to assets | 0.0271% | 3,469 |
| Net operating income to assets | 0.8339% | 3,803 |
| Return on assets (ROA) | 0.8339% | 3,810 |
| Pretax return on assets | 0.8387% | 4,196 |
| Return on Equity (ROE) | 7.5203% | 3,742 |
| Retained earnings to average equity (ytd only) | 1.7914% | 4,641 |
| Net charge-offs to loans | -0.0250% | 4,690 |
| Credit loss provision to net charge-offs | -181.8182% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5430% | 1,286 |
| Assets per employee ($millions) | 3.7417% | 4,249 |
| Cash dividends to net income (ytd only)* | 76.1787% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,051 |
| Loan loss allowance to noncurrent loans | 63.2431% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 888 |
| Noncurrent loans to loans | 2.5498% | 508 |
| Net loans and leases to total assets | 56.3815% | 4,181 |
| Net loans and leases to deposits | 63.5557% | 4,358 |
| Net loans and leases to core deposits | 64.7815% | 4,471 |
| Total domestic deposits to total assets | 88.7120% | 949 |
| Equity capital to assets | 10.9843% | 2,679 |
| Core capital (leverage) ratio | 11.9088% | 1,836 |
| Tier 1 risk-based capital ratio | 23.0036% | 938 |
| Total risk-based capital ratio | 24.2601% | 912 |
| Memoranda: | ||
| Average total assets | $196,649,750 | 2,928 |
| Average earning assets | $184,473,500 | 2,897 |
| Average equity | $21,807,250 | 2,929 |
| Average total loans | $117,254,750 | 3,053 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 4,018 |
| Cost of funding earning assets | 0.4413% | 3,418 |
| Net interest margin | 3.4785% | 3,705 |
| Noninterest income to average assets | 0.3750% | 3,647 |
| Noninterest expense to average assets | 2.7921% | 2,681 |
| Loan and lease loss provision to assets | 0.0405% | 3,102 |
| Net operating income to assets | 0.8057% | 3,839 |
| Return on assets (ROA) | 0.8057% | 3,839 |
| Pretax return on assets | 0.8098% | 4,215 |
| Return on Equity (ROE) | 7.2430% | 3,819 |
| Retained earnings to average equity (ytd only) | 1.7857% | 4,533 |
| Net charge-offs to loans | 0.0973% | 1,379 |
| Credit loss provision to net charge-offs | 68.9655% | 2,363 |
| Earnings coverage of net charge-offs (x) | 14.4655% | 2,100 |
| Efficiency ratio | 76.6555% | 1,355 |
| Assets per employee ($millions) | 3.7671% | 4,254 |
| Cash dividends to net income (ytd only)* | 75.3459% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,408 |
| Loan loss allowance to noncurrent loans | 54.1732% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6651% | 747 |
| Noncurrent loans to loans | 2.7641% | 439 |
| Net loans and leases to total assets | 58.8931% | 3,910 |
| Net loans and leases to deposits | 66.5682% | 4,134 |
| Net loans and leases to core deposits | 67.8683% | 4,261 |
| Total domestic deposits to total assets | 88.4703% | 1,157 |
| Equity capital to assets | 11.3127% | 2,351 |
| Core capital (leverage) ratio | 11.9593% | 1,741 |
| Tier 1 risk-based capital ratio | 22.5750% | 978 |
| Total risk-based capital ratio | 23.8308% | 957 |
| Memoranda: | ||
| Average total assets | $197,343,330 | 2,929 |
| Average earning assets | $185,364,670 | 2,914 |
| Average equity | $21,952,330 | 2,930 |
| Average total loans | $119,173,330 | 3,047 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,977 |
| Cost of funding earning assets | 0.4395% | 3,290 |
| Net interest margin | 3.4437% | 3,730 |
| Noninterest income to average assets | 0.3741% | 3,636 |
| Noninterest expense to average assets | 2.7906% | 2,722 |
| Loan and lease loss provision to assets | 0.0600% | 2,567 |
| Net operating income to assets | 0.7482% | 3,911 |
| Return on assets (ROA) | 0.7482% | 3,913 |
| Pretax return on assets | 0.7522% | 4,286 |
| Return on Equity (ROE) | 6.7810% | 3,867 |
| Retained earnings to average equity (ytd only) | 0.6709% | 4,697 |
| Net charge-offs to loans | 0.1418% | 965 |
| Credit loss provision to net charge-offs | 69.7674% | 1,830 |
| Earnings coverage of net charge-offs (x) | 9.4419% | 1,966 |
| Efficiency ratio | 77.4570% | 1,408 |
| Assets per employee ($millions) | 3.7556% | 4,344 |
| Cash dividends to net income (ytd only)* | 90.1070% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,683 |
| Loan loss allowance to noncurrent loans | 49.2994% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8030% | 675 |
| Noncurrent loans to loans | 2.9283% | 414 |
| Net loans and leases to total assets | 60.2678% | 3,728 |
| Net loans and leases to deposits | 67.9544% | 3,951 |
| Net loans and leases to core deposits | 69.2539% | 4,127 |
| Total domestic deposits to total assets | 88.6886% | 1,261 |
| Equity capital to assets | 11.0758% | 2,506 |
| Core capital (leverage) ratio | 11.6703% | 1,879 |
| Tier 1 risk-based capital ratio | 21.6167% | 1,110 |
| Total risk-based capital ratio | 22.8710% | 1,079 |
| Memoranda: | ||
| Average total assets | $199,954,500 | 2,932 |
| Average earning assets | $187,472,500 | 2,914 |
| Average equity | $22,061,500 | 2,956 |
| Average total loans | $121,327,000 | 3,045 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 2,535 |
| Cost of funding earning assets | 0.4274% | 2,978 |
| Net interest margin | 3.8128% | 2,379 |
| Noninterest income to average assets | 0.3081% | 4,253 |
| Noninterest expense to average assets | 2.7428% | 2,987 |
| Loan and lease loss provision to assets | 0.0603% | 3,028 |
| Net operating income to assets | 1.0503% | 2,047 |
| Return on assets (ROA) | 1.0015% | 2,273 |
| Pretax return on assets | 1.0066% | 3,539 |
| Return on Equity (ROE) | 8.8442% | 2,386 |
| Retained earnings to average equity (ytd only) | 0.8565% | 4,689 |
| Net charge-offs to loans | 0.2510% | 1,042 |
| Credit loss provision to net charge-offs | 36.9231% | 3,468 |
| Earnings coverage of net charge-offs (x) | 6.8308% | 3,130 |
| Efficiency ratio | 71.0862% | 2,382 |
| Assets per employee ($millions) | 4.0121% | 3,939 |
| Cash dividends to net income (ytd only)* | 90.3161% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,728 |
| Loan loss allowance to noncurrent loans | 49.6569% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.7095% | 746 |
| Noncurrent loans to loans | 2.8385% | 407 |
| Net loans and leases to total assets | 59.3767% | 3,894 |
| Net loans and leases to deposits | 66.8744% | 4,117 |
| Net loans and leases to core deposits | 68.1303% | 4,282 |
| Total domestic deposits to total assets | 88.7884% | 1,092 |
| Equity capital to assets | 10.9926% | 2,629 |
| Core capital (leverage) ratio | 11.5604% | 1,902 |
| Tier 1 risk-based capital ratio | 20.6758% | 1,202 |
| Total risk-based capital ratio | 21.9298% | 1,176 |
| Memoranda: | ||
| Average total assets | $198,992,600 | 2,931 |
| Average earning assets | $185,296,800 | 2,909 |
| Average equity | $22,534,600 | 2,899 |
| Average total loans | $129,503,800 | 2,922 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,831 |
| Cost of funding earning assets | 0.4261% | 2,916 |
| Net interest margin | 4.0121% | 1,660 |
| Noninterest income to average assets | 0.3097% | 4,308 |
| Noninterest expense to average assets | 2.9374% | 2,289 |
| Loan and lease loss provision to assets | 0.0607% | 2,866 |
| Net operating income to assets | 1.0419% | 2,366 |
| Return on assets (ROA) | 1.0419% | 2,403 |
| Pretax return on assets | 1.0473% | 3,500 |
| Return on Equity (ROE) | 9.1312% | 2,531 |
| Retained earnings to average equity (ytd only) | 1.1473% | 4,932 |
| Net charge-offs to loans | 0.0468% | 2,509 |
| Credit loss provision to net charge-offs | 195.6522% | 1,366 |
| Earnings coverage of net charge-offs (x) | 35.6967% | 1,405 |
| Efficiency ratio | 72.6105% | 2,117 |
| Assets per employee ($millions) | 3.9378% | 4,095 |
| Cash dividends to net income (ytd only)* | 87.4353% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,346 |
| Loan loss allowance to noncurrent loans | 96.7836% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0971% | 1,515 |
| Noncurrent loans to loans | 1.6069% | 1,142 |
| Net loans and leases to total assets | 63.8478% | 3,426 |
| Net loans and leases to deposits | 72.5164% | 3,719 |
| Net loans and leases to core deposits | 73.9423% | 3,978 |
| Total domestic deposits to total assets | 88.0461% | 1,341 |
| Equity capital to assets | 11.6111% | 2,265 |
| Core capital (leverage) ratio | 11.7043% | 1,876 |
| Tier 1 risk-based capital ratio | 19.9825% | 1,365 |
| Total risk-based capital ratio | 21.2389% | 1,327 |
| Memoranda: | ||
| Average total assets | $197,586,000 | 2,970 |
| Average earning assets | $183,973,750 | 2,949 |
| Average equity | $22,545,000 | 2,920 |
| Average total loans | $131,071,500 | 2,926 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 2,023 |
| Cost of funding earning assets | 0.4258% | 2,841 |
| Net interest margin | 3.9074% | 1,902 |
| Noninterest income to average assets | 0.3175% | 4,275 |
| Noninterest expense to average assets | 2.8248% | 2,667 |
| Loan and lease loss provision to assets | 0.0607% | 2,750 |
| Net operating income to assets | 1.0545% | 2,188 |
| Return on assets (ROA) | 1.0545% | 2,229 |
| Pretax return on assets | 1.0596% | 3,344 |
| Return on Equity (ROE) | 9.2960% | 2,366 |
| Retained earnings to average equity (ytd only) | 1.2745% | 4,740 |
| Net charge-offs to loans | 0.0560% | 2,128 |
| Credit loss provision to net charge-offs | 162.1622% | 1,449 |
| Earnings coverage of net charge-offs (x) | 29.9459% | 1,464 |
| Efficiency ratio | 71.6043% | 2,415 |
| Assets per employee ($millions) | 3.7756% | 4,312 |
| Cash dividends to net income (ytd only)* | 86.2895% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,598 |
| Loan loss allowance to noncurrent loans | 141.4687% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 2,446 |
| Noncurrent loans to loans | 1.0557% | 1,862 |
| Net loans and leases to total assets | 66.0154% | 3,107 |
| Net loans and leases to deposits | 74.9234% | 3,453 |
| Net loans and leases to core deposits | 76.3985% | 3,738 |
| Total domestic deposits to total assets | 88.1105% | 1,402 |
| Equity capital to assets | 11.6537% | 2,187 |
| Core capital (leverage) ratio | 11.6903% | 1,835 |
| Tier 1 risk-based capital ratio | 19.5967% | 1,451 |
| Total risk-based capital ratio | 20.8522% | 1,409 |
| Memoranda: | ||
| Average total assets | $197,818,000 | 2,987 |
| Average earning assets | $183,650,670 | 2,968 |
| Average equity | $22,439,670 | 2,932 |
| Average total loans | $132,196,670 | 2,907 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 1,785 |
| Cost of funding earning assets | 0.4256% | 2,762 |
| Net interest margin | 3.9345% | 1,655 |
| Noninterest income to average assets | 0.3122% | 4,319 |
| Noninterest expense to average assets | 2.7639% | 2,912 |
| Loan and lease loss provision to assets | 0.0604% | 2,592 |
| Net operating income to assets | 1.1321% | 1,739 |
| Return on assets (ROA) | 1.1321% | 1,775 |
| Pretax return on assets | 1.1382% | 2,832 |
| Return on Equity (ROE) | 10.1172% | 1,919 |
| Retained earnings to average equity (ytd only) | 2.0162% | 4,332 |
| Net charge-offs to loans | 0.1389% | 1,108 |
| Credit loss provision to net charge-offs | 65.2174% | 1,872 |
| Earnings coverage of net charge-offs (x) | 12.9348% | 1,818 |
| Efficiency ratio | 69.7509% | 2,933 |
| Assets per employee ($millions) | 3.8104% | 4,330 |
| Cash dividends to net income (ytd only)* | 80.0712% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,758 |
| Loan loss allowance to noncurrent loans | 196.1303% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 3,246 |
| Noncurrent loans to loans | 0.7556% | 2,597 |
| Net loans and leases to total assets | 64.6191% | 3,179 |
| Net loans and leases to deposits | 73.0692% | 3,502 |
| Net loans and leases to core deposits | 74.7330% | 3,764 |
| Total domestic deposits to total assets | 88.4355% | 1,467 |
| Equity capital to assets | 11.3217% | 2,329 |
| Core capital (leverage) ratio | 11.5720% | 1,898 |
| Tier 1 risk-based capital ratio | 19.6327% | 1,472 |
| Total risk-based capital ratio | 20.8871% | 1,438 |
| Memoranda: | ||
| Average total assets | $198,560,500 | 3,009 |
| Average earning assets | $184,214,500 | 3,000 |
| Average equity | $22,219,500 | 2,965 |
| Average total loans | $132,507,500 | 2,927 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,809 |
| Cost of funding earning assets | 0.4310% | 2,697 |
| Net interest margin | 3.9718% | 1,725 |
| Noninterest income to average assets | 0.3051% | 4,559 |
| Noninterest expense to average assets | 2.5706% | 3,776 |
| Loan and lease loss provision to assets | 0.0605% | 3,165 |
| Net operating income to assets | 1.3448% | 1,107 |
| Return on assets (ROA) | 1.3524% | 1,149 |
| Pretax return on assets | 1.3569% | 2,076 |
| Return on Equity (ROE) | 11.4805% | 1,412 |
| Retained earnings to average equity (ytd only) | 0.0086% | 5,301 |
| Net charge-offs to loans | 0.0542% | 2,957 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 1,199 |
| Efficiency ratio | 64.5807% | 3,838 |
| Assets per employee ($millions) | 3.9016% | 4,139 |
| Cash dividends to net income (ytd only)* | 99.9254% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,927 |
| Loan loss allowance to noncurrent loans | 251.5544% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 3,716 |
| Noncurrent loans to loans | 0.5716% | 3,124 |
| Net loans and leases to total assets | 66.8962% | 2,944 |
| Net loans and leases to deposits | 75.4498% | 3,372 |
| Net loans and leases to core deposits | 77.1970% | 3,638 |
| Total domestic deposits to total assets | 88.6632% | 1,290 |
| Equity capital to assets | 11.0594% | 2,580 |
| Core capital (leverage) ratio | 11.4755% | 1,949 |
| Tier 1 risk-based capital ratio | 19.1347% | 1,561 |
| Total risk-based capital ratio | 20.3894% | 1,525 |
| Memoranda: | ||
| Average total assets | $198,321,200 | 2,971 |
| Average earning assets | $183,518,800 | 2,980 |
| Average equity | $23,361,400 | 2,862 |
| Average total loans | $132,948,400 | 2,879 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 1,853 |
| Cost of funding earning assets | 0.4303% | 2,736 |
| Net interest margin | 3.9720% | 1,739 |
| Noninterest income to average assets | 0.3102% | 4,549 |
| Noninterest expense to average assets | 2.5683% | 3,771 |
| Loan and lease loss provision to assets | 0.0606% | 3,040 |
| Net operating income to assets | 1.3410% | 1,187 |
| Return on assets (ROA) | 1.3511% | 1,242 |
| Pretax return on assets | 1.3558% | 2,214 |
| Return on Equity (ROE) | 11.2964% | 1,563 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,343 |
| Net charge-offs to loans | 0.0302% | 3,048 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 69.6650% | 859 |
| Efficiency ratio | 64.6182% | 3,835 |
| Assets per employee ($millions) | 3.9665% | 4,021 |
| Cash dividends to net income (ytd only)* | 49.3028% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 2,041 |
| Loan loss allowance to noncurrent loans | 194.2346% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,422 |
| Noncurrent loans to loans | 0.7386% | 2,828 |
| Net loans and leases to total assets | 67.6884% | 2,839 |
| Net loans and leases to deposits | 77.4279% | 3,251 |
| Net loans and leases to core deposits | 79.3220% | 3,519 |
| Total domestic deposits to total assets | 87.4212% | 1,706 |
| Equity capital to assets | 12.2572% | 1,936 |
| Core capital (leverage) ratio | 12.1443% | 1,578 |
| Tier 1 risk-based capital ratio | 19.7643% | 1,493 |
| Total risk-based capital ratio | 21.0188% | 1,455 |
| Memoranda: | ||
| Average total assets | $198,156,500 | 2,986 |
| Average earning assets | $182,808,750 | 2,997 |
| Average equity | $23,700,250 | 2,843 |
| Average total loans | $132,422,500 | 2,897 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 1,809 |
| Cost of funding earning assets | 0.4298% | 2,737 |
| Net interest margin | 3.9771% | 1,711 |
| Noninterest income to average assets | 0.3342% | 4,393 |
| Noninterest expense to average assets | 2.5835% | 3,779 |
| Loan and lease loss provision to assets | 0.0606% | 2,928 |
| Net operating income to assets | 1.3377% | 1,193 |
| Return on assets (ROA) | 1.3377% | 1,267 |
| Pretax return on assets | 1.3428% | 2,236 |
| Return on Equity (ROE) | 11.2779% | 1,551 |
| Retained earnings to average equity (ytd only) | 5.6602% | 2,327 |
| Net charge-offs to loans | 0.0091% | 3,391 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 231.6667% | 283 |
| Efficiency ratio | 64.8012% | 3,879 |
| Assets per employee ($millions) | 3.9272% | 4,044 |
| Cash dividends to net income (ytd only)* | 49.8113% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,999 |
| Loan loss allowance to noncurrent loans | 403.3126% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 4,508 |
| Noncurrent loans to loans | 0.3635% | 4,065 |
| Net loans and leases to total assets | 66.6833% | 2,981 |
| Net loans and leases to deposits | 76.2401% | 3,355 |
| Net loans and leases to core deposits | 78.1666% | 3,629 |
| Total domestic deposits to total assets | 87.4649% | 1,683 |
| Equity capital to assets | 12.2876% | 1,913 |
| Core capital (leverage) ratio | 11.9910% | 1,633 |
| Tier 1 risk-based capital ratio | 19.8971% | 1,481 |
| Total risk-based capital ratio | 21.1519% | 1,439 |
| Memoranda: | ||
| Average total assets | $198,100,330 | 2,994 |
| Average earning assets | $181,942,670 | 3,020 |
| Average equity | $23,497,330 | 2,873 |
| Average total loans | $131,164,330 | 2,918 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 2,065 |
| Cost of funding earning assets | 0.4268% | 2,796 |
| Net interest margin | 3.8915% | 1,957 |
| Noninterest income to average assets | 0.3217% | 4,430 |
| Noninterest expense to average assets | 2.6014% | 3,748 |
| Loan and lease loss provision to assets | 0.0603% | 2,743 |
| Net operating income to assets | 1.2122% | 1,516 |
| Return on assets (ROA) | 1.2122% | 1,617 |
| Pretax return on assets | 1.2163% | 2,636 |
| Return on Equity (ROE) | 10.4046% | 1,815 |
| Retained earnings to average equity (ytd only) | 4.7106% | 3,112 |
| Net charge-offs to loans | -0.0092% | 4,491 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0814% | 3,619 |
| Assets per employee ($millions) | 3.9791% | 3,986 |
| Cash dividends to net income (ytd only)* | 54.7264% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 2,095 |
| Loan loss allowance to noncurrent loans | 257.6203% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,005 |
| Noncurrent loans to loans | 0.5722% | 3,476 |
| Net loans and leases to total assets | 64.7326% | 3,147 |
| Net loans and leases to deposits | 73.5951% | 3,485 |
| Net loans and leases to core deposits | 75.4186% | 3,738 |
| Total domestic deposits to total assets | 87.9577% | 1,661 |
| Equity capital to assets | 11.8031% | 2,152 |
| Core capital (leverage) ratio | 11.5439% | 1,945 |
| Tier 1 risk-based capital ratio | 19.5413% | 1,606 |
| Total risk-based capital ratio | 20.7965% | 1,574 |
| Memoranda: | ||
| Average total assets | $198,970,000 | 2,998 |
| Average earning assets | $181,831,000 | 3,027 |
| Average equity | $23,182,000 | 2,904 |
| Average total loans | $130,302,500 | 2,930 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,232 |
| Cost of funding earning assets | 0.4482% | 2,640 |
| Net interest margin | 3.8529% | 2,192 |
| Noninterest income to average assets | 0.3190% | 4,613 |
| Noninterest expense to average assets | 2.4847% | 4,273 |
| Loan and lease loss provision to assets | 0.0618% | 3,064 |
| Net operating income to assets | 1.2936% | 1,280 |
| Return on assets (ROA) | 1.2936% | 1,330 |
| Pretax return on assets | 1.2993% | 2,286 |
| Return on Equity (ROE) | 11.2080% | 1,542 |
| Retained earnings to average equity (ytd only) | 5.3137% | 2,200 |
| Net charge-offs to loans | 0.1009% | 2,405 |
| Credit loss provision to net charge-offs | 93.7500% | 2,689 |
| Earnings coverage of net charge-offs (x) | 20.6328% | 1,867 |
| Efficiency ratio | 64.6073% | 4,149 |
| Assets per employee ($millions) | 4.1455% | 3,669 |
| Cash dividends to net income (ytd only)* | 52.5896% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 2,188 |
| Loan loss allowance to noncurrent loans | 269.8006% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 4,176 |
| Noncurrent loans to loans | 0.5405% | 3,543 |
| Net loans and leases to total assets | 64.3241% | 3,226 |
| Net loans and leases to deposits | 72.9032% | 3,627 |
| Net loans and leases to core deposits | 75.4891% | 3,800 |
| Total domestic deposits to total assets | 88.2322% | 1,520 |
| Equity capital to assets | 11.4990% | 2,359 |
| Core capital (leverage) ratio | 11.6061% | 1,889 |
| Tier 1 risk-based capital ratio | 19.3811% | 1,615 |
| Total risk-based capital ratio | 20.6358% | 1,574 |
| Memoranda: | ||
| Average total assets | $194,024,800 | 3,004 |
| Average earning assets | $177,607,600 | 3,024 |
| Average equity | $22,394,800 | 2,927 |
| Average total loans | $126,840,800 | 2,938 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,289 |
| Cost of funding earning assets | 0.4514% | 2,669 |
| Net interest margin | 3.8337% | 2,252 |
| Noninterest income to average assets | 0.3251% | 4,614 |
| Noninterest expense to average assets | 2.4282% | 4,422 |
| Loan and lease loss provision to assets | 0.0622% | 2,939 |
| Net operating income to assets | 1.3410% | 1,245 |
| Return on assets (ROA) | 1.3410% | 1,290 |
| Pretax return on assets | 1.3472% | 2,223 |
| Return on Equity (ROE) | 11.6071% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.6808% | 2,458 |
| Net charge-offs to loans | 0.0846% | 2,338 |
| Credit loss provision to net charge-offs | 112.5000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 25.4760% | 1,662 |
| Efficiency ratio | 63.2727% | 4,368 |
| Assets per employee ($millions) | 4.1543% | 3,611 |
| Cash dividends to net income (ytd only)* | 51.0573% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 2,292 |
| Loan loss allowance to noncurrent loans | 370.5426% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 4,713 |
| Noncurrent loans to loans | 0.3963% | 4,197 |
| Net loans and leases to total assets | 65.7088% | 3,058 |
| Net loans and leases to deposits | 74.6754% | 3,457 |
| Net loans and leases to core deposits | 77.7838% | 3,630 |
| Total domestic deposits to total assets | 87.9926% | 1,559 |
| Equity capital to assets | 11.7063% | 2,342 |
| Core capital (leverage) ratio | 11.6068% | 1,951 |
| Tier 1 risk-based capital ratio | 19.2063% | 1,725 |
| Total risk-based capital ratio | 20.4613% | 1,692 |
| Memoranda: | ||
| Average total assets | $192,785,250 | 3,042 |
| Average earning assets | $176,639,000 | 3,057 |
| Average equity | $22,273,250 | 2,958 |
| Average total loans | $126,079,000 | 2,974 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 2,311 |
| Cost of funding earning assets | 0.4517% | 2,704 |
| Net interest margin | 3.8124% | 2,263 |
| Noninterest income to average assets | 0.3240% | 4,629 |
| Noninterest expense to average assets | 2.3901% | 4,579 |
| Loan and lease loss provision to assets | 0.0625% | 2,865 |
| Net operating income to assets | 1.3555% | 1,180 |
| Return on assets (ROA) | 1.3555% | 1,224 |
| Pretax return on assets | 1.3628% | 2,136 |
| Return on Equity (ROE) | 11.7851% | 1,437 |
| Retained earnings to average equity (ytd only) | 5.8065% | 2,356 |
| Net charge-offs to loans | 0.0353% | 2,967 |
| Credit loss provision to net charge-offs | 272.7273% | 989 |
| Earnings coverage of net charge-offs (x) | 62.1818% | 825 |
| Efficiency ratio | 62.6434% | 4,568 |
| Assets per employee ($millions) | 4.0780% | 3,728 |
| Cash dividends to net income (ytd only)* | 50.7302% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 2,164 |
| Loan loss allowance to noncurrent loans | 326.5993% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 4,643 |
| Noncurrent loans to loans | 0.4683% | 4,077 |
| Net loans and leases to total assets | 65.1734% | 3,094 |
| Net loans and leases to deposits | 73.9337% | 3,498 |
| Net loans and leases to core deposits | 77.3476% | 3,635 |
| Total domestic deposits to total assets | 88.1511% | 1,575 |
| Equity capital to assets | 11.6104% | 2,321 |
| Core capital (leverage) ratio | 11.5935% | 1,927 |
| Tier 1 risk-based capital ratio | 19.5642% | 1,653 |
| Total risk-based capital ratio | 20.8198% | 1,618 |
| Memoranda: | ||
| Average total assets | $191,962,330 | 3,078 |
| Average earning assets | $175,795,670 | 3,088 |
| Average equity | $22,078,670 | 2,988 |
| Average total loans | $124,701,670 | 3,005 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 2,467 |
| Cost of funding earning assets | 0.4496% | 2,772 |
| Net interest margin | 3.7469% | 2,442 |
| Noninterest income to average assets | 0.3248% | 4,587 |
| Noninterest expense to average assets | 2.3924% | 4,619 |
| Loan and lease loss provision to assets | 0.0625% | 2,677 |
| Net operating income to assets | 1.2992% | 1,279 |
| Return on assets (ROA) | 1.2992% | 1,365 |
| Pretax return on assets | 1.3055% | 2,262 |
| Return on Equity (ROE) | 11.3498% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.3475% | 2,865 |
| Net charge-offs to loans | -0.0032% | 4,406 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6213% | 4,534 |
| Assets per employee ($millions) | 4.1138% | 3,735 |
| Cash dividends to net income (ytd only)* | 52.8846% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,201 |
| Loan loss allowance to noncurrent loans | 364.0301% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 4,850 |
| Noncurrent loans to loans | 0.4278% | 4,311 |
| Net loans and leases to total assets | 63.2013% | 3,211 |
| Net loans and leases to deposits | 71.5908% | 3,577 |
| Net loans and leases to core deposits | 74.8612% | 3,701 |
| Total domestic deposits to total assets | 88.2813% | 1,672 |
| Equity capital to assets | 11.5108% | 2,454 |
| Core capital (leverage) ratio | 11.5202% | 1,988 |
| Tier 1 risk-based capital ratio | 19.6472% | 1,701 |
| Total risk-based capital ratio | 20.9074% | 1,660 |
| Memoranda: | ||
| Average total assets | $192,111,500 | 3,092 |
| Average earning assets | $176,145,500 | 3,101 |
| Average equity | $21,991,500 | 3,022 |
| Average total loans | $123,625,500 | 3,026 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 1,990 |
| Cost of funding earning assets | 0.4984% | 2,694 |
| Net interest margin | 3.9708% | 1,973 |
| Noninterest income to average assets | 0.3523% | 4,588 |
| Noninterest expense to average assets | 2.4382% | 4,733 |
| Loan and lease loss provision to assets | 0.0603% | 3,322 |
| Net operating income to assets | 1.4903% | 897 |
| Return on assets (ROA) | 1.4919% | 929 |
| Pretax return on assets | 1.4958% | 1,557 |
| Return on Equity (ROE) | 12.9819% | 1,144 |
| Retained earnings to average equity (ytd only) | 6.5458% | 1,620 |
| Net charge-offs to loans | 0.0306% | 4,213 |
| Credit loss provision to net charge-offs | 297.2973% | 874 |
| Earnings coverage of net charge-offs (x) | 76.6757% | 657 |
| Efficiency ratio | 61.0677% | 5,056 |
| Assets per employee ($millions) | 4.1494% | 3,637 |
| Cash dividends to net income (ytd only)* | 49.5777% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,281 |
| Loan loss allowance to noncurrent loans | 453.9379% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 5,145 |
| Noncurrent loans to loans | 0.3403% | 4,635 |
| Net loans and leases to total assets | 63.5063% | 3,290 |
| Net loans and leases to deposits | 71.8830% | 3,694 |
| Net loans and leases to core deposits | 75.2461% | 3,796 |
| Total domestic deposits to total assets | 88.3468% | 1,598 |
| Equity capital to assets | 11.3829% | 2,526 |
| Core capital (leverage) ratio | 11.5742% | 1,923 |
| Tier 1 risk-based capital ratio | 19.5416% | 1,709 |
| Total risk-based capital ratio | 20.7976% | 1,671 |
| Memoranda: | ||
| Average total assets | $182,514,800 | 3,181 |
| Average earning assets | $167,321,600 | 3,190 |
| Average equity | $20,975,400 | 3,057 |
| Average total loans | $120,735,000 | 3,023 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,907 |
| Cost of funding earning assets | 0.5082% | 2,680 |
| Net interest margin | 3.9814% | 1,933 |
| Noninterest income to average assets | 0.3628% | 4,525 |
| Noninterest expense to average assets | 2.4586% | 4,647 |
| Loan and lease loss provision to assets | 0.0591% | 3,188 |
| Net operating income to assets | 1.4942% | 955 |
| Return on assets (ROA) | 1.4957% | 983 |
| Pretax return on assets | 1.4994% | 1,650 |
| Return on Equity (ROE) | 12.9818% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.8886% | 1,878 |
| Net charge-offs to loans | 0.0411% | 3,679 |
| Credit loss provision to net charge-offs | 216.2162% | 1,189 |
| Earnings coverage of net charge-offs (x) | 56.9483% | 898 |
| Efficiency ratio | 61.2256% | 5,001 |
| Assets per employee ($millions) | 4.0125% | 3,851 |
| Cash dividends to net income (ytd only)* | 46.9369% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 2,547 |
| Loan loss allowance to noncurrent loans | 463.3663% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 5,169 |
| Noncurrent loans to loans | 0.3324% | 4,907 |
| Net loans and leases to total assets | 64.8448% | 3,051 |
| Net loans and leases to deposits | 73.6176% | 3,480 |
| Net loans and leases to core deposits | 77.3180% | 3,605 |
| Total domestic deposits to total assets | 88.0833% | 1,720 |
| Equity capital to assets | 11.5954% | 2,397 |
| Core capital (leverage) ratio | 11.7241% | 1,896 |
| Tier 1 risk-based capital ratio | 19.4814% | 1,786 |
| Total risk-based capital ratio | 20.7379% | 1,754 |
| Memoranda: | ||
| Average total assets | $180,425,000 | 3,230 |
| Average earning assets | $165,533,500 | 3,238 |
| Average equity | $20,787,500 | 3,082 |
| Average total loans | $120,139,000 | 3,051 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 1,915 |
| Cost of funding earning assets | 0.5173% | 2,658 |
| Net interest margin | 3.9568% | 1,941 |
| Noninterest income to average assets | 0.3608% | 4,533 |
| Noninterest expense to average assets | 2.4531% | 4,723 |
| Loan and lease loss provision to assets | 0.0559% | 3,181 |
| Net operating income to assets | 1.4801% | 908 |
| Return on assets (ROA) | 1.4801% | 941 |
| Pretax return on assets | 1.4834% | 1,588 |
| Return on Equity (ROE) | 12.8749% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.5589% | 2,002 |
| Net charge-offs to loans | 0.0201% | 3,811 |
| Credit loss provision to net charge-offs | 416.6667% | 670 |
| Earnings coverage of net charge-offs (x) | 114.8333% | 502 |
| Efficiency ratio | 61.4438% | 5,082 |
| Assets per employee ($millions) | 3.9497% | 3,950 |
| Cash dividends to net income (ytd only)* | 49.0566% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,722 |
| Loan loss allowance to noncurrent loans | 421.4447% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,365 |
| Noncurrent loans to loans | 0.3654% | 4,895 |
| Net loans and leases to total assets | 65.6972% | 2,804 |
| Net loans and leases to deposits | 74.5202% | 3,265 |
| Net loans and leases to core deposits | 78.6311% | 3,364 |
| Total domestic deposits to total assets | 88.1603% | 1,816 |
| Equity capital to assets | 11.5755% | 2,352 |
| Core capital (leverage) ratio | 11.5972% | 1,923 |
| Tier 1 risk-based capital ratio | 19.0434% | 1,914 |
| Total risk-based capital ratio | 20.2993% | 1,874 |
| Memoranda: | ||
| Average total assets | $179,042,330 | 3,262 |
| Average earning assets | $164,324,670 | 3,263 |
| Average equity | $20,582,670 | 3,110 |
| Average total loans | $119,666,000 | 3,068 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 2,039 |
| Cost of funding earning assets | 0.5235% | 2,672 |
| Net interest margin | 3.9018% | 2,078 |
| Noninterest income to average assets | 0.3669% | 4,448 |
| Noninterest expense to average assets | 2.4668% | 4,731 |
| Loan and lease loss provision to assets | 0.0675% | 2,775 |
| Net operating income to assets | 1.4180% | 957 |
| Return on assets (ROA) | 1.4180% | 1,001 |
| Pretax return on assets | 1.4225% | 1,671 |
| Return on Equity (ROE) | 12.3781% | 1,319 |
| Retained earnings to average equity (ytd only) | 5.5014% | 2,787 |
| Net charge-offs to loans | -0.0067% | 4,903 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3436% | 5,076 |
| Assets per employee ($millions) | 3.8653% | 4,200 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 2,785 |
| Loan loss allowance to noncurrent loans | 223.6779% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 4,739 |
| Noncurrent loans to loans | 0.7070% | 4,103 |
| Net loans and leases to total assets | 65.1376% | 2,712 |
| Net loans and leases to deposits | 73.8363% | 3,089 |
| Net loans and leases to core deposits | 77.8705% | 3,217 |
| Total domestic deposits to total assets | 88.2189% | 2,096 |
| Equity capital to assets | 11.5421% | 2,209 |
| Core capital (leverage) ratio | 11.5343% | 1,941 |
| Tier 1 risk-based capital ratio | 19.1490% | 1,922 |
| Total risk-based capital ratio | 20.4053% | 1,884 |
| Memoranda: | ||
| Average total assets | $177,721,000 | 3,302 |
| Average earning assets | $163,515,500 | 3,299 |
| Average equity | $20,358,500 | 3,130 |
| Average total loans | $118,884,500 | 3,094 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 1,555 |
| Cost of funding earning assets | 0.6197% | 2,485 |
| Net interest margin | 4.0875% | 1,682 |
| Noninterest income to average assets | 0.3739% | 4,640 |
| Noninterest expense to average assets | 2.4596% | 4,894 |
| Loan and lease loss provision to assets | 0.0791% | 3,523 |
| Net operating income to assets | 1.5879% | 710 |
| Return on assets (ROA) | 1.5879% | 728 |
| Pretax return on assets | 1.5914% | 1,190 |
| Return on Equity (ROE) | 13.9461% | 956 |
| Retained earnings to average equity (ytd only) | 7.3986% | 1,276 |
| Net charge-offs to loans | 0.0828% | 4,053 |
| Credit loss provision to net charge-offs | 142.2680% | 1,640 |
| Earnings coverage of net charge-offs (x) | 30.0309% | 1,191 |
| Efficiency ratio | 59.5529% | 5,532 |
| Assets per employee ($millions) | 3.8617% | 4,138 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,079 |
| Loan loss allowance to noncurrent loans | 243.2181% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 4,982 |
| Noncurrent loans to loans | 0.6262% | 4,414 |
| Net loans and leases to total assets | 66.5745% | 2,595 |
| Net loans and leases to deposits | 75.3757% | 3,048 |
| Net loans and leases to core deposits | 79.3365% | 3,201 |
| Total domestic deposits to total assets | 88.3236% | 1,993 |
| Equity capital to assets | 11.3685% | 2,267 |
| Core capital (leverage) ratio | 11.5769% | 1,905 |
| Tier 1 risk-based capital ratio | 18.4006% | 2,116 |
| Total risk-based capital ratio | 19.6338% | 2,076 |
| Memoranda: | ||
| Average total assets | $174,379,600 | 3,340 |
| Average earning assets | $160,245,800 | 3,338 |
| Average equity | $19,855,000 | 3,163 |
| Average total loans | $117,184,200 | 3,100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 1,481 |
| Cost of funding earning assets | 0.6389% | 2,462 |
| Net interest margin | 4.1102% | 1,604 |
| Noninterest income to average assets | 0.3634% | 4,790 |
| Noninterest expense to average assets | 2.4505% | 4,876 |
| Loan and lease loss provision to assets | 0.0830% | 3,409 |
| Net operating income to assets | 1.6017% | 748 |
| Return on assets (ROA) | 1.6017% | 791 |
| Pretax return on assets | 1.6055% | 1,326 |
| Return on Equity (ROE) | 14.0614% | 984 |
| Retained earnings to average equity (ytd only) | 8.8347% | 1,104 |
| Net charge-offs to loans | 0.0206% | 4,721 |
| Credit loss provision to net charge-offs | 600.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 122.1079% | 429 |
| Efficiency ratio | 59.2056% | 5,534 |
| Assets per employee ($millions) | 3.7547% | 4,341 |
| Cash dividends to net income (ytd only)* | 37.1704% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,094 |
| Loan loss allowance to noncurrent loans | 496.8254% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 5,792 |
| Noncurrent loans to loans | 0.3181% | 5,431 |
| Net loans and leases to total assets | 67.7102% | 2,334 |
| Net loans and leases to deposits | 76.9365% | 2,827 |
| Net loans and leases to core deposits | 81.5397% | 2,933 |
| Total domestic deposits to total assets | 88.0079% | 2,124 |
| Equity capital to assets | 11.6209% | 2,199 |
| Core capital (leverage) ratio | 11.6540% | 1,914 |
| Tier 1 risk-based capital ratio | 18.1144% | 2,279 |
| Total risk-based capital ratio | 19.3699% | 2,246 |
| Memoranda: | ||
| Average total assets | $173,564,500 | 3,381 |
| Average earning assets | $159,438,000 | 3,384 |
| Average equity | $19,770,000 | 3,214 |
| Average total loans | $116,457,250 | 3,133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 1,437 |
| Cost of funding earning assets | 0.6498% | 2,497 |
| Net interest margin | 4.1035% | 1,533 |
| Noninterest income to average assets | 0.3670% | 4,773 |
| Noninterest expense to average assets | 2.4366% | 4,940 |
| Loan and lease loss provision to assets | 0.0897% | 3,289 |
| Net operating income to assets | 1.6152% | 730 |
| Return on assets (ROA) | 1.6152% | 801 |
| Pretax return on assets | 1.6187% | 1,308 |
| Return on Equity (ROE) | 14.2758% | 949 |
| Retained earnings to average equity (ytd only) | 8.6834% | 1,232 |
| Net charge-offs to loans | -0.0311% | 6,112 |
| Credit loss provision to net charge-offs | -433.3333% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7843% | 5,629 |
| Assets per employee ($millions) | 3.7317% | 4,344 |
| Cash dividends to net income (ytd only)* | 39.1738% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 3,099 |
| Loan loss allowance to noncurrent loans | 360.9195% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 5,564 |
| Noncurrent loans to loans | 0.4470% | 5,143 |
| Net loans and leases to total assets | 66.9277% | 2,427 |
| Net loans and leases to deposits | 75.9728% | 2,881 |
| Net loans and leases to core deposits | 80.1174% | 3,007 |
| Total domestic deposits to total assets | 88.0943% | 2,177 |
| Equity capital to assets | 11.5888% | 2,228 |
| Core capital (leverage) ratio | 11.3604% | 2,046 |
| Tier 1 risk-based capital ratio | 17.9485% | 2,328 |
| Total risk-based capital ratio | 19.2041% | 2,295 |
| Memoranda: | ||
| Average total assets | $173,848,000 | 3,395 |
| Average earning assets | $160,060,330 | 3,396 |
| Average equity | $19,669,670 | 3,239 |
| Average total loans | $115,668,670 | 3,153 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,612 |
| Cost of funding earning assets | 0.6590% | 2,569 |
| Net interest margin | 4.0139% | 1,733 |
| Noninterest income to average assets | 0.3773% | 4,648 |
| Noninterest expense to average assets | 2.4305% | 5,018 |
| Loan and lease loss provision to assets | 0.1097% | 2,868 |
| Net operating income to assets | 1.5251% | 812 |
| Return on assets (ROA) | 1.5251% | 887 |
| Pretax return on assets | 1.5274% | 1,497 |
| Return on Equity (ROE) | 13.6415% | 1,024 |
| Retained earnings to average equity (ytd only) | 9.0398% | 1,371 |
| Net charge-offs to loans | -0.0938% | 6,417 |
| Credit loss provision to net charge-offs | -177.7778% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7527% | 5,623 |
| Assets per employee ($millions) | 3.7559% | 4,440 |
| Cash dividends to net income (ytd only)* | 33.7331% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 3,263 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 4,574 |
| Noncurrent loans to loans | 1.0885% | 3,972 |
| Net loans and leases to total assets | 64.9658% | 2,544 |
| Net loans and leases to deposits | 73.5873% | 2,978 |
| Net loans and leases to core deposits | 77.6460% | 3,121 |
| Total domestic deposits to total assets | 88.2839% | 2,138 |
| Equity capital to assets | 11.4313% | 2,480 |
| Core capital (leverage) ratio | 10.9932% | 2,272 |
| Tier 1 risk-based capital ratio | 17.7738% | 2,454 |
| Total risk-based capital ratio | 19.0300% | 2,415 |
| Memoranda: | ||
| Average total assets | $174,943,500 | 3,410 |
| Average earning assets | $160,842,000 | 3,417 |
| Average equity | $19,558,000 | 3,306 |
| Average total loans | $115,118,000 | 3,178 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 1,116 |
| Cost of funding earning assets | 0.8348% | 2,396 |
| Net interest margin | 4.3641% | 1,243 |
| Noninterest income to average assets | 0.3634% | 4,881 |
| Noninterest expense to average assets | 2.3659% | 5,509 |
| Loan and lease loss provision to assets | 0.1578% | 3,645 |
| Net operating income to assets | 1.6998% | 617 |
| Return on assets (ROA) | 1.6998% | 697 |
| Pretax return on assets | 1.7039% | 1,127 |
| Return on Equity (ROE) | 15.9628% | 665 |
| Retained earnings to average equity (ytd only) | 13.2740% | 240 |
| Net charge-offs to loans | 0.1813% | 3,925 |
| Credit loss provision to net charge-offs | 130.4348% | 2,144 |
| Earnings coverage of net charge-offs (x) | 15.3913% | 1,657 |
| Efficiency ratio | 55.9641% | 6,061 |
| Assets per employee ($millions) | 3.8503% | 4,271 |
| Cash dividends to net income (ytd only)* | 16.8443% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,570 |
| Loan loss allowance to noncurrent loans | 173.4239% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 5,025 |
| Noncurrent loans to loans | 0.8878% | 4,401 |
| Net loans and leases to total assets | 64.5583% | 2,801 |
| Net loans and leases to deposits | 72.7470% | 3,296 |
| Net loans and leases to core deposits | 76.4990% | 3,467 |
| Total domestic deposits to total assets | 88.7435% | 1,736 |
| Equity capital to assets | 10.9341% | 3,034 |
| Core capital (leverage) ratio | 10.6302% | 2,620 |
| Tier 1 risk-based capital ratio | 16.9916% | 2,658 |
| Total risk-based capital ratio | 18.2465% | 2,622 |
| Memoranda: | ||
| Average total assets | $171,141,200 | 3,438 |
| Average earning assets | $151,531,600 | 3,517 |
| Average equity | $18,223,600 | 3,438 |
| Average total loans | $114,200,600 | 3,203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 1,060 |
| Cost of funding earning assets | 0.8748% | 2,358 |
| Net interest margin | 4.3974% | 1,203 |
| Noninterest income to average assets | 0.3717% | 4,856 |
| Noninterest expense to average assets | 2.3955% | 5,414 |
| Loan and lease loss provision to assets | 0.1595% | 3,521 |
| Net operating income to assets | 1.6756% | 731 |
| Return on assets (ROA) | 1.6756% | 809 |
| Pretax return on assets | 1.6803% | 1,327 |
| Return on Equity (ROE) | 15.8468% | 763 |
| Retained earnings to average equity (ytd only) | 14.5089% | 269 |
| Net charge-offs to loans | 0.1641% | 3,814 |
| Credit loss provision to net charge-offs | 145.0000% | 1,971 |
| Earnings coverage of net charge-offs (x) | 16.7216% | 1,669 |
| Efficiency ratio | 56.5597% | 5,986 |
| Assets per employee ($millions) | 3.8643% | 4,165 |
| Cash dividends to net income (ytd only)* | 8.4426% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,883 |
| Loan loss allowance to noncurrent loans | 150.1259% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 4,602 |
| Noncurrent loans to loans | 1.0104% | 4,431 |
| Net loans and leases to total assets | 66.7581% | 2,510 |
| Net loans and leases to deposits | 75.2696% | 3,101 |
| Net loans and leases to core deposits | 78.8305% | 3,347 |
| Total domestic deposits to total assets | 88.6920% | 1,601 |
| Equity capital to assets | 10.9118% | 3,368 |
| Core capital (leverage) ratio | 10.5948% | 2,803 |
| Tier 1 risk-based capital ratio | 16.4850% | 3,009 |
| Total risk-based capital ratio | 17.7400% | 2,973 |
| Memoranda: | ||
| Average total assets | $169,647,500 | 3,494 |
| Average earning assets | $149,055,000 | 3,607 |
| Average equity | $17,938,000 | 3,514 |
| Average total loans | $113,718,000 | 3,247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 1,078 |
| Cost of funding earning assets | 0.8981% | 2,412 |
| Net interest margin | 4.3904% | 1,228 |
| Noninterest income to average assets | 0.3804% | 4,795 |
| Noninterest expense to average assets | 2.4228% | 5,375 |
| Loan and lease loss provision to assets | 0.1605% | 3,510 |
| Net operating income to assets | 1.6513% | 748 |
| Return on assets (ROA) | 1.6513% | 834 |
| Pretax return on assets | 1.6560% | 1,378 |
| Return on Equity (ROE) | 15.7910% | 796 |
| Retained earnings to average equity (ytd only) | 14.4267% | 316 |
| Net charge-offs to loans | 0.0534% | 4,660 |
| Credit loss provision to net charge-offs | 450.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 50.9333% | 719 |
| Efficiency ratio | 57.1509% | 5,974 |
| Assets per employee ($millions) | 3.8566% | 4,177 |
| Cash dividends to net income (ytd only)* | 8.6393% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 3,611 |
| Loan loss allowance to noncurrent loans | 140.0153% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 4,477 |
| Noncurrent loans to loans | 1.1414% | 4,246 |
| Net loans and leases to total assets | 66.3999% | 2,593 |
| Net loans and leases to deposits | 74.7244% | 3,165 |
| Net loans and leases to core deposits | 78.7242% | 3,410 |
| Total domestic deposits to total assets | 88.8597% | 1,597 |
| Equity capital to assets | 10.7655% | 3,377 |
| Core capital (leverage) ratio | 10.4927% | 2,810 |
| Tier 1 risk-based capital ratio | 16.4325% | 2,953 |
| Total risk-based capital ratio | 17.6882% | 2,913 |
| Memoranda: | ||
| Average total assets | $168,231,670 | 3,528 |
| Average earning assets | $147,868,330 | 3,646 |
| Average equity | $17,592,330 | 3,559 |
| Average total loans | $112,331,670 | 3,285 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 1,167 |
| Cost of funding earning assets | 0.9165% | 2,557 |
| Net interest margin | 4.3549% | 1,329 |
| Noninterest income to average assets | 0.3725% | 4,881 |
| Noninterest expense to average assets | 2.4071% | 5,448 |
| Loan and lease loss provision to assets | 0.1624% | 3,358 |
| Net operating income to assets | 1.6310% | 819 |
| Return on assets (ROA) | 1.6310% | 914 |
| Pretax return on assets | 1.6382% | 1,457 |
| Return on Equity (ROE) | 15.8336% | 829 |
| Retained earnings to average equity (ytd only) | 14.4426% | 518 |
| Net charge-offs to loans | 0.0324% | 4,234 |
| Credit loss provision to net charge-offs | 755.5556% | 446 |
| Earnings coverage of net charge-offs (x) | 83.7778% | 408 |
| Efficiency ratio | 57.2077% | 6,016 |
| Assets per employee ($millions) | 3.7963% | 4,430 |
| Cash dividends to net income (ytd only)* | 8.7848% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,695 |
| Loan loss allowance to noncurrent loans | 115.7690% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 4,287 |
| Noncurrent loans to loans | 1.3879% | 4,031 |
| Net loans and leases to total assets | 65.4049% | 2,577 |
| Net loans and leases to deposits | 73.3686% | 3,221 |
| Net loans and leases to core deposits | 77.4824% | 3,394 |
| Total domestic deposits to total assets | 89.1456% | 1,605 |
| Equity capital to assets | 10.4928% | 3,498 |
| Core capital (leverage) ratio | 10.0609% | 3,298 |
| Tier 1 risk-based capital ratio | 16.1191% | 3,111 |
| Total risk-based capital ratio | 17.3751% | 3,078 |
| Memoranda: | ||
| Average total assets | $167,502,500 | 3,563 |
| Average earning assets | $147,512,000 | 3,670 |
| Average equity | $17,254,500 | 3,608 |
| Average total loans | $111,245,500 | 3,320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3062% | 1,681 |
| Cost of funding earning assets | 1.0257% | 3,191 |
| Net interest margin | 4.2805% | 1,768 |
| Noninterest income to average assets | 0.3860% | 4,736 |
| Noninterest expense to average assets | 2.5258% | 5,373 |
| Loan and lease loss provision to assets | 0.1927% | 4,257 |
| Net operating income to assets | 1.4371% | 953 |
| Return on assets (ROA) | 1.4371% | 1,033 |
| Pretax return on assets | 1.4402% | 1,655 |
| Return on Equity (ROE) | 14.7166% | 797 |
| Retained earnings to average equity (ytd only) | 13.7684% | 183 |
| Net charge-offs to loans | 0.0614% | 5,681 |
| Credit loss provision to net charge-offs | 473.8462% | 475 |
| Earnings coverage of net charge-offs (x) | 40.1538% | 674 |
| Efficiency ratio | 60.7342% | 5,645 |
| Assets per employee ($millions) | 3.9062% | 4,060 |
| Cash dividends to net income (ytd only)* | 6.4432% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,803 |
| Loan loss allowance to noncurrent loans | 113.1148% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 4,423 |
| Noncurrent loans to loans | 1.3683% | 4,092 |
| Net loans and leases to total assets | 65.3289% | 2,914 |
| Net loans and leases to deposits | 72.9764% | 3,673 |
| Net loans and leases to core deposits | 76.8607% | 3,846 |
| Total domestic deposits to total assets | 89.5206% | 1,254 |
| Equity capital to assets | 10.1103% | 4,023 |
| Core capital (leverage) ratio | 9.9827% | 3,358 |
| Tier 1 risk-based capital ratio | 15.4061% | 3,387 |
| Total risk-based capital ratio | 16.6611% | 3,338 |
| Memoranda: | ||
| Average total assets | $159,833,600 | 3,631 |
| Average earning assets | $140,872,600 | 3,724 |
| Average equity | $15,608,200 | 3,790 |
| Average total loans | $105,849,000 | 3,480 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 1,743 |
| Cost of funding earning assets | 1.0537% | 3,292 |
| Net interest margin | 4.2798% | 1,793 |
| Noninterest income to average assets | 0.4140% | 4,554 |
| Noninterest expense to average assets | 2.6328% | 4,964 |
| Loan and lease loss provision to assets | 0.2028% | 3,989 |
| Net operating income to assets | 1.3502% | 1,267 |
| Return on assets (ROA) | 1.3502% | 1,352 |
| Pretax return on assets | 1.3536% | 2,104 |
| Return on Equity (ROE) | 13.9577% | 1,042 |
| Retained earnings to average equity (ytd only) | 13.9577% | 294 |
| Net charge-offs to loans | 0.1034% | 4,965 |
| Credit loss provision to net charge-offs | 296.2963% | 967 |
| Earnings coverage of net charge-offs (x) | 22.7402% | 1,141 |
| Efficiency ratio | 62.8479% | 5,268 |
| Assets per employee ($millions) | 3.7265% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 4,201 |
| Loan loss allowance to noncurrent loans | 161.5157% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 4,988 |
| Noncurrent loans to loans | 0.9166% | 5,040 |
| Net loans and leases to total assets | 68.1528% | 2,451 |
| Net loans and leases to deposits | 76.3111% | 3,282 |
| Net loans and leases to core deposits | 81.1400% | 3,464 |
| Total domestic deposits to total assets | 89.3092% | 1,249 |
| Equity capital to assets | 10.2290% | 4,049 |
| Core capital (leverage) ratio | 9.9096% | 3,556 |
| Tier 1 risk-based capital ratio | 15.0978% | 3,610 |
| Total risk-based capital ratio | 16.3517% | 3,574 |
| Memoranda: | ||
| Average total assets | $157,800,250 | 3,694 |
| Average earning assets | $139,194,500 | 3,782 |
| Average equity | $15,264,750 | 3,870 |
| Average total loans | $104,447,250 | 3,534 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 2,070 |
| Cost of funding earning assets | 1.0797% | 3,395 |
| Net interest margin | 4.1685% | 2,164 |
| Noninterest income to average assets | 0.3554% | 5,041 |
| Noninterest expense to average assets | 2.6537% | 4,993 |
| Loan and lease loss provision to assets | 0.1720% | 4,208 |
| Net operating income to assets | 1.2052% | 1,553 |
| Return on assets (ROA) | 1.2052% | 1,640 |
| Pretax return on assets | 1.2090% | 2,449 |
| Return on Equity (ROE) | 12.7071% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.7071% | 422 |
| Net charge-offs to loans | 0.1466% | 4,310 |
| Credit loss provision to net charge-offs | 180.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 14.4533% | 1,481 |
| Efficiency ratio | 65.7720% | 4,915 |
| Assets per employee ($millions) | 3.6471% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,418 |
| Loan loss allowance to noncurrent loans | 117.5305% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,494 |
| Noncurrent loans to loans | 1.2213% | 4,620 |
| Net loans and leases to total assets | 67.5192% | 2,710 |
| Net loans and leases to deposits | 75.3719% | 3,583 |
| Net loans and leases to core deposits | 80.7047% | 3,690 |
| Total domestic deposits to total assets | 89.5814% | 1,193 |
| Equity capital to assets | 9.9448% | 4,230 |
| Core capital (leverage) ratio | 9.7363% | 3,620 |
| Tier 1 risk-based capital ratio | 14.6701% | 3,686 |
| Total risk-based capital ratio | 15.9228% | 3,655 |
| Memoranda: | ||
| Average total assets | $156,987,000 | 3,732 |
| Average earning assets | $138,563,000 | 3,815 |
| Average equity | $14,889,330 | 3,927 |
| Average total loans | $102,313,330 | 3,621 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1283% | 2,520 |
| Cost of funding earning assets | 1.1170% | 3,404 |
| Net interest margin | 4.0114% | 2,640 |
| Noninterest income to average assets | 0.3158% | 5,406 |
| Noninterest expense to average assets | 2.5849% | 5,279 |
| Loan and lease loss provision to assets | 0.2292% | 3,361 |
| Net operating income to assets | 1.0569% | 1,985 |
| Return on assets (ROA) | 1.0569% | 2,038 |
| Pretax return on assets | 1.0594% | 2,901 |
| Return on Equity (ROE) | 11.4199% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.4199% | 825 |
| Net charge-offs to loans | 0.0802% | 4,139 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 25.3000% | 968 |
| Efficiency ratio | 66.7324% | 4,905 |
| Assets per employee ($millions) | 3.3985% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,892 |
| Loan loss allowance to noncurrent loans | 124.9597% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 4,892 |
| Noncurrent loans to loans | 1.2522% | 4,593 |
| Net loans and leases to total assets | 62.4507% | 3,766 |
| Net loans and leases to deposits | 69.3131% | 4,466 |
| Net loans and leases to core deposits | 74.6443% | 4,468 |
| Total domestic deposits to total assets | 90.0993% | 1,096 |
| Equity capital to assets | 9.4759% | 4,470 |
| Core capital (leverage) ratio | 9.2588% | 4,189 |
| Tier 1 risk-based capital ratio | 14.9519% | 3,452 |
| Total risk-based capital ratio | 16.2063% | 3,410 |
| Memoranda: | ||
| Average total assets | $157,068,000 | 3,757 |
| Average earning assets | $139,304,500 | 3,835 |
| Average equity | $14,536,000 | 3,987 |
| Average total loans | $99,755,500 | 3,731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 2,046 |
| Cost of funding earning assets | 1.4680% | 2,833 |
| Net interest margin | 4.0926% | 2,600 |
| Noninterest income to average assets | 0.3314% | 5,424 |
| Noninterest expense to average assets | 2.7178% | 4,913 |
| Loan and lease loss provision to assets | 0.3736% | 3,884 |
| Net operating income to assets | 0.8384% | 2,639 |
| Return on assets (ROA) | 0.8384% | 2,775 |
| Pretax return on assets | 0.8416% | 3,493 |
| Return on Equity (ROE) | 9.5573% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.5573% | 594 |
| Net charge-offs to loans | 0.3255% | 4,390 |
| Credit loss provision to net charge-offs | 175.6757% | 1,901 |
| Earnings coverage of net charge-offs (x) | 5.7147% | 2,551 |
| Efficiency ratio | 69.1021% | 4,356 |
| Assets per employee ($millions) | 3.4305% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,135 |
| Loan loss allowance to noncurrent loans | 102.1365% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 4,779 |
| Noncurrent loans to loans | 1.4463% | 4,314 |
| Net loans and leases to total assets | 62.6389% | 4,140 |
| Net loans and leases to deposits | 69.2762% | 4,913 |
| Net loans and leases to core deposits | 74.6864% | 4,888 |
| Total domestic deposits to total assets | 90.4191% | 877 |
| Equity capital to assets | 9.0353% | 5,090 |
| Core capital (leverage) ratio | 8.9926% | 4,571 |
| Tier 1 risk-based capital ratio | 14.2649% | 3,704 |
| Total risk-based capital ratio | 15.5141% | 3,658 |
| Memoranda: | ||
| Average total assets | $156,598,800 | 3,763 |
| Average earning assets | $137,810,000 | 3,856 |
| Average equity | $13,738,200 | 4,203 |
| Average total loans | $102,319,600 | 3,733 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 1,880 |
| Cost of funding earning assets | 1.5433% | 2,709 |
| Net interest margin | 4.1078% | 2,594 |
| Noninterest income to average assets | 0.3480% | 5,387 |
| Noninterest expense to average assets | 2.7664% | 4,615 |
| Loan and lease loss provision to assets | 0.3711% | 3,669 |
| Net operating income to assets | 0.7967% | 3,012 |
| Return on assets (ROA) | 0.7967% | 3,174 |
| Pretax return on assets | 0.8002% | 3,902 |
| Return on Equity (ROE) | 9.1511% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.1511% | 1,009 |
| Net charge-offs to loans | 0.2373% | 4,525 |
| Credit loss provision to net charge-offs | 237.7049% | 1,419 |
| Earnings coverage of net charge-offs (x) | 7.5028% | 2,318 |
| Efficiency ratio | 70.2556% | 4,009 |
| Assets per employee ($millions) | 3.3410% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 4,081 |
| Loan loss allowance to noncurrent loans | 75.8444% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 4,217 |
| Noncurrent loans to loans | 1.9438% | 3,756 |
| Net loans and leases to total assets | 63.0728% | 4,306 |
| Net loans and leases to deposits | 69.8487% | 5,172 |
| Net loans and leases to core deposits | 75.3492% | 5,140 |
| Total domestic deposits to total assets | 90.2992% | 727 |
| Equity capital to assets | 9.0799% | 5,475 |
| Core capital (leverage) ratio | 8.8095% | 4,992 |
| Tier 1 risk-based capital ratio | 13.7891% | 3,989 |
| Total risk-based capital ratio | 15.0340% | 3,951 |
| Memoranda: | ||
| Average total assets | $156,297,750 | 3,825 |
| Average earning assets | $136,584,000 | 3,926 |
| Average equity | $13,608,250 | 4,302 |
| Average total loans | $102,817,500 | 3,771 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 1,565 |
| Cost of funding earning assets | 1.6430% | 2,420 |
| Net interest margin | 4.1031% | 2,540 |
| Noninterest income to average assets | 0.3563% | 5,297 |
| Noninterest expense to average assets | 2.7567% | 4,675 |
| Loan and lease loss provision to assets | 0.3076% | 3,924 |
| Net operating income to assets | 0.8292% | 2,828 |
| Return on assets (ROA) | 0.8292% | 2,981 |
| Pretax return on assets | 0.8318% | 3,771 |
| Return on Equity (ROE) | 9.6627% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.6627% | 925 |
| Net charge-offs to loans | 0.0502% | 5,686 |
| Credit loss provision to net charge-offs | 923.0769% | 403 |
| Earnings coverage of net charge-offs (x) | 34.1923% | 825 |
| Efficiency ratio | 70.7566% | 4,025 |
| Assets per employee ($millions) | 3.3044% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,362 |
| Loan loss allowance to noncurrent loans | 61.5254% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 3,876 |
| Noncurrent loans to loans | 2.2965% | 3,378 |
| Net loans and leases to total assets | 64.8760% | 4,068 |
| Net loans and leases to deposits | 71.6428% | 5,052 |
| Net loans and leases to core deposits | 76.7965% | 5,107 |
| Total domestic deposits to total assets | 90.5548% | 663 |
| Equity capital to assets | 8.8283% | 5,711 |
| Core capital (leverage) ratio | 8.6394% | 5,176 |
| Tier 1 risk-based capital ratio | 13.3583% | 4,161 |
| Total risk-based capital ratio | 14.6111% | 4,127 |
| Memoranda: | ||
| Average total assets | $156,054,330 | 3,859 |
| Average earning assets | $134,630,330 | 4,011 |
| Average equity | $13,391,670 | 4,353 |
| Average total loans | $103,582,000 | 3,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 1,176 |
| Cost of funding earning assets | 1.7985% | 1,879 |
| Net interest margin | 4.1148% | 2,377 |
| Noninterest income to average assets | 0.3912% | 4,992 |
| Noninterest expense to average assets | 2.7131% | 4,842 |
| Loan and lease loss provision to assets | 0.3069% | 3,585 |
| Net operating income to assets | 0.8438% | 2,777 |
| Return on assets (ROA) | 0.8438% | 2,869 |
| Pretax return on assets | 0.8464% | 3,684 |
| Return on Equity (ROE) | 9.9758% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.9758% | 1,146 |
| Net charge-offs to loans | 0.0882% | 4,538 |
| Credit loss provision to net charge-offs | 521.7391% | 807 |
| Earnings coverage of net charge-offs (x) | 19.6087% | 1,190 |
| Efficiency ratio | 70.1720% | 4,270 |
| Assets per employee ($millions) | 3.3672% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,916 |
| Loan loss allowance to noncurrent loans | 52.9952% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.9077% | 3,622 |
| Noncurrent loans to loans | 2.4604% | 3,210 |
| Net loans and leases to total assets | 63.4708% | 4,433 |
| Net loans and leases to deposits | 69.8198% | 5,365 |
| Net loans and leases to core deposits | 78.0086% | 5,017 |
| Total domestic deposits to total assets | 90.9066% | 582 |
| Equity capital to assets | 8.4881% | 6,015 |
| Core capital (leverage) ratio | 8.3868% | 5,588 |
| Tier 1 risk-based capital ratio | 12.9485% | 4,376 |
| Total risk-based capital ratio | 14.1991% | 4,348 |
| Memoranda: | ||
| Average total assets | $156,428,000 | 3,903 |
| Average earning assets | $132,109,500 | 4,115 |
| Average equity | $13,232,000 | 4,426 |
| Average total loans | $104,272,500 | 3,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4352% | 767 |
| Cost of funding earning assets | 2.4515% | 1,152 |
| Net interest margin | 3.9837% | 2,921 |
| Noninterest income to average assets | 0.3374% | 5,677 |
| Noninterest expense to average assets | 2.7702% | 5,088 |
| Loan and lease loss provision to assets | 0.5696% | 3,532 |
| Net operating income to assets | 0.4366% | 3,981 |
| Return on assets (ROA) | 0.4366% | 4,102 |
| Pretax return on assets | 0.4386% | 4,377 |
| Return on Equity (ROE) | 5.4654% | 3,447 |
| Retained earnings to average equity (ytd only) | 5.4654% | 1,592 |
| Net charge-offs to loans | 0.4842% | 3,835 |
| Credit loss provision to net charge-offs | 163.8060% | 2,673 |
| Earnings coverage of net charge-offs (x) | 2.8993% | 3,636 |
| Efficiency ratio | 73.3173% | 4,030 |
| Assets per employee ($millions) | 3.2893% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,633 |
| Loan loss allowance to noncurrent loans | 50.1836% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 3,658 |
| Noncurrent loans to loans | 2.2956% | 3,293 |
| Net loans and leases to total assets | 68.2676% | 3,642 |
| Net loans and leases to deposits | 75.0968% | 4,862 |
| Net loans and leases to core deposits | 97.3069% | 4,313 |
| Total domestic deposits to total assets | 90.9062% | 569 |
| Equity capital to assets | 8.4289% | 6,009 |
| Core capital (leverage) ratio | 8.3931% | 5,453 |
| Tier 1 risk-based capital ratio | 12.2805% | 4,705 |
| Total risk-based capital ratio | 13.4626% | 4,721 |
| Memoranda: | ||
| Average total assets | $154,140,600 | 3,894 |
| Average earning assets | $133,142,600 | 4,027 |
| Average equity | $12,313,800 | 4,678 |
| Average total loans | $110,709,000 | 3,677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4800% | 786 |
| Cost of funding earning assets | 2.5665% | 1,116 |
| Net interest margin | 3.9135% | 3,187 |
| Noninterest income to average assets | 0.3748% | 5,514 |
| Noninterest expense to average assets | 2.8609% | 4,610 |
| Loan and lease loss provision to assets | 0.5220% | 3,298 |
| Net operating income to assets | 0.3930% | 4,425 |
| Return on assets (ROA) | 0.3930% | 4,525 |
| Pretax return on assets | 0.3947% | 4,814 |
| Return on Equity (ROE) | 4.9884% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.9884% | 2,497 |
| Net charge-offs to loans | 0.3474% | 3,901 |
| Credit loss provision to net charge-offs | 207.2165% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.6392% | 3,443 |
| Efficiency ratio | 75.7333% | 3,559 |
| Assets per employee ($millions) | 3.2383% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,616 |
| Loan loss allowance to noncurrent loans | 81.0263% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.3016% | 4,480 |
| Noncurrent loans to loans | 1.3785% | 4,610 |
| Net loans and leases to total assets | 69.7974% | 3,566 |
| Net loans and leases to deposits | 76.9186% | 4,907 |
| Net loans and leases to core deposits | 101.7782% | 4,178 |
| Total domestic deposits to total assets | 90.7419% | 497 |
| Equity capital to assets | 8.4743% | 6,280 |
| Core capital (leverage) ratio | 8.1933% | 6,026 |
| Tier 1 risk-based capital ratio | 12.1158% | 4,866 |
| Total risk-based capital ratio | 13.2735% | 4,892 |
| Memoranda: | ||
| Average total assets | $154,026,000 | 3,909 |
| Average earning assets | $133,926,250 | 4,041 |
| Average equity | $12,134,500 | 4,760 |
| Average total loans | $111,693,500 | 3,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4641% | 890 |
| Cost of funding earning assets | 2.6347% | 1,198 |
| Net interest margin | 3.8294% | 3,418 |
| Noninterest income to average assets | 0.4165% | 5,150 |
| Noninterest expense to average assets | 2.8390% | 4,782 |
| Loan and lease loss provision to assets | 0.5859% | 2,688 |
| Net operating income to assets | 0.3621% | 4,650 |
| Return on assets (ROA) | 0.3621% | 4,752 |
| Pretax return on assets | 0.3621% | 5,039 |
| Return on Equity (ROE) | 4.7138% | 4,205 |
| Retained earnings to average equity (ytd only) | 4.7138% | 2,680 |
| Net charge-offs to loans | 0.4668% | 2,963 |
| Credit loss provision to net charge-offs | 171.5909% | 2,680 |
| Earnings coverage of net charge-offs (x) | 2.7765% | 3,697 |
| Efficiency ratio | 74.9658% | 3,881 |
| Assets per employee ($millions) | 3.0818% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,409 |
| Loan loss allowance to noncurrent loans | 63.1301% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 4,240 |
| Noncurrent loans to loans | 1.5469% | 4,174 |
| Net loans and leases to total assets | 70.8739% | 3,497 |
| Net loans and leases to deposits | 77.6302% | 4,925 |
| Net loans and leases to core deposits | 104.4681% | 4,011 |
| Total domestic deposits to total assets | 91.2968% | 375 |
| Equity capital to assets | 7.7571% | 7,026 |
| Core capital (leverage) ratio | 7.7237% | 6,717 |
| Tier 1 risk-based capital ratio | 11.2042% | 5,677 |
| Total risk-based capital ratio | 12.2195% | 5,843 |
| Memoranda: | ||
| Average total assets | $154,634,000 | 3,929 |
| Average earning assets | $136,105,000 | 4,025 |
| Average equity | $11,880,000 | 4,848 |
| Average total loans | $113,113,670 | 3,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4201% | 1,022 |
| Cost of funding earning assets | 2.6894% | 1,301 |
| Net interest margin | 3.7307% | 3,759 |
| Noninterest income to average assets | 0.3512% | 5,637 |
| Noninterest expense to average assets | 2.7268% | 4,894 |
| Loan and lease loss provision to assets | 0.5423% | 2,303 |
| Net operating income to assets | 0.4312% | 4,737 |
| Return on assets (ROA) | 0.4312% | 4,914 |
| Pretax return on assets | 0.4312% | 5,308 |
| Return on Equity (ROE) | 5.6402% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.6402% | 2,800 |
| Net charge-offs to loans | 0.4156% | 2,442 |
| Credit loss provision to net charge-offs | 176.4706% | 2,447 |
| Earnings coverage of net charge-offs (x) | 3.1681% | 3,265 |
| Efficiency ratio | 73.6916% | 3,878 |
| Assets per employee ($millions) | 3.1625% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 6,886 |
| Loan loss allowance to noncurrent loans | 71.2518% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0596% | 4,569 |
| Noncurrent loans to loans | 1.2175% | 4,538 |
| Net loans and leases to total assets | 72.1929% | 3,202 |
| Net loans and leases to deposits | 78.9250% | 4,782 |
| Net loans and leases to core deposits | 108.5313% | 3,611 |
| Total domestic deposits to total assets | 91.4703% | 282 |
| Equity capital to assets | 7.6940% | 7,185 |
| Core capital (leverage) ratio | 7.6072% | 7,019 |
| Tier 1 risk-based capital ratio | 10.8684% | 6,023 |
| Total risk-based capital ratio | 11.7723% | 6,285 |
| Memoranda: | ||
| Average total assets | $154,905,000 | 3,931 |
| Average earning assets | $139,063,000 | 3,975 |
| Average equity | $11,843,500 | 4,887 |
| Average total loans | $114,526,500 | 3,685 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9805% | 1,185 |
| Cost of funding earning assets | 3.2341% | 1,088 |
| Net interest margin | 3.7464% | 4,243 |
| Noninterest income to average assets | 0.3779% | 5,663 |
| Noninterest expense to average assets | 2.5480% | 5,833 |
| Loan and lease loss provision to assets | 0.5403% | 2,662 |
| Net operating income to assets | 0.7504% | 3,665 |
| Return on assets (ROA) | 0.7504% | 3,502 |
| Pretax return on assets | 0.7504% | 4,243 |
| Return on Equity (ROE) | 9.9542% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.9542% | 457 |
| Net charge-offs to loans | 0.6204% | 1,979 |
| Credit loss provision to net charge-offs | 113.5402% | 4,752 |
| Earnings coverage of net charge-offs (x) | 2.7123% | 4,722 |
| Efficiency ratio | 66.3752% | 5,045 |
| Assets per employee ($millions) | 3.2260% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 7,231 |
| Loan loss allowance to noncurrent loans | 82.2984% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 5,060 |
| Noncurrent loans to loans | 0.9286% | 4,758 |
| Net loans and leases to total assets | 74.4695% | 2,996 |
| Net loans and leases to deposits | 81.2997% | 4,828 |
| Net loans and leases to core deposits | 109.1173% | 3,854 |
| Total domestic deposits to total assets | 91.5987% | 192 |
| Equity capital to assets | 7.5972% | 7,305 |
| Core capital (leverage) ratio | 7.5146% | 7,191 |
| Tier 1 risk-based capital ratio | 10.5486% | 6,158 |
| Total risk-based capital ratio | 11.3557% | 6,489 |
| Memoranda: | ||
| Average total assets | $148,979,000 | 3,917 |
| Average earning assets | $137,626,400 | 3,900 |
| Average equity | $11,231,400 | 5,055 |
| Average total loans | $114,281,000 | 3,583 |