Home > Schertz Bank & Trust > Performance and Condition Ratios
Schertz Bank & Trust, 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 | 5.8312% | 790 |
| Cost of funding earning assets | 2.4886% | 372 |
| Net interest margin | 3.3426% | 2,530 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.4423% | 4,365 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4458% | 1,125 |
| Return on assets (ROA) | 1.4458% | 1,095 |
| Pretax return on assets | 1.7888% | 905 |
| Return on Equity (ROE) | 13.9900% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.2417% | 742 |
| Net charge-offs to loans | -0.0006% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.1655% | 4,282 |
| Assets per employee ($millions) | 12.3866% | 375 |
| Cash dividends to net income (ytd only)* | 19.6369% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,596 |
| Loan loss allowance to noncurrent loans | 3,570.4348% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 3,390 |
| Noncurrent loans to loans | 0.0320% | 3,507 |
| Net loans and leases to total assets | 85.6900% | 177 |
| Net loans and leases to deposits | 99.4600% | 565 |
| Net loans and leases to core deposits | 128.9557% | 418 |
| Total domestic deposits to total assets | 86.1600% | 1,960 |
| Equity capital to assets | 10.1296% | 1,930 |
| Core capital (leverage) ratio | 10.5282% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $769,610,200 | 1,216 |
| Average earning assets | $738,977,400 | 1,183 |
| Average equity | $79,542,800 | 1,137 |
| Average total loans | $693,050,200 | 973 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7303% | 759 |
| Cost of funding earning assets | 2.3080% | 399 |
| Net interest margin | 3.4223% | 2,409 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.4562% | 4,344 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5071% | 1,108 |
| Return on assets (ROA) | 1.5071% | 1,098 |
| Pretax return on assets | 1.8870% | 875 |
| Return on Equity (ROE) | 14.5000% | 1,549 |
| Retained earnings to average equity (ytd only) | 10.7872% | 1,193 |
| Net charge-offs to loans | -0.0014% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.6068% | 4,292 |
| Assets per employee ($millions) | 11.9996% | 376 |
| Cash dividends to net income (ytd only)* | 25.6185% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 2,826 |
| Loan loss allowance to noncurrent loans | 3,414.0351% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,517 |
| Noncurrent loans to loans | 0.0324% | 3,537 |
| Net loans and leases to total assets | 87.7600% | 90 |
| Net loans and leases to deposits | 102.1169% | 428 |
| Net loans and leases to core deposits | 138.1638% | 239 |
| Total domestic deposits to total assets | 85.9400% | 2,216 |
| Equity capital to assets | 10.2553% | 1,668 |
| Core capital (leverage) ratio | 10.5847% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $754,537,250 | 1,235 |
| Average earning assets | $724,242,750 | 1,194 |
| Average equity | $78,412,000 | 1,143 |
| Average total loans | $686,473,750 | 978 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 721 |
| Cost of funding earning assets | 2.0989% | 409 |
| Net interest margin | 3.5096% | 2,239 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.4473% | 4,372 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.5616% | 1,001 |
| Return on assets (ROA) | 1.5616% | 998 |
| Pretax return on assets | 1.9562% | 795 |
| Return on Equity (ROE) | 14.9000% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.2832% | 1,609 |
| Net charge-offs to loans | -0.0009% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.3459% | 4,356 |
| Assets per employee ($millions) | 12.0589% | 371 |
| Cash dividends to net income (ytd only)* | 37.7114% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,012 |
| Loan loss allowance to noncurrent loans | 3,333.7719% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,494 |
| Noncurrent loans to loans | 0.0326% | 3,506 |
| Net loans and leases to total assets | 89.6100% | 40 |
| Net loans and leases to deposits | 104.1716% | 361 |
| Net loans and leases to core deposits | 138.8882% | 226 |
| Total domestic deposits to total assets | 86.0300% | 2,220 |
| Equity capital to assets | 10.2611% | 1,706 |
| Core capital (leverage) ratio | 10.5685% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $742,059,000 | 1,247 |
| Average earning assets | $711,883,333 | 1,214 |
| Average equity | $77,753,000 | 1,144 |
| Average total loans | $681,030,667 | 974 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 662 |
| Cost of funding earning assets | 1.8192% | 435 |
| Net interest margin | 3.6338% | 2,048 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.4725% | 4,412 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.6183% | 947 |
| Return on assets (ROA) | 1.6183% | 948 |
| Pretax return on assets | 2.0429% | 720 |
| Return on Equity (ROE) | 15.2800% | 1,502 |
| Retained earnings to average equity (ytd only) | 15.2765% | 766 |
| Net charge-offs to loans | -0.0012% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.7396% | 4,429 |
| Assets per employee ($millions) | 12.5013% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,165 |
| Loan loss allowance to noncurrent loans | 3,240.1747% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,469 |
| Noncurrent loans to loans | 0.0332% | 3,516 |
| Net loans and leases to total assets | 92.4300% | 14 |
| Net loans and leases to deposits | 109.9310% | 184 |
| Net loans and leases to core deposits | 143.3359% | 162 |
| Total domestic deposits to total assets | 84.0800% | 3,078 |
| Equity capital to assets | 10.6427% | 1,493 |
| Core capital (leverage) ratio | 10.9858% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $727,203,500 | 1,277 |
| Average earning assets | $697,449,500 | 1,241 |
| Average equity | $77,033,500 | 1,161 |
| Average total loans | $671,937,500 | 998 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 411 |
| Cost of funding earning assets | 0.7409% | 492 |
| Net interest margin | 4.0845% | 682 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.4678% | 4,458 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 2.0857% | 253 |
| Return on assets (ROA) | 2.0857% | 245 |
| Pretax return on assets | 2.6086% | 185 |
| Return on Equity (ROE) | 20.2600% | 456 |
| Retained earnings to average equity (ytd only) | 17.0306% | 173 |
| Net charge-offs to loans | 0.0022% | 2,450 |
| Credit loss provision to net charge-offs | 17,916.6667% | 43 |
| Earnings coverage of net charge-offs (x) | 1,643.3333% | 103 |
| Efficiency ratio | 33.3919% | 4,628 |
| Assets per employee ($millions) | 11.7513% | 421 |
| Cash dividends to net income (ytd only)* | 15.9596% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 2,867 |
| Loan loss allowance to noncurrent loans | 3,175.0000% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,491 |
| Noncurrent loans to loans | 0.0348% | 3,531 |
| Net loans and leases to total assets | 90.3300% | 31 |
| Net loans and leases to deposits | 105.5939% | 252 |
| Net loans and leases to core deposits | 130.5525% | 220 |
| Total domestic deposits to total assets | 85.5400% | 2,845 |
| Equity capital to assets | 10.5421% | 1,434 |
| Core capital (leverage) ratio | 11.1126% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $673,529,800 | 1,340 |
| Average earning assets | $644,310,400 | 1,311 |
| Average equity | $69,322,200 | 1,262 |
| Average total loans | $551,876,400 | 1,101 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 387 |
| Cost of funding earning assets | 0.5500% | 578 |
| Net interest margin | 4.0984% | 524 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.4773% | 4,447 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 2.0379% | 271 |
| Return on assets (ROA) | 2.0379% | 274 |
| Pretax return on assets | 2.5543% | 198 |
| Return on Equity (ROE) | 19.9300% | 440 |
| Retained earnings to average equity (ytd only) | 15.5170% | 319 |
| Net charge-offs to loans | 0.0028% | 2,149 |
| Credit loss provision to net charge-offs | 11,818.1818% | 51 |
| Earnings coverage of net charge-offs (x) | 1,272.3636% | 109 |
| Efficiency ratio | 34.4112% | 4,660 |
| Assets per employee ($millions) | 11.2614% | 469 |
| Cash dividends to net income (ytd only)* | 22.1443% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,178 |
| Loan loss allowance to noncurrent loans | 2,802.6316% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,586 |
| Noncurrent loans to loans | 0.0380% | 3,618 |
| Net loans and leases to total assets | 86.4800% | 97 |
| Net loans and leases to deposits | 98.5203% | 427 |
| Net loans and leases to core deposits | 119.8335% | 259 |
| Total domestic deposits to total assets | 87.7700% | 2,496 |
| Equity capital to assets | 10.4164% | 1,411 |
| Core capital (leverage) ratio | 11.1005% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $662,704,750 | 1,363 |
| Average earning assets | $633,440,500 | 1,335 |
| Average equity | $67,760,500 | 1,298 |
| Average total loans | $526,165,000 | 1,132 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 432 |
| Cost of funding earning assets | 0.5041% | 505 |
| Net interest margin | 3.9019% | 599 |
| Noninterest income to average assets | 0.1711% | 4,151 |
| Noninterest expense to average assets | 1.4876% | 4,432 |
| Loan and lease loss provision to assets | 0.1833% | 482 |
| Net operating income to assets | 1.7775% | 358 |
| Return on assets (ROA) | 1.7775% | 351 |
| Pretax return on assets | 2.2251% | 234 |
| Return on Equity (ROE) | 17.4989% | 522 |
| Retained earnings to average equity (ytd only) | 10.7526% | 833 |
| Net charge-offs to loans | 0.0012% | 2,098 |
| Credit loss provision to net charge-offs | 20,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 2,627.6667% | 32 |
| Efficiency ratio | 38.1822% | 4,649 |
| Assets per employee ($millions) | 10.5298% | 563 |
| Cash dividends to net income (ytd only)* | 38.5528% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,438 |
| Loan loss allowance to noncurrent loans | 2,499.1228% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,631 |
| Noncurrent loans to loans | 0.0415% | 3,633 |
| Net loans and leases to total assets | 83.2992% | 218 |
| Net loans and leases to deposits | 94.8640% | 482 |
| Net loans and leases to core deposits | 111.0503% | 333 |
| Total domestic deposits to total assets | 87.8091% | 2,652 |
| Equity capital to assets | 10.3255% | 1,521 |
| Core capital (leverage) ratio | 10.0803% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $654,623,667 | 1,380 |
| Average earning assets | $624,928,667 | 1,360 |
| Average equity | $66,495,667 | 1,337 |
| Average total loans | $501,408,000 | 1,168 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 619 |
| Cost of funding earning assets | 0.5084% | 474 |
| Net interest margin | 3.6078% | 881 |
| Noninterest income to average assets | 0.1556% | 4,223 |
| Noninterest expense to average assets | 1.4907% | 4,439 |
| Loan and lease loss provision to assets | 0.0915% | 904 |
| Net operating income to assets | 1.6146% | 488 |
| Return on assets (ROA) | 1.6146% | 487 |
| Pretax return on assets | 2.0204% | 333 |
| Return on Equity (ROE) | 16.0270% | 530 |
| Retained earnings to average equity (ytd only) | 13.5981% | 410 |
| Net charge-offs to loans | 0.0008% | 1,813 |
| Credit loss provision to net charge-offs | 15,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 3,461.0000% | 13 |
| Efficiency ratio | 41.3787% | 4,618 |
| Assets per employee ($millions) | 10.3894% | 615 |
| Cash dividends to net income (ytd only)* | 15.1550% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,435 |
| Loan loss allowance to noncurrent loans | 2,302.1930% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,690 |
| Noncurrent loans to loans | 0.0467% | 3,641 |
| Net loans and leases to total assets | 73.7519% | 677 |
| Net loans and leases to deposits | 84.6757% | 836 |
| Net loans and leases to core deposits | 101.1656% | 472 |
| Total domestic deposits to total assets | 87.0992% | 2,894 |
| Equity capital to assets | 10.2175% | 1,745 |
| Core capital (leverage) ratio | 10.3747% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $655,510,500 | 1,383 |
| Average earning assets | $626,308,000 | 1,365 |
| Average equity | $66,038,500 | 1,388 |
| Average total loans | $477,353,500 | 1,201 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 768 |
| Cost of funding earning assets | 0.6771% | 356 |
| Net interest margin | 3.6835% | 1,254 |
| Noninterest income to average assets | 0.1954% | 4,195 |
| Noninterest expense to average assets | 1.5700% | 4,461 |
| Loan and lease loss provision to assets | 0.1672% | 697 |
| Net operating income to assets | 1.5648% | 887 |
| Return on assets (ROA) | 1.5648% | 915 |
| Pretax return on assets | 1.9644% | 646 |
| Return on Equity (ROE) | 15.1612% | 917 |
| Retained earnings to average equity (ytd only) | 11.4966% | 619 |
| Net charge-offs to loans | 0.0830% | 975 |
| Credit loss provision to net charge-offs | 263.9257% | 1,134 |
| Earnings coverage of net charge-offs (x) | 33.6499% | 1,536 |
| Efficiency ratio | 42.4149% | 4,624 |
| Assets per employee ($millions) | 10.2576% | 617 |
| Cash dividends to net income (ytd only)* | 24.1705% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,386 |
| Loan loss allowance to noncurrent loans | 2,236.8421% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,783 |
| Noncurrent loans to loans | 0.0489% | 3,730 |
| Net loans and leases to total assets | 70.3177% | 1,012 |
| Net loans and leases to deposits | 80.4061% | 1,181 |
| Net loans and leases to core deposits | 97.5440% | 636 |
| Total domestic deposits to total assets | 87.4532% | 2,311 |
| Equity capital to assets | 9.9317% | 2,724 |
| Core capital (leverage) ratio | 10.1655% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $595,149,200 | 1,462 |
| Average earning assets | $566,504,400 | 1,438 |
| Average equity | $61,426,600 | 1,485 |
| Average total loans | $454,142,600 | 1,255 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 749 |
| Cost of funding earning assets | 0.7135% | 353 |
| Net interest margin | 3.7320% | 1,270 |
| Noninterest income to average assets | 0.2017% | 4,190 |
| Noninterest expense to average assets | 1.5634% | 4,520 |
| Loan and lease loss provision to assets | 0.1518% | 738 |
| Net operating income to assets | 1.6138% | 1,004 |
| Return on assets (ROA) | 1.6138% | 1,041 |
| Pretax return on assets | 2.0335% | 756 |
| Return on Equity (ROE) | 15.4706% | 1,048 |
| Retained earnings to average equity (ytd only) | 10.5084% | 1,171 |
| Net charge-offs to loans | 0.0050% | 2,149 |
| Credit loss provision to net charge-offs | 3,882.3529% | 200 |
| Earnings coverage of net charge-offs (x) | 559.0000% | 268 |
| Efficiency ratio | 41.7065% | 4,671 |
| Assets per employee ($millions) | 9.9569% | 646 |
| Cash dividends to net income (ytd only)* | 32.0747% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,489 |
| Loan loss allowance to noncurrent loans | 940.3670% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 3,445 |
| Noncurrent loans to loans | 0.1158% | 3,512 |
| Net loans and leases to total assets | 74.1870% | 679 |
| Net loans and leases to deposits | 85.0707% | 883 |
| Net loans and leases to core deposits | 104.4961% | 443 |
| Total domestic deposits to total assets | 87.2063% | 2,265 |
| Equity capital to assets | 10.0425% | 2,864 |
| Core capital (leverage) ratio | 10.2934% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $579,815,000 | 1,510 |
| Average earning assets | $551,072,500 | 1,488 |
| Average equity | $60,483,250 | 1,531 |
| Average total loans | $450,996,750 | 1,282 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 766 |
| Cost of funding earning assets | 0.7447% | 372 |
| Net interest margin | 3.7230% | 1,291 |
| Noninterest income to average assets | 0.2319% | 4,013 |
| Noninterest expense to average assets | 1.5919% | 4,521 |
| Loan and lease loss provision to assets | 0.1312% | 941 |
| Net operating income to assets | 1.6206% | 1,009 |
| Return on assets (ROA) | 1.6206% | 1,066 |
| Pretax return on assets | 2.0422% | 765 |
| Return on Equity (ROE) | 15.3237% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.7759% | 2,162 |
| Net charge-offs to loans | 0.0108% | 1,752 |
| Credit loss provision to net charge-offs | 1,541.6667% | 347 |
| Earnings coverage of net charge-offs (x) | 255.3750% | 428 |
| Efficiency ratio | 42.2773% | 4,688 |
| Assets per employee ($millions) | 9.3075% | 772 |
| Cash dividends to net income (ytd only)* | 49.2560% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,707 |
| Loan loss allowance to noncurrent loans | 608.1864% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 3,275 |
| Noncurrent loans to loans | 0.1698% | 3,368 |
| Net loans and leases to total assets | 77.7095% | 464 |
| Net loans and leases to deposits | 89.3290% | 691 |
| Net loans and leases to core deposits | 111.5424% | 324 |
| Total domestic deposits to total assets | 86.9925% | 2,327 |
| Equity capital to assets | 10.1638% | 2,711 |
| Core capital (leverage) ratio | 10.2904% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,992,000 | 1,537 |
| Average earning assets | $535,263,000 | 1,515 |
| Average equity | $59,646,000 | 1,536 |
| Average total loans | $444,499,667 | 1,304 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 804 |
| Cost of funding earning assets | 0.7867% | 383 |
| Net interest margin | 3.6911% | 1,351 |
| Noninterest income to average assets | 0.3233% | 3,479 |
| Noninterest expense to average assets | 1.6069% | 4,520 |
| Loan and lease loss provision to assets | 0.1715% | 724 |
| Net operating income to assets | 1.6237% | 1,074 |
| Return on assets (ROA) | 1.6237% | 1,130 |
| Pretax return on assets | 2.0440% | 885 |
| Return on Equity (ROE) | 15.0345% | 1,204 |
| Retained earnings to average equity (ytd only) | 12.3249% | 1,067 |
| Net charge-offs to loans | 0.0028% | 1,824 |
| Credit loss provision to net charge-offs | 7,833.3333% | 77 |
| Earnings coverage of net charge-offs (x) | 1,012.0000% | 95 |
| Efficiency ratio | 42.0389% | 4,669 |
| Assets per employee ($millions) | 8.7430% | 901 |
| Cash dividends to net income (ytd only)* | 18.0225% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,558 |
| Loan loss allowance to noncurrent loans | 527.4049% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,375 |
| Noncurrent loans to loans | 0.2034% | 3,380 |
| Net loans and leases to total assets | 76.5255% | 585 |
| Net loans and leases to deposits | 88.6084% | 788 |
| Net loans and leases to core deposits | 112.8945% | 345 |
| Total domestic deposits to total assets | 86.3637% | 2,597 |
| Equity capital to assets | 10.5746% | 2,192 |
| Core capital (leverage) ratio | 11.1453% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,147,500 | 1,566 |
| Average earning assets | $519,626,000 | 1,538 |
| Average equity | $59,197,000 | 1,536 |
| Average total loans | $432,884,500 | 1,322 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 465 |
| Cost of funding earning assets | 1.0506% | 494 |
| Net interest margin | 3.9734% | 1,035 |
| Noninterest income to average assets | 0.1659% | 4,463 |
| Noninterest expense to average assets | 1.8619% | 4,377 |
| Loan and lease loss provision to assets | 0.2837% | 1,341 |
| Net operating income to assets | 1.4054% | 1,007 |
| Return on assets (ROA) | 1.4054% | 1,093 |
| Pretax return on assets | 1.7567% | 753 |
| Return on Equity (ROE) | 12.2193% | 1,259 |
| Retained earnings to average equity (ytd only) | 8.1980% | 997 |
| Net charge-offs to loans | 0.2431% | 710 |
| Credit loss provision to net charge-offs | 143.2319% | 2,462 |
| Earnings coverage of net charge-offs (x) | 10.3001% | 2,467 |
| Efficiency ratio | 47.7121% | 4,645 |
| Assets per employee ($millions) | 8.0000% | 1,039 |
| Cash dividends to net income (ytd only)* | 32.9093% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,679 |
| Loan loss allowance to noncurrent loans | 501.4541% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 2,616 |
| Noncurrent loans to loans | 0.2098% | 3,447 |
| Net loans and leases to total assets | 79.8637% | 437 |
| Net loans and leases to deposits | 93.1680% | 708 |
| Net loans and leases to core deposits | 120.1887% | 306 |
| Total domestic deposits to total assets | 85.7201% | 2,477 |
| Equity capital to assets | 11.0415% | 2,220 |
| Core capital (leverage) ratio | 11.2684% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $481,072,000 | 1,606 |
| Average earning assets | $452,387,200 | 1,590 |
| Average equity | $55,330,600 | 1,552 |
| Average total loans | $391,972,200 | 1,387 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 494 |
| Cost of funding earning assets | 1.1028% | 535 |
| Net interest margin | 4.0045% | 1,107 |
| Noninterest income to average assets | 0.1719% | 4,438 |
| Noninterest expense to average assets | 1.8741% | 4,377 |
| Loan and lease loss provision to assets | 0.3026% | 1,333 |
| Net operating income to assets | 1.4017% | 1,098 |
| Return on assets (ROA) | 1.4017% | 1,195 |
| Pretax return on assets | 1.7565% | 854 |
| Return on Equity (ROE) | 12.0511% | 1,355 |
| Retained earnings to average equity (ytd only) | 6.6166% | 1,844 |
| Net charge-offs to loans | 0.3526% | 449 |
| Credit loss provision to net charge-offs | 105.0296% | 2,585 |
| Earnings coverage of net charge-offs (x) | 7.1479% | 2,596 |
| Efficiency ratio | 47.6490% | 4,631 |
| Assets per employee ($millions) | 7.7874% | 1,081 |
| Cash dividends to net income (ytd only)* | 45.0953% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,739 |
| Loan loss allowance to noncurrent loans | 379.1168% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 2,627 |
| Noncurrent loans to loans | 0.2616% | 3,361 |
| Net loans and leases to total assets | 78.8602% | 728 |
| Net loans and leases to deposits | 94.9831% | 844 |
| Net loans and leases to core deposits | 120.9782% | 393 |
| Total domestic deposits to total assets | 83.0255% | 3,142 |
| Equity capital to assets | 10.8249% | 2,533 |
| Core capital (leverage) ratio | 10.9594% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,339,750 | 1,624 |
| Average earning assets | $440,822,000 | 1,603 |
| Average equity | $54,588,500 | 1,561 |
| Average total loans | $383,424,250 | 1,405 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 504 |
| Cost of funding earning assets | 1.1671% | 570 |
| Net interest margin | 4.0978% | 1,121 |
| Noninterest income to average assets | 0.1629% | 4,476 |
| Noninterest expense to average assets | 1.9417% | 4,344 |
| Loan and lease loss provision to assets | 0.4714% | 801 |
| Net operating income to assets | 1.2685% | 1,444 |
| Return on assets (ROA) | 1.2685% | 1,564 |
| Pretax return on assets | 1.5881% | 1,255 |
| Return on Equity (ROE) | 10.6231% | 1,762 |
| Retained earnings to average equity (ytd only) | 2.3759% | 3,617 |
| Net charge-offs to loans | 0.5447% | 290 |
| Credit loss provision to net charge-offs | 104.9261% | 2,365 |
| Earnings coverage of net charge-offs (x) | 4.5842% | 2,589 |
| Efficiency ratio | 48.5288% | 4,590 |
| Assets per employee ($millions) | 7.6750% | 1,094 |
| Cash dividends to net income (ytd only)* | 77.6343% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,486 |
| Loan loss allowance to noncurrent loans | 95.6370% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 1,153 |
| Noncurrent loans to loans | 1.0643% | 1,459 |
| Net loans and leases to total assets | 79.1091% | 709 |
| Net loans and leases to deposits | 95.3744% | 845 |
| Net loans and leases to core deposits | 123.1759% | 360 |
| Total domestic deposits to total assets | 82.9458% | 3,103 |
| Equity capital to assets | 10.7425% | 2,533 |
| Core capital (leverage) ratio | 11.3696% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,866,667 | 1,650 |
| Average earning assets | $423,256,333 | 1,638 |
| Average equity | $53,958,000 | 1,560 |
| Average total loans | $372,705,333 | 1,423 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 519 |
| Cost of funding earning assets | 1.2932% | 577 |
| Net interest margin | 4.0369% | 1,296 |
| Noninterest income to average assets | 0.1770% | 4,484 |
| Noninterest expense to average assets | 2.0877% | 4,241 |
| Loan and lease loss provision to assets | 0.0988% | 2,448 |
| Net operating income to assets | 1.3997% | 979 |
| Return on assets (ROA) | 1.3997% | 1,060 |
| Pretax return on assets | 1.7573% | 758 |
| Return on Equity (ROE) | 10.9816% | 1,413 |
| Retained earnings to average equity (ytd only) | 8.5740% | 1,085 |
| Net charge-offs to loans | 0.0067% | 2,334 |
| Credit loss provision to net charge-offs | 1,750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 328.6667% | 210 |
| Efficiency ratio | 52.9356% | 4,478 |
| Assets per employee ($millions) | 6.6745% | 1,250 |
| Cash dividends to net income (ytd only)* | 21.9233% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 3,015 |
| Loan loss allowance to noncurrent loans | 155.1339% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,158 |
| Noncurrent loans to loans | 0.7321% | 2,168 |
| Net loans and leases to total assets | 83.6670% | 290 |
| Net loans and leases to deposits | 96.2662% | 884 |
| Net loans and leases to core deposits | 127.4598% | 310 |
| Total domestic deposits to total assets | 86.9121% | 1,596 |
| Equity capital to assets | 12.6352% | 1,654 |
| Core capital (leverage) ratio | 12.7600% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,959,000 | 1,695 |
| Average earning assets | $396,538,000 | 1,678 |
| Average equity | $54,163,500 | 1,538 |
| Average total loans | $356,633,500 | 1,432 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 852 |
| Cost of funding earning assets | 1.2432% | 913 |
| Net interest margin | 4.0359% | 1,726 |
| Noninterest income to average assets | 0.2158% | 4,373 |
| Noninterest expense to average assets | 1.9833% | 4,555 |
| Loan and lease loss provision to assets | 0.1699% | 1,228 |
| Net operating income to assets | 1.4945% | 1,069 |
| Return on assets (ROA) | 1.4945% | 1,129 |
| Pretax return on assets | 1.8591% | 820 |
| Return on Equity (ROE) | 11.9686% | 1,529 |
| Retained earnings to average equity (ytd only) | 7.2359% | 1,288 |
| Net charge-offs to loans | 0.0117% | 3,270 |
| Credit loss provision to net charge-offs | 1,828.9474% | 208 |
| Earnings coverage of net charge-offs (x) | 218.4737% | 371 |
| Efficiency ratio | 49.4305% | 4,765 |
| Assets per employee ($millions) | 6.4011% | 1,355 |
| Cash dividends to net income (ytd only)* | 39.5421% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,566 |
| Loan loss allowance to noncurrent loans | 161.1243% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,075 |
| Noncurrent loans to loans | 0.7298% | 2,056 |
| Net loans and leases to total assets | 82.2072% | 537 |
| Net loans and leases to deposits | 94.8799% | 1,065 |
| Net loans and leases to core deposits | 124.8547% | 369 |
| Total domestic deposits to total assets | 86.6434% | 1,783 |
| Equity capital to assets | 12.8607% | 1,607 |
| Core capital (leverage) ratio | 13.0099% | 1,229 |
| Tier 1 risk-based capital ratio | 13.6774% | 3,423 |
| Total risk-based capital ratio | 14.7154% | 3,431 |
| Memoranda: | ||
| Average total assets | $409,173,200 | 1,717 |
| Average earning assets | $384,895,600 | 1,685 |
| Average equity | $51,092,200 | 1,565 |
| Average total loans | $325,502,800 | 1,513 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 1,086 |
| Cost of funding earning assets | 1.2280% | 955 |
| Net interest margin | 3.9495% | 2,105 |
| Noninterest income to average assets | 0.2137% | 4,446 |
| Noninterest expense to average assets | 1.9820% | 4,592 |
| Loan and lease loss provision to assets | 0.1178% | 1,660 |
| Net operating income to assets | 1.4608% | 1,302 |
| Return on assets (ROA) | 1.4608% | 1,350 |
| Pretax return on assets | 1.8354% | 1,006 |
| Return on Equity (ROE) | 11.7887% | 1,691 |
| Retained earnings to average equity (ytd only) | 5.4032% | 2,676 |
| Net charge-offs to loans | 0.0154% | 2,849 |
| Credit loss provision to net charge-offs | 972.9730% | 367 |
| Earnings coverage of net charge-offs (x) | 161.3312% | 514 |
| Efficiency ratio | 50.3659% | 4,717 |
| Assets per employee ($millions) | 6.4600% | 1,291 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 2,891 |
| Loan loss allowance to noncurrent loans | 350.1406% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 3,513 |
| Noncurrent loans to loans | 0.3219% | 3,376 |
| Net loans and leases to total assets | 80.5397% | 774 |
| Net loans and leases to deposits | 92.8293% | 1,335 |
| Net loans and leases to core deposits | 121.7614% | 478 |
| Total domestic deposits to total assets | 86.7611% | 1,645 |
| Equity capital to assets | 12.7366% | 1,763 |
| Core capital (leverage) ratio | 12.8256% | 1,424 |
| Tier 1 risk-based capital ratio | 13.9997% | 3,334 |
| Total risk-based capital ratio | 15.0060% | 3,355 |
| Memoranda: | ||
| Average total assets | $407,448,250 | 1,732 |
| Average earning assets | $383,936,500 | 1,705 |
| Average equity | $50,487,750 | 1,588 |
| Average total loans | $320,350,500 | 1,540 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,540 |
| Cost of funding earning assets | 1.1974% | 1,008 |
| Net interest margin | 3.7802% | 2,647 |
| Noninterest income to average assets | 0.2193% | 4,432 |
| Noninterest expense to average assets | 1.9926% | 4,607 |
| Loan and lease loss provision to assets | 0.1104% | 1,694 |
| Net operating income to assets | 1.3469% | 1,588 |
| Return on assets (ROA) | 1.3469% | 1,654 |
| Pretax return on assets | 1.6899% | 1,291 |
| Return on Equity (ROE) | 10.9716% | 1,986 |
| Retained earnings to average equity (ytd only) | 1.3070% | 4,349 |
| Net charge-offs to loans | 0.0196% | 2,474 |
| Credit loss provision to net charge-offs | 725.8065% | 452 |
| Earnings coverage of net charge-offs (x) | 118.3548% | 612 |
| Efficiency ratio | 52.5356% | 4,612 |
| Assets per employee ($millions) | 6.2625% | 1,362 |
| Cash dividends to net income (ytd only)* | 88.0874% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,790 |
| Loan loss allowance to noncurrent loans | 273.6722% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,238 |
| Noncurrent loans to loans | 0.4201% | 3,031 |
| Net loans and leases to total assets | 76.1925% | 1,515 |
| Net loans and leases to deposits | 87.3198% | 2,081 |
| Net loans and leases to core deposits | 115.1342% | 722 |
| Total domestic deposits to total assets | 87.2568% | 1,456 |
| Equity capital to assets | 12.3081% | 1,980 |
| Core capital (leverage) ratio | 12.2001% | 1,703 |
| Tier 1 risk-based capital ratio | 14.1876% | 3,226 |
| Total risk-based capital ratio | 15.2059% | 3,252 |
| Memoranda: | ||
| Average total assets | $407,603,330 | 1,736 |
| Average earning assets | $385,323,670 | 1,702 |
| Average equity | $50,038,330 | 1,589 |
| Average total loans | $316,627,670 | 1,557 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 1,633 |
| Cost of funding earning assets | 1.1116% | 1,147 |
| Net interest margin | 3.7735% | 2,619 |
| Noninterest income to average assets | 0.1716% | 4,711 |
| Noninterest expense to average assets | 2.0134% | 4,619 |
| Loan and lease loss provision to assets | 0.1324% | 1,310 |
| Net operating income to assets | 1.2847% | 1,758 |
| Return on assets (ROA) | 1.2847% | 1,799 |
| Pretax return on assets | 1.6113% | 1,439 |
| Return on Equity (ROE) | 10.4786% | 2,163 |
| Retained earnings to average equity (ytd only) | 7.2791% | 1,940 |
| Net charge-offs to loans | 0.0641% | 1,400 |
| Credit loss provision to net charge-offs | 264.7059% | 895 |
| Earnings coverage of net charge-offs (x) | 34.8627% | 1,241 |
| Efficiency ratio | 53.5891% | 4,575 |
| Assets per employee ($millions) | 6.5698% | 1,202 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,001 |
| Loan loss allowance to noncurrent loans | 401.8391% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 3,769 |
| Noncurrent loans to loans | 0.2794% | 3,563 |
| Net loans and leases to total assets | 75.5971% | 1,546 |
| Net loans and leases to deposits | 86.7665% | 2,029 |
| Net loans and leases to core deposits | 114.8684% | 695 |
| Total domestic deposits to total assets | 87.1271% | 1,742 |
| Equity capital to assets | 12.4018% | 1,800 |
| Core capital (leverage) ratio | 12.5587% | 1,473 |
| Tier 1 risk-based capital ratio | 14.8150% | 2,952 |
| Total risk-based capital ratio | 15.8339% | 2,992 |
| Memoranda: | ||
| Average total assets | $407,872,500 | 1,740 |
| Average earning assets | $387,542,000 | 1,698 |
| Average equity | $50,006,500 | 1,578 |
| Average total loans | $318,061,500 | 1,567 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 1,055 |
| Cost of funding earning assets | 0.8542% | 1,284 |
| Net interest margin | 4.1406% | 1,557 |
| Noninterest income to average assets | 0.1870% | 4,792 |
| Noninterest expense to average assets | 2.0204% | 4,717 |
| Loan and lease loss provision to assets | 0.1602% | 1,282 |
| Net operating income to assets | 1.5526% | 988 |
| Return on assets (ROA) | 1.5528% | 980 |
| Pretax return on assets | 1.9612% | 609 |
| Return on Equity (ROE) | 12.8842% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.2766% | 395 |
| Net charge-offs to loans | 0.0044% | 3,562 |
| Credit loss provision to net charge-offs | 4,428.5714% | 116 |
| Earnings coverage of net charge-offs (x) | 586.5000% | 186 |
| Efficiency ratio | 48.7837% | 5,007 |
| Assets per employee ($millions) | 6.6953% | 1,116 |
| Cash dividends to net income (ytd only)* | 12.4771% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,377 |
| Loan loss allowance to noncurrent loans | 1,328.0156% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 4,520 |
| Noncurrent loans to loans | 0.0792% | 4,394 |
| Net loans and leases to total assets | 78.6661% | 1,156 |
| Net loans and leases to deposits | 89.9814% | 1,802 |
| Net loans and leases to core deposits | 119.2807% | 568 |
| Total domestic deposits to total assets | 87.4248% | 1,577 |
| Equity capital to assets | 12.1193% | 1,804 |
| Core capital (leverage) ratio | 12.7136% | 1,366 |
| Tier 1 risk-based capital ratio | 13.9578% | 3,309 |
| Total risk-based capital ratio | 14.9120% | 3,378 |
| Memoranda: | ||
| Average total assets | $387,111,000 | 1,769 |
| Average earning assets | $369,703,400 | 1,724 |
| Average equity | $46,654,000 | 1,608 |
| Average total loans | $317,358,800 | 1,525 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 1,067 |
| Cost of funding earning assets | 0.8059% | 1,307 |
| Net interest margin | 4.1361% | 1,533 |
| Noninterest income to average assets | 0.1900% | 4,837 |
| Noninterest expense to average assets | 2.0370% | 4,669 |
| Loan and lease loss provision to assets | 0.1414% | 1,412 |
| Net operating income to assets | 1.5587% | 1,049 |
| Return on assets (ROA) | 1.5590% | 1,051 |
| Pretax return on assets | 1.9620% | 693 |
| Return on Equity (ROE) | 12.9548% | 1,448 |
| Retained earnings to average equity (ytd only) | 10.7783% | 703 |
| Net charge-offs to loans | 0.0021% | 3,416 |
| Credit loss provision to net charge-offs | 8,100.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,203.7676% | 65 |
| Efficiency ratio | 49.2029% | 4,984 |
| Assets per employee ($millions) | 6.2191% | 1,338 |
| Cash dividends to net income (ytd only)* | 16.8012% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,771 |
| Loan loss allowance to noncurrent loans | 3,604.4944% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,872 |
| Noncurrent loans to loans | 0.0277% | 4,770 |
| Net loans and leases to total assets | 82.4125% | 645 |
| Net loans and leases to deposits | 94.5232% | 1,320 |
| Net loans and leases to core deposits | 125.0436% | 438 |
| Total domestic deposits to total assets | 87.1876% | 1,645 |
| Equity capital to assets | 12.4156% | 1,640 |
| Core capital (leverage) ratio | 12.5474% | 1,475 |
| Tier 1 risk-based capital ratio | 14.5444% | 3,101 |
| Total risk-based capital ratio | 15.5089% | 3,153 |
| Memoranda: | ||
| Average total assets | $381,784,750 | 1,797 |
| Average earning assets | $364,622,000 | 1,752 |
| Average equity | $45,943,250 | 1,636 |
| Average total loans | $315,524,000 | 1,536 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 1,100 |
| Cost of funding earning assets | 0.7499% | 1,369 |
| Net interest margin | 4.1126% | 1,516 |
| Noninterest income to average assets | 0.1934% | 4,857 |
| Noninterest expense to average assets | 2.0341% | 4,737 |
| Loan and lease loss provision to assets | 0.1419% | 1,375 |
| Net operating income to assets | 1.5470% | 1,039 |
| Return on assets (ROA) | 1.5474% | 1,044 |
| Pretax return on assets | 1.9468% | 693 |
| Return on Equity (ROE) | 12.9978% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.6865% | 1,013 |
| Net charge-offs to loans | 0.0019% | 3,141 |
| Credit loss provision to net charge-offs | 9,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,324.3333% | 56 |
| Efficiency ratio | 49.3434% | 5,060 |
| Assets per employee ($millions) | 6.2084% | 1,327 |
| Cash dividends to net income (ytd only)* | 25.4755% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.2693% | 549 |
| Net loans and leases to deposits | 95.2774% | 1,221 |
| Net loans and leases to core deposits | 124.4686% | 444 |
| Total domestic deposits to total assets | 87.3967% | 1,685 |
| Equity capital to assets | 12.2450% | 1,699 |
| Core capital (leverage) ratio | 12.4412% | 1,468 |
| Tier 1 risk-based capital ratio | 13.7628% | 3,476 |
| Total risk-based capital ratio | 14.6657% | 3,584 |
| Memoranda: | ||
| Average total assets | $380,517,330 | 1,811 |
| Average earning assets | $363,514,000 | 1,763 |
| Average equity | $45,300,000 | 1,662 |
| Average total loans | $313,705,330 | 1,543 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 1,209 |
| Cost of funding earning assets | 0.7261% | 1,310 |
| Net interest margin | 4.0146% | 1,681 |
| Noninterest income to average assets | 0.1898% | 4,886 |
| Noninterest expense to average assets | 2.0943% | 4,669 |
| Loan and lease loss provision to assets | 0.1416% | 1,332 |
| Net operating income to assets | 1.4252% | 1,267 |
| Return on assets (ROA) | 1.4252% | 1,275 |
| Pretax return on assets | 1.7922% | 925 |
| Return on Equity (ROE) | 12.1438% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.5695% | 1,629 |
| Net charge-offs to loans | -0.0013% | 3,773 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9917% | 4,964 |
| Assets per employee ($millions) | 6.4882% | 1,207 |
| Cash dividends to net income (ytd only)* | 29.4334% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 80.0351% | 930 |
| Net loans and leases to deposits | 91.0895% | 1,544 |
| Net loans and leases to core deposits | 120.3661% | 576 |
| Total domestic deposits to total assets | 87.8642% | 1,696 |
| Equity capital to assets | 11.8014% | 1,913 |
| Core capital (leverage) ratio | 12.0425% | 1,630 |
| Tier 1 risk-based capital ratio | 13.6523% | 3,573 |
| Total risk-based capital ratio | 14.5330% | 3,696 |
| Memoranda: | ||
| Average total assets | $381,420,500 | 1,817 |
| Average earning assets | $364,671,500 | 1,767 |
| Average equity | $44,763,500 | 1,684 |
| Average total loans | $311,346,000 | 1,554 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,182 |
| Cost of funding earning assets | 0.6395% | 1,359 |
| Net interest margin | 4.0648% | 1,544 |
| Noninterest income to average assets | 0.2183% | 4,842 |
| Noninterest expense to average assets | 2.1950% | 4,540 |
| Loan and lease loss provision to assets | 0.2079% | 966 |
| Net operating income to assets | 1.0837% | 1,916 |
| Return on assets (ROA) | 1.0837% | 1,939 |
| Pretax return on assets | 1.6749% | 1,081 |
| Return on Equity (ROE) | 10.0118% | 1,880 |
| Retained earnings to average equity (ytd only) | 8.9476% | 522 |
| Net charge-offs to loans | 0.0072% | 3,822 |
| Credit loss provision to net charge-offs | 3,700.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 335.0500% | 262 |
| Efficiency ratio | 53.8276% | 4,963 |
| Assets per employee ($millions) | 5.9381% | 1,558 |
| Cash dividends to net income (ytd only)* | 10.6300% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 4,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.7196% | 723 |
| Net loans and leases to deposits | 92.8776% | 1,400 |
| Net loans and leases to core deposits | 122.1584% | 522 |
| Total domestic deposits to total assets | 87.9863% | 1,511 |
| Equity capital to assets | 11.6701% | 2,058 |
| Core capital (leverage) ratio | 12.1696% | 1,518 |
| Tier 1 risk-based capital ratio | 13.1317% | 3,828 |
| Total risk-based capital ratio | 13.9570% | 3,985 |
| Memoranda: | ||
| Average total assets | $355,899,600 | 1,888 |
| Average earning assets | $337,926,400 | 1,852 |
| Average equity | $38,524,400 | 1,915 |
| Average total loans | $278,830,400 | 1,665 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 1,232 |
| Cost of funding earning assets | 0.6242% | 1,385 |
| Net interest margin | 4.0340% | 1,586 |
| Noninterest income to average assets | 0.2271% | 4,852 |
| Noninterest expense to average assets | 2.2519% | 4,415 |
| Loan and lease loss provision to assets | 0.1543% | 1,343 |
| Net operating income to assets | 1.1025% | 2,082 |
| Return on assets (ROA) | 1.1025% | 2,131 |
| Pretax return on assets | 1.6455% | 1,254 |
| Return on Equity (ROE) | 10.4059% | 1,946 |
| Retained earnings to average equity (ytd only) | 8.9312% | 867 |
| Net charge-offs to loans | 0.0084% | 3,428 |
| Credit loss provision to net charge-offs | 2,382.3529% | 180 |
| Earnings coverage of net charge-offs (x) | 277.7759% | 331 |
| Efficiency ratio | 55.5775% | 4,784 |
| Assets per employee ($millions) | 5.7078% | 1,707 |
| Cash dividends to net income (ytd only)* | 14.1721% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,813 |
| Loan loss allowance to noncurrent loans | 94.6825% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 2,361 |
| Noncurrent loans to loans | 0.8759% | 2,184 |
| Net loans and leases to total assets | 81.0170% | 840 |
| Net loans and leases to deposits | 92.3626% | 1,515 |
| Net loans and leases to core deposits | 122.5621% | 501 |
| Total domestic deposits to total assets | 87.7163% | 1,511 |
| Equity capital to assets | 11.8977% | 2,034 |
| Core capital (leverage) ratio | 12.0632% | 1,644 |
| Tier 1 risk-based capital ratio | 13.1883% | 3,882 |
| Total risk-based capital ratio | 13.9362% | 4,110 |
| Memoranda: | ||
| Average total assets | $349,864,500 | 1,928 |
| Average earning assets | $331,706,000 | 1,894 |
| Average equity | $37,067,750 | 1,984 |
| Average total loans | $270,194,500 | 1,717 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 1,353 |
| Cost of funding earning assets | 0.5980% | 1,465 |
| Net interest margin | 3.9638% | 1,730 |
| Noninterest income to average assets | 0.2414% | 4,797 |
| Noninterest expense to average assets | 2.2122% | 4,541 |
| Loan and lease loss provision to assets | 0.1566% | 1,279 |
| Net operating income to assets | 1.0942% | 2,007 |
| Return on assets (ROA) | 1.0942% | 2,065 |
| Pretax return on assets | 1.6338% | 1,242 |
| Return on Equity (ROE) | 10.7968% | 1,719 |
| Retained earnings to average equity (ytd only) | 8.4497% | 1,012 |
| Net charge-offs to loans | -0.0008% | 4,128 |
| Credit loss provision to net charge-offs | -27,000.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2689% | 4,898 |
| Assets per employee ($millions) | 5.7679% | 1,635 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,800 |
| Loan loss allowance to noncurrent loans | 235,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,331 |
| Noncurrent loans to loans | 0.0004% | 5,208 |
| Net loans and leases to total assets | 76.4052% | 1,479 |
| Net loans and leases to deposits | 87.0759% | 2,096 |
| Net loans and leases to core deposits | 117.7678% | 647 |
| Total domestic deposits to total assets | 87.7456% | 1,593 |
| Equity capital to assets | 11.8778% | 2,020 |
| Core capital (leverage) ratio | 12.0333% | 1,619 |
| Tier 1 risk-based capital ratio | 13.5838% | 3,647 |
| Total risk-based capital ratio | 14.3350% | 3,861 |
| Memoranda: | ||
| Average total assets | $344,720,670 | 1,951 |
| Average earning assets | $327,112,330 | 1,923 |
| Average equity | $34,936,330 | 2,079 |
| Average total loans | $260,783,670 | 1,761 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 1,365 |
| Cost of funding earning assets | 0.5604% | 1,643 |
| Net interest margin | 3.9425% | 1,633 |
| Noninterest income to average assets | 0.2684% | 4,624 |
| Noninterest expense to average assets | 2.3578% | 4,238 |
| Loan and lease loss provision to assets | 0.1596% | 1,129 |
| Net operating income to assets | 0.9968% | 2,319 |
| Return on assets (ROA) | 0.9968% | 2,371 |
| Pretax return on assets | 1.4864% | 1,583 |
| Return on Equity (ROE) | 10.8193% | 1,631 |
| Retained earnings to average equity (ytd only) | 5.5572% | 2,562 |
| Net charge-offs to loans | -0.0032% | 4,069 |
| Credit loss provision to net charge-offs | -6,750.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8895% | 4,606 |
| Assets per employee ($millions) | 5.6747% | 1,746 |
| Cash dividends to net income (ytd only)* | 48.6358% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 4,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.4659% | 2,147 |
| Net loans and leases to deposits | 78.6884% | 2,901 |
| Net loans and leases to core deposits | 106.8047% | 1,044 |
| Total domestic deposits to total assets | 90.8214% | 354 |
| Equity capital to assets | 8.7778% | 5,016 |
| Core capital (leverage) ratio | 9.2634% | 4,394 |
| Tier 1 risk-based capital ratio | 10.5429% | 5,523 |
| Total risk-based capital ratio | 11.2849% | 5,651 |
| Memoranda: | ||
| Average total assets | $338,276,500 | 2,001 |
| Average earning assets | $320,511,000 | 1,962 |
| Average equity | $31,166,500 | 2,284 |
| Average total loans | $253,380,500 | 1,816 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 821 |
| Cost of funding earning assets | 0.4667% | 2,388 |
| Net interest margin | 4.3724% | 817 |
| Noninterest income to average assets | 0.5026% | 3,222 |
| Noninterest expense to average assets | 2.5915% | 3,698 |
| Loan and lease loss provision to assets | 0.2143% | 1,044 |
| Net operating income to assets | 1.2568% | 1,340 |
| Return on assets (ROA) | 1.2568% | 1,419 |
| Pretax return on assets | 1.8486% | 692 |
| Return on Equity (ROE) | 12.3895% | 1,147 |
| Retained earnings to average equity (ytd only) | 11.3230% | 272 |
| Net charge-offs to loans | 0.0150% | 3,794 |
| Credit loss provision to net charge-offs | 1,771.4286% | 249 |
| Earnings coverage of net charge-offs (x) | 170.5143% | 382 |
| Efficiency ratio | 55.6777% | 5,093 |
| Assets per employee ($millions) | 5.2303% | 2,134 |
| Cash dividends to net income (ytd only)* | 8.6084% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 4,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.4040% | 1,292 |
| Net loans and leases to deposits | 86.0543% | 2,159 |
| Net loans and leases to core deposits | 108.8013% | 975 |
| Total domestic deposits to total assets | 89.9479% | 652 |
| Equity capital to assets | 9.7014% | 4,067 |
| Core capital (leverage) ratio | 10.2024% | 3,221 |
| Tier 1 risk-based capital ratio | 11.0457% | 5,319 |
| Total risk-based capital ratio | 11.7855% | 5,491 |
| Memoranda: | ||
| Average total assets | $289,295,200 | 2,228 |
| Average earning assets | $274,700,400 | 2,179 |
| Average equity | $29,347,400 | 2,414 |
| Average total loans | $233,406,000 | 1,883 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 758 |
| Cost of funding earning assets | 0.4630% | 2,436 |
| Net interest margin | 4.4159% | 753 |
| Noninterest income to average assets | 0.5535% | 2,898 |
| Noninterest expense to average assets | 2.5241% | 3,911 |
| Loan and lease loss provision to assets | 0.2436% | 784 |
| Net operating income to assets | 1.3477% | 1,174 |
| Return on assets (ROA) | 1.3477% | 1,252 |
| Pretax return on assets | 1.9858% | 588 |
| Return on Equity (ROE) | 13.1228% | 1,020 |
| Retained earnings to average equity (ytd only) | 11.6811% | 338 |
| Net charge-offs to loans | 0.0006% | 3,940 |
| Credit loss provision to net charge-offs | 51,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 4,724.6917% | 10 |
| Efficiency ratio | 53.0998% | 5,306 |
| Assets per employee ($millions) | 4.7339% | 2,693 |
| Cash dividends to net income (ytd only)* | 10.9862% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 5,178 |
| Loan loss allowance to noncurrent loans | 800.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 5,113 |
| Noncurrent loans to loans | 0.1004% | 4,937 |
| Net loans and leases to total assets | 80.8759% | 774 |
| Net loans and leases to deposits | 92.0915% | 1,486 |
| Net loans and leases to core deposits | 115.9816% | 658 |
| Total domestic deposits to total assets | 87.8213% | 1,490 |
| Equity capital to assets | 9.8940% | 4,247 |
| Core capital (leverage) ratio | 10.0669% | 3,481 |
| Tier 1 risk-based capital ratio | 10.7418% | 5,502 |
| Total risk-based capital ratio | 11.4547% | 5,673 |
| Memoranda: | ||
| Average total assets | $281,857,000 | 2,279 |
| Average earning assets | $268,083,750 | 2,232 |
| Average equity | $28,946,250 | 2,462 |
| Average total loans | $229,496,750 | 1,911 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 723 |
| Cost of funding earning assets | 0.4307% | 2,730 |
| Net interest margin | 4.4702% | 655 |
| Noninterest income to average assets | 0.3301% | 4,420 |
| Noninterest expense to average assets | 2.5867% | 3,768 |
| Loan and lease loss provision to assets | 0.1720% | 1,286 |
| Net operating income to assets | 1.2487% | 1,433 |
| Return on assets (ROA) | 1.2487% | 1,538 |
| Pretax return on assets | 1.8255% | 833 |
| Return on Equity (ROE) | 11.9942% | 1,325 |
| Retained earnings to average equity (ytd only) | 9.7937% | 641 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4266% | 5,096 |
| Assets per employee ($millions) | 4.8260% | 2,524 |
| Cash dividends to net income (ytd only)* | 18.3470% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 5,518 |
| Loan loss allowance to noncurrent loans | 3,158.1818% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 5,278 |
| Noncurrent loans to loans | 0.0222% | 5,384 |
| Net loans and leases to total assets | 83.6366% | 449 |
| Net loans and leases to deposits | 96.1476% | 1,067 |
| Net loans and leases to core deposits | 124.9281% | 393 |
| Total domestic deposits to total assets | 86.9877% | 1,923 |
| Equity capital to assets | 9.9598% | 4,279 |
| Core capital (leverage) ratio | 10.5306% | 2,936 |
| Tier 1 risk-based capital ratio | 10.4985% | 5,672 |
| Total risk-based capital ratio | 11.1223% | 5,844 |
| Memoranda: | ||
| Average total assets | $273,242,330 | 2,350 |
| Average earning assets | $260,033,330 | 2,301 |
| Average equity | $28,447,000 | 2,498 |
| Average total loans | $222,371,670 | 1,968 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 689 |
| Cost of funding earning assets | 0.4118% | 2,934 |
| Net interest margin | 4.4912% | 616 |
| Noninterest income to average assets | 0.3472% | 4,249 |
| Noninterest expense to average assets | 2.6786% | 3,502 |
| Loan and lease loss provision to assets | 0.1599% | 1,301 |
| Net operating income to assets | 1.2380% | 1,432 |
| Return on assets (ROA) | 1.2380% | 1,535 |
| Pretax return on assets | 1.7939% | 863 |
| Return on Equity (ROE) | 11.6099% | 1,423 |
| Retained earnings to average equity (ytd only) | 7.1402% | 1,821 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8238% | 5,020 |
| Assets per employee ($millions) | 4.3787% | 3,277 |
| Cash dividends to net income (ytd only)* | 38.4994% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 5,524 |
| Loan loss allowance to noncurrent loans | 2,921.8182% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,294 |
| Noncurrent loans to loans | 0.0252% | 5,393 |
| Net loans and leases to total assets | 78.3829% | 1,048 |
| Net loans and leases to deposits | 87.7347% | 1,861 |
| Net loans and leases to core deposits | 113.9520% | 672 |
| Total domestic deposits to total assets | 89.3408% | 926 |
| Equity capital to assets | 10.2786% | 3,769 |
| Core capital (leverage) ratio | 10.5256% | 2,930 |
| Tier 1 risk-based capital ratio | 11.7977% | 5,047 |
| Total risk-based capital ratio | 12.4667% | 5,295 |
| Memoranda: | ||
| Average total assets | $262,672,000 | 2,445 |
| Average earning assets | $250,626,000 | 2,378 |
| Average equity | $28,010,500 | 2,530 |
| Average total loans | $209,583,000 | 2,058 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,355 |
| Cost of funding earning assets | 0.3410% | 3,784 |
| Net interest margin | 4.2513% | 1,063 |
| Noninterest income to average assets | 0.4024% | 4,017 |
| Noninterest expense to average assets | 2.6791% | 3,654 |
| Loan and lease loss provision to assets | 0.1227% | 1,953 |
| Net operating income to assets | 1.1214% | 1,830 |
| Return on assets (ROA) | 1.1214% | 1,896 |
| Pretax return on assets | 1.6383% | 1,142 |
| Return on Equity (ROE) | 10.3415% | 1,867 |
| Retained earnings to average equity (ytd only) | 9.2176% | 603 |
| Net charge-offs to loans | -0.0022% | 4,882 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3390% | 4,866 |
| Assets per employee ($millions) | 3.9601% | 4,013 |
| Cash dividends to net income (ytd only)* | 10.8680% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 5,545 |
| Loan loss allowance to noncurrent loans | 1,597.8723% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 5,232 |
| Noncurrent loans to loans | 0.0467% | 5,331 |
| Net loans and leases to total assets | 80.0972% | 833 |
| Net loans and leases to deposits | 90.4238% | 1,561 |
| Net loans and leases to core deposits | 113.8021% | 691 |
| Total domestic deposits to total assets | 88.5798% | 1,338 |
| Equity capital to assets | 11.0895% | 2,732 |
| Core capital (leverage) ratio | 11.1119% | 2,300 |
| Tier 1 risk-based capital ratio | 12.4908% | 4,641 |
| Total risk-based capital ratio | 13.1647% | 4,912 |
| Memoranda: | ||
| Average total assets | $244,523,000 | 2,542 |
| Average earning assets | $232,233,600 | 2,490 |
| Average equity | $26,514,600 | 2,595 |
| Average total loans | $185,579,800 | 2,188 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 1,551 |
| Cost of funding earning assets | 0.3326% | 3,946 |
| Net interest margin | 4.1823% | 1,207 |
| Noninterest income to average assets | 0.4012% | 4,076 |
| Noninterest expense to average assets | 2.6334% | 3,761 |
| Loan and lease loss provision to assets | 0.1124% | 2,008 |
| Net operating income to assets | 1.1147% | 1,943 |
| Return on assets (ROA) | 1.1147% | 2,020 |
| Pretax return on assets | 1.6244% | 1,313 |
| Return on Equity (ROE) | 10.3404% | 1,954 |
| Retained earnings to average equity (ytd only) | 8.8255% | 968 |
| Net charge-offs to loans | -0.0037% | 4,778 |
| Credit loss provision to net charge-offs | -4,100.0000% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2583% | 4,854 |
| Assets per employee ($millions) | 4.0262% | 3,834 |
| Cash dividends to net income (ytd only)* | 14.6508% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 5,501 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.3921% | 1,043 |
| Net loans and leases to deposits | 88.3622% | 1,851 |
| Net loans and leases to core deposits | 110.7723% | 835 |
| Total domestic deposits to total assets | 88.7167% | 1,171 |
| Equity capital to assets | 10.9055% | 3,123 |
| Core capital (leverage) ratio | 10.9277% | 2,569 |
| Tier 1 risk-based capital ratio | 12.7318% | 4,592 |
| Total risk-based capital ratio | 13.3925% | 4,907 |
| Memoranda: | ||
| Average total assets | $243,281,750 | 2,571 |
| Average earning assets | $230,872,000 | 2,522 |
| Average equity | $26,226,500 | 2,630 |
| Average total loans | $181,641,000 | 2,230 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 1,594 |
| Cost of funding earning assets | 0.3204% | 4,153 |
| Net interest margin | 4.1600% | 1,202 |
| Noninterest income to average assets | 0.4080% | 4,026 |
| Noninterest expense to average assets | 2.6430% | 3,764 |
| Loan and lease loss provision to assets | 0.1202% | 1,838 |
| Net operating income to assets | 1.0889% | 1,987 |
| Return on assets (ROA) | 1.0889% | 2,082 |
| Pretax return on assets | 1.5856% | 1,374 |
| Return on Equity (ROE) | 10.1412% | 2,003 |
| Retained earnings to average equity (ytd only) | 7.8396% | 1,328 |
| Net charge-offs to loans | -0.0023% | 4,601 |
| Credit loss provision to net charge-offs | -7,250.0000% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7742% | 4,865 |
| Assets per employee ($millions) | 4.1406% | 3,588 |
| Cash dividends to net income (ytd only)* | 22.6961% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 5,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 5,581 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 76.2170% | 1,336 |
| Net loans and leases to deposits | 85.7721% | 2,076 |
| Net loans and leases to core deposits | 103.9917% | 1,189 |
| Total domestic deposits to total assets | 88.8598% | 1,210 |
| Equity capital to assets | 10.8418% | 3,062 |
| Core capital (leverage) ratio | 10.9867% | 2,434 |
| Tier 1 risk-based capital ratio | 12.7526% | 4,654 |
| Total risk-based capital ratio | 13.4021% | 4,936 |
| Memoranda: | ||
| Average total assets | $241,167,000 | 2,601 |
| Average earning assets | $228,459,330 | 2,554 |
| Average equity | $25,894,330 | 2,661 |
| Average total loans | $176,489,670 | 2,293 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2891% | 2,134 |
| Cost of funding earning assets | 0.2839% | 4,620 |
| Net interest margin | 4.0052% | 1,535 |
| Noninterest income to average assets | 0.3656% | 4,288 |
| Noninterest expense to average assets | 2.5993% | 3,925 |
| Loan and lease loss provision to assets | 0.0751% | 2,449 |
| Net operating income to assets | 1.0083% | 2,228 |
| Return on assets (ROA) | 1.0083% | 2,366 |
| Pretax return on assets | 1.4825% | 1,620 |
| Return on Equity (ROE) | 9.4381% | 2,244 |
| Retained earnings to average equity (ytd only) | 4.7815% | 3,183 |
| Net charge-offs to loans | -0.0023% | 4,365 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5301% | 4,702 |
| Assets per employee ($millions) | 4.2631% | 3,443 |
| Cash dividends to net income (ytd only)* | 49.3377% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 5,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 5,653 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.7833% | 1,843 |
| Net loans and leases to deposits | 80.5996% | 2,489 |
| Net loans and leases to core deposits | 97.6789% | 1,501 |
| Total domestic deposits to total assets | 89.0616% | 1,223 |
| Equity capital to assets | 10.6256% | 3,395 |
| Core capital (leverage) ratio | 10.8561% | 2,569 |
| Tier 1 risk-based capital ratio | 13.2172% | 4,486 |
| Total risk-based capital ratio | 13.8554% | 4,755 |
| Memoranda: | ||
| Average total assets | $239,602,500 | 2,636 |
| Average earning assets | $226,807,000 | 2,586 |
| Average equity | $25,598,500 | 2,695 |
| Average total loans | $170,964,500 | 2,359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,156 |
| Cost of funding earning assets | 0.2315% | 5,506 |
| Net interest margin | 4.1894% | 1,334 |
| Noninterest income to average assets | 0.4876% | 3,604 |
| Noninterest expense to average assets | 2.9370% | 3,034 |
| Loan and lease loss provision to assets | 0.0765% | 2,948 |
| Net operating income to assets | 0.9940% | 2,415 |
| Return on assets (ROA) | 0.9621% | 2,656 |
| Pretax return on assets | 1.3520% | 2,068 |
| Return on Equity (ROE) | 8.9017% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.0194% | 1,012 |
| Net charge-offs to loans | -0.0839% | 6,077 |
| Credit loss provision to net charge-offs | -133.8583% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5919% | 4,134 |
| Assets per employee ($millions) | 4.0725% | 3,778 |
| Cash dividends to net income (ytd only)* | 9.9112% | 4,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 5,949 |
| Loan loss allowance to noncurrent loans | 1,032.7586% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 5,542 |
| Noncurrent loans to loans | 0.0698% | 5,599 |
| Net loans and leases to total assets | 69.8773% | 2,257 |
| Net loans and leases to deposits | 78.5213% | 2,909 |
| Net loans and leases to core deposits | 95.1227% | 1,798 |
| Total domestic deposits to total assets | 88.9914% | 1,243 |
| Equity capital to assets | 10.7435% | 3,187 |
| Core capital (leverage) ratio | 11.1152% | 2,296 |
| Tier 1 risk-based capital ratio | 13.1473% | 4,624 |
| Total risk-based capital ratio | 13.7675% | 4,944 |
| Memoranda: | ||
| Average total assets | $222,334,200 | 2,757 |
| Average earning assets | $208,191,200 | 2,724 |
| Average equity | $24,029,200 | 2,756 |
| Average total loans | $151,377,800 | 2,554 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,116 |
| Cost of funding earning assets | 0.2206% | 5,663 |
| Net interest margin | 4.2103% | 1,256 |
| Noninterest income to average assets | 0.5245% | 3,370 |
| Noninterest expense to average assets | 2.9034% | 3,099 |
| Loan and lease loss provision to assets | 0.0853% | 2,650 |
| Net operating income to assets | 1.0307% | 2,321 |
| Return on assets (ROA) | 0.9881% | 2,575 |
| Pretax return on assets | 1.4054% | 1,986 |
| Return on Equity (ROE) | 9.1279% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.9349% | 1,397 |
| Net charge-offs to loans | -0.1138% | 6,179 |
| Credit loss provision to net charge-offs | -111.1111% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1716% | 4,341 |
| Assets per employee ($millions) | 4.0208% | 3,830 |
| Cash dividends to net income (ytd only)* | 13.0703% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 6,030 |
| Loan loss allowance to noncurrent loans | 3,071.0526% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 5,758 |
| Noncurrent loans to loans | 0.0239% | 5,930 |
| Net loans and leases to total assets | 68.7779% | 2,419 |
| Net loans and leases to deposits | 78.9797% | 2,841 |
| Net loans and leases to core deposits | 96.6166% | 1,624 |
| Total domestic deposits to total assets | 87.0830% | 2,271 |
| Equity capital to assets | 10.7881% | 3,195 |
| Core capital (leverage) ratio | 10.8713% | 2,606 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,543 |
| Total risk-based capital ratio | 14.1303% | 4,848 |
| Memoranda: | ||
| Average total assets | $218,866,000 | 2,815 |
| Average earning assets | $204,319,750 | 2,780 |
| Average equity | $23,692,250 | 2,790 |
| Average total loans | $147,659,000 | 2,618 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 2,161 |
| Cost of funding earning assets | 0.1965% | 5,941 |
| Net interest margin | 4.2084% | 1,223 |
| Noninterest income to average assets | 0.5543% | 3,085 |
| Noninterest expense to average assets | 2.9801% | 2,903 |
| Loan and lease loss provision to assets | 0.0836% | 2,633 |
| Net operating income to assets | 0.9943% | 2,343 |
| Return on assets (ROA) | 0.9943% | 2,413 |
| Pretax return on assets | 1.4084% | 1,862 |
| Return on Equity (ROE) | 9.1742% | 2,518 |
| Retained earnings to average equity (ytd only) | 7.3582% | 1,581 |
| Net charge-offs to loans | -0.0611% | 5,964 |
| Credit loss provision to net charge-offs | -204.5455% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6390% | 4,256 |
| Assets per employee ($millions) | 4.0280% | 3,781 |
| Cash dividends to net income (ytd only)* | 19.7946% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 6,221 |
| Loan loss allowance to noncurrent loans | 8,625.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 5,892 |
| Noncurrent loans to loans | 0.0077% | 6,072 |
| Net loans and leases to total assets | 65.9476% | 2,756 |
| Net loans and leases to deposits | 77.5103% | 2,866 |
| Net loans and leases to core deposits | 94.4965% | 1,738 |
| Total domestic deposits to total assets | 85.0823% | 3,464 |
| Equity capital to assets | 10.3034% | 3,689 |
| Core capital (leverage) ratio | 10.7692% | 2,654 |
| Tier 1 risk-based capital ratio | 13.6779% | 4,471 |
| Total risk-based capital ratio | 14.2599% | 4,839 |
| Memoranda: | ||
| Average total assets | $215,425,670 | 2,863 |
| Average earning assets | $200,553,000 | 2,830 |
| Average equity | $23,348,000 | 2,814 |
| Average total loans | $143,946,330 | 2,671 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,838 |
| Cost of funding earning assets | 0.1676% | 6,242 |
| Net interest margin | 4.3232% | 960 |
| Noninterest income to average assets | 0.6184% | 2,627 |
| Noninterest expense to average assets | 3.2221% | 2,150 |
| Loan and lease loss provision to assets | 0.0775% | 2,590 |
| Net operating income to assets | 0.9461% | 2,425 |
| Return on assets (ROA) | 0.9461% | 2,495 |
| Pretax return on assets | 1.3183% | 2,033 |
| Return on Equity (ROE) | 8.4919% | 2,689 |
| Retained earnings to average equity (ytd only) | 4.8028% | 3,228 |
| Net charge-offs to loans | -0.0376% | 5,687 |
| Credit loss provision to net charge-offs | -307.6923% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7733% | 3,874 |
| Assets per employee ($millions) | 3.6694% | 4,589 |
| Cash dividends to net income (ytd only)* | 43.4426% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 6,319 |
| Loan loss allowance to noncurrent loans | 5,611.7647% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 3,975 |
| Noncurrent loans to loans | 0.0119% | 6,137 |
| Net loans and leases to total assets | 66.8205% | 2,428 |
| Net loans and leases to deposits | 81.3644% | 2,118 |
| Net loans and leases to core deposits | 96.8397% | 1,320 |
| Total domestic deposits to total assets | 82.1249% | 4,901 |
| Equity capital to assets | 10.9220% | 2,793 |
| Core capital (leverage) ratio | 11.3578% | 2,086 |
| Tier 1 risk-based capital ratio | 14.4788% | 4,020 |
| Total risk-based capital ratio | 15.0605% | 4,414 |
| Memoranda: | ||
| Average total assets | $206,327,500 | 2,979 |
| Average earning assets | $190,876,000 | 2,961 |
| Average equity | $22,986,500 | 2,850 |
| Average total loans | $138,368,000 | 2,760 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,893 |
| Cost of funding earning assets | 0.1714% | 6,433 |
| Net interest margin | 3.8856% | 2,348 |
| Noninterest income to average assets | 0.6071% | 3,052 |
| Noninterest expense to average assets | 3.2419% | 2,302 |
| Loan and lease loss provision to assets | 0.1004% | 3,129 |
| Net operating income to assets | 0.6485% | 4,038 |
| Return on assets (ROA) | 0.7135% | 3,817 |
| Pretax return on assets | 0.9699% | 3,477 |
| Return on Equity (ROE) | 6.3291% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.3291% | 1,788 |
| Net charge-offs to loans | 0.0018% | 5,447 |
| Credit loss provision to net charge-offs | 10,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 979.0000% | 37 |
| Efficiency ratio | 76.7431% | 2,668 |
| Assets per employee ($millions) | 3.6332% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6746% | 6,381 |
| Loan loss allowance to noncurrent loans | 1,668.5185% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 3,943 |
| Noncurrent loans to loans | 0.0404% | 6,124 |
| Net loans and leases to total assets | 66.3916% | 2,632 |
| Net loans and leases to deposits | 79.4321% | 2,532 |
| Net loans and leases to core deposits | 91.9448% | 1,801 |
| Total domestic deposits to total assets | 83.5829% | 4,328 |
| Equity capital to assets | 11.3738% | 2,261 |
| Core capital (leverage) ratio | 11.8045% | 1,752 |
| Tier 1 risk-based capital ratio | 15.1278% | 3,593 |
| Total risk-based capital ratio | 15.7085% | 3,922 |
| Memoranda: | ||
| Average total assets | $199,293,800 | 3,037 |
| Average earning assets | $185,530,200 | 3,017 |
| Average equity | $22,467,600 | 2,881 |
| Average total loans | $109,833,400 | 3,247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 4,510 |
| Cost of funding earning assets | 0.1734% | 6,531 |
| Net interest margin | 3.7236% | 2,942 |
| Noninterest income to average assets | 0.6139% | 3,059 |
| Noninterest expense to average assets | 3.2101% | 2,335 |
| Loan and lease loss provision to assets | 0.0937% | 3,201 |
| Net operating income to assets | 0.5786% | 4,434 |
| Return on assets (ROA) | 0.6634% | 4,186 |
| Pretax return on assets | 0.8884% | 3,937 |
| Return on Equity (ROE) | 5.8980% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.8980% | 2,482 |
| Net charge-offs to loans | -0.0462% | 6,285 |
| Credit loss provision to net charge-offs | -388.8889% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6969% | 2,309 |
| Assets per employee ($millions) | 3.4864% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 6,389 |
| Loan loss allowance to noncurrent loans | 46.9050% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 2,416 |
| Noncurrent loans to loans | 1.5746% | 2,807 |
| Net loans and leases to total assets | 59.4482% | 3,786 |
| Net loans and leases to deposits | 73.6817% | 3,289 |
| Net loans and leases to core deposits | 85.3895% | 2,482 |
| Total domestic deposits to total assets | 80.6824% | 5,309 |
| Equity capital to assets | 11.1782% | 2,589 |
| Core capital (leverage) ratio | 11.5959% | 1,957 |
| Tier 1 risk-based capital ratio | 15.8743% | 3,266 |
| Total risk-based capital ratio | 16.4799% | 3,558 |
| Memoranda: | ||
| Average total assets | $199,160,250 | 3,067 |
| Average earning assets | $185,336,500 | 3,041 |
| Average equity | $22,402,500 | 2,910 |
| Average total loans | $103,899,250 | 3,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 5,537 |
| Cost of funding earning assets | 0.1771% | 6,586 |
| Net interest margin | 3.3899% | 4,227 |
| Noninterest income to average assets | 0.7155% | 2,569 |
| Noninterest expense to average assets | 3.2192% | 2,303 |
| Loan and lease loss provision to assets | 0.0702% | 3,631 |
| Net operating income to assets | 0.4532% | 5,000 |
| Return on assets (ROA) | 0.5790% | 4,582 |
| Pretax return on assets | 0.7616% | 4,459 |
| Return on Equity (ROE) | 5.1368% | 4,647 |
| Retained earnings to average equity (ytd only) | 5.1368% | 2,967 |
| Net charge-offs to loans | -0.0384% | 6,168 |
| Credit loss provision to net charge-offs | -368.4211% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8512% | 1,781 |
| Assets per employee ($millions) | 3.5454% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 6,458 |
| Loan loss allowance to noncurrent loans | 23.1986% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 2.4479% | 1,736 |
| Noncurrent loans to loans | 3.1418% | 1,399 |
| Net loans and leases to total assets | 53.3785% | 4,683 |
| Net loans and leases to deposits | 60.2381% | 4,951 |
| Net loans and leases to core deposits | 72.1576% | 4,016 |
| Total domestic deposits to total assets | 88.6124% | 1,838 |
| Equity capital to assets | 11.1050% | 2,654 |
| Core capital (leverage) ratio | 11.2597% | 2,120 |
| Tier 1 risk-based capital ratio | 16.6369% | 2,873 |
| Total risk-based capital ratio | 17.2192% | 3,151 |
| Memoranda: | ||
| Average total assets | $199,305,000 | 3,077 |
| Average earning assets | $186,378,000 | 3,033 |
| Average equity | $22,465,330 | 2,933 |
| Average total loans | $98,859,670 | 3,521 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 5,781 |
| Cost of funding earning assets | 0.1836% | 6,654 |
| Net interest margin | 3.2869% | 4,565 |
| Noninterest income to average assets | 0.7215% | 2,473 |
| Noninterest expense to average assets | 3.2438% | 2,216 |
| Loan and lease loss provision to assets | 0.0606% | 3,629 |
| Net operating income to assets | 0.3663% | 5,275 |
| Return on assets (ROA) | 0.6164% | 4,293 |
| Pretax return on assets | 0.8266% | 4,055 |
| Return on Equity (ROE) | 5.4278% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.4278% | 2,990 |
| Net charge-offs to loans | -0.0468% | 6,103 |
| Credit loss provision to net charge-offs | -272.7273% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4178% | 1,595 |
| Assets per employee ($millions) | 3.4676% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 6,525 |
| Loan loss allowance to noncurrent loans | 44.8463% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 2,807 |
| Noncurrent loans to loans | 1.6842% | 3,018 |
| Net loans and leases to total assets | 48.6078% | 5,165 |
| Net loans and leases to deposits | 54.8388% | 5,368 |
| Net loans and leases to core deposits | 65.6863% | 4,568 |
| Total domestic deposits to total assets | 88.6375% | 1,907 |
| Equity capital to assets | 11.1541% | 2,793 |
| Core capital (leverage) ratio | 11.5315% | 1,860 |
| Tier 1 risk-based capital ratio | 18.0135% | 2,352 |
| Total risk-based capital ratio | 18.6130% | 2,584 |
| Memoranda: | ||
| Average total assets | $197,913,000 | 3,119 |
| Average earning assets | $185,218,000 | 3,080 |
| Average equity | $22,477,000 | 2,982 |
| Average total loans | $93,957,500 | 3,651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 5,916 |
| Cost of funding earning assets | 0.2601% | 6,631 |
| Net interest margin | 3.5045% | 4,486 |
| Noninterest income to average assets | 0.6221% | 3,154 |
| Noninterest expense to average assets | 3.4892% | 1,836 |
| Loan and lease loss provision to assets | 0.2140% | 3,005 |
| Net operating income to assets | 0.2225% | 5,729 |
| Return on assets (ROA) | 0.2801% | 5,752 |
| Pretax return on assets | 0.2658% | 5,891 |
| Return on Equity (ROE) | 2.3687% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.3240% | 4,601 |
| Net charge-offs to loans | 0.1328% | 4,349 |
| Credit loss provision to net charge-offs | 355.2632% | 689 |
| Earnings coverage of net charge-offs (x) | 7.0088% | 2,693 |
| Efficiency ratio | 89.2042% | 1,132 |
| Assets per employee ($millions) | 3.3570% | 5,312 |
| Cash dividends to net income (ytd only)* | 1.8868% | 4,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 6,510 |
| Loan loss allowance to noncurrent loans | 31.2722% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 2,032 |
| Noncurrent loans to loans | 2.5142% | 2,099 |
| Net loans and leases to total assets | 45.5600% | 5,664 |
| Net loans and leases to deposits | 51.5873% | 5,832 |
| Net loans and leases to core deposits | 59.2717% | 5,426 |
| Total domestic deposits to total assets | 88.3164% | 2,017 |
| Equity capital to assets | 11.5666% | 2,379 |
| Core capital (leverage) ratio | 11.8106% | 1,661 |
| Tier 1 risk-based capital ratio | 18.9661% | 1,968 |
| Total risk-based capital ratio | 19.5708% | 2,124 |
| Memoranda: | ||
| Average total assets | $189,209,800 | 3,188 |
| Average earning assets | $177,598,600 | 3,123 |
| Average equity | $22,375,400 | 2,932 |
| Average total loans | $85,833,000 | 3,852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 5,877 |
| Cost of funding earning assets | 0.2811% | 6,692 |
| Net interest margin | 3.5823% | 4,312 |
| Noninterest income to average assets | 0.5863% | 3,373 |
| Noninterest expense to average assets | 3.4909% | 1,785 |
| Loan and lease loss provision to assets | 0.2179% | 2,881 |
| Net operating income to assets | 0.2960% | 5,627 |
| Return on assets (ROA) | 0.2960% | 5,827 |
| Pretax return on assets | 0.2428% | 6,056 |
| Return on Equity (ROE) | 2.4889% | 5,881 |
| Retained earnings to average equity (ytd only) | 2.4292% | 5,115 |
| Net charge-offs to loans | 0.2198% | 3,410 |
| Credit loss provision to net charge-offs | 219.2857% | 1,271 |
| Earnings coverage of net charge-offs (x) | 4.6358% | 3,246 |
| Efficiency ratio | 88.3420% | 1,160 |
| Assets per employee ($millions) | 3.1099% | 5,826 |
| Cash dividends to net income (ytd only)* | 2.3975% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 6,724 |
| Loan loss allowance to noncurrent loans | 34.3620% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.5582% | 2,062 |
| Noncurrent loans to loans | 2.0952% | 2,743 |
| Net loans and leases to total assets | 43.5132% | 6,004 |
| Net loans and leases to deposits | 49.7731% | 6,126 |
| Net loans and leases to core deposits | 56.8968% | 5,817 |
| Total domestic deposits to total assets | 87.4231% | 2,406 |
| Equity capital to assets | 12.3704% | 1,984 |
| Core capital (leverage) ratio | 11.9637% | 1,677 |
| Tier 1 risk-based capital ratio | 20.3647% | 1,668 |
| Total risk-based capital ratio | 20.9022% | 1,815 |
| Memoranda: | ||
| Average total assets | $187,835,250 | 3,233 |
| Average earning assets | $176,453,500 | 3,179 |
| Average equity | $22,339,000 | 2,966 |
| Average total loans | $84,938,250 | 3,919 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 5,840 |
| Cost of funding earning assets | 0.3034% | 6,725 |
| Net interest margin | 3.6248% | 4,167 |
| Noninterest income to average assets | 0.5399% | 3,655 |
| Noninterest expense to average assets | 3.4445% | 1,920 |
| Loan and lease loss provision to assets | 0.3244% | 2,032 |
| Net operating income to assets | 0.2578% | 5,741 |
| Return on assets (ROA) | 0.2578% | 5,934 |
| Pretax return on assets | 0.1796% | 6,176 |
| Return on Equity (ROE) | 2.1963% | 5,987 |
| Retained earnings to average equity (ytd only) | 2.1063% | 5,143 |
| Net charge-offs to loans | 0.1411% | 3,789 |
| Credit loss provision to net charge-offs | 503.2787% | 596 |
| Earnings coverage of net charge-offs (x) | 7.8197% | 2,414 |
| Efficiency ratio | 87.2358% | 1,314 |
| Assets per employee ($millions) | 3.1010% | 5,851 |
| Cash dividends to net income (ytd only)* | 4.0984% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 6,738 |
| Loan loss allowance to noncurrent loans | 20.2524% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 3.0429% | 1,806 |
| Noncurrent loans to loans | 3.7747% | 1,489 |
| Net loans and leases to total assets | 45.1537% | 5,905 |
| Net loans and leases to deposits | 51.2831% | 6,077 |
| Net loans and leases to core deposits | 58.5031% | 5,738 |
| Total domestic deposits to total assets | 88.0479% | 2,110 |
| Equity capital to assets | 11.8115% | 2,304 |
| Core capital (leverage) ratio | 11.5880% | 1,842 |
| Tier 1 risk-based capital ratio | 19.9267% | 1,716 |
| Total risk-based capital ratio | 20.5292% | 1,868 |
| Memoranda: | ||
| Average total assets | $189,284,670 | 3,223 |
| Average earning assets | $177,998,000 | 3,163 |
| Average equity | $22,219,330 | 2,960 |
| Average total loans | $86,444,330 | 3,893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 5,453 |
| Cost of funding earning assets | 0.3303% | 6,727 |
| Net interest margin | 3.7705% | 3,516 |
| Noninterest income to average assets | 0.4774% | 4,085 |
| Noninterest expense to average assets | 3.3780% | 2,064 |
| Loan and lease loss provision to assets | 0.4331% | 1,447 |
| Net operating income to assets | 0.3443% | 5,495 |
| Return on assets (ROA) | 0.3443% | 5,669 |
| Pretax return on assets | 0.2113% | 6,179 |
| Return on Equity (ROE) | 2.9426% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.7620% | 4,876 |
| Net charge-offs to loans | 0.3140% | 2,391 |
| Credit loss provision to net charge-offs | 301.4706% | 976 |
| Earnings coverage of net charge-offs (x) | 4.4853% | 2,563 |
| Efficiency ratio | 83.9811% | 1,687 |
| Assets per employee ($millions) | 3.0993% | 5,961 |
| Cash dividends to net income (ytd only)* | 6.1350% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 6,944 |
| Loan loss allowance to noncurrent loans | 28.4309% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 2.2712% | 2,623 |
| Noncurrent loans to loans | 2.2556% | 2,853 |
| Net loans and leases to total assets | 44.9921% | 5,895 |
| Net loans and leases to deposits | 51.0512% | 6,065 |
| Net loans and leases to core deposits | 58.5810% | 5,665 |
| Total domestic deposits to total assets | 88.1313% | 2,228 |
| Equity capital to assets | 11.7402% | 2,227 |
| Core capital (leverage) ratio | 11.5266% | 1,875 |
| Tier 1 risk-based capital ratio | 19.6575% | 1,794 |
| Total risk-based capital ratio | 20.1552% | 1,981 |
| Memoranda: | ||
| Average total assets | $189,345,500 | 3,243 |
| Average earning assets | $178,015,000 | 3,176 |
| Average equity | $22,157,500 | 2,963 |
| Average total loans | $86,630,500 | 3,920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 6,037 |
| Cost of funding earning assets | 0.5595% | 6,291 |
| Net interest margin | 3.6447% | 4,544 |
| Noninterest income to average assets | 0.5508% | 3,502 |
| Noninterest expense to average assets | 3.5185% | 1,939 |
| Loan and lease loss provision to assets | 0.1125% | 5,185 |
| Net operating income to assets | 0.4367% | 4,704 |
| Return on assets (ROA) | 0.4367% | 4,908 |
| Pretax return on assets | 0.3583% | 5,408 |
| Return on Equity (ROE) | 3.7721% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.7261% | 3,559 |
| Net charge-offs to loans | 0.6224% | 2,590 |
| Credit loss provision to net charge-offs | 37.9496% | 5,665 |
| Earnings coverage of net charge-offs (x) | 1.5881% | 4,581 |
| Efficiency ratio | 88.1983% | 1,348 |
| Assets per employee ($millions) | 3.2141% | 5,680 |
| Cash dividends to net income (ytd only)* | 1.2210% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 7,124 |
| Loan loss allowance to noncurrent loans | 11.5116% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 3.1698% | 1,886 |
| Noncurrent loans to loans | 4.0833% | 1,525 |
| Net loans and leases to total assets | 46.0041% | 6,011 |
| Net loans and leases to deposits | 52.1874% | 6,193 |
| Net loans and leases to core deposits | 60.9064% | 5,762 |
| Total domestic deposits to total assets | 88.1517% | 2,060 |
| Equity capital to assets | 11.6642% | 2,367 |
| Core capital (leverage) ratio | 11.3256% | 2,021 |
| Tier 1 risk-based capital ratio | 19.6718% | 1,706 |
| Total risk-based capital ratio | 20.0482% | 1,916 |
| Memoranda: | ||
| Average total assets | $187,554,000 | 3,222 |
| Average earning assets | $176,943,000 | 3,128 |
| Average equity | $21,712,000 | 2,923 |
| Average total loans | $89,327,400 | 3,874 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 6,017 |
| Cost of funding earning assets | 0.6050% | 6,263 |
| Net interest margin | 3.6710% | 4,466 |
| Noninterest income to average assets | 0.5845% | 3,267 |
| Noninterest expense to average assets | 3.4966% | 1,949 |
| Loan and lease loss provision to assets | 0.1098% | 5,064 |
| Net operating income to assets | 0.4013% | 4,996 |
| Return on assets (ROA) | 0.4013% | 5,180 |
| Pretax return on assets | 0.4427% | 5,335 |
| Return on Equity (ROE) | 3.4736% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.4119% | 4,308 |
| Net charge-offs to loans | 0.1159% | 4,860 |
| Credit loss provision to net charge-offs | 197.4359% | 1,481 |
| Earnings coverage of net charge-offs (x) | 9.9357% | 1,983 |
| Efficiency ratio | 86.3556% | 1,497 |
| Assets per employee ($millions) | 3.3329% | 5,412 |
| Cash dividends to net income (ytd only)* | 1.7758% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,477 |
| Loan loss allowance to noncurrent loans | 25.5678% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 2.6998% | 2,402 |
| Noncurrent loans to loans | 3.6856% | 1,853 |
| Net loans and leases to total assets | 44.5297% | 6,278 |
| Net loans and leases to deposits | 50.3615% | 6,484 |
| Net loans and leases to core deposits | 60.3351% | 5,961 |
| Total domestic deposits to total assets | 88.4202% | 1,798 |
| Equity capital to assets | 11.2427% | 2,919 |
| Core capital (leverage) ratio | 11.2175% | 2,219 |
| Tier 1 risk-based capital ratio | 19.0393% | 1,924 |
| Total risk-based capital ratio | 19.7848% | 2,040 |
| Memoranda: | ||
| Average total assets | $187,034,750 | 3,246 |
| Average earning assets | $176,515,000 | 3,151 |
| Average equity | $21,610,250 | 2,930 |
| Average total loans | $89,746,750 | 3,899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 5,642 |
| Cost of funding earning assets | 0.6305% | 6,314 |
| Net interest margin | 3.7818% | 3,881 |
| Noninterest income to average assets | 0.6615% | 2,759 |
| Noninterest expense to average assets | 3.6207% | 1,701 |
| Loan and lease loss provision to assets | 0.0337% | 5,892 |
| Net operating income to assets | 0.5048% | 4,482 |
| Return on assets (ROA) | 0.5048% | 4,622 |
| Pretax return on assets | 0.5766% | 4,824 |
| Return on Equity (ROE) | 4.3275% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.2342% | 3,502 |
| Net charge-offs to loans | 0.0443% | 5,235 |
| Credit loss provision to net charge-offs | 155.0000% | 1,968 |
| Earnings coverage of net charge-offs (x) | 28.0500% | 973 |
| Efficiency ratio | 85.5747% | 1,640 |
| Assets per employee ($millions) | 3.3150% | 5,399 |
| Cash dividends to net income (ytd only)* | 2.1552% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 6,722 |
| Loan loss allowance to noncurrent loans | 34.7040% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 2.2457% | 2,920 |
| Noncurrent loans to loans | 2.5212% | 2,868 |
| Net loans and leases to total assets | 46.8687% | 6,170 |
| Net loans and leases to deposits | 53.2211% | 6,369 |
| Net loans and leases to core deposits | 64.3024% | 5,692 |
| Total domestic deposits to total assets | 88.0640% | 2,102 |
| Equity capital to assets | 11.7038% | 2,323 |
| Core capital (leverage) ratio | 11.5163% | 1,901 |
| Tier 1 risk-based capital ratio | 19.3773% | 1,747 |
| Total risk-based capital ratio | 20.0802% | 1,866 |
| Memoranda: | ||
| Average total assets | $183,831,670 | 3,317 |
| Average earning assets | $173,517,000 | 3,212 |
| Average equity | $21,444,330 | 2,935 |
| Average total loans | $90,196,330 | 3,933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 5,238 |
| Cost of funding earning assets | 0.6181% | 6,532 |
| Net interest margin | 3.9125% | 3,081 |
| Noninterest income to average assets | 0.6604% | 2,780 |
| Noninterest expense to average assets | 3.5446% | 1,891 |
| Loan and lease loss provision to assets | 0.0022% | 5,831 |
| Net operating income to assets | 0.6429% | 3,787 |
| Return on assets (ROA) | 0.6429% | 3,862 |
| Pretax return on assets | 0.8091% | 3,870 |
| Return on Equity (ROE) | 5.5203% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.3326% | 2,982 |
| Net charge-offs to loans | 0.0525% | 4,412 |
| Credit loss provision to net charge-offs | 8.3333% | 4,399 |
| Earnings coverage of net charge-offs (x) | 30.9167% | 814 |
| Efficiency ratio | 81.3755% | 2,326 |
| Assets per employee ($millions) | 3.0346% | 6,087 |
| Cash dividends to net income (ytd only)* | 3.4014% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 6,861 |
| Loan loss allowance to noncurrent loans | 32.4771% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 2.5380% | 2,692 |
| Noncurrent loans to loans | 2.5564% | 2,931 |
| Net loans and leases to total assets | 48.9405% | 5,966 |
| Net loans and leases to deposits | 55.5373% | 6,172 |
| Net loans and leases to core deposits | 67.0630% | 5,396 |
| Total domestic deposits to total assets | 88.1219% | 2,301 |
| Equity capital to assets | 11.6991% | 2,122 |
| Core capital (leverage) ratio | 11.6847% | 1,747 |
| Tier 1 risk-based capital ratio | 19.1814% | 1,756 |
| Total risk-based capital ratio | 19.8627% | 1,876 |
| Memoranda: | ||
| Average total assets | $182,927,500 | 3,357 |
| Average earning assets | $172,779,500 | 3,261 |
| Average equity | $21,303,000 | 2,945 |
| Average total loans | $91,407,000 | 3,944 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 5,825 |
| Cost of funding earning assets | 0.7662% | 6,688 |
| Net interest margin | 3.9266% | 3,366 |
| Noninterest income to average assets | 0.4174% | 4,765 |
| Noninterest expense to average assets | 3.5994% | 1,926 |
| Loan and lease loss provision to assets | 0.2191% | 5,075 |
| Net operating income to assets | 0.2169% | 5,225 |
| Return on assets (ROA) | 0.2169% | 5,377 |
| Pretax return on assets | 0.2971% | 5,238 |
| Return on Equity (ROE) | 1.8260% | 5,458 |
| Retained earnings to average equity (ytd only) | 0.3929% | 5,382 |
| Net charge-offs to loans | 0.1115% | 5,760 |
| Credit loss provision to net charge-offs | 366.0550% | 697 |
| Earnings coverage of net charge-offs (x) | 8.6239% | 1,948 |
| Efficiency ratio | 87.4566% | 1,524 |
| Assets per employee ($millions) | 3.1149% | 5,850 |
| Cash dividends to net income (ytd only)* | 78.4810% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 6,938 |
| Loan loss allowance to noncurrent loans | 14.3780% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 3.4775% | 2,001 |
| Noncurrent loans to loans | 5.6637% | 1,145 |
| Net loans and leases to total assets | 50.1700% | 6,152 |
| Net loans and leases to deposits | 56.9168% | 6,361 |
| Net loans and leases to core deposits | 65.7096% | 5,904 |
| Total domestic deposits to total assets | 88.1462% | 2,155 |
| Equity capital to assets | 11.5926% | 2,190 |
| Core capital (leverage) ratio | 11.3136% | 1,949 |
| Tier 1 risk-based capital ratio | 18.5127% | 1,840 |
| Total risk-based capital ratio | 19.1891% | 1,979 |
| Memoranda: | ||
| Average total assets | $182,085,400 | 3,344 |
| Average earning assets | $171,498,800 | 3,257 |
| Average equity | $21,632,200 | 2,926 |
| Average total loans | $97,776,400 | 3,859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7818% | 5,733 |
| Cost of funding earning assets | 0.7932% | 6,786 |
| Net interest margin | 3.9886% | 3,155 |
| Noninterest income to average assets | 0.5328% | 3,928 |
| Noninterest expense to average assets | 3.7079% | 1,545 |
| Loan and lease loss provision to assets | 0.1343% | 5,685 |
| Net operating income to assets | 0.3978% | 4,759 |
| Return on assets (ROA) | 0.3978% | 4,937 |
| Pretax return on assets | 0.4404% | 5,111 |
| Return on Equity (ROE) | 3.3280% | 5,087 |
| Retained earnings to average equity (ytd only) | 1.4246% | 5,235 |
| Net charge-offs to loans | 0.1132% | 5,406 |
| Credit loss provision to net charge-offs | 217.8571% | 1,589 |
| Earnings coverage of net charge-offs (x) | 9.3212% | 2,038 |
| Efficiency ratio | 86.5810% | 1,570 |
| Assets per employee ($millions) | 3.1439% | 5,821 |
| Cash dividends to net income (ytd only)* | 57.1950% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 7,398 |
| Loan loss allowance to noncurrent loans | 12.5918% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 3.5087% | 2,031 |
| Noncurrent loans to loans | 4.4686% | 1,623 |
| Net loans and leases to total assets | 54.8548% | 5,724 |
| Net loans and leases to deposits | 62.6472% | 6,058 |
| Net loans and leases to core deposits | 75.2096% | 5,157 |
| Total domestic deposits to total assets | 87.5615% | 2,231 |
| Equity capital to assets | 12.0086% | 2,156 |
| Core capital (leverage) ratio | 11.2670% | 2,091 |
| Tier 1 risk-based capital ratio | 17.5542% | 2,158 |
| Total risk-based capital ratio | 18.0303% | 2,384 |
| Memoranda: | ||
| Average total assets | $181,661,500 | 3,401 |
| Average earning assets | $170,781,500 | 3,307 |
| Average equity | $21,714,000 | 2,956 |
| Average total loans | $98,980,500 | 3,889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 6,056 |
| Cost of funding earning assets | 0.8210% | 6,848 |
| Net interest margin | 3.9055% | 3,419 |
| Noninterest income to average assets | 0.5512% | 3,704 |
| Noninterest expense to average assets | 3.7865% | 1,379 |
| Loan and lease loss provision to assets | 0.1984% | 4,883 |
| Net operating income to assets | 0.2613% | 5,331 |
| Return on assets (ROA) | 0.2613% | 5,475 |
| Pretax return on assets | 0.2370% | 5,685 |
| Return on Equity (ROE) | 2.1891% | 5,576 |
| Retained earnings to average equity (ytd only) | -0.6743% | 5,896 |
| Net charge-offs to loans | 0.0833% | 5,308 |
| Credit loss provision to net charge-offs | 439.0244% | 823 |
| Earnings coverage of net charge-offs (x) | 9.6341% | 1,993 |
| Efficiency ratio | 89.6867% | 1,363 |
| Assets per employee ($millions) | 3.2624% | 5,526 |
| Cash dividends to net income (ytd only)* | 130.8017% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6100% | 7,397 |
| Loan loss allowance to noncurrent loans | 11.0786% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 3.7983% | 1,835 |
| Noncurrent loans to loans | 5.5062% | 1,200 |
| Net loans and leases to total assets | 52.1816% | 6,191 |
| Net loans and leases to deposits | 59.1846% | 6,483 |
| Net loans and leases to core deposits | 71.9495% | 5,676 |
| Total domestic deposits to total assets | 88.1676% | 1,911 |
| Equity capital to assets | 11.4487% | 2,485 |
| Core capital (leverage) ratio | 10.9075% | 2,320 |
| Tier 1 risk-based capital ratio | 17.2360% | 2,186 |
| Total risk-based capital ratio | 17.7440% | 2,421 |
| Memoranda: | ||
| Average total assets | $181,433,670 | 3,424 |
| Average earning assets | $170,530,000 | 3,332 |
| Average equity | $21,653,000 | 2,954 |
| Average total loans | $98,443,670 | 3,946 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 6,327 |
| Cost of funding earning assets | 0.8373% | 6,979 |
| Net interest margin | 3.8386% | 3,629 |
| Noninterest income to average assets | 0.5475% | 3,668 |
| Noninterest expense to average assets | 3.3051% | 2,519 |
| Loan and lease loss provision to assets | 0.2050% | 4,450 |
| Net operating income to assets | 0.5295% | 4,236 |
| Return on assets (ROA) | 0.5295% | 4,375 |
| Pretax return on assets | 0.6421% | 4,444 |
| Return on Equity (ROE) | 4.3422% | 4,739 |
| Retained earnings to average equity (ytd only) | -1.3858% | 6,105 |
| Net charge-offs to loans | 0.1306% | 4,180 |
| Credit loss provision to net charge-offs | 284.3750% | 1,388 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,621 |
| Efficiency ratio | 79.5985% | 2,631 |
| Assets per employee ($millions) | 3.1241% | 5,938 |
| Cash dividends to net income (ytd only)* | 131.9149% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 7,567 |
| Loan loss allowance to noncurrent loans | 8.4106% | 7,356 |
| Noncurrent assets plus other real estate owned to assets | 4.6260% | 1,448 |
| Noncurrent loans to loans | 6.3006% | 1,010 |
| Net loans and leases to total assets | 54.4910% | 5,964 |
| Net loans and leases to deposits | 62.1589% | 6,260 |
| Net loans and leases to core deposits | 76.3659% | 5,208 |
| Total domestic deposits to total assets | 87.6641% | 2,256 |
| Equity capital to assets | 11.9076% | 2,099 |
| Core capital (leverage) ratio | 11.6081% | 1,852 |
| Tier 1 risk-based capital ratio | 17.3988% | 2,107 |
| Total risk-based capital ratio | 17.8440% | 2,363 |
| Memoranda: | ||
| Average total assets | $177,541,500 | 3,533 |
| Average earning assets | $166,727,500 | 3,453 |
| Average equity | $21,648,000 | 2,985 |
| Average total loans | $97,994,000 | 4,021 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 4,543 |
| Cost of funding earning assets | 1.0216% | 7,167 |
| Net interest margin | 4.4066% | 1,415 |
| Noninterest income to average assets | 0.6658% | 3,189 |
| Noninterest expense to average assets | 3.7623% | 1,768 |
| Loan and lease loss provision to assets | 0.1731% | 5,964 |
| Net operating income to assets | 0.7050% | 2,909 |
| Return on assets (ROA) | 0.7050% | 2,978 |
| Pretax return on assets | 0.8781% | 2,993 |
| Return on Equity (ROE) | 5.3912% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.9720% | 2,422 |
| Net charge-offs to loans | 0.1687% | 5,598 |
| Credit loss provision to net charge-offs | 186.5772% | 2,174 |
| Earnings coverage of net charge-offs (x) | 11.3289% | 1,599 |
| Efficiency ratio | 78.1602% | 3,168 |
| Assets per employee ($millions) | 3.0507% | 6,090 |
| Cash dividends to net income (ytd only)* | 26.3251% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4828% | 7,680 |
| Loan loss allowance to noncurrent loans | 14.1045% | 7,283 |
| Noncurrent assets plus other real estate owned to assets | 3.1083% | 2,232 |
| Noncurrent loans to loans | 3.4230% | 2,225 |
| Net loans and leases to total assets | 55.3575% | 6,039 |
| Net loans and leases to deposits | 64.6140% | 6,199 |
| Net loans and leases to core deposits | 92.3632% | 4,839 |
| Total domestic deposits to total assets | 85.6741% | 3,184 |
| Equity capital to assets | 12.4908% | 1,754 |
| Core capital (leverage) ratio | 11.8046% | 1,756 |
| Tier 1 risk-based capital ratio | 17.8677% | 1,924 |
| Total risk-based capital ratio | 18.2721% | 2,106 |
| Memoranda: | ||
| Average total assets | $160,568,800 | 3,764 |
| Average earning assets | $151,137,200 | 3,689 |
| Average equity | $20,997,200 | 3,072 |
| Average total loans | $88,343,000 | 4,258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5098% | 4,371 |
| Cost of funding earning assets | 1.0501% | 7,284 |
| Net interest margin | 4.4597% | 1,294 |
| Noninterest income to average assets | 0.5664% | 3,958 |
| Noninterest expense to average assets | 3.6699% | 1,886 |
| Loan and lease loss provision to assets | 0.1263% | 6,086 |
| Net operating income to assets | 0.7292% | 3,100 |
| Return on assets (ROA) | 0.7292% | 3,166 |
| Pretax return on assets | 0.9692% | 2,998 |
| Return on Equity (ROE) | 5.5083% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.5996% | 3,272 |
| Net charge-offs to loans | 0.0618% | 6,084 |
| Credit loss provision to net charge-offs | 372.5000% | 1,086 |
| Earnings coverage of net charge-offs (x) | 32.3011% | 881 |
| Efficiency ratio | 77.0107% | 3,321 |
| Assets per employee ($millions) | 2.9700% | 6,245 |
| Cash dividends to net income (ytd only)* | 34.6508% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5243% | 7,682 |
| Loan loss allowance to noncurrent loans | 17.7734% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 2.5950% | 2,680 |
| Noncurrent loans to loans | 2.9500% | 2,572 |
| Net loans and leases to total assets | 50.0963% | 6,775 |
| Net loans and leases to deposits | 57.7035% | 6,984 |
| Net loans and leases to core deposits | 81.5219% | 6,231 |
| Total domestic deposits to total assets | 86.8167% | 2,276 |
| Equity capital to assets | 12.6505% | 1,857 |
| Core capital (leverage) ratio | 12.3126% | 1,660 |
| Tier 1 risk-based capital ratio | 19.4667% | 1,653 |
| Total risk-based capital ratio | 19.8941% | 1,789 |
| Memoranda: | ||
| Average total assets | $157,239,000 | 3,848 |
| Average earning assets | $148,047,250 | 3,761 |
| Average equity | $20,816,500 | 3,123 |
| Average total loans | $86,247,000 | 4,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 3,819 |
| Cost of funding earning assets | 1.0710% | 7,433 |
| Net interest margin | 4.5782% | 1,000 |
| Noninterest income to average assets | 0.6513% | 3,339 |
| Noninterest expense to average assets | 3.7658% | 1,712 |
| Loan and lease loss provision to assets | 0.1592% | 5,475 |
| Net operating income to assets | 0.7636% | 2,997 |
| Return on assets (ROA) | 0.7636% | 3,103 |
| Pretax return on assets | 1.0338% | 2,869 |
| Return on Equity (ROE) | 5.6750% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.7842% | 3,777 |
| Net charge-offs to loans | 0.0809% | 5,399 |
| Credit loss provision to net charge-offs | 348.5714% | 1,330 |
| Earnings coverage of net charge-offs (x) | 26.1143% | 1,097 |
| Efficiency ratio | 75.9410% | 3,700 |
| Assets per employee ($millions) | 2.6393% | 6,978 |
| Cash dividends to net income (ytd only)* | 50.9402% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4977% | 7,792 |
| Loan loss allowance to noncurrent loans | 15.9535% | 7,335 |
| Noncurrent assets plus other real estate owned to assets | 2.5135% | 2,561 |
| Noncurrent loans to loans | 3.1200% | 2,291 |
| Net loans and leases to total assets | 54.5598% | 6,373 |
| Net loans and leases to deposits | 63.4134% | 6,622 |
| Net loans and leases to core deposits | 84.3552% | 6,067 |
| Total domestic deposits to total assets | 86.0383% | 2,772 |
| Equity capital to assets | 13.4467% | 1,513 |
| Core capital (leverage) ratio | 13.1110% | 1,395 |
| Tier 1 risk-based capital ratio | 20.0473% | 1,573 |
| Total risk-based capital ratio | 20.4715% | 1,689 |
| Memoranda: | ||
| Average total assets | $153,222,000 | 3,944 |
| Average earning assets | $144,161,330 | 3,855 |
| Average equity | $20,616,670 | 3,158 |
| Average total loans | $86,577,670 | 4,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8109% | 3,244 |
| Cost of funding earning assets | 1.1336% | 7,454 |
| Net interest margin | 4.6773% | 805 |
| Noninterest income to average assets | 0.7264% | 2,724 |
| Noninterest expense to average assets | 3.7586% | 1,549 |
| Loan and lease loss provision to assets | 0.1579% | 4,908 |
| Net operating income to assets | 0.8765% | 2,814 |
| Return on assets (ROA) | 0.8765% | 2,956 |
| Pretax return on assets | 1.2081% | 2,602 |
| Return on Equity (ROE) | 6.5117% | 3,812 |
| Retained earnings to average equity (ytd only) | 0.6844% | 5,384 |
| Net charge-offs to loans | 0.0046% | 5,644 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 53 |
| Efficiency ratio | 73.3436% | 3,938 |
| Assets per employee ($millions) | 2.4723% | 7,337 |
| Cash dividends to net income (ytd only)* | 89.4895% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4574% | 7,883 |
| Loan loss allowance to noncurrent loans | 29.2989% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 1.6107% | 3,506 |
| Noncurrent loans to loans | 1.5612% | 3,943 |
| Net loans and leases to total assets | 57.2881% | 6,057 |
| Net loans and leases to deposits | 66.7401% | 6,308 |
| Net loans and leases to core deposits | 84.9876% | 5,981 |
| Total domestic deposits to total assets | 85.8376% | 2,801 |
| Equity capital to assets | 13.6498% | 1,480 |
| Core capital (leverage) ratio | 13.0572% | 1,463 |
| Tier 1 risk-based capital ratio | 19.8047% | 1,652 |
| Total risk-based capital ratio | 20.2011% | 1,779 |
| Memoranda: | ||
| Average total assets | $151,973,500 | 3,977 |
| Average earning assets | $142,904,000 | 3,899 |
| Average equity | $20,455,500 | 3,196 |
| Average total loans | $87,174,000 | 4,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2370% | 4,317 |
| Cost of funding earning assets | 1.6709% | 7,325 |
| Net interest margin | 4.5661% | 1,267 |
| Noninterest income to average assets | 0.6700% | 3,325 |
| Noninterest expense to average assets | 3.6178% | 2,102 |
| Loan and lease loss provision to assets | 0.1191% | 5,841 |
| Net operating income to assets | 0.9036% | 2,983 |
| Return on assets (ROA) | 0.9036% | 2,827 |
| Pretax return on assets | 1.2478% | 2,489 |
| Return on Equity (ROE) | 7.0492% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.5280% | 1,753 |
| Net charge-offs to loans | 0.1580% | 4,619 |
| Credit loss provision to net charge-offs | 135.8209% | 3,923 |
| Earnings coverage of net charge-offs (x) | 15.5896% | 1,920 |
| Efficiency ratio | 72.5781% | 3,831 |
| Assets per employee ($millions) | 2.5956% | 7,015 |
| Cash dividends to net income (ytd only)* | 21.5786% | 4,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3860% | 8,002 |
| Loan loss allowance to noncurrent loans | 26.0401% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 3,501 |
| Noncurrent loans to loans | 1.4825% | 3,581 |
| Net loans and leases to total assets | 56.9535% | 6,339 |
| Net loans and leases to deposits | 67.0340% | 6,557 |
| Net loans and leases to core deposits | 87.6325% | 6,006 |
| Total domestic deposits to total assets | 84.9620% | 2,861 |
| Equity capital to assets | 13.2729% | 1,679 |
| Core capital (leverage) ratio | 12.8245% | 1,606 |
| Tier 1 risk-based capital ratio | 19.9354% | 1,629 |
| Total risk-based capital ratio | 20.2757% | 1,764 |
| Memoranda: | ||
| Average total assets | $152,828,200 | 3,849 |
| Average earning assets | $144,413,000 | 3,748 |
| Average equity | $19,591,000 | 3,293 |
| Average total loans | $84,785,800 | 4,372 |