Home > River City Bank, Inc. > Performance and Condition Ratios
River City Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 1,364 |
| Cost of funding earning assets | 2.6735% | 263 |
| Net interest margin | 2.6931% | 3,829 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4646% | 2,403 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2609% | 4,081 |
| Return on assets (ROA) | 0.2609% | 4,087 |
| Pretax return on assets | 0.3343% | 4,057 |
| Return on Equity (ROE) | 2.8800% | 4,042 |
| Retained earnings to average equity (ytd only) | -2.2726% | 4,289 |
| Net charge-offs to loans | -0.0200% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.3586% | 504 |
| Assets per employee ($millions) | 6.3138% | 2,545 |
| Cash dividends to net income (ytd only)* | 178.8393% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,175 |
| Loan loss allowance to noncurrent loans | 5,478.9474% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,728 |
| Noncurrent loans to loans | 0.0120% | 3,671 |
| Net loans and leases to total assets | 70.2500% | 1,780 |
| Net loans and leases to deposits | 83.4450% | 1,821 |
| Net loans and leases to core deposits | 92.9592% | 1,849 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 8.8654% | 2,776 |
| Core capital (leverage) ratio | 11.6113% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9010% | 1,563 |
| Memoranda: | ||
| Average total assets | $429,286,800 | 1,924 |
| Average earning assets | $388,624,800 | 1,954 |
| Average equity | $38,855,000 | 1,921 |
| Average total loans | $294,811,800 | 1,810 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1792% | 1,493 |
| Cost of funding earning assets | 2.4410% | 304 |
| Net interest margin | 2.7382% | 3,829 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.4226% | 2,457 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3159% | 4,098 |
| Return on assets (ROA) | 0.3159% | 4,101 |
| Pretax return on assets | 0.4350% | 4,010 |
| Return on Equity (ROE) | 3.4700% | 4,052 |
| Retained earnings to average equity (ytd only) | -1.7152% | 4,305 |
| Net charge-offs to loans | -0.0078% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.1497% | 604 |
| Assets per employee ($millions) | 6.5628% | 2,279 |
| Cash dividends to net income (ytd only)* | 149.4036% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 4,187 |
| Loan loss allowance to noncurrent loans | 1,299.3631% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,451 |
| Noncurrent loans to loans | 0.0512% | 3,388 |
| Net loans and leases to total assets | 68.2600% | 2,017 |
| Net loans and leases to deposits | 79.5732% | 2,089 |
| Net loans and leases to core deposits | 88.5149% | 2,023 |
| Total domestic deposits to total assets | 85.7800% | 2,262 |
| Equity capital to assets | 8.0105% | 3,056 |
| Core capital (leverage) ratio | 12.0582% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2484% | 1,493 |
| Memoranda: | ||
| Average total assets | $424,538,500 | 1,937 |
| Average earning assets | $384,039,000 | 1,971 |
| Average equity | $38,633,250 | 1,912 |
| Average total loans | $289,265,750 | 1,836 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 1,420 |
| Cost of funding earning assets | 2.3173% | 265 |
| Net interest margin | 2.7511% | 3,903 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4683% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2770% | 4,189 |
| Return on assets (ROA) | 0.2770% | 4,221 |
| Pretax return on assets | 0.3810% | 4,141 |
| Return on Equity (ROE) | 2.9200% | 4,166 |
| Retained earnings to average equity (ytd only) | -2.1316% | 4,296 |
| Net charge-offs to loans | -0.0078% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.6274% | 471 |
| Assets per employee ($millions) | 6.1199% | 2,604 |
| Cash dividends to net income (ytd only)* | 173.0104% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,192 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,442 |
| Noncurrent loans to loans | 0.0511% | 3,339 |
| Net loans and leases to total assets | 66.7400% | 2,082 |
| Net loans and leases to deposits | 77.0858% | 2,211 |
| Net loans and leases to core deposits | 82.2400% | 2,318 |
| Total domestic deposits to total assets | 86.5800% | 2,068 |
| Equity capital to assets | 9.2182% | 2,360 |
| Core capital (leverage) ratio | 12.3335% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8066% | 1,360 |
| Memoranda: | ||
| Average total assets | $417,295,667 | 1,962 |
| Average earning assets | $377,158,333 | 1,989 |
| Average equity | $39,595,000 | 1,894 |
| Average total loans | $283,471,000 | 1,850 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 1,408 |
| Cost of funding earning assets | 2.2035% | 194 |
| Net interest margin | 2.6960% | 4,076 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.3606% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3587% | 4,155 |
| Return on assets (ROA) | 0.3587% | 4,108 |
| Pretax return on assets | 0.4407% | 4,069 |
| Return on Equity (ROE) | 3.7300% | 4,084 |
| Retained earnings to average equity (ytd only) | -1.2823% | 4,151 |
| Net charge-offs to loans | -0.0056% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.2685% | 581 |
| Assets per employee ($millions) | 6.2337% | 2,551 |
| Cash dividends to net income (ytd only)* | 134.4086% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 4,252 |
| Loan loss allowance to noncurrent loans | 690.8772% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,121 |
| Noncurrent loans to loans | 0.1003% | 3,039 |
| Net loans and leases to total assets | 67.5800% | 1,889 |
| Net loans and leases to deposits | 78.3617% | 1,935 |
| Net loans and leases to core deposits | 82.9590% | 2,065 |
| Total domestic deposits to total assets | 86.2400% | 2,526 |
| Equity capital to assets | 9.7118% | 1,987 |
| Core capital (leverage) ratio | 12.6063% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5100% | 1,260 |
| Memoranda: | ||
| Average total assets | $414,807,000 | 1,991 |
| Average earning assets | $375,218,500 | 2,017 |
| Average equity | $39,929,500 | 1,905 |
| Average total loans | $283,308,500 | 1,868 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 1,095 |
| Cost of funding earning assets | 0.6977% | 586 |
| Net interest margin | 3.5805% | 1,701 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4519% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1634% | 1,919 |
| Return on assets (ROA) | 1.2335% | 1,600 |
| Pretax return on assets | 1.4920% | 1,478 |
| Return on Equity (ROE) | 11.3700% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.6349% | 2,395 |
| Net charge-offs to loans | -0.0193% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5293% | 2,563 |
| Assets per employee ($millions) | 6.3378% | 2,476 |
| Cash dividends to net income (ytd only)* | 41.6233% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,125 |
| Loan loss allowance to noncurrent loans | 656.3077% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,010 |
| Noncurrent loans to loans | 0.1151% | 2,951 |
| Net loans and leases to total assets | 68.0300% | 1,827 |
| Net loans and leases to deposits | 80.7918% | 1,711 |
| Net loans and leases to core deposits | 85.1242% | 1,811 |
| Total domestic deposits to total assets | 84.2000% | 3,163 |
| Equity capital to assets | 9.5391% | 1,976 |
| Core capital (leverage) ratio | 13.1546% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2539% | 1,301 |
| Memoranda: | ||
| Average total assets | $389,535,000 | 2,064 |
| Average earning assets | $351,177,200 | 2,105 |
| Average equity | $42,276,400 | 1,848 |
| Average total loans | $248,597,200 | 1,948 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 943 |
| Cost of funding earning assets | 0.4046% | 1,252 |
| Net interest margin | 3.7649% | 1,008 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.4434% | 2,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3757% | 1,153 |
| Return on assets (ROA) | 1.4683% | 897 |
| Pretax return on assets | 1.8027% | 728 |
| Return on Equity (ROE) | 13.1000% | 1,670 |
| Retained earnings to average equity (ytd only) | 8.4545% | 1,834 |
| Net charge-offs to loans | -0.0250% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.1360% | 3,229 |
| Assets per employee ($millions) | 6.4861% | 2,330 |
| Cash dividends to net income (ytd only)* | 35.4778% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,047 |
| Loan loss allowance to noncurrent loans | 285.9060% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 2,327 |
| Noncurrent loans to loans | 0.2870% | 2,216 |
| Net loans and leases to total assets | 66.1600% | 1,871 |
| Net loans and leases to deposits | 76.3263% | 1,852 |
| Net loans and leases to core deposits | 77.8250% | 2,052 |
| Total domestic deposits to total assets | 86.6800% | 2,862 |
| Equity capital to assets | 10.1157% | 1,560 |
| Core capital (leverage) ratio | 13.3334% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8747% | 1,015 |
| Memoranda: | ||
| Average total assets | $383,929,500 | 2,104 |
| Average earning assets | $346,033,500 | 2,141 |
| Average equity | $43,021,250 | 1,847 |
| Average total loans | $240,149,000 | 1,994 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 831 |
| Cost of funding earning assets | 0.3208% | 1,521 |
| Net interest margin | 3.7440% | 845 |
| Noninterest income to average assets | 0.9273% | 793 |
| Noninterest expense to average assets | 2.4391% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5647% | 598 |
| Return on assets (ROA) | 1.5647% | 581 |
| Pretax return on assets | 1.8651% | 501 |
| Return on Equity (ROE) | 13.5174% | 1,239 |
| Retained earnings to average equity (ytd only) | 8.9965% | 1,288 |
| Net charge-offs to loans | -0.0188% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6687% | 3,708 |
| Assets per employee ($millions) | 5.2320% | 3,489 |
| Cash dividends to net income (ytd only)* | 33.4448% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,149 |
| Loan loss allowance to noncurrent loans | 170.4693% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 1,750 |
| Noncurrent loans to loans | 0.4783% | 1,682 |
| Net loans and leases to total assets | 65.3170% | 1,776 |
| Net loans and leases to deposits | 77.1375% | 1,596 |
| Net loans and leases to core deposits | 78.5255% | 1,816 |
| Total domestic deposits to total assets | 84.6761% | 3,554 |
| Equity capital to assets | 10.1616% | 1,619 |
| Core capital (leverage) ratio | 13.3936% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1169% | 976 |
| Memoranda: | ||
| Average total assets | $382,184,000 | 2,118 |
| Average earning assets | $344,710,333 | 2,164 |
| Average equity | $44,239,333 | 1,853 |
| Average total loans | $233,663,000 | 2,030 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 717 |
| Cost of funding earning assets | 0.3103% | 1,550 |
| Net interest margin | 3.7278% | 712 |
| Noninterest income to average assets | 0.4105% | 2,616 |
| Noninterest expense to average assets | 2.2775% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1648% | 1,342 |
| Return on assets (ROA) | 1.1648% | 1,338 |
| Pretax return on assets | 1.4978% | 1,023 |
| Return on Equity (ROE) | 9.4610% | 2,167 |
| Retained earnings to average equity (ytd only) | 5.1527% | 2,532 |
| Net charge-offs to loans | -0.0343% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3259% | 3,451 |
| Assets per employee ($millions) | 6.1065% | 2,704 |
| Cash dividends to net income (ytd only)* | 45.5373% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,969 |
| Loan loss allowance to noncurrent loans | 183.4350% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 1,903 |
| Noncurrent loans to loans | 0.5052% | 1,765 |
| Net loans and leases to total assets | 59.4091% | 2,128 |
| Net loans and leases to deposits | 68.0747% | 2,148 |
| Net loans and leases to core deposits | 69.3084% | 2,350 |
| Total domestic deposits to total assets | 87.2705% | 2,827 |
| Equity capital to assets | 11.6952% | 1,063 |
| Core capital (leverage) ratio | 13.1500% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1480% | 735 |
| Memoranda: | ||
| Average total assets | $377,076,000 | 2,145 |
| Average earning assets | $340,359,500 | 2,186 |
| Average equity | $46,422,000 | 1,841 |
| Average total loans | $221,289,000 | 2,094 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 1,323 |
| Cost of funding earning assets | 0.4314% | 1,316 |
| Net interest margin | 3.5856% | 1,509 |
| Noninterest income to average assets | 0.5060% | 2,535 |
| Noninterest expense to average assets | 2.4613% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0453% | 2,497 |
| Return on assets (ROA) | 1.0453% | 2,573 |
| Pretax return on assets | 1.3358% | 2,252 |
| Return on Equity (ROE) | 8.2223% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.6216% | 2,509 |
| Net charge-offs to loans | -0.0145% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8206% | 2,429 |
| Assets per employee ($millions) | 5.1445% | 3,606 |
| Cash dividends to net income (ytd only)* | 31.6296% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,883 |
| Loan loss allowance to noncurrent loans | 113.6240% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 1,365 |
| Noncurrent loans to loans | 0.8513% | 1,193 |
| Net loans and leases to total assets | 56.8406% | 2,500 |
| Net loans and leases to deposits | 65.8941% | 2,528 |
| Net loans and leases to core deposits | 67.4823% | 2,692 |
| Total domestic deposits to total assets | 86.2605% | 2,817 |
| Equity capital to assets | 12.9319% | 921 |
| Core capital (leverage) ratio | 13.0298% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8594% | 671 |
| Memoranda: | ||
| Average total assets | $378,056,600 | 2,070 |
| Average earning assets | $346,995,200 | 2,095 |
| Average equity | $48,064,200 | 1,818 |
| Average total loans | $214,360,600 | 2,140 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 1,501 |
| Cost of funding earning assets | 0.4656% | 1,245 |
| Net interest margin | 3.5498% | 1,733 |
| Noninterest income to average assets | 0.5116% | 2,575 |
| Noninterest expense to average assets | 2.4143% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0556% | 2,710 |
| Return on assets (ROA) | 1.0556% | 2,782 |
| Pretax return on assets | 1.3668% | 2,445 |
| Return on Equity (ROE) | 8.3382% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.2523% | 2,725 |
| Net charge-offs to loans | 0.0031% | 2,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 776.4000% | 205 |
| Efficiency ratio | 63.8514% | 2,408 |
| Assets per employee ($millions) | 5.7772% | 2,917 |
| Cash dividends to net income (ytd only)* | 25.0167% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,051 |
| Loan loss allowance to noncurrent loans | 123.9709% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,721 |
| Noncurrent loans to loans | 0.7542% | 1,489 |
| Net loans and leases to total assets | 56.9118% | 2,623 |
| Net loans and leases to deposits | 66.3934% | 2,594 |
| Net loans and leases to core deposits | 68.3935% | 2,743 |
| Total domestic deposits to total assets | 85.7190% | 2,861 |
| Equity capital to assets | 12.9107% | 1,005 |
| Core capital (leverage) ratio | 12.8132% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6268% | 730 |
| Memoranda: | ||
| Average total assets | $378,682,750 | 2,088 |
| Average earning assets | $348,776,000 | 2,105 |
| Average equity | $47,938,750 | 1,844 |
| Average total loans | $214,063,000 | 2,174 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 1,828 |
| Cost of funding earning assets | 0.5051% | 1,165 |
| Net interest margin | 3.3901% | 2,171 |
| Noninterest income to average assets | 0.5198% | 2,527 |
| Noninterest expense to average assets | 2.4234% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9523% | 3,057 |
| Return on assets (ROA) | 0.9523% | 3,142 |
| Pretax return on assets | 1.2302% | 2,829 |
| Return on Equity (ROE) | 7.5733% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.4684% | 3,009 |
| Net charge-offs to loans | -0.0047% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3286% | 2,101 |
| Assets per employee ($millions) | 5.9210% | 2,696 |
| Cash dividends to net income (ytd only)* | 27.7932% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,880 |
| Loan loss allowance to noncurrent loans | 315.7975% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 3,133 |
| Noncurrent loans to loans | 0.3108% | 2,811 |
| Net loans and leases to total assets | 53.9705% | 3,131 |
| Net loans and leases to deposits | 62.7938% | 3,125 |
| Net loans and leases to core deposits | 65.0433% | 3,190 |
| Total domestic deposits to total assets | 85.9487% | 2,757 |
| Equity capital to assets | 12.5336% | 1,116 |
| Core capital (leverage) ratio | 12.5902% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2963% | 591 |
| Memoranda: | ||
| Average total assets | $377,811,333 | 2,086 |
| Average earning assets | $349,257,333 | 2,094 |
| Average equity | $47,509,000 | 1,852 |
| Average total loans | $212,400,333 | 2,191 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 2,186 |
| Cost of funding earning assets | 0.5487% | 1,110 |
| Net interest margin | 3.2209% | 2,633 |
| Noninterest income to average assets | 0.5739% | 2,315 |
| Noninterest expense to average assets | 2.3854% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9137% | 3,094 |
| Return on assets (ROA) | 0.9137% | 3,169 |
| Pretax return on assets | 1.1809% | 2,897 |
| Return on Equity (ROE) | 7.2543% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.1332% | 3,182 |
| Net charge-offs to loans | -0.0037% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8864% | 2,099 |
| Assets per employee ($millions) | 5.7463% | 2,858 |
| Cash dividends to net income (ytd only)* | 29.2398% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,928 |
| Loan loss allowance to noncurrent loans | 775.8491% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,873 |
| Noncurrent loans to loans | 0.1261% | 3,677 |
| Net loans and leases to total assets | 54.8603% | 3,155 |
| Net loans and leases to deposits | 63.7087% | 3,151 |
| Net loans and leases to core deposits | 65.9655% | 3,242 |
| Total domestic deposits to total assets | 86.1112% | 2,694 |
| Equity capital to assets | 12.4278% | 1,106 |
| Core capital (leverage) ratio | 12.3984% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5409% | 476 |
| Memoranda: | ||
| Average total assets | $374,283,000 | 2,085 |
| Average earning assets | $347,730,000 | 2,090 |
| Average equity | $47,144,500 | 1,856 |
| Average total loans | $213,713,500 | 2,190 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 879 |
| Cost of funding earning assets | 0.9643% | 682 |
| Net interest margin | 3.7447% | 1,655 |
| Noninterest income to average assets | 1.8853% | 361 |
| Noninterest expense to average assets | 3.5595% | 637 |
| Loan and lease loss provision to assets | 0.3287% | 1,100 |
| Net operating income to assets | 1.2806% | 1,304 |
| Return on assets (ROA) | 1.2841% | 1,395 |
| Pretax return on assets | 1.4857% | 1,381 |
| Return on Equity (ROE) | 9.9338% | 2,027 |
| Retained earnings to average equity (ytd only) | 7.7244% | 1,138 |
| Net charge-offs to loans | 0.5124% | 307 |
| Credit loss provision to net charge-offs | 100.5240% | 2,812 |
| Earnings coverage of net charge-offs (x) | 5.5362% | 2,855 |
| Efficiency ratio | 66.2855% | 2,487 |
| Assets per employee ($millions) | 5.4310% | 2,917 |
| Cash dividends to net income (ytd only)* | 22.2420% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 4,057 |
| Loan loss allowance to noncurrent loans | 738.8489% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,961 |
| Noncurrent loans to loans | 0.1279% | 3,768 |
| Net loans and leases to total assets | 58.2860% | 3,053 |
| Net loans and leases to deposits | 67.9097% | 3,089 |
| Net loans and leases to core deposits | 70.6710% | 3,211 |
| Total domestic deposits to total assets | 85.8287% | 2,443 |
| Equity capital to assets | 12.7687% | 1,195 |
| Core capital (leverage) ratio | 12.6166% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1747% | 568 |
| Memoranda: | ||
| Average total assets | $350,134,400 | 2,052 |
| Average earning assets | $325,816,800 | 2,049 |
| Average equity | $45,259,400 | 1,841 |
| Average total loans | $223,473,600 | 2,085 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 663 |
| Cost of funding earning assets | 1.0584% | 622 |
| Net interest margin | 3.8934% | 1,367 |
| Noninterest income to average assets | 2.3362% | 262 |
| Noninterest expense to average assets | 3.8824% | 421 |
| Loan and lease loss provision to assets | 0.5870% | 436 |
| Net operating income to assets | 1.2037% | 1,622 |
| Return on assets (ROA) | 1.2081% | 1,741 |
| Pretax return on assets | 1.4953% | 1,457 |
| Return on Equity (ROE) | 9.3153% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.0825% | 1,655 |
| Net charge-offs to loans | 0.0036% | 3,042 |
| Credit loss provision to net charge-offs | 25,333.3333% | 49 |
| Earnings coverage of net charge-offs (x) | 896.5000% | 129 |
| Efficiency ratio | 65.1506% | 2,572 |
| Assets per employee ($millions) | 5.6614% | 2,567 |
| Cash dividends to net income (ytd only)* | 23.9693% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,062 |
| Loan loss allowance to noncurrent loans | 196.3616% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 2,255 |
| Noncurrent loans to loans | 0.8219% | 1,780 |
| Net loans and leases to total assets | 58.1107% | 3,404 |
| Net loans and leases to deposits | 68.8891% | 3,404 |
| Net loans and leases to core deposits | 72.1564% | 3,459 |
| Total domestic deposits to total assets | 84.3540% | 2,690 |
| Equity capital to assets | 12.3186% | 1,501 |
| Core capital (leverage) ratio | 12.3845% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6329% | 539 |
| Memoranda: | ||
| Average total assets | $345,340,500 | 2,051 |
| Average earning assets | $321,358,250 | 2,051 |
| Average equity | $44,785,250 | 1,846 |
| Average total loans | $225,014,500 | 2,065 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3960% | 406 |
| Cost of funding earning assets | 1.1213% | 669 |
| Net interest margin | 4.2747% | 796 |
| Noninterest income to average assets | 3.1503% | 156 |
| Noninterest expense to average assets | 4.6013% | 239 |
| Loan and lease loss provision to assets | 0.9288% | 237 |
| Net operating income to assets | 1.2914% | 1,378 |
| Return on assets (ROA) | 1.2914% | 1,491 |
| Pretax return on assets | 1.5969% | 1,229 |
| Return on Equity (ROE) | 9.7767% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.5230% | 1,455 |
| Net charge-offs to loans | -0.0115% | 4,240 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5614% | 2,737 |
| Assets per employee ($millions) | 5.4896% | 2,647 |
| Cash dividends to net income (ytd only)* | 23.0521% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 983 |
| Loan loss allowance to noncurrent loans | 970.7775% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,012 |
| Noncurrent loans to loans | 0.1660% | 3,791 |
| Net loans and leases to total assets | 61.9733% | 3,129 |
| Net loans and leases to deposits | 74.4983% | 3,028 |
| Net loans and leases to core deposits | 78.3593% | 3,079 |
| Total domestic deposits to total assets | 83.1876% | 3,035 |
| Equity capital to assets | 12.7171% | 1,275 |
| Core capital (leverage) ratio | 12.9626% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8838% | 785 |
| Memoranda: | ||
| Average total assets | $335,902,667 | 2,067 |
| Average earning assets | $312,493,333 | 2,060 |
| Average equity | $44,370,667 | 1,848 |
| Average total loans | $226,454,333 | 2,039 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2885% | 108 |
| Cost of funding earning assets | 1.2130% | 738 |
| Net interest margin | 5.0756% | 168 |
| Noninterest income to average assets | 5.6010% | 89 |
| Noninterest expense to average assets | 5.9366% | 151 |
| Loan and lease loss provision to assets | 1.8879% | 77 |
| Net operating income to assets | 1.9985% | 266 |
| Return on assets (ROA) | 1.9985% | 294 |
| Pretax return on assets | 2.4877% | 169 |
| Return on Equity (ROE) | 14.8266% | 572 |
| Retained earnings to average equity (ytd only) | 12.5470% | 367 |
| Net charge-offs to loans | -0.0176% | 4,294 |
| Credit loss provision to net charge-offs | -15,360.0000% | 4,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5685% | 4,060 |
| Assets per employee ($millions) | 4.5394% | 3,211 |
| Cash dividends to net income (ytd only)* | 15.3752% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,211 |
| Loan loss allowance to noncurrent loans | 990.0826% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,089 |
| Noncurrent loans to loans | 0.1558% | 3,901 |
| Net loans and leases to total assets | 67.3583% | 2,639 |
| Net loans and leases to deposits | 81.5205% | 2,518 |
| Net loans and leases to core deposits | 86.4148% | 2,646 |
| Total domestic deposits to total assets | 82.6275% | 3,227 |
| Equity capital to assets | 13.0257% | 1,415 |
| Core capital (leverage) ratio | 13.2708% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1694% | 958 |
| Memoranda: | ||
| Average total assets | $325,441,000 | 2,065 |
| Average earning assets | $302,073,000 | 2,063 |
| Average equity | $43,867,000 | 1,853 |
| Average total loans | $227,302,500 | 2,005 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 779 |
| Cost of funding earning assets | 1.2862% | 792 |
| Net interest margin | 4.0425% | 1,703 |
| Noninterest income to average assets | 1.9357% | 277 |
| Noninterest expense to average assets | 4.3010% | 377 |
| Loan and lease loss provision to assets | 0.5347% | 233 |
| Net operating income to assets | 0.7319% | 3,759 |
| Return on assets (ROA) | 0.7319% | 3,830 |
| Pretax return on assets | 0.8617% | 3,849 |
| Return on Equity (ROE) | 5.4230% | 4,097 |
| Retained earnings to average equity (ytd only) | 0.7899% | 4,463 |
| Net charge-offs to loans | 0.7660% | 217 |
| Credit loss provision to net charge-offs | 102.2727% | 2,421 |
| Earnings coverage of net charge-offs (x) | 2.6711% | 3,389 |
| Efficiency ratio | 75.4912% | 1,424 |
| Assets per employee ($millions) | 3.8324% | 4,118 |
| Cash dividends to net income (ytd only)* | 85.4336% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 3,864 |
| Loan loss allowance to noncurrent loans | 106.4449% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 1,245 |
| Noncurrent loans to loans | 0.8679% | 1,770 |
| Net loans and leases to total assets | 70.7536% | 2,282 |
| Net loans and leases to deposits | 86.4376% | 2,033 |
| Net loans and leases to core deposits | 90.7535% | 2,353 |
| Total domestic deposits to total assets | 81.8552% | 3,545 |
| Equity capital to assets | 13.9766% | 1,108 |
| Core capital (leverage) ratio | 13.8887% | 955 |
| Tier 1 risk-based capital ratio | 17.6467% | 1,852 |
| Total risk-based capital ratio | 18.4827% | 1,926 |
| Memoranda: | ||
| Average total assets | $319,832,000 | 2,039 |
| Average earning assets | $297,613,200 | 2,043 |
| Average equity | $43,168,200 | 1,813 |
| Average total loans | $218,268,800 | 2,041 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 846 |
| Cost of funding earning assets | 1.3092% | 762 |
| Net interest margin | 4.0004% | 1,939 |
| Noninterest income to average assets | 2.4553% | 207 |
| Noninterest expense to average assets | 4.7752% | 249 |
| Loan and lease loss provision to assets | 0.5512% | 218 |
| Net operating income to assets | 0.7221% | 3,938 |
| Return on assets (ROA) | 0.7221% | 4,006 |
| Pretax return on assets | 0.8579% | 3,982 |
| Return on Equity (ROE) | 5.3965% | 4,217 |
| Retained earnings to average equity (ytd only) | 0.7577% | 4,615 |
| Net charge-offs to loans | -0.0264% | 4,660 |
| Credit loss provision to net charge-offs | -3,097.6744% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2149% | 1,192 |
| Assets per employee ($millions) | 3.7610% | 4,207 |
| Cash dividends to net income (ytd only)* | 85.9598% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,275 |
| Loan loss allowance to noncurrent loans | 84.5827% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 612 |
| Noncurrent loans to loans | 1.7603% | 817 |
| Net loans and leases to total assets | 71.7469% | 2,212 |
| Net loans and leases to deposits | 88.4028% | 1,878 |
| Net loans and leases to core deposits | 92.5448% | 2,313 |
| Total domestic deposits to total assets | 81.1590% | 3,706 |
| Equity capital to assets | 13.8628% | 1,208 |
| Core capital (leverage) ratio | 13.7684% | 1,049 |
| Tier 1 risk-based capital ratio | 17.1345% | 2,041 |
| Total risk-based capital ratio | 18.3858% | 1,991 |
| Memoranda: | ||
| Average total assets | $322,183,750 | 2,032 |
| Average earning assets | $300,328,750 | 2,032 |
| Average equity | $43,113,500 | 1,825 |
| Average total loans | $217,414,750 | 2,060 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 742 |
| Cost of funding earning assets | 1.3526% | 639 |
| Net interest margin | 3.9919% | 1,947 |
| Noninterest income to average assets | 3.5008% | 128 |
| Noninterest expense to average assets | 5.3040% | 175 |
| Loan and lease loss provision to assets | 0.9167% | 106 |
| Net operating income to assets | 0.8423% | 3,502 |
| Return on assets (ROA) | 0.8423% | 3,556 |
| Pretax return on assets | 1.0082% | 3,519 |
| Return on Equity (ROE) | 6.3679% | 3,917 |
| Retained earnings to average equity (ytd only) | 1.7232% | 4,198 |
| Net charge-offs to loans | -0.0336% | 4,721 |
| Credit loss provision to net charge-offs | -4,144.4444% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3724% | 1,720 |
| Assets per employee ($millions) | 3.7024% | 4,243 |
| Cash dividends to net income (ytd only)* | 72.9395% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,008 |
| Loan loss allowance to noncurrent loans | 72.7684% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.9726% | 476 |
| Noncurrent loans to loans | 2.2138% | 608 |
| Net loans and leases to total assets | 69.4806% | 2,604 |
| Net loans and leases to deposits | 85.8729% | 2,271 |
| Net loans and leases to core deposits | 90.4418% | 2,560 |
| Total domestic deposits to total assets | 80.9109% | 3,843 |
| Equity capital to assets | 13.9525% | 1,133 |
| Core capital (leverage) ratio | 13.5698% | 1,089 |
| Tier 1 risk-based capital ratio | 17.6985% | 1,880 |
| Total risk-based capital ratio | 18.9508% | 1,835 |
| Memoranda: | ||
| Average total assets | $325,525,000 | 2,022 |
| Average earning assets | $304,014,330 | 2,013 |
| Average equity | $43,060,000 | 1,829 |
| Average total loans | $214,103,000 | 2,086 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5787% | 445 |
| Cost of funding earning assets | 1.4316% | 407 |
| Net interest margin | 4.1471% | 1,433 |
| Noninterest income to average assets | 5.7935% | 85 |
| Noninterest expense to average assets | 6.6205% | 115 |
| Loan and lease loss provision to assets | 1.7489% | 46 |
| Net operating income to assets | 1.0782% | 2,553 |
| Return on assets (ROA) | 1.0782% | 2,600 |
| Pretax return on assets | 1.3065% | 2,433 |
| Return on Equity (ROE) | 8.3649% | 3,090 |
| Retained earnings to average equity (ytd only) | 3.7022% | 3,442 |
| Net charge-offs to loans | -0.0625% | 4,894 |
| Credit loss provision to net charge-offs | -4,409.0909% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4224% | 2,580 |
| Assets per employee ($millions) | 3.9593% | 3,983 |
| Cash dividends to net income (ytd only)* | 55.7414% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 976 |
| Loan loss allowance to noncurrent loans | 104.9820% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 1,337 |
| Noncurrent loans to loans | 1.5661% | 1,017 |
| Net loans and leases to total assets | 65.2524% | 3,138 |
| Net loans and leases to deposits | 80.0668% | 2,831 |
| Net loans and leases to core deposits | 89.2700% | 2,581 |
| Total domestic deposits to total assets | 81.4974% | 3,856 |
| Equity capital to assets | 13.4745% | 1,218 |
| Core capital (leverage) ratio | 12.1302% | 1,698 |
| Tier 1 risk-based capital ratio | 18.1737% | 1,748 |
| Total risk-based capital ratio | 19.4265% | 1,698 |
| Memoranda: | ||
| Average total assets | $332,785,000 | 2,007 |
| Average earning assets | $311,543,500 | 1,994 |
| Average equity | $42,893,500 | 1,823 |
| Average total loans | $211,341,500 | 2,126 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 1,736 |
| Cost of funding earning assets | 0.7398% | 1,848 |
| Net interest margin | 3.9893% | 2,019 |
| Noninterest income to average assets | 4.8855% | 94 |
| Noninterest expense to average assets | 6.7645% | 110 |
| Loan and lease loss provision to assets | 0.3279% | 483 |
| Net operating income to assets | 1.3460% | 1,630 |
| Return on assets (ROA) | 1.3457% | 1,619 |
| Pretax return on assets | 1.5167% | 1,727 |
| Return on Equity (ROE) | 9.3183% | 2,828 |
| Retained earnings to average equity (ytd only) | 0.0510% | 4,974 |
| Net charge-offs to loans | 0.4775% | 380 |
| Credit loss provision to net charge-offs | 106.6376% | 2,400 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,133 |
| Efficiency ratio | 78.5706% | 1,077 |
| Assets per employee ($millions) | 4.4214% | 3,282 |
| Cash dividends to net income (ytd only)* | 99.4530% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,928 |
| Loan loss allowance to noncurrent loans | 66.5122% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8763% | 1,589 |
| Noncurrent loans to loans | 1.4396% | 1,074 |
| Net loans and leases to total assets | 60.2867% | 3,743 |
| Net loans and leases to deposits | 72.3485% | 3,638 |
| Net loans and leases to core deposits | 93.9367% | 2,231 |
| Total domestic deposits to total assets | 83.3282% | 3,218 |
| Equity capital to assets | 12.3450% | 1,670 |
| Core capital (leverage) ratio | 14.2114% | 865 |
| Tier 1 risk-based capital ratio | 18.1752% | 1,708 |
| Total risk-based capital ratio | 19.0270% | 1,774 |
| Memoranda: | ||
| Average total assets | $298,867,000 | 2,167 |
| Average earning assets | $278,996,800 | 2,142 |
| Average equity | $43,162,200 | 1,735 |
| Average total loans | $192,461,400 | 2,228 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 1,412 |
| Cost of funding earning assets | 0.6086% | 2,414 |
| Net interest margin | 4.1966% | 1,366 |
| Noninterest income to average assets | 6.6005% | 77 |
| Noninterest expense to average assets | 8.5102% | 83 |
| Loan and lease loss provision to assets | 0.5034% | 224 |
| Net operating income to assets | 1.2392% | 2,089 |
| Return on assets (ROA) | 1.2388% | 2,091 |
| Pretax return on assets | 1.4958% | 1,910 |
| Return on Equity (ROE) | 8.2197% | 3,458 |
| Retained earnings to average equity (ytd only) | -2.5552% | 5,229 |
| Net charge-offs to loans | -0.0170% | 4,580 |
| Credit loss provision to net charge-offs | -4,520.8333% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9730% | 863 |
| Assets per employee ($millions) | 3.8476% | 4,111 |
| Cash dividends to net income (ytd only)* | 131.0862% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 1,416 |
| Loan loss allowance to noncurrent loans | 179.6710% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,434 |
| Noncurrent loans to loans | 0.8236% | 2,058 |
| Net loans and leases to total assets | 69.6283% | 2,704 |
| Net loans and leases to deposits | 87.4664% | 2,217 |
| Net loans and leases to core deposits | 92.1732% | 2,463 |
| Total domestic deposits to total assets | 79.6057% | 4,197 |
| Equity capital to assets | 14.2145% | 897 |
| Core capital (leverage) ratio | 14.5525% | 808 |
| Tier 1 risk-based capital ratio | 18.1601% | 1,755 |
| Total risk-based capital ratio | 19.3019% | 1,734 |
| Memoranda: | ||
| Average total assets | $287,366,500 | 2,235 |
| Average earning assets | $267,700,500 | 2,224 |
| Average equity | $43,309,250 | 1,726 |
| Average total loans | $188,096,750 | 2,271 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 1,493 |
| Cost of funding earning assets | 0.5551% | 2,569 |
| Net interest margin | 4.1504% | 1,411 |
| Noninterest income to average assets | 9.6121% | 55 |
| Noninterest expense to average assets | 10.7574% | 59 |
| Loan and lease loss provision to assets | 0.7379% | 130 |
| Net operating income to assets | 1.6326% | 841 |
| Return on assets (ROA) | 1.6326% | 846 |
| Pretax return on assets | 1.9903% | 613 |
| Return on Equity (ROE) | 10.6265% | 2,268 |
| Retained earnings to average equity (ytd only) | 10.6265% | 759 |
| Net charge-offs to loans | -0.0055% | 4,127 |
| Credit loss provision to net charge-offs | -21,080.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7695% | 1,037 |
| Assets per employee ($millions) | 3.5570% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,154 |
| Loan loss allowance to noncurrent loans | 452.3308% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,848 |
| Noncurrent loans to loans | 0.3502% | 3,444 |
| Net loans and leases to total assets | 64.8621% | 3,297 |
| Net loans and leases to deposits | 89.7689% | 1,867 |
| Net loans and leases to core deposits | 91.2037% | 2,468 |
| Total domestic deposits to total assets | 72.2545% | 5,163 |
| Equity capital to assets | 15.5748% | 582 |
| Core capital (leverage) ratio | 15.6612% | 546 |
| Tier 1 risk-based capital ratio | 20.9744% | 1,177 |
| Total risk-based capital ratio | 22.2263% | 1,152 |
| Memoranda: | ||
| Average total assets | $285,682,000 | 2,252 |
| Average earning assets | $266,625,330 | 2,237 |
| Average equity | $43,890,330 | 1,709 |
| Average total loans | $181,907,330 | 2,338 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,416 |
| Cost of funding earning assets | 0.5211% | 2,621 |
| Net interest margin | 4.1359% | 1,349 |
| Noninterest income to average assets | 14.9559% | 45 |
| Noninterest expense to average assets | 14.8504% | 47 |
| Loan and lease loss provision to assets | 1.4680% | 52 |
| Net operating income to assets | 2.0178% | 360 |
| Return on assets (ROA) | 2.0178% | 360 |
| Pretax return on assets | 2.5100% | 207 |
| Return on Equity (ROE) | 13.2263% | 1,201 |
| Retained earnings to average equity (ytd only) | 13.2263% | 491 |
| Net charge-offs to loans | -0.0112% | 4,296 |
| Credit loss provision to net charge-offs | -20,880.0000% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8723% | 1,268 |
| Assets per employee ($millions) | 4.1979% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 1,103 |
| Loan loss allowance to noncurrent loans | 425.8523% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 3,952 |
| Noncurrent loans to loans | 0.3815% | 3,416 |
| Net loans and leases to total assets | 59.2353% | 3,829 |
| Net loans and leases to deposits | 77.3550% | 3,077 |
| Net loans and leases to core deposits | 81.3854% | 3,202 |
| Total domestic deposits to total assets | 76.5759% | 4,910 |
| Equity capital to assets | 14.3463% | 808 |
| Core capital (leverage) ratio | 13.6828% | 953 |
| Tier 1 risk-based capital ratio | 21.6972% | 1,102 |
| Total risk-based capital ratio | 22.9499% | 1,069 |
| Memoranda: | ||
| Average total assets | $284,463,500 | 2,284 |
| Average earning assets | $266,352,500 | 2,260 |
| Average equity | $43,398,500 | 1,730 |
| Average total loans | $177,917,000 | 2,384 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 1,514 |
| Cost of funding earning assets | 0.3963% | 3,291 |
| Net interest margin | 4.1735% | 1,245 |
| Noninterest income to average assets | 2.6316% | 206 |
| Noninterest expense to average assets | 5.1177% | 207 |
| Loan and lease loss provision to assets | 0.0617% | 2,993 |
| Net operating income to assets | 0.9736% | 2,353 |
| Return on assets (ROA) | 0.9755% | 2,388 |
| Pretax return on assets | 1.3676% | 2,102 |
| Return on Equity (ROE) | 6.1943% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.1943% | 1,443 |
| Net charge-offs to loans | 0.0639% | 2,562 |
| Credit loss provision to net charge-offs | 157.1429% | 1,702 |
| Earnings coverage of net charge-offs (x) | 36.3143% | 1,347 |
| Efficiency ratio | 78.1990% | 1,317 |
| Assets per employee ($millions) | 3.4997% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,131 |
| Loan loss allowance to noncurrent loans | 235.1025% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 3,611 |
| Noncurrent loans to loans | 0.4839% | 3,067 |
| Net loans and leases to total assets | 64.5239% | 3,300 |
| Net loans and leases to deposits | 87.0818% | 2,121 |
| Net loans and leases to core deposits | 88.6814% | 2,673 |
| Total domestic deposits to total assets | 74.0957% | 5,176 |
| Equity capital to assets | 16.3187% | 478 |
| Core capital (leverage) ratio | 16.0905% | 465 |
| Tier 1 risk-based capital ratio | 23.1556% | 895 |
| Total risk-based capital ratio | 24.2084% | 900 |
| Memoranda: | ||
| Average total assets | $267,247,400 | 2,361 |
| Average earning assets | $250,556,600 | 2,345 |
| Average equity | $42,087,400 | 1,769 |
| Average total loans | $164,366,600 | 2,492 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 1,612 |
| Cost of funding earning assets | 0.3660% | 3,498 |
| Net interest margin | 4.1449% | 1,287 |
| Noninterest income to average assets | 3.3695% | 164 |
| Noninterest expense to average assets | 5.4337% | 184 |
| Loan and lease loss provision to assets | 0.1286% | 1,683 |
| Net operating income to assets | 1.2082% | 1,659 |
| Return on assets (ROA) | 1.2089% | 1,689 |
| Pretax return on assets | 1.7002% | 1,124 |
| Return on Equity (ROE) | 7.7450% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.7450% | 1,325 |
| Net charge-offs to loans | -0.0508% | 5,167 |
| Credit loss provision to net charge-offs | -417.7419% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8290% | 1,770 |
| Assets per employee ($millions) | 3.5774% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,274 |
| Loan loss allowance to noncurrent loans | 251.4221% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,745 |
| Noncurrent loans to loans | 0.5243% | 3,128 |
| Net loans and leases to total assets | 61.6678% | 3,688 |
| Net loans and leases to deposits | 83.8333% | 2,576 |
| Net loans and leases to core deposits | 85.3477% | 3,022 |
| Total domestic deposits to total assets | 73.5600% | 5,274 |
| Equity capital to assets | 16.0983% | 524 |
| Core capital (leverage) ratio | 16.1009% | 483 |
| Tier 1 risk-based capital ratio | 23.8814% | 861 |
| Total risk-based capital ratio | 25.1176% | 845 |
| Memoranda: | ||
| Average total assets | $268,439,750 | 2,373 |
| Average earning assets | $252,063,500 | 2,354 |
| Average equity | $41,901,000 | 1,793 |
| Average total loans | $162,630,750 | 2,525 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 1,627 |
| Cost of funding earning assets | 0.3382% | 3,714 |
| Net interest margin | 4.1212% | 1,267 |
| Noninterest income to average assets | 4.7861% | 119 |
| Noninterest expense to average assets | 6.3363% | 143 |
| Loan and lease loss provision to assets | 0.1929% | 963 |
| Net operating income to assets | 1.5017% | 861 |
| Return on assets (ROA) | 1.5032% | 884 |
| Pretax return on assets | 2.1357% | 413 |
| Return on Equity (ROE) | 9.7322% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.7322% | 636 |
| Net charge-offs to loans | -0.0621% | 5,258 |
| Credit loss provision to net charge-offs | -518.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1447% | 2,163 |
| Assets per employee ($millions) | 3.7334% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,047 |
| Loan loss allowance to noncurrent loans | 297.0270% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,005 |
| Noncurrent loans to loans | 0.4640% | 3,348 |
| Net loans and leases to total assets | 59.3344% | 3,900 |
| Net loans and leases to deposits | 80.2219% | 2,887 |
| Net loans and leases to core deposits | 81.5636% | 3,289 |
| Total domestic deposits to total assets | 73.9629% | 5,294 |
| Equity capital to assets | 16.1435% | 519 |
| Core capital (leverage) ratio | 15.7391% | 513 |
| Tier 1 risk-based capital ratio | 24.9257% | 758 |
| Total risk-based capital ratio | 26.1762% | 741 |
| Memoranda: | ||
| Average total assets | $268,485,670 | 2,379 |
| Average earning assets | $252,545,330 | 2,365 |
| Average equity | $41,470,670 | 1,806 |
| Average total loans | $160,952,330 | 2,549 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 1,740 |
| Cost of funding earning assets | 0.3115% | 3,929 |
| Net interest margin | 4.0614% | 1,319 |
| Noninterest income to average assets | 7.8348% | 77 |
| Noninterest expense to average assets | 8.2755% | 96 |
| Loan and lease loss provision to assets | 0.7879% | 124 |
| Net operating income to assets | 1.7707% | 474 |
| Return on assets (ROA) | 1.7747% | 482 |
| Pretax return on assets | 2.6279% | 181 |
| Return on Equity (ROE) | 11.8730% | 1,277 |
| Retained earnings to average equity (ytd only) | 11.8730% | 484 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8190% | 2,775 |
| Assets per employee ($millions) | 3.9728% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,829 |
| Loan loss allowance to noncurrent loans | 290.5162% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 4,000 |
| Noncurrent loans to loans | 0.5025% | 3,301 |
| Net loans and leases to total assets | 58.7426% | 3,912 |
| Net loans and leases to deposits | 77.8987% | 2,981 |
| Net loans and leases to core deposits | 78.9220% | 3,396 |
| Total domestic deposits to total assets | 75.4089% | 5,297 |
| Equity capital to assets | 14.7695% | 694 |
| Core capital (leverage) ratio | 14.3432% | 755 |
| Tier 1 risk-based capital ratio | 23.2934% | 939 |
| Total risk-based capital ratio | 24.5451% | 927 |
| Memoranda: | ||
| Average total assets | $269,567,500 | 2,404 |
| Average earning assets | $255,577,500 | 2,349 |
| Average equity | $40,293,000 | 1,858 |
| Average total loans | $161,690,000 | 2,556 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 1,643 |
| Cost of funding earning assets | 0.3163% | 3,887 |
| Net interest margin | 4.1511% | 1,239 |
| Noninterest income to average assets | 2.8802% | 215 |
| Noninterest expense to average assets | 4.5838% | 348 |
| Loan and lease loss provision to assets | 0.1666% | 1,476 |
| Net operating income to assets | 1.4485% | 921 |
| Return on assets (ROA) | 1.4445% | 952 |
| Pretax return on assets | 2.0500% | 447 |
| Return on Equity (ROE) | 9.8277% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.8277% | 436 |
| Net charge-offs to loans | 0.3106% | 887 |
| Credit loss provision to net charge-offs | 95.6140% | 2,686 |
| Earnings coverage of net charge-offs (x) | 12.7566% | 2,425 |
| Efficiency ratio | 67.3477% | 3,377 |
| Assets per employee ($millions) | 3.8388% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,136 |
| Loan loss allowance to noncurrent loans | 293.7792% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 4,218 |
| Noncurrent loans to loans | 0.4080% | 3,684 |
| Net loans and leases to total assets | 59.6511% | 3,893 |
| Net loans and leases to deposits | 81.5383% | 2,721 |
| Net loans and leases to core deposits | 83.0057% | 3,126 |
| Total domestic deposits to total assets | 73.1572% | 5,491 |
| Equity capital to assets | 15.0089% | 644 |
| Core capital (leverage) ratio | 15.3903% | 545 |
| Tier 1 risk-based capital ratio | 24.0832% | 859 |
| Total risk-based capital ratio | 25.2376% | 848 |
| Memoranda: | ||
| Average total assets | $261,750,600 | 2,423 |
| Average earning assets | $247,549,400 | 2,380 |
| Average equity | $38,473,000 | 1,911 |
| Average total loans | $146,795,000 | 2,681 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 1,863 |
| Cost of funding earning assets | 0.3182% | 3,893 |
| Net interest margin | 4.0811% | 1,433 |
| Noninterest income to average assets | 3.6808% | 163 |
| Noninterest expense to average assets | 5.2166% | 233 |
| Loan and lease loss provision to assets | 0.2352% | 829 |
| Net operating income to assets | 1.4666% | 942 |
| Return on assets (ROA) | 1.4609% | 1,003 |
| Pretax return on assets | 2.0799% | 483 |
| Return on Equity (ROE) | 9.9920% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.9920% | 577 |
| Net charge-offs to loans | 0.4580% | 462 |
| Credit loss provision to net charge-offs | 93.3333% | 2,482 |
| Earnings coverage of net charge-offs (x) | 9.2202% | 2,691 |
| Efficiency ratio | 69.1871% | 3,018 |
| Assets per employee ($millions) | 3.8903% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,907 |
| Loan loss allowance to noncurrent loans | 171.4808% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 3,550 |
| Noncurrent loans to loans | 0.7339% | 2,836 |
| Net loans and leases to total assets | 57.3251% | 4,162 |
| Net loans and leases to deposits | 73.6043% | 3,631 |
| Net loans and leases to core deposits | 74.6802% | 3,953 |
| Total domestic deposits to total assets | 77.8828% | 4,932 |
| Equity capital to assets | 15.3875% | 650 |
| Core capital (leverage) ratio | 14.5637% | 706 |
| Tier 1 risk-based capital ratio | 25.9194% | 722 |
| Total risk-based capital ratio | 27.1697% | 703 |
| Memoranda: | ||
| Average total assets | $261,928,750 | 2,427 |
| Average earning assets | $247,674,250 | 2,390 |
| Average equity | $38,296,500 | 1,921 |
| Average total loans | $144,093,500 | 2,720 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 1,952 |
| Cost of funding earning assets | 0.3154% | 3,957 |
| Net interest margin | 4.0435% | 1,517 |
| Noninterest income to average assets | 5.2372% | 115 |
| Noninterest expense to average assets | 6.1938% | 160 |
| Loan and lease loss provision to assets | 0.2602% | 727 |
| Net operating income to assets | 1.8106% | 468 |
| Return on assets (ROA) | 1.8031% | 498 |
| Pretax return on assets | 2.5943% | 194 |
| Return on Equity (ROE) | 12.5461% | 1,153 |
| Retained earnings to average equity (ytd only) | 12.5461% | 270 |
| Net charge-offs to loans | -0.0674% | 5,479 |
| Credit loss provision to net charge-offs | -714.5833% | 5,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3721% | 3,264 |
| Assets per employee ($millions) | 3.7626% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,703 |
| Loan loss allowance to noncurrent loans | 201.7544% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 3,575 |
| Noncurrent loans to loans | 0.7652% | 2,830 |
| Net loans and leases to total assets | 55.6892% | 4,347 |
| Net loans and leases to deposits | 71.4030% | 3,844 |
| Net loans and leases to core deposits | 72.3276% | 4,143 |
| Total domestic deposits to total assets | 77.9929% | 5,002 |
| Equity capital to assets | 14.8753% | 761 |
| Core capital (leverage) ratio | 14.6778% | 673 |
| Tier 1 risk-based capital ratio | 26.4219% | 698 |
| Total risk-based capital ratio | 27.6761% | 680 |
| Memoranda: | ||
| Average total assets | $263,651,670 | 2,431 |
| Average earning assets | $249,193,000 | 2,386 |
| Average equity | $37,892,330 | 1,945 |
| Average total loans | $142,436,670 | 2,745 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,132 |
| Cost of funding earning assets | 0.3241% | 3,906 |
| Net interest margin | 3.9779% | 1,682 |
| Noninterest income to average assets | 8.8981% | 66 |
| Noninterest expense to average assets | 8.0338% | 108 |
| Loan and lease loss provision to assets | 0.3745% | 383 |
| Net operating income to assets | 2.8945% | 108 |
| Return on assets (ROA) | 2.8811% | 109 |
| Pretax return on assets | 4.2292% | 68 |
| Return on Equity (ROE) | 20.4032% | 218 |
| Retained earnings to average equity (ytd only) | 20.4032% | 84 |
| Net charge-offs to loans | -0.0086% | 4,464 |
| Credit loss provision to net charge-offs | -8,233.3333% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4719% | 4,223 |
| Assets per employee ($millions) | 3.8906% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,923 |
| Loan loss allowance to noncurrent loans | 162.6978% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 3,286 |
| Noncurrent loans to loans | 0.9304% | 2,523 |
| Net loans and leases to total assets | 52.3276% | 4,602 |
| Net loans and leases to deposits | 65.0686% | 4,335 |
| Net loans and leases to core deposits | 65.9456% | 4,538 |
| Total domestic deposits to total assets | 80.4191% | 4,658 |
| Equity capital to assets | 14.2890% | 888 |
| Core capital (leverage) ratio | 13.0288% | 1,147 |
| Tier 1 risk-based capital ratio | 27.6984% | 632 |
| Total risk-based capital ratio | 28.9524% | 617 |
| Memoranda: | ||
| Average total assets | $263,786,000 | 2,441 |
| Average earning assets | $249,278,500 | 2,393 |
| Average equity | $37,249,000 | 1,973 |
| Average total loans | $139,167,000 | 2,800 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 2,900 |
| Cost of funding earning assets | 0.3128% | 4,101 |
| Net interest margin | 3.7908% | 2,408 |
| Noninterest income to average assets | 2.7708% | 235 |
| Noninterest expense to average assets | 4.3940% | 437 |
| Loan and lease loss provision to assets | -0.0007% | 5,596 |
| Net operating income to assets | 1.3887% | 1,055 |
| Return on assets (ROA) | 1.4173% | 1,048 |
| Pretax return on assets | 2.0114% | 526 |
| Return on Equity (ROE) | 7.7251% | 3,122 |
| Retained earnings to average equity (ytd only) | -32.0745% | 6,150 |
| Net charge-offs to loans | 0.2835% | 1,070 |
| Credit loss provision to net charge-offs | -0.5141% | 4,910 |
| Earnings coverage of net charge-offs (x) | 13.8689% | 2,340 |
| Efficiency ratio | 69.0476% | 3,391 |
| Assets per employee ($millions) | 4.1075% | 3,744 |
| Cash dividends to net income (ytd only)* | 515.1984% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 2,388 |
| Loan loss allowance to noncurrent loans | 145.7252% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 2,918 |
| Noncurrent loans to loans | 0.9654% | 2,403 |
| Net loans and leases to total assets | 51.7025% | 4,716 |
| Net loans and leases to deposits | 67.2413% | 4,195 |
| Net loans and leases to core deposits | 68.1368% | 4,443 |
| Total domestic deposits to total assets | 76.8909% | 5,332 |
| Equity capital to assets | 13.8310% | 992 |
| Core capital (leverage) ratio | 13.0667% | 1,125 |
| Tier 1 risk-based capital ratio | 27.5528% | 625 |
| Total risk-based capital ratio | 28.8055% | 612 |
| Memoranda: | ||
| Average total assets | $273,894,000 | 2,309 |
| Average earning assets | $259,600,600 | 2,269 |
| Average equity | $50,251,800 | 1,482 |
| Average total loans | $137,222,000 | 2,764 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,153 |
| Cost of funding earning assets | 0.3088% | 4,240 |
| Net interest margin | 3.7346% | 2,629 |
| Noninterest income to average assets | 3.4332% | 182 |
| Noninterest expense to average assets | 4.6946% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5877% | 791 |
| Return on assets (ROA) | 1.6254% | 755 |
| Pretax return on assets | 2.3351% | 321 |
| Return on Equity (ROE) | 8.3785% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.3785% | 1,097 |
| Net charge-offs to loans | 0.1889% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.3644% | 1,695 |
| Efficiency ratio | 67.2976% | 3,664 |
| Assets per employee ($millions) | 4.0610% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 2,033 |
| Loan loss allowance to noncurrent loans | 144.3759% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 2,834 |
| Noncurrent loans to loans | 1.0598% | 2,359 |
| Net loans and leases to total assets | 49.0550% | 5,013 |
| Net loans and leases to deposits | 67.3521% | 4,254 |
| Net loans and leases to core deposits | 68.2376% | 4,523 |
| Total domestic deposits to total assets | 72.8337% | 5,803 |
| Equity capital to assets | 19.9764% | 235 |
| Core capital (leverage) ratio | 19.9700% | 209 |
| Tier 1 risk-based capital ratio | 42.6523% | 218 |
| Total risk-based capital ratio | 43.9073% | 213 |
| Memoranda: | ||
| Average total assets | $277,674,250 | 2,303 |
| Average earning assets | $263,403,250 | 2,260 |
| Average equity | $53,867,000 | 1,391 |
| Average total loans | $137,602,250 | 2,773 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,072 |
| Cost of funding earning assets | 0.3090% | 4,293 |
| Net interest margin | 3.7411% | 2,541 |
| Noninterest income to average assets | 4.9112% | 131 |
| Noninterest expense to average assets | 5.3390% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1335% | 293 |
| Return on assets (ROA) | 2.1892% | 279 |
| Pretax return on assets | 3.2051% | 117 |
| Return on Equity (ROE) | 11.3972% | 1,561 |
| Retained earnings to average equity (ytd only) | 11.3972% | 457 |
| Net charge-offs to loans | 0.2471% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.5529% | 1,517 |
| Efficiency ratio | 63.0926% | 4,504 |
| Assets per employee ($millions) | 4.2500% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,942 |
| Loan loss allowance to noncurrent loans | 120.6116% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 2,581 |
| Noncurrent loans to loans | 1.3177% | 2,041 |
| Net loans and leases to total assets | 48.4881% | 5,053 |
| Net loans and leases to deposits | 65.0489% | 4,434 |
| Net loans and leases to core deposits | 65.8130% | 4,672 |
| Total domestic deposits to total assets | 74.5409% | 5,743 |
| Equity capital to assets | 20.0411% | 225 |
| Core capital (leverage) ratio | 19.4405% | 225 |
| Tier 1 risk-based capital ratio | 43.0590% | 217 |
| Total risk-based capital ratio | 44.3142% | 214 |
| Memoranda: | ||
| Average total assets | $278,182,000 | 2,318 |
| Average earning assets | $264,041,670 | 2,274 |
| Average equity | $53,434,330 | 1,417 |
| Average total loans | $137,612,670 | 2,781 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,255 |
| Cost of funding earning assets | 0.3088% | 4,340 |
| Net interest margin | 3.6836% | 2,682 |
| Noninterest income to average assets | 8.3904% | 86 |
| Noninterest expense to average assets | 7.6609% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.8525% | 94 |
| Return on assets (ROA) | 2.9637% | 94 |
| Pretax return on assets | 4.3872% | 76 |
| Return on Equity (ROE) | 15.7594% | 597 |
| Retained earnings to average equity (ytd only) | 15.7594% | 231 |
| Net charge-offs to loans | 0.1722% | 1,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 842 |
| Efficiency ratio | 64.4609% | 4,407 |
| Assets per employee ($millions) | 4.5340% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 1,936 |
| Loan loss allowance to noncurrent loans | 105.4614% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 2,579 |
| Noncurrent loans to loans | 1.5498% | 1,812 |
| Net loans and leases to total assets | 47.1942% | 5,112 |
| Net loans and leases to deposits | 62.7139% | 4,507 |
| Net loans and leases to core deposits | 63.4833% | 4,743 |
| Total domestic deposits to total assets | 75.2532% | 5,805 |
| Equity capital to assets | 18.9434% | 267 |
| Core capital (leverage) ratio | 17.2589% | 339 |
| Tier 1 risk-based capital ratio | 41.3861% | 242 |
| Total risk-based capital ratio | 42.6420% | 241 |
| Memoranda: | ||
| Average total assets | $281,272,500 | 2,309 |
| Average earning assets | $266,801,000 | 2,272 |
| Average equity | $52,895,500 | 1,433 |
| Average total loans | $139,410,000 | 2,762 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,094 |
| Cost of funding earning assets | 0.3283% | 4,512 |
| Net interest margin | 3.8297% | 2,512 |
| Noninterest income to average assets | 2.6330% | 225 |
| Noninterest expense to average assets | 4.1431% | 645 |
| Loan and lease loss provision to assets | -0.0299% | 5,967 |
| Net operating income to assets | 1.5057% | 867 |
| Return on assets (ROA) | 1.5055% | 904 |
| Pretax return on assets | 2.1690% | 344 |
| Return on Equity (ROE) | 8.6171% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.6171% | 793 |
| Net charge-offs to loans | 0.0384% | 4,061 |
| Credit loss provision to net charge-offs | -152.7273% | 5,577 |
| Earnings coverage of net charge-offs (x) | 109.4000% | 481 |
| Efficiency ratio | 65.9460% | 4,261 |
| Assets per employee ($millions) | 4.2607% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 2,023 |
| Loan loss allowance to noncurrent loans | 131.1288% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 2,816 |
| Noncurrent loans to loans | 1.2372% | 2,382 |
| Net loans and leases to total assets | 50.3609% | 4,936 |
| Net loans and leases to deposits | 69.2090% | 4,004 |
| Net loans and leases to core deposits | 70.0238% | 4,327 |
| Total domestic deposits to total assets | 72.7664% | 6,034 |
| Equity capital to assets | 18.5849% | 284 |
| Core capital (leverage) ratio | 18.8310% | 253 |
| Tier 1 risk-based capital ratio | 39.2932% | 248 |
| Total risk-based capital ratio | 40.5498% | 245 |
| Memoranda: | ||
| Average total assets | $281,241,000 | 2,268 |
| Average earning assets | $268,010,400 | 2,210 |
| Average equity | $49,135,000 | 1,466 |
| Average total loans | $143,387,800 | 2,663 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 3,292 |
| Cost of funding earning assets | 0.3303% | 4,559 |
| Net interest margin | 3.7907% | 2,655 |
| Noninterest income to average assets | 3.3853% | 168 |
| Noninterest expense to average assets | 4.5126% | 457 |
| Loan and lease loss provision to assets | -0.0453% | 6,174 |
| Net operating income to assets | 1.7681% | 540 |
| Return on assets (ROA) | 1.7668% | 558 |
| Pretax return on assets | 2.5366% | 198 |
| Return on Equity (ROE) | 10.2734% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.2734% | 637 |
| Net charge-offs to loans | 0.0065% | 4,476 |
| Credit loss provision to net charge-offs | -1,371.4286% | 5,921 |
| Earnings coverage of net charge-offs (x) | 754.3934% | 95 |
| Efficiency ratio | 64.4128% | 4,480 |
| Assets per employee ($millions) | 4.3399% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 2,100 |
| Loan loss allowance to noncurrent loans | 133.1054% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 2,908 |
| Noncurrent loans to loans | 1.2466% | 2,557 |
| Net loans and leases to total assets | 50.6375% | 4,930 |
| Net loans and leases to deposits | 67.0504% | 4,232 |
| Net loans and leases to core deposits | 67.9031% | 4,517 |
| Total domestic deposits to total assets | 75.5215% | 5,869 |
| Equity capital to assets | 18.5223% | 301 |
| Core capital (leverage) ratio | 18.3868% | 278 |
| Tier 1 risk-based capital ratio | 39.6721% | 247 |
| Total risk-based capital ratio | 40.9289% | 246 |
| Memoranda: | ||
| Average total assets | $282,315,000 | 2,271 |
| Average earning assets | $269,636,250 | 2,213 |
| Average equity | $48,551,250 | 1,485 |
| Average total loans | $143,791,750 | 2,676 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,501 |
| Cost of funding earning assets | 0.3309% | 4,634 |
| Net interest margin | 3.7299% | 2,843 |
| Noninterest income to average assets | 4.8303% | 126 |
| Noninterest expense to average assets | 5.3302% | 254 |
| Loan and lease loss provision to assets | -0.0666% | 6,329 |
| Net operating income to assets | 2.1527% | 251 |
| Return on assets (ROA) | 2.1523% | 265 |
| Pretax return on assets | 3.1302% | 105 |
| Return on Equity (ROE) | 12.8307% | 1,225 |
| Retained earnings to average equity (ytd only) | 12.8307% | 351 |
| Net charge-offs to loans | -0.0373% | 5,762 |
| Credit loss provision to net charge-offs | 351.8519% | 760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4959% | 4,771 |
| Assets per employee ($millions) | 4.4158% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 2,147 |
| Loan loss allowance to noncurrent loans | 128.0238% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 2,977 |
| Noncurrent loans to loans | 1.3231% | 2,599 |
| Net loans and leases to total assets | 49.4628% | 5,020 |
| Net loans and leases to deposits | 65.0367% | 4,373 |
| Net loans and leases to core deposits | 65.8417% | 4,656 |
| Total domestic deposits to total assets | 76.0537% | 5,908 |
| Equity capital to assets | 17.9016% | 330 |
| Core capital (leverage) ratio | 17.4152% | 333 |
| Tier 1 risk-based capital ratio | 39.6871% | 249 |
| Total risk-based capital ratio | 40.9446% | 246 |
| Memoranda: | ||
| Average total assets | $285,281,330 | 2,253 |
| Average earning assets | $272,608,670 | 2,192 |
| Average equity | $47,854,000 | 1,501 |
| Average total loans | $144,793,330 | 2,662 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,705 |
| Cost of funding earning assets | 0.3321% | 4,716 |
| Net interest margin | 3.6633% | 3,010 |
| Noninterest income to average assets | 7.8497% | 78 |
| Noninterest expense to average assets | 7.0742% | 136 |
| Loan and lease loss provision to assets | -0.1274% | 6,515 |
| Net operating income to assets | 3.0011% | 98 |
| Return on assets (ROA) | 3.0011% | 100 |
| Pretax return on assets | 4.4013% | 74 |
| Return on Equity (ROE) | 18.4896% | 399 |
| Retained earnings to average equity (ytd only) | 18.4896% | 162 |
| Net charge-offs to loans | -0.1359% | 6,255 |
| Credit loss provision to net charge-offs | 184.0000% | 1,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3383% | 5,077 |
| Assets per employee ($millions) | 4.7879% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,771 |
| Loan loss allowance to noncurrent loans | 96.4588% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.2280% | 2,802 |
| Noncurrent loans to loans | 1.6420% | 2,371 |
| Net loans and leases to total assets | 49.3777% | 4,963 |
| Net loans and leases to deposits | 63.0641% | 4,423 |
| Net loans and leases to core deposits | 63.9627% | 4,696 |
| Total domestic deposits to total assets | 78.2977% | 5,787 |
| Equity capital to assets | 16.0389% | 521 |
| Core capital (leverage) ratio | 14.6252% | 671 |
| Tier 1 risk-based capital ratio | 36.4053% | 304 |
| Total risk-based capital ratio | 37.6616% | 300 |
| Memoranda: | ||
| Average total assets | $288,825,500 | 2,241 |
| Average earning assets | $275,815,000 | 2,179 |
| Average equity | $46,880,500 | 1,527 |
| Average total loans | $147,203,500 | 2,627 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 5,018 |
| Cost of funding earning assets | 0.3218% | 5,407 |
| Net interest margin | 3.4141% | 4,224 |
| Noninterest income to average assets | 2.6787% | 258 |
| Noninterest expense to average assets | 3.8089% | 1,120 |
| Loan and lease loss provision to assets | -0.0270% | 6,317 |
| Net operating income to assets | 1.4565% | 903 |
| Return on assets (ROA) | 1.4554% | 949 |
| Pretax return on assets | 2.1291% | 363 |
| Return on Equity (ROE) | 9.3212% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.3212% | 701 |
| Net charge-offs to loans | 0.0589% | 4,396 |
| Credit loss provision to net charge-offs | -91.6667% | 5,862 |
| Earnings coverage of net charge-offs (x) | 71.5595% | 595 |
| Efficiency ratio | 64.4172% | 4,833 |
| Assets per employee ($millions) | 4.8424% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 2,389 |
| Loan loss allowance to noncurrent loans | 109.1275% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2177% | 2,966 |
| Noncurrent loans to loans | 1.5622% | 2,554 |
| Net loans and leases to total assets | 50.9501% | 4,974 |
| Net loans and leases to deposits | 65.4845% | 4,355 |
| Net loans and leases to core deposits | 66.2752% | 4,675 |
| Total domestic deposits to total assets | 77.8048% | 5,853 |
| Equity capital to assets | 16.4419% | 453 |
| Core capital (leverage) ratio | 16.9819% | 372 |
| Tier 1 risk-based capital ratio | 37.4924% | 269 |
| Total risk-based capital ratio | 38.7508% | 268 |
| Memoranda: | ||
| Average total assets | $285,702,600 | 2,229 |
| Average earning assets | $270,639,600 | 2,173 |
| Average equity | $44,607,800 | 1,566 |
| Average total loans | $142,539,600 | 2,663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 5,561 |
| Cost of funding earning assets | 0.3091% | 5,652 |
| Net interest margin | 3.2482% | 4,836 |
| Noninterest income to average assets | 3.4378% | 203 |
| Noninterest expense to average assets | 4.1541% | 718 |
| Loan and lease loss provision to assets | -0.0352% | 6,526 |
| Net operating income to assets | 1.6119% | 730 |
| Return on assets (ROA) | 1.6104% | 781 |
| Pretax return on assets | 2.3896% | 278 |
| Return on Equity (ROE) | 10.4468% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.4468% | 700 |
| Net charge-offs to loans | 0.0871% | 3,703 |
| Credit loss provision to net charge-offs | -81.7204% | 5,755 |
| Earnings coverage of net charge-offs (x) | 54.7621% | 808 |
| Efficiency ratio | 63.8024% | 4,835 |
| Assets per employee ($millions) | 4.9515% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,588 |
| Loan loss allowance to noncurrent loans | 197.9642% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 3,921 |
| Noncurrent loans to loans | 0.8653% | 4,089 |
| Net loans and leases to total assets | 48.5708% | 5,290 |
| Net loans and leases to deposits | 61.9216% | 4,773 |
| Net loans and leases to core deposits | 62.4959% | 5,064 |
| Total domestic deposits to total assets | 78.4391% | 5,836 |
| Equity capital to assets | 15.5300% | 625 |
| Core capital (leverage) ratio | 16.5829% | 422 |
| Tier 1 risk-based capital ratio | 37.2128% | 282 |
| Total risk-based capital ratio | 38.4713% | 280 |
| Memoranda: | ||
| Average total assets | $288,124,500 | 2,230 |
| Average earning assets | $272,596,500 | 2,167 |
| Average equity | $44,414,250 | 1,589 |
| Average total loans | $142,407,250 | 2,674 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 5,698 |
| Cost of funding earning assets | 0.2852% | 5,945 |
| Net interest margin | 3.2139% | 4,896 |
| Noninterest income to average assets | 4.9383% | 146 |
| Noninterest expense to average assets | 4.8870% | 391 |
| Loan and lease loss provision to assets | -0.0513% | 6,649 |
| Net operating income to assets | 2.0940% | 306 |
| Return on assets (ROA) | 2.0940% | 321 |
| Pretax return on assets | 3.1341% | 136 |
| Return on Equity (ROE) | 13.6182% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.6182% | 331 |
| Net charge-offs to loans | -0.0603% | 6,331 |
| Credit loss provision to net charge-offs | 172.0930% | 1,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3189% | 5,278 |
| Assets per employee ($millions) | 4.3728% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,376 |
| Loan loss allowance to noncurrent loans | 193.3032% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 3,991 |
| Noncurrent loans to loans | 0.9405% | 4,041 |
| Net loans and leases to total assets | 48.8138% | 5,244 |
| Net loans and leases to deposits | 62.5558% | 4,675 |
| Net loans and leases to core deposits | 63.0894% | 4,988 |
| Total domestic deposits to total assets | 78.0325% | 5,970 |
| Equity capital to assets | 15.8455% | 548 |
| Core capital (leverage) ratio | 16.0321% | 460 |
| Tier 1 risk-based capital ratio | 38.0393% | 269 |
| Total risk-based capital ratio | 39.3004% | 262 |
| Memoranda: | ||
| Average total assets | $288,437,000 | 2,232 |
| Average earning assets | $272,065,330 | 2,178 |
| Average equity | $44,352,330 | 1,596 |
| Average total loans | $142,569,670 | 2,680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3164% | 6,126 |
| Cost of funding earning assets | 0.2946% | 6,012 |
| Net interest margin | 3.0219% | 5,510 |
| Noninterest income to average assets | 7.8833% | 90 |
| Noninterest expense to average assets | 6.1472% | 198 |
| Loan and lease loss provision to assets | -0.1005% | 6,835 |
| Net operating income to assets | 3.0936% | 98 |
| Return on assets (ROA) | 3.0936% | 104 |
| Pretax return on assets | 4.6754% | 66 |
| Return on Equity (ROE) | 20.4229% | 269 |
| Retained earnings to average equity (ytd only) | 20.4229% | 127 |
| Net charge-offs to loans | -0.1034% | 6,459 |
| Credit loss provision to net charge-offs | 197.2973% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3318% | 5,917 |
| Assets per employee ($millions) | 5.2182% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,754 |
| Loan loss allowance to noncurrent loans | 170.5921% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 3,823 |
| Noncurrent loans to loans | 1.0347% | 4,070 |
| Net loans and leases to total assets | 47.1493% | 5,317 |
| Net loans and leases to deposits | 56.9608% | 5,143 |
| Net loans and leases to core deposits | 57.3898% | 5,397 |
| Total domestic deposits to total assets | 82.7749% | 4,927 |
| Equity capital to assets | 14.9423% | 768 |
| Core capital (leverage) ratio | 12.5447% | 1,317 |
| Tier 1 risk-based capital ratio | 35.6446% | 330 |
| Total risk-based capital ratio | 36.9044% | 321 |
| Memoranda: | ||
| Average total assets | $290,539,000 | 2,247 |
| Average earning assets | $272,945,000 | 2,196 |
| Average equity | $44,009,500 | 1,625 |
| Average total loans | $143,197,500 | 2,674 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 5,256 |
| Cost of funding earning assets | 0.4570% | 5,526 |
| Net interest margin | 3.5586% | 4,273 |
| Noninterest income to average assets | 1.7988% | 511 |
| Noninterest expense to average assets | 3.6587% | 1,488 |
| Loan and lease loss provision to assets | 0.1224% | 4,089 |
| Net operating income to assets | 0.9040% | 2,793 |
| Return on assets (ROA) | 0.9040% | 3,035 |
| Pretax return on assets | 1.3412% | 2,246 |
| Return on Equity (ROE) | 5.4923% | 4,431 |
| Retained earnings to average equity (ytd only) | -5.3749% | 6,453 |
| Net charge-offs to loans | 0.2380% | 3,511 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 11.9620% | 1,981 |
| Efficiency ratio | 71.4276% | 3,532 |
| Assets per employee ($millions) | 4.6403% | 2,713 |
| Cash dividends to net income (ytd only)* | 197.8631% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 2,459 |
| Loan loss allowance to noncurrent loans | 163.6249% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 3,306 |
| Noncurrent loans to loans | 1.1259% | 3,961 |
| Net loans and leases to total assets | 49.7558% | 5,202 |
| Net loans and leases to deposits | 60.2260% | 5,004 |
| Net loans and leases to core deposits | 60.8370% | 5,289 |
| Total domestic deposits to total assets | 82.6151% | 4,878 |
| Equity capital to assets | 15.3707% | 662 |
| Core capital (leverage) ratio | 15.1128% | 553 |
| Tier 1 risk-based capital ratio | 36.1199% | 311 |
| Total risk-based capital ratio | 37.3816% | 302 |
| Memoranda: | ||
| Average total assets | $279,522,000 | 2,275 |
| Average earning assets | $261,059,800 | 2,224 |
| Average equity | $46,009,800 | 1,513 |
| Average total loans | $143,701,200 | 2,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 5,169 |
| Cost of funding earning assets | 0.4743% | 5,599 |
| Net interest margin | 3.6312% | 4,092 |
| Noninterest income to average assets | 2.3545% | 333 |
| Noninterest expense to average assets | 3.9604% | 989 |
| Loan and lease loss provision to assets | 0.0820% | 4,604 |
| Net operating income to assets | 1.1265% | 2,003 |
| Return on assets (ROA) | 1.1265% | 2,197 |
| Pretax return on assets | 1.7012% | 1,266 |
| Return on Equity (ROE) | 6.7329% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,261 |
| Net charge-offs to loans | 0.1589% | 3,843 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 21.7556% | 1,388 |
| Efficiency ratio | 68.9538% | 3,886 |
| Assets per employee ($millions) | 4.9791% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,731 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.8591% | 2,847 |
| Noncurrent loans to loans | 1.9103% | 2,953 |
| Net loans and leases to total assets | 48.5855% | 5,478 |
| Net loans and leases to deposits | 59.8439% | 5,230 |
| Net loans and leases to core deposits | 60.2445% | 5,530 |
| Total domestic deposits to total assets | 81.1870% | 5,300 |
| Equity capital to assets | 16.4680% | 533 |
| Core capital (leverage) ratio | 16.9205% | 377 |
| Tier 1 risk-based capital ratio | 39.6487% | 252 |
| Total risk-based capital ratio | 40.9098% | 244 |
| Memoranda: | ||
| Average total assets | $279,797,500 | 2,298 |
| Average earning assets | $261,140,000 | 2,244 |
| Average equity | $46,813,500 | 1,509 |
| Average total loans | $144,344,000 | 2,688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 4,800 |
| Cost of funding earning assets | 0.4882% | 5,695 |
| Net interest margin | 3.7538% | 3,568 |
| Noninterest income to average assets | 3.4465% | 213 |
| Noninterest expense to average assets | 4.6048% | 506 |
| Loan and lease loss provision to assets | 0.0368% | 5,215 |
| Net operating income to assets | 1.5318% | 945 |
| Return on assets (ROA) | 1.5318% | 1,061 |
| Pretax return on assets | 2.3158% | 401 |
| Return on Equity (ROE) | 9.1055% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.1055% | 1,236 |
| Net charge-offs to loans | 0.0704% | 4,443 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 63.8431% | 603 |
| Efficiency ratio | 66.1855% | 4,500 |
| Assets per employee ($millions) | 4.6325% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 2,842 |
| Loan loss allowance to noncurrent loans | 79.1717% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8428% | 2,977 |
| Noncurrent loans to loans | 2.2786% | 2,639 |
| Net loans and leases to total assets | 50.9162% | 5,236 |
| Net loans and leases to deposits | 61.8347% | 5,019 |
| Net loans and leases to core deposits | 62.2582% | 5,365 |
| Total domestic deposits to total assets | 82.3424% | 5,000 |
| Equity capital to assets | 17.1013% | 432 |
| Core capital (leverage) ratio | 17.0848% | 356 |
| Tier 1 risk-based capital ratio | 39.9825% | 228 |
| Total risk-based capital ratio | 41.2438% | 223 |
| Memoranda: | ||
| Average total assets | $276,800,000 | 2,323 |
| Average earning assets | $258,886,000 | 2,270 |
| Average equity | $46,565,330 | 1,499 |
| Average total loans | $144,822,000 | 2,689 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 4,466 |
| Cost of funding earning assets | 0.5322% | 5,599 |
| Net interest margin | 3.8303% | 3,243 |
| Noninterest income to average assets | 6.2818% | 110 |
| Noninterest expense to average assets | 6.7177% | 156 |
| Loan and lease loss provision to assets | -0.0420% | 7,139 |
| Net operating income to assets | 2.1026% | 350 |
| Return on assets (ROA) | 2.1026% | 403 |
| Pretax return on assets | 3.1916% | 157 |
| Return on Equity (ROE) | 12.6038% | 1,511 |
| Retained earnings to average equity (ytd only) | 12.6038% | 739 |
| Net charge-offs to loans | -0.0827% | 6,725 |
| Credit loss provision to net charge-offs | 96.6667% | 2,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0804% | 4,155 |
| Assets per employee ($millions) | 4.8646% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 3,006 |
| Loan loss allowance to noncurrent loans | 68.3215% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 3,026 |
| Noncurrent loans to loans | 2.6299% | 2,470 |
| Net loans and leases to total assets | 50.3846% | 5,256 |
| Net loans and leases to deposits | 60.9976% | 5,044 |
| Net loans and leases to core deposits | 61.4578% | 5,384 |
| Total domestic deposits to total assets | 82.6009% | 5,081 |
| Equity capital to assets | 16.5875% | 487 |
| Core capital (leverage) ratio | 16.4010% | 422 |
| Tier 1 risk-based capital ratio | 39.4663% | 238 |
| Total risk-based capital ratio | 40.7283% | 234 |
| Memoranda: | ||
| Average total assets | $276,225,500 | 2,336 |
| Average earning assets | $258,571,500 | 2,290 |
| Average equity | $46,081,500 | 1,511 |
| Average total loans | $145,172,500 | 2,698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 2,297 |
| Cost of funding earning assets | 0.7268% | 5,361 |
| Net interest margin | 4.4118% | 1,369 |
| Noninterest income to average assets | 2.2806% | 311 |
| Noninterest expense to average assets | 3.8841% | 1,202 |
| Loan and lease loss provision to assets | 0.2534% | 3,670 |
| Net operating income to assets | 1.4566% | 915 |
| Return on assets (ROA) | 1.4566% | 994 |
| Pretax return on assets | 2.2249% | 347 |
| Return on Equity (ROE) | 8.8425% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.8425% | 846 |
| Net charge-offs to loans | 0.4642% | 3,133 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 9.7802% | 1,937 |
| Efficiency ratio | 61.0470% | 5,596 |
| Assets per employee ($millions) | 4.5051% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,912 |
| Loan loss allowance to noncurrent loans | 71.7637% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 3,261 |
| Noncurrent loans to loans | 2.4886% | 2,639 |
| Net loans and leases to total assets | 52.8980% | 5,179 |
| Net loans and leases to deposits | 63.8832% | 5,031 |
| Net loans and leases to core deposits | 64.4583% | 5,421 |
| Total domestic deposits to total assets | 82.8042% | 4,833 |
| Equity capital to assets | 16.7818% | 478 |
| Core capital (leverage) ratio | 16.8949% | 372 |
| Tier 1 risk-based capital ratio | 39.5095% | 237 |
| Total risk-based capital ratio | 40.7724% | 232 |
| Memoranda: | ||
| Average total assets | $271,107,800 | 2,331 |
| Average earning assets | $250,828,000 | 2,294 |
| Average equity | $44,659,200 | 1,518 |
| Average total loans | $147,981,800 | 2,672 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2149% | 2,149 |
| Cost of funding earning assets | 0.7670% | 5,353 |
| Net interest margin | 4.4478% | 1,282 |
| Noninterest income to average assets | 3.0199% | 216 |
| Noninterest expense to average assets | 3.8253% | 1,271 |
| Loan and lease loss provision to assets | 0.1995% | 4,027 |
| Net operating income to assets | 2.0537% | 313 |
| Return on assets (ROA) | 2.0537% | 333 |
| Pretax return on assets | 3.1014% | 129 |
| Return on Equity (ROE) | 12.5257% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.5257% | 429 |
| Net charge-offs to loans | 0.3598% | 3,293 |
| Credit loss provision to net charge-offs | 101.2469% | 3,312 |
| Earnings coverage of net charge-offs (x) | 16.7507% | 1,383 |
| Efficiency ratio | 53.6791% | 6,525 |
| Assets per employee ($millions) | 4.6366% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 3,045 |
| Loan loss allowance to noncurrent loans | 69.4296% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8811% | 3,292 |
| Noncurrent loans to loans | 2.5464% | 2,720 |
| Net loans and leases to total assets | 52.9103% | 5,336 |
| Net loans and leases to deposits | 64.0602% | 5,162 |
| Net loans and leases to core deposits | 64.7054% | 5,549 |
| Total domestic deposits to total assets | 82.5947% | 4,836 |
| Equity capital to assets | 16.6767% | 521 |
| Core capital (leverage) ratio | 16.9859% | 400 |
| Tier 1 risk-based capital ratio | 39.4394% | 264 |
| Total risk-based capital ratio | 40.7014% | 257 |
| Memoranda: | ||
| Average total assets | $271,308,500 | 2,344 |
| Average earning assets | $250,482,000 | 2,311 |
| Average equity | $44,483,500 | 1,528 |
| Average total loans | $148,580,750 | 2,684 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 2,043 |
| Cost of funding earning assets | 0.8107% | 5,300 |
| Net interest margin | 4.4459% | 1,253 |
| Noninterest income to average assets | 4.4656% | 153 |
| Noninterest expense to average assets | 4.0442% | 983 |
| Loan and lease loss provision to assets | 0.2772% | 3,160 |
| Net operating income to assets | 2.7942% | 117 |
| Return on assets (ROA) | 2.7942% | 119 |
| Pretax return on assets | 4.2305% | 88 |
| Return on Equity (ROE) | 17.1412% | 536 |
| Retained earnings to average equity (ytd only) | 17.1412% | 160 |
| Net charge-offs to loans | 0.5020% | 2,597 |
| Credit loss provision to net charge-offs | 100.2674% | 3,100 |
| Earnings coverage of net charge-offs (x) | 16.3048% | 1,350 |
| Efficiency ratio | 47.2902% | 7,096 |
| Assets per employee ($millions) | 4.6852% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 3,237 |
| Loan loss allowance to noncurrent loans | 86.7868% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.8573% | 3,427 |
| Noncurrent loans to loans | 1.9907% | 3,497 |
| Net loans and leases to total assets | 54.4454% | 5,229 |
| Net loans and leases to deposits | 65.9583% | 5,004 |
| Net loans and leases to core deposits | 66.3821% | 5,461 |
| Total domestic deposits to total assets | 82.5452% | 4,975 |
| Equity capital to assets | 16.7240% | 513 |
| Core capital (leverage) ratio | 16.6016% | 441 |
| Tier 1 risk-based capital ratio | 37.7452% | 284 |
| Total risk-based capital ratio | 39.0056% | 277 |
| Memoranda: | ||
| Average total assets | $270,557,670 | 2,360 |
| Average earning assets | $248,679,670 | 2,342 |
| Average equity | $44,104,330 | 1,526 |
| Average total loans | $148,992,000 | 2,701 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 1,994 |
| Cost of funding earning assets | 0.8500% | 5,272 |
| Net interest margin | 4.4141% | 1,245 |
| Noninterest income to average assets | 8.1818% | 86 |
| Noninterest expense to average assets | 4.5665% | 558 |
| Loan and lease loss provision to assets | 0.2400% | 3,270 |
| Net operating income to assets | 4.9132% | 52 |
| Return on assets (ROA) | 4.9132% | 53 |
| Pretax return on assets | 7.4380% | 44 |
| Return on Equity (ROE) | 30.5386% | 74 |
| Retained earnings to average equity (ytd only) | 30.5386% | 52 |
| Net charge-offs to loans | 0.1403% | 3,664 |
| Credit loss provision to net charge-offs | 311.5385% | 1,036 |
| Earnings coverage of net charge-offs (x) | 99.6538% | 318 |
| Efficiency ratio | 37.2943% | 7,427 |
| Assets per employee ($millions) | 5.2494% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,934 |
| Loan loss allowance to noncurrent loans | 91.8956% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 3,409 |
| Noncurrent loans to loans | 1.9865% | 3,590 |
| Net loans and leases to total assets | 52.3848% | 5,529 |
| Net loans and leases to deposits | 63.5134% | 5,324 |
| Net loans and leases to core deposits | 64.0522% | 5,719 |
| Total domestic deposits to total assets | 82.4784% | 5,117 |
| Equity capital to assets | 16.1813% | 543 |
| Core capital (leverage) ratio | 15.2745% | 612 |
| Tier 1 risk-based capital ratio | 36.8861% | 306 |
| Total risk-based capital ratio | 38.1480% | 295 |
| Memoranda: | ||
| Average total assets | $269,965,500 | 2,391 |
| Average earning assets | $248,474,500 | 2,363 |
| Average equity | $43,433,500 | 1,537 |
| Average total loans | $148,212,000 | 2,734 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 1,094 |
| Cost of funding earning assets | 1.0483% | 5,437 |
| Net interest margin | 4.8272% | 638 |
| Noninterest income to average assets | 1.3903% | 752 |
| Noninterest expense to average assets | 3.6234% | 1,869 |
| Loan and lease loss provision to assets | 0.2409% | 4,874 |
| Net operating income to assets | 1.3048% | 1,156 |
| Return on assets (ROA) | 1.3048% | 1,219 |
| Pretax return on assets | 1.9778% | 508 |
| Return on Equity (ROE) | 8.2915% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.2915% | 888 |
| Net charge-offs to loans | 0.4109% | 3,985 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 9.2097% | 1,853 |
| Efficiency ratio | 62.0219% | 5,728 |
| Assets per employee ($millions) | 4.5123% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 3,001 |
| Loan loss allowance to noncurrent loans | 105.6911% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 3,171 |
| Noncurrent loans to loans | 1.6625% | 4,007 |
| Net loans and leases to total assets | 55.5455% | 5,413 |
| Net loans and leases to deposits | 66.6219% | 5,318 |
| Net loans and leases to core deposits | 67.3220% | 5,740 |
| Total domestic deposits to total assets | 83.3743% | 4,652 |
| Equity capital to assets | 15.9899% | 585 |
| Core capital (leverage) ratio | 15.9207% | 521 |
| Tier 1 risk-based capital ratio | 35.2794% | 340 |
| Total risk-based capital ratio | 36.5413% | 333 |
| Memoranda: | ||
| Average total assets | $257,357,000 | 2,477 |
| Average earning assets | $237,344,800 | 2,454 |
| Average equity | $40,499,200 | 1,637 |
| Average total loans | $150,900,800 | 2,760 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1421% | 697 |
| Cost of funding earning assets | 1.0829% | 5,532 |
| Net interest margin | 5.0592% | 385 |
| Noninterest income to average assets | 1.8792% | 415 |
| Noninterest expense to average assets | 3.6248% | 1,734 |
| Loan and lease loss provision to assets | 0.2804% | 4,334 |
| Net operating income to assets | 1.7450% | 570 |
| Return on assets (ROA) | 1.7450% | 622 |
| Pretax return on assets | 2.6336% | 189 |
| Return on Equity (ROE) | 11.1346% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.1346% | 587 |
| Net charge-offs to loans | 0.4739% | 3,377 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 10.3914% | 1,887 |
| Efficiency ratio | 55.4344% | 6,628 |
| Assets per employee ($millions) | 4.7110% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 3,047 |
| Loan loss allowance to noncurrent loans | 60.3809% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.7060% | 2,671 |
| Noncurrent loans to loans | 2.8703% | 2,782 |
| Net loans and leases to total assets | 55.8794% | 5,559 |
| Net loans and leases to deposits | 67.0933% | 5,534 |
| Net loans and leases to core deposits | 67.9703% | 5,945 |
| Total domestic deposits to total assets | 83.2862% | 4,463 |
| Equity capital to assets | 15.7233% | 726 |
| Core capital (leverage) ratio | 15.8750% | 578 |
| Tier 1 risk-based capital ratio | 35.0156% | 350 |
| Total risk-based capital ratio | 36.2775% | 338 |
| Memoranda: | ||
| Average total assets | $256,267,500 | 2,526 |
| Average earning assets | $236,026,250 | 2,510 |
| Average equity | $40,162,000 | 1,661 |
| Average total loans | $151,633,250 | 2,784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4830% | 349 |
| Cost of funding earning assets | 1.1139% | 5,605 |
| Net interest margin | 5.3692% | 216 |
| Noninterest income to average assets | 2.6160% | 257 |
| Noninterest expense to average assets | 4.0110% | 1,031 |
| Loan and lease loss provision to assets | 0.3397% | 3,701 |
| Net operating income to assets | 2.1352% | 260 |
| Return on assets (ROA) | 2.1352% | 283 |
| Pretax return on assets | 3.2347% | 102 |
| Return on Equity (ROE) | 13.6397% | 1,111 |
| Retained earnings to average equity (ytd only) | 13.6397% | 331 |
| Net charge-offs to loans | 0.5625% | 2,848 |
| Credit loss provision to net charge-offs | 100.7009% | 4,044 |
| Earnings coverage of net charge-offs (x) | 10.5958% | 1,868 |
| Efficiency ratio | 52.8782% | 6,991 |
| Assets per employee ($millions) | 4.5778% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 3,000 |
| Loan loss allowance to noncurrent loans | 37.6919% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 3.4078% | 2,066 |
| Noncurrent loans to loans | 4.5628% | 1,589 |
| Net loans and leases to total assets | 57.0083% | 5,563 |
| Net loans and leases to deposits | 68.4224% | 5,506 |
| Net loans and leases to core deposits | 69.0788% | 5,964 |
| Total domestic deposits to total assets | 83.3183% | 4,432 |
| Equity capital to assets | 15.6976% | 725 |
| Core capital (leverage) ratio | 15.7814% | 596 |
| Tier 1 risk-based capital ratio | 34.0776% | 375 |
| Total risk-based capital ratio | 35.3395% | 372 |
| Memoranda: | ||
| Average total assets | $253,750,670 | 2,565 |
| Average earning assets | $234,859,670 | 2,542 |
| Average equity | $39,722,330 | 1,678 |
| Average total loans | $152,171,000 | 2,797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4834% | 107 |
| Cost of funding earning assets | 1.1072% | 5,870 |
| Net interest margin | 6.3762% | 81 |
| Noninterest income to average assets | 4.8097% | 143 |
| Noninterest expense to average assets | 4.5091% | 576 |
| Loan and lease loss provision to assets | 1.2760% | 950 |
| Net operating income to assets | 3.2443% | 75 |
| Return on assets (ROA) | 3.2443% | 81 |
| Pretax return on assets | 4.9456% | 59 |
| Return on Equity (ROE) | 20.7552% | 338 |
| Retained earnings to average equity (ytd only) | 20.7552% | 177 |
| Net charge-offs to loans | -0.2333% | 7,699 |
| Credit loss provision to net charge-offs | -896.6292% | 6,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0206% | 7,681 |
| Assets per employee ($millions) | 4.3638% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2765% | 1,616 |
| Loan loss allowance to noncurrent loans | 46.5616% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.5550% | 1,973 |
| Noncurrent loans to loans | 4.8892% | 1,488 |
| Net loans and leases to total assets | 58.1384% | 5,410 |
| Net loans and leases to deposits | 69.7349% | 5,382 |
| Net loans and leases to core deposits | 70.2745% | 5,891 |
| Total domestic deposits to total assets | 83.3706% | 4,444 |
| Equity capital to assets | 15.5815% | 753 |
| Core capital (leverage) ratio | 15.0014% | 751 |
| Tier 1 risk-based capital ratio | 33.1920% | 403 |
| Total risk-based capital ratio | 34.4635% | 396 |
| Memoranda: | ||
| Average total assets | $250,160,000 | 2,651 |
| Average earning assets | $232,300,000 | 2,620 |
| Average equity | $39,103,500 | 1,717 |
| Average total loans | $152,578,500 | 2,851 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1419% | 1,398 |
| Cost of funding earning assets | 1.4983% | 5,521 |
| Net interest margin | 4.6436% | 912 |
| Noninterest income to average assets | 1.0469% | 1,417 |
| Noninterest expense to average assets | 3.6322% | 2,071 |
| Loan and lease loss provision to assets | 1.0423% | 2,201 |
| Net operating income to assets | 0.4539% | 3,910 |
| Return on assets (ROA) | 0.4539% | 4,036 |
| Pretax return on assets | 0.6930% | 3,597 |
| Return on Equity (ROE) | 2.9504% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.9504% | 3,105 |
| Net charge-offs to loans | 1.6217% | 1,558 |
| Credit loss provision to net charge-offs | 100.3949% | 5,492 |
| Earnings coverage of net charge-offs (x) | 1.6714% | 4,486 |
| Efficiency ratio | 67.6700% | 5,068 |
| Assets per employee ($millions) | 4.0476% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 2,863 |
| Loan loss allowance to noncurrent loans | 31.4580% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 3.9060% | 1,700 |
| Noncurrent loans to loans | 5.4381% | 1,200 |
| Net loans and leases to total assets | 61.5116% | 5,102 |
| Net loans and leases to deposits | 73.7928% | 5,077 |
| Net loans and leases to core deposits | 77.0728% | 6,330 |
| Total domestic deposits to total assets | 83.3571% | 4,355 |
| Equity capital to assets | 15.6843% | 750 |
| Core capital (leverage) ratio | 15.5691% | 683 |
| Tier 1 risk-based capital ratio | 31.4920% | 459 |
| Total risk-based capital ratio | 32.7529% | 452 |
| Memoranda: | ||
| Average total assets | $243,874,000 | 2,674 |
| Average earning assets | $226,916,800 | 2,628 |
| Average equity | $37,520,400 | 1,789 |
| Average total loans | $156,135,000 | 2,826 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4070% | 918 |
| Cost of funding earning assets | 1.6070% | 5,369 |
| Net interest margin | 4.7999% | 679 |
| Noninterest income to average assets | 1.3244% | 878 |
| Noninterest expense to average assets | 3.9099% | 1,413 |
| Loan and lease loss provision to assets | 0.9558% | 2,009 |
| Net operating income to assets | 0.6122% | 3,565 |
| Return on assets (ROA) | 0.6122% | 3,609 |
| Pretax return on assets | 0.9186% | 3,171 |
| Return on Equity (ROE) | 3.9987% | 4,374 |
| Retained earnings to average equity (ytd only) | 3.9987% | 3,044 |
| Net charge-offs to loans | 1.4752% | 1,393 |
| Credit loss provision to net charge-offs | 100.6325% | 5,046 |
| Earnings coverage of net charge-offs (x) | 1.9735% | 4,338 |
| Efficiency ratio | 67.5951% | 5,060 |
| Assets per employee ($millions) | 3.9844% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 2,665 |
| Loan loss allowance to noncurrent loans | 34.9644% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 3.5579% | 1,855 |
| Noncurrent loans to loans | 4.8363% | 1,406 |
| Net loans and leases to total assets | 61.2134% | 5,379 |
| Net loans and leases to deposits | 73.5118% | 5,443 |
| Net loans and leases to core deposits | 76.6093% | 6,576 |
| Total domestic deposits to total assets | 83.2701% | 4,082 |
| Equity capital to assets | 15.3341% | 924 |
| Core capital (leverage) ratio | 15.3447% | 797 |
| Tier 1 risk-based capital ratio | 31.3055% | 502 |
| Total risk-based capital ratio | 32.5667% | 491 |
| Memoranda: | ||
| Average total assets | $244,128,750 | 2,686 |
| Average earning assets | $226,830,750 | 2,647 |
| Average equity | $37,378,000 | 1,818 |
| Average total loans | $157,172,750 | 2,838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7217% | 521 |
| Cost of funding earning assets | 1.7875% | 4,823 |
| Net interest margin | 4.9342% | 501 |
| Noninterest income to average assets | 1.7922% | 458 |
| Noninterest expense to average assets | 4.6002% | 695 |
| Loan and lease loss provision to assets | 1.0849% | 1,579 |
| Net operating income to assets | 0.4598% | 4,254 |
| Return on assets (ROA) | 0.4598% | 4,369 |
| Pretax return on assets | 0.6934% | 4,024 |
| Return on Equity (ROE) | 3.0045% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.0045% | 3,648 |
| Net charge-offs to loans | 1.6552% | 1,141 |
| Credit loss provision to net charge-offs | 100.6870% | 4,534 |
| Earnings coverage of net charge-offs (x) | 1.6504% | 4,307 |
| Efficiency ratio | 72.1212% | 4,388 |
| Assets per employee ($millions) | 3.6768% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 2,465 |
| Loan loss allowance to noncurrent loans | 37.5687% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 3.2705% | 1,905 |
| Noncurrent loans to loans | 4.4333% | 1,461 |
| Net loans and leases to total assets | 61.3731% | 5,465 |
| Net loans and leases to deposits | 73.6891% | 5,499 |
| Net loans and leases to core deposits | 76.8058% | 6,619 |
| Total domestic deposits to total assets | 83.2865% | 4,112 |
| Equity capital to assets | 14.9853% | 1,029 |
| Core capital (leverage) ratio | 14.9527% | 934 |
| Tier 1 risk-based capital ratio | 29.8990% | 610 |
| Total risk-based capital ratio | 31.1592% | 595 |
| Memoranda: | ||
| Average total assets | $243,161,330 | 2,723 |
| Average earning assets | $226,015,670 | 2,681 |
| Average equity | $37,210,670 | 1,831 |
| Average total loans | $158,291,330 | 2,851 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8867% | 107 |
| Cost of funding earning assets | 2.0628% | 3,816 |
| Net interest margin | 5.8239% | 122 |
| Noninterest income to average assets | 4.0529% | 164 |
| Noninterest expense to average assets | 5.9033% | 301 |
| Loan and lease loss provision to assets | 2.4561% | 474 |
| Net operating income to assets | 0.7575% | 3,314 |
| Return on assets (ROA) | 0.7575% | 3,490 |
| Pretax return on assets | 1.1062% | 2,965 |
| Return on Equity (ROE) | 4.8972% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.8972% | 3,194 |
| Net charge-offs to loans | 0.5922% | 1,992 |
| Credit loss provision to net charge-offs | 623.7288% | 915 |
| Earnings coverage of net charge-offs (x) | 9.0466% | 2,114 |
| Efficiency ratio | 62.3656% | 5,986 |
| Assets per employee ($millions) | 3.8095% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3806% | 870 |
| Loan loss allowance to noncurrent loans | 57.0960% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.3171% | 1,648 |
| Noncurrent loans to loans | 4.1694% | 1,430 |
| Net loans and leases to total assets | 62.4010% | 5,253 |
| Net loans and leases to deposits | 74.8614% | 5,363 |
| Net loans and leases to core deposits | 78.6932% | 6,486 |
| Total domestic deposits to total assets | 83.3554% | 3,975 |
| Equity capital to assets | 14.8353% | 1,150 |
| Core capital (leverage) ratio | 14.7563% | 1,021 |
| Tier 1 risk-based capital ratio | 29.3969% | 663 |
| Total risk-based capital ratio | 30.6694% | 642 |
| Memoranda: | ||
| Average total assets | $239,729,500 | 2,770 |
| Average earning assets | $222,805,500 | 2,732 |
| Average equity | $37,082,500 | 1,845 |
| Average total loans | $159,413,500 | 2,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2277% | 692 |
| Cost of funding earning assets | 2.6290% | 3,535 |
| Net interest margin | 4.5987% | 1,181 |
| Noninterest income to average assets | 0.9884% | 1,613 |
| Noninterest expense to average assets | 3.5551% | 2,251 |
| Loan and lease loss provision to assets | 0.8137% | 1,827 |
| Net operating income to assets | 0.5720% | 4,430 |
| Return on assets (ROA) | 0.5726% | 4,293 |
| Pretax return on assets | 0.8800% | 3,799 |
| Return on Equity (ROE) | 3.7684% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.7684% | 2,788 |
| Net charge-offs to loans | 1.2014% | 1,006 |
| Credit loss provision to net charge-offs | 101.3605% | 5,243 |
| Earnings coverage of net charge-offs (x) | 2.1088% | 5,015 |
| Efficiency ratio | 67.7419% | 4,767 |
| Assets per employee ($millions) | 3.3534% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 2,103 |
| Loan loss allowance to noncurrent loans | 37.0635% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 3.6749% | 1,187 |
| Noncurrent loans to loans | 4.4198% | 1,082 |
| Net loans and leases to total assets | 68.2001% | 4,427 |
| Net loans and leases to deposits | 82.6916% | 4,624 |
| Net loans and leases to core deposits | 87.3353% | 6,033 |
| Total domestic deposits to total assets | 82.4753% | 4,005 |
| Equity capital to assets | 16.1666% | 899 |
| Core capital (leverage) ratio | 16.2746% | 787 |
| Tier 1 risk-based capital ratio | 30.3072% | 622 |
| Total risk-based capital ratio | 31.5686% | 606 |
| Memoranda: | ||
| Average total assets | $238,055,000 | 2,670 |
| Average earning assets | $220,499,400 | 2,652 |
| Average equity | $36,169,000 | 1,866 |
| Average total loans | $159,058,800 | 2,784 |