Home > Sage Capital Bank > Performance and Condition Ratios
Sage Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 1,912 |
| Cost of funding earning assets | 1.0146% | 3,262 |
| Net interest margin | 4.0587% | 1,118 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2804% | 2,903 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3898% | 1,232 |
| Return on assets (ROA) | 1.3936% | 1,200 |
| Pretax return on assets | 1.7475% | 967 |
| Return on Equity (ROE) | 14.6400% | 1,357 |
| Retained earnings to average equity (ytd only) | 13.0142% | 502 |
| Net charge-offs to loans | 0.0196% | 1,955 |
| Credit loss provision to net charge-offs | 347.8261% | 855 |
| Earnings coverage of net charge-offs (x) | 166.5362% | 666 |
| Efficiency ratio | 56.1630% | 3,481 |
| Assets per employee ($millions) | 7.3003% | 1,865 |
| Cash dividends to net income (ytd only)* | 11.1148% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,209 |
| Loan loss allowance to noncurrent loans | 1,985.2535% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,427 |
| Noncurrent loans to loans | 0.0612% | 3,276 |
| Net loans and leases to total assets | 52.7300% | 3,436 |
| Net loans and leases to deposits | 59.0500% | 3,576 |
| Net loans and leases to core deposits | 65.9028% | 3,504 |
| Total domestic deposits to total assets | 89.3000% | 977 |
| Equity capital to assets | 10.0625% | 1,969 |
| Core capital (leverage) ratio | 10.6050% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9420% | 799 |
| Memoranda: | ||
| Average total assets | $645,597,800 | 1,386 |
| Average earning assets | $595,533,200 | 1,387 |
| Average equity | $61,448,400 | 1,369 |
| Average total loans | $351,827,200 | 1,606 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,911 |
| Cost of funding earning assets | 0.8975% | 3,279 |
| Net interest margin | 4.0656% | 1,125 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.2885% | 2,828 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3876% | 1,349 |
| Return on assets (ROA) | 1.3903% | 1,328 |
| Pretax return on assets | 1.7470% | 1,090 |
| Return on Equity (ROE) | 14.8300% | 1,481 |
| Retained earnings to average equity (ytd only) | 12.6079% | 872 |
| Net charge-offs to loans | 0.0262% | 1,544 |
| Credit loss provision to net charge-offs | 260.8696% | 964 |
| Earnings coverage of net charge-offs (x) | 124.0870% | 824 |
| Efficiency ratio | 56.2337% | 3,385 |
| Assets per employee ($millions) | 7.0967% | 1,882 |
| Cash dividends to net income (ytd only)* | 14.9633% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,171 |
| Loan loss allowance to noncurrent loans | 2,092.6108% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,484 |
| Noncurrent loans to loans | 0.0592% | 3,330 |
| Net loans and leases to total assets | 52.9800% | 3,427 |
| Net loans and leases to deposits | 59.1815% | 3,546 |
| Net loans and leases to core deposits | 64.2623% | 3,513 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 9.8341% | 1,919 |
| Core capital (leverage) ratio | 10.4590% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9981% | 816 |
| Memoranda: | ||
| Average total assets | $640,916,000 | 1,389 |
| Average earning assets | $591,258,250 | 1,400 |
| Average equity | $60,098,500 | 1,378 |
| Average total loans | $351,127,000 | 1,607 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 1,766 |
| Cost of funding earning assets | 0.7865% | 3,248 |
| Net interest margin | 4.1119% | 1,070 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.2682% | 2,895 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3954% | 1,348 |
| Return on assets (ROA) | 1.3986% | 1,317 |
| Pretax return on assets | 1.8053% | 999 |
| Return on Equity (ROE) | 15.1600% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.7815% | 1,032 |
| Net charge-offs to loans | 0.0390% | 1,133 |
| Credit loss provision to net charge-offs | 173.9130% | 1,108 |
| Earnings coverage of net charge-offs (x) | 85.4928% | 1,018 |
| Efficiency ratio | 55.2292% | 3,507 |
| Assets per employee ($millions) | 7.0268% | 1,905 |
| Cash dividends to net income (ytd only)* | 22.2866% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,453 |
| Loan loss allowance to noncurrent loans | 2,393.1429% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,506 |
| Noncurrent loans to loans | 0.0501% | 3,353 |
| Net loans and leases to total assets | 55.2000% | 3,175 |
| Net loans and leases to deposits | 61.5816% | 3,333 |
| Net loans and leases to core deposits | 66.9921% | 3,287 |
| Total domestic deposits to total assets | 89.6400% | 1,038 |
| Equity capital to assets | 9.7553% | 1,997 |
| Core capital (leverage) ratio | 10.1796% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4507% | 892 |
| Memoranda: | ||
| Average total assets | $641,652,333 | 1,389 |
| Average earning assets | $591,987,667 | 1,398 |
| Average equity | $59,194,333 | 1,404 |
| Average total loans | $353,948,000 | 1,588 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 1,848 |
| Cost of funding earning assets | 0.6698% | 3,157 |
| Net interest margin | 4.0313% | 1,210 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.2112% | 3,071 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4189% | 1,355 |
| Return on assets (ROA) | 1.4232% | 1,315 |
| Pretax return on assets | 1.7957% | 1,075 |
| Return on Equity (ROE) | 15.8700% | 1,386 |
| Retained earnings to average equity (ytd only) | 9.0036% | 1,951 |
| Net charge-offs to loans | 0.0809% | 664 |
| Credit loss provision to net charge-offs | 83.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 41.2222% | 1,178 |
| Efficiency ratio | 54.7561% | 3,526 |
| Assets per employee ($millions) | 7.2484% | 1,785 |
| Cash dividends to net income (ytd only)* | 43.2526% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,758 |
| Loan loss allowance to noncurrent loans | 1,544.9438% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,370 |
| Noncurrent loans to loans | 0.0752% | 3,201 |
| Net loans and leases to total assets | 54.3800% | 3,171 |
| Net loans and leases to deposits | 60.2922% | 3,315 |
| Net loans and leases to core deposits | 65.2134% | 3,275 |
| Total domestic deposits to total assets | 90.1900% | 1,090 |
| Equity capital to assets | 9.1797% | 2,385 |
| Core capital (leverage) ratio | 9.3525% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3096% | 1,112 |
| Memoranda: | ||
| Average total assets | $649,786,000 | 1,396 |
| Average earning assets | $599,015,500 | 1,404 |
| Average equity | $58,287,500 | 1,428 |
| Average total loans | $356,207,000 | 1,589 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 2,204 |
| Cost of funding earning assets | 0.3298% | 2,636 |
| Net interest margin | 3.4961% | 1,944 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2184% | 2,979 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.0854% | 2,236 |
| Return on assets (ROA) | 1.0838% | 2,185 |
| Pretax return on assets | 1.3630% | 1,889 |
| Return on Equity (ROE) | 12.3200% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.5547% | 990 |
| Net charge-offs to loans | 0.0026% | 2,407 |
| Credit loss provision to net charge-offs | -2,055.5556% | 4,687 |
| Earnings coverage of net charge-offs (x) | 956.6667% | 183 |
| Efficiency ratio | 62.4083% | 2,708 |
| Assets per employee ($millions) | 7.2718% | 1,775 |
| Cash dividends to net income (ytd only)* | 14.3205% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,607 |
| Loan loss allowance to noncurrent loans | 1,549.4382% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,393 |
| Noncurrent loans to loans | 0.0747% | 3,226 |
| Net loans and leases to total assets | 53.9900% | 3,201 |
| Net loans and leases to deposits | 59.5109% | 3,359 |
| Net loans and leases to core deposits | 62.9411% | 3,331 |
| Total domestic deposits to total assets | 90.7300% | 1,049 |
| Equity capital to assets | 8.7638% | 2,522 |
| Core capital (leverage) ratio | 9.1045% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7494% | 1,171 |
| Memoranda: | ||
| Average total assets | $644,336,000 | 1,394 |
| Average earning assets | $596,432,800 | 1,393 |
| Average equity | $56,685,400 | 1,465 |
| Average total loans | $342,086,200 | 1,570 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 2,445 |
| Cost of funding earning assets | 0.2781% | 2,405 |
| Net interest margin | 3.2796% | 2,361 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.2640% | 2,733 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.9331% | 2,749 |
| Return on assets (ROA) | 0.9309% | 2,723 |
| Pretax return on assets | 1.1706% | 2,489 |
| Return on Equity (ROE) | 10.5700% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.2120% | 1,922 |
| Net charge-offs to loans | 0.0016% | 2,250 |
| Credit loss provision to net charge-offs | -9,125.0000% | 4,756 |
| Earnings coverage of net charge-offs (x) | 1,320.7500% | 100 |
| Efficiency ratio | 67.3506% | 2,109 |
| Assets per employee ($millions) | 7.3512% | 1,709 |
| Cash dividends to net income (ytd only)* | 22.3164% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,461 |
| Loan loss allowance to noncurrent loans | 1,315.3558% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,508 |
| Noncurrent loans to loans | 0.0763% | 3,327 |
| Net loans and leases to total assets | 51.7800% | 3,299 |
| Net loans and leases to deposits | 56.8358% | 3,413 |
| Net loans and leases to core deposits | 60.3893% | 3,354 |
| Total domestic deposits to total assets | 91.1000% | 1,202 |
| Equity capital to assets | 8.2979% | 2,681 |
| Core capital (leverage) ratio | 8.7465% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5945% | 1,261 |
| Memoranda: | ||
| Average total assets | $641,804,250 | 1,397 |
| Average earning assets | $594,896,750 | 1,401 |
| Average equity | $56,517,750 | 1,487 |
| Average total loans | $338,232,000 | 1,575 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 2,712 |
| Cost of funding earning assets | 0.2500% | 2,272 |
| Net interest margin | 3.0582% | 2,690 |
| Noninterest income to average assets | 0.3338% | 3,157 |
| Noninterest expense to average assets | 2.3061% | 2,536 |
| Loan and lease loss provision to assets | -0.1296% | 4,631 |
| Net operating income to assets | 0.7831% | 3,020 |
| Return on assets (ROA) | 0.7798% | 2,995 |
| Pretax return on assets | 0.9798% | 2,801 |
| Return on Equity (ROE) | 8.6784% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.1606% | 2,647 |
| Net charge-offs to loans | 0.0030% | 1,962 |
| Credit loss provision to net charge-offs | -8,200.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | 540.6000% | 239 |
| Efficiency ratio | 72.9673% | 1,633 |
| Assets per employee ($millions) | 7.0495% | 1,905 |
| Cash dividends to net income (ytd only)* | 40.5351% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.4986% | 3,323 |
| Net loans and leases to deposits | 55.4621% | 3,423 |
| Net loans and leases to core deposits | 59.2738% | 3,324 |
| Total domestic deposits to total assets | 91.0507% | 1,208 |
| Equity capital to assets | 8.4100% | 2,832 |
| Core capital (leverage) ratio | 8.6486% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2716% | 1,366 |
| Memoranda: | ||
| Average total assets | $632,752,000 | 1,428 |
| Average earning assets | $584,850,667 | 1,440 |
| Average equity | $56,853,667 | 1,505 |
| Average total loans | $334,353,333 | 1,584 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1366% | 2,862 |
| Cost of funding earning assets | 0.2465% | 2,196 |
| Net interest margin | 2.8901% | 2,871 |
| Noninterest income to average assets | 0.3270% | 3,144 |
| Noninterest expense to average assets | 2.0691% | 3,254 |
| Loan and lease loss provision to assets | 0.0290% | 1,845 |
| Net operating income to assets | 0.7106% | 3,018 |
| Return on assets (ROA) | 0.7075% | 3,017 |
| Pretax return on assets | 0.8891% | 2,813 |
| Return on Equity (ROE) | 7.6171% | 2,833 |
| Retained earnings to average equity (ytd only) | 0.6862% | 3,880 |
| Net charge-offs to loans | 0.0012% | 1,797 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 1,432.0000% | 54 |
| Efficiency ratio | 69.1778% | 2,352 |
| Assets per employee ($millions) | 7.3047% | 1,796 |
| Cash dividends to net income (ytd only)* | 90.9918% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,968 |
| Loan loss allowance to noncurrent loans | 20,657.8947% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,077 |
| Noncurrent loans to loans | 0.0057% | 3,993 |
| Net loans and leases to total assets | 51.7513% | 3,009 |
| Net loans and leases to deposits | 57.1079% | 3,166 |
| Net loans and leases to core deposits | 61.1151% | 3,054 |
| Total domestic deposits to total assets | 90.6201% | 1,232 |
| Equity capital to assets | 8.9201% | 2,783 |
| Core capital (leverage) ratio | 8.8802% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1480% | 1,749 |
| Memoranda: | ||
| Average total assets | $621,327,000 | 1,458 |
| Average earning assets | $572,713,000 | 1,467 |
| Average equity | $57,712,500 | 1,533 |
| Average total loans | $334,262,000 | 1,577 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 1,369 |
| Cost of funding earning assets | 0.3157% | 2,242 |
| Net interest margin | 3.6783% | 1,269 |
| Noninterest income to average assets | 0.3554% | 3,311 |
| Noninterest expense to average assets | 2.3194% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1126% | 2,235 |
| Return on assets (ROA) | 1.1165% | 2,288 |
| Pretax return on assets | 1.3964% | 2,066 |
| Return on Equity (ROE) | 10.9346% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.6076% | 1,016 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5024% | 2,793 |
| Assets per employee ($millions) | 6.9787% | 1,942 |
| Cash dividends to net income (ytd only)* | 12.1359% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,094 |
| Loan loss allowance to noncurrent loans | 21,561.1111% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,154 |
| Noncurrent loans to loans | 0.0054% | 4,068 |
| Net loans and leases to total assets | 54.6548% | 2,772 |
| Net loans and leases to deposits | 60.8109% | 3,004 |
| Net loans and leases to core deposits | 65.2945% | 2,881 |
| Total domestic deposits to total assets | 89.8767% | 1,015 |
| Equity capital to assets | 9.6743% | 2,969 |
| Core capital (leverage) ratio | 9.0333% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2349% | 1,761 |
| Memoranda: | ||
| Average total assets | $553,502,600 | 1,565 |
| Average earning assets | $504,937,400 | 1,590 |
| Average equity | $56,517,600 | 1,599 |
| Average total loans | $325,556,400 | 1,608 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 1,124 |
| Cost of funding earning assets | 0.3350% | 2,251 |
| Net interest margin | 3.8570% | 1,015 |
| Noninterest income to average assets | 0.3535% | 3,337 |
| Noninterest expense to average assets | 2.3672% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1975% | 2,179 |
| Return on assets (ROA) | 1.2012% | 2,226 |
| Pretax return on assets | 1.5009% | 1,986 |
| Return on Equity (ROE) | 11.5931% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.8063% | 1,381 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2716% | 2,793 |
| Assets per employee ($millions) | 6.6738% | 2,119 |
| Cash dividends to net income (ytd only)* | 15.4131% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.2413% | 2,456 |
| Net loans and leases to deposits | 65.0398% | 2,730 |
| Net loans and leases to core deposits | 69.4591% | 2,641 |
| Total domestic deposits to total assets | 89.5471% | 983 |
| Equity capital to assets | 9.9840% | 2,918 |
| Core capital (leverage) ratio | 9.4571% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0059% | 1,969 |
| Memoranda: | ||
| Average total assets | $540,092,500 | 1,607 |
| Average earning assets | $491,498,250 | 1,642 |
| Average equity | $55,962,750 | 1,626 |
| Average total loans | $323,017,000 | 1,643 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 772 |
| Cost of funding earning assets | 0.3642% | 2,188 |
| Net interest margin | 4.0992% | 695 |
| Noninterest income to average assets | 0.3608% | 3,295 |
| Noninterest expense to average assets | 2.4399% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3220% | 1,795 |
| Return on assets (ROA) | 1.3259% | 1,851 |
| Pretax return on assets | 1.6617% | 1,583 |
| Return on Equity (ROE) | 12.6270% | 1,842 |
| Retained earnings to average equity (ytd only) | 9.9143% | 1,420 |
| Net charge-offs to loans | -0.0013% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5587% | 3,072 |
| Assets per employee ($millions) | 6.0427% | 2,571 |
| Cash dividends to net income (ytd only)* | 21.4838% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.6648% | 2,464 |
| Net loans and leases to deposits | 66.7564% | 2,752 |
| Net loans and leases to core deposits | 71.0479% | 2,685 |
| Total domestic deposits to total assets | 89.3768% | 1,094 |
| Equity capital to assets | 10.1825% | 2,690 |
| Core capital (leverage) ratio | 9.4597% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6954% | 1,723 |
| Memoranda: | ||
| Average total assets | $526,583,000 | 1,638 |
| Average earning assets | $479,893,667 | 1,666 |
| Average equity | $55,294,000 | 1,635 |
| Average total loans | $316,675,333 | 1,670 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 648 |
| Cost of funding earning assets | 0.4044% | 2,058 |
| Net interest margin | 4.2092% | 591 |
| Noninterest income to average assets | 0.3712% | 3,242 |
| Noninterest expense to average assets | 2.4395% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4060% | 1,562 |
| Return on assets (ROA) | 1.4135% | 1,607 |
| Pretax return on assets | 1.7714% | 1,352 |
| Return on Equity (ROE) | 13.2437% | 1,607 |
| Retained earnings to average equity (ytd only) | 7.7529% | 2,333 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0621% | 3,292 |
| Assets per employee ($millions) | 6.1026% | 2,491 |
| Cash dividends to net income (ytd only)* | 41.4594% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,189 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.7142% | 2,829 |
| Net loans and leases to deposits | 64.6766% | 3,063 |
| Net loans and leases to core deposits | 69.1697% | 2,949 |
| Total domestic deposits to total assets | 89.2351% | 1,214 |
| Equity capital to assets | 10.2158% | 2,508 |
| Core capital (leverage) ratio | 9.6056% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0415% | 1,559 |
| Memoranda: | ||
| Average total assets | $511,911,500 | 1,659 |
| Average earning assets | $465,833,000 | 1,697 |
| Average equity | $54,637,500 | 1,643 |
| Average total loans | $307,225,500 | 1,708 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,326 |
| Cost of funding earning assets | 0.5735% | 2,487 |
| Net interest margin | 3.9205% | 1,161 |
| Noninterest income to average assets | 0.3817% | 3,202 |
| Noninterest expense to average assets | 2.5080% | 2,823 |
| Loan and lease loss provision to assets | 0.0866% | 3,279 |
| Net operating income to assets | 1.1018% | 1,922 |
| Return on assets (ROA) | 1.1058% | 2,022 |
| Pretax return on assets | 1.3506% | 1,816 |
| Return on Equity (ROE) | 9.8576% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.8576% | 616 |
| Net charge-offs to loans | -0.0054% | 4,158 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6504% | 2,873 |
| Assets per employee ($millions) | 5.3494% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,456 |
| Loan loss allowance to noncurrent loans | 17,640.9091% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,238 |
| Noncurrent loans to loans | 0.0073% | 4,361 |
| Net loans and leases to total assets | 60.9595% | 2,737 |
| Net loans and leases to deposits | 69.0213% | 2,977 |
| Net loans and leases to core deposits | 75.0940% | 2,810 |
| Total domestic deposits to total assets | 88.3199% | 1,317 |
| Equity capital to assets | 11.1779% | 2,115 |
| Core capital (leverage) ratio | 9.9790% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0446% | 1,514 |
| Memoranda: | ||
| Average total assets | $461,637,400 | 1,664 |
| Average earning assets | $419,026,600 | 1,696 |
| Average equity | $51,787,200 | 1,638 |
| Average total loans | $296,812,800 | 1,695 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,172 |
| Cost of funding earning assets | 0.6028% | 2,594 |
| Net interest margin | 4.0542% | 991 |
| Noninterest income to average assets | 0.3763% | 3,202 |
| Noninterest expense to average assets | 2.5108% | 2,804 |
| Loan and lease loss provision to assets | 0.1171% | 2,861 |
| Net operating income to assets | 1.1577% | 1,795 |
| Return on assets (ROA) | 1.1622% | 1,891 |
| Pretax return on assets | 1.4424% | 1,597 |
| Return on Equity (ROE) | 10.3497% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.3497% | 694 |
| Net charge-offs to loans | -0.0072% | 4,147 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7706% | 3,111 |
| Assets per employee ($millions) | 5.5537% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,398 |
| Loan loss allowance to noncurrent loans | 1,764.0909% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,097 |
| Noncurrent loans to loans | 0.0708% | 4,090 |
| Net loans and leases to total assets | 63.5385% | 2,822 |
| Net loans and leases to deposits | 71.8822% | 3,141 |
| Net loans and leases to core deposits | 77.9193% | 3,016 |
| Total domestic deposits to total assets | 88.3925% | 1,017 |
| Equity capital to assets | 11.0659% | 2,351 |
| Core capital (leverage) ratio | 9.6762% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0035% | 1,827 |
| Memoranda: | ||
| Average total assets | $455,348,750 | 1,659 |
| Average earning assets | $414,277,000 | 1,691 |
| Average equity | $51,130,750 | 1,652 |
| Average total loans | $295,859,250 | 1,697 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 885 |
| Cost of funding earning assets | 0.6401% | 2,758 |
| Net interest margin | 4.3211% | 716 |
| Noninterest income to average assets | 0.3816% | 3,195 |
| Noninterest expense to average assets | 2.6807% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3029% | 1,348 |
| Return on assets (ROA) | 1.3029% | 1,456 |
| Pretax return on assets | 1.6177% | 1,188 |
| Return on Equity (ROE) | 11.5427% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.5427% | 524 |
| Net charge-offs to loans | -0.0110% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3657% | 3,064 |
| Assets per employee ($millions) | 5.6826% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,611.5741% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,200 |
| Noncurrent loans to loans | 0.0708% | 4,179 |
| Net loans and leases to total assets | 61.0166% | 3,210 |
| Net loans and leases to deposits | 73.7303% | 3,102 |
| Net loans and leases to core deposits | 79.4638% | 2,990 |
| Total domestic deposits to total assets | 82.7565% | 3,163 |
| Equity capital to assets | 10.6215% | 2,643 |
| Core capital (leverage) ratio | 9.8335% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0489% | 1,794 |
| Memoranda: | ||
| Average total assets | $446,075,000 | 1,665 |
| Average earning assets | $404,341,000 | 1,696 |
| Average equity | $50,352,000 | 1,664 |
| Average total loans | $290,852,333 | 1,703 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 1,189 |
| Cost of funding earning assets | 0.7370% | 2,745 |
| Net interest margin | 4.1638% | 992 |
| Noninterest income to average assets | 0.4124% | 3,013 |
| Noninterest expense to average assets | 2.9569% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9784% | 2,254 |
| Return on assets (ROA) | 0.9784% | 2,355 |
| Pretax return on assets | 1.2050% | 2,178 |
| Return on Equity (ROE) | 8.3779% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.3779% | 1,128 |
| Net charge-offs to loans | -0.0211% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0478% | 2,211 |
| Assets per employee ($millions) | 5.1072% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,630 |
| Loan loss allowance to noncurrent loans | 1,611.1111% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,013 |
| Noncurrent loans to loans | 0.0749% | 4,219 |
| Net loans and leases to total assets | 67.2020% | 2,672 |
| Net loans and leases to deposits | 76.7605% | 3,005 |
| Net loans and leases to core deposits | 81.5354% | 3,059 |
| Total domestic deposits to total assets | 87.5476% | 1,307 |
| Equity capital to assets | 11.7626% | 2,242 |
| Core capital (leverage) ratio | 10.3189% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4732% | 1,763 |
| Memoranda: | ||
| Average total assets | $421,921,500 | 1,703 |
| Average earning assets | $379,941,000 | 1,736 |
| Average equity | $49,272,500 | 1,684 |
| Average total loans | $283,710,500 | 1,696 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 1,786 |
| Cost of funding earning assets | 0.7320% | 3,009 |
| Net interest margin | 4.1573% | 1,405 |
| Noninterest income to average assets | 0.4320% | 3,095 |
| Noninterest expense to average assets | 2.9287% | 2,215 |
| Loan and lease loss provision to assets | -0.0122% | 4,940 |
| Net operating income to assets | 1.0310% | 2,728 |
| Return on assets (ROA) | 1.0310% | 2,822 |
| Pretax return on assets | 1.2754% | 2,597 |
| Return on Equity (ROE) | 9.1041% | 2,707 |
| Retained earnings to average equity (ytd only) | 7.8146% | 1,037 |
| Net charge-offs to loans | 0.0349% | 2,690 |
| Credit loss provision to net charge-offs | -53.1915% | 4,169 |
| Earnings coverage of net charge-offs (x) | 55.2128% | 1,041 |
| Efficiency ratio | 69.8659% | 2,192 |
| Assets per employee ($millions) | 4.7721% | 2,866 |
| Cash dividends to net income (ytd only)* | 14.1643% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,219 |
| Loan loss allowance to noncurrent loans | 1,046.8278% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,971 |
| Noncurrent loans to loans | 0.1186% | 4,062 |
| Net loans and leases to total assets | 65.6296% | 2,995 |
| Net loans and leases to deposits | 74.7591% | 3,283 |
| Net loans and leases to core deposits | 79.4492% | 3,346 |
| Total domestic deposits to total assets | 87.7880% | 1,236 |
| Equity capital to assets | 11.5929% | 2,436 |
| Core capital (leverage) ratio | 10.7381% | 2,728 |
| Tier 1 risk-based capital ratio | 14.2186% | 3,160 |
| Total risk-based capital ratio | 15.4687% | 3,072 |
| Memoranda: | ||
| Average total assets | $410,862,200 | 1,711 |
| Average earning assets | $371,583,600 | 1,744 |
| Average equity | $46,528,400 | 1,705 |
| Average total loans | $269,726,200 | 1,732 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 1,815 |
| Cost of funding earning assets | 0.7271% | 3,081 |
| Net interest margin | 4.1746% | 1,436 |
| Noninterest income to average assets | 0.4373% | 3,092 |
| Noninterest expense to average assets | 2.9062% | 2,244 |
| Loan and lease loss provision to assets | 0.0653% | 2,587 |
| Net operating income to assets | 1.0024% | 2,971 |
| Return on assets (ROA) | 1.0024% | 3,050 |
| Pretax return on assets | 1.2465% | 2,828 |
| Return on Equity (ROE) | 8.9062% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.1667% | 1,778 |
| Net charge-offs to loans | 0.0444% | 2,202 |
| Credit loss provision to net charge-offs | 224.7191% | 1,199 |
| Earnings coverage of net charge-offs (x) | 45.1700% | 1,264 |
| Efficiency ratio | 68.8999% | 2,271 |
| Assets per employee ($millions) | 4.6196% | 3,016 |
| Cash dividends to net income (ytd only)* | 19.5312% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,499 |
| Loan loss allowance to noncurrent loans | 1,888.3249% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,185 |
| Noncurrent loans to loans | 0.0752% | 4,305 |
| Net loans and leases to total assets | 63.5103% | 3,337 |
| Net loans and leases to deposits | 72.4462% | 3,594 |
| Net loans and leases to core deposits | 76.0249% | 3,697 |
| Total domestic deposits to total assets | 87.6655% | 1,183 |
| Equity capital to assets | 11.7085% | 2,497 |
| Core capital (leverage) ratio | 10.6236% | 2,993 |
| Tier 1 risk-based capital ratio | 14.3557% | 3,153 |
| Total risk-based capital ratio | 15.6062% | 3,058 |
| Memoranda: | ||
| Average total assets | $408,590,750 | 1,728 |
| Average earning assets | $370,040,500 | 1,762 |
| Average equity | $45,989,500 | 1,721 |
| Average total loans | $267,389,000 | 1,753 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 1,921 |
| Cost of funding earning assets | 0.7143% | 3,086 |
| Net interest margin | 4.1286% | 1,524 |
| Noninterest income to average assets | 0.4383% | 3,021 |
| Noninterest expense to average assets | 2.9300% | 2,194 |
| Loan and lease loss provision to assets | 0.0977% | 1,909 |
| Net operating income to assets | 0.9246% | 3,192 |
| Return on assets (ROA) | 0.9246% | 3,251 |
| Pretax return on assets | 1.1557% | 3,058 |
| Return on Equity (ROE) | 8.3250% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.6850% | 2,428 |
| Net charge-offs to loans | 0.0163% | 2,566 |
| Credit loss provision to net charge-offs | 909.0909% | 373 |
| Earnings coverage of net charge-offs (x) | 116.5909% | 618 |
| Efficiency ratio | 70.0385% | 2,220 |
| Assets per employee ($millions) | 4.7456% | 2,808 |
| Cash dividends to net income (ytd only)* | 31.7125% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,522 |
| Loan loss allowance to noncurrent loans | 2,254.1667% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,364 |
| Noncurrent loans to loans | 0.0631% | 4,403 |
| Net loans and leases to total assets | 63.5983% | 3,384 |
| Net loans and leases to deposits | 72.1401% | 3,678 |
| Net loans and leases to core deposits | 75.8708% | 3,741 |
| Total domestic deposits to total assets | 88.1595% | 1,025 |
| Equity capital to assets | 11.2582% | 2,810 |
| Core capital (leverage) ratio | 10.3039% | 3,281 |
| Tier 1 risk-based capital ratio | 13.9363% | 3,349 |
| Total risk-based capital ratio | 15.1870% | 3,259 |
| Memoranda: | ||
| Average total assets | $409,279,000 | 1,726 |
| Average earning assets | $371,260,000 | 1,758 |
| Average equity | $45,453,330 | 1,731 |
| Average total loans | $269,216,670 | 1,755 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,761 |
| Cost of funding earning assets | 0.7141% | 2,981 |
| Net interest margin | 4.1379% | 1,457 |
| Noninterest income to average assets | 0.4250% | 3,011 |
| Noninterest expense to average assets | 2.9802% | 2,049 |
| Loan and lease loss provision to assets | 0.1178% | 1,489 |
| Net operating income to assets | 0.8501% | 3,451 |
| Return on assets (ROA) | 0.8501% | 3,496 |
| Pretax return on assets | 1.0641% | 3,258 |
| Return on Equity (ROE) | 7.7082% | 3,374 |
| Retained earnings to average equity (ytd only) | 2.3677% | 3,963 |
| Net charge-offs to loans | 0.0355% | 1,758 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 50.1667% | 1,024 |
| Efficiency ratio | 71.6038% | 2,096 |
| Assets per employee ($millions) | 4.8175% | 2,769 |
| Cash dividends to net income (ytd only)* | 69.2841% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,641 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 64.3501% | 3,242 |
| Net loans and leases to deposits | 72.7841% | 3,547 |
| Net loans and leases to core deposits | 76.3197% | 3,641 |
| Total domestic deposits to total assets | 88.4124% | 1,125 |
| Equity capital to assets | 11.0257% | 2,828 |
| Core capital (leverage) ratio | 10.0590% | 3,536 |
| Tier 1 risk-based capital ratio | 13.6182% | 3,542 |
| Total risk-based capital ratio | 14.8686% | 3,457 |
| Memoranda: | ||
| Average total assets | $407,483,000 | 1,743 |
| Average earning assets | $368,016,500 | 1,779 |
| Average equity | $44,939,000 | 1,734 |
| Average total loans | $270,642,000 | 1,760 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 1,282 |
| Cost of funding earning assets | 0.4989% | 3,368 |
| Net interest margin | 4.4027% | 933 |
| Noninterest income to average assets | 0.3891% | 3,502 |
| Noninterest expense to average assets | 2.7913% | 2,724 |
| Loan and lease loss provision to assets | 0.1476% | 1,444 |
| Net operating income to assets | 1.1484% | 2,395 |
| Return on assets (ROA) | 1.1484% | 2,393 |
| Pretax return on assets | 1.4046% | 2,122 |
| Return on Equity (ROE) | 10.6494% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.2313% | 797 |
| Net charge-offs to loans | 0.0011% | 3,738 |
| Credit loss provision to net charge-offs | 19,366.6667% | 22 |
| Earnings coverage of net charge-offs (x) | 2,037.0000% | 44 |
| Efficiency ratio | 64.2632% | 3,150 |
| Assets per employee ($millions) | 4.7149% | 2,852 |
| Cash dividends to net income (ytd only)* | 13.3156% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,515 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.7025% | 3,039 |
| Net loans and leases to deposits | 75.4071% | 3,395 |
| Net loans and leases to core deposits | 79.5017% | 3,462 |
| Total domestic deposits to total assets | 88.4566% | 1,091 |
| Equity capital to assets | 11.0312% | 2,653 |
| Core capital (leverage) ratio | 9.9847% | 3,594 |
| Tier 1 risk-based capital ratio | 13.3417% | 3,637 |
| Total risk-based capital ratio | 14.5869% | 3,531 |
| Memoranda: | ||
| Average total assets | $393,694,400 | 1,744 |
| Average earning assets | $353,597,800 | 1,793 |
| Average equity | $42,453,200 | 1,763 |
| Average total loans | $272,290,400 | 1,713 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 1,369 |
| Cost of funding earning assets | 0.4422% | 3,583 |
| Net interest margin | 4.3799% | 943 |
| Noninterest income to average assets | 0.3924% | 3,529 |
| Noninterest expense to average assets | 2.8144% | 2,593 |
| Loan and lease loss provision to assets | 0.1573% | 1,241 |
| Net operating income to assets | 1.0817% | 2,743 |
| Return on assets (ROA) | 1.0817% | 2,753 |
| Pretax return on assets | 1.3577% | 2,390 |
| Return on Equity (ROE) | 10.0910% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.1747% | 1,570 |
| Net charge-offs to loans | 0.0167% | 2,839 |
| Credit loss provision to net charge-offs | 1,355.8824% | 299 |
| Earnings coverage of net charge-offs (x) | 130.5945% | 621 |
| Efficiency ratio | 65.0063% | 3,034 |
| Assets per employee ($millions) | 4.8277% | 2,684 |
| Cash dividends to net income (ytd only)* | 18.9906% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,394 |
| Loan loss allowance to noncurrent loans | 680.7087% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 3,975 |
| Noncurrent loans to loans | 0.1825% | 4,073 |
| Net loans and leases to total assets | 69.4340% | 2,731 |
| Net loans and leases to deposits | 78.4195% | 3,198 |
| Net loans and leases to core deposits | 83.0698% | 3,241 |
| Total domestic deposits to total assets | 88.5418% | 1,034 |
| Equity capital to assets | 10.9163% | 2,736 |
| Core capital (leverage) ratio | 9.9181% | 3,722 |
| Tier 1 risk-based capital ratio | 12.9197% | 3,954 |
| Total risk-based capital ratio | 14.1172% | 3,886 |
| Memoranda: | ||
| Average total assets | $390,748,500 | 1,762 |
| Average earning assets | $351,232,500 | 1,810 |
| Average equity | $41,884,250 | 1,792 |
| Average total loans | $271,844,750 | 1,717 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 1,272 |
| Cost of funding earning assets | 0.3966% | 3,745 |
| Net interest margin | 4.3950% | 857 |
| Noninterest income to average assets | 0.3984% | 3,501 |
| Noninterest expense to average assets | 2.7601% | 2,807 |
| Loan and lease loss provision to assets | 0.1753% | 1,037 |
| Net operating income to assets | 1.1151% | 2,531 |
| Return on assets (ROA) | 1.1151% | 2,536 |
| Pretax return on assets | 1.3993% | 2,148 |
| Return on Equity (ROE) | 10.4680% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.5626% | 1,815 |
| Net charge-offs to loans | 0.0007% | 3,192 |
| Credit loss provision to net charge-offs | 34,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 3,063.0000% | 18 |
| Efficiency ratio | 63.6741% | 3,364 |
| Assets per employee ($millions) | 4.6408% | 2,901 |
| Cash dividends to net income (ytd only)* | 27.7547% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,682 |
| Loan loss allowance to noncurrent loans | 663.5827% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 3,994 |
| Noncurrent loans to loans | 0.1816% | 4,092 |
| Net loans and leases to total assets | 70.9095% | 2,447 |
| Net loans and leases to deposits | 79.9686% | 2,960 |
| Net loans and leases to core deposits | 84.5789% | 3,033 |
| Total domestic deposits to total assets | 88.6717% | 1,070 |
| Equity capital to assets | 10.8363% | 2,798 |
| Core capital (leverage) ratio | 9.8767% | 3,706 |
| Tier 1 risk-based capital ratio | 12.5420% | 4,155 |
| Total risk-based capital ratio | 13.7063% | 4,108 |
| Memoranda: | ||
| Average total assets | $389,039,670 | 1,774 |
| Average earning assets | $348,440,330 | 1,824 |
| Average equity | $41,440,670 | 1,810 |
| Average total loans | $269,683,000 | 1,733 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,288 |
| Cost of funding earning assets | 0.3696% | 3,836 |
| Net interest margin | 4.3390% | 881 |
| Noninterest income to average assets | 0.3952% | 3,504 |
| Noninterest expense to average assets | 2.8622% | 2,490 |
| Loan and lease loss provision to assets | 0.1235% | 1,523 |
| Net operating income to assets | 1.0066% | 2,833 |
| Return on assets (ROA) | 1.0066% | 2,850 |
| Pretax return on assets | 1.2639% | 2,496 |
| Return on Equity (ROE) | 9.5323% | 2,666 |
| Retained earnings to average equity (ytd only) | 3.6843% | 3,722 |
| Net charge-offs to loans | 0.0045% | 2,575 |
| Credit loss provision to net charge-offs | 4,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 449.3333% | 143 |
| Efficiency ratio | 67.3529% | 2,944 |
| Assets per employee ($millions) | 4.6621% | 2,911 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,977 |
| Loan loss allowance to noncurrent loans | 518.6161% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,957 |
| Noncurrent loans to loans | 0.2256% | 3,970 |
| Net loans and leases to total assets | 68.7240% | 2,668 |
| Net loans and leases to deposits | 77.3468% | 3,078 |
| Net loans and leases to core deposits | 80.4461% | 3,287 |
| Total domestic deposits to total assets | 88.8518% | 1,176 |
| Equity capital to assets | 10.6204% | 2,950 |
| Core capital (leverage) ratio | 9.6605% | 3,891 |
| Tier 1 risk-based capital ratio | 12.5109% | 4,231 |
| Total risk-based capital ratio | 13.6684% | 4,190 |
| Memoranda: | ||
| Average total assets | $388,645,500 | 1,784 |
| Average earning assets | $345,244,500 | 1,851 |
| Average equity | $41,039,500 | 1,828 |
| Average total loans | $264,626,500 | 1,772 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,382 |
| Cost of funding earning assets | 0.2733% | 4,374 |
| Net interest margin | 4.3428% | 878 |
| Noninterest income to average assets | 0.4068% | 3,591 |
| Noninterest expense to average assets | 2.9253% | 2,371 |
| Loan and lease loss provision to assets | 0.0665% | 2,881 |
| Net operating income to assets | 0.7928% | 3,195 |
| Return on assets (ROA) | 0.7928% | 3,241 |
| Pretax return on assets | 1.2986% | 2,357 |
| Return on Equity (ROE) | 7.2003% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.2003% | 1,008 |
| Net charge-offs to loans | -0.0053% | 4,654 |
| Credit loss provision to net charge-offs | -1,846.1538% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1824% | 2,858 |
| Assets per employee ($millions) | 4.4867% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,984 |
| Loan loss allowance to noncurrent loans | 499.3410% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 4,001 |
| Noncurrent loans to loans | 0.2333% | 3,966 |
| Net loans and leases to total assets | 65.8774% | 3,118 |
| Net loans and leases to deposits | 74.0634% | 3,519 |
| Net loans and leases to core deposits | 76.3365% | 3,713 |
| Total domestic deposits to total assets | 88.9473% | 1,027 |
| Equity capital to assets | 10.4993% | 3,171 |
| Core capital (leverage) ratio | 9.8288% | 3,663 |
| Tier 1 risk-based capital ratio | 12.7373% | 4,072 |
| Total risk-based capital ratio | 13.8870% | 4,015 |
| Memoranda: | ||
| Average total assets | $360,852,600 | 1,863 |
| Average earning assets | $322,697,400 | 1,925 |
| Average equity | $39,734,200 | 1,869 |
| Average total loans | $246,036,600 | 1,842 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 1,431 |
| Cost of funding earning assets | 0.2602% | 4,476 |
| Net interest margin | 4.3174% | 882 |
| Noninterest income to average assets | 0.4142% | 3,594 |
| Noninterest expense to average assets | 2.9534% | 2,242 |
| Loan and lease loss provision to assets | 0.0679% | 2,717 |
| Net operating income to assets | 0.9007% | 3,022 |
| Return on assets (ROA) | 0.9007% | 3,079 |
| Pretax return on assets | 1.2787% | 2,589 |
| Return on Equity (ROE) | 8.0765% | 3,086 |
| Retained earnings to average equity (ytd only) | 8.0765% | 1,185 |
| Net charge-offs to loans | -0.0066% | 4,515 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6842% | 2,756 |
| Assets per employee ($millions) | 4.3199% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,050 |
| Loan loss allowance to noncurrent loans | 496.6555% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 4,082 |
| Noncurrent loans to loans | 0.2371% | 4,108 |
| Net loans and leases to total assets | 68.7009% | 2,739 |
| Net loans and leases to deposits | 77.8452% | 3,184 |
| Net loans and leases to core deposits | 80.1606% | 3,442 |
| Total domestic deposits to total assets | 88.2532% | 1,228 |
| Equity capital to assets | 11.2169% | 2,651 |
| Core capital (leverage) ratio | 9.9980% | 3,564 |
| Tier 1 risk-based capital ratio | 13.1052% | 3,939 |
| Total risk-based capital ratio | 14.2814% | 3,898 |
| Memoranda: | ||
| Average total assets | $353,481,000 | 1,907 |
| Average earning assets | $318,148,500 | 1,959 |
| Average equity | $39,422,000 | 1,895 |
| Average total loans | $242,501,750 | 1,875 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 1,577 |
| Cost of funding earning assets | 0.2376% | 4,660 |
| Net interest margin | 4.2406% | 993 |
| Noninterest income to average assets | 0.4207% | 3,557 |
| Noninterest expense to average assets | 2.9530% | 2,257 |
| Loan and lease loss provision to assets | 0.0685% | 2,598 |
| Net operating income to assets | 0.8677% | 3,083 |
| Return on assets (ROA) | 0.8677% | 3,137 |
| Pretax return on assets | 1.2296% | 2,660 |
| Return on Equity (ROE) | 7.7959% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.7959% | 1,240 |
| Net charge-offs to loans | -0.0075% | 4,443 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4642% | 2,772 |
| Assets per employee ($millions) | 4.2135% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,108 |
| Loan loss allowance to noncurrent loans | 338.4168% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 3,857 |
| Noncurrent loans to loans | 0.3505% | 3,778 |
| Net loans and leases to total assets | 66.8381% | 2,981 |
| Net loans and leases to deposits | 75.5164% | 3,400 |
| Net loans and leases to core deposits | 77.3548% | 3,648 |
| Total domestic deposits to total assets | 88.5081% | 1,201 |
| Equity capital to assets | 11.0057% | 2,799 |
| Core capital (leverage) ratio | 10.2018% | 3,273 |
| Tier 1 risk-based capital ratio | 13.1895% | 3,890 |
| Total risk-based capital ratio | 14.3789% | 3,836 |
| Memoranda: | ||
| Average total assets | $350,350,330 | 1,925 |
| Average earning assets | $316,466,330 | 1,974 |
| Average equity | $38,995,000 | 1,913 |
| Average total loans | $239,246,670 | 1,894 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,368 |
| Cost of funding earning assets | 0.2289% | 4,728 |
| Net interest margin | 4.2733% | 842 |
| Noninterest income to average assets | 0.4426% | 3,355 |
| Noninterest expense to average assets | 2.9749% | 2,226 |
| Loan and lease loss provision to assets | 0.0697% | 2,414 |
| Net operating income to assets | 0.8875% | 2,828 |
| Return on assets (ROA) | 0.8875% | 2,873 |
| Pretax return on assets | 1.2580% | 2,390 |
| Return on Equity (ROE) | 7.9269% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.9269% | 1,491 |
| Net charge-offs to loans | -0.0186% | 4,698 |
| Credit loss provision to net charge-offs | -545.4545% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1415% | 3,018 |
| Assets per employee ($millions) | 4.2419% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 3,157 |
| Loan loss allowance to noncurrent loans | 1,356.6667% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,819 |
| Noncurrent loans to loans | 0.0882% | 4,839 |
| Net loans and leases to total assets | 69.3522% | 2,486 |
| Net loans and leases to deposits | 78.8371% | 2,886 |
| Net loans and leases to core deposits | 80.9002% | 3,209 |
| Total domestic deposits to total assets | 87.9690% | 1,736 |
| Equity capital to assets | 11.4790% | 2,196 |
| Core capital (leverage) ratio | 10.4684% | 2,940 |
| Tier 1 risk-based capital ratio | 13.9736% | 3,496 |
| Total risk-based capital ratio | 15.1860% | 3,431 |
| Memoranda: | ||
| Average total assets | $344,346,000 | 1,967 |
| Average earning assets | $311,047,500 | 2,021 |
| Average equity | $38,552,500 | 1,938 |
| Average total loans | $236,319,500 | 1,920 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,030 |
| Cost of funding earning assets | 0.2015% | 5,000 |
| Net interest margin | 4.1334% | 1,295 |
| Noninterest income to average assets | 0.4441% | 3,582 |
| Noninterest expense to average assets | 2.8690% | 2,785 |
| Loan and lease loss provision to assets | 0.0694% | 2,966 |
| Net operating income to assets | 0.9237% | 2,705 |
| Return on assets (ROA) | 0.9421% | 2,731 |
| Pretax return on assets | 1.2875% | 2,320 |
| Return on Equity (ROE) | 8.4366% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.3840% | 3,515 |
| Net charge-offs to loans | 0.0558% | 2,930 |
| Credit loss provision to net charge-offs | 196.7213% | 1,436 |
| Earnings coverage of net charge-offs (x) | 37.7295% | 1,227 |
| Efficiency ratio | 68.2967% | 3,186 |
| Assets per employee ($millions) | 4.2603% | 3,512 |
| Cash dividends to net income (ytd only)* | 59.8894% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,206 |
| Loan loss allowance to noncurrent loans | 957.9310% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 5,010 |
| Noncurrent loans to loans | 0.1237% | 4,741 |
| Net loans and leases to total assets | 66.3148% | 3,027 |
| Net loans and leases to deposits | 74.8302% | 3,434 |
| Net loans and leases to core deposits | 76.8852% | 3,672 |
| Total domestic deposits to total assets | 88.6204% | 1,310 |
| Equity capital to assets | 10.9208% | 2,692 |
| Core capital (leverage) ratio | 10.1077% | 3,353 |
| Tier 1 risk-based capital ratio | 13.5709% | 3,724 |
| Total risk-based capital ratio | 14.7465% | 3,671 |
| Memoranda: | ||
| Average total assets | $345,627,200 | 1,919 |
| Average earning assets | $314,126,600 | 1,948 |
| Average equity | $38,593,800 | 1,905 |
| Average total loans | $218,801,200 | 1,979 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,177 |
| Cost of funding earning assets | 0.1973% | 5,097 |
| Net interest margin | 4.0981% | 1,392 |
| Noninterest income to average assets | 0.4495% | 3,559 |
| Noninterest expense to average assets | 2.8627% | 2,779 |
| Loan and lease loss provision to assets | 0.0696% | 2,824 |
| Net operating income to assets | 0.8995% | 2,911 |
| Return on assets (ROA) | 0.9237% | 2,915 |
| Pretax return on assets | 1.2861% | 2,486 |
| Return on Equity (ROE) | 8.2262% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.2262% | 1,076 |
| Net charge-offs to loans | 0.0410% | 2,817 |
| Credit loss provision to net charge-offs | 272.7273% | 1,125 |
| Earnings coverage of net charge-offs (x) | 51.7866% | 1,043 |
| Efficiency ratio | 68.4074% | 3,156 |
| Assets per employee ($millions) | 4.3986% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 3,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.7495% | 3,166 |
| Net loans and leases to deposits | 74.8825% | 3,512 |
| Net loans and leases to core deposits | 77.2742% | 3,725 |
| Total domestic deposits to total assets | 87.8036% | 1,504 |
| Equity capital to assets | 11.6458% | 2,405 |
| Core capital (leverage) ratio | 10.5795% | 2,900 |
| Tier 1 risk-based capital ratio | 14.2755% | 3,415 |
| Total risk-based capital ratio | 15.4735% | 3,371 |
| Memoranda: | ||
| Average total assets | $344,698,250 | 1,925 |
| Average earning assets | $314,184,250 | 1,951 |
| Average equity | $38,704,500 | 1,904 |
| Average total loans | $214,890,500 | 2,013 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,426 |
| Cost of funding earning assets | 0.1952% | 5,193 |
| Net interest margin | 4.0305% | 1,553 |
| Noninterest income to average assets | 0.4582% | 3,466 |
| Noninterest expense to average assets | 2.8584% | 2,810 |
| Loan and lease loss provision to assets | 0.0695% | 2,752 |
| Net operating income to assets | 0.8684% | 3,013 |
| Return on assets (ROA) | 0.8684% | 3,127 |
| Pretax return on assets | 1.2027% | 2,771 |
| Return on Equity (ROE) | 7.8303% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.8303% | 1,228 |
| Net charge-offs to loans | 0.0637% | 2,287 |
| Credit loss provision to net charge-offs | 179.1045% | 1,407 |
| Earnings coverage of net charge-offs (x) | 32.7761% | 1,327 |
| Efficiency ratio | 69.2006% | 3,117 |
| Assets per employee ($millions) | 4.2552% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,976 |
| Loan loss allowance to noncurrent loans | 4,677.5862% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,535 |
| Noncurrent loans to loans | 0.0271% | 5,362 |
| Net loans and leases to total assets | 62.1022% | 3,615 |
| Net loans and leases to deposits | 70.5904% | 3,929 |
| Net loans and leases to core deposits | 72.8866% | 4,097 |
| Total domestic deposits to total assets | 87.9755% | 1,443 |
| Equity capital to assets | 11.5375% | 2,505 |
| Core capital (leverage) ratio | 10.5039% | 2,971 |
| Tier 1 risk-based capital ratio | 14.3090% | 3,427 |
| Total risk-based capital ratio | 15.5153% | 3,377 |
| Memoranda: | ||
| Average total assets | $345,233,330 | 1,929 |
| Average earning assets | $314,555,330 | 1,965 |
| Average equity | $38,287,330 | 1,924 |
| Average total loans | $210,402,000 | 2,048 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 2,565 |
| Cost of funding earning assets | 0.1955% | 5,244 |
| Net interest margin | 3.9788% | 1,678 |
| Noninterest income to average assets | 0.4902% | 3,196 |
| Noninterest expense to average assets | 2.8708% | 2,806 |
| Loan and lease loss provision to assets | 0.0690% | 2,574 |
| Net operating income to assets | 0.8537% | 2,976 |
| Return on assets (ROA) | 0.8537% | 3,101 |
| Pretax return on assets | 1.1794% | 2,783 |
| Return on Equity (ROE) | 7.8532% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.8532% | 1,522 |
| Net charge-offs to loans | 0.0192% | 2,550 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 509 |
| Efficiency ratio | 69.6927% | 3,186 |
| Assets per employee ($millions) | 4.5627% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,025 |
| Loan loss allowance to noncurrent loans | 4,672.4138% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,585 |
| Noncurrent loans to loans | 0.0273% | 5,387 |
| Net loans and leases to total assets | 61.3067% | 3,619 |
| Net loans and leases to deposits | 69.4498% | 3,902 |
| Net loans and leases to core deposits | 71.4536% | 4,110 |
| Total domestic deposits to total assets | 88.2747% | 1,488 |
| Equity capital to assets | 11.1975% | 2,729 |
| Core capital (leverage) ratio | 10.0166% | 3,522 |
| Tier 1 risk-based capital ratio | 14.0606% | 3,649 |
| Total risk-based capital ratio | 15.2709% | 3,609 |
| Memoranda: | ||
| Average total assets | $347,643,500 | 1,926 |
| Average earning assets | $317,079,500 | 1,952 |
| Average equity | $37,793,500 | 1,945 |
| Average total loans | $208,544,500 | 2,065 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 3,482 |
| Cost of funding earning assets | 0.1709% | 5,525 |
| Net interest margin | 3.7864% | 2,420 |
| Noninterest income to average assets | 0.6577% | 2,420 |
| Noninterest expense to average assets | 2.6024% | 3,914 |
| Loan and lease loss provision to assets | 0.0679% | 2,934 |
| Net operating income to assets | 1.0114% | 2,300 |
| Return on assets (ROA) | 1.0651% | 2,144 |
| Pretax return on assets | 1.4881% | 1,594 |
| Return on Equity (ROE) | 10.5992% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.1924% | 609 |
| Net charge-offs to loans | 0.0216% | 3,836 |
| Credit loss provision to net charge-offs | 558.1395% | 598 |
| Earnings coverage of net charge-offs (x) | 121.8372% | 496 |
| Efficiency ratio | 63.7264% | 4,326 |
| Assets per employee ($millions) | 4.5267% | 2,997 |
| Cash dividends to net income (ytd only)* | 13.2732% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,900 |
| Loan loss allowance to noncurrent loans | 869.2810% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,280 |
| Noncurrent loans to loans | 0.1496% | 4,898 |
| Net loans and leases to total assets | 57.1892% | 4,173 |
| Net loans and leases to deposits | 64.2419% | 4,453 |
| Net loans and leases to core deposits | 65.9696% | 4,596 |
| Total domestic deposits to total assets | 89.0217% | 1,109 |
| Equity capital to assets | 10.5552% | 3,298 |
| Core capital (leverage) ratio | 9.8292% | 3,736 |
| Tier 1 risk-based capital ratio | 13.6490% | 3,919 |
| Total risk-based capital ratio | 14.8295% | 3,892 |
| Memoranda: | ||
| Average total assets | $353,673,600 | 1,849 |
| Average earning assets | $320,015,200 | 1,889 |
| Average equity | $35,540,400 | 2,004 |
| Average total loans | $199,001,000 | 2,078 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 3,586 |
| Cost of funding earning assets | 0.1695% | 5,636 |
| Net interest margin | 3.7702% | 2,491 |
| Noninterest income to average assets | 0.4337% | 3,841 |
| Noninterest expense to average assets | 2.5387% | 4,085 |
| Loan and lease loss provision to assets | 0.0678% | 2,822 |
| Net operating income to assets | 0.8751% | 3,063 |
| Return on assets (ROA) | 0.9296% | 2,897 |
| Pretax return on assets | 1.3076% | 2,364 |
| Return on Equity (ROE) | 9.3689% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.2296% | 1,149 |
| Net charge-offs to loans | 0.0277% | 3,389 |
| Credit loss provision to net charge-offs | 439.0244% | 709 |
| Earnings coverage of net charge-offs (x) | 84.0415% | 716 |
| Efficiency ratio | 66.1593% | 3,869 |
| Assets per employee ($millions) | 4.5000% | 3,009 |
| Cash dividends to net income (ytd only)* | 12.1605% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.3867% | 3,952 |
| Net loans and leases to deposits | 66.9392% | 4,287 |
| Net loans and leases to core deposits | 68.8216% | 4,470 |
| Total domestic deposits to total assets | 88.7174% | 1,169 |
| Equity capital to assets | 10.7815% | 3,261 |
| Core capital (leverage) ratio | 9.5277% | 4,262 |
| Tier 1 risk-based capital ratio | 13.5672% | 4,103 |
| Total risk-based capital ratio | 14.7561% | 4,066 |
| Memoranda: | ||
| Average total assets | $353,820,500 | 1,864 |
| Average earning assets | $319,410,250 | 1,908 |
| Average equity | $35,108,250 | 2,047 |
| Average total loans | $197,604,500 | 2,099 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 4,032 |
| Cost of funding earning assets | 0.1671% | 5,722 |
| Net interest margin | 3.6407% | 2,940 |
| Noninterest income to average assets | 0.4281% | 3,867 |
| Noninterest expense to average assets | 2.4567% | 4,374 |
| Loan and lease loss provision to assets | 0.0668% | 2,780 |
| Net operating income to assets | 0.8395% | 3,173 |
| Return on assets (ROA) | 0.8395% | 3,279 |
| Pretax return on assets | 1.1796% | 2,859 |
| Return on Equity (ROE) | 8.6962% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.9662% | 1,717 |
| Net charge-offs to loans | 0.0255% | 3,172 |
| Credit loss provision to net charge-offs | 480.0000% | 648 |
| Earnings coverage of net charge-offs (x) | 89.5600% | 649 |
| Efficiency ratio | 66.3410% | 3,956 |
| Assets per employee ($millions) | 4.8431% | 2,485 |
| Cash dividends to net income (ytd only)* | 19.8939% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,374 |
| Loan loss allowance to noncurrent loans | 567.1840% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,348 |
| Noncurrent loans to loans | 0.2247% | 4,882 |
| Net loans and leases to total assets | 56.0463% | 4,329 |
| Net loans and leases to deposits | 65.7999% | 4,353 |
| Net loans and leases to core deposits | 67.7497% | 4,506 |
| Total domestic deposits to total assets | 85.1769% | 3,046 |
| Equity capital to assets | 9.9785% | 4,063 |
| Core capital (leverage) ratio | 9.2166% | 4,668 |
| Tier 1 risk-based capital ratio | 13.6812% | 4,105 |
| Total risk-based capital ratio | 14.8974% | 4,061 |
| Memoranda: | ||
| Average total assets | $359,259,670 | 1,843 |
| Average earning assets | $323,183,000 | 1,898 |
| Average equity | $34,681,670 | 2,078 |
| Average total loans | $195,794,670 | 2,122 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 4,731 |
| Cost of funding earning assets | 0.1686% | 5,784 |
| Net interest margin | 3.4172% | 3,771 |
| Noninterest income to average assets | 0.4253% | 3,804 |
| Noninterest expense to average assets | 2.4666% | 4,385 |
| Loan and lease loss provision to assets | 0.0663% | 2,612 |
| Net operating income to assets | 0.6882% | 3,857 |
| Return on assets (ROA) | 0.6882% | 3,983 |
| Pretax return on assets | 0.9599% | 3,649 |
| Return on Equity (ROE) | 7.2478% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.2478% | 1,887 |
| Net charge-offs to loans | -0.0021% | 4,353 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6199% | 3,377 |
| Assets per employee ($millions) | 4.8792% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.7115% | 3,558 |
| Net loans and leases to deposits | 67.7273% | 3,985 |
| Net loans and leases to core deposits | 69.8006% | 4,173 |
| Total domestic deposits to total assets | 89.6412% | 927 |
| Equity capital to assets | 9.9222% | 4,231 |
| Core capital (leverage) ratio | 8.7574% | 5,253 |
| Tier 1 risk-based capital ratio | 14.5540% | 3,694 |
| Total risk-based capital ratio | 15.8046% | 3,619 |
| Memoranda: | ||
| Average total assets | $362,115,000 | 1,830 |
| Average earning assets | $325,058,000 | 1,896 |
| Average equity | $34,383,000 | 2,107 |
| Average total loans | $193,337,500 | 2,145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6642% | 4,895 |
| Cost of funding earning assets | 0.1998% | 5,747 |
| Net interest margin | 3.4643% | 3,925 |
| Noninterest income to average assets | 0.4508% | 3,821 |
| Noninterest expense to average assets | 2.4255% | 4,774 |
| Loan and lease loss provision to assets | 0.0547% | 3,458 |
| Net operating income to assets | 0.7655% | 3,539 |
| Return on assets (ROA) | 0.7655% | 3,645 |
| Pretax return on assets | 1.0500% | 3,303 |
| Return on Equity (ROE) | 8.2090% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.5916% | 1,163 |
| Net charge-offs to loans | -0.0060% | 5,485 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7082% | 3,768 |
| Assets per employee ($millions) | 4.7811% | 2,617 |
| Cash dividends to net income (ytd only)* | 7.5216% | 4,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 2,734 |
| Loan loss allowance to noncurrent loans | 481.0547% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 5,487 |
| Noncurrent loans to loans | 0.2996% | 4,769 |
| Net loans and leases to total assets | 45.1580% | 5,394 |
| Net loans and leases to deposits | 49.8722% | 5,583 |
| Net loans and leases to core deposits | 51.3461% | 5,644 |
| Total domestic deposits to total assets | 90.5475% | 524 |
| Equity capital to assets | 9.0927% | 5,190 |
| Core capital (leverage) ratio | 8.5281% | 5,529 |
| Tier 1 risk-based capital ratio | 14.5895% | 3,728 |
| Total risk-based capital ratio | 15.8401% | 3,655 |
| Memoranda: | ||
| Average total assets | $347,345,200 | 1,874 |
| Average earning assets | $308,746,200 | 1,947 |
| Average equity | $32,391,200 | 2,146 |
| Average total loans | $167,065,400 | 2,351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 4,912 |
| Cost of funding earning assets | 0.2057% | 5,775 |
| Net interest margin | 3.4761% | 3,917 |
| Noninterest income to average assets | 0.4603% | 3,818 |
| Noninterest expense to average assets | 2.4355% | 4,716 |
| Loan and lease loss provision to assets | 0.0626% | 3,105 |
| Net operating income to assets | 0.7485% | 3,673 |
| Return on assets (ROA) | 0.7485% | 3,769 |
| Pretax return on assets | 1.0476% | 3,392 |
| Return on Equity (ROE) | 7.9719% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.1389% | 1,742 |
| Net charge-offs to loans | -0.0080% | 5,387 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6887% | 3,728 |
| Assets per employee ($millions) | 4.6534% | 2,729 |
| Cash dividends to net income (ytd only)* | 10.4493% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 3,097 |
| Loan loss allowance to noncurrent loans | 1,175.3623% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 5,905 |
| Noncurrent loans to loans | 0.1204% | 5,568 |
| Net loans and leases to total assets | 49.2161% | 5,090 |
| Net loans and leases to deposits | 54.6429% | 5,334 |
| Net loans and leases to core deposits | 58.3092% | 5,314 |
| Total domestic deposits to total assets | 90.0686% | 705 |
| Equity capital to assets | 9.5350% | 4,749 |
| Core capital (leverage) ratio | 8.8216% | 5,306 |
| Tier 1 risk-based capital ratio | 15.1090% | 3,528 |
| Total risk-based capital ratio | 16.3602% | 3,467 |
| Memoranda: | ||
| Average total assets | $340,950,000 | 1,915 |
| Average earning assets | $302,631,250 | 1,997 |
| Average equity | $32,011,750 | 2,175 |
| Average total loans | $166,114,500 | 2,379 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 5,130 |
| Cost of funding earning assets | 0.2108% | 5,821 |
| Net interest margin | 3.3970% | 4,189 |
| Noninterest income to average assets | 0.4561% | 3,823 |
| Noninterest expense to average assets | 2.4431% | 4,762 |
| Loan and lease loss provision to assets | 0.0706% | 2,861 |
| Net operating income to assets | 0.6798% | 3,942 |
| Return on assets (ROA) | 0.6798% | 4,041 |
| Pretax return on assets | 0.9493% | 3,680 |
| Return on Equity (ROE) | 7.2784% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.2784% | 1,629 |
| Net charge-offs to loans | -0.0073% | 5,250 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5472% | 3,564 |
| Assets per employee ($millions) | 4.4287% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 3,064 |
| Loan loss allowance to noncurrent loans | 798.9967% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 5,888 |
| Noncurrent loans to loans | 0.1831% | 5,461 |
| Net loans and leases to total assets | 48.4484% | 5,137 |
| Net loans and leases to deposits | 53.9281% | 5,364 |
| Net loans and leases to core deposits | 57.6090% | 5,299 |
| Total domestic deposits to total assets | 89.8390% | 884 |
| Equity capital to assets | 9.7898% | 4,374 |
| Core capital (leverage) ratio | 8.7679% | 5,311 |
| Tier 1 risk-based capital ratio | 15.5797% | 3,310 |
| Total risk-based capital ratio | 16.8315% | 3,264 |
| Memoranda: | ||
| Average total assets | $339,815,670 | 1,918 |
| Average earning assets | $300,796,000 | 2,003 |
| Average equity | $31,737,670 | 2,171 |
| Average total loans | $164,182,670 | 2,403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5004% | 5,425 |
| Cost of funding earning assets | 0.2226% | 5,824 |
| Net interest margin | 3.2778% | 4,631 |
| Noninterest income to average assets | 0.4574% | 3,728 |
| Noninterest expense to average assets | 2.4327% | 4,836 |
| Loan and lease loss provision to assets | 0.0698% | 2,735 |
| Net operating income to assets | 0.6146% | 4,130 |
| Return on assets (ROA) | 0.6146% | 4,203 |
| Pretax return on assets | 0.8520% | 3,894 |
| Return on Equity (ROE) | 6.7373% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.7373% | 2,170 |
| Net charge-offs to loans | -0.0024% | 4,721 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5191% | 3,394 |
| Assets per employee ($millions) | 4.6758% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 3,531 |
| Loan loss allowance to noncurrent loans | 464.8000% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 5,805 |
| Noncurrent loans to loans | 0.3041% | 5,201 |
| Net loans and leases to total assets | 47.4827% | 5,191 |
| Net loans and leases to deposits | 52.5510% | 5,421 |
| Net loans and leases to core deposits | 55.9325% | 5,356 |
| Total domestic deposits to total assets | 90.3555% | 886 |
| Equity capital to assets | 9.2880% | 4,772 |
| Core capital (leverage) ratio | 8.6423% | 5,470 |
| Tier 1 risk-based capital ratio | 15.4003% | 3,501 |
| Total risk-based capital ratio | 16.6514% | 3,453 |
| Memoranda: | ||
| Average total assets | $343,648,000 | 1,908 |
| Average earning assets | $303,736,500 | 1,992 |
| Average equity | $31,348,000 | 2,187 |
| Average total loans | $164,618,500 | 2,402 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 4,373 |
| Cost of funding earning assets | 0.3115% | 5,506 |
| Net interest margin | 3.6114% | 3,416 |
| Noninterest income to average assets | 0.5142% | 3,672 |
| Noninterest expense to average assets | 2.6273% | 4,364 |
| Loan and lease loss provision to assets | 0.0752% | 3,603 |
| Net operating income to assets | 0.7628% | 3,485 |
| Return on assets (ROA) | 0.7628% | 3,581 |
| Pretax return on assets | 1.0304% | 3,228 |
| Return on Equity (ROE) | 8.0551% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.0551% | 1,037 |
| Net charge-offs to loans | 0.0095% | 5,261 |
| Credit loss provision to net charge-offs | 1,411.7647% | 175 |
| Earnings coverage of net charge-offs (x) | 207.5294% | 218 |
| Efficiency ratio | 70.3828% | 3,777 |
| Assets per employee ($millions) | 4.8050% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 3,776 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 5,586 |
| Noncurrent loans to loans | 0.4871% | 4,778 |
| Net loans and leases to total assets | 46.9923% | 5,398 |
| Net loans and leases to deposits | 51.7928% | 5,638 |
| Net loans and leases to core deposits | 55.0939% | 5,607 |
| Total domestic deposits to total assets | 90.7314% | 694 |
| Equity capital to assets | 8.9585% | 5,088 |
| Core capital (leverage) ratio | 8.6199% | 5,520 |
| Tier 1 risk-based capital ratio | 15.0011% | 3,667 |
| Total risk-based capital ratio | 16.2524% | 3,606 |
| Memoranda: | ||
| Average total assets | $319,106,800 | 2,014 |
| Average earning assets | $284,403,200 | 2,080 |
| Average equity | $30,217,000 | 2,240 |
| Average total loans | $178,134,200 | 2,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 4,175 |
| Cost of funding earning assets | 0.3306% | 5,466 |
| Net interest margin | 3.6580% | 3,203 |
| Noninterest income to average assets | 0.5335% | 3,567 |
| Noninterest expense to average assets | 2.6214% | 4,322 |
| Loan and lease loss provision to assets | 0.0768% | 3,525 |
| Net operating income to assets | 0.7951% | 3,376 |
| Return on assets (ROA) | 0.7951% | 3,503 |
| Pretax return on assets | 1.1174% | 3,032 |
| Return on Equity (ROE) | 8.2735% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.2735% | 1,308 |
| Net charge-offs to loans | 0.0096% | 4,955 |
| Credit loss provision to net charge-offs | 1,384.6154% | 230 |
| Earnings coverage of net charge-offs (x) | 215.2666% | 272 |
| Efficiency ratio | 68.7025% | 3,958 |
| Assets per employee ($millions) | 4.2442% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,388 |
| Loan loss allowance to noncurrent loans | 261.4929% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 5,641 |
| Noncurrent loans to loans | 0.4973% | 4,953 |
| Net loans and leases to total assets | 53.3368% | 4,704 |
| Net loans and leases to deposits | 59.3158% | 5,055 |
| Net loans and leases to core deposits | 63.7100% | 4,925 |
| Total domestic deposits to total assets | 89.9201% | 1,045 |
| Equity capital to assets | 9.6879% | 4,315 |
| Core capital (leverage) ratio | 8.8448% | 5,337 |
| Tier 1 risk-based capital ratio | 14.9352% | 3,796 |
| Total risk-based capital ratio | 16.1863% | 3,743 |
| Memoranda: | ||
| Average total assets | $312,392,750 | 2,068 |
| Average earning assets | $280,295,000 | 2,119 |
| Average equity | $30,023,000 | 2,270 |
| Average total loans | $181,458,000 | 2,187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 4,012 |
| Cost of funding earning assets | 0.3478% | 5,429 |
| Net interest margin | 3.6777% | 3,043 |
| Noninterest income to average assets | 0.5330% | 3,621 |
| Noninterest expense to average assets | 2.6707% | 4,142 |
| Loan and lease loss provision to assets | 0.0770% | 3,516 |
| Net operating income to assets | 0.7709% | 3,460 |
| Return on assets (ROA) | 0.7709% | 3,617 |
| Pretax return on assets | 1.0813% | 3,165 |
| Return on Equity (ROE) | 8.0433% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.0433% | 1,469 |
| Net charge-offs to loans | 0.0119% | 4,632 |
| Credit loss provision to net charge-offs | 1,090.9091% | 280 |
| Earnings coverage of net charge-offs (x) | 164.1818% | 301 |
| Efficiency ratio | 69.7487% | 3,875 |
| Assets per employee ($millions) | 4.0669% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,036 |
| Loan loss allowance to noncurrent loans | 203.3113% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 5,425 |
| Noncurrent loans to loans | 0.5858% | 4,790 |
| Net loans and leases to total assets | 57.6799% | 4,036 |
| Net loans and leases to deposits | 64.1842% | 4,475 |
| Net loans and leases to core deposits | 69.5192% | 4,321 |
| Total domestic deposits to total assets | 89.8662% | 1,105 |
| Equity capital to assets | 9.7245% | 4,264 |
| Core capital (leverage) ratio | 8.6998% | 5,425 |
| Tier 1 risk-based capital ratio | 14.4346% | 4,139 |
| Total risk-based capital ratio | 15.6851% | 4,104 |
| Memoranda: | ||
| Average total assets | $311,833,000 | 2,081 |
| Average earning assets | $279,465,000 | 2,133 |
| Average equity | $29,888,330 | 2,278 |
| Average total loans | $185,369,670 | 2,150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,678 |
| Cost of funding earning assets | 0.3709% | 5,359 |
| Net interest margin | 3.7414% | 2,693 |
| Noninterest income to average assets | 0.5377% | 3,516 |
| Noninterest expense to average assets | 2.7126% | 4,008 |
| Loan and lease loss provision to assets | 0.0766% | 3,351 |
| Net operating income to assets | 0.7765% | 3,299 |
| Return on assets (ROA) | 0.7765% | 3,434 |
| Pretax return on assets | 1.0855% | 3,016 |
| Return on Equity (ROE) | 8.1600% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.1600% | 1,693 |
| Net charge-offs to loans | 0.0170% | 3,818 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 342 |
| Efficiency ratio | 70.0066% | 3,971 |
| Assets per employee ($millions) | 4.1779% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,325 |
| Loan loss allowance to noncurrent loans | 193.8832% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 5,565 |
| Noncurrent loans to loans | 0.6032% | 4,933 |
| Net loans and leases to total assets | 56.4172% | 4,023 |
| Net loans and leases to deposits | 62.6589% | 4,456 |
| Net loans and leases to core deposits | 68.2545% | 4,271 |
| Total domestic deposits to total assets | 90.0386% | 1,024 |
| Equity capital to assets | 9.5880% | 4,725 |
| Core capital (leverage) ratio | 8.5058% | 5,585 |
| Tier 1 risk-based capital ratio | 13.8391% | 4,626 |
| Total risk-based capital ratio | 15.0812% | 4,587 |
| Memoranda: | ||
| Average total assets | $313,207,000 | 2,093 |
| Average earning assets | $279,357,500 | 2,158 |
| Average equity | $29,804,000 | 2,314 |
| Average total loans | $187,840,000 | 2,135 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 4,199 |
| Cost of funding earning assets | 0.5501% | 4,818 |
| Net interest margin | 3.7478% | 3,453 |
| Noninterest income to average assets | 0.5762% | 3,407 |
| Noninterest expense to average assets | 2.7445% | 4,234 |
| Loan and lease loss provision to assets | 0.0811% | 4,685 |
| Net operating income to assets | 0.7905% | 3,324 |
| Return on assets (ROA) | 0.7905% | 3,578 |
| Pretax return on assets | 1.0539% | 3,343 |
| Return on Equity (ROE) | 8.2469% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.8941% | 1,158 |
| Net charge-offs to loans | -0.0059% | 6,395 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7425% | 3,666 |
| Assets per employee ($millions) | 4.2887% | 3,380 |
| Cash dividends to net income (ytd only)* | 4.2772% | 4,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 5,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.2122% | 3,216 |
| Net loans and leases to deposits | 68.9087% | 3,849 |
| Net loans and leases to core deposits | 75.1994% | 3,635 |
| Total domestic deposits to total assets | 90.2822% | 812 |
| Equity capital to assets | 9.4434% | 4,946 |
| Core capital (leverage) ratio | 8.5661% | 5,515 |
| Tier 1 risk-based capital ratio | 13.3407% | 4,870 |
| Total risk-based capital ratio | 14.5394% | 4,853 |
| Memoranda: | ||
| Average total assets | $295,755,400 | 2,167 |
| Average earning assets | $260,686,200 | 2,230 |
| Average equity | $28,350,200 | 2,365 |
| Average total loans | $170,873,600 | 2,303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 4,550 |
| Cost of funding earning assets | 0.5902% | 4,744 |
| Net interest margin | 3.6859% | 3,856 |
| Noninterest income to average assets | 0.5916% | 3,333 |
| Noninterest expense to average assets | 2.7954% | 3,995 |
| Loan and lease loss provision to assets | 0.0824% | 4,596 |
| Net operating income to assets | 0.6940% | 3,939 |
| Return on assets (ROA) | 0.6940% | 4,189 |
| Pretax return on assets | 0.9626% | 3,861 |
| Return on Equity (ROE) | 7.2117% | 3,692 |
| Retained earnings to average equity (ytd only) | 7.2117% | 2,004 |
| Net charge-offs to loans | -0.0024% | 6,212 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7901% | 3,189 |
| Assets per employee ($millions) | 3.8699% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,752 |
| Loan loss allowance to noncurrent loans | 9,865.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,716 |
| Noncurrent loans to loans | 0.0111% | 6,635 |
| Net loans and leases to total assets | 61.6272% | 3,457 |
| Net loans and leases to deposits | 68.7652% | 4,059 |
| Net loans and leases to core deposits | 75.5510% | 3,784 |
| Total domestic deposits to total assets | 89.6198% | 1,061 |
| Equity capital to assets | 9.9626% | 4,550 |
| Core capital (leverage) ratio | 8.5041% | 5,747 |
| Tier 1 risk-based capital ratio | 13.8531% | 4,646 |
| Total risk-based capital ratio | 15.0966% | 4,612 |
| Memoranda: | ||
| Average total assets | $291,425,500 | 2,221 |
| Average earning assets | $256,866,500 | 2,283 |
| Average equity | $28,046,500 | 2,406 |
| Average total loans | $164,389,250 | 2,397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 4,898 |
| Cost of funding earning assets | 0.6224% | 4,698 |
| Net interest margin | 3.5924% | 4,292 |
| Noninterest income to average assets | 0.6017% | 3,250 |
| Noninterest expense to average assets | 2.8189% | 3,943 |
| Loan and lease loss provision to assets | 0.0822% | 4,569 |
| Net operating income to assets | 0.6113% | 4,327 |
| Return on assets (ROA) | 0.6113% | 4,575 |
| Pretax return on assets | 0.8416% | 4,308 |
| Return on Equity (ROE) | 6.4273% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.4273% | 2,421 |
| Net charge-offs to loans | -0.0101% | 6,284 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3159% | 2,846 |
| Assets per employee ($millions) | 3.8072% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 5,382 |
| Loan loss allowance to noncurrent loans | 1,410.2941% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,611 |
| Noncurrent loans to loans | 0.0847% | 6,447 |
| Net loans and leases to total assets | 54.1251% | 4,779 |
| Net loans and leases to deposits | 60.1209% | 5,225 |
| Net loans and leases to core deposits | 66.9844% | 4,896 |
| Total domestic deposits to total assets | 90.0271% | 910 |
| Equity capital to assets | 9.6147% | 4,893 |
| Core capital (leverage) ratio | 8.3558% | 5,842 |
| Tier 1 risk-based capital ratio | 14.2356% | 4,278 |
| Total risk-based capital ratio | 15.4858% | 4,252 |
| Memoranda: | ||
| Average total assets | $291,819,000 | 2,215 |
| Average earning assets | $255,148,000 | 2,306 |
| Average equity | $27,756,670 | 2,417 |
| Average total loans | $158,904,670 | 2,476 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 4,797 |
| Cost of funding earning assets | 0.6505% | 4,734 |
| Net interest margin | 3.6341% | 4,113 |
| Noninterest income to average assets | 0.6114% | 3,154 |
| Noninterest expense to average assets | 2.8398% | 3,864 |
| Loan and lease loss provision to assets | 0.0824% | 4,359 |
| Net operating income to assets | 0.6333% | 4,204 |
| Return on assets (ROA) | 0.6333% | 4,415 |
| Pretax return on assets | 0.8820% | 4,100 |
| Return on Equity (ROE) | 6.6952% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.6952% | 2,588 |
| Net charge-offs to loans | -0.0228% | 6,226 |
| Credit loss provision to net charge-offs | -666.6667% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6479% | 2,997 |
| Assets per employee ($millions) | 3.9415% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 5,418 |
| Loan loss allowance to noncurrent loans | 1,318.4397% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,782 |
| Noncurrent loans to loans | 0.0922% | 6,528 |
| Net loans and leases to total assets | 51.1185% | 5,133 |
| Net loans and leases to deposits | 56.6685% | 5,526 |
| Net loans and leases to core deposits | 63.7650% | 5,139 |
| Total domestic deposits to total assets | 90.2063% | 967 |
| Equity capital to assets | 9.4060% | 4,952 |
| Core capital (leverage) ratio | 8.1629% | 6,077 |
| Tier 1 risk-based capital ratio | 14.2920% | 4,245 |
| Total risk-based capital ratio | 15.5422% | 4,219 |
| Memoranda: | ||
| Average total assets | $291,151,500 | 2,234 |
| Average earning assets | $255,799,000 | 2,317 |
| Average equity | $27,542,000 | 2,428 |
| Average total loans | $158,063,000 | 2,508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 4,354 |
| Cost of funding earning assets | 0.7867% | 4,963 |
| Net interest margin | 3.8878% | 3,389 |
| Noninterest income to average assets | 0.7938% | 2,097 |
| Noninterest expense to average assets | 2.9649% | 3,723 |
| Loan and lease loss provision to assets | 0.0680% | 5,759 |
| Net operating income to assets | 0.8993% | 2,606 |
| Return on assets (ROA) | 0.8993% | 2,742 |
| Pretax return on assets | 1.1947% | 2,481 |
| Return on Equity (ROE) | 9.1741% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.1741% | 755 |
| Net charge-offs to loans | -0.0291% | 6,999 |
| Credit loss provision to net charge-offs | -418.6047% | 6,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1314% | 3,919 |
| Assets per employee ($millions) | 3.9273% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,822 |
| Loan loss allowance to noncurrent loans | 3,729.1667% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 6,930 |
| Noncurrent loans to loans | 0.0294% | 6,751 |
| Net loans and leases to total assets | 56.2851% | 4,653 |
| Net loans and leases to deposits | 62.4469% | 5,179 |
| Net loans and leases to core deposits | 70.6311% | 4,701 |
| Total domestic deposits to total assets | 90.1327% | 926 |
| Equity capital to assets | 9.5150% | 4,865 |
| Core capital (leverage) ratio | 8.5349% | 5,507 |
| Tier 1 risk-based capital ratio | 13.9813% | 4,339 |
| Total risk-based capital ratio | 15.2081% | 4,310 |
| Memoranda: | ||
| Average total assets | $264,663,800 | 2,381 |
| Average earning assets | $233,754,800 | 2,462 |
| Average equity | $25,942,600 | 2,486 |
| Average total loans | $148,015,400 | 2,671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 4,497 |
| Cost of funding earning assets | 0.8144% | 5,057 |
| Net interest margin | 3.8775% | 3,491 |
| Noninterest income to average assets | 0.8355% | 1,902 |
| Noninterest expense to average assets | 3.0339% | 3,421 |
| Loan and lease loss provision to assets | 0.0617% | 5,675 |
| Net operating income to assets | 0.8648% | 2,888 |
| Return on assets (ROA) | 0.8648% | 3,036 |
| Pretax return on assets | 1.1694% | 2,744 |
| Return on Equity (ROE) | 8.7521% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.7521% | 1,233 |
| Net charge-offs to loans | -0.0388% | 7,007 |
| Credit loss provision to net charge-offs | -285.7143% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1339% | 3,712 |
| Assets per employee ($millions) | 3.6246% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,878 |
| Loan loss allowance to noncurrent loans | 2,034.1176% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 6,779 |
| Noncurrent loans to loans | 0.0543% | 6,797 |
| Net loans and leases to total assets | 56.9834% | 4,689 |
| Net loans and leases to deposits | 63.5189% | 5,236 |
| Net loans and leases to core deposits | 72.8075% | 4,607 |
| Total domestic deposits to total assets | 89.7110% | 1,034 |
| Equity capital to assets | 9.8045% | 4,614 |
| Core capital (leverage) ratio | 8.6801% | 5,442 |
| Tier 1 risk-based capital ratio | 14.0586% | 4,315 |
| Total risk-based capital ratio | 15.2924% | 4,295 |
| Memoranda: | ||
| Average total assets | $259,156,250 | 2,447 |
| Average earning assets | $229,211,250 | 2,521 |
| Average equity | $25,608,500 | 2,516 |
| Average total loans | $144,230,250 | 2,742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 4,443 |
| Cost of funding earning assets | 0.8339% | 5,172 |
| Net interest margin | 3.8875% | 3,374 |
| Noninterest income to average assets | 0.8952% | 1,661 |
| Noninterest expense to average assets | 3.1123% | 3,205 |
| Loan and lease loss provision to assets | 0.0941% | 5,153 |
| Net operating income to assets | 0.8371% | 2,915 |
| Return on assets (ROA) | 0.8371% | 3,023 |
| Pretax return on assets | 1.1266% | 2,739 |
| Return on Equity (ROE) | 8.4480% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.4480% | 1,281 |
| Net charge-offs to loans | -0.0685% | 7,091 |
| Credit loss provision to net charge-offs | -250.0000% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8269% | 3,773 |
| Assets per employee ($millions) | 3.3368% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 5,538 |
| Loan loss allowance to noncurrent loans | 1,606.4815% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 6,786 |
| Noncurrent loans to loans | 0.0748% | 6,793 |
| Net loans and leases to total assets | 54.7991% | 5,179 |
| Net loans and leases to deposits | 61.1703% | 5,598 |
| Net loans and leases to core deposits | 68.2892% | 5,261 |
| Total domestic deposits to total assets | 89.5845% | 1,191 |
| Equity capital to assets | 9.9851% | 4,169 |
| Core capital (leverage) ratio | 8.6173% | 5,367 |
| Tier 1 risk-based capital ratio | 14.3478% | 3,903 |
| Total risk-based capital ratio | 15.5978% | 3,876 |
| Memoranda: | ||
| Average total assets | $254,927,000 | 2,498 |
| Average earning assets | $225,439,670 | 2,579 |
| Average equity | $25,260,330 | 2,530 |
| Average total loans | $140,095,330 | 2,844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 4,694 |
| Cost of funding earning assets | 0.8591% | 5,217 |
| Net interest margin | 3.8022% | 3,605 |
| Noninterest income to average assets | 0.9023% | 1,656 |
| Noninterest expense to average assets | 3.1587% | 3,032 |
| Loan and lease loss provision to assets | 0.0951% | 4,823 |
| Net operating income to assets | 0.7691% | 3,174 |
| Return on assets (ROA) | 0.7691% | 3,246 |
| Pretax return on assets | 1.0101% | 3,096 |
| Return on Equity (ROE) | 7.7923% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.7923% | 1,811 |
| Net charge-offs to loans | 0.0087% | 4,984 |
| Credit loss provision to net charge-offs | 2,000.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 232.3333% | 134 |
| Efficiency ratio | 74.0796% | 3,498 |
| Assets per employee ($millions) | 3.3423% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,849 |
| Loan loss allowance to noncurrent loans | 1,342.1488% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 6,132 |
| Noncurrent loans to loans | 0.0857% | 6,829 |
| Net loans and leases to total assets | 54.9364% | 5,169 |
| Net loans and leases to deposits | 61.2426% | 5,597 |
| Net loans and leases to core deposits | 68.5122% | 5,228 |
| Total domestic deposits to total assets | 89.7028% | 1,353 |
| Equity capital to assets | 9.8952% | 3,906 |
| Core capital (leverage) ratio | 8.6466% | 5,178 |
| Tier 1 risk-based capital ratio | 14.0544% | 4,036 |
| Total risk-based capital ratio | 15.2484% | 4,051 |
| Memoranda: | ||
| Average total assets | $252,257,000 | 2,549 |
| Average earning assets | $223,030,000 | 2,624 |
| Average equity | $24,896,500 | 2,554 |
| Average total loans | $137,963,500 | 2,928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 4,657 |
| Cost of funding earning assets | 1.0843% | 5,225 |
| Net interest margin | 3.8941% | 3,518 |
| Noninterest income to average assets | 0.8830% | 1,917 |
| Noninterest expense to average assets | 3.4451% | 2,319 |
| Loan and lease loss provision to assets | 0.0550% | 6,594 |
| Net operating income to assets | 0.6115% | 3,621 |
| Return on assets (ROA) | 0.6115% | 3,788 |
| Pretax return on assets | 0.7984% | 3,641 |
| Return on Equity (ROE) | 5.9196% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.8962% | 2,480 |
| Net charge-offs to loans | -0.0061% | 7,286 |
| Credit loss provision to net charge-offs | -1,625.0000% | 7,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1476% | 2,396 |
| Assets per employee ($millions) | 3.1313% | 5,819 |
| Cash dividends to net income (ytd only)* | 17.2891% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,674 |
| Loan loss allowance to noncurrent loans | 1,095.8042% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 6,210 |
| Noncurrent loans to loans | 0.1061% | 6,876 |
| Net loans and leases to total assets | 53.1696% | 5,756 |
| Net loans and leases to deposits | 59.2729% | 6,130 |
| Net loans and leases to core deposits | 66.0123% | 5,873 |
| Total domestic deposits to total assets | 89.7031% | 1,265 |
| Equity capital to assets | 9.8434% | 3,948 |
| Core capital (leverage) ratio | 8.9976% | 4,560 |
| Tier 1 risk-based capital ratio | 14.0021% | 3,871 |
| Total risk-based capital ratio | 15.1810% | 3,882 |
| Memoranda: | ||
| Average total assets | $236,479,800 | 2,680 |
| Average earning assets | $207,419,000 | 2,780 |
| Average equity | $24,427,200 | 2,617 |
| Average total loans | $130,688,600 | 3,112 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 4,495 |
| Cost of funding earning assets | 1.1472% | 5,167 |
| Net interest margin | 3.9205% | 3,448 |
| Noninterest income to average assets | 0.8659% | 1,927 |
| Noninterest expense to average assets | 3.4853% | 2,065 |
| Loan and lease loss provision to assets | 0.0515% | 6,565 |
| Net operating income to assets | 0.5494% | 4,092 |
| Return on assets (ROA) | 0.5494% | 4,262 |
| Pretax return on assets | 0.7674% | 4,020 |
| Return on Equity (ROE) | 5.2523% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.2523% | 2,812 |
| Net charge-offs to loans | 0.0082% | 6,551 |
| Credit loss provision to net charge-offs | 1,125.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 178.8144% | 180 |
| Efficiency ratio | 80.9733% | 2,212 |
| Assets per employee ($millions) | 2.9608% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,785 |
| Loan loss allowance to noncurrent loans | 795.2632% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 6,211 |
| Noncurrent loans to loans | 0.1427% | 6,890 |
| Net loans and leases to total assets | 56.2882% | 5,510 |
| Net loans and leases to deposits | 63.3132% | 5,990 |
| Net loans and leases to core deposits | 66.7750% | 6,055 |
| Total domestic deposits to total assets | 88.9045% | 1,448 |
| Equity capital to assets | 10.5975% | 3,411 |
| Core capital (leverage) ratio | 9.2513% | 4,274 |
| Tier 1 risk-based capital ratio | 13.8577% | 3,947 |
| Total risk-based capital ratio | 14.9868% | 3,987 |
| Memoranda: | ||
| Average total assets | $232,974,250 | 2,745 |
| Average earning assets | $204,322,750 | 2,867 |
| Average equity | $24,369,500 | 2,665 |
| Average total loans | $129,671,250 | 3,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 4,498 |
| Cost of funding earning assets | 1.2053% | 5,098 |
| Net interest margin | 3.8873% | 3,507 |
| Noninterest income to average assets | 0.8570% | 1,850 |
| Noninterest expense to average assets | 3.5115% | 2,002 |
| Loan and lease loss provision to assets | 0.0258% | 6,683 |
| Net operating income to assets | 0.5192% | 4,243 |
| Return on assets (ROA) | 0.5192% | 4,399 |
| Pretax return on assets | 0.7161% | 4,179 |
| Return on Equity (ROE) | 4.9856% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.9856% | 2,908 |
| Net charge-offs to loans | 0.0140% | 6,146 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 95.8889% | 345 |
| Efficiency ratio | 82.5586% | 2,095 |
| Assets per employee ($millions) | 2.8463% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,899 |
| Loan loss allowance to noncurrent loans | 1,090.2256% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 6,288 |
| Noncurrent loans to loans | 0.1018% | 7,063 |
| Net loans and leases to total assets | 56.7414% | 5,589 |
| Net loans and leases to deposits | 63.9841% | 6,042 |
| Net loans and leases to core deposits | 67.8580% | 6,064 |
| Total domestic deposits to total assets | 88.6805% | 1,616 |
| Equity capital to assets | 10.7903% | 3,081 |
| Core capital (leverage) ratio | 9.0429% | 4,537 |
| Tier 1 risk-based capital ratio | 13.7349% | 3,916 |
| Total risk-based capital ratio | 14.8322% | 3,978 |
| Memoranda: | ||
| Average total assets | $232,664,000 | 2,770 |
| Average earning assets | $203,277,000 | 2,895 |
| Average equity | $24,230,000 | 2,669 |
| Average total loans | $128,504,330 | 3,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 4,480 |
| Cost of funding earning assets | 1.2713% | 4,993 |
| Net interest margin | 3.8393% | 3,625 |
| Noninterest income to average assets | 0.8063% | 1,990 |
| Noninterest expense to average assets | 3.5059% | 1,966 |
| Loan and lease loss provision to assets | 0.0680% | 5,954 |
| Net operating income to assets | 0.4219% | 4,744 |
| Return on assets (ROA) | 0.4219% | 4,881 |
| Pretax return on assets | 0.5665% | 4,732 |
| Return on Equity (ROE) | 4.1230% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.1230% | 3,678 |
| Net charge-offs to loans | 0.0377% | 5,048 |
| Credit loss provision to net charge-offs | 333.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 31.0833% | 847 |
| Efficiency ratio | 84.6754% | 1,950 |
| Assets per employee ($millions) | 2.9099% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,892 |
| Loan loss allowance to noncurrent loans | 316.0521% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 6,014 |
| Noncurrent loans to loans | 0.3561% | 6,589 |
| Net loans and leases to total assets | 56.3975% | 5,688 |
| Net loans and leases to deposits | 63.4513% | 6,116 |
| Net loans and leases to core deposits | 67.9607% | 6,106 |
| Total domestic deposits to total assets | 88.8832% | 1,579 |
| Equity capital to assets | 10.6392% | 3,107 |
| Core capital (leverage) ratio | 8.7143% | 5,000 |
| Tier 1 risk-based capital ratio | 13.7959% | 3,802 |
| Total risk-based capital ratio | 14.8742% | 3,873 |
| Memoranda: | ||
| Average total assets | $235,143,500 | 2,812 |
| Average earning assets | $204,206,000 | 2,936 |
| Average equity | $24,060,000 | 2,715 |
| Average total loans | $127,430,000 | 3,323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 5,131 |
| Cost of funding earning assets | 1.5727% | 5,168 |
| Net interest margin | 3.7363% | 3,968 |
| Noninterest income to average assets | 0.8188% | 2,314 |
| Noninterest expense to average assets | 3.3991% | 2,682 |
| Loan and lease loss provision to assets | 0.4248% | 4,280 |
| Net operating income to assets | 0.2444% | 4,741 |
| Return on assets (ROA) | 0.3276% | 4,511 |
| Pretax return on assets | 0.3683% | 4,583 |
| Return on Equity (ROE) | 3.0736% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.0736% | 3,006 |
| Net charge-offs to loans | 0.7580% | 2,925 |
| Credit loss provision to net charge-offs | 103.0702% | 5,358 |
| Earnings coverage of net charge-offs (x) | 1.6974% | 4,465 |
| Efficiency ratio | 82.9327% | 2,484 |
| Assets per employee ($millions) | 3.1599% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,693 |
| Loan loss allowance to noncurrent loans | 370.2073% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 6,131 |
| Noncurrent loans to loans | 0.3078% | 6,663 |
| Net loans and leases to total assets | 50.9494% | 6,536 |
| Net loans and leases to deposits | 56.8225% | 6,867 |
| Net loans and leases to core deposits | 77.4805% | 6,303 |
| Total domestic deposits to total assets | 89.6641% | 1,127 |
| Equity capital to assets | 9.8522% | 3,942 |
| Core capital (leverage) ratio | 8.9555% | 4,499 |
| Tier 1 risk-based capital ratio | 13.7146% | 3,675 |
| Total risk-based capital ratio | 14.7666% | 3,755 |
| Memoranda: | ||
| Average total assets | $221,294,200 | 2,924 |
| Average earning assets | $194,257,000 | 3,045 |
| Average equity | $23,587,800 | 2,780 |
| Average total loans | $120,308,800 | 3,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 4,867 |
| Cost of funding earning assets | 1.6309% | 5,252 |
| Net interest margin | 3.7861% | 3,715 |
| Noninterest income to average assets | 0.8595% | 2,156 |
| Noninterest expense to average assets | 3.4323% | 2,470 |
| Loan and lease loss provision to assets | 0.1112% | 6,257 |
| Net operating income to assets | 0.4506% | 4,191 |
| Return on assets (ROA) | 0.5375% | 3,923 |
| Pretax return on assets | 0.7903% | 3,570 |
| Return on Equity (ROE) | 4.9378% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.9378% | 2,527 |
| Net charge-offs to loans | 0.0963% | 5,708 |
| Credit loss provision to net charge-offs | 209.3023% | 2,105 |
| Earnings coverage of net charge-offs (x) | 14.5586% | 1,591 |
| Efficiency ratio | 81.6072% | 2,635 |
| Assets per employee ($millions) | 3.3003% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 4,967 |
| Loan loss allowance to noncurrent loans | 89.6283% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 4,835 |
| Noncurrent loans to loans | 1.3682% | 4,637 |
| Net loans and leases to total assets | 54.4582% | 6,327 |
| Net loans and leases to deposits | 61.4597% | 6,723 |
| Net loans and leases to core deposits | 85.5235% | 5,915 |
| Total domestic deposits to total assets | 88.6080% | 1,387 |
| Equity capital to assets | 10.9077% | 3,106 |
| Core capital (leverage) ratio | 9.4299% | 4,005 |
| Tier 1 risk-based capital ratio | 14.5873% | 3,227 |
| Total risk-based capital ratio | 15.7467% | 3,223 |
| Memoranda: | ||
| Average total assets | $215,788,750 | 3,017 |
| Average earning assets | $190,728,500 | 3,109 |
| Average equity | $23,491,750 | 2,810 |
| Average total loans | $119,036,750 | 3,531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 4,583 |
| Cost of funding earning assets | 1.6744% | 5,392 |
| Net interest margin | 3.8332% | 3,400 |
| Noninterest income to average assets | 0.8579% | 2,150 |
| Noninterest expense to average assets | 3.4568% | 2,473 |
| Loan and lease loss provision to assets | 0.1121% | 6,022 |
| Net operating income to assets | 0.4497% | 4,290 |
| Return on assets (ROA) | 0.5813% | 3,874 |
| Pretax return on assets | 0.8542% | 3,491 |
| Return on Equity (ROE) | 5.3430% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.3430% | 2,329 |
| Net charge-offs to loans | 0.0915% | 5,272 |
| Credit loss provision to net charge-offs | 222.2222% | 2,063 |
| Earnings coverage of net charge-offs (x) | 15.3148% | 1,605 |
| Efficiency ratio | 81.7278% | 2,758 |
| Assets per employee ($millions) | 3.1390% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,820 |
| Loan loss allowance to noncurrent loans | 379.0698% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 6,127 |
| Noncurrent loans to loans | 0.3217% | 6,706 |
| Net loans and leases to total assets | 56.4974% | 6,157 |
| Net loans and leases to deposits | 63.9325% | 6,570 |
| Net loans and leases to core deposits | 88.9121% | 5,643 |
| Total domestic deposits to total assets | 88.3704% | 1,586 |
| Equity capital to assets | 11.1965% | 2,758 |
| Core capital (leverage) ratio | 9.4816% | 3,918 |
| Tier 1 risk-based capital ratio | 15.1022% | 2,979 |
| Total risk-based capital ratio | 16.2961% | 2,934 |
| Memoranda: | ||
| Average total assets | $214,011,670 | 3,057 |
| Average earning assets | $188,250,330 | 3,160 |
| Average equity | $23,282,670 | 2,836 |
| Average total loans | $118,078,000 | 3,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 4,797 |
| Cost of funding earning assets | 1.7332% | 5,457 |
| Net interest margin | 3.7892% | 3,495 |
| Noninterest income to average assets | 0.8228% | 2,215 |
| Noninterest expense to average assets | 3.2429% | 2,823 |
| Loan and lease loss provision to assets | 0.1112% | 5,541 |
| Net operating income to assets | 0.5321% | 4,286 |
| Return on assets (ROA) | 0.7968% | 3,306 |
| Pretax return on assets | 1.1582% | 2,774 |
| Return on Equity (ROE) | 7.4298% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.4298% | 2,049 |
| Net charge-offs to loans | 0.1812% | 3,555 |
| Credit loss provision to net charge-offs | 113.2075% | 3,428 |
| Earnings coverage of net charge-offs (x) | 9.0189% | 2,116 |
| Efficiency ratio | 78.5458% | 3,076 |
| Assets per employee ($millions) | 3.2886% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 4,681 |
| Loan loss allowance to noncurrent loans | 791.0112% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 7,060 |
| Noncurrent loans to loans | 0.1540% | 7,081 |
| Net loans and leases to total assets | 53.4294% | 6,532 |
| Net loans and leases to deposits | 60.3020% | 6,870 |
| Net loans and leases to core deposits | 82.0856% | 6,233 |
| Total domestic deposits to total assets | 88.6029% | 1,423 |
| Equity capital to assets | 10.9325% | 3,028 |
| Core capital (leverage) ratio | 9.1987% | 4,401 |
| Tier 1 risk-based capital ratio | 15.1357% | 2,996 |
| Total risk-based capital ratio | 16.2980% | 2,986 |
| Memoranda: | ||
| Average total assets | $215,859,500 | 3,044 |
| Average earning assets | $188,324,500 | 3,182 |
| Average equity | $23,150,000 | 2,859 |
| Average total loans | $116,972,000 | 3,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5656% | 2,643 |
| Cost of funding earning assets | 2.3497% | 4,930 |
| Net interest margin | 4.2159% | 2,251 |
| Noninterest income to average assets | 0.9114% | 1,915 |
| Noninterest expense to average assets | 3.1725% | 3,439 |
| Loan and lease loss provision to assets | 0.0094% | 7,251 |
| Net operating income to assets | 1.0002% | 2,559 |
| Return on assets (ROA) | 1.0180% | 2,372 |
| Pretax return on assets | 1.4049% | 1,961 |
| Return on Equity (ROE) | 10.0886% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.3931% | 539 |
| Net charge-offs to loans | 0.0096% | 6,796 |
| Credit loss provision to net charge-offs | 181.8182% | 2,751 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 185 |
| Efficiency ratio | 69.5416% | 4,438 |
| Assets per employee ($millions) | 3.1589% | 5,595 |
| Cash dividends to net income (ytd only)* | 6.8934% | 4,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,672 |
| Loan loss allowance to noncurrent loans | 281.8913% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,663 |
| Noncurrent loans to loans | 0.4200% | 6,085 |
| Net loans and leases to total assets | 53.6451% | 6,692 |
| Net loans and leases to deposits | 60.4869% | 7,049 |
| Net loans and leases to core deposits | 81.0658% | 6,531 |
| Total domestic deposits to total assets | 88.6889% | 1,158 |
| Equity capital to assets | 10.5206% | 3,478 |
| Core capital (leverage) ratio | 9.0241% | 4,706 |
| Tier 1 risk-based capital ratio | 14.5057% | 3,294 |
| Total risk-based capital ratio | 15.6396% | 3,266 |
| Memoranda: | ||
| Average total assets | $213,744,600 | 2,954 |
| Average earning assets | $185,085,200 | 3,115 |
| Average equity | $21,569,000 | 3,032 |
| Average total loans | $114,892,200 | 3,565 |