Home > American Bank > Performance and Condition Ratios
American 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 | 4.7185% | 2,637 |
| Cost of funding earning assets | 1.4959% | 1,951 |
| Net interest margin | 3.2226% | 2,821 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.4163% | 2,540 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0157% | 2,164 |
| Return on assets (ROA) | 1.0157% | 2,149 |
| Pretax return on assets | 1.0157% | 2,634 |
| Return on Equity (ROE) | 11.8000% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.5946% | 2,378 |
| Net charge-offs to loans | -0.0062% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.0294% | 2,006 |
| Assets per employee ($millions) | 7.5940% | 1,662 |
| Cash dividends to net income (ytd only)* | 52.5999% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 2,889 |
| Loan loss allowance to noncurrent loans | 121.1141% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 819 |
| Noncurrent loans to loans | 0.9003% | 835 |
| Net loans and leases to total assets | 71.6500% | 1,624 |
| Net loans and leases to deposits | 79.2528% | 2,165 |
| Net loans and leases to core deposits | 87.3218% | 2,226 |
| Total domestic deposits to total assets | 90.4100% | 649 |
| Equity capital to assets | 8.6803% | 2,913 |
| Core capital (leverage) ratio | 8.9287% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9636% | 1,878 |
| Memoranda: | ||
| Average total assets | $621,074,600 | 1,432 |
| Average earning assets | $591,626,000 | 1,393 |
| Average equity | $53,444,200 | 1,522 |
| Average total loans | $452,269,800 | 1,339 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 2,902 |
| Cost of funding earning assets | 1.3542% | 1,993 |
| Net interest margin | 3.1506% | 3,024 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.4193% | 2,466 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0112% | 2,336 |
| Return on assets (ROA) | 1.0112% | 2,319 |
| Pretax return on assets | 1.0112% | 2,821 |
| Return on Equity (ROE) | 11.9100% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.6876% | 1,498 |
| Net charge-offs to loans | -0.0021% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8774% | 1,919 |
| Assets per employee ($millions) | 7.5887% | 1,573 |
| Cash dividends to net income (ytd only)* | 18.6647% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 2,915 |
| Loan loss allowance to noncurrent loans | 32,760.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,855 |
| Noncurrent loans to loans | 0.0033% | 3,796 |
| Net loans and leases to total assets | 70.8700% | 1,722 |
| Net loans and leases to deposits | 77.9585% | 2,246 |
| Net loans and leases to core deposits | 85.9064% | 2,191 |
| Total domestic deposits to total assets | 90.9100% | 694 |
| Equity capital to assets | 8.6415% | 2,635 |
| Core capital (leverage) ratio | 9.3392% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1912% | 1,822 |
| Memoranda: | ||
| Average total assets | $618,118,500 | 1,440 |
| Average earning assets | $589,161,500 | 1,401 |
| Average equity | $52,478,000 | 1,535 |
| Average total loans | $451,186,750 | 1,340 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 3,081 |
| Cost of funding earning assets | 1.1928% | 2,019 |
| Net interest margin | 3.1175% | 3,179 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.4165% | 2,432 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8033% | 3,069 |
| Return on assets (ROA) | 0.8033% | 3,077 |
| Pretax return on assets | 0.8033% | 3,392 |
| Return on Equity (ROE) | 9.5200% | 2,828 |
| Retained earnings to average equity (ytd only) | 7.4169% | 2,157 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.4109% | 1,309 |
| Assets per employee ($millions) | 7.0535% | 1,887 |
| Cash dividends to net income (ytd only)* | 22.0916% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,309 |
| Loan loss allowance to noncurrent loans | 232,450.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,913 |
| Noncurrent loans to loans | 0.0004% | 3,844 |
| Net loans and leases to total assets | 73.0600% | 1,402 |
| Net loans and leases to deposits | 80.3378% | 1,946 |
| Net loans and leases to core deposits | 90.0910% | 1,790 |
| Total domestic deposits to total assets | 90.9400% | 668 |
| Equity capital to assets | 8.6015% | 2,779 |
| Core capital (leverage) ratio | 9.3589% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8640% | 1,954 |
| Memoranda: | ||
| Average total assets | $614,202,667 | 1,441 |
| Average earning assets | $585,851,333 | 1,411 |
| Average equity | $51,827,333 | 1,555 |
| Average total loans | $451,144,667 | 1,318 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 3,192 |
| Cost of funding earning assets | 1.0809% | 1,805 |
| Net interest margin | 3.0475% | 3,470 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.4112% | 2,498 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.7636% | 3,313 |
| Return on assets (ROA) | 0.7636% | 3,266 |
| Pretax return on assets | 0.7636% | 3,543 |
| Return on Equity (ROE) | 9.1400% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.1374% | 1,902 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.6381% | 1,195 |
| Assets per employee ($millions) | 7.4798% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,409 |
| Loan loss allowance to noncurrent loans | 2,596.6480% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,481 |
| Noncurrent loans to loans | 0.0395% | 3,461 |
| Net loans and leases to total assets | 74.0400% | 1,200 |
| Net loans and leases to deposits | 82.9028% | 1,581 |
| Net loans and leases to core deposits | 94.0368% | 1,392 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 8.6519% | 2,781 |
| Core capital (leverage) ratio | 9.1646% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4840% | 2,183 |
| Memoranda: | ||
| Average total assets | $614,478,500 | 1,463 |
| Average earning assets | $586,184,500 | 1,428 |
| Average equity | $51,349,500 | 1,580 |
| Average total loans | $450,237,500 | 1,337 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 2,817 |
| Cost of funding earning assets | 0.3870% | 2,201 |
| Net interest margin | 3.2103% | 2,843 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.3037% | 2,717 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.9416% | 2,809 |
| Return on assets (ROA) | 0.9416% | 2,749 |
| Pretax return on assets | 0.9416% | 3,240 |
| Return on Equity (ROE) | 11.4700% | 2,314 |
| Retained earnings to average equity (ytd only) | 5.7033% | 2,747 |
| Net charge-offs to loans | 0.0002% | 2,610 |
| Credit loss provision to net charge-offs | 60,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 6,407.0000% | 22 |
| Efficiency ratio | 68.9192% | 1,845 |
| Assets per employee ($millions) | 7.6925% | 1,493 |
| Cash dividends to net income (ytd only)* | 50.2841% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 2,966 |
| Loan loss allowance to noncurrent loans | 121,275.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,961 |
| Noncurrent loans to loans | 0.0009% | 3,899 |
| Net loans and leases to total assets | 71.0000% | 1,527 |
| Net loans and leases to deposits | 78.8353% | 1,864 |
| Net loans and leases to core deposits | 86.4984% | 1,712 |
| Total domestic deposits to total assets | 90.0700% | 1,333 |
| Equity capital to assets | 8.0695% | 3,020 |
| Core capital (leverage) ratio | 8.7399% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4007% | 2,199 |
| Memoranda: | ||
| Average total assets | $616,699,400 | 1,443 |
| Average earning assets | $589,112,000 | 1,410 |
| Average equity | $50,619,400 | 1,604 |
| Average total loans | $410,955,800 | 1,362 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 2,692 |
| Cost of funding earning assets | 0.2957% | 2,219 |
| Net interest margin | 3.1808% | 2,680 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.3428% | 2,503 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9208% | 2,788 |
| Return on assets (ROA) | 0.9208% | 2,758 |
| Pretax return on assets | 0.9208% | 3,255 |
| Return on Equity (ROE) | 11.1700% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.4435% | 1,837 |
| Net charge-offs to loans | 0.0007% | 2,312 |
| Credit loss provision to net charge-offs | 12,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 2,244.0000% | 52 |
| Efficiency ratio | 70.6590% | 1,688 |
| Assets per employee ($millions) | 7.4035% | 1,675 |
| Cash dividends to net income (ytd only)* | 24.4115% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,159 |
| Loan loss allowance to noncurrent loans | 74,850.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,032 |
| Noncurrent loans to loans | 0.0014% | 3,970 |
| Net loans and leases to total assets | 66.9200% | 1,796 |
| Net loans and leases to deposits | 73.1364% | 2,117 |
| Net loans and leases to core deposits | 77.9718% | 2,042 |
| Total domestic deposits to total assets | 91.5000% | 1,049 |
| Equity capital to assets | 8.0833% | 2,852 |
| Core capital (leverage) ratio | 8.8997% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1059% | 2,017 |
| Memoranda: | ||
| Average total assets | $615,101,750 | 1,453 |
| Average earning assets | $587,545,250 | 1,419 |
| Average equity | $50,704,250 | 1,633 |
| Average total loans | $401,878,500 | 1,379 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 2,416 |
| Cost of funding earning assets | 0.2410% | 2,385 |
| Net interest margin | 3.1642% | 2,312 |
| Noninterest income to average assets | 0.2807% | 3,484 |
| Noninterest expense to average assets | 2.3510% | 2,395 |
| Loan and lease loss provision to assets | 0.0457% | 1,754 |
| Net operating income to assets | 0.9095% | 2,541 |
| Return on assets (ROA) | 0.9095% | 2,510 |
| Pretax return on assets | 0.9095% | 3,032 |
| Return on Equity (ROE) | 10.9619% | 1,994 |
| Retained earnings to average equity (ytd only) | 8.4446% | 1,459 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1085% | 1,816 |
| Assets per employee ($millions) | 7.2387% | 1,779 |
| Cash dividends to net income (ytd only)* | 22.9638% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,178 |
| Loan loss allowance to noncurrent loans | 43,930.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,064 |
| Noncurrent loans to loans | 0.0025% | 3,996 |
| Net loans and leases to total assets | 63.6380% | 1,947 |
| Net loans and leases to deposits | 71.3335% | 2,079 |
| Net loans and leases to core deposits | 76.0308% | 2,012 |
| Total domestic deposits to total assets | 89.2120% | 2,082 |
| Equity capital to assets | 8.0295% | 3,101 |
| Core capital (leverage) ratio | 8.7862% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9272% | 2,090 |
| Memoranda: | ||
| Average total assets | $612,836,333 | 1,466 |
| Average earning assets | $585,987,333 | 1,438 |
| Average equity | $50,849,000 | 1,657 |
| Average total loans | $395,618,000 | 1,395 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 1,946 |
| Cost of funding earning assets | 0.2251% | 2,462 |
| Net interest margin | 3.2263% | 1,800 |
| Noninterest income to average assets | 0.2796% | 3,462 |
| Noninterest expense to average assets | 2.3718% | 2,264 |
| Loan and lease loss provision to assets | 0.0658% | 1,242 |
| Net operating income to assets | 0.9349% | 2,133 |
| Return on assets (ROA) | 0.9349% | 2,124 |
| Pretax return on assets | 0.9349% | 2,652 |
| Return on Equity (ROE) | 11.0841% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.0841% | 771 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3277% | 2,182 |
| Assets per employee ($millions) | 7.0190% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,273 |
| Loan loss allowance to noncurrent loans | 43,530.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,107 |
| Noncurrent loans to loans | 0.0026% | 4,033 |
| Net loans and leases to total assets | 63.3610% | 1,700 |
| Net loans and leases to deposits | 70.6974% | 1,891 |
| Net loans and leases to core deposits | 75.6411% | 1,802 |
| Total domestic deposits to total assets | 89.6228% | 1,760 |
| Equity capital to assets | 8.3166% | 3,312 |
| Core capital (leverage) ratio | 8.7868% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9409% | 1,823 |
| Memoranda: | ||
| Average total assets | $607,988,500 | 1,484 |
| Average earning assets | $582,832,000 | 1,444 |
| Average equity | $51,280,500 | 1,704 |
| Average total loans | $393,147,000 | 1,387 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 2,310 |
| Cost of funding earning assets | 0.2859% | 2,544 |
| Net interest margin | 3.3431% | 2,196 |
| Noninterest income to average assets | 0.2924% | 3,650 |
| Noninterest expense to average assets | 2.4470% | 2,343 |
| Loan and lease loss provision to assets | 0.0035% | 3,012 |
| Net operating income to assets | 1.0411% | 2,517 |
| Return on assets (ROA) | 1.0413% | 2,587 |
| Pretax return on assets | 1.0413% | 3,150 |
| Return on Equity (ROE) | 11.6253% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.3954% | 2,178 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0817% | 1,722 |
| Assets per employee ($millions) | 7.0386% | 1,902 |
| Cash dividends to net income (ytd only)* | 44.9873% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,452 |
| Loan loss allowance to noncurrent loans | 38,663.6364% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,181 |
| Noncurrent loans to loans | 0.0028% | 4,106 |
| Net loans and leases to total assets | 64.5559% | 1,644 |
| Net loans and leases to deposits | 72.8474% | 1,827 |
| Net loans and leases to core deposits | 77.9304% | 1,766 |
| Total domestic deposits to total assets | 88.6180% | 1,727 |
| Equity capital to assets | 8.5533% | 4,017 |
| Core capital (leverage) ratio | 8.6210% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3175% | 2,119 |
| Memoranda: | ||
| Average total assets | $568,050,600 | 1,519 |
| Average earning assets | $543,603,800 | 1,483 |
| Average equity | $50,880,200 | 1,739 |
| Average total loans | $384,341,200 | 1,415 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 2,262 |
| Cost of funding earning assets | 0.3023% | 2,570 |
| Net interest margin | 3.4029% | 2,143 |
| Noninterest income to average assets | 0.2794% | 3,759 |
| Noninterest expense to average assets | 2.4627% | 2,230 |
| Loan and lease loss provision to assets | 0.0048% | 2,882 |
| Net operating income to assets | 1.0645% | 2,671 |
| Return on assets (ROA) | 1.0648% | 2,737 |
| Pretax return on assets | 1.0648% | 3,286 |
| Return on Equity (ROE) | 11.7442% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.6094% | 1,833 |
| Net charge-offs to loans | -0.0007% | 3,101 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7250% | 1,629 |
| Assets per employee ($millions) | 6.7156% | 2,083 |
| Cash dividends to net income (ytd only)* | 26.6921% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,294 |
| Loan loss allowance to noncurrent loans | 30,385.7143% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,263 |
| Noncurrent loans to loans | 0.0037% | 4,190 |
| Net loans and leases to total assets | 63.7437% | 1,802 |
| Net loans and leases to deposits | 72.3573% | 2,018 |
| Net loans and leases to core deposits | 77.9316% | 1,896 |
| Total domestic deposits to total assets | 88.0957% | 1,783 |
| Equity capital to assets | 8.9462% | 3,876 |
| Core capital (leverage) ratio | 8.9439% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6314% | 2,115 |
| Memoranda: | ||
| Average total assets | $558,732,750 | 1,558 |
| Average earning assets | $534,040,750 | 1,522 |
| Average equity | $50,656,500 | 1,761 |
| Average total loans | $381,670,500 | 1,457 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 2,338 |
| Cost of funding earning assets | 0.3225% | 2,562 |
| Net interest margin | 3.3753% | 2,215 |
| Noninterest income to average assets | 0.2813% | 3,736 |
| Noninterest expense to average assets | 2.4815% | 2,206 |
| Loan and lease loss provision to assets | 0.0073% | 2,765 |
| Net operating income to assets | 1.0181% | 2,832 |
| Return on assets (ROA) | 1.0185% | 2,907 |
| Pretax return on assets | 1.0185% | 3,400 |
| Return on Equity (ROE) | 11.1814% | 2,356 |
| Retained earnings to average equity (ytd only) | 8.3801% | 1,948 |
| Net charge-offs to loans | -0.0005% | 3,046 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7608% | 1,548 |
| Assets per employee ($millions) | 6.2739% | 2,367 |
| Cash dividends to net income (ytd only)* | 25.0535% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,374 |
| Loan loss allowance to noncurrent loans | 28,360.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,312 |
| Noncurrent loans to loans | 0.0039% | 4,242 |
| Net loans and leases to total assets | 66.4498% | 1,639 |
| Net loans and leases to deposits | 75.5283% | 1,868 |
| Net loans and leases to core deposits | 82.0304% | 1,723 |
| Total domestic deposits to total assets | 87.9801% | 1,836 |
| Equity capital to assets | 8.9412% | 3,842 |
| Core capital (leverage) ratio | 9.0478% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5529% | 2,142 |
| Memoranda: | ||
| Average total assets | $550,223,667 | 1,573 |
| Average earning assets | $525,815,667 | 1,535 |
| Average equity | $50,119,000 | 1,770 |
| Average total loans | $383,333,000 | 1,457 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 1,971 |
| Cost of funding earning assets | 0.3400% | 2,619 |
| Net interest margin | 3.5024% | 1,817 |
| Noninterest income to average assets | 0.2912% | 3,668 |
| Noninterest expense to average assets | 2.5539% | 2,009 |
| Loan and lease loss provision to assets | 0.0148% | 2,590 |
| Net operating income to assets | 1.0728% | 2,560 |
| Return on assets (ROA) | 1.0728% | 2,644 |
| Pretax return on assets | 1.0728% | 3,183 |
| Return on Equity (ROE) | 11.6646% | 2,141 |
| Retained earnings to average equity (ytd only) | 11.6646% | 1,236 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1322% | 1,679 |
| Assets per employee ($millions) | 5.7262% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.4084% | 1,235 |
| Net loans and leases to deposits | 80.3898% | 1,488 |
| Net loans and leases to core deposits | 87.7985% | 1,385 |
| Total domestic deposits to total assets | 87.5838% | 2,052 |
| Equity capital to assets | 9.2467% | 3,446 |
| Core capital (leverage) ratio | 9.3498% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7022% | 2,004 |
| Memoranda: | ||
| Average total assets | $539,872,000 | 1,585 |
| Average earning assets | $516,441,500 | 1,546 |
| Average equity | $49,654,500 | 1,776 |
| Average total loans | $383,182,500 | 1,457 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,135 |
| Cost of funding earning assets | 0.5273% | 2,768 |
| Net interest margin | 3.6729% | 1,901 |
| Noninterest income to average assets | 0.2698% | 3,862 |
| Noninterest expense to average assets | 2.7259% | 2,152 |
| Loan and lease loss provision to assets | 0.1327% | 2,702 |
| Net operating income to assets | 0.9221% | 2,600 |
| Return on assets (ROA) | 0.9273% | 2,724 |
| Pretax return on assets | 0.9273% | 3,292 |
| Return on Equity (ROE) | 9.4631% | 2,216 |
| Retained earnings to average equity (ytd only) | 3.8047% | 2,913 |
| Net charge-offs to loans | 0.1303% | 1,214 |
| Credit loss provision to net charge-offs | 137.3166% | 2,506 |
| Earnings coverage of net charge-offs (x) | 10.9182% | 2,431 |
| Efficiency ratio | 72.1020% | 1,668 |
| Assets per employee ($millions) | 5.5808% | 2,762 |
| Cash dividends to net income (ytd only)* | 59.7947% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.9697% | 1,565 |
| Net loans and leases to deposits | 79.6672% | 1,905 |
| Net loans and leases to core deposits | 86.9257% | 1,799 |
| Total domestic deposits to total assets | 87.8275% | 1,563 |
| Equity capital to assets | 9.1475% | 3,936 |
| Core capital (leverage) ratio | 9.1171% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8698% | 1,899 |
| Memoranda: | ||
| Average total assets | $493,779,800 | 1,567 |
| Average earning assets | $471,994,400 | 1,530 |
| Average equity | $48,388,000 | 1,744 |
| Average total loans | $365,951,200 | 1,463 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,246 |
| Cost of funding earning assets | 0.5727% | 2,785 |
| Net interest margin | 3.6786% | 2,015 |
| Noninterest income to average assets | 0.2701% | 3,849 |
| Noninterest expense to average assets | 2.7643% | 2,076 |
| Loan and lease loss provision to assets | 0.1614% | 2,385 |
| Net operating income to assets | 0.8566% | 2,875 |
| Return on assets (ROA) | 0.8638% | 2,984 |
| Pretax return on assets | 0.8638% | 3,480 |
| Return on Equity (ROE) | 8.6550% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.2777% | 1,986 |
| Net charge-offs to loans | 0.1746% | 848 |
| Credit loss provision to net charge-offs | 123.1579% | 2,483 |
| Earnings coverage of net charge-offs (x) | 7.7684% | 2,549 |
| Efficiency ratio | 73.0853% | 1,516 |
| Assets per employee ($millions) | 5.4770% | 2,732 |
| Cash dividends to net income (ytd only)* | 27.4673% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,365 |
| 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 | 73.2990% | 1,458 |
| Net loans and leases to deposits | 85.2794% | 1,781 |
| Net loans and leases to core deposits | 93.7973% | 1,661 |
| Total domestic deposits to total assets | 85.9516% | 2,095 |
| Equity capital to assets | 9.4228% | 3,748 |
| Core capital (leverage) ratio | 9.6810% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0953% | 1,799 |
| Memoranda: | ||
| Average total assets | $483,286,000 | 1,574 |
| Average earning assets | $461,433,750 | 1,538 |
| Average equity | $48,233,000 | 1,744 |
| Average total loans | $362,664,500 | 1,462 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,389 |
| Cost of funding earning assets | 0.6311% | 2,805 |
| Net interest margin | 3.7018% | 2,154 |
| Noninterest income to average assets | 0.2720% | 3,849 |
| Noninterest expense to average assets | 2.8479% | 1,982 |
| Loan and lease loss provision to assets | 0.1940% | 2,097 |
| Net operating income to assets | 0.7712% | 3,154 |
| Return on assets (ROA) | 0.7823% | 3,218 |
| Pretax return on assets | 0.7823% | 3,639 |
| Return on Equity (ROE) | 7.6785% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.9838% | 2,090 |
| Net charge-offs to loans | 0.1137% | 1,165 |
| Credit loss provision to net charge-offs | 226.3682% | 1,816 |
| Earnings coverage of net charge-offs (x) | 11.2637% | 2,102 |
| Efficiency ratio | 74.6869% | 1,401 |
| Assets per employee ($millions) | 5.1704% | 2,976 |
| Cash dividends to net income (ytd only)* | 22.0708% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 2,955 |
| Loan loss allowance to noncurrent loans | 47,877.7778% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,589 |
| Noncurrent loans to loans | 0.0023% | 4,519 |
| Net loans and leases to total assets | 75.3203% | 1,226 |
| Net loans and leases to deposits | 87.9817% | 1,562 |
| Net loans and leases to core deposits | 97.0179% | 1,494 |
| Total domestic deposits to total assets | 85.6090% | 2,158 |
| Equity capital to assets | 9.6235% | 3,548 |
| Core capital (leverage) ratio | 9.9243% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3151% | 1,692 |
| Memoranda: | ||
| Average total assets | $469,118,000 | 1,587 |
| Average earning assets | $448,752,667 | 1,546 |
| Average equity | $47,796,000 | 1,745 |
| Average total loans | $353,698,000 | 1,480 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,599 |
| Cost of funding earning assets | 0.7369% | 2,746 |
| Net interest margin | 3.6698% | 2,433 |
| Noninterest income to average assets | 0.2940% | 3,766 |
| Noninterest expense to average assets | 3.0511% | 1,763 |
| Loan and lease loss provision to assets | 0.3313% | 929 |
| Net operating income to assets | 0.4237% | 4,081 |
| Return on assets (ROA) | 0.4237% | 4,121 |
| Pretax return on assets | 0.4237% | 4,253 |
| Return on Equity (ROE) | 4.0327% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.7791% | 2,773 |
| Net charge-offs to loans | 0.2358% | 605 |
| Credit loss provision to net charge-offs | 187.4372% | 1,456 |
| Earnings coverage of net charge-offs (x) | 4.2714% | 2,148 |
| Efficiency ratio | 80.1634% | 1,125 |
| Assets per employee ($millions) | 4.5512% | 3,194 |
| Cash dividends to net income (ytd only)* | 6.2893% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,574 |
| Loan loss allowance to noncurrent loans | 549.8049% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 3,817 |
| Noncurrent loans to loans | 0.2214% | 3,690 |
| Net loans and leases to total assets | 75.3730% | 1,408 |
| Net loans and leases to deposits | 87.2489% | 1,834 |
| Net loans and leases to core deposits | 98.4889% | 1,588 |
| Total domestic deposits to total assets | 86.3885% | 1,832 |
| Equity capital to assets | 10.5125% | 3,307 |
| Core capital (leverage) ratio | 10.4544% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8165% | 1,968 |
| Memoranda: | ||
| Average total assets | $450,327,500 | 1,610 |
| Average earning assets | $430,974,000 | 1,549 |
| Average equity | $47,313,000 | 1,750 |
| Average total loans | $337,569,000 | 1,493 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 2,647 |
| Cost of funding earning assets | 0.7964% | 2,705 |
| Net interest margin | 3.7954% | 2,509 |
| Noninterest income to average assets | 0.3112% | 3,833 |
| Noninterest expense to average assets | 2.9436% | 2,161 |
| Loan and lease loss provision to assets | 0.0321% | 3,372 |
| Net operating income to assets | 0.9815% | 2,910 |
| Return on assets (ROA) | 0.9815% | 2,989 |
| Pretax return on assets | 0.9815% | 3,509 |
| Return on Equity (ROE) | 9.2771% | 2,620 |
| Retained earnings to average equity (ytd only) | 3.8544% | 3,042 |
| Net charge-offs to loans | 0.0158% | 3,155 |
| Credit loss provision to net charge-offs | 274.5098% | 1,023 |
| Earnings coverage of net charge-offs (x) | 86.6078% | 752 |
| Efficiency ratio | 74.3853% | 1,560 |
| Assets per employee ($millions) | 4.5004% | 3,218 |
| Cash dividends to net income (ytd only)* | 58.4522% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,250 |
| Loan loss allowance to noncurrent loans | 324.0608% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 3,300 |
| Noncurrent loans to loans | 0.3815% | 3,070 |
| Net loans and leases to total assets | 72.6808% | 1,975 |
| Net loans and leases to deposits | 84.4890% | 2,282 |
| Net loans and leases to core deposits | 96.5592% | 1,854 |
| Total domestic deposits to total assets | 86.0239% | 2,057 |
| Equity capital to assets | 10.5001% | 3,443 |
| Core capital (leverage) ratio | 10.3323% | 3,155 |
| Tier 1 risk-based capital ratio | 14.3087% | 3,116 |
| Total risk-based capital ratio | 15.5552% | 3,034 |
| Memoranda: | ||
| Average total assets | $435,760,800 | 1,606 |
| Average earning assets | $418,611,600 | 1,550 |
| Average equity | $46,103,000 | 1,718 |
| Average total loans | $323,579,200 | 1,517 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 2,738 |
| Cost of funding earning assets | 0.7911% | 2,759 |
| Net interest margin | 3.8049% | 2,580 |
| Noninterest income to average assets | 0.3172% | 3,854 |
| Noninterest expense to average assets | 2.8948% | 2,277 |
| Loan and lease loss provision to assets | 0.0231% | 3,440 |
| Net operating income to assets | 1.0594% | 2,741 |
| Return on assets (ROA) | 1.0594% | 2,817 |
| Pretax return on assets | 1.0594% | 3,414 |
| Return on Equity (ROE) | 9.9940% | 2,433 |
| Retained earnings to average equity (ytd only) | 7.3119% | 1,707 |
| Net charge-offs to loans | 0.0194% | 2,726 |
| Credit loss provision to net charge-offs | 159.5745% | 1,558 |
| Earnings coverage of net charge-offs (x) | 74.8452% | 900 |
| Efficiency ratio | 72.7835% | 1,731 |
| Assets per employee ($millions) | 4.6074% | 3,043 |
| Cash dividends to net income (ytd only)* | 26.8371% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,110 |
| Loan loss allowance to noncurrent loans | 304.4207% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,375 |
| Noncurrent loans to loans | 0.4176% | 3,047 |
| Net loans and leases to total assets | 69.3981% | 2,568 |
| Net loans and leases to deposits | 80.5565% | 2,842 |
| Net loans and leases to core deposits | 92.2667% | 2,339 |
| Total domestic deposits to total assets | 86.1483% | 1,925 |
| Equity capital to assets | 10.6493% | 3,420 |
| Core capital (leverage) ratio | 10.6787% | 2,948 |
| Tier 1 risk-based capital ratio | 15.2753% | 2,726 |
| Total risk-based capital ratio | 16.5256% | 2,656 |
| Memoranda: | ||
| Average total assets | $433,316,000 | 1,623 |
| Average earning assets | $416,819,000 | 1,564 |
| Average equity | $45,933,250 | 1,723 |
| Average total loans | $322,505,000 | 1,529 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 2,740 |
| Cost of funding earning assets | 0.7871% | 2,705 |
| Net interest margin | 3.7912% | 2,606 |
| Noninterest income to average assets | 0.3172% | 3,807 |
| Noninterest expense to average assets | 2.8872% | 2,316 |
| Loan and lease loss provision to assets | 0.0187% | 3,413 |
| Net operating income to assets | 1.0597% | 2,683 |
| Return on assets (ROA) | 1.0597% | 2,747 |
| Pretax return on assets | 1.0597% | 3,352 |
| Return on Equity (ROE) | 10.0132% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.4570% | 1,625 |
| Net charge-offs to loans | 0.0295% | 2,267 |
| Credit loss provision to net charge-offs | 83.3333% | 2,192 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 1,120 |
| Efficiency ratio | 72.8064% | 1,804 |
| Assets per employee ($millions) | 4.6178% | 2,983 |
| Cash dividends to net income (ytd only)* | 25.5282% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,386 |
| Loan loss allowance to noncurrent loans | 657.3090% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,065 |
| Noncurrent loans to loans | 0.1864% | 3,886 |
| Net loans and leases to total assets | 74.2902% | 1,839 |
| Net loans and leases to deposits | 86.5831% | 2,190 |
| Net loans and leases to core deposits | 99.8145% | 1,740 |
| Total domestic deposits to total assets | 85.8021% | 2,135 |
| Equity capital to assets | 10.8795% | 3,196 |
| Core capital (leverage) ratio | 10.7622% | 2,825 |
| Tier 1 risk-based capital ratio | 15.2023% | 2,752 |
| Total risk-based capital ratio | 16.4527% | 2,682 |
| Memoranda: | ||
| Average total assets | $428,783,670 | 1,642 |
| Average earning assets | $412,643,330 | 1,584 |
| Average equity | $45,380,000 | 1,735 |
| Average total loans | $325,292,330 | 1,537 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,865 |
| Cost of funding earning assets | 0.7657% | 2,706 |
| Net interest margin | 3.7342% | 2,768 |
| Noninterest income to average assets | 0.3109% | 3,790 |
| Noninterest expense to average assets | 2.8270% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0764% | 2,560 |
| Return on assets (ROA) | 1.0764% | 2,606 |
| Pretax return on assets | 1.0764% | 3,216 |
| Return on Equity (ROE) | 10.3157% | 2,234 |
| Retained earnings to average equity (ytd only) | 10.3157% | 962 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4229% | 1,972 |
| Assets per employee ($millions) | 4.7199% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,535 |
| Loan loss allowance to noncurrent loans | 873.7885% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 4,273 |
| Noncurrent loans to loans | 0.1382% | 4,117 |
| Net loans and leases to total assets | 76.4095% | 1,412 |
| Net loans and leases to deposits | 89.2132% | 1,729 |
| Net loans and leases to core deposits | 102.1646% | 1,455 |
| Total domestic deposits to total assets | 85.6482% | 2,423 |
| Equity capital to assets | 10.6975% | 3,164 |
| Core capital (leverage) ratio | 10.7358% | 2,817 |
| Tier 1 risk-based capital ratio | 14.6936% | 3,008 |
| Total risk-based capital ratio | 15.9436% | 2,936 |
| Memoranda: | ||
| Average total assets | $428,446,500 | 1,644 |
| Average earning assets | $412,190,500 | 1,587 |
| Average equity | $44,708,500 | 1,745 |
| Average total loans | $326,437,500 | 1,534 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 3,029 |
| Cost of funding earning assets | 0.6381% | 2,479 |
| Net interest margin | 3.6865% | 3,089 |
| Noninterest income to average assets | 0.2601% | 4,374 |
| Noninterest expense to average assets | 2.7541% | 2,842 |
| Loan and lease loss provision to assets | 0.0354% | 3,490 |
| Net operating income to assets | 1.0349% | 2,863 |
| Return on assets (ROA) | 1.0347% | 2,851 |
| Pretax return on assets | 1.0347% | 3,495 |
| Return on Equity (ROE) | 10.4465% | 2,322 |
| Retained earnings to average equity (ytd only) | 4.4807% | 3,063 |
| Net charge-offs to loans | 0.0055% | 3,511 |
| Credit loss provision to net charge-offs | 861.1111% | 414 |
| Earnings coverage of net charge-offs (x) | 260.3333% | 367 |
| Efficiency ratio | 72.0139% | 1,894 |
| Assets per employee ($millions) | 5.0243% | 2,469 |
| Cash dividends to net income (ytd only)* | 57.1082% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,447 |
| Loan loss allowance to noncurrent loans | 540.3270% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 3,967 |
| Noncurrent loans to loans | 0.2263% | 3,769 |
| Net loans and leases to total assets | 74.1427% | 1,917 |
| Net loans and leases to deposits | 86.4458% | 2,225 |
| Net loans and leases to core deposits | 99.8037% | 1,729 |
| Total domestic deposits to total assets | 85.7678% | 2,340 |
| Equity capital to assets | 10.1743% | 3,500 |
| Core capital (leverage) ratio | 10.0514% | 3,522 |
| Tier 1 risk-based capital ratio | 14.5031% | 3,058 |
| Total risk-based capital ratio | 15.7535% | 2,976 |
| Memoranda: | ||
| Average total assets | $437,825,000 | 1,570 |
| Average earning assets | $423,302,800 | 1,516 |
| Average equity | $43,363,600 | 1,725 |
| Average total loans | $326,041,600 | 1,495 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2415% | 3,172 |
| Cost of funding earning assets | 0.5914% | 2,534 |
| Net interest margin | 3.6502% | 3,200 |
| Noninterest income to average assets | 0.2392% | 4,539 |
| Noninterest expense to average assets | 2.7358% | 2,859 |
| Loan and lease loss provision to assets | 0.0470% | 3,045 |
| Net operating income to assets | 0.9898% | 3,129 |
| Return on assets (ROA) | 0.9895% | 3,138 |
| Pretax return on assets | 0.9895% | 3,746 |
| Return on Equity (ROE) | 10.0582% | 2,594 |
| Retained earnings to average equity (ytd only) | 7.3801% | 1,939 |
| Net charge-offs to loans | -0.0237% | 4,681 |
| Credit loss provision to net charge-offs | -267.2414% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5159% | 1,806 |
| Assets per employee ($millions) | 5.2903% | 2,132 |
| Cash dividends to net income (ytd only)* | 26.6257% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,415 |
| Loan loss allowance to noncurrent loans | 730.9222% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 4,341 |
| Noncurrent loans to loans | 0.1695% | 4,128 |
| Net loans and leases to total assets | 72.5096% | 2,249 |
| Net loans and leases to deposits | 83.8437% | 2,617 |
| Net loans and leases to core deposits | 98.0006% | 1,932 |
| Total domestic deposits to total assets | 86.4819% | 1,976 |
| Equity capital to assets | 9.8898% | 3,748 |
| Core capital (leverage) ratio | 10.0635% | 3,570 |
| Tier 1 risk-based capital ratio | 14.3622% | 3,188 |
| Total risk-based capital ratio | 15.6125% | 3,099 |
| Memoranda: | ||
| Average total assets | $439,258,750 | 1,575 |
| Average earning assets | $425,213,500 | 1,522 |
| Average equity | $43,214,000 | 1,730 |
| Average total loans | $326,469,750 | 1,495 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,261 |
| Cost of funding earning assets | 0.5084% | 2,951 |
| Net interest margin | 3.6470% | 3,127 |
| Noninterest income to average assets | 0.2304% | 4,639 |
| Noninterest expense to average assets | 2.6630% | 3,127 |
| Loan and lease loss provision to assets | 0.0640% | 2,622 |
| Net operating income to assets | 1.0413% | 2,843 |
| Return on assets (ROA) | 1.0417% | 2,844 |
| Pretax return on assets | 1.0417% | 3,538 |
| Return on Equity (ROE) | 10.6076% | 2,276 |
| Retained earnings to average equity (ytd only) | 8.0570% | 1,605 |
| Net charge-offs to loans | 0.0024% | 3,111 |
| Credit loss provision to net charge-offs | 3,500.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 604.5000% | 138 |
| Efficiency ratio | 70.6696% | 2,219 |
| Assets per employee ($millions) | 4.8885% | 2,575 |
| Cash dividends to net income (ytd only)* | 24.0456% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,730 |
| Loan loss allowance to noncurrent loans | 672.0339% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 4,329 |
| Noncurrent loans to loans | 0.1784% | 4,106 |
| Net loans and leases to total assets | 74.2844% | 1,902 |
| Net loans and leases to deposits | 85.5261% | 2,374 |
| Net loans and leases to core deposits | 101.5492% | 1,599 |
| Total domestic deposits to total assets | 86.8558% | 1,899 |
| Equity capital to assets | 9.8832% | 3,736 |
| Core capital (leverage) ratio | 10.2491% | 3,291 |
| Tier 1 risk-based capital ratio | 14.4742% | 3,130 |
| Total risk-based capital ratio | 15.7245% | 3,041 |
| Memoranda: | ||
| Average total assets | $437,549,000 | 1,590 |
| Average earning assets | $424,455,000 | 1,531 |
| Average equity | $42,969,000 | 1,744 |
| Average total loans | $326,537,670 | 1,495 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 3,228 |
| Cost of funding earning assets | 0.4336% | 3,341 |
| Net interest margin | 3.6687% | 2,924 |
| Noninterest income to average assets | 0.2264% | 4,662 |
| Noninterest expense to average assets | 2.6374% | 3,226 |
| Loan and lease loss provision to assets | 0.0596% | 2,577 |
| Net operating income to assets | 1.0900% | 2,472 |
| Return on assets (ROA) | 1.0900% | 2,487 |
| Pretax return on assets | 1.0900% | 3,208 |
| Return on Equity (ROE) | 11.1350% | 1,910 |
| Retained earnings to average equity (ytd only) | 11.1350% | 863 |
| Net charge-offs to loans | -0.0012% | 3,770 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6442% | 2,541 |
| Assets per employee ($millions) | 5.1032% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,837 |
| Loan loss allowance to noncurrent loans | 526.3514% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,246 |
| Noncurrent loans to loans | 0.2268% | 3,960 |
| Net loans and leases to total assets | 73.4422% | 1,960 |
| Net loans and leases to deposits | 83.3949% | 2,464 |
| Net loans and leases to core deposits | 101.5015% | 1,571 |
| Total domestic deposits to total assets | 88.0656% | 1,583 |
| Equity capital to assets | 9.8222% | 3,770 |
| Core capital (leverage) ratio | 10.2297% | 3,264 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,218 |
| Total risk-based capital ratio | 15.5680% | 3,132 |
| Memoranda: | ||
| Average total assets | $436,340,000 | 1,602 |
| Average earning assets | $423,471,500 | 1,542 |
| Average equity | $42,712,000 | 1,764 |
| Average total loans | $324,410,500 | 1,505 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,281 |
| Cost of funding earning assets | 0.4031% | 3,223 |
| Net interest margin | 3.6355% | 3,040 |
| Noninterest income to average assets | 0.2578% | 4,592 |
| Noninterest expense to average assets | 2.5270% | 3,687 |
| Loan and lease loss provision to assets | 0.0545% | 3,137 |
| Net operating income to assets | 1.2031% | 1,512 |
| Return on assets (ROA) | 1.2031% | 1,541 |
| Pretax return on assets | 1.2031% | 2,760 |
| Return on Equity (ROE) | 12.6202% | 1,052 |
| Retained earnings to average equity (ytd only) | 5.2923% | 1,941 |
| Net charge-offs to loans | 0.0682% | 2,478 |
| Credit loss provision to net charge-offs | 110.5991% | 2,352 |
| Earnings coverage of net charge-offs (x) | 25.5346% | 1,709 |
| Efficiency ratio | 66.7706% | 3,119 |
| Assets per employee ($millions) | 5.1036% | 2,358 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,852 |
| Loan loss allowance to noncurrent loans | 525.2401% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 4,297 |
| Noncurrent loans to loans | 0.2260% | 4,002 |
| Net loans and leases to total assets | 73.4841% | 2,005 |
| Net loans and leases to deposits | 83.8581% | 2,507 |
| Net loans and leases to core deposits | 101.6353% | 1,576 |
| Total domestic deposits to total assets | 87.6291% | 1,684 |
| Equity capital to assets | 9.7548% | 3,962 |
| Core capital (leverage) ratio | 9.7412% | 3,755 |
| Tier 1 risk-based capital ratio | 13.9003% | 3,418 |
| Total risk-based capital ratio | 15.1438% | 3,329 |
| Memoranda: | ||
| Average total assets | $440,599,000 | 1,576 |
| Average earning assets | $427,423,600 | 1,511 |
| Average equity | $42,004,200 | 1,774 |
| Average total loans | $318,021,200 | 1,490 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 3,373 |
| Cost of funding earning assets | 0.3966% | 3,234 |
| Net interest margin | 3.5998% | 3,153 |
| Noninterest income to average assets | 0.2598% | 4,647 |
| Noninterest expense to average assets | 2.4921% | 3,766 |
| Loan and lease loss provision to assets | 0.0543% | 3,008 |
| Net operating income to assets | 1.2073% | 1,661 |
| Return on assets (ROA) | 1.2073% | 1,695 |
| Pretax return on assets | 1.2073% | 2,875 |
| Return on Equity (ROE) | 12.7364% | 1,116 |
| Retained earnings to average equity (ytd only) | 8.7994% | 914 |
| Net charge-offs to loans | 0.0080% | 3,439 |
| Credit loss provision to net charge-offs | 947.3684% | 370 |
| Earnings coverage of net charge-offs (x) | 220.2866% | 394 |
| Efficiency ratio | 66.3909% | 3,148 |
| Assets per employee ($millions) | 4.9884% | 2,462 |
| Cash dividends to net income (ytd only)* | 30.9114% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,721 |
| Loan loss allowance to noncurrent loans | 177.2565% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 3,031 |
| Noncurrent loans to loans | 0.6970% | 2,615 |
| Net loans and leases to total assets | 72.2459% | 2,223 |
| Net loans and leases to deposits | 82.8748% | 2,675 |
| Net loans and leases to core deposits | 100.3236% | 1,677 |
| Total domestic deposits to total assets | 87.1747% | 1,784 |
| Equity capital to assets | 9.9235% | 4,007 |
| Core capital (leverage) ratio | 9.7683% | 3,859 |
| Tier 1 risk-based capital ratio | 14.1510% | 3,377 |
| Total risk-based capital ratio | 15.4016% | 3,279 |
| Memoranda: | ||
| Average total assets | $442,297,000 | 1,581 |
| Average earning assets | $429,273,000 | 1,520 |
| Average equity | $41,926,000 | 1,792 |
| Average total loans | $316,874,500 | 1,504 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,530 |
| Cost of funding earning assets | 0.3852% | 3,232 |
| Net interest margin | 3.5222% | 3,317 |
| Noninterest income to average assets | 0.2535% | 4,722 |
| Noninterest expense to average assets | 2.4826% | 3,799 |
| Loan and lease loss provision to assets | 0.0541% | 2,891 |
| Net operating income to assets | 1.1358% | 1,834 |
| Return on assets (ROA) | 1.1358% | 1,886 |
| Pretax return on assets | 1.1358% | 3,026 |
| Return on Equity (ROE) | 12.1699% | 1,251 |
| Retained earnings to average equity (ytd only) | 8.6900% | 942 |
| Net charge-offs to loans | 0.0032% | 3,383 |
| Credit loss provision to net charge-offs | 2,400.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 527.6000% | 159 |
| Efficiency ratio | 67.6001% | 3,080 |
| Assets per employee ($millions) | 5.0112% | 2,373 |
| Cash dividends to net income (ytd only)* | 28.5941% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,766 |
| Loan loss allowance to noncurrent loans | 199.4405% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 3,372 |
| Noncurrent loans to loans | 0.6209% | 2,874 |
| Net loans and leases to total assets | 69.3323% | 2,615 |
| Net loans and leases to deposits | 78.9813% | 3,023 |
| Net loans and leases to core deposits | 99.8681% | 1,657 |
| Total domestic deposits to total assets | 87.7832% | 1,578 |
| Equity capital to assets | 9.4402% | 4,470 |
| Core capital (leverage) ratio | 9.4266% | 4,205 |
| Tier 1 risk-based capital ratio | 13.7822% | 3,545 |
| Total risk-based capital ratio | 15.0326% | 3,462 |
| Memoranda: | ||
| Average total assets | $443,404,000 | 1,584 |
| Average earning assets | $430,410,670 | 1,517 |
| Average equity | $41,380,670 | 1,813 |
| Average total loans | $315,463,000 | 1,504 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,435 |
| Cost of funding earning assets | 0.3635% | 3,377 |
| Net interest margin | 3.5253% | 3,180 |
| Noninterest income to average assets | 0.2520% | 4,735 |
| Noninterest expense to average assets | 2.4613% | 3,933 |
| Loan and lease loss provision to assets | 0.0546% | 2,712 |
| Net operating income to assets | 1.1510% | 1,663 |
| Return on assets (ROA) | 1.1510% | 1,699 |
| Pretax return on assets | 1.1510% | 2,775 |
| Return on Equity (ROE) | 12.4071% | 1,131 |
| Retained earnings to average equity (ytd only) | 12.4071% | 431 |
| Net charge-offs to loans | 0.0038% | 2,843 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 441.6667% | 128 |
| Efficiency ratio | 67.1216% | 3,324 |
| Assets per employee ($millions) | 5.1149% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,981 |
| Loan loss allowance to noncurrent loans | 157.2883% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 3,027 |
| Noncurrent loans to loans | 0.7781% | 2,518 |
| Net loans and leases to total assets | 70.0642% | 2,369 |
| Net loans and leases to deposits | 80.0425% | 2,751 |
| Net loans and leases to core deposits | 102.2186% | 1,356 |
| Total domestic deposits to total assets | 87.5338% | 1,968 |
| Equity capital to assets | 9.3306% | 4,467 |
| Core capital (leverage) ratio | 9.6249% | 3,961 |
| Tier 1 risk-based capital ratio | 13.7899% | 3,607 |
| Total risk-based capital ratio | 15.0401% | 3,516 |
| Memoranda: | ||
| Average total assets | $439,601,500 | 1,607 |
| Average earning assets | $425,841,500 | 1,539 |
| Average equity | $40,783,000 | 1,835 |
| Average total loans | $314,886,500 | 1,512 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 3,578 |
| Cost of funding earning assets | 0.3435% | 3,600 |
| Net interest margin | 3.5543% | 3,236 |
| Noninterest income to average assets | 0.2672% | 4,818 |
| Noninterest expense to average assets | 2.5748% | 3,763 |
| Loan and lease loss provision to assets | 0.0141% | 4,102 |
| Net operating income to assets | 1.1340% | 1,752 |
| Return on assets (ROA) | 1.1340% | 1,848 |
| Pretax return on assets | 1.1340% | 2,952 |
| Return on Equity (ROE) | 11.8011% | 1,312 |
| Retained earnings to average equity (ytd only) | 3.9150% | 3,139 |
| Net charge-offs to loans | 0.0182% | 3,697 |
| Credit loss provision to net charge-offs | 113.2075% | 2,325 |
| Earnings coverage of net charge-offs (x) | 92.2453% | 647 |
| Efficiency ratio | 69.1604% | 3,047 |
| Assets per employee ($millions) | 4.9342% | 2,462 |
| Cash dividends to net income (ytd only)* | 66.8254% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 3,055 |
| Loan loss allowance to noncurrent loans | 190.3952% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 3,417 |
| Noncurrent loans to loans | 0.6364% | 2,947 |
| Net loans and leases to total assets | 71.4684% | 2,251 |
| Net loans and leases to deposits | 80.5926% | 2,830 |
| Net loans and leases to core deposits | 97.5202% | 1,800 |
| Total domestic deposits to total assets | 88.6787% | 1,280 |
| Equity capital to assets | 9.2226% | 4,558 |
| Core capital (leverage) ratio | 9.4845% | 4,104 |
| Tier 1 risk-based capital ratio | 13.4810% | 3,781 |
| Total risk-based capital ratio | 14.7310% | 3,678 |
| Memoranda: | ||
| Average total assets | $425,820,400 | 1,596 |
| Average earning assets | $413,999,800 | 1,517 |
| Average equity | $40,920,000 | 1,815 |
| Average total loans | $291,572,200 | 1,559 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,644 |
| Cost of funding earning assets | 0.3450% | 3,591 |
| Net interest margin | 3.5382% | 3,327 |
| Noninterest income to average assets | 0.2694% | 4,848 |
| Noninterest expense to average assets | 2.5815% | 3,728 |
| Loan and lease loss provision to assets | 0.0094% | 4,051 |
| Net operating income to assets | 1.1215% | 1,908 |
| Return on assets (ROA) | 1.1215% | 2,020 |
| Pretax return on assets | 1.1215% | 3,144 |
| Return on Equity (ROE) | 11.5509% | 1,477 |
| Retained earnings to average equity (ytd only) | 6.7445% | 1,758 |
| Net charge-offs to loans | 0.0201% | 3,299 |
| Credit loss provision to net charge-offs | 69.7674% | 2,792 |
| Earnings coverage of net charge-offs (x) | 83.5842% | 751 |
| Efficiency ratio | 69.5372% | 2,961 |
| Assets per employee ($millions) | 4.8749% | 2,530 |
| Cash dividends to net income (ytd only)* | 41.6105% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,814 |
| Loan loss allowance to noncurrent loans | 365.4440% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 4,472 |
| Noncurrent loans to loans | 0.3491% | 3,999 |
| Net loans and leases to total assets | 68.3035% | 2,756 |
| Net loans and leases to deposits | 78.4962% | 3,135 |
| Net loans and leases to core deposits | 96.8885% | 1,911 |
| Total domestic deposits to total assets | 87.0151% | 1,892 |
| Equity capital to assets | 9.9056% | 4,234 |
| Core capital (leverage) ratio | 9.5496% | 4,115 |
| Tier 1 risk-based capital ratio | 14.2573% | 3,426 |
| Total risk-based capital ratio | 15.5080% | 3,350 |
| Memoranda: | ||
| Average total assets | $423,723,750 | 1,606 |
| Average earning assets | $412,330,000 | 1,524 |
| Average equity | $41,138,750 | 1,812 |
| Average total loans | $285,933,500 | 1,585 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,745 |
| Cost of funding earning assets | 0.3413% | 3,665 |
| Net interest margin | 3.5172% | 3,424 |
| Noninterest income to average assets | 0.2668% | 4,880 |
| Noninterest expense to average assets | 2.5471% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1432% | 1,799 |
| Return on assets (ROA) | 1.1565% | 1,861 |
| Pretax return on assets | 1.1565% | 2,959 |
| Return on Equity (ROE) | 11.9940% | 1,326 |
| Retained earnings to average equity (ytd only) | 6.7884% | 1,719 |
| Net charge-offs to loans | 0.0283% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 60.3000% | 875 |
| Efficiency ratio | 69.0213% | 3,145 |
| Assets per employee ($millions) | 4.9169% | 2,393 |
| Cash dividends to net income (ytd only)* | 43.4016% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,845 |
| Loan loss allowance to noncurrent loans | 744.3564% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 5,038 |
| Noncurrent loans to loans | 0.1733% | 4,741 |
| Net loans and leases to total assets | 67.2262% | 2,908 |
| Net loans and leases to deposits | 77.0572% | 3,261 |
| Net loans and leases to core deposits | 97.6270% | 1,842 |
| Total domestic deposits to total assets | 87.2420% | 1,784 |
| Equity capital to assets | 9.7398% | 4,519 |
| Core capital (leverage) ratio | 9.6338% | 4,020 |
| Tier 1 risk-based capital ratio | 14.2732% | 3,454 |
| Total risk-based capital ratio | 15.5240% | 3,372 |
| Memoranda: | ||
| Average total assets | $421,968,000 | 1,610 |
| Average earning assets | $410,722,670 | 1,531 |
| Average equity | $40,687,000 | 1,827 |
| Average total loans | $282,310,670 | 1,606 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 3,492 |
| Cost of funding earning assets | 0.3464% | 3,635 |
| Net interest margin | 3.5769% | 3,179 |
| Noninterest income to average assets | 0.2739% | 4,767 |
| Noninterest expense to average assets | 2.6029% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1502% | 1,711 |
| Return on assets (ROA) | 1.1693% | 1,754 |
| Pretax return on assets | 1.1693% | 2,821 |
| Return on Equity (ROE) | 12.1895% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.1895% | 483 |
| Net charge-offs to loans | 0.0014% | 3,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,205.0000% | 34 |
| Efficiency ratio | 69.3540% | 3,238 |
| Assets per employee ($millions) | 4.8127% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,710 |
| Loan loss allowance to noncurrent loans | 403.1847% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 4,644 |
| Noncurrent loans to loans | 0.3323% | 4,247 |
| Net loans and leases to total assets | 67.5799% | 2,717 |
| Net loans and leases to deposits | 77.3708% | 3,068 |
| Net loans and leases to core deposits | 94.4666% | 1,943 |
| Total domestic deposits to total assets | 87.3455% | 2,033 |
| Equity capital to assets | 9.9630% | 4,124 |
| Core capital (leverage) ratio | 9.7509% | 3,841 |
| Tier 1 risk-based capital ratio | 14.7486% | 3,265 |
| Total risk-based capital ratio | 16.0002% | 3,206 |
| Memoranda: | ||
| Average total assets | $419,066,000 | 1,618 |
| Average earning assets | $407,617,000 | 1,538 |
| Average equity | $40,198,500 | 1,837 |
| Average total loans | $277,799,000 | 1,623 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 4,570 |
| Cost of funding earning assets | 0.3619% | 3,557 |
| Net interest margin | 3.2746% | 4,393 |
| Noninterest income to average assets | 0.2787% | 4,888 |
| Noninterest expense to average assets | 2.3546% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1101% | 1,879 |
| Return on assets (ROA) | 1.1101% | 1,946 |
| Pretax return on assets | 1.1101% | 2,999 |
| Return on Equity (ROE) | 11.9125% | 1,322 |
| Retained earnings to average equity (ytd only) | 4.7962% | 2,577 |
| Net charge-offs to loans | -0.0083% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9601% | 3,579 |
| Assets per employee ($millions) | 4.9911% | 2,375 |
| Cash dividends to net income (ytd only)* | 59.7380% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 2,441 |
| Loan loss allowance to noncurrent loans | 477.2613% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,855 |
| Noncurrent loans to loans | 0.2925% | 4,412 |
| Net loans and leases to total assets | 63.2409% | 3,382 |
| Net loans and leases to deposits | 70.9590% | 3,815 |
| Net loans and leases to core deposits | 83.9594% | 2,969 |
| Total domestic deposits to total assets | 89.1231% | 1,060 |
| Equity capital to assets | 9.2309% | 4,864 |
| Core capital (leverage) ratio | 9.3664% | 4,376 |
| Tier 1 risk-based capital ratio | 14.6441% | 3,354 |
| Total risk-based capital ratio | 15.8963% | 3,282 |
| Memoranda: | ||
| Average total assets | $419,513,200 | 1,578 |
| Average earning assets | $408,169,800 | 1,507 |
| Average equity | $39,093,400 | 1,844 |
| Average total loans | $253,960,400 | 1,705 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,638 |
| Cost of funding earning assets | 0.3681% | 3,568 |
| Net interest margin | 3.2635% | 4,477 |
| Noninterest income to average assets | 0.2827% | 4,925 |
| Noninterest expense to average assets | 2.3512% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1072% | 1,974 |
| Return on assets (ROA) | 1.1072% | 2,054 |
| Pretax return on assets | 1.1072% | 3,191 |
| Return on Equity (ROE) | 11.8534% | 1,414 |
| Retained earnings to average equity (ytd only) | 7.8579% | 1,299 |
| Net charge-offs to loans | -0.0102% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9845% | 3,542 |
| Assets per employee ($millions) | 4.9694% | 2,336 |
| Cash dividends to net income (ytd only)* | 33.7075% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 2,302 |
| Loan loss allowance to noncurrent loans | 468.1874% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 4,973 |
| Noncurrent loans to loans | 0.3131% | 4,475 |
| Net loans and leases to total assets | 61.1430% | 3,713 |
| Net loans and leases to deposits | 68.6940% | 4,122 |
| Net loans and leases to core deposits | 81.4831% | 3,311 |
| Total domestic deposits to total assets | 89.0078% | 1,024 |
| Equity capital to assets | 9.6468% | 4,580 |
| Core capital (leverage) ratio | 9.5850% | 4,188 |
| Tier 1 risk-based capital ratio | 15.4546% | 3,072 |
| Total risk-based capital ratio | 16.7076% | 3,000 |
| Memoranda: | ||
| Average total assets | $418,331,500 | 1,591 |
| Average earning assets | $407,079,500 | 1,518 |
| Average equity | $39,076,500 | 1,854 |
| Average total loans | $249,427,500 | 1,738 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,490 |
| Cost of funding earning assets | 0.3736% | 3,562 |
| Net interest margin | 3.3011% | 4,299 |
| Noninterest income to average assets | 0.2742% | 4,988 |
| Noninterest expense to average assets | 2.3682% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1184% | 1,882 |
| Return on assets (ROA) | 1.1184% | 1,969 |
| Pretax return on assets | 1.1184% | 3,096 |
| Return on Equity (ROE) | 12.1048% | 1,339 |
| Retained earnings to average equity (ytd only) | 8.2319% | 1,176 |
| Net charge-offs to loans | -0.0024% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9227% | 3,680 |
| Assets per employee ($millions) | 4.7861% | 2,564 |
| Cash dividends to net income (ytd only)* | 31.9949% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 2,403 |
| Loan loss allowance to noncurrent loans | 435.5991% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,022 |
| Noncurrent loans to loans | 0.3382% | 4,475 |
| Net loans and leases to total assets | 61.4328% | 3,634 |
| Net loans and leases to deposits | 68.8755% | 4,045 |
| Net loans and leases to core deposits | 83.2203% | 3,056 |
| Total domestic deposits to total assets | 89.1940% | 1,053 |
| Equity capital to assets | 9.4914% | 4,661 |
| Core capital (leverage) ratio | 9.2082% | 4,676 |
| Tier 1 risk-based capital ratio | 15.1255% | 3,286 |
| Total risk-based capital ratio | 16.3783% | 3,228 |
| Memoranda: | ||
| Average total assets | $418,631,000 | 1,609 |
| Average earning assets | $407,382,670 | 1,527 |
| Average equity | $38,679,000 | 1,883 |
| Average total loans | $246,227,330 | 1,770 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 4,313 |
| Cost of funding earning assets | 0.3749% | 3,591 |
| Net interest margin | 3.3398% | 4,061 |
| Noninterest income to average assets | 0.2786% | 4,946 |
| Noninterest expense to average assets | 2.4579% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0793% | 1,938 |
| Return on assets (ROA) | 1.0793% | 2,056 |
| Pretax return on assets | 1.0793% | 3,168 |
| Return on Equity (ROE) | 11.8384% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.8384% | 589 |
| Net charge-offs to loans | -0.0017% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4883% | 3,579 |
| Assets per employee ($millions) | 5.3132% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 2,247 |
| Loan loss allowance to noncurrent loans | 199.9471% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 4,260 |
| Noncurrent loans to loans | 0.7732% | 3,321 |
| Net loans and leases to total assets | 56.6143% | 4,134 |
| Net loans and leases to deposits | 63.3205% | 4,451 |
| Net loans and leases to core deposits | 80.1479% | 3,138 |
| Total domestic deposits to total assets | 89.4090% | 1,039 |
| Equity capital to assets | 9.2154% | 5,066 |
| Core capital (leverage) ratio | 9.1221% | 4,818 |
| Tier 1 risk-based capital ratio | 15.2401% | 3,296 |
| Total risk-based capital ratio | 16.4930% | 3,222 |
| Memoranda: | ||
| Average total assets | $422,144,500 | 1,601 |
| Average earning assets | $411,886,500 | 1,522 |
| Average equity | $38,485,000 | 1,902 |
| Average total loans | $241,020,500 | 1,803 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 5,409 |
| Cost of funding earning assets | 0.4344% | 3,338 |
| Net interest margin | 3.0299% | 5,373 |
| Noninterest income to average assets | 0.2889% | 5,051 |
| Noninterest expense to average assets | 2.3843% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8428% | 3,159 |
| Return on assets (ROA) | 0.8425% | 3,252 |
| Pretax return on assets | 0.8425% | 4,100 |
| Return on Equity (ROE) | 9.1766% | 2,499 |
| Retained earnings to average equity (ytd only) | 3.2704% | 3,903 |
| Net charge-offs to loans | 0.0667% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.3618% | 1,631 |
| Efficiency ratio | 73.8840% | 2,857 |
| Assets per employee ($millions) | 5.0510% | 2,258 |
| Cash dividends to net income (ytd only)* | 64.3614% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 2,129 |
| Loan loss allowance to noncurrent loans | 95.9614% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 2,866 |
| Noncurrent loans to loans | 1.6569% | 1,765 |
| Net loans and leases to total assets | 55.7785% | 4,364 |
| Net loans and leases to deposits | 64.2552% | 4,502 |
| Net loans and leases to core deposits | 79.9363% | 3,305 |
| Total domestic deposits to total assets | 86.8077% | 2,389 |
| Equity capital to assets | 9.0163% | 5,268 |
| Core capital (leverage) ratio | 8.8892% | 5,134 |
| Tier 1 risk-based capital ratio | 15.7156% | 3,121 |
| Total risk-based capital ratio | 16.9697% | 3,048 |
| Memoranda: | ||
| Average total assets | $403,303,000 | 1,634 |
| Average earning assets | $391,100,400 | 1,560 |
| Average equity | $37,028,800 | 1,900 |
| Average total loans | $227,949,000 | 1,838 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4726% | 5,448 |
| Cost of funding earning assets | 0.4434% | 3,330 |
| Net interest margin | 3.0292% | 5,440 |
| Noninterest income to average assets | 0.3002% | 5,050 |
| Noninterest expense to average assets | 2.4003% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8354% | 3,255 |
| Return on assets (ROA) | 0.8354% | 3,345 |
| Pretax return on assets | 0.8354% | 4,236 |
| Return on Equity (ROE) | 9.0561% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.6754% | 2,622 |
| Net charge-offs to loans | 0.0910% | 2,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.2466% | 1,992 |
| Efficiency ratio | 74.1822% | 2,793 |
| Assets per employee ($millions) | 4.9984% | 2,242 |
| Cash dividends to net income (ytd only)* | 37.3300% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 2,051 |
| Loan loss allowance to noncurrent loans | 82.4995% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1170% | 2,718 |
| Noncurrent loans to loans | 2.0310% | 1,555 |
| Net loans and leases to total assets | 54.0632% | 4,569 |
| Net loans and leases to deposits | 62.1785% | 4,722 |
| Net loans and leases to core deposits | 78.3427% | 3,507 |
| Total domestic deposits to total assets | 86.9484% | 2,349 |
| Equity capital to assets | 9.1794% | 5,169 |
| Core capital (leverage) ratio | 9.3226% | 4,612 |
| Tier 1 risk-based capital ratio | 16.3685% | 2,867 |
| Total risk-based capital ratio | 17.6234% | 2,821 |
| Memoranda: | ||
| Average total assets | $399,321,250 | 1,661 |
| Average earning assets | $386,984,750 | 1,582 |
| Average equity | $36,836,250 | 1,915 |
| Average total loans | $225,531,750 | 1,866 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 5,386 |
| Cost of funding earning assets | 0.4478% | 3,352 |
| Net interest margin | 3.0651% | 5,358 |
| Noninterest income to average assets | 0.3158% | 4,884 |
| Noninterest expense to average assets | 2.4562% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8272% | 3,193 |
| Return on assets (ROA) | 0.8272% | 3,290 |
| Pretax return on assets | 0.8272% | 4,172 |
| Return on Equity (ROE) | 8.9517% | 2,620 |
| Retained earnings to average equity (ytd only) | 5.5832% | 2,594 |
| Net charge-offs to loans | 0.1587% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.1453% | 2,397 |
| Efficiency ratio | 74.8076% | 2,838 |
| Assets per employee ($millions) | 4.8646% | 2,389 |
| Cash dividends to net income (ytd only)* | 37.6298% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 2,191 |
| Loan loss allowance to noncurrent loans | 83.0786% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1321% | 2,813 |
| Noncurrent loans to loans | 2.0200% | 1,675 |
| Net loans and leases to total assets | 55.0928% | 4,397 |
| Net loans and leases to deposits | 63.6259% | 4,537 |
| Net loans and leases to core deposits | 79.9518% | 3,221 |
| Total domestic deposits to total assets | 86.5887% | 2,710 |
| Equity capital to assets | 9.3709% | 4,876 |
| Core capital (leverage) ratio | 9.2402% | 4,683 |
| Tier 1 risk-based capital ratio | 16.3393% | 2,913 |
| Total risk-based capital ratio | 17.5945% | 2,862 |
| Memoranda: | ||
| Average total assets | $395,806,670 | 1,673 |
| Average earning assets | $383,213,330 | 1,603 |
| Average equity | $36,574,000 | 1,920 |
| Average total loans | $225,588,330 | 1,861 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 5,601 |
| Cost of funding earning assets | 0.4474% | 3,457 |
| Net interest margin | 2.9737% | 5,586 |
| Noninterest income to average assets | 0.3003% | 4,956 |
| Noninterest expense to average assets | 2.5039% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6757% | 3,814 |
| Return on assets (ROA) | 0.6757% | 3,898 |
| Pretax return on assets | 0.6757% | 4,572 |
| Return on Equity (ROE) | 7.3650% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.3650% | 1,873 |
| Net charge-offs to loans | 0.3177% | 1,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.7000% | 2,642 |
| Efficiency ratio | 78.7492% | 2,368 |
| Assets per employee ($millions) | 4.5565% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 2,424 |
| Loan loss allowance to noncurrent loans | 82.7815% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 2,690 |
| Noncurrent loans to loans | 2.0269% | 1,842 |
| Net loans and leases to total assets | 54.8038% | 4,305 |
| Net loans and leases to deposits | 63.1096% | 4,419 |
| Net loans and leases to core deposits | 79.3813% | 3,047 |
| Total domestic deposits to total assets | 86.8390% | 2,917 |
| Equity capital to assets | 9.1772% | 4,899 |
| Core capital (leverage) ratio | 9.2895% | 4,594 |
| Tier 1 risk-based capital ratio | 16.0434% | 3,155 |
| Total risk-based capital ratio | 17.2984% | 3,103 |
| Memoranda: | ||
| Average total assets | $394,263,000 | 1,690 |
| Average earning assets | $381,741,000 | 1,613 |
| Average equity | $36,171,000 | 1,928 |
| Average total loans | $226,626,000 | 1,851 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 5,142 |
| Cost of funding earning assets | 0.5198% | 3,399 |
| Net interest margin | 3.1780% | 5,066 |
| Noninterest income to average assets | 0.3152% | 5,090 |
| Noninterest expense to average assets | 2.4812% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7479% | 3,562 |
| Return on assets (ROA) | 0.7556% | 3,608 |
| Pretax return on assets | 0.9136% | 3,706 |
| Return on Equity (ROE) | 7.8079% | 3,140 |
| Retained earnings to average equity (ytd only) | 1.8469% | 4,923 |
| Net charge-offs to loans | -0.0034% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2893% | 3,245 |
| Assets per employee ($millions) | 4.4040% | 3,078 |
| Cash dividends to net income (ytd only)* | 76.3464% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 2,370 |
| Loan loss allowance to noncurrent loans | 71.0284% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 2,604 |
| Noncurrent loans to loans | 2.4082% | 1,590 |
| Net loans and leases to total assets | 58.2691% | 3,988 |
| Net loans and leases to deposits | 67.4852% | 4,123 |
| Net loans and leases to core deposits | 82.0527% | 2,892 |
| Total domestic deposits to total assets | 86.3435% | 3,087 |
| Equity capital to assets | 9.1714% | 4,842 |
| Core capital (leverage) ratio | 9.2497% | 4,635 |
| Tier 1 risk-based capital ratio | 15.3122% | 3,473 |
| Total risk-based capital ratio | 16.5604% | 3,429 |
| Memoranda: | ||
| Average total assets | $375,983,400 | 1,739 |
| Average earning assets | $363,248,400 | 1,658 |
| Average equity | $36,386,000 | 1,900 |
| Average total loans | $234,407,400 | 1,762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 5,080 |
| Cost of funding earning assets | 0.5365% | 3,400 |
| Net interest margin | 3.1965% | 5,011 |
| Noninterest income to average assets | 0.3188% | 5,144 |
| Noninterest expense to average assets | 2.4648% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7296% | 3,706 |
| Return on assets (ROA) | 0.7394% | 3,779 |
| Pretax return on assets | 0.9517% | 3,683 |
| Return on Equity (ROE) | 7.5379% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.1387% | 3,738 |
| Net charge-offs to loans | -0.0040% | 5,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4094% | 3,331 |
| Assets per employee ($millions) | 4.5312% | 2,835 |
| Cash dividends to net income (ytd only)* | 45.0943% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,733 |
| Loan loss allowance to noncurrent loans | 69.3312% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 2,733 |
| Noncurrent loans to loans | 2.4071% | 1,822 |
| Net loans and leases to total assets | 60.1066% | 3,679 |
| Net loans and leases to deposits | 69.5701% | 3,844 |
| Net loans and leases to core deposits | 86.2771% | 2,379 |
| Total domestic deposits to total assets | 86.3971% | 3,030 |
| Equity capital to assets | 9.4201% | 4,647 |
| Core capital (leverage) ratio | 9.6782% | 4,135 |
| Tier 1 risk-based capital ratio | 15.2187% | 3,611 |
| Total risk-based capital ratio | 16.4669% | 3,572 |
| Memoranda: | ||
| Average total assets | $373,091,250 | 1,761 |
| Average earning assets | $360,097,500 | 1,676 |
| Average equity | $36,596,500 | 1,906 |
| Average total loans | $235,571,000 | 1,754 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 5,009 |
| Cost of funding earning assets | 0.5587% | 3,330 |
| Net interest margin | 3.1855% | 4,992 |
| Noninterest income to average assets | 0.3197% | 5,148 |
| Noninterest expense to average assets | 2.4900% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5888% | 4,351 |
| Return on assets (ROA) | 0.6015% | 4,450 |
| Pretax return on assets | 0.9234% | 3,817 |
| Return on Equity (ROE) | 6.0488% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.9754% | 4,425 |
| Net charge-offs to loans | -0.0042% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3674% | 3,247 |
| Assets per employee ($millions) | 4.3833% | 3,030 |
| Cash dividends to net income (ytd only)* | 50.8108% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 2,934 |
| Loan loss allowance to noncurrent loans | 67.9294% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5703% | 2,758 |
| Noncurrent loans to loans | 2.4448% | 1,915 |
| Net loans and leases to total assets | 63.1532% | 3,073 |
| Net loans and leases to deposits | 73.6073% | 3,212 |
| Net loans and leases to core deposits | 90.1702% | 1,894 |
| Total domestic deposits to total assets | 85.7974% | 3,479 |
| Equity capital to assets | 9.7721% | 4,213 |
| Core capital (leverage) ratio | 9.6134% | 4,059 |
| Tier 1 risk-based capital ratio | 15.0966% | 3,711 |
| Total risk-based capital ratio | 16.3514% | 3,673 |
| Memoranda: | ||
| Average total assets | $369,070,330 | 1,774 |
| Average earning assets | $356,174,000 | 1,706 |
| Average equity | $36,701,330 | 1,902 |
| Average total loans | $235,617,330 | 1,745 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7047% | 5,141 |
| Cost of funding earning assets | 0.5809% | 3,282 |
| Net interest margin | 3.1238% | 5,182 |
| Noninterest income to average assets | 0.3280% | 5,081 |
| Noninterest expense to average assets | 2.4887% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2111% | 5,849 |
| Return on assets (ROA) | 0.2208% | 5,944 |
| Pretax return on assets | 0.8639% | 3,896 |
| Return on Equity (ROE) | 2.2017% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.9859% | 5,009 |
| Net charge-offs to loans | -0.0051% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5702% | 3,162 |
| Assets per employee ($millions) | 4.2796% | 3,375 |
| Cash dividends to net income (ytd only)* | 9.8039% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 3,194 |
| Loan loss allowance to noncurrent loans | 67.2665% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6043% | 2,861 |
| Noncurrent loans to loans | 2.4538% | 2,100 |
| Net loans and leases to total assets | 64.2913% | 2,650 |
| Net loans and leases to deposits | 75.5101% | 2,708 |
| Net loans and leases to core deposits | 93.8009% | 1,361 |
| Total domestic deposits to total assets | 85.1426% | 3,966 |
| Equity capital to assets | 10.1585% | 3,946 |
| Core capital (leverage) ratio | 9.4405% | 4,181 |
| Tier 1 risk-based capital ratio | 14.8690% | 3,927 |
| Total risk-based capital ratio | 16.1239% | 3,884 |
| Memoranda: | ||
| Average total assets | $369,505,500 | 1,783 |
| Average earning assets | $355,980,500 | 1,714 |
| Average equity | $37,061,500 | 1,912 |
| Average total loans | $235,197,500 | 1,759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 5,449 |
| Cost of funding earning assets | 0.6699% | 3,742 |
| Net interest margin | 3.2770% | 5,330 |
| Noninterest income to average assets | 0.3178% | 5,183 |
| Noninterest expense to average assets | 2.4264% | 5,339 |
| Loan and lease loss provision to assets | 0.0230% | 5,606 |
| Net operating income to assets | 0.7104% | 3,694 |
| Return on assets (ROA) | 0.7145% | 3,929 |
| Pretax return on assets | 1.0377% | 3,404 |
| Return on Equity (ROE) | 6.9066% | 3,696 |
| Retained earnings to average equity (ytd only) | -1.8767% | 6,144 |
| Net charge-offs to loans | -0.2882% | 6,971 |
| Credit loss provision to net charge-offs | -12.7436% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7021% | 3,866 |
| Assets per employee ($millions) | 4.3132% | 3,322 |
| Cash dividends to net income (ytd only)* | 127.1731% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 2,982 |
| Loan loss allowance to noncurrent loans | 78.6129% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 3,419 |
| Noncurrent loans to loans | 2.1449% | 2,531 |
| Net loans and leases to total assets | 60.9410% | 3,432 |
| Net loans and leases to deposits | 71.2361% | 3,534 |
| Net loans and leases to core deposits | 87.6544% | 2,129 |
| Total domestic deposits to total assets | 85.5478% | 3,586 |
| Equity capital to assets | 9.9055% | 4,308 |
| Core capital (leverage) ratio | 9.3533% | 4,332 |
| Tier 1 risk-based capital ratio | 14.7903% | 3,839 |
| Total risk-based capital ratio | 16.0450% | 3,790 |
| Memoranda: | ||
| Average total assets | $370,336,000 | 1,756 |
| Average earning assets | $357,496,000 | 1,669 |
| Average equity | $38,311,200 | 1,816 |
| Average total loans | $231,455,600 | 1,757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 5,550 |
| Cost of funding earning assets | 0.6800% | 3,937 |
| Net interest margin | 3.3071% | 5,365 |
| Noninterest income to average assets | 0.3237% | 5,193 |
| Noninterest expense to average assets | 2.4007% | 5,398 |
| Loan and lease loss provision to assets | -0.0849% | 7,024 |
| Net operating income to assets | 0.8658% | 3,152 |
| Return on assets (ROA) | 0.8658% | 3,394 |
| Pretax return on assets | 1.2068% | 2,971 |
| Return on Equity (ROE) | 8.2803% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.7793% | 2,850 |
| Net charge-offs to loans | -0.2820% | 7,041 |
| Credit loss provision to net charge-offs | 48.0573% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1501% | 4,031 |
| Assets per employee ($millions) | 4.1605% | 3,547 |
| Cash dividends to net income (ytd only)* | 30.2044% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,028 |
| Loan loss allowance to noncurrent loans | 75.9876% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 3,861 |
| Noncurrent loans to loans | 1.9503% | 2,898 |
| Net loans and leases to total assets | 61.4726% | 3,482 |
| Net loans and leases to deposits | 72.3462% | 3,556 |
| Net loans and leases to core deposits | 89.5956% | 2,040 |
| Total domestic deposits to total assets | 84.9701% | 3,755 |
| Equity capital to assets | 10.7812% | 3,527 |
| Core capital (leverage) ratio | 10.0945% | 3,414 |
| Tier 1 risk-based capital ratio | 15.5242% | 3,519 |
| Total risk-based capital ratio | 16.7773% | 3,480 |
| Memoranda: | ||
| Average total assets | $369,108,750 | 1,784 |
| Average earning assets | $357,045,750 | 1,689 |
| Average equity | $38,596,500 | 1,818 |
| Average total loans | $231,169,500 | 1,777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 5,512 |
| Cost of funding earning assets | 0.6944% | 4,060 |
| Net interest margin | 3.3469% | 5,281 |
| Noninterest income to average assets | 0.3282% | 5,202 |
| Noninterest expense to average assets | 2.3807% | 5,523 |
| Loan and lease loss provision to assets | -0.1275% | 7,122 |
| Net operating income to assets | 0.9471% | 2,673 |
| Return on assets (ROA) | 0.9471% | 2,931 |
| Pretax return on assets | 1.3089% | 2,525 |
| Return on Equity (ROE) | 9.1521% | 2,740 |
| Retained earnings to average equity (ytd only) | 5.3571% | 3,068 |
| Net charge-offs to loans | -0.4818% | 7,125 |
| Credit loss provision to net charge-offs | 42.1903% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8342% | 4,349 |
| Assets per employee ($millions) | 4.2375% | 3,384 |
| Cash dividends to net income (ytd only)* | 41.4662% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 4,024 |
| Loan loss allowance to noncurrent loans | 78.0510% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 4,006 |
| Noncurrent loans to loans | 1.9174% | 3,046 |
| Net loans and leases to total assets | 61.6376% | 3,505 |
| Net loans and leases to deposits | 72.1049% | 3,594 |
| Net loans and leases to core deposits | 91.3473% | 1,835 |
| Total domestic deposits to total assets | 85.4833% | 3,618 |
| Equity capital to assets | 10.4207% | 3,785 |
| Core capital (leverage) ratio | 9.9012% | 3,573 |
| Tier 1 risk-based capital ratio | 15.2799% | 3,582 |
| Total risk-based capital ratio | 16.5338% | 3,543 |
| Memoranda: | ||
| Average total assets | $368,717,670 | 1,787 |
| Average earning assets | $356,266,330 | 1,695 |
| Average equity | $38,155,000 | 1,833 |
| Average total loans | $231,210,670 | 1,773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 5,406 |
| Cost of funding earning assets | 0.7054% | 4,234 |
| Net interest margin | 3.4076% | 5,091 |
| Noninterest income to average assets | 0.3371% | 5,162 |
| Noninterest expense to average assets | 2.3643% | 5,585 |
| Loan and lease loss provision to assets | -0.3055% | 7,235 |
| Net operating income to assets | 1.1805% | 1,799 |
| Return on assets (ROA) | 1.1805% | 1,980 |
| Pretax return on assets | 1.5722% | 1,662 |
| Return on Equity (ROE) | 11.4488% | 1,856 |
| Retained earnings to average equity (ytd only) | 3.7881% | 4,314 |
| Net charge-offs to loans | -0.9663% | 7,212 |
| Credit loss provision to net charge-offs | 50.3597% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1142% | 4,717 |
| Assets per employee ($millions) | 4.3224% | 3,350 |
| Cash dividends to net income (ytd only)* | 66.9131% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 4,055 |
| Loan loss allowance to noncurrent loans | 16,409.5238% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 6,881 |
| Noncurrent loans to loans | 0.0093% | 6,769 |
| Net loans and leases to total assets | 59.2866% | 3,810 |
| Net loans and leases to deposits | 69.3716% | 3,822 |
| Net loans and leases to core deposits | 87.7363% | 2,080 |
| Total domestic deposits to total assets | 85.4624% | 3,813 |
| Equity capital to assets | 10.1054% | 3,989 |
| Core capital (leverage) ratio | 9.8260% | 3,605 |
| Tier 1 risk-based capital ratio | 15.0387% | 3,736 |
| Total risk-based capital ratio | 16.2907% | 3,689 |
| Memoranda: | ||
| Average total assets | $366,625,500 | 1,805 |
| Average earning assets | $354,387,000 | 1,708 |
| Average equity | $37,803,000 | 1,843 |
| Average total loans | $230,146,000 | 1,790 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 5,312 |
| Cost of funding earning assets | 0.8286% | 4,641 |
| Net interest margin | 3.6013% | 4,726 |
| Noninterest income to average assets | 0.3425% | 5,079 |
| Noninterest expense to average assets | 2.7551% | 4,533 |
| Loan and lease loss provision to assets | 0.4587% | 2,306 |
| Net operating income to assets | 0.4184% | 4,780 |
| Return on assets (ROA) | 0.4271% | 4,943 |
| Pretax return on assets | 0.6210% | 4,628 |
| Return on Equity (ROE) | 4.2339% | 4,746 |
| Retained earnings to average equity (ytd only) | 2.2626% | 4,599 |
| Net charge-offs to loans | 0.5822% | 2,701 |
| Credit loss provision to net charge-offs | 120.8394% | 2,631 |
| Earnings coverage of net charge-offs (x) | 2.8111% | 3,810 |
| Efficiency ratio | 72.0825% | 3,563 |
| Assets per employee ($millions) | 4.0591% | 3,732 |
| Cash dividends to net income (ytd only)* | 46.5595% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 4,644 |
| Loan loss allowance to noncurrent loans | 7,731.7073% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 6,906 |
| Noncurrent loans to loans | 0.0175% | 6,785 |
| Net loans and leases to total assets | 64.5934% | 3,061 |
| Net loans and leases to deposits | 76.2203% | 3,149 |
| Net loans and leases to core deposits | 94.0542% | 1,693 |
| Total domestic deposits to total assets | 84.7457% | 3,983 |
| Equity capital to assets | 10.5276% | 3,506 |
| Core capital (leverage) ratio | 9.9313% | 3,421 |
| Tier 1 risk-based capital ratio | 15.2451% | 3,486 |
| Total risk-based capital ratio | 16.4964% | 3,440 |
| Memoranda: | ||
| Average total assets | $364,083,400 | 1,785 |
| Average earning assets | $351,786,600 | 1,686 |
| Average equity | $36,727,000 | 1,836 |
| Average total loans | $237,368,200 | 1,767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 5,402 |
| Cost of funding earning assets | 0.8602% | 4,707 |
| Net interest margin | 3.5969% | 4,783 |
| Noninterest income to average assets | 0.3448% | 5,104 |
| Noninterest expense to average assets | 2.5211% | 5,396 |
| Loan and lease loss provision to assets | 0.5139% | 1,926 |
| Net operating income to assets | 0.5342% | 4,386 |
| Return on assets (ROA) | 0.5456% | 4,524 |
| Pretax return on assets | 0.8030% | 4,121 |
| Return on Equity (ROE) | 5.4672% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.8231% | 4,666 |
| Net charge-offs to loans | 0.6694% | 2,238 |
| Credit loss provision to net charge-offs | 117.8930% | 2,768 |
| Earnings coverage of net charge-offs (x) | 2.9824% | 3,647 |
| Efficiency ratio | 65.9767% | 4,724 |
| Assets per employee ($millions) | 4.2903% | 3,292 |
| Cash dividends to net income (ytd only)* | 48.3634% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 5,021 |
| Loan loss allowance to noncurrent loans | 708.4668% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 5,321 |
| Noncurrent loans to loans | 0.1832% | 6,506 |
| Net loans and leases to total assets | 63.8041% | 3,348 |
| Net loans and leases to deposits | 74.8636% | 3,534 |
| Net loans and leases to core deposits | 92.3366% | 1,962 |
| Total domestic deposits to total assets | 85.2272% | 3,661 |
| Equity capital to assets | 10.2721% | 3,999 |
| Core capital (leverage) ratio | 9.8413% | 3,661 |
| Tier 1 risk-based capital ratio | 14.5042% | 3,978 |
| Total risk-based capital ratio | 15.7557% | 3,950 |
| Memoranda: | ||
| Average total assets | $365,803,000 | 1,780 |
| Average earning assets | $353,559,750 | 1,679 |
| Average equity | $36,507,500 | 1,843 |
| Average total loans | $238,235,000 | 1,768 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 5,672 |
| Cost of funding earning assets | 0.8843% | 4,798 |
| Net interest margin | 3.5214% | 5,065 |
| Noninterest income to average assets | 0.3367% | 5,195 |
| Noninterest expense to average assets | 2.4433% | 5,721 |
| Loan and lease loss provision to assets | 0.4935% | 1,993 |
| Net operating income to assets | 0.5168% | 4,430 |
| Return on assets (ROA) | 0.5330% | 4,509 |
| Pretax return on assets | 0.8313% | 3,907 |
| Return on Equity (ROE) | 5.3935% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.3761% | 5,307 |
| Net charge-offs to loans | 0.5341% | 2,497 |
| Credit loss provision to net charge-offs | 141.5094% | 2,152 |
| Earnings coverage of net charge-offs (x) | 3.7264% | 3,069 |
| Efficiency ratio | 65.2798% | 5,011 |
| Assets per employee ($millions) | 4.1737% | 3,404 |
| Cash dividends to net income (ytd only)* | 74.4856% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 5,006 |
| Loan loss allowance to noncurrent loans | 70.1606% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2182% | 4,460 |
| Noncurrent loans to loans | 1.8694% | 3,655 |
| Net loans and leases to total assets | 63.7248% | 3,526 |
| Net loans and leases to deposits | 74.2174% | 3,771 |
| Net loans and leases to core deposits | 94.0513% | 1,889 |
| Total domestic deposits to total assets | 85.8623% | 3,400 |
| Equity capital to assets | 9.8264% | 4,361 |
| Core capital (leverage) ratio | 9.5852% | 3,835 |
| Tier 1 risk-based capital ratio | 14.2878% | 3,949 |
| Total risk-based capital ratio | 15.5380% | 3,922 |
| Memoranda: | ||
| Average total assets | $364,750,000 | 1,793 |
| Average earning assets | $352,816,330 | 1,697 |
| Average equity | $36,043,330 | 1,856 |
| Average total loans | $238,143,670 | 1,790 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 5,549 |
| Cost of funding earning assets | 0.9128% | 4,830 |
| Net interest margin | 3.5286% | 4,887 |
| Noninterest income to average assets | 0.3265% | 5,298 |
| Noninterest expense to average assets | 2.4538% | 5,729 |
| Loan and lease loss provision to assets | 0.0830% | 4,961 |
| Net operating income to assets | 0.7991% | 3,040 |
| Return on assets (ROA) | 0.7991% | 3,108 |
| Pretax return on assets | 1.1998% | 2,367 |
| Return on Equity (ROE) | 8.0638% | 2,879 |
| Retained earnings to average equity (ytd only) | -0.0223% | 5,799 |
| Net charge-offs to loans | -0.0034% | 6,208 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6694% | 5,088 |
| Assets per employee ($millions) | 4.1659% | 3,508 |
| Cash dividends to net income (ytd only)* | 100.2770% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,349 |
| Loan loss allowance to noncurrent loans | 57.6691% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 4,198 |
| Noncurrent loans to loans | 2.1815% | 3,342 |
| Net loans and leases to total assets | 62.6406% | 3,726 |
| Net loans and leases to deposits | 73.0172% | 3,918 |
| Net loans and leases to core deposits | 92.6047% | 2,059 |
| Total domestic deposits to total assets | 85.7888% | 3,642 |
| Equity capital to assets | 9.6261% | 4,281 |
| Core capital (leverage) ratio | 9.4588% | 3,874 |
| Tier 1 risk-based capital ratio | 14.2194% | 3,925 |
| Total risk-based capital ratio | 15.4290% | 3,922 |
| Memoranda: | ||
| Average total assets | $361,395,000 | 1,821 |
| Average earning assets | $349,261,500 | 1,719 |
| Average equity | $35,814,500 | 1,852 |
| Average total loans | $237,286,500 | 1,810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 6,420 |
| Cost of funding earning assets | 1.1543% | 4,825 |
| Net interest margin | 3.3370% | 5,846 |
| Noninterest income to average assets | 0.3359% | 5,380 |
| Noninterest expense to average assets | 2.5240% | 5,705 |
| Loan and lease loss provision to assets | 0.2821% | 4,549 |
| Net operating income to assets | 0.4952% | 4,118 |
| Return on assets (ROA) | 0.5963% | 3,848 |
| Pretax return on assets | 0.9040% | 3,272 |
| Return on Equity (ROE) | 6.0105% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.0105% | 1,805 |
| Net charge-offs to loans | -0.0049% | 7,262 |
| Credit loss provision to net charge-offs | -9,090.9091% | 7,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9596% | 3,998 |
| Assets per employee ($millions) | 3.8684% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,495 |
| Loan loss allowance to noncurrent loans | 56.5098% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 4,135 |
| Noncurrent loans to loans | 2.1306% | 3,394 |
| Net loans and leases to total assets | 67.1778% | 3,169 |
| Net loans and leases to deposits | 76.6012% | 3,747 |
| Net loans and leases to core deposits | 98.6011% | 1,741 |
| Total domestic deposits to total assets | 87.6981% | 2,421 |
| Equity capital to assets | 10.2092% | 3,490 |
| Core capital (leverage) ratio | 9.7203% | 3,411 |
| Tier 1 risk-based capital ratio | 13.8425% | 3,967 |
| Total risk-based capital ratio | 14.9789% | 4,016 |
| Memoranda: | ||
| Average total assets | $354,523,400 | 1,842 |
| Average earning assets | $342,193,600 | 1,748 |
| Average equity | $35,171,800 | 1,886 |
| Average total loans | $225,144,200 | 1,936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 6,594 |
| Cost of funding earning assets | 1.1832% | 4,967 |
| Net interest margin | 3.3227% | 5,945 |
| Noninterest income to average assets | 0.3371% | 5,465 |
| Noninterest expense to average assets | 2.5191% | 5,641 |
| Loan and lease loss provision to assets | 0.1577% | 5,469 |
| Net operating income to assets | 0.5562% | 4,071 |
| Return on assets (ROA) | 0.6866% | 3,639 |
| Pretax return on assets | 1.0681% | 2,939 |
| Return on Equity (ROE) | 6.9714% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.9714% | 1,864 |
| Net charge-offs to loans | -0.0114% | 7,285 |
| Credit loss provision to net charge-offs | -2,210.5263% | 7,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1408% | 3,860 |
| Assets per employee ($millions) | 3.9899% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,346 |
| Loan loss allowance to noncurrent loans | 55.5022% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1716% | 4,781 |
| Noncurrent loans to loans | 1.8206% | 3,910 |
| Net loans and leases to total assets | 63.0205% | 4,319 |
| Net loans and leases to deposits | 72.0050% | 4,842 |
| Net loans and leases to core deposits | 94.5829% | 2,440 |
| Total domestic deposits to total assets | 87.5224% | 2,249 |
| Equity capital to assets | 10.0465% | 4,099 |
| Core capital (leverage) ratio | 9.6389% | 3,695 |
| Tier 1 risk-based capital ratio | 14.2036% | 3,691 |
| Total risk-based capital ratio | 15.1458% | 3,888 |
| Memoranda: | ||
| Average total assets | $355,147,500 | 1,864 |
| Average earning assets | $342,448,250 | 1,775 |
| Average equity | $34,980,000 | 1,914 |
| Average total loans | $221,588,750 | 1,988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 6,689 |
| Cost of funding earning assets | 1.2187% | 5,026 |
| Net interest margin | 3.2913% | 6,042 |
| Noninterest income to average assets | 0.3352% | 5,468 |
| Noninterest expense to average assets | 2.5238% | 5,633 |
| Loan and lease loss provision to assets | 0.1978% | 4,890 |
| Net operating income to assets | 0.5011% | 4,327 |
| Return on assets (ROA) | 0.6975% | 3,572 |
| Pretax return on assets | 1.0926% | 2,804 |
| Return on Equity (ROE) | 7.1299% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.1299% | 1,779 |
| Net charge-offs to loans | -0.0128% | 7,229 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9581% | 3,817 |
| Assets per employee ($millions) | 3.9747% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,353 |
| Loan loss allowance to noncurrent loans | 87.5784% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 5,697 |
| Noncurrent loans to loans | 1.1543% | 5,031 |
| Net loans and leases to total assets | 60.5045% | 4,964 |
| Net loans and leases to deposits | 68.9881% | 5,416 |
| Net loans and leases to core deposits | 95.8698% | 2,454 |
| Total domestic deposits to total assets | 87.7028% | 2,162 |
| Equity capital to assets | 9.7377% | 4,359 |
| Core capital (leverage) ratio | 9.4454% | 3,905 |
| Tier 1 risk-based capital ratio | 14.1530% | 3,633 |
| Total risk-based capital ratio | 15.0772% | 3,819 |
| Memoranda: | ||
| Average total assets | $353,833,000 | 1,889 |
| Average earning assets | $341,018,330 | 1,796 |
| Average equity | $34,614,670 | 1,931 |
| Average total loans | $219,248,000 | 2,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 6,868 |
| Cost of funding earning assets | 1.2555% | 5,084 |
| Net interest margin | 3.2087% | 6,268 |
| Noninterest income to average assets | 0.3384% | 5,434 |
| Noninterest expense to average assets | 2.5527% | 5,543 |
| Loan and lease loss provision to assets | 0.0320% | 6,357 |
| Net operating income to assets | 0.5990% | 3,900 |
| Return on assets (ROA) | 0.5990% | 4,046 |
| Pretax return on assets | 0.8448% | 3,687 |
| Return on Equity (ROE) | 6.1087% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.1087% | 2,572 |
| Net charge-offs to loans | -0.0256% | 7,144 |
| Credit loss provision to net charge-offs | -200.0000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4333% | 3,503 |
| Assets per employee ($millions) | 3.9566% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 6,933 |
| Loan loss allowance to noncurrent loans | 72.5721% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 5,669 |
| Noncurrent loans to loans | 1.1966% | 4,969 |
| Net loans and leases to total assets | 60.6490% | 5,009 |
| Net loans and leases to deposits | 69.8953% | 5,354 |
| Net loans and leases to core deposits | 93.2986% | 2,937 |
| Total domestic deposits to total assets | 86.7712% | 2,755 |
| Equity capital to assets | 9.6213% | 4,344 |
| Core capital (leverage) ratio | 9.6297% | 3,600 |
| Tier 1 risk-based capital ratio | 13.7813% | 3,810 |
| Total risk-based capital ratio | 14.5679% | 4,063 |
| Memoranda: | ||
| Average total assets | $349,900,000 | 1,958 |
| Average earning assets | $337,088,000 | 1,857 |
| Average equity | $34,311,500 | 1,972 |
| Average total loans | $218,332,500 | 2,090 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 6,614 |
| Cost of funding earning assets | 1.5749% | 5,154 |
| Net interest margin | 3.3666% | 5,505 |
| Noninterest income to average assets | 0.3951% | 5,241 |
| Noninterest expense to average assets | 2.5959% | 5,814 |
| Loan and lease loss provision to assets | 0.0561% | 7,003 |
| Net operating income to assets | 0.6663% | 3,077 |
| Return on assets (ROA) | 0.6663% | 3,128 |
| Pretax return on assets | 0.9741% | 2,674 |
| Return on Equity (ROE) | 6.5324% | 2,975 |
| Retained earnings to average equity (ytd only) | 0.7433% | 4,488 |
| Net charge-offs to loans | 0.0213% | 6,936 |
| Credit loss provision to net charge-offs | 402.1739% | 782 |
| Earnings coverage of net charge-offs (x) | 73.8478% | 370 |
| Efficiency ratio | 71.5899% | 4,334 |
| Assets per employee ($millions) | 3.6929% | 4,533 |
| Cash dividends to net income (ytd only)* | 88.6208% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 6,944 |
| Loan loss allowance to noncurrent loans | 69.1682% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 5,487 |
| Noncurrent loans to loans | 1.2501% | 4,860 |
| Net loans and leases to total assets | 63.1389% | 4,780 |
| Net loans and leases to deposits | 73.6251% | 5,101 |
| Net loans and leases to core deposits | 110.2124% | 2,872 |
| Total domestic deposits to total assets | 85.7573% | 3,134 |
| Equity capital to assets | 10.0019% | 3,763 |
| Core capital (leverage) ratio | 9.8835% | 3,224 |
| Tier 1 risk-based capital ratio | 13.8258% | 3,615 |
| Total risk-based capital ratio | 14.6099% | 3,853 |
| Memoranda: | ||
| Average total assets | $329,754,600 | 2,054 |
| Average earning assets | $316,458,200 | 1,971 |
| Average equity | $33,632,400 | 1,996 |
| Average total loans | $216,237,600 | 2,139 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 6,567 |
| Cost of funding earning assets | 1.6062% | 5,372 |
| Net interest margin | 3.4058% | 5,240 |
| Noninterest income to average assets | 0.3985% | 5,296 |
| Noninterest expense to average assets | 2.5969% | 5,721 |
| Loan and lease loss provision to assets | 0.0672% | 6,694 |
| Net operating income to assets | 0.6812% | 3,275 |
| Return on assets (ROA) | 0.6812% | 3,333 |
| Pretax return on assets | 0.9990% | 2,906 |
| Return on Equity (ROE) | 6.6456% | 3,237 |
| Retained earnings to average equity (ytd only) | 1.7846% | 4,317 |
| Net charge-offs to loans | 0.0197% | 6,630 |
| Credit loss provision to net charge-offs | 515.6250% | 762 |
| Earnings coverage of net charge-offs (x) | 81.7729% | 414 |
| Efficiency ratio | 70.8931% | 4,442 |
| Assets per employee ($millions) | 3.4974% | 4,931 |
| Cash dividends to net income (ytd only)* | 73.1460% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 6,985 |
| Loan loss allowance to noncurrent loans | 69.4858% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 5,330 |
| Noncurrent loans to loans | 1.2106% | 4,920 |
| Net loans and leases to total assets | 67.5892% | 4,051 |
| Net loans and leases to deposits | 79.2981% | 4,509 |
| Net loans and leases to core deposits | 123.8240% | 1,917 |
| Total domestic deposits to total assets | 85.2344% | 3,107 |
| Equity capital to assets | 10.5407% | 3,466 |
| Core capital (leverage) ratio | 9.9035% | 3,392 |
| Tier 1 risk-based capital ratio | 14.2160% | 3,429 |
| Total risk-based capital ratio | 15.0147% | 3,629 |
| Memoranda: | ||
| Average total assets | $327,256,750 | 2,087 |
| Average earning assets | $313,689,000 | 2,010 |
| Average equity | $33,545,250 | 2,023 |
| Average total loans | $216,201,250 | 2,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 6,536 |
| Cost of funding earning assets | 1.6189% | 5,671 |
| Net interest margin | 3.4539% | 4,976 |
| Noninterest income to average assets | 0.3958% | 5,329 |
| Noninterest expense to average assets | 2.5537% | 5,931 |
| Loan and lease loss provision to assets | 0.1006% | 6,167 |
| Net operating income to assets | 0.7008% | 3,250 |
| Return on assets (ROA) | 0.7008% | 3,359 |
| Pretax return on assets | 1.0454% | 2,826 |
| Return on Equity (ROE) | 6.9012% | 3,249 |
| Retained earnings to average equity (ytd only) | -0.4445% | 5,337 |
| Net charge-offs to loans | 0.0317% | 6,016 |
| Credit loss provision to net charge-offs | 485.2941% | 955 |
| Earnings coverage of net charge-offs (x) | 55.2647% | 641 |
| Efficiency ratio | 69.0241% | 4,978 |
| Assets per employee ($millions) | 3.5643% | 4,653 |
| Cash dividends to net income (ytd only)* | 106.4404% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 6,944 |
| Loan loss allowance to noncurrent loans | 1,791.3462% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 7,359 |
| Noncurrent loans to loans | 0.0480% | 7,420 |
| Net loans and leases to total assets | 64.8563% | 4,795 |
| Net loans and leases to deposits | 75.2304% | 5,287 |
| Net loans and leases to core deposits | 119.6490% | 2,401 |
| Total domestic deposits to total assets | 86.2102% | 2,669 |
| Equity capital to assets | 9.9905% | 3,951 |
| Core capital (leverage) ratio | 9.7761% | 3,547 |
| Tier 1 risk-based capital ratio | 14.1125% | 3,450 |
| Total risk-based capital ratio | 14.9173% | 3,641 |
| Memoranda: | ||
| Average total assets | $327,921,670 | 2,106 |
| Average earning assets | $313,670,670 | 2,029 |
| Average equity | $33,298,670 | 2,044 |
| Average total loans | $214,366,000 | 2,205 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 6,588 |
| Cost of funding earning assets | 1.6561% | 5,790 |
| Net interest margin | 3.4652% | 4,872 |
| Noninterest income to average assets | 0.3961% | 5,239 |
| Noninterest expense to average assets | 2.4517% | 6,017 |
| Loan and lease loss provision to assets | 0.0797% | 5,954 |
| Net operating income to assets | 0.8009% | 3,125 |
| Return on assets (ROA) | 0.8009% | 3,284 |
| Pretax return on assets | 1.1725% | 2,713 |
| Return on Equity (ROE) | 7.8227% | 3,233 |
| Retained earnings to average equity (ytd only) | -6.8284% | 6,775 |
| Net charge-offs to loans | 0.0507% | 4,763 |
| Credit loss provision to net charge-offs | 240.7407% | 1,934 |
| Earnings coverage of net charge-offs (x) | 37.8148% | 888 |
| Efficiency ratio | 66.1921% | 5,294 |
| Assets per employee ($millions) | 3.6059% | 4,551 |
| Cash dividends to net income (ytd only)* | 187.2894% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 7,018 |
| Loan loss allowance to noncurrent loans | 3,403.8462% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 7,211 |
| Noncurrent loans to loans | 0.0246% | 7,485 |
| Net loans and leases to total assets | 62.4315% | 5,248 |
| Net loans and leases to deposits | 72.3256% | 5,706 |
| Net loans and leases to core deposits | 117.8310% | 2,615 |
| Total domestic deposits to total assets | 86.3201% | 2,540 |
| Equity capital to assets | 9.8839% | 4,138 |
| Core capital (leverage) ratio | 9.6312% | 3,843 |
| Tier 1 risk-based capital ratio | 14.1893% | 3,482 |
| Total risk-based capital ratio | 14.9699% | 3,656 |
| Memoranda: | ||
| Average total assets | $326,144,500 | 2,131 |
| Average earning assets | $311,326,000 | 2,054 |
| Average equity | $33,390,000 | 2,030 |
| Average total loans | $213,126,000 | 2,241 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0512% | 5,293 |
| Cost of funding earning assets | 2.0786% | 6,137 |
| Net interest margin | 3.9726% | 3,259 |
| Noninterest income to average assets | 0.4434% | 5,084 |
| Noninterest expense to average assets | 2.4788% | 6,089 |
| Loan and lease loss provision to assets | 0.0227% | 7,112 |
| Net operating income to assets | 1.1704% | 1,876 |
| Return on assets (ROA) | 1.1704% | 1,802 |
| Pretax return on assets | 1.7300% | 1,082 |
| Return on Equity (ROE) | 11.4660% | 1,763 |
| Retained earnings to average equity (ytd only) | 11.4660% | 273 |
| Net charge-offs to loans | 0.0104% | 6,781 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 256.9524% | 193 |
| Efficiency ratio | 58.5783% | 6,593 |
| Assets per employee ($millions) | 3.3363% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 7,087 |
| Loan loss allowance to noncurrent loans | 1,178.2313% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 7,400 |
| Noncurrent loans to loans | 0.0683% | 7,229 |
| Net loans and leases to total assets | 67.3270% | 4,582 |
| Net loans and leases to deposits | 82.3641% | 4,669 |
| Net loans and leases to core deposits | 116.7694% | 3,032 |
| Total domestic deposits to total assets | 81.7431% | 4,301 |
| Equity capital to assets | 10.6123% | 3,375 |
| Core capital (leverage) ratio | 10.4120% | 3,057 |
| Tier 1 risk-based capital ratio | 14.3058% | 3,391 |
| Total risk-based capital ratio | 15.0625% | 3,564 |
| Memoranda: | ||
| Average total assets | $307,854,600 | 2,163 |
| Average earning assets | $293,559,800 | 2,085 |
| Average equity | $31,423,400 | 2,149 |
| Average total loans | $202,869,600 | 2,273 |