Home > Amerasia Bank > Performance and Condition Ratios
Amerasia Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6111% | 313 |
| Cost of funding earning assets | 1.7564% | 1,336 |
| Net interest margin | 4.8547% | 386 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.8199% | 3,971 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.1239% | 385 |
| Return on assets (ROA) | 2.1239% | 377 |
| Pretax return on assets | 2.9721% | 213 |
| Return on Equity (ROE) | 14.0800% | 1,468 |
| Retained earnings to average equity (ytd only) | 9.5418% | 1,125 |
| Net charge-offs to loans | -0.0035% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.6109% | 4,406 |
| Assets per employee ($millions) | 10.1925% | 662 |
| Cash dividends to net income (ytd only)* | 32.2167% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,697 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 86.8600% | 122 |
| Net loans and leases to deposits | 110.4567% | 189 |
| Net loans and leases to core deposits | 139.3966% | 282 |
| Total domestic deposits to total assets | 78.6400% | 3,655 |
| Equity capital to assets | 15.1847% | 537 |
| Core capital (leverage) ratio | 15.2913% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1072% | 776 |
| Memoranda: | ||
| Average total assets | $803,944,000 | 1,177 |
| Average earning assets | $771,501,400 | 1,141 |
| Average equity | $121,298,400 | 813 |
| Average total loans | $704,449,800 | 952 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4522% | 319 |
| Cost of funding earning assets | 1.6162% | 1,341 |
| Net interest margin | 4.8360% | 388 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.7221% | 4,090 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.1865% | 382 |
| Return on assets (ROA) | 2.1865% | 377 |
| Pretax return on assets | 3.0435% | 224 |
| Return on Equity (ROE) | 14.5200% | 1,544 |
| Retained earnings to average equity (ytd only) | 14.5155% | 614 |
| Net charge-offs to loans | -0.0048% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.6812% | 4,451 |
| Assets per employee ($millions) | 9.8916% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 3,744 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 87.9600% | 78 |
| Net loans and leases to deposits | 111.0791% | 184 |
| Net loans and leases to core deposits | 138.2386% | 238 |
| Total domestic deposits to total assets | 79.1900% | 3,656 |
| Equity capital to assets | 15.4095% | 496 |
| Core capital (leverage) ratio | 15.4443% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0532% | 811 |
| Memoranda: | ||
| Average total assets | $798,531,250 | 1,186 |
| Average earning assets | $765,906,250 | 1,146 |
| Average equity | $120,282,000 | 816 |
| Average total loans | $699,639,250 | 953 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2318% | 337 |
| Cost of funding earning assets | 1.4237% | 1,386 |
| Net interest margin | 4.8081% | 400 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7809% | 4,032 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.2545% | 327 |
| Return on assets (ROA) | 2.2545% | 322 |
| Pretax return on assets | 3.0059% | 206 |
| Return on Equity (ROE) | 15.0900% | 1,452 |
| Retained earnings to average equity (ytd only) | 15.0873% | 553 |
| Net charge-offs to loans | -0.0072% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.0366% | 4,451 |
| Assets per employee ($millions) | 10.3325% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 3,796 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 85.8100% | 159 |
| Net loans and leases to deposits | 104.6287% | 351 |
| Net loans and leases to core deposits | 128.2395% | 352 |
| Total domestic deposits to total assets | 82.0100% | 3,231 |
| Equity capital to assets | 15.1874% | 506 |
| Core capital (leverage) ratio | 15.5124% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9479% | 822 |
| Memoranda: | ||
| Average total assets | $791,041,000 | 1,189 |
| Average earning assets | $758,309,667 | 1,157 |
| Average equity | $118,205,333 | 823 |
| Average total loans | $689,960,667 | 952 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1057% | 275 |
| Cost of funding earning assets | 1.1954% | 1,461 |
| Net interest margin | 4.9103% | 325 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.6483% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5585% | 229 |
| Return on assets (ROA) | 2.5585% | 226 |
| Pretax return on assets | 3.2900% | 162 |
| Return on Equity (ROE) | 17.2700% | 1,135 |
| Retained earnings to average equity (ytd only) | 17.2668% | 572 |
| Net charge-offs to loans | -0.0012% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 33.3781% | 4,580 |
| Assets per employee ($millions) | 10.1115% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 3,889 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 87.0900% | 104 |
| Net loans and leases to deposits | 105.8757% | 253 |
| Net loans and leases to core deposits | 129.1353% | 283 |
| Total domestic deposits to total assets | 82.2600% | 3,442 |
| Equity capital to assets | 15.0454% | 481 |
| Core capital (leverage) ratio | 15.1216% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7448% | 875 |
| Memoranda: | ||
| Average total assets | $783,593,000 | 1,214 |
| Average earning assets | $751,559,500 | 1,181 |
| Average equity | $116,107,500 | 848 |
| Average total loans | $686,035,000 | 973 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 540 |
| Cost of funding earning assets | 0.5523% | 1,098 |
| Net interest margin | 4.1178% | 637 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.6847% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7413% | 496 |
| Return on assets (ROA) | 1.7413% | 473 |
| Pretax return on assets | 2.3995% | 232 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 9.8804% | 1,199 |
| Net charge-offs to loans | -0.0016% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.2770% | 4,510 |
| Assets per employee ($millions) | 9.7311% | 735 |
| Cash dividends to net income (ytd only)* | 26.6174% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,754 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 86.4300% | 131 |
| Net loans and leases to deposits | 103.3472% | 325 |
| Net loans and leases to core deposits | 122.8999% | 321 |
| Total domestic deposits to total assets | 83.6300% | 3,287 |
| Equity capital to assets | 14.5862% | 519 |
| Core capital (leverage) ratio | 14.3009% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7572% | 865 |
| Memoranda: | ||
| Average total assets | $847,685,400 | 1,136 |
| Average earning assets | $814,607,600 | 1,090 |
| Average equity | $109,631,200 | 887 |
| Average total loans | $705,375,000 | 902 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 593 |
| Cost of funding earning assets | 0.4877% | 802 |
| Net interest margin | 3.9073% | 795 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.5164% | 4,405 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.7776% | 447 |
| Return on assets (ROA) | 1.7776% | 434 |
| Pretax return on assets | 2.3735% | 246 |
| Return on Equity (ROE) | 14.1500% | 1,391 |
| Retained earnings to average equity (ytd only) | 14.1514% | 446 |
| Net charge-offs to loans | -0.0015% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.1017% | 4,594 |
| Assets per employee ($millions) | 9.9450% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 3,987 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 87.2100% | 85 |
| Net loans and leases to deposits | 104.3001% | 232 |
| Net loans and leases to core deposits | 122.9388% | 210 |
| Total domestic deposits to total assets | 83.6100% | 3,578 |
| Equity capital to assets | 14.0151% | 567 |
| Core capital (leverage) ratio | 13.7211% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5905% | 909 |
| Memoranda: | ||
| Average total assets | $864,984,500 | 1,125 |
| Average earning assets | $831,553,000 | 1,080 |
| Average equity | $108,651,000 | 909 |
| Average total loans | $711,964,750 | 888 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 772 |
| Cost of funding earning assets | 0.4671% | 636 |
| Net interest margin | 3.6281% | 1,025 |
| Noninterest income to average assets | 0.1128% | 4,433 |
| Noninterest expense to average assets | 1.5211% | 4,395 |
| Loan and lease loss provision to assets | -0.0290% | 4,460 |
| Net operating income to assets | 1.5238% | 665 |
| Return on assets (ROA) | 1.5238% | 646 |
| Pretax return on assets | 2.1085% | 290 |
| Return on Equity (ROE) | 12.5802% | 1,499 |
| Retained earnings to average equity (ytd only) | 12.5802% | 519 |
| Net charge-offs to loans | -0.0017% | 3,100 |
| Credit loss provision to net charge-offs | 2,133.3333% | 235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2459% | 4,559 |
| Assets per employee ($millions) | 10.8646% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 81.6883% | 301 |
| Net loans and leases to deposits | 96.0231% | 434 |
| Net loans and leases to core deposits | 111.6983% | 322 |
| Total domestic deposits to total assets | 85.0716% | 3,471 |
| Equity capital to assets | 12.6440% | 730 |
| Core capital (leverage) ratio | 12.5000% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0086% | 989 |
| Memoranda: | ||
| Average total assets | $881,483,667 | 1,091 |
| Average earning assets | $847,381,667 | 1,066 |
| Average equity | $106,771,000 | 923 |
| Average total loans | $710,207,667 | 876 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 723 |
| Cost of funding earning assets | 0.4760% | 562 |
| Net interest margin | 3.5570% | 969 |
| Noninterest income to average assets | 0.1190% | 4,408 |
| Noninterest expense to average assets | 1.3551% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5975% | 514 |
| Return on assets (ROA) | 1.5975% | 511 |
| Pretax return on assets | 2.1887% | 261 |
| Return on Equity (ROE) | 13.4781% | 943 |
| Retained earnings to average equity (ytd only) | 13.4781% | 424 |
| Net charge-offs to loans | -0.0011% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2375% | 4,677 |
| Assets per employee ($millions) | 11.1057% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 4,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 79.5903% | 256 |
| Net loans and leases to deposits | 92.8861% | 403 |
| Net loans and leases to core deposits | 108.4867% | 289 |
| Total domestic deposits to total assets | 85.6859% | 3,351 |
| Equity capital to assets | 12.0310% | 939 |
| Core capital (leverage) ratio | 12.0764% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9760% | 1,049 |
| Memoranda: | ||
| Average total assets | $887,642,500 | 1,094 |
| Average earning assets | $854,650,000 | 1,066 |
| Average equity | $105,208,000 | 959 |
| Average total loans | $707,291,000 | 874 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 816 |
| Cost of funding earning assets | 0.5886% | 578 |
| Net interest margin | 3.7385% | 1,123 |
| Noninterest income to average assets | 0.2074% | 4,125 |
| Noninterest expense to average assets | 1.5661% | 4,466 |
| Loan and lease loss provision to assets | 0.0297% | 2,462 |
| Net operating income to assets | 1.6053% | 791 |
| Return on assets (ROA) | 1.6057% | 826 |
| Pretax return on assets | 2.1968% | 415 |
| Return on Equity (ROE) | 13.2193% | 1,392 |
| Retained earnings to average equity (ytd only) | 10.0796% | 900 |
| Net charge-offs to loans | 0.0010% | 2,640 |
| Credit loss provision to net charge-offs | 3,500.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 2,620.5714% | 49 |
| Efficiency ratio | 41.2992% | 4,654 |
| Assets per employee ($millions) | 10.6847% | 552 |
| Cash dividends to net income (ytd only)* | 23.7512% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,120 |
| Loan loss allowance to noncurrent loans | 1,632.8912% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,705 |
| Noncurrent loans to loans | 0.0538% | 3,697 |
| Net loans and leases to total assets | 78.3853% | 357 |
| Net loans and leases to deposits | 91.5341% | 498 |
| Net loans and leases to core deposits | 108.3113% | 313 |
| Total domestic deposits to total assets | 85.6350% | 3,043 |
| Equity capital to assets | 11.6737% | 1,408 |
| Core capital (leverage) ratio | 11.7783% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6003% | 1,141 |
| Memoranda: | ||
| Average total assets | $824,108,000 | 1,127 |
| Average earning assets | $790,182,200 | 1,100 |
| Average equity | $100,103,400 | 1,009 |
| Average total loans | $667,591,200 | 916 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 763 |
| Cost of funding earning assets | 0.6105% | 608 |
| Net interest margin | 3.8262% | 1,065 |
| Noninterest income to average assets | 0.2215% | 4,079 |
| Noninterest expense to average assets | 1.4883% | 4,603 |
| Loan and lease loss provision to assets | 0.0182% | 2,643 |
| Net operating income to assets | 1.8360% | 619 |
| Return on assets (ROA) | 1.8366% | 650 |
| Pretax return on assets | 2.3804% | 405 |
| Return on Equity (ROE) | 14.9602% | 1,146 |
| Retained earnings to average equity (ytd only) | 14.9602% | 404 |
| Net charge-offs to loans | 0.0012% | 2,392 |
| Credit loss provision to net charge-offs | 1,833.3333% | 347 |
| Earnings coverage of net charge-offs (x) | 2,423.0000% | 60 |
| Efficiency ratio | 38.2990% | 4,761 |
| Assets per employee ($millions) | 10.2847% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.6804% | 570 |
| Net loans and leases to deposits | 88.5588% | 687 |
| Net loans and leases to core deposits | 105.8752% | 413 |
| Total domestic deposits to total assets | 85.4577% | 2,962 |
| Equity capital to assets | 12.1059% | 1,355 |
| Core capital (leverage) ratio | 12.2781% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5532% | 1,037 |
| Memoranda: | ||
| Average total assets | $808,427,500 | 1,153 |
| Average earning assets | $774,250,750 | 1,129 |
| Average equity | $99,247,750 | 1,031 |
| Average total loans | $659,164,000 | 942 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 717 |
| Cost of funding earning assets | 0.6363% | 616 |
| Net interest margin | 3.8693% | 1,030 |
| Noninterest income to average assets | 0.2501% | 3,903 |
| Noninterest expense to average assets | 1.4001% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0242% | 467 |
| Return on assets (ROA) | 2.0242% | 492 |
| Pretax return on assets | 2.5498% | 329 |
| Return on Equity (ROE) | 16.4053% | 878 |
| Retained earnings to average equity (ytd only) | 16.4053% | 313 |
| Net charge-offs to loans | 0.0024% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,258.8750% | 100 |
| Efficiency ratio | 35.4464% | 4,849 |
| Assets per employee ($millions) | 10.0586% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,193 |
| Loan loss allowance to noncurrent loans | 308.6162% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 2,766 |
| Noncurrent loans to loans | 0.2872% | 2,898 |
| Net loans and leases to total assets | 80.1307% | 310 |
| Net loans and leases to deposits | 94.1957% | 449 |
| Net loans and leases to core deposits | 114.0240% | 287 |
| Total domestic deposits to total assets | 85.0684% | 3,062 |
| Equity capital to assets | 12.2998% | 1,220 |
| Core capital (leverage) ratio | 12.5671% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0121% | 1,119 |
| Memoranda: | ||
| Average total assets | $789,931,667 | 1,171 |
| Average earning assets | $755,336,333 | 1,146 |
| Average equity | $97,468,667 | 1,043 |
| Average total loans | $658,940,000 | 944 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 623 |
| Cost of funding earning assets | 0.6749% | 604 |
| Net interest margin | 3.9591% | 899 |
| Noninterest income to average assets | 0.2382% | 3,967 |
| Noninterest expense to average assets | 1.5168% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9824% | 583 |
| Return on assets (ROA) | 1.9824% | 626 |
| Pretax return on assets | 2.5008% | 438 |
| Return on Equity (ROE) | 16.0544% | 1,002 |
| Retained earnings to average equity (ytd only) | 16.0544% | 512 |
| Net charge-offs to loans | -0.0012% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7546% | 4,810 |
| Assets per employee ($millions) | 9.9868% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,171 |
| Loan loss allowance to noncurrent loans | 319.3096% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 2,969 |
| Noncurrent loans to loans | 0.2798% | 3,095 |
| Net loans and leases to total assets | 83.2279% | 175 |
| Net loans and leases to deposits | 98.0778% | 343 |
| Net loans and leases to core deposits | 120.2847% | 237 |
| Total domestic deposits to total assets | 84.8590% | 3,163 |
| Equity capital to assets | 12.3305% | 1,138 |
| Core capital (leverage) ratio | 12.5733% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4850% | 1,171 |
| Memoranda: | ||
| Average total assets | $772,391,500 | 1,182 |
| Average earning assets | $737,346,000 | 1,159 |
| Average equity | $95,375,500 | 1,049 |
| Average total loans | $654,890,000 | 939 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 306 |
| Cost of funding earning assets | 1.0747% | 445 |
| Net interest margin | 4.1694% | 688 |
| Noninterest income to average assets | 0.1521% | 4,534 |
| Noninterest expense to average assets | 1.7807% | 4,500 |
| Loan and lease loss provision to assets | 0.1125% | 2,942 |
| Net operating income to assets | 1.6795% | 526 |
| Return on assets (ROA) | 1.6795% | 563 |
| Pretax return on assets | 2.2792% | 264 |
| Return on Equity (ROE) | 13.4302% | 941 |
| Retained earnings to average equity (ytd only) | 11.2339% | 412 |
| Net charge-offs to loans | -0.0016% | 3,969 |
| Credit loss provision to net charge-offs | -8,050.0000% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6786% | 4,825 |
| Assets per employee ($millions) | 9.4478% | 638 |
| Cash dividends to net income (ytd only)* | 16.3532% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 4,146 |
| Loan loss allowance to noncurrent loans | 313.7858% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,040 |
| Noncurrent loans to loans | 0.2914% | 3,151 |
| Net loans and leases to total assets | 84.8489% | 140 |
| Net loans and leases to deposits | 100.4681% | 357 |
| Net loans and leases to core deposits | 123.9678% | 268 |
| Total domestic deposits to total assets | 84.4536% | 2,961 |
| Equity capital to assets | 12.3665% | 1,386 |
| Core capital (leverage) ratio | 12.6713% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0082% | 1,260 |
| Memoranda: | ||
| Average total assets | $715,434,200 | 1,155 |
| Average earning assets | $689,867,200 | 1,116 |
| Average equity | $89,470,000 | 1,063 |
| Average total loans | $630,137,800 | 936 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 303 |
| Cost of funding earning assets | 1.1824% | 396 |
| Net interest margin | 4.1795% | 765 |
| Noninterest income to average assets | 0.1338% | 4,625 |
| Noninterest expense to average assets | 1.6132% | 4,719 |
| Loan and lease loss provision to assets | 0.1316% | 2,705 |
| Net operating income to assets | 1.8364% | 419 |
| Return on assets (ROA) | 1.8364% | 469 |
| Pretax return on assets | 2.4294% | 237 |
| Return on Equity (ROE) | 14.6411% | 754 |
| Retained earnings to average equity (ytd only) | 14.6411% | 215 |
| Net charge-offs to loans | -0.0017% | 3,870 |
| Credit loss provision to net charge-offs | -8,700.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6469% | 4,925 |
| Assets per employee ($millions) | 8.9890% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 88.9945% | 59 |
| Net loans and leases to deposits | 104.7240% | 365 |
| Net loans and leases to core deposits | 131.0414% | 233 |
| Total domestic deposits to total assets | 84.9800% | 2,445 |
| Equity capital to assets | 12.9520% | 1,203 |
| Core capital (leverage) ratio | 12.8628% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3924% | 1,160 |
| Memoranda: | ||
| Average total assets | $705,336,250 | 1,154 |
| Average earning assets | $681,851,750 | 1,110 |
| Average equity | $88,470,250 | 1,063 |
| Average total loans | $625,865,250 | 940 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4792% | 348 |
| Cost of funding earning assets | 1.3012% | 359 |
| Net interest margin | 4.1779% | 972 |
| Noninterest income to average assets | 0.1393% | 4,607 |
| Noninterest expense to average assets | 1.5461% | 4,819 |
| Loan and lease loss provision to assets | 0.0885% | 3,169 |
| Net operating income to assets | 2.0213% | 318 |
| Return on assets (ROA) | 2.0213% | 352 |
| Pretax return on assets | 2.5450% | 199 |
| Return on Equity (ROE) | 16.2967% | 517 |
| Retained earnings to average equity (ytd only) | 16.2967% | 159 |
| Net charge-offs to loans | -0.0016% | 3,794 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9913% | 4,971 |
| Assets per employee ($millions) | 9.1452% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.8436% | 65 |
| Net loans and leases to deposits | 103.2004% | 406 |
| Net loans and leases to core deposits | 129.9146% | 257 |
| Total domestic deposits to total assets | 85.1194% | 2,345 |
| Equity capital to assets | 12.6910% | 1,287 |
| Core capital (leverage) ratio | 12.7586% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2853% | 1,180 |
| Memoranda: | ||
| Average total assets | $700,740,667 | 1,143 |
| Average earning assets | $677,658,667 | 1,103 |
| Average equity | $86,913,333 | 1,067 |
| Average total loans | $619,224,667 | 942 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7829% | 226 |
| Cost of funding earning assets | 1.4268% | 353 |
| Net interest margin | 4.3561% | 688 |
| Noninterest income to average assets | 0.1636% | 4,550 |
| Noninterest expense to average assets | 1.7170% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9423% | 301 |
| Return on assets (ROA) | 1.9423% | 331 |
| Pretax return on assets | 2.6600% | 130 |
| Return on Equity (ROE) | 15.8485% | 441 |
| Retained earnings to average equity (ytd only) | 15.8485% | 152 |
| Net charge-offs to loans | -0.0026% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2288% | 4,991 |
| Assets per employee ($millions) | 8.7123% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 87.7273% | 71 |
| Net loans and leases to deposits | 102.9650% | 410 |
| Net loans and leases to core deposits | 130.9393% | 256 |
| Total domestic deposits to total assets | 85.2012% | 2,333 |
| Equity capital to assets | 12.4569% | 1,760 |
| Core capital (leverage) ratio | 12.4128% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5586% | 1,455 |
| Memoranda: | ||
| Average total assets | $694,447,500 | 1,124 |
| Average earning assets | $671,708,500 | 1,076 |
| Average equity | $85,106,000 | 1,083 |
| Average total loans | $612,822,000 | 927 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0892% | 198 |
| Cost of funding earning assets | 1.4087% | 549 |
| Net interest margin | 4.6805% | 492 |
| Noninterest income to average assets | 0.1852% | 4,560 |
| Noninterest expense to average assets | 1.8548% | 4,709 |
| Loan and lease loss provision to assets | 0.0619% | 2,798 |
| Net operating income to assets | 2.0647% | 296 |
| Return on assets (ROA) | 2.0647% | 311 |
| Pretax return on assets | 2.7903% | 130 |
| Return on Equity (ROE) | 17.2119% | 396 |
| Retained earnings to average equity (ytd only) | 14.7135% | 99 |
| Net charge-offs to loans | -0.0090% | 4,440 |
| Credit loss provision to net charge-offs | -780.7692% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4044% | 5,077 |
| Assets per employee ($millions) | 8.6489% | 561 |
| Cash dividends to net income (ytd only)* | 14.5158% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 87.2928% | 109 |
| Net loans and leases to deposits | 102.4231% | 448 |
| Net loans and leases to core deposits | 129.8204% | 280 |
| Total domestic deposits to total assets | 85.2277% | 2,403 |
| Equity capital to assets | 12.0521% | 2,107 |
| Core capital (leverage) ratio | 12.0169% | 1,764 |
| Tier 1 risk-based capital ratio | 14.9852% | 2,785 |
| Total risk-based capital ratio | 15.9063% | 2,844 |
| Memoranda: | ||
| Average total assets | $655,653,800 | 1,140 |
| Average earning assets | $633,437,800 | 1,091 |
| Average equity | $78,649,000 | 1,105 |
| Average total loans | $579,161,200 | 938 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1240% | 195 |
| Cost of funding earning assets | 1.3772% | 617 |
| Net interest margin | 4.7468% | 457 |
| Noninterest income to average assets | 0.1858% | 4,611 |
| Noninterest expense to average assets | 1.6441% | 4,971 |
| Loan and lease loss provision to assets | 0.0340% | 3,218 |
| Net operating income to assets | 2.3279% | 213 |
| Return on assets (ROA) | 2.3279% | 223 |
| Pretax return on assets | 3.0962% | 105 |
| Return on Equity (ROE) | 19.4305% | 286 |
| Retained earnings to average equity (ytd only) | 19.4305% | 54 |
| Net charge-offs to loans | -0.0110% | 4,404 |
| Credit loss provision to net charge-offs | -351.0638% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4361% | 5,191 |
| Assets per employee ($millions) | 8.4058% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.4857% | 162 |
| Net loans and leases to deposits | 100.9458% | 570 |
| Net loans and leases to core deposits | 126.9039% | 351 |
| Total domestic deposits to total assets | 85.6754% | 2,127 |
| Equity capital to assets | 12.2068% | 2,107 |
| Core capital (leverage) ratio | 12.4277% | 1,615 |
| Tier 1 risk-based capital ratio | 15.6304% | 2,591 |
| Total risk-based capital ratio | 16.5482% | 2,648 |
| Memoranda: | ||
| Average total assets | $646,588,500 | 1,149 |
| Average earning assets | $625,026,750 | 1,104 |
| Average equity | $77,463,750 | 1,118 |
| Average total loans | $571,677,750 | 948 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1077% | 202 |
| Cost of funding earning assets | 1.3320% | 682 |
| Net interest margin | 4.7757% | 428 |
| Noninterest income to average assets | 0.1741% | 4,706 |
| Noninterest expense to average assets | 1.6320% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3862% | 180 |
| Return on assets (ROA) | 2.3862% | 186 |
| Pretax return on assets | 3.1529% | 102 |
| Return on Equity (ROE) | 20.0527% | 255 |
| Retained earnings to average equity (ytd only) | 20.0527% | 61 |
| Net charge-offs to loans | 0.0028% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,251.6250% | 55 |
| Efficiency ratio | 34.1077% | 5,237 |
| Assets per employee ($millions) | 9.0045% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 88.8997% | 81 |
| Net loans and leases to deposits | 104.0545% | 417 |
| Net loans and leases to core deposits | 131.0443% | 308 |
| Total domestic deposits to total assets | 85.4357% | 2,290 |
| Equity capital to assets | 12.2466% | 2,024 |
| Core capital (leverage) ratio | 12.2899% | 1,648 |
| Tier 1 risk-based capital ratio | 15.3062% | 2,709 |
| Total risk-based capital ratio | 16.2046% | 2,784 |
| Memoranda: | ||
| Average total assets | $635,162,670 | 1,171 |
| Average earning assets | $613,229,000 | 1,120 |
| Average equity | $75,581,000 | 1,131 |
| Average total loans | $564,334,000 | 957 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1170% | 184 |
| Cost of funding earning assets | 1.2886% | 680 |
| Net interest margin | 4.8284% | 383 |
| Noninterest income to average assets | 0.1585% | 4,787 |
| Noninterest expense to average assets | 1.6940% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3653% | 206 |
| Return on assets (ROA) | 2.3653% | 219 |
| Pretax return on assets | 3.1283% | 115 |
| Return on Equity (ROE) | 20.1812% | 255 |
| Retained earnings to average equity (ytd only) | 20.1812% | 103 |
| Net charge-offs to loans | 0.0101% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 351.1429% | 227 |
| Efficiency ratio | 35.1280% | 5,285 |
| Assets per employee ($millions) | 8.8111% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,418 |
| Loan loss allowance to noncurrent loans | 443.5824% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 3,993 |
| Noncurrent loans to loans | 0.1872% | 3,915 |
| Net loans and leases to total assets | 87.1811% | 137 |
| Net loans and leases to deposits | 101.6462% | 517 |
| Net loans and leases to core deposits | 128.7674% | 323 |
| Total domestic deposits to total assets | 85.7692% | 2,376 |
| Equity capital to assets | 11.9063% | 2,082 |
| Core capital (leverage) ratio | 12.0498% | 1,740 |
| Tier 1 risk-based capital ratio | 15.1152% | 2,830 |
| Total risk-based capital ratio | 16.0468% | 2,901 |
| Memoranda: | ||
| Average total assets | $628,581,500 | 1,181 |
| Average earning assets | $607,157,500 | 1,134 |
| Average equity | $73,672,500 | 1,154 |
| Average total loans | $556,003,000 | 971 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8149% | 231 |
| Cost of funding earning assets | 1.0360% | 651 |
| Net interest margin | 4.7789% | 415 |
| Noninterest income to average assets | 0.1628% | 4,908 |
| Noninterest expense to average assets | 1.8975% | 4,896 |
| Loan and lease loss provision to assets | 0.0587% | 2,991 |
| Net operating income to assets | 2.0651% | 312 |
| Return on assets (ROA) | 2.0651% | 310 |
| Pretax return on assets | 2.8210% | 125 |
| Return on Equity (ROE) | 18.2546% | 367 |
| Retained earnings to average equity (ytd only) | 15.3402% | 104 |
| Net charge-offs to loans | -0.0041% | 4,316 |
| Credit loss provision to net charge-offs | -1,590.9091% | 4,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7197% | 5,286 |
| Assets per employee ($millions) | 9.0256% | 465 |
| Cash dividends to net income (ytd only)* | 15.9652% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 4,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 88.2604% | 107 |
| Net loans and leases to deposits | 102.4967% | 561 |
| Net loans and leases to core deposits | 129.1054% | 339 |
| Total domestic deposits to total assets | 86.1105% | 2,177 |
| Equity capital to assets | 11.5311% | 2,236 |
| Core capital (leverage) ratio | 11.5678% | 2,049 |
| Tier 1 risk-based capital ratio | 14.4201% | 3,102 |
| Total risk-based capital ratio | 15.3579% | 3,176 |
| Memoranda: | ||
| Average total assets | $595,994,600 | 1,209 |
| Average earning assets | $575,484,400 | 1,169 |
| Average equity | $67,424,000 | 1,198 |
| Average total loans | $541,859,600 | 963 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7528% | 237 |
| Cost of funding earning assets | 0.9655% | 698 |
| Net interest margin | 4.7873% | 385 |
| Noninterest income to average assets | 0.1480% | 5,034 |
| Noninterest expense to average assets | 1.8136% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.1998% | 267 |
| Return on assets (ROA) | 2.1998% | 263 |
| Pretax return on assets | 2.9553% | 118 |
| Return on Equity (ROE) | 19.5451% | 300 |
| Retained earnings to average equity (ytd only) | 19.5451% | 62 |
| Net charge-offs to loans | -0.0045% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0302% | 5,369 |
| Assets per employee ($millions) | 8.4565% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 4,685 |
| Loan loss allowance to noncurrent loans | 8,582.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,977 |
| Noncurrent loans to loans | 0.0091% | 4,890 |
| Net loans and leases to total assets | 89.4141% | 93 |
| Net loans and leases to deposits | 103.5303% | 574 |
| Net loans and leases to core deposits | 129.8052% | 335 |
| Total domestic deposits to total assets | 86.3651% | 2,030 |
| Equity capital to assets | 11.6919% | 2,110 |
| Core capital (leverage) ratio | 11.8694% | 1,860 |
| Tier 1 risk-based capital ratio | 14.4014% | 3,170 |
| Total risk-based capital ratio | 15.2746% | 3,270 |
| Memoranda: | ||
| Average total assets | $589,301,750 | 1,229 |
| Average earning assets | $568,821,000 | 1,187 |
| Average equity | $66,327,000 | 1,214 |
| Average total loans | $538,749,250 | 968 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 217 |
| Cost of funding earning assets | 0.9070% | 717 |
| Net interest margin | 4.8356% | 345 |
| Noninterest income to average assets | 0.1359% | 5,133 |
| Noninterest expense to average assets | 1.7372% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2194% | 245 |
| Return on assets (ROA) | 2.2194% | 235 |
| Pretax return on assets | 3.0626% | 106 |
| Return on Equity (ROE) | 19.9887% | 267 |
| Retained earnings to average equity (ytd only) | 19.9887% | 68 |
| Net charge-offs to loans | -0.0045% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1933% | 5,447 |
| Assets per employee ($millions) | 8.3562% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 4,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 91.4570% | 41 |
| Net loans and leases to deposits | 105.8278% | 443 |
| Net loans and leases to core deposits | 131.0322% | 314 |
| Total domestic deposits to total assets | 86.4206% | 2,090 |
| Equity capital to assets | 11.6131% | 2,115 |
| Core capital (leverage) ratio | 11.5080% | 2,069 |
| Tier 1 risk-based capital ratio | 14.0605% | 3,326 |
| Total risk-based capital ratio | 14.9530% | 3,413 |
| Memoranda: | ||
| Average total assets | $582,780,670 | 1,240 |
| Average earning assets | $562,079,670 | 1,200 |
| Average equity | $64,706,670 | 1,240 |
| Average total loans | $535,431,670 | 979 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7265% | 206 |
| Cost of funding earning assets | 0.8635% | 714 |
| Net interest margin | 4.8630% | 299 |
| Noninterest income to average assets | 0.1286% | 5,220 |
| Noninterest expense to average assets | 1.8195% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2431% | 229 |
| Return on assets (ROA) | 2.2431% | 229 |
| Pretax return on assets | 2.9988% | 116 |
| Return on Equity (ROE) | 20.6798% | 211 |
| Retained earnings to average equity (ytd only) | 20.6798% | 92 |
| Net charge-offs to loans | -0.0052% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7622% | 5,489 |
| Assets per employee ($millions) | 8.8895% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 91.7513% | 31 |
| Net loans and leases to deposits | 105.6658% | 396 |
| Net loans and leases to core deposits | 130.3939% | 333 |
| Total domestic deposits to total assets | 86.8316% | 2,188 |
| Equity capital to assets | 11.2017% | 2,384 |
| Core capital (leverage) ratio | 11.1772% | 2,260 |
| Tier 1 risk-based capital ratio | 13.4822% | 3,663 |
| Total risk-based capital ratio | 14.3795% | 3,793 |
| Memoranda: | ||
| Average total assets | $581,703,000 | 1,250 |
| Average earning assets | $560,967,500 | 1,205 |
| Average equity | $63,095,500 | 1,271 |
| Average total loans | $533,522,500 | 986 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 330 |
| Cost of funding earning assets | 0.7849% | 674 |
| Net interest margin | 4.5767% | 525 |
| Noninterest income to average assets | 0.1225% | 5,335 |
| Noninterest expense to average assets | 2.0438% | 4,888 |
| Loan and lease loss provision to assets | 0.0871% | 2,451 |
| Net operating income to assets | 1.3550% | 1,109 |
| Return on assets (ROA) | 1.3550% | 1,128 |
| Pretax return on assets | 2.4022% | 216 |
| Return on Equity (ROE) | 12.8640% | 983 |
| Retained earnings to average equity (ytd only) | 10.2109% | 325 |
| Net charge-offs to loans | -0.0040% | 4,602 |
| Credit loss provision to net charge-offs | -2,450.0000% | 5,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0863% | 5,422 |
| Assets per employee ($millions) | 8.7402% | 491 |
| Cash dividends to net income (ytd only)* | 20.6245% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.2232% | 71 |
| Net loans and leases to deposits | 103.5123% | 516 |
| Net loans and leases to core deposits | 128.5102% | 373 |
| Total domestic deposits to total assets | 87.1619% | 1,913 |
| Equity capital to assets | 10.4964% | 3,172 |
| Core capital (leverage) ratio | 10.5204% | 2,827 |
| Tier 1 risk-based capital ratio | 12.7220% | 4,080 |
| Total risk-based capital ratio | 13.6125% | 4,200 |
| Memoranda: | ||
| Average total assets | $562,529,400 | 1,260 |
| Average earning assets | $542,117,600 | 1,222 |
| Average equity | $59,250,400 | 1,324 |
| Average total loans | $505,985,600 | 1,014 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 352 |
| Cost of funding earning assets | 0.7657% | 703 |
| Net interest margin | 4.5199% | 574 |
| Noninterest income to average assets | 0.1233% | 5,387 |
| Noninterest expense to average assets | 1.7347% | 5,338 |
| Loan and lease loss provision to assets | 0.0766% | 2,542 |
| Net operating income to assets | 1.6009% | 718 |
| Return on assets (ROA) | 1.6009% | 733 |
| Pretax return on assets | 2.6661% | 162 |
| Return on Equity (ROE) | 15.1851% | 629 |
| Retained earnings to average equity (ytd only) | 15.1851% | 114 |
| Net charge-offs to loans | -0.0043% | 4,428 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7442% | 5,606 |
| Assets per employee ($millions) | 8.8719% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 90.2394% | 72 |
| Net loans and leases to deposits | 101.3977% | 653 |
| Net loans and leases to core deposits | 125.6611% | 417 |
| Total domestic deposits to total assets | 88.9956% | 896 |
| Equity capital to assets | 10.7691% | 3,097 |
| Core capital (leverage) ratio | 10.7688% | 2,675 |
| Tier 1 risk-based capital ratio | 12.9675% | 4,033 |
| Total risk-based capital ratio | 13.8336% | 4,172 |
| Memoranda: | ||
| Average total assets | $556,764,000 | 1,284 |
| Average earning assets | $536,340,750 | 1,240 |
| Average equity | $58,696,500 | 1,347 |
| Average total loans | $499,329,000 | 1,032 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 432 |
| Cost of funding earning assets | 0.7454% | 701 |
| Net interest margin | 4.4049% | 698 |
| Noninterest income to average assets | 0.1302% | 5,401 |
| Noninterest expense to average assets | 1.6912% | 5,420 |
| Loan and lease loss provision to assets | 0.0691% | 2,590 |
| Net operating income to assets | 1.5796% | 742 |
| Return on assets (ROA) | 1.5796% | 759 |
| Pretax return on assets | 2.6110% | 179 |
| Return on Equity (ROE) | 15.0970% | 645 |
| Retained earnings to average equity (ytd only) | 15.0970% | 136 |
| Net charge-offs to loans | -0.0041% | 4,288 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6893% | 5,654 |
| Assets per employee ($millions) | 8.7560% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 5,004 |
| Loan loss allowance to noncurrent loans | 448.3032% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 4,561 |
| Noncurrent loans to loans | 0.1729% | 4,428 |
| Net loans and leases to total assets | 89.1553% | 108 |
| Net loans and leases to deposits | 99.8548% | 753 |
| Net loans and leases to core deposits | 122.7918% | 473 |
| Total domestic deposits to total assets | 89.2849% | 812 |
| Equity capital to assets | 10.4997% | 3,344 |
| Core capital (leverage) ratio | 10.3301% | 3,104 |
| Tier 1 risk-based capital ratio | 12.6568% | 4,207 |
| Total risk-based capital ratio | 13.5065% | 4,341 |
| Memoranda: | ||
| Average total assets | $550,126,670 | 1,301 |
| Average earning assets | $529,678,330 | 1,253 |
| Average equity | $57,561,000 | 1,378 |
| Average total loans | $490,942,670 | 1,048 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 434 |
| Cost of funding earning assets | 0.7060% | 819 |
| Net interest margin | 4.4109% | 624 |
| Noninterest income to average assets | 0.1450% | 5,390 |
| Noninterest expense to average assets | 1.7743% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5656% | 724 |
| Return on assets (ROA) | 1.5656% | 744 |
| Pretax return on assets | 2.6192% | 183 |
| Return on Equity (ROE) | 14.9905% | 643 |
| Retained earnings to average equity (ytd only) | 14.9905% | 232 |
| Net charge-offs to loans | -0.0042% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3840% | 5,689 |
| Assets per employee ($millions) | 8.5771% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 5,133 |
| Loan loss allowance to noncurrent loans | 426.2443% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 4,633 |
| Noncurrent loans to loans | 0.1815% | 4,473 |
| Net loans and leases to total assets | 85.3667% | 259 |
| Net loans and leases to deposits | 95.2953% | 983 |
| Net loans and leases to core deposits | 117.2908% | 548 |
| Total domestic deposits to total assets | 89.5813% | 859 |
| Equity capital to assets | 10.1612% | 3,559 |
| Core capital (leverage) ratio | 10.6039% | 2,787 |
| Tier 1 risk-based capital ratio | 12.6099% | 4,318 |
| Total risk-based capital ratio | 13.4465% | 4,486 |
| Memoranda: | ||
| Average total assets | $540,619,000 | 1,319 |
| Average earning assets | $520,713,000 | 1,270 |
| Average equity | $56,462,500 | 1,391 |
| Average total loans | $480,722,500 | 1,061 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2865% | 364 |
| Cost of funding earning assets | 0.6670% | 969 |
| Net interest margin | 4.6194% | 489 |
| Noninterest income to average assets | 0.1264% | 5,553 |
| Noninterest expense to average assets | 1.9382% | 5,309 |
| Loan and lease loss provision to assets | 0.1275% | 1,948 |
| Net operating income to assets | 1.4829% | 866 |
| Return on assets (ROA) | 1.4829% | 883 |
| Pretax return on assets | 2.4971% | 202 |
| Return on Equity (ROE) | 13.6038% | 842 |
| Retained earnings to average equity (ytd only) | 10.6533% | 343 |
| Net charge-offs to loans | 0.0091% | 3,956 |
| Credit loss provision to net charge-offs | 1,557.5000% | 274 |
| Earnings coverage of net charge-offs (x) | 320.7000% | 243 |
| Efficiency ratio | 42.4779% | 5,735 |
| Assets per employee ($millions) | 8.0492% | 598 |
| Cash dividends to net income (ytd only)* | 21.6887% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 5,123 |
| Loan loss allowance to noncurrent loans | 425.6787% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 4,303 |
| Noncurrent loans to loans | 0.1863% | 4,493 |
| Net loans and leases to total assets | 91.3643% | 41 |
| Net loans and leases to deposits | 102.9820% | 468 |
| Net loans and leases to core deposits | 126.7857% | 333 |
| Total domestic deposits to total assets | 88.7186% | 1,256 |
| Equity capital to assets | 10.7549% | 2,862 |
| Core capital (leverage) ratio | 10.5759% | 2,802 |
| Tier 1 risk-based capital ratio | 12.6025% | 4,323 |
| Total risk-based capital ratio | 13.4697% | 4,444 |
| Memoranda: | ||
| Average total assets | $488,757,600 | 1,410 |
| Average earning assets | $469,385,000 | 1,350 |
| Average equity | $53,279,200 | 1,443 |
| Average total loans | $438,425,200 | 1,114 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 390 |
| Cost of funding earning assets | 0.6537% | 1,040 |
| Net interest margin | 4.6125% | 496 |
| Noninterest income to average assets | 0.1286% | 5,609 |
| Noninterest expense to average assets | 1.8464% | 5,462 |
| Loan and lease loss provision to assets | 0.0940% | 2,346 |
| Net operating income to assets | 1.5414% | 811 |
| Return on assets (ROA) | 1.5414% | 852 |
| Pretax return on assets | 2.6173% | 184 |
| Return on Equity (ROE) | 14.0893% | 807 |
| Retained earnings to average equity (ytd only) | 14.0893% | 166 |
| Net charge-offs to loans | 0.0109% | 3,551 |
| Credit loss provision to net charge-offs | 971.4286% | 421 |
| Earnings coverage of net charge-offs (x) | 280.1159% | 290 |
| Efficiency ratio | 40.5109% | 5,820 |
| Assets per employee ($millions) | 8.2711% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 5,281 |
| Loan loss allowance to noncurrent loans | 394.2308% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 4,054 |
| Noncurrent loans to loans | 0.1946% | 4,571 |
| Net loans and leases to total assets | 87.9245% | 137 |
| Net loans and leases to deposits | 98.7683% | 794 |
| Net loans and leases to core deposits | 121.5581% | 463 |
| Total domestic deposits to total assets | 89.0210% | 897 |
| Equity capital to assets | 10.7840% | 3,263 |
| Core capital (leverage) ratio | 10.9206% | 2,539 |
| Tier 1 risk-based capital ratio | 13.0338% | 4,140 |
| Total risk-based capital ratio | 13.8670% | 4,303 |
| Memoranda: | ||
| Average total assets | $482,159,250 | 1,430 |
| Average earning assets | $462,995,500 | 1,378 |
| Average equity | $52,748,000 | 1,464 |
| Average total loans | $429,424,750 | 1,139 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 373 |
| Cost of funding earning assets | 0.6428% | 1,083 |
| Net interest margin | 4.6377% | 474 |
| Noninterest income to average assets | 0.1403% | 5,612 |
| Noninterest expense to average assets | 1.7794% | 5,618 |
| Loan and lease loss provision to assets | 0.0848% | 2,450 |
| Net operating income to assets | 1.8231% | 460 |
| Return on assets (ROA) | 1.8231% | 485 |
| Pretax return on assets | 2.7279% | 158 |
| Return on Equity (ROE) | 16.5790% | 474 |
| Retained earnings to average equity (ytd only) | 16.5790% | 103 |
| Net charge-offs to loans | 0.0190% | 3,119 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 165.9250% | 382 |
| Efficiency ratio | 38.7505% | 5,932 |
| Assets per employee ($millions) | 7.9840% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 5,343 |
| Loan loss allowance to noncurrent loans | 227.6755% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,897 |
| Noncurrent loans to loans | 0.3389% | 4,148 |
| Net loans and leases to total assets | 89.6611% | 75 |
| Net loans and leases to deposits | 101.2685% | 612 |
| Net loans and leases to core deposits | 124.4614% | 401 |
| Total domestic deposits to total assets | 88.5380% | 1,148 |
| Equity capital to assets | 11.2791% | 2,767 |
| Core capital (leverage) ratio | 11.3222% | 2,125 |
| Tier 1 risk-based capital ratio | 13.2020% | 4,075 |
| Total risk-based capital ratio | 14.0302% | 4,240 |
| Memoranda: | ||
| Average total assets | $471,943,670 | 1,452 |
| Average earning assets | $453,026,330 | 1,418 |
| Average equity | $51,897,000 | 1,486 |
| Average total loans | $421,110,670 | 1,158 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2057% | 412 |
| Cost of funding earning assets | 0.6519% | 1,042 |
| Net interest margin | 4.5538% | 549 |
| Noninterest income to average assets | 0.1597% | 5,535 |
| Noninterest expense to average assets | 1.8992% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8736% | 419 |
| Return on assets (ROA) | 1.8736% | 446 |
| Pretax return on assets | 2.6388% | 191 |
| Return on Equity (ROE) | 17.2654% | 411 |
| Retained earnings to average equity (ytd only) | 17.2654% | 143 |
| Net charge-offs to loans | 0.0424% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 70.2273% | 695 |
| Efficiency ratio | 41.8517% | 5,926 |
| Assets per employee ($millions) | 8.3777% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 5,505 |
| Loan loss allowance to noncurrent loans | 247.5138% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 4,103 |
| Noncurrent loans to loans | 0.3013% | 4,347 |
| Net loans and leases to total assets | 88.9566% | 90 |
| Net loans and leases to deposits | 100.2566% | 610 |
| Net loans and leases to core deposits | 122.3516% | 405 |
| Total domestic deposits to total assets | 88.7290% | 1,234 |
| Equity capital to assets | 11.0683% | 2,865 |
| Core capital (leverage) ratio | 11.0288% | 2,384 |
| Tier 1 risk-based capital ratio | 13.3333% | 4,077 |
| Total risk-based capital ratio | 14.1510% | 4,238 |
| Memoranda: | ||
| Average total assets | $468,397,000 | 1,465 |
| Average earning assets | $450,350,500 | 1,423 |
| Average equity | $50,830,000 | 1,514 |
| Average total loans | $415,241,000 | 1,170 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 512 |
| Cost of funding earning assets | 0.6809% | 907 |
| Net interest margin | 4.4203% | 761 |
| Noninterest income to average assets | 0.1882% | 5,469 |
| Noninterest expense to average assets | 1.9858% | 5,482 |
| Loan and lease loss provision to assets | 0.0327% | 3,712 |
| Net operating income to assets | 1.6065% | 697 |
| Return on assets (ROA) | 1.6065% | 718 |
| Pretax return on assets | 2.4073% | 239 |
| Return on Equity (ROE) | 15.5565% | 603 |
| Retained earnings to average equity (ytd only) | 12.2401% | 240 |
| Net charge-offs to loans | 0.0055% | 4,260 |
| Credit loss provision to net charge-offs | 714.2857% | 467 |
| Earnings coverage of net charge-offs (x) | 533.3333% | 124 |
| Efficiency ratio | 44.8683% | 5,957 |
| Assets per employee ($millions) | 8.0628% | 543 |
| Cash dividends to net income (ytd only)* | 21.3181% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 5,476 |
| Loan loss allowance to noncurrent loans | 148.4594% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 3,775 |
| Noncurrent loans to loans | 0.5224% | 3,602 |
| Net loans and leases to total assets | 86.9948% | 168 |
| Net loans and leases to deposits | 97.9407% | 822 |
| Net loans and leases to core deposits | 118.6999% | 517 |
| Total domestic deposits to total assets | 88.8240% | 1,211 |
| Equity capital to assets | 10.6348% | 3,203 |
| Core capital (leverage) ratio | 10.4891% | 2,946 |
| Tier 1 risk-based capital ratio | 13.2017% | 4,168 |
| Total risk-based capital ratio | 14.0595% | 4,344 |
| Memoranda: | ||
| Average total assets | $459,014,800 | 1,464 |
| Average earning assets | $440,033,200 | 1,412 |
| Average equity | $47,401,400 | 1,561 |
| Average total loans | $383,509,000 | 1,203 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 497 |
| Cost of funding earning assets | 0.6853% | 907 |
| Net interest margin | 4.4368% | 739 |
| Noninterest income to average assets | 0.2069% | 5,408 |
| Noninterest expense to average assets | 1.7327% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6976% | 628 |
| Return on assets (ROA) | 1.6976% | 652 |
| Pretax return on assets | 2.7220% | 165 |
| Return on Equity (ROE) | 16.5657% | 525 |
| Retained earnings to average equity (ytd only) | 16.5657% | 118 |
| Net charge-offs to loans | 0.0085% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 388.6153% | 197 |
| Efficiency ratio | 38.8954% | 6,148 |
| Assets per employee ($millions) | 8.4334% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 5,592 |
| Loan loss allowance to noncurrent loans | 240.2381% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,698 |
| Noncurrent loans to loans | 0.3197% | 4,452 |
| Net loans and leases to total assets | 82.8172% | 494 |
| Net loans and leases to deposits | 92.7955% | 1,329 |
| Net loans and leases to core deposits | 112.3801% | 740 |
| Total domestic deposits to total assets | 89.2470% | 899 |
| Equity capital to assets | 10.5363% | 3,567 |
| Core capital (leverage) ratio | 10.4416% | 3,115 |
| Tier 1 risk-based capital ratio | 13.6294% | 4,064 |
| Total risk-based capital ratio | 14.4725% | 4,230 |
| Memoranda: | ||
| Average total assets | $456,857,500 | 1,479 |
| Average earning assets | $437,389,000 | 1,421 |
| Average equity | $46,818,500 | 1,587 |
| Average total loans | $376,884,750 | 1,223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 459 |
| Cost of funding earning assets | 0.6881% | 896 |
| Net interest margin | 4.4617% | 678 |
| Noninterest income to average assets | 0.2422% | 5,226 |
| Noninterest expense to average assets | 1.7701% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7135% | 617 |
| Return on assets (ROA) | 1.7135% | 644 |
| Pretax return on assets | 2.7384% | 176 |
| Return on Equity (ROE) | 16.8856% | 500 |
| Retained earnings to average equity (ytd only) | 16.8856% | 129 |
| Net charge-offs to loans | 0.0151% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 220.8929% | 316 |
| Efficiency ratio | 39.2615% | 6,218 |
| Assets per employee ($millions) | 7.6610% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 5,548 |
| Loan loss allowance to noncurrent loans | 345.4857% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,593 |
| Noncurrent loans to loans | 0.2371% | 4,814 |
| Net loans and leases to total assets | 78.3314% | 1,026 |
| Net loans and leases to deposits | 87.4363% | 1,893 |
| Net loans and leases to core deposits | 107.7015% | 975 |
| Total domestic deposits to total assets | 89.5868% | 853 |
| Equity capital to assets | 10.2358% | 3,768 |
| Core capital (leverage) ratio | 10.1149% | 3,443 |
| Tier 1 risk-based capital ratio | 13.3198% | 4,334 |
| Total risk-based capital ratio | 14.1783% | 4,474 |
| Memoranda: | ||
| Average total assets | $451,720,000 | 1,506 |
| Average earning assets | $431,943,000 | 1,453 |
| Average equity | $45,838,000 | 1,625 |
| Average total loans | $371,130,330 | 1,244 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 479 |
| Cost of funding earning assets | 0.6894% | 896 |
| Net interest margin | 4.4162% | 706 |
| Noninterest income to average assets | 0.1406% | 5,908 |
| Noninterest expense to average assets | 1.6751% | 6,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5615% | 763 |
| Return on assets (ROA) | 1.5615% | 803 |
| Pretax return on assets | 2.6852% | 190 |
| Return on Equity (ROE) | 15.4594% | 639 |
| Retained earnings to average equity (ytd only) | 15.4594% | 246 |
| Net charge-offs to loans | 0.0322% | 2,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 499 |
| Efficiency ratio | 38.4170% | 6,297 |
| Assets per employee ($millions) | 8.0249% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 5,706 |
| Loan loss allowance to noncurrent loans | 211.1888% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,980 |
| Noncurrent loans to loans | 0.3764% | 4,462 |
| Net loans and leases to total assets | 82.4064% | 419 |
| Net loans and leases to deposits | 91.7462% | 1,219 |
| Net loans and leases to core deposits | 114.2955% | 570 |
| Total domestic deposits to total assets | 89.8200% | 832 |
| Equity capital to assets | 9.9924% | 4,158 |
| Core capital (leverage) ratio | 10.0887% | 3,492 |
| Tier 1 risk-based capital ratio | 12.3416% | 5,017 |
| Total risk-based capital ratio | 13.1642% | 5,191 |
| Memoranda: | ||
| Average total assets | $443,919,500 | 1,543 |
| Average earning assets | $424,167,000 | 1,488 |
| Average equity | $44,840,000 | 1,667 |
| Average total loans | $372,154,500 | 1,237 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 327 |
| Cost of funding earning assets | 0.5646% | 2,100 |
| Net interest margin | 4.9174% | 345 |
| Noninterest income to average assets | 0.1721% | 5,826 |
| Noninterest expense to average assets | 1.9425% | 5,873 |
| Loan and lease loss provision to assets | 0.1017% | 2,459 |
| Net operating income to assets | 1.6006% | 705 |
| Return on assets (ROA) | 1.6006% | 737 |
| Pretax return on assets | 2.7893% | 138 |
| Return on Equity (ROE) | 15.0320% | 775 |
| Retained earnings to average equity (ytd only) | 11.2800% | 352 |
| Net charge-offs to loans | 0.0092% | 4,727 |
| Credit loss provision to net charge-offs | 1,290.3226% | 225 |
| Earnings coverage of net charge-offs (x) | 366.9355% | 148 |
| Efficiency ratio | 40.1882% | 6,398 |
| Assets per employee ($millions) | 7.4211% | 685 |
| Cash dividends to net income (ytd only)* | 24.9603% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 5,668 |
| Loan loss allowance to noncurrent loans | 178.9443% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 2,957 |
| Noncurrent loans to loans | 0.4680% | 4,250 |
| Net loans and leases to total assets | 83.9402% | 347 |
| Net loans and leases to deposits | 94.0552% | 1,068 |
| Net loans and leases to core deposits | 115.7543% | 535 |
| Total domestic deposits to total assets | 89.2457% | 1,095 |
| Equity capital to assets | 10.2163% | 3,835 |
| Core capital (leverage) ratio | 10.5098% | 2,937 |
| Tier 1 risk-based capital ratio | 13.1895% | 4,594 |
| Total risk-based capital ratio | 14.1055% | 4,734 |
| Memoranda: | ||
| Average total assets | $393,470,000 | 1,665 |
| Average earning assets | $372,982,200 | 1,620 |
| Average equity | $41,897,200 | 1,715 |
| Average total loans | $337,530,800 | 1,293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 321 |
| Cost of funding earning assets | 0.5428% | 2,349 |
| Net interest margin | 4.9460% | 330 |
| Noninterest income to average assets | 0.1704% | 5,903 |
| Noninterest expense to average assets | 1.8596% | 6,012 |
| Loan and lease loss provision to assets | 0.1388% | 1,799 |
| Net operating income to assets | 1.5039% | 936 |
| Return on assets (ROA) | 1.5039% | 964 |
| Pretax return on assets | 2.8486% | 133 |
| Return on Equity (ROE) | 13.9651% | 993 |
| Retained earnings to average equity (ytd only) | 13.9651% | 254 |
| Net charge-offs to loans | 0.0137% | 4,280 |
| Credit loss provision to net charge-offs | 1,176.4706% | 293 |
| Earnings coverage of net charge-offs (x) | 253.2182% | 264 |
| Efficiency ratio | 38.3663% | 6,483 |
| Assets per employee ($millions) | 6.8766% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 5,737 |
| Loan loss allowance to noncurrent loans | 273.1183% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 3,155 |
| Noncurrent loans to loans | 0.3121% | 4,973 |
| Net loans and leases to total assets | 88.8853% | 82 |
| Net loans and leases to deposits | 100.0102% | 615 |
| Net loans and leases to core deposits | 120.5778% | 385 |
| Total domestic deposits to total assets | 88.8763% | 1,315 |
| Equity capital to assets | 10.9259% | 3,032 |
| Core capital (leverage) ratio | 11.2102% | 2,298 |
| Tier 1 risk-based capital ratio | 13.2136% | 4,721 |
| Total risk-based capital ratio | 14.1386% | 4,843 |
| Memoranda: | ||
| Average total assets | $384,232,000 | 1,715 |
| Average earning assets | $363,302,500 | 1,666 |
| Average equity | $41,378,250 | 1,739 |
| Average total loans | $330,826,500 | 1,326 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 353 |
| Cost of funding earning assets | 0.5353% | 2,487 |
| Net interest margin | 4.8931% | 349 |
| Noninterest income to average assets | 0.1645% | 5,968 |
| Noninterest expense to average assets | 1.8204% | 6,117 |
| Loan and lease loss provision to assets | 0.1054% | 2,261 |
| Net operating income to assets | 1.4408% | 981 |
| Return on assets (ROA) | 1.4408% | 1,021 |
| Pretax return on assets | 2.8648% | 130 |
| Return on Equity (ROE) | 13.4480% | 1,064 |
| Retained earnings to average equity (ytd only) | 13.4480% | 297 |
| Net charge-offs to loans | 0.0249% | 3,702 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 140.8500% | 431 |
| Efficiency ratio | 37.9993% | 6,552 |
| Assets per employee ($millions) | 7.5322% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 5,876 |
| Loan loss allowance to noncurrent loans | 254.9776% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 3,163 |
| Noncurrent loans to loans | 0.3326% | 5,018 |
| Net loans and leases to total assets | 86.5224% | 152 |
| Net loans and leases to deposits | 97.3325% | 713 |
| Net loans and leases to core deposits | 114.9975% | 502 |
| Total domestic deposits to total assets | 88.8937% | 1,423 |
| Equity capital to assets | 10.9278% | 2,948 |
| Core capital (leverage) ratio | 11.0075% | 2,424 |
| Tier 1 risk-based capital ratio | 13.5865% | 4,538 |
| Total risk-based capital ratio | 14.5075% | 4,684 |
| Memoranda: | ||
| Average total assets | $379,362,000 | 1,735 |
| Average earning assets | $358,671,670 | 1,688 |
| Average equity | $40,645,330 | 1,756 |
| Average total loans | $321,915,330 | 1,353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 337 |
| Cost of funding earning assets | 0.5453% | 2,460 |
| Net interest margin | 4.8700% | 339 |
| Noninterest income to average assets | 0.1592% | 6,018 |
| Noninterest expense to average assets | 1.7487% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6786% | 592 |
| Return on assets (ROA) | 1.6786% | 611 |
| Pretax return on assets | 3.0156% | 137 |
| Return on Equity (ROE) | 15.8283% | 657 |
| Retained earnings to average equity (ytd only) | 15.8283% | 278 |
| Net charge-offs to loans | -0.0013% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7038% | 6,634 |
| Assets per employee ($millions) | 7.6440% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,006 |
| Loan loss allowance to noncurrent loans | 171.9411% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 3,065 |
| Noncurrent loans to loans | 0.4941% | 4,678 |
| Net loans and leases to total assets | 83.6317% | 251 |
| Net loans and leases to deposits | 94.0348% | 787 |
| Net loans and leases to core deposits | 109.1925% | 618 |
| Total domestic deposits to total assets | 88.9370% | 1,705 |
| Equity capital to assets | 10.8927% | 2,832 |
| Core capital (leverage) ratio | 10.7764% | 2,624 |
| Tier 1 risk-based capital ratio | 14.1213% | 4,245 |
| Total risk-based capital ratio | 15.0506% | 4,423 |
| Memoranda: | ||
| Average total assets | $376,972,500 | 1,748 |
| Average earning assets | $356,469,500 | 1,704 |
| Average equity | $39,979,000 | 1,770 |
| Average total loans | $315,267,500 | 1,381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 249 |
| Cost of funding earning assets | 0.6325% | 2,362 |
| Net interest margin | 5.1200% | 243 |
| Noninterest income to average assets | 0.3729% | 4,646 |
| Noninterest expense to average assets | 2.1334% | 5,762 |
| Loan and lease loss provision to assets | 0.1123% | 2,938 |
| Net operating income to assets | 1.7061% | 575 |
| Return on assets (ROA) | 1.7061% | 589 |
| Pretax return on assets | 2.9893% | 124 |
| Return on Equity (ROE) | 17.3533% | 467 |
| Retained earnings to average equity (ytd only) | 13.1777% | 240 |
| Net charge-offs to loans | -0.0040% | 5,904 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7531% | 6,679 |
| Assets per employee ($millions) | 7.9040% | 493 |
| Cash dividends to net income (ytd only)* | 24.0619% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 6,051 |
| Loan loss allowance to noncurrent loans | 240.8438% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 3,496 |
| Noncurrent loans to loans | 0.3541% | 5,125 |
| Net loans and leases to total assets | 82.2165% | 399 |
| Net loans and leases to deposits | 92.1184% | 1,038 |
| Net loans and leases to core deposits | 109.5147% | 628 |
| Total domestic deposits to total assets | 89.2509% | 1,454 |
| Equity capital to assets | 10.3215% | 3,378 |
| Core capital (leverage) ratio | 10.1505% | 3,366 |
| Tier 1 risk-based capital ratio | 12.6103% | 5,224 |
| Total risk-based capital ratio | 13.4734% | 5,407 |
| Memoranda: | ||
| Average total assets | $356,139,800 | 1,826 |
| Average earning assets | $338,203,000 | 1,756 |
| Average equity | $35,013,600 | 1,971 |
| Average total loans | $297,520,000 | 1,411 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 278 |
| Cost of funding earning assets | 0.6458% | 2,402 |
| Net interest margin | 5.0565% | 288 |
| Noninterest income to average assets | 0.4388% | 4,230 |
| Noninterest expense to average assets | 2.0856% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7823% | 542 |
| Return on assets (ROA) | 1.7823% | 569 |
| Pretax return on assets | 3.1631% | 115 |
| Return on Equity (ROE) | 18.3765% | 411 |
| Retained earnings to average equity (ytd only) | 15.7238% | 167 |
| Net charge-offs to loans | -0.0159% | 5,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7361% | 6,761 |
| Assets per employee ($millions) | 7.6789% | 537 |
| Cash dividends to net income (ytd only)* | 14.4352% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 6,404 |
| Loan loss allowance to noncurrent loans | 130.2825% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 3,458 |
| Noncurrent loans to loans | 0.5602% | 4,802 |
| Net loans and leases to total assets | 80.0844% | 537 |
| Net loans and leases to deposits | 88.9879% | 1,270 |
| Net loans and leases to core deposits | 105.9514% | 760 |
| Total domestic deposits to total assets | 89.9947% | 1,000 |
| Equity capital to assets | 9.8511% | 4,106 |
| Core capital (leverage) ratio | 10.0093% | 3,665 |
| Tier 1 risk-based capital ratio | 12.4405% | 5,489 |
| Total risk-based capital ratio | 13.1839% | 5,758 |
| Memoranda: | ||
| Average total assets | $350,327,000 | 1,862 |
| Average earning assets | $333,236,750 | 1,799 |
| Average equity | $33,977,250 | 2,042 |
| Average total loans | $293,248,750 | 1,440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 275 |
| Cost of funding earning assets | 0.6703% | 2,317 |
| Net interest margin | 5.0361% | 291 |
| Noninterest income to average assets | 0.5972% | 3,213 |
| Noninterest expense to average assets | 2.1827% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9467% | 388 |
| Return on assets (ROA) | 1.9467% | 423 |
| Pretax return on assets | 3.2054% | 130 |
| Return on Equity (ROE) | 20.1952% | 289 |
| Retained earnings to average equity (ytd only) | 16.0279% | 189 |
| Net charge-offs to loans | -0.0140% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5095% | 6,785 |
| Assets per employee ($millions) | 6.9948% | 720 |
| Cash dividends to net income (ytd only)* | 20.6349% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 6,452 |
| Loan loss allowance to noncurrent loans | 186.2602% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 3,987 |
| Noncurrent loans to loans | 0.3951% | 5,283 |
| Net loans and leases to total assets | 81.8169% | 370 |
| Net loans and leases to deposits | 90.9352% | 1,059 |
| Net loans and leases to core deposits | 109.0709% | 599 |
| Total domestic deposits to total assets | 89.9727% | 1,039 |
| Equity capital to assets | 9.8425% | 4,134 |
| Core capital (leverage) ratio | 9.9582% | 3,575 |
| Tier 1 risk-based capital ratio | 13.1165% | 5,056 |
| Total risk-based capital ratio | 13.9247% | 5,316 |
| Memoranda: | ||
| Average total assets | $336,561,670 | 1,926 |
| Average earning assets | $320,166,670 | 1,871 |
| Average equity | $32,443,330 | 2,131 |
| Average total loans | $285,686,670 | 1,484 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8026% | 231 |
| Cost of funding earning assets | 0.6988% | 2,218 |
| Net interest margin | 5.1038% | 236 |
| Noninterest income to average assets | 0.0911% | 6,607 |
| Noninterest expense to average assets | 1.6976% | 6,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7419% | 529 |
| Return on assets (ROA) | 1.7419% | 586 |
| Pretax return on assets | 3.2660% | 126 |
| Return on Equity (ROE) | 18.3000% | 411 |
| Retained earnings to average equity (ytd only) | 9.3096% | 1,282 |
| Net charge-offs to loans | -0.0103% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2005% | 6,934 |
| Assets per employee ($millions) | 8.3907% | 413 |
| Cash dividends to net income (ytd only)* | 49.1279% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 6,403 |
| Loan loss allowance to noncurrent loans | 260.3429% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 5,741 |
| Noncurrent loans to loans | 0.3193% | 5,599 |
| Net loans and leases to total assets | 85.2286% | 154 |
| Net loans and leases to deposits | 94.6653% | 628 |
| Net loans and leases to core deposits | 117.1060% | 324 |
| Total domestic deposits to total assets | 90.0316% | 1,028 |
| Equity capital to assets | 9.5422% | 4,792 |
| Core capital (leverage) ratio | 9.5677% | 3,979 |
| Tier 1 risk-based capital ratio | 12.6199% | 5,504 |
| Total risk-based capital ratio | 13.5666% | 5,658 |
| Memoranda: | ||
| Average total assets | $315,983,500 | 2,073 |
| Average earning assets | $301,659,000 | 2,002 |
| Average equity | $30,076,500 | 2,285 |
| Average total loans | $272,866,000 | 1,559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3104% | 168 |
| Cost of funding earning assets | 0.7690% | 2,926 |
| Net interest margin | 5.5413% | 160 |
| Noninterest income to average assets | 0.1331% | 6,376 |
| Noninterest expense to average assets | 1.9423% | 6,431 |
| Loan and lease loss provision to assets | 0.1071% | 4,295 |
| Net operating income to assets | 1.8037% | 505 |
| Return on assets (ROA) | 1.8037% | 568 |
| Pretax return on assets | 3.3555% | 114 |
| Return on Equity (ROE) | 18.9469% | 362 |
| Retained earnings to average equity (ytd only) | 16.4928% | 108 |
| Net charge-offs to loans | -0.0020% | 6,328 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9358% | 6,991 |
| Assets per employee ($millions) | 8.2400% | 453 |
| Cash dividends to net income (ytd only)* | 12.9527% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 6,420 |
| Loan loss allowance to noncurrent loans | 259.5429% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,851 |
| Noncurrent loans to loans | 0.3220% | 5,680 |
| Net loans and leases to total assets | 86.0482% | 127 |
| Net loans and leases to deposits | 95.2831% | 664 |
| Net loans and leases to core deposits | 118.8740% | 304 |
| Total domestic deposits to total assets | 90.3079% | 796 |
| Equity capital to assets | 9.4941% | 4,882 |
| Core capital (leverage) ratio | 9.7809% | 3,684 |
| Tier 1 risk-based capital ratio | 12.6139% | 5,389 |
| Total risk-based capital ratio | 13.5796% | 5,533 |
| Memoranda: | ||
| Average total assets | $289,347,400 | 2,207 |
| Average earning assets | $275,276,600 | 2,130 |
| Average equity | $27,545,400 | 2,443 |
| Average total loans | $252,463,200 | 1,634 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3663% | 163 |
| Cost of funding earning assets | 0.7874% | 3,051 |
| Net interest margin | 5.5789% | 159 |
| Noninterest income to average assets | 0.1425% | 6,432 |
| Noninterest expense to average assets | 1.9689% | 6,404 |
| Loan and lease loss provision to assets | 0.1176% | 4,079 |
| Net operating income to assets | 1.8136% | 549 |
| Return on assets (ROA) | 1.8136% | 611 |
| Pretax return on assets | 3.3563% | 116 |
| Return on Equity (ROE) | 19.0367% | 391 |
| Retained earnings to average equity (ytd only) | 15.6985% | 203 |
| Net charge-offs to loans | -0.0027% | 6,221 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1743% | 7,072 |
| Assets per employee ($millions) | 7.6657% | 547 |
| Cash dividends to net income (ytd only)* | 17.5357% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,484 |
| Loan loss allowance to noncurrent loans | 252.6857% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 5,944 |
| Noncurrent loans to loans | 0.3406% | 5,793 |
| Net loans and leases to total assets | 87.4414% | 103 |
| Net loans and leases to deposits | 97.1179% | 593 |
| Net loans and leases to core deposits | 122.4056% | 269 |
| Total domestic deposits to total assets | 90.0363% | 830 |
| Equity capital to assets | 9.7402% | 4,872 |
| Core capital (leverage) ratio | 9.6953% | 3,963 |
| Tier 1 risk-based capital ratio | 12.6307% | 5,535 |
| Total risk-based capital ratio | 13.6175% | 5,695 |
| Memoranda: | ||
| Average total assets | $283,404,000 | 2,270 |
| Average earning assets | $269,244,000 | 2,187 |
| Average equity | $26,999,750 | 2,501 |
| Average total loans | $247,652,500 | 1,676 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3817% | 169 |
| Cost of funding earning assets | 0.7982% | 3,203 |
| Net interest margin | 5.5835% | 158 |
| Noninterest income to average assets | 0.1610% | 6,379 |
| Noninterest expense to average assets | 2.0657% | 6,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9874% | 398 |
| Return on assets (ROA) | 1.9874% | 457 |
| Pretax return on assets | 3.3971% | 119 |
| Return on Equity (ROE) | 21.0233% | 291 |
| Retained earnings to average equity (ytd only) | 21.0233% | 86 |
| Net charge-offs to loans | -0.0033% | 6,125 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8146% | 7,096 |
| Assets per employee ($millions) | 7.6277% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 6,700 |
| Loan loss allowance to noncurrent loans | 224.0000% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 6,011 |
| Noncurrent loans to loans | 0.3516% | 5,843 |
| Net loans and leases to total assets | 85.1831% | 171 |
| Net loans and leases to deposits | 94.5463% | 728 |
| Net loans and leases to core deposits | 120.4081% | 302 |
| Total domestic deposits to total assets | 90.0966% | 874 |
| Equity capital to assets | 9.6467% | 4,843 |
| Core capital (leverage) ratio | 9.6474% | 3,925 |
| Tier 1 risk-based capital ratio | 12.6036% | 5,491 |
| Total risk-based capital ratio | 13.4886% | 5,748 |
| Memoranda: | ||
| Average total assets | $280,772,670 | 2,298 |
| Average earning assets | $266,605,670 | 2,214 |
| Average equity | $26,542,000 | 2,529 |
| Average total loans | $244,561,330 | 1,693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5076% | 159 |
| Cost of funding earning assets | 0.8121% | 3,373 |
| Net interest margin | 5.6955% | 140 |
| Noninterest income to average assets | 0.1173% | 6,669 |
| Noninterest expense to average assets | 2.1315% | 6,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9534% | 459 |
| Return on assets (ROA) | 1.9534% | 525 |
| Pretax return on assets | 3.3986% | 127 |
| Return on Equity (ROE) | 20.8884% | 321 |
| Retained earnings to average equity (ytd only) | 20.8884% | 163 |
| Net charge-offs to loans | -0.0033% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5441% | 7,137 |
| Assets per employee ($millions) | 7.4781% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 6,736 |
| Loan loss allowance to noncurrent loans | 223.7714% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,125 |
| Noncurrent loans to loans | 0.3581% | 5,960 |
| Net loans and leases to total assets | 85.2967% | 142 |
| Net loans and leases to deposits | 94.2931% | 638 |
| Net loans and leases to core deposits | 121.9908% | 283 |
| Total domestic deposits to total assets | 90.4592% | 825 |
| Equity capital to assets | 9.3346% | 5,048 |
| Core capital (leverage) ratio | 9.4246% | 4,164 |
| Tier 1 risk-based capital ratio | 12.1354% | 5,875 |
| Total risk-based capital ratio | 13.0331% | 6,080 |
| Memoranda: | ||
| Average total assets | $276,233,500 | 2,335 |
| Average earning assets | $262,524,000 | 2,256 |
| Average equity | $25,832,500 | 2,583 |
| Average total loans | $242,410,000 | 1,704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4451% | 196 |
| Cost of funding earning assets | 0.8341% | 4,595 |
| Net interest margin | 5.6110% | 151 |
| Noninterest income to average assets | 0.1481% | 6,407 |
| Noninterest expense to average assets | 2.0876% | 6,514 |
| Loan and lease loss provision to assets | 0.1218% | 5,083 |
| Net operating income to assets | 1.7723% | 486 |
| Return on assets (ROA) | 1.8393% | 462 |
| Pretax return on assets | 3.3368% | 98 |
| Return on Equity (ROE) | 19.2563% | 298 |
| Retained earnings to average equity (ytd only) | 14.2297% | 164 |
| Net charge-offs to loans | -0.0023% | 6,802 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3652% | 7,230 |
| Assets per employee ($millions) | 6.8795% | 783 |
| Cash dividends to net income (ytd only)* | 26.1033% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 6,708 |
| Loan loss allowance to noncurrent loans | 223.5429% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 6,159 |
| Noncurrent loans to loans | 0.3639% | 5,992 |
| Net loans and leases to total assets | 88.9008% | 63 |
| Net loans and leases to deposits | 98.3373% | 538 |
| Net loans and leases to core deposits | 126.6050% | 272 |
| Total domestic deposits to total assets | 90.4040% | 760 |
| Equity capital to assets | 9.3698% | 5,062 |
| Core capital (leverage) ratio | 9.5861% | 3,898 |
| Tier 1 risk-based capital ratio | 10.8813% | 6,517 |
| Total risk-based capital ratio | 11.7286% | 6,674 |
| Memoranda: | ||
| Average total assets | $246,401,800 | 2,563 |
| Average earning assets | $232,455,800 | 2,482 |
| Average equity | $23,535,200 | 2,724 |
| Average total loans | $213,987,200 | 1,922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4147% | 221 |
| Cost of funding earning assets | 0.8413% | 4,837 |
| Net interest margin | 5.5733% | 160 |
| Noninterest income to average assets | 0.1455% | 6,527 |
| Noninterest expense to average assets | 2.2850% | 6,076 |
| Loan and lease loss provision to assets | 0.0830% | 5,404 |
| Net operating income to assets | 1.6004% | 775 |
| Return on assets (ROA) | 1.6918% | 707 |
| Pretax return on assets | 3.1738% | 121 |
| Return on Equity (ROE) | 17.6185% | 497 |
| Retained earnings to average equity (ytd only) | 10.8004% | 664 |
| Net charge-offs to loans | -0.0135% | 6,824 |
| Credit loss provision to net charge-offs | -714.2857% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3227% | 7,198 |
| Assets per employee ($millions) | 6.7855% | 823 |
| Cash dividends to net income (ytd only)* | 38.6980% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 6,757 |
| Loan loss allowance to noncurrent loans | 158.8492% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 5,979 |
| Noncurrent loans to loans | 0.5230% | 5,808 |
| Net loans and leases to total assets | 84.3470% | 200 |
| Net loans and leases to deposits | 93.1278% | 907 |
| Net loans and leases to core deposits | 119.8348% | 388 |
| Total domestic deposits to total assets | 90.5712% | 597 |
| Equity capital to assets | 9.1779% | 5,544 |
| Core capital (leverage) ratio | 9.3096% | 4,436 |
| Tier 1 risk-based capital ratio | 10.8581% | 6,628 |
| Total risk-based capital ratio | 11.6948% | 6,781 |
| Memoranda: | ||
| Average total assets | $240,927,500 | 2,637 |
| Average earning assets | $227,099,000 | 2,544 |
| Average equity | $23,134,250 | 2,767 |
| Average total loans | $207,365,000 | 2,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4243% | 230 |
| Cost of funding earning assets | 0.8494% | 5,066 |
| Net interest margin | 5.5749% | 160 |
| Noninterest income to average assets | 0.1496% | 6,574 |
| Noninterest expense to average assets | 2.2313% | 6,302 |
| Loan and lease loss provision to assets | 0.1275% | 4,695 |
| Net operating income to assets | 1.7798% | 524 |
| Return on assets (ROA) | 1.9202% | 416 |
| Pretax return on assets | 3.2598% | 124 |
| Return on Equity (ROE) | 19.6800% | 332 |
| Retained earnings to average equity (ytd only) | 19.6800% | 97 |
| Net charge-offs to loans | -0.0108% | 6,699 |
| Credit loss provision to net charge-offs | -1,363.6364% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3256% | 7,313 |
| Assets per employee ($millions) | 6.6172% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 6,752 |
| Loan loss allowance to noncurrent loans | 157.9773% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 5,983 |
| Noncurrent loans to loans | 0.5429% | 5,829 |
| Net loans and leases to total assets | 85.5531% | 158 |
| Net loans and leases to deposits | 95.1504% | 788 |
| Net loans and leases to core deposits | 120.9817% | 394 |
| Total domestic deposits to total assets | 89.9136% | 1,018 |
| Equity capital to assets | 9.8479% | 4,334 |
| Core capital (leverage) ratio | 10.0031% | 3,258 |
| Tier 1 risk-based capital ratio | 11.3528% | 6,283 |
| Total risk-based capital ratio | 12.2088% | 6,534 |
| Memoranda: | ||
| Average total assets | $235,287,330 | 2,701 |
| Average earning assets | $221,565,670 | 2,633 |
| Average equity | $22,957,330 | 2,765 |
| Average total loans | $203,383,670 | 2,054 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3401% | 263 |
| Cost of funding earning assets | 0.9165% | 4,799 |
| Net interest margin | 5.4236% | 186 |
| Noninterest income to average assets | 0.1527% | 6,628 |
| Noninterest expense to average assets | 2.3860% | 5,924 |
| Loan and lease loss provision to assets | 0.2603% | 3,056 |
| Net operating income to assets | 1.3257% | 1,212 |
| Return on assets (ROA) | 1.3257% | 1,257 |
| Pretax return on assets | 2.6098% | 220 |
| Return on Equity (ROE) | 13.6547% | 1,052 |
| Retained earnings to average equity (ytd only) | 13.6547% | 505 |
| Net charge-offs to loans | -0.0100% | 6,365 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3945% | 7,227 |
| Assets per employee ($millions) | 6.1279% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,707 |
| Loan loss allowance to noncurrent loans | 157.4542% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,994 |
| Noncurrent loans to loans | 0.5690% | 5,885 |
| Net loans and leases to total assets | 85.7979% | 138 |
| Net loans and leases to deposits | 95.4581% | 727 |
| Net loans and leases to core deposits | 118.0291% | 472 |
| Total domestic deposits to total assets | 89.8802% | 1,225 |
| Equity capital to assets | 9.7754% | 4,066 |
| Core capital (leverage) ratio | 9.6959% | 3,531 |
| Tier 1 risk-based capital ratio | 11.1455% | 6,399 |
| Total risk-based capital ratio | 12.0387% | 6,624 |
| Memoranda: | ||
| Average total assets | $230,513,500 | 2,767 |
| Average earning assets | $216,905,000 | 2,702 |
| Average equity | $22,380,500 | 2,818 |
| Average total loans | $199,437,500 | 2,113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3289% | 438 |
| Cost of funding earning assets | 1.1998% | 4,565 |
| Net interest margin | 5.1291% | 334 |
| Noninterest income to average assets | 0.1492% | 6,641 |
| Noninterest expense to average assets | 2.1366% | 6,758 |
| Loan and lease loss provision to assets | 0.1049% | 6,095 |
| Net operating income to assets | 1.4724% | 814 |
| Return on assets (ROA) | 1.4851% | 854 |
| Pretax return on assets | 2.7455% | 148 |
| Return on Equity (ROE) | 15.6614% | 619 |
| Retained earnings to average equity (ytd only) | 7.6042% | 1,117 |
| Net charge-offs to loans | 0.0689% | 6,112 |
| Credit loss provision to net charge-offs | 184.1270% | 1,786 |
| Earnings coverage of net charge-offs (x) | 49.6905% | 468 |
| Efficiency ratio | 43.0145% | 7,439 |
| Assets per employee ($millions) | 5.8504% | 1,314 |
| Cash dividends to net income (ytd only)* | 51.4460% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 6,888 |
| Loan loss allowance to noncurrent loans | 143.9407% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 6,024 |
| Noncurrent loans to loans | 0.5814% | 5,890 |
| Net loans and leases to total assets | 85.7394% | 197 |
| Net loans and leases to deposits | 95.4134% | 918 |
| Net loans and leases to core deposits | 114.6503% | 691 |
| Total domestic deposits to total assets | 89.8609% | 1,182 |
| Equity capital to assets | 9.6412% | 4,220 |
| Core capital (leverage) ratio | 9.7189% | 3,414 |
| Tier 1 risk-based capital ratio | 11.0093% | 6,316 |
| Total risk-based capital ratio | 11.8442% | 6,610 |
| Memoranda: | ||
| Average total assets | $221,196,800 | 2,850 |
| Average earning assets | $207,776,000 | 2,775 |
| Average equity | $20,975,200 | 3,010 |
| Average total loans | $182,861,000 | 2,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2408% | 570 |
| Cost of funding earning assets | 1.2590% | 4,501 |
| Net interest margin | 4.9818% | 459 |
| Noninterest income to average assets | 0.1482% | 6,802 |
| Noninterest expense to average assets | 2.1908% | 6,629 |
| Loan and lease loss provision to assets | 0.1410% | 5,622 |
| Net operating income to assets | 1.3092% | 1,317 |
| Return on assets (ROA) | 1.3263% | 1,365 |
| Pretax return on assets | 2.5262% | 217 |
| Return on Equity (ROE) | 14.0476% | 1,024 |
| Retained earnings to average equity (ytd only) | 3.1725% | 4,203 |
| Net charge-offs to loans | 0.0974% | 5,553 |
| Credit loss provision to net charge-offs | 177.0992% | 2,078 |
| Earnings coverage of net charge-offs (x) | 33.1760% | 810 |
| Efficiency ratio | 45.3471% | 7,414 |
| Assets per employee ($millions) | 5.7155% | 1,450 |
| Cash dividends to net income (ytd only)* | 77.4166% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 6,767 |
| Loan loss allowance to noncurrent loans | 143.5048% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 6,138 |
| Noncurrent loans to loans | 0.6221% | 5,963 |
| Net loans and leases to total assets | 81.9774% | 497 |
| Net loans and leases to deposits | 91.0495% | 1,572 |
| Net loans and leases to core deposits | 105.8660% | 1,340 |
| Total domestic deposits to total assets | 90.0360% | 862 |
| Equity capital to assets | 9.3808% | 5,012 |
| Core capital (leverage) ratio | 9.2997% | 4,212 |
| Tier 1 risk-based capital ratio | 11.1589% | 6,233 |
| Total risk-based capital ratio | 12.0474% | 6,534 |
| Memoranda: | ||
| Average total assets | $219,454,250 | 2,926 |
| Average earning assets | $206,293,500 | 2,830 |
| Average equity | $20,719,500 | 3,083 |
| Average total loans | $179,256,250 | 2,400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 637 |
| Cost of funding earning assets | 1.3037% | 4,509 |
| Net interest margin | 4.8855% | 551 |
| Noninterest income to average assets | 0.1493% | 6,820 |
| Noninterest expense to average assets | 2.1108% | 6,870 |
| Loan and lease loss provision to assets | 0.0751% | 6,193 |
| Net operating income to assets | 1.5317% | 847 |
| Return on assets (ROA) | 1.5575% | 856 |
| Pretax return on assets | 2.5973% | 201 |
| Return on Equity (ROE) | 16.4601% | 638 |
| Retained earnings to average equity (ytd only) | 0.0968% | 5,702 |
| Net charge-offs to loans | -0.0338% | 7,376 |
| Credit loss provision to net charge-offs | -273.3333% | 6,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5045% | 7,507 |
| Assets per employee ($millions) | 5.9061% | 1,297 |
| Cash dividends to net income (ytd only)* | 99.4118% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,759 |
| Loan loss allowance to noncurrent loans | 162.6104% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 6,315 |
| Noncurrent loans to loans | 0.5530% | 6,143 |
| Net loans and leases to total assets | 81.3591% | 622 |
| Net loans and leases to deposits | 90.7715% | 1,732 |
| Net loans and leases to core deposits | 105.5957% | 1,486 |
| Total domestic deposits to total assets | 89.6307% | 1,108 |
| Equity capital to assets | 9.0834% | 5,318 |
| Core capital (leverage) ratio | 9.0119% | 4,582 |
| Tier 1 risk-based capital ratio | 10.9372% | 6,307 |
| Total risk-based capital ratio | 11.8349% | 6,620 |
| Memoranda: | ||
| Average total assets | $218,304,670 | 2,958 |
| Average earning assets | $205,260,670 | 2,875 |
| Average equity | $20,656,000 | 3,084 |
| Average total loans | $177,549,670 | 2,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1271% | 740 |
| Cost of funding earning assets | 1.3475% | 4,516 |
| Net interest margin | 4.7796% | 674 |
| Noninterest income to average assets | 0.1450% | 6,936 |
| Noninterest expense to average assets | 2.2263% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6335% | 706 |
| Return on assets (ROA) | 1.6335% | 751 |
| Pretax return on assets | 2.4140% | 285 |
| Return on Equity (ROE) | 16.9112% | 614 |
| Retained earnings to average equity (ytd only) | 16.9112% | 291 |
| Net charge-offs to loans | 0.1263% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 23.6182% | 1,048 |
| Efficiency ratio | 47.9776% | 7,441 |
| Assets per employee ($millions) | 5.7785% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 7,033 |
| Loan loss allowance to noncurrent loans | 47.3316% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 4,356 |
| Noncurrent loans to loans | 1.7690% | 4,096 |
| Net loans and leases to total assets | 80.3647% | 791 |
| Net loans and leases to deposits | 89.4202% | 1,999 |
| Net loans and leases to core deposits | 104.0225% | 1,738 |
| Total domestic deposits to total assets | 89.8731% | 1,055 |
| Equity capital to assets | 9.6701% | 4,270 |
| Core capital (leverage) ratio | 9.8702% | 3,315 |
| Tier 1 risk-based capital ratio | 11.5990% | 5,577 |
| Total risk-based capital ratio | 12.4197% | 5,952 |
| Memoranda: | ||
| Average total assets | $215,241,500 | 3,045 |
| Average earning assets | $202,443,500 | 2,959 |
| Average equity | $20,791,000 | 3,088 |
| Average total loans | $174,198,500 | 2,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4047% | 820 |
| Cost of funding earning assets | 2.0839% | 2,549 |
| Net interest margin | 4.3208% | 1,657 |
| Noninterest income to average assets | 0.1558% | 6,956 |
| Noninterest expense to average assets | 2.2379% | 6,898 |
| Loan and lease loss provision to assets | 0.2419% | 5,446 |
| Net operating income to assets | 0.8565% | 2,323 |
| Return on assets (ROA) | 0.8534% | 2,418 |
| Pretax return on assets | 1.6482% | 871 |
| Return on Equity (ROE) | 8.8594% | 2,071 |
| Retained earnings to average equity (ytd only) | 3.7668% | 2,559 |
| Net charge-offs to loans | 0.1942% | 5,431 |
| Credit loss provision to net charge-offs | 152.4390% | 3,013 |
| Earnings coverage of net charge-offs (x) | 11.9421% | 1,556 |
| Efficiency ratio | 54.1496% | 7,217 |
| Assets per employee ($millions) | 5.8583% | 1,352 |
| Cash dividends to net income (ytd only)* | 57.4830% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 6,784 |
| Loan loss allowance to noncurrent loans | 46.4662% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 4,015 |
| Noncurrent loans to loans | 1.9508% | 3,731 |
| Net loans and leases to total assets | 80.0829% | 981 |
| Net loans and leases to deposits | 89.2434% | 2,347 |
| Net loans and leases to core deposits | 136.7020% | 925 |
| Total domestic deposits to total assets | 89.7354% | 1,087 |
| Equity capital to assets | 9.6482% | 4,218 |
| Core capital (leverage) ratio | 9.8576% | 3,260 |
| Tier 1 risk-based capital ratio | 11.7251% | 5,172 |
| Total risk-based capital ratio | 12.6229% | 5,491 |
| Memoranda: | ||
| Average total assets | $206,712,400 | 3,098 |
| Average earning assets | $190,267,400 | 3,093 |
| Average equity | $19,911,000 | 3,216 |
| Average total loans | $168,917,000 | 2,632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4148% | 900 |
| Cost of funding earning assets | 2.2938% | 2,003 |
| Net interest margin | 4.1210% | 2,316 |
| Noninterest income to average assets | 0.1536% | 7,089 |
| Noninterest expense to average assets | 2.1594% | 7,080 |
| Loan and lease loss provision to assets | 0.2269% | 5,154 |
| Net operating income to assets | 0.8378% | 2,665 |
| Return on assets (ROA) | 0.8220% | 2,780 |
| Pretax return on assets | 1.5150% | 1,369 |
| Return on Equity (ROE) | 8.5377% | 2,434 |
| Retained earnings to average equity (ytd only) | 1.7103% | 4,355 |
| Net charge-offs to loans | 0.2603% | 4,419 |
| Credit loss provision to net charge-offs | 106.3830% | 4,783 |
| Earnings coverage of net charge-offs (x) | 8.2826% | 2,275 |
| Efficiency ratio | 55.0033% | 7,116 |
| Assets per employee ($millions) | 5.5048% | 1,617 |
| Cash dividends to net income (ytd only)* | 79.9689% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 7,039 |
| Loan loss allowance to noncurrent loans | 110.1976% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 5,897 |
| Noncurrent loans to loans | 0.7498% | 5,808 |
| Net loans and leases to total assets | 82.1516% | 783 |
| Net loans and leases to deposits | 92.2907% | 2,191 |
| Net loans and leases to core deposits | 140.7290% | 882 |
| Total domestic deposits to total assets | 89.0140% | 1,185 |
| Equity capital to assets | 9.7380% | 4,439 |
| Core capital (leverage) ratio | 9.5899% | 3,799 |
| Tier 1 risk-based capital ratio | 11.5944% | 5,349 |
| Total risk-based capital ratio | 12.4156% | 5,738 |
| Memoranda: | ||
| Average total assets | $205,665,750 | 3,134 |
| Average earning assets | $188,267,000 | 3,133 |
| Average equity | $19,801,750 | 3,272 |
| Average total loans | $168,536,500 | 2,672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2939% | 1,221 |
| Cost of funding earning assets | 2.4740% | 1,706 |
| Net interest margin | 3.8199% | 3,461 |
| Noninterest income to average assets | 0.1473% | 7,210 |
| Noninterest expense to average assets | 2.0734% | 7,326 |
| Loan and lease loss provision to assets | 0.2423% | 4,643 |
| Net operating income to assets | 0.5455% | 3,902 |
| Return on assets (ROA) | 0.5331% | 4,080 |
| Pretax return on assets | 1.2785% | 2,088 |
| Return on Equity (ROE) | 5.5581% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.5581% | 2,221 |
| Net charge-offs to loans | 0.1911% | 4,350 |
| Credit loss provision to net charge-offs | 155.2795% | 2,961 |
| Earnings coverage of net charge-offs (x) | 9.8696% | 2,062 |
| Efficiency ratio | 57.3766% | 6,951 |
| Assets per employee ($millions) | 5.5316% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,982 |
| Loan loss allowance to noncurrent loans | 96.7571% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,568 |
| Noncurrent loans to loans | 0.8775% | 5,458 |
| Net loans and leases to total assets | 83.4162% | 724 |
| Net loans and leases to deposits | 93.4937% | 2,170 |
| Net loans and leases to core deposits | 145.7072% | 774 |
| Total domestic deposits to total assets | 89.2212% | 1,156 |
| Equity capital to assets | 9.8231% | 4,185 |
| Core capital (leverage) ratio | 9.6071% | 3,755 |
| Tier 1 risk-based capital ratio | 11.4970% | 5,381 |
| Total risk-based capital ratio | 12.3384% | 5,708 |
| Memoranda: | ||
| Average total assets | $206,328,670 | 3,150 |
| Average earning assets | $187,229,670 | 3,181 |
| Average equity | $19,791,000 | 3,276 |
| Average total loans | $168,476,000 | 2,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1279% | 1,839 |
| Cost of funding earning assets | 2.6371% | 1,459 |
| Net interest margin | 3.4909% | 4,772 |
| Noninterest income to average assets | 0.1390% | 7,305 |
| Noninterest expense to average assets | 2.0429% | 7,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4248% | 4,764 |
| Return on assets (ROA) | 0.4248% | 4,937 |
| Pretax return on assets | 1.2145% | 2,572 |
| Return on Equity (ROE) | 4.4820% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.4820% | 3,437 |
| Net charge-offs to loans | 0.3169% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.7652% | 2,815 |
| Efficiency ratio | 62.7149% | 5,926 |
| Assets per employee ($millions) | 5.7599% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 7,359 |
| Loan loss allowance to noncurrent loans | 504.4715% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 7,243 |
| Noncurrent loans to loans | 0.1447% | 7,105 |
| Net loans and leases to total assets | 79.2072% | 1,539 |
| Net loans and leases to deposits | 88.3869% | 3,219 |
| Net loans and leases to core deposits | 141.6652% | 1,030 |
| Total domestic deposits to total assets | 89.6142% | 964 |
| Equity capital to assets | 9.2757% | 4,974 |
| Core capital (leverage) ratio | 9.4255% | 4,074 |
| Tier 1 risk-based capital ratio | 11.5874% | 5,322 |
| Total risk-based capital ratio | 12.3192% | 5,744 |
| Memoranda: | ||
| Average total assets | $207,158,000 | 3,155 |
| Average earning assets | $185,054,500 | 3,225 |
| Average equity | $19,634,000 | 3,316 |
| Average total loans | $166,619,000 | 2,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0827% | 943 |
| Cost of funding earning assets | 2.8034% | 2,693 |
| Net interest margin | 4.2793% | 2,049 |
| Noninterest income to average assets | 0.1743% | 7,183 |
| Noninterest expense to average assets | 2.8293% | 4,698 |
| Loan and lease loss provision to assets | 0.1519% | 5,422 |
| Net operating income to assets | 0.6012% | 4,295 |
| Return on assets (ROA) | 0.6104% | 4,123 |
| Pretax return on assets | 1.0812% | 3,093 |
| Return on Equity (ROE) | 5.8951% | 3,986 |
| Retained earnings to average equity (ytd only) | 0.6745% | 4,826 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8933% | 4,373 |
| Assets per employee ($millions) | 5.4378% | 1,506 |
| Cash dividends to net income (ytd only)* | 88.5590% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 6,935 |
| Loan loss allowance to noncurrent loans | 333.2524% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,751 |
| Noncurrent loans to loans | 0.2525% | 6,628 |
| Net loans and leases to total assets | 80.4278% | 1,567 |
| Net loans and leases to deposits | 89.9670% | 3,463 |
| Net loans and leases to core deposits | 146.5867% | 990 |
| Total domestic deposits to total assets | 89.3971% | 881 |
| Equity capital to assets | 9.6919% | 4,434 |
| Core capital (leverage) ratio | 9.9843% | 3,463 |
| Tier 1 risk-based capital ratio | 11.7786% | 5,000 |
| Total risk-based capital ratio | 12.6110% | 5,276 |
| Memoranda: | ||
| Average total assets | $187,572,600 | 3,303 |
| Average earning assets | $169,794,600 | 3,339 |
| Average equity | $19,423,000 | 3,317 |
| Average total loans | $149,824,200 | 2,934 |