Home > Truxton Trust Company > Performance and Condition Ratios
Truxton Trust Company, 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 | 5.4616% | 1,221 |
| Cost of funding earning assets | 2.6249% | 285 |
| Net interest margin | 2.8367% | 3,595 |
| Noninterest income to average assets | 1.9800% | 269 |
| Noninterest expense to average assets | 2.3067% | 2,837 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.8911% | 532 |
| Return on assets (ROA) | 1.8581% | 541 |
| Pretax return on assets | 2.3168% | 425 |
| Return on Equity (ROE) | 21.4900% | 502 |
| Retained earnings to average equity (ytd only) | 11.8641% | 649 |
| Net charge-offs to loans | 0.0003% | 2,899 |
| Credit loss provision to net charge-offs | 15,050.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 11,195.5000% | 4 |
| Efficiency ratio | 49.1171% | 4,035 |
| Assets per employee ($millions) | 14.6715% | 228 |
| Cash dividends to net income (ytd only)* | 44.7904% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 3,498 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.3200% | 1,997 |
| Net loans and leases to deposits | 82.1423% | 1,935 |
| Net loans and leases to core deposits | 104.7364% | 1,181 |
| Total domestic deposits to total assets | 83.1700% | 2,846 |
| Equity capital to assets | 9.3252% | 2,474 |
| Core capital (leverage) ratio | 10.5340% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4542% | 1,404 |
| Memoranda: | ||
| Average total assets | $936,995,800 | 1,045 |
| Average earning assets | $896,228,600 | 1,005 |
| Average equity | $81,017,200 | 1,117 |
| Average total loans | $634,385,200 | 1,050 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 1,298 |
| Cost of funding earning assets | 2.5084% | 273 |
| Net interest margin | 2.7877% | 3,741 |
| Noninterest income to average assets | 1.9900% | 286 |
| Noninterest expense to average assets | 2.3249% | 2,715 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.8597% | 591 |
| Return on assets (ROA) | 1.8664% | 577 |
| Pretax return on assets | 2.3273% | 464 |
| Return on Equity (ROE) | 22.0300% | 555 |
| Retained earnings to average equity (ytd only) | 11.5754% | 1,057 |
| Net charge-offs to loans | 0.0021% | 2,482 |
| Credit loss provision to net charge-offs | 810.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 1,630.6000% | 88 |
| Efficiency ratio | 49.9386% | 3,914 |
| Assets per employee ($millions) | 14.5680% | 216 |
| Cash dividends to net income (ytd only)* | 47.4498% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,596 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.1400% | 2,143 |
| Net loans and leases to deposits | 80.3378% | 2,015 |
| Net loans and leases to core deposits | 101.8891% | 1,220 |
| Total domestic deposits to total assets | 83.5700% | 2,882 |
| Equity capital to assets | 8.5552% | 2,693 |
| Core capital (leverage) ratio | 10.3607% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0360% | 1,551 |
| Memoranda: | ||
| Average total assets | $932,833,500 | 1,053 |
| Average earning assets | $891,313,000 | 1,014 |
| Average equity | $79,039,250 | 1,137 |
| Average total loans | $628,521,500 | 1,050 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 1,354 |
| Cost of funding earning assets | 2.3259% | 262 |
| Net interest margin | 2.7839% | 3,846 |
| Noninterest income to average assets | 1.9600% | 246 |
| Noninterest expense to average assets | 2.3311% | 2,712 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.8311% | 621 |
| Return on assets (ROA) | 1.8411% | 613 |
| Pretax return on assets | 2.2893% | 474 |
| Return on Equity (ROE) | 21.8000% | 553 |
| Retained earnings to average equity (ytd only) | 16.1823% | 452 |
| Net charge-offs to loans | 0.0035% | 2,188 |
| Credit loss provision to net charge-offs | 672.7273% | 534 |
| Earnings coverage of net charge-offs (x) | 967.2727% | 152 |
| Efficiency ratio | 50.4148% | 3,886 |
| Assets per employee ($millions) | 14.6475% | 210 |
| Cash dividends to net income (ytd only)* | 25.7725% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,610 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.3000% | 2,234 |
| Net loans and leases to deposits | 79.0395% | 2,042 |
| Net loans and leases to core deposits | 97.8976% | 1,354 |
| Total domestic deposits to total assets | 82.6100% | 3,120 |
| Equity capital to assets | 8.6464% | 2,751 |
| Core capital (leverage) ratio | 10.3947% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1847% | 1,512 |
| Memoranda: | ||
| Average total assets | $928,139,000 | 1,045 |
| Average earning assets | $887,328,333 | 1,011 |
| Average equity | $78,382,000 | 1,140 |
| Average total loans | $624,106,667 | 1,038 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 1,333 |
| Cost of funding earning assets | 2.0603% | 260 |
| Net interest margin | 2.8859% | 3,811 |
| Noninterest income to average assets | 1.9200% | 242 |
| Noninterest expense to average assets | 2.4332% | 2,430 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.7966% | 679 |
| Return on assets (ROA) | 1.8171% | 638 |
| Pretax return on assets | 2.2507% | 527 |
| Return on Equity (ROE) | 21.7900% | 598 |
| Retained earnings to average equity (ytd only) | 16.0445% | 687 |
| Net charge-offs to loans | 0.0077% | 1,658 |
| Credit loss provision to net charge-offs | 491.6667% | 557 |
| Earnings coverage of net charge-offs (x) | 429.6667% | 259 |
| Efficiency ratio | 51.9433% | 3,783 |
| Assets per employee ($millions) | 15.0591% | 204 |
| Cash dividends to net income (ytd only)* | 26.3575% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,710 |
| Loan loss allowance to noncurrent loans | 596,100.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,955 |
| Noncurrent loans to loans | 0.0002% | 3,885 |
| Net loans and leases to total assets | 67.4700% | 1,902 |
| Net loans and leases to deposits | 79.5935% | 1,846 |
| Net loans and leases to core deposits | 106.3198% | 823 |
| Total domestic deposits to total assets | 84.7600% | 2,917 |
| Equity capital to assets | 8.5534% | 2,848 |
| Core capital (leverage) ratio | 10.2887% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7358% | 1,707 |
| Memoranda: | ||
| Average total assets | $916,164,500 | 1,079 |
| Average earning assets | $875,990,500 | 1,036 |
| Average equity | $76,412,500 | 1,166 |
| Average total loans | $622,332,000 | 1,056 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 2,289 |
| Cost of funding earning assets | 0.8152% | 365 |
| Net interest margin | 2.9819% | 3,496 |
| Noninterest income to average assets | 1.9300% | 259 |
| Noninterest expense to average assets | 2.3424% | 2,607 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.8781% | 367 |
| Return on assets (ROA) | 1.8212% | 402 |
| Pretax return on assets | 2.2652% | 281 |
| Return on Equity (ROE) | 21.9600% | 339 |
| Retained earnings to average equity (ytd only) | 16.6307% | 196 |
| Net charge-offs to loans | -0.0004% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.9120% | 4,191 |
| Assets per employee ($millions) | 14.5036% | 222 |
| Cash dividends to net income (ytd only)* | 24.2655% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 3,667 |
| Loan loss allowance to noncurrent loans | 57,610.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,946 |
| Noncurrent loans to loans | 0.0016% | 3,886 |
| Net loans and leases to total assets | 67.1100% | 1,918 |
| Net loans and leases to deposits | 74.9150% | 2,181 |
| Net loans and leases to core deposits | 95.3176% | 1,237 |
| Total domestic deposits to total assets | 89.5800% | 1,524 |
| Equity capital to assets | 8.1264% | 2,975 |
| Core capital (leverage) ratio | 9.7790% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2007% | 1,896 |
| Memoranda: | ||
| Average total assets | $893,372,600 | 1,085 |
| Average earning assets | $856,798,800 | 1,049 |
| Average equity | $74,091,800 | 1,200 |
| Average total loans | $560,209,600 | 1,090 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 2,723 |
| Cost of funding earning assets | 0.5294% | 641 |
| Net interest margin | 2.9376% | 3,390 |
| Noninterest income to average assets | 1.9300% | 277 |
| Noninterest expense to average assets | 2.3184% | 2,580 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.8620% | 378 |
| Return on assets (ROA) | 1.8561% | 370 |
| Pretax return on assets | 2.2827% | 284 |
| Return on Equity (ROE) | 22.2700% | 279 |
| Retained earnings to average equity (ytd only) | 16.9301% | 215 |
| Net charge-offs to loans | -0.0002% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.7609% | 4,229 |
| Assets per employee ($millions) | 14.9771% | 209 |
| Cash dividends to net income (ytd only)* | 23.9609% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 3,740 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.3600% | 1,850 |
| Net loans and leases to deposits | 75.7530% | 1,899 |
| Net loans and leases to core deposits | 90.0285% | 1,294 |
| Total domestic deposits to total assets | 87.6100% | 2,555 |
| Equity capital to assets | 7.6561% | 3,121 |
| Core capital (leverage) ratio | 9.7827% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4621% | 2,281 |
| Memoranda: | ||
| Average total assets | $888,284,500 | 1,093 |
| Average earning assets | $852,749,250 | 1,060 |
| Average equity | $74,051,500 | 1,211 |
| Average total loans | $545,525,000 | 1,105 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1899% | 3,073 |
| Cost of funding earning assets | 0.3413% | 1,353 |
| Net interest margin | 2.8485% | 3,294 |
| Noninterest income to average assets | 1.9599% | 238 |
| Noninterest expense to average assets | 2.2681% | 2,640 |
| Loan and lease loss provision to assets | 0.1571% | 596 |
| Net operating income to assets | 1.8650% | 290 |
| Return on assets (ROA) | 1.8560% | 293 |
| Pretax return on assets | 2.2629% | 223 |
| Return on Equity (ROE) | 21.6521% | 211 |
| Retained earnings to average equity (ytd only) | 16.4254% | 170 |
| Net charge-offs to loans | -0.0008% | 3,016 |
| Credit loss provision to net charge-offs | -34,550.0000% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2682% | 4,337 |
| Assets per employee ($millions) | 13.8914% | 238 |
| Cash dividends to net income (ytd only)* | 24.1396% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.5164% | 1,850 |
| Net loans and leases to deposits | 71.1680% | 2,095 |
| Net loans and leases to core deposits | 86.7693% | 1,279 |
| Total domestic deposits to total assets | 90.6536% | 1,400 |
| Equity capital to assets | 8.1723% | 2,992 |
| Core capital (leverage) ratio | 9.6288% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8024% | 2,155 |
| Memoranda: | ||
| Average total assets | $879,845,000 | 1,096 |
| Average earning assets | $846,053,000 | 1,068 |
| Average equity | $75,420,000 | 1,223 |
| Average total loans | $523,347,667 | 1,131 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 3,220 |
| Cost of funding earning assets | 0.2873% | 1,762 |
| Net interest margin | 2.7251% | 3,352 |
| Noninterest income to average assets | 1.9819% | 244 |
| Noninterest expense to average assets | 2.2811% | 2,571 |
| Loan and lease loss provision to assets | 0.0476% | 1,517 |
| Net operating income to assets | 1.8894% | 278 |
| Return on assets (ROA) | 1.8826% | 282 |
| Pretax return on assets | 2.2685% | 238 |
| Return on Equity (ROE) | 21.4658% | 179 |
| Retained earnings to average equity (ytd only) | 16.4044% | 214 |
| Net charge-offs to loans | -0.0008% | 3,001 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5323% | 4,338 |
| Assets per employee ($millions) | 13.9144% | 247 |
| Cash dividends to net income (ytd only)* | 23.5790% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.9896% | 2,297 |
| Net loans and leases to deposits | 64.1641% | 2,513 |
| Net loans and leases to core deposits | 72.3483% | 2,081 |
| Total domestic deposits to total assets | 90.3770% | 1,341 |
| Equity capital to assets | 8.6166% | 3,059 |
| Core capital (leverage) ratio | 9.4762% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8352% | 1,860 |
| Memoranda: | ||
| Average total assets | $882,187,000 | 1,099 |
| Average earning assets | $849,294,500 | 1,072 |
| Average equity | $77,369,500 | 1,226 |
| Average total loans | $499,976,500 | 1,164 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0075% | 3,857 |
| Cost of funding earning assets | 0.3312% | 2,110 |
| Net interest margin | 2.6763% | 3,919 |
| Noninterest income to average assets | 1.9779% | 325 |
| Noninterest expense to average assets | 2.3597% | 2,623 |
| Loan and lease loss provision to assets | 0.0362% | 2,324 |
| Net operating income to assets | 1.7689% | 544 |
| Return on assets (ROA) | 1.7689% | 571 |
| Pretax return on assets | 2.1510% | 455 |
| Return on Equity (ROE) | 19.0214% | 378 |
| Retained earnings to average equity (ytd only) | 14.4064% | 277 |
| Net charge-offs to loans | 0.0013% | 2,617 |
| Credit loss provision to net charge-offs | 4,850.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 2,933.0000% | 42 |
| Efficiency ratio | 51.8970% | 4,124 |
| Assets per employee ($millions) | 14.7816% | 209 |
| Cash dividends to net income (ytd only)* | 24.2622% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.3457% | 2,807 |
| Net loans and leases to deposits | 60.4437% | 3,038 |
| Net loans and leases to core deposits | 65.7084% | 2,847 |
| Total domestic deposits to total assets | 89.9114% | 998 |
| Equity capital to assets | 8.9171% | 3,708 |
| Core capital (leverage) ratio | 8.9543% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6627% | 1,991 |
| Memoranda: | ||
| Average total assets | $804,589,200 | 1,154 |
| Average earning assets | $772,337,200 | 1,123 |
| Average equity | $74,821,000 | 1,277 |
| Average total loans | $458,906,600 | 1,243 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0397% | 3,928 |
| Cost of funding earning assets | 0.3281% | 2,323 |
| Net interest margin | 2.7116% | 3,944 |
| Noninterest income to average assets | 1.9947% | 355 |
| Noninterest expense to average assets | 2.3771% | 2,511 |
| Loan and lease loss provision to assets | 0.0497% | 2,002 |
| Net operating income to assets | 1.7563% | 735 |
| Return on assets (ROA) | 1.7563% | 768 |
| Pretax return on assets | 2.1666% | 583 |
| Return on Equity (ROE) | 18.6652% | 553 |
| Retained earnings to average equity (ytd only) | 13.9640% | 514 |
| Net charge-offs to loans | 0.0006% | 2,433 |
| Credit loss provision to net charge-offs | 14,550.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 6,485.5000% | 16 |
| Efficiency ratio | 51.7502% | 4,046 |
| Assets per employee ($millions) | 13.6048% | 265 |
| Cash dividends to net income (ytd only)* | 25.1873% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,910 |
| Loan loss allowance to noncurrent loans | 79,650.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,298 |
| Noncurrent loans to loans | 0.0012% | 4,223 |
| Net loans and leases to total assets | 58.1326% | 2,475 |
| Net loans and leases to deposits | 65.7085% | 2,661 |
| Net loans and leases to core deposits | 70.2412% | 2,575 |
| Total domestic deposits to total assets | 88.4704% | 1,581 |
| Equity capital to assets | 9.3380% | 3,517 |
| Core capital (leverage) ratio | 8.9936% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2034% | 2,294 |
| Memoranda: | ||
| Average total assets | $780,316,750 | 1,195 |
| Average earning assets | $747,823,000 | 1,164 |
| Average equity | $73,425,250 | 1,316 |
| Average total loans | $449,933,500 | 1,286 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9910% | 4,064 |
| Cost of funding earning assets | 0.3249% | 2,544 |
| Net interest margin | 2.6661% | 4,046 |
| Noninterest income to average assets | 1.9573% | 340 |
| Noninterest expense to average assets | 2.4132% | 2,420 |
| Loan and lease loss provision to assets | 0.0241% | 2,485 |
| Net operating income to assets | 1.7031% | 865 |
| Return on assets (ROA) | 1.7031% | 920 |
| Pretax return on assets | 2.0726% | 715 |
| Return on Equity (ROE) | 18.0495% | 647 |
| Retained earnings to average equity (ytd only) | 13.2624% | 676 |
| Net charge-offs to loans | 0.0032% | 2,066 |
| Credit loss provision to net charge-offs | 1,314.2857% | 390 |
| Earnings coverage of net charge-offs (x) | 1,143.8571% | 111 |
| Efficiency ratio | 53.5098% | 3,864 |
| Assets per employee ($millions) | 13.2008% | 271 |
| Cash dividends to net income (ytd only)* | 26.5221% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,822 |
| Loan loss allowance to noncurrent loans | 227.9522% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 2,682 |
| Noncurrent loans to loans | 0.4391% | 2,356 |
| Net loans and leases to total assets | 56.1926% | 2,876 |
| Net loans and leases to deposits | 63.6550% | 3,035 |
| Net loans and leases to core deposits | 68.1947% | 2,942 |
| Total domestic deposits to total assets | 88.2769% | 1,682 |
| Equity capital to assets | 9.3524% | 3,468 |
| Core capital (leverage) ratio | 9.4654% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6799% | 2,096 |
| Memoranda: | ||
| Average total assets | $763,792,000 | 1,209 |
| Average earning assets | $731,259,667 | 1,181 |
| Average equity | $72,068,667 | 1,325 |
| Average total loans | $437,506,000 | 1,311 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9898% | 4,109 |
| Cost of funding earning assets | 0.3391% | 2,631 |
| Net interest margin | 2.6507% | 4,055 |
| Noninterest income to average assets | 1.9266% | 401 |
| Noninterest expense to average assets | 2.4525% | 2,320 |
| Loan and lease loss provision to assets | 0.0495% | 2,099 |
| Net operating income to assets | 1.6209% | 1,084 |
| Return on assets (ROA) | 1.6209% | 1,138 |
| Pretax return on assets | 1.9578% | 1,020 |
| Return on Equity (ROE) | 17.0963% | 836 |
| Retained earnings to average equity (ytd only) | 12.2189% | 1,094 |
| Net charge-offs to loans | 0.0075% | 1,632 |
| Credit loss provision to net charge-offs | 1,150.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 466.1250% | 204 |
| Efficiency ratio | 54.9909% | 3,668 |
| Assets per employee ($millions) | 12.4374% | 312 |
| Cash dividends to net income (ytd only)* | 28.5287% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,650 |
| Loan loss allowance to noncurrent loans | 227.9023% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 2,824 |
| Noncurrent loans to loans | 0.4605% | 2,473 |
| Net loans and leases to total assets | 56.8422% | 2,940 |
| Net loans and leases to deposits | 64.7332% | 3,056 |
| Net loans and leases to core deposits | 68.9276% | 2,973 |
| Total domestic deposits to total assets | 87.8100% | 1,935 |
| Equity capital to assets | 9.3593% | 3,319 |
| Core capital (leverage) ratio | 9.3895% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9204% | 1,921 |
| Memoranda: | ||
| Average total assets | $743,064,000 | 1,227 |
| Average earning assets | $710,139,500 | 1,195 |
| Average equity | $70,448,000 | 1,347 |
| Average total loans | $427,726,500 | 1,341 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4810% | 4,064 |
| Cost of funding earning assets | 0.4026% | 3,564 |
| Net interest margin | 3.0784% | 3,680 |
| Noninterest income to average assets | 1.9277% | 349 |
| Noninterest expense to average assets | 2.6467% | 2,396 |
| Loan and lease loss provision to assets | 0.1735% | 2,221 |
| Net operating income to assets | 1.6573% | 561 |
| Return on assets (ROA) | 1.6573% | 604 |
| Pretax return on assets | 2.0322% | 428 |
| Return on Equity (ROE) | 16.5041% | 453 |
| Retained earnings to average equity (ytd only) | 11.5543% | 373 |
| Net charge-offs to loans | 0.0030% | 3,269 |
| Credit loss provision to net charge-offs | 9,108.3333% | 116 |
| Earnings coverage of net charge-offs (x) | 1,158.1667% | 95 |
| Efficiency ratio | 54.5446% | 4,153 |
| Assets per employee ($millions) | 12.1241% | 313 |
| Cash dividends to net income (ytd only)* | 29.9914% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,597 |
| Loan loss allowance to noncurrent loans | 222.3873% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 2,910 |
| Noncurrent loans to loans | 0.4811% | 2,526 |
| Net loans and leases to total assets | 57.0678% | 3,195 |
| Net loans and leases to deposits | 65.7365% | 3,299 |
| Net loans and leases to core deposits | 69.8973% | 3,260 |
| Total domestic deposits to total assets | 86.8129% | 2,025 |
| Equity capital to assets | 9.6074% | 3,505 |
| Core capital (leverage) ratio | 9.3828% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0519% | 1,835 |
| Memoranda: | ||
| Average total assets | $630,117,000 | 1,284 |
| Average earning assets | $598,626,600 | 1,268 |
| Average equity | $63,275,200 | 1,390 |
| Average total loans | $399,421,200 | 1,358 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 4,191 |
| Cost of funding earning assets | 0.4280% | 3,650 |
| Net interest margin | 3.0829% | 3,776 |
| Noninterest income to average assets | 1.9584% | 327 |
| Noninterest expense to average assets | 2.7395% | 2,144 |
| Loan and lease loss provision to assets | 0.1903% | 2,086 |
| Net operating income to assets | 1.5453% | 820 |
| Return on assets (ROA) | 1.5453% | 897 |
| Pretax return on assets | 1.9520% | 564 |
| Return on Equity (ROE) | 15.1912% | 664 |
| Retained earnings to average equity (ytd only) | 10.1087% | 737 |
| Net charge-offs to loans | 0.0054% | 2,948 |
| Credit loss provision to net charge-offs | 5,406.2500% | 207 |
| Earnings coverage of net charge-offs (x) | 608.3750% | 199 |
| Efficiency ratio | 56.1156% | 3,908 |
| Assets per employee ($millions) | 11.8446% | 332 |
| Cash dividends to net income (ytd only)* | 33.4568% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,576 |
| Loan loss allowance to noncurrent loans | 208.3170% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 2,963 |
| Noncurrent loans to loans | 0.4933% | 2,584 |
| Net loans and leases to total assets | 59.6975% | 3,261 |
| Net loans and leases to deposits | 74.8279% | 2,873 |
| Net loans and leases to core deposits | 80.8172% | 2,769 |
| Total domestic deposits to total assets | 79.7799% | 3,905 |
| Equity capital to assets | 9.5459% | 3,646 |
| Core capital (leverage) ratio | 9.4336% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5095% | 1,652 |
| Memoranda: | ||
| Average total assets | $605,784,500 | 1,301 |
| Average earning assets | $574,460,750 | 1,287 |
| Average equity | $61,621,750 | 1,406 |
| Average total loans | $394,369,500 | 1,366 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 4,104 |
| Cost of funding earning assets | 0.4824% | 3,640 |
| Net interest margin | 3.2095% | 3,645 |
| Noninterest income to average assets | 2.0514% | 281 |
| Noninterest expense to average assets | 2.8636% | 1,931 |
| Loan and lease loss provision to assets | 0.2084% | 1,972 |
| Net operating income to assets | 1.5852% | 783 |
| Return on assets (ROA) | 1.5852% | 856 |
| Pretax return on assets | 2.0234% | 518 |
| Return on Equity (ROE) | 15.2133% | 681 |
| Retained earnings to average equity (ytd only) | 10.0195% | 785 |
| Net charge-offs to loans | 0.0046% | 2,811 |
| Credit loss provision to net charge-offs | 6,700.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 717.5556% | 137 |
| Efficiency ratio | 56.1991% | 3,917 |
| Assets per employee ($millions) | 11.4669% | 353 |
| Cash dividends to net income (ytd only)* | 34.1400% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,786 |
| Loan loss allowance to noncurrent loans | 194.4148% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 3,073 |
| Noncurrent loans to loans | 0.4904% | 2,682 |
| Net loans and leases to total assets | 62.5336% | 3,066 |
| Net loans and leases to deposits | 80.9414% | 2,319 |
| Net loans and leases to core deposits | 84.6780% | 2,559 |
| Total domestic deposits to total assets | 77.2579% | 4,288 |
| Equity capital to assets | 9.5020% | 3,659 |
| Core capital (leverage) ratio | 10.3459% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4932% | 2,004 |
| Memoranda: | ||
| Average total assets | $578,716,667 | 1,330 |
| Average earning assets | $548,872,000 | 1,313 |
| Average equity | $60,302,667 | 1,424 |
| Average total loans | $387,701,667 | 1,365 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,874 |
| Cost of funding earning assets | 0.6490% | 3,174 |
| Net interest margin | 3.3214% | 3,542 |
| Noninterest income to average assets | 2.2176% | 235 |
| Noninterest expense to average assets | 3.1303% | 1,567 |
| Loan and lease loss provision to assets | 0.1382% | 2,003 |
| Net operating income to assets | 1.6477% | 563 |
| Return on assets (ROA) | 1.6477% | 623 |
| Pretax return on assets | 2.0951% | 370 |
| Return on Equity (ROE) | 14.9925% | 544 |
| Retained earnings to average equity (ytd only) | 9.6711% | 811 |
| Net charge-offs to loans | 0.0022% | 2,516 |
| Credit loss provision to net charge-offs | 9,250.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 1,495.0000% | 29 |
| Efficiency ratio | 58.3623% | 3,955 |
| Assets per employee ($millions) | 9.4418% | 452 |
| Cash dividends to net income (ytd only)* | 35.4941% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,943 |
| Loan loss allowance to noncurrent loans | 89,800.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,655 |
| Noncurrent loans to loans | 0.0011% | 4,586 |
| Net loans and leases to total assets | 69.7685% | 2,285 |
| Net loans and leases to deposits | 86.9251% | 1,882 |
| Net loans and leases to core deposits | 92.2544% | 2,126 |
| Total domestic deposits to total assets | 80.2627% | 3,811 |
| Equity capital to assets | 11.0656% | 2,807 |
| Core capital (leverage) ratio | 11.2093% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1981% | 2,196 |
| Memoranda: | ||
| Average total assets | $535,536,000 | 1,385 |
| Average earning assets | $507,262,000 | 1,359 |
| Average equity | $58,856,000 | 1,439 |
| Average total loans | $371,602,500 | 1,378 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 3,819 |
| Cost of funding earning assets | 0.9599% | 1,907 |
| Net interest margin | 3.2367% | 4,116 |
| Noninterest income to average assets | 2.2990% | 218 |
| Noninterest expense to average assets | 3.1409% | 1,665 |
| Loan and lease loss provision to assets | 0.0110% | 3,793 |
| Net operating income to assets | 1.7549% | 588 |
| Return on assets (ROA) | 1.7751% | 589 |
| Pretax return on assets | 2.2388% | 355 |
| Return on Equity (ROE) | 16.0012% | 537 |
| Retained earnings to average equity (ytd only) | 8.5233% | 829 |
| Net charge-offs to loans | 0.0003% | 3,722 |
| Credit loss provision to net charge-offs | 5,500.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 11,124.0000% | 2 |
| Efficiency ratio | 58.5436% | 3,905 |
| Assets per employee ($millions) | 9.3490% | 440 |
| Cash dividends to net income (ytd only)* | 46.7335% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 3,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.6918% | 2,726 |
| Net loans and leases to deposits | 80.3153% | 2,739 |
| Net loans and leases to core deposits | 84.2083% | 2,929 |
| Total domestic deposits to total assets | 84.2826% | 2,760 |
| Equity capital to assets | 10.9138% | 3,082 |
| Core capital (leverage) ratio | 11.3017% | 2,250 |
| Tier 1 risk-based capital ratio | 13.7018% | 3,414 |
| Total risk-based capital ratio | 14.5061% | 3,535 |
| Memoranda: | ||
| Average total assets | $500,140,800 | 1,427 |
| Average earning assets | $473,782,800 | 1,407 |
| Average equity | $55,483,200 | 1,462 |
| Average total loans | $342,144,200 | 1,454 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 3,789 |
| Cost of funding earning assets | 0.9943% | 1,788 |
| Net interest margin | 3.2638% | 4,161 |
| Noninterest income to average assets | 2.3628% | 213 |
| Noninterest expense to average assets | 3.1574% | 1,562 |
| Loan and lease loss provision to assets | 0.0149% | 3,609 |
| Net operating income to assets | 1.7871% | 628 |
| Return on assets (ROA) | 1.8145% | 626 |
| Pretax return on assets | 2.3167% | 359 |
| Return on Equity (ROE) | 16.2849% | 566 |
| Retained earnings to average equity (ytd only) | 11.2717% | 475 |
| Net charge-offs to loans | -0.0008% | 3,988 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8882% | 3,951 |
| Assets per employee ($millions) | 8.7328% | 528 |
| Cash dividends to net income (ytd only)* | 30.7842% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.2270% | 3,156 |
| Net loans and leases to deposits | 77.7821% | 3,118 |
| Net loans and leases to core deposits | 83.7703% | 3,115 |
| Total domestic deposits to total assets | 83.8587% | 2,876 |
| Equity capital to assets | 11.3086% | 2,831 |
| Core capital (leverage) ratio | 11.3250% | 2,361 |
| Tier 1 risk-based capital ratio | 14.9436% | 2,874 |
| Total risk-based capital ratio | 15.8258% | 2,964 |
| Memoranda: | ||
| Average total assets | $491,953,000 | 1,454 |
| Average earning assets | $465,983,750 | 1,434 |
| Average equity | $54,814,250 | 1,478 |
| Average total loans | $336,647,000 | 1,481 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 3,664 |
| Cost of funding earning assets | 1.0310% | 1,567 |
| Net interest margin | 3.2581% | 4,225 |
| Noninterest income to average assets | 2.4226% | 206 |
| Noninterest expense to average assets | 3.2136% | 1,482 |
| Loan and lease loss provision to assets | 0.0227% | 3,352 |
| Net operating income to assets | 1.7805% | 622 |
| Return on assets (ROA) | 1.7737% | 652 |
| Pretax return on assets | 2.2660% | 381 |
| Return on Equity (ROE) | 16.0034% | 590 |
| Retained earnings to average equity (ytd only) | 10.8640% | 568 |
| Net charge-offs to loans | -0.0012% | 3,910 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3121% | 3,971 |
| Assets per employee ($millions) | 8.4479% | 570 |
| Cash dividends to net income (ytd only)* | 32.1146% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 3,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.0942% | 2,662 |
| Net loans and leases to deposits | 82.8952% | 2,629 |
| Net loans and leases to core deposits | 92.5019% | 2,366 |
| Total domestic deposits to total assets | 83.3513% | 3,091 |
| Equity capital to assets | 11.6589% | 2,483 |
| Core capital (leverage) ratio | 11.4383% | 2,222 |
| Tier 1 risk-based capital ratio | 15.0550% | 2,814 |
| Total risk-based capital ratio | 15.9744% | 2,880 |
| Memoranda: | ||
| Average total assets | $484,192,000 | 1,476 |
| Average earning assets | $458,983,670 | 1,449 |
| Average equity | $53,663,670 | 1,497 |
| Average total loans | $335,701,330 | 1,489 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 3,850 |
| Cost of funding earning assets | 1.0501% | 1,377 |
| Net interest margin | 3.1538% | 4,490 |
| Noninterest income to average assets | 2.3537% | 199 |
| Noninterest expense to average assets | 3.2905% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6233% | 852 |
| Return on assets (ROA) | 1.6246% | 883 |
| Pretax return on assets | 2.0588% | 575 |
| Return on Equity (ROE) | 15.0463% | 740 |
| Retained earnings to average equity (ytd only) | 9.8197% | 1,082 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5314% | 3,603 |
| Assets per employee ($millions) | 8.2984% | 604 |
| Cash dividends to net income (ytd only)* | 34.7363% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.5903% | 2,679 |
| Net loans and leases to deposits | 81.5325% | 2,659 |
| Net loans and leases to core deposits | 89.4199% | 2,563 |
| Total domestic deposits to total assets | 84.1263% | 3,001 |
| Equity capital to assets | 10.9617% | 2,893 |
| Core capital (leverage) ratio | 11.1537% | 2,426 |
| Tier 1 risk-based capital ratio | 14.3932% | 3,150 |
| Total risk-based capital ratio | 15.2870% | 3,239 |
| Memoranda: | ||
| Average total assets | $485,524,000 | 1,475 |
| Average earning assets | $460,909,500 | 1,447 |
| Average equity | $52,425,000 | 1,514 |
| Average total loans | $335,492,500 | 1,497 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 4,147 |
| Cost of funding earning assets | 0.6813% | 2,204 |
| Net interest margin | 3.2761% | 4,320 |
| Noninterest income to average assets | 2.3014% | 224 |
| Noninterest expense to average assets | 3.3008% | 1,319 |
| Loan and lease loss provision to assets | 0.0614% | 2,929 |
| Net operating income to assets | 1.6482% | 776 |
| Return on assets (ROA) | 1.6353% | 797 |
| Pretax return on assets | 2.0352% | 522 |
| Return on Equity (ROE) | 15.5665% | 712 |
| Retained earnings to average equity (ytd only) | 10.6580% | 495 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9730% | 3,695 |
| Assets per employee ($millions) | 8.1601% | 626 |
| Cash dividends to net income (ytd only)* | 31.5321% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.2223% | 2,851 |
| Net loans and leases to deposits | 80.8245% | 2,872 |
| Net loans and leases to core deposits | 88.1895% | 2,739 |
| Total domestic deposits to total assets | 84.4080% | 2,867 |
| Equity capital to assets | 10.6307% | 3,046 |
| Core capital (leverage) ratio | 10.7592% | 2,779 |
| Tier 1 risk-based capital ratio | 14.2991% | 3,168 |
| Total risk-based capital ratio | 15.2113% | 3,232 |
| Memoranda: | ||
| Average total assets | $460,587,200 | 1,514 |
| Average earning assets | $437,535,400 | 1,485 |
| Average equity | $48,386,000 | 1,559 |
| Average total loans | $308,507,400 | 1,565 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 4,323 |
| Cost of funding earning assets | 0.6018% | 2,465 |
| Net interest margin | 3.2468% | 4,408 |
| Noninterest income to average assets | 2.3154% | 226 |
| Noninterest expense to average assets | 3.3068% | 1,286 |
| Loan and lease loss provision to assets | 0.0167% | 3,681 |
| Net operating income to assets | 1.6513% | 840 |
| Return on assets (ROA) | 1.6543% | 839 |
| Pretax return on assets | 2.0809% | 508 |
| Return on Equity (ROE) | 15.7970% | 726 |
| Retained earnings to average equity (ytd only) | 10.8202% | 690 |
| Net charge-offs to loans | -0.0004% | 3,989 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2307% | 3,627 |
| Assets per employee ($millions) | 8.7262% | 488 |
| Cash dividends to net income (ytd only)* | 31.5044% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.1973% | 3,821 |
| Net loans and leases to deposits | 70.1321% | 3,910 |
| Net loans and leases to core deposits | 76.0146% | 3,804 |
| Total domestic deposits to total assets | 85.8342% | 2,267 |
| Equity capital to assets | 9.7249% | 3,898 |
| Core capital (leverage) ratio | 10.5524% | 3,032 |
| Tier 1 risk-based capital ratio | 14.2557% | 3,241 |
| Total risk-based capital ratio | 15.1288% | 3,335 |
| Memoranda: | ||
| Average total assets | $455,372,750 | 1,533 |
| Average earning assets | $432,696,750 | 1,504 |
| Average equity | $47,687,250 | 1,582 |
| Average total loans | $302,682,000 | 1,597 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 4,205 |
| Cost of funding earning assets | 0.5436% | 2,663 |
| Net interest margin | 3.3104% | 4,222 |
| Noninterest income to average assets | 2.3528% | 224 |
| Noninterest expense to average assets | 3.4548% | 1,064 |
| Loan and lease loss provision to assets | 0.0260% | 3,395 |
| Net operating income to assets | 1.6097% | 901 |
| Return on assets (ROA) | 1.6170% | 892 |
| Pretax return on assets | 2.0226% | 578 |
| Return on Equity (ROE) | 15.0287% | 844 |
| Retained earnings to average equity (ytd only) | 10.0050% | 927 |
| Net charge-offs to loans | -0.0013% | 3,910 |
| Credit loss provision to net charge-offs | -2,850.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8809% | 3,503 |
| Assets per employee ($millions) | 7.2826% | 835 |
| Cash dividends to net income (ytd only)* | 33.4274% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,674 |
| Loan loss allowance to noncurrent loans | 104,400.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,073 |
| Noncurrent loans to loans | 0.0010% | 4,975 |
| Net loans and leases to total assets | 68.0020% | 2,869 |
| Net loans and leases to deposits | 80.7342% | 2,874 |
| Net loans and leases to core deposits | 88.1959% | 2,700 |
| Total domestic deposits to total assets | 84.2295% | 2,978 |
| Equity capital to assets | 10.7780% | 2,856 |
| Core capital (leverage) ratio | 11.2043% | 2,344 |
| Tier 1 risk-based capital ratio | 14.3314% | 3,189 |
| Total risk-based capital ratio | 15.2428% | 3,288 |
| Memoranda: | ||
| Average total assets | $438,456,330 | 1,588 |
| Average earning assets | $416,082,670 | 1,556 |
| Average equity | $47,176,330 | 1,599 |
| Average total loans | $300,975,000 | 1,600 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,339 |
| Cost of funding earning assets | 0.5041% | 2,762 |
| Net interest margin | 3.2521% | 4,306 |
| Noninterest income to average assets | 2.3115% | 223 |
| Noninterest expense to average assets | 3.4429% | 1,093 |
| Loan and lease loss provision to assets | 0.0450% | 2,868 |
| Net operating income to assets | 1.5355% | 994 |
| Return on assets (ROA) | 1.5355% | 1,000 |
| Pretax return on assets | 1.9102% | 707 |
| Return on Equity (ROE) | 14.2831% | 949 |
| Retained earnings to average equity (ytd only) | 9.2430% | 1,381 |
| Net charge-offs to loans | -0.0013% | 3,776 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7802% | 3,514 |
| Assets per employee ($millions) | 7.4098% | 801 |
| Cash dividends to net income (ytd only)* | 35.2871% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,814 |
| 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 | 68.9567% | 2,637 |
| Net loans and leases to deposits | 81.7318% | 2,620 |
| Net loans and leases to core deposits | 86.5708% | 2,755 |
| Total domestic deposits to total assets | 84.3695% | 3,161 |
| Equity capital to assets | 10.7311% | 2,841 |
| Core capital (leverage) ratio | 11.1233% | 2,320 |
| Tier 1 risk-based capital ratio | 14.0321% | 3,369 |
| Total risk-based capital ratio | 14.9453% | 3,456 |
| Memoranda: | ||
| Average total assets | $435,564,500 | 1,605 |
| Average earning assets | $413,394,500 | 1,570 |
| Average equity | $46,824,500 | 1,616 |
| Average total loans | $298,850,500 | 1,606 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,261 |
| Cost of funding earning assets | 0.4473% | 2,804 |
| Net interest margin | 3.2859% | 4,199 |
| Noninterest income to average assets | 2.3193% | 240 |
| Noninterest expense to average assets | 3.4572% | 1,114 |
| Loan and lease loss provision to assets | 0.0178% | 3,945 |
| Net operating income to assets | 1.3299% | 1,164 |
| Return on assets (ROA) | 1.2994% | 1,238 |
| Pretax return on assets | 1.9121% | 590 |
| Return on Equity (ROE) | 12.2095% | 1,151 |
| Retained earnings to average equity (ytd only) | 7.4683% | 932 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6459% | 3,656 |
| Assets per employee ($millions) | 7.6132% | 733 |
| Cash dividends to net income (ytd only)* | 38.8321% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,634 |
| 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 | 66.8377% | 2,991 |
| Net loans and leases to deposits | 79.7131% | 2,947 |
| Net loans and leases to core deposits | 82.4584% | 3,208 |
| Total domestic deposits to total assets | 83.8478% | 3,260 |
| Equity capital to assets | 10.7696% | 2,873 |
| Core capital (leverage) ratio | 10.5443% | 2,793 |
| Tier 1 risk-based capital ratio | 14.3428% | 3,177 |
| Total risk-based capital ratio | 15.2850% | 3,247 |
| Memoranda: | ||
| Average total assets | $421,731,000 | 1,629 |
| Average earning assets | $399,493,000 | 1,596 |
| Average equity | $44,883,000 | 1,664 |
| Average total loans | $292,075,600 | 1,600 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,279 |
| Cost of funding earning assets | 0.4335% | 2,865 |
| Net interest margin | 3.2828% | 4,226 |
| Noninterest income to average assets | 2.2980% | 249 |
| Noninterest expense to average assets | 3.4374% | 1,090 |
| Loan and lease loss provision to assets | 0.0239% | 3,668 |
| Net operating income to assets | 1.3323% | 1,246 |
| Return on assets (ROA) | 1.3369% | 1,256 |
| Pretax return on assets | 1.9521% | 604 |
| Return on Equity (ROE) | 12.6006% | 1,147 |
| Retained earnings to average equity (ytd only) | 7.8251% | 1,291 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5764% | 3,633 |
| Assets per employee ($millions) | 7.4167% | 789 |
| Cash dividends to net income (ytd only)* | 37.8990% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.0247% | 2,690 |
| Net loans and leases to deposits | 82.5477% | 2,715 |
| Net loans and leases to core deposits | 86.5671% | 2,915 |
| Total domestic deposits to total assets | 83.6180% | 3,252 |
| Equity capital to assets | 10.8951% | 2,966 |
| Core capital (leverage) ratio | 10.8788% | 2,571 |
| Tier 1 risk-based capital ratio | 14.4504% | 3,212 |
| Total risk-based capital ratio | 15.4184% | 3,269 |
| Memoranda: | ||
| Average total assets | $418,675,500 | 1,649 |
| Average earning assets | $396,482,000 | 1,618 |
| Average equity | $44,420,000 | 1,692 |
| Average total loans | $291,815,250 | 1,612 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 4,298 |
| Cost of funding earning assets | 0.4243% | 2,855 |
| Net interest margin | 3.2511% | 4,263 |
| Noninterest income to average assets | 2.2884% | 258 |
| Noninterest expense to average assets | 3.3883% | 1,200 |
| Loan and lease loss provision to assets | 0.0235% | 3,523 |
| Net operating income to assets | 1.3227% | 1,244 |
| Return on assets (ROA) | 1.3227% | 1,270 |
| Pretax return on assets | 1.9573% | 578 |
| Return on Equity (ROE) | 12.5816% | 1,147 |
| Retained earnings to average equity (ytd only) | 7.7495% | 1,257 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1081% | 3,816 |
| Assets per employee ($millions) | 7.7024% | 690 |
| Cash dividends to net income (ytd only)* | 38.4058% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 70.0864% | 2,511 |
| Net loans and leases to deposits | 83.8907% | 2,493 |
| Net loans and leases to core deposits | 87.0031% | 2,796 |
| Total domestic deposits to total assets | 83.5449% | 3,386 |
| Equity capital to assets | 10.8251% | 3,006 |
| Core capital (leverage) ratio | 10.6180% | 2,788 |
| Tier 1 risk-based capital ratio | 13.9778% | 3,436 |
| Total risk-based capital ratio | 14.9279% | 3,521 |
| Memoranda: | ||
| Average total assets | $417,317,330 | 1,657 |
| Average earning assets | $395,435,000 | 1,628 |
| Average equity | $43,873,670 | 1,705 |
| Average total loans | $290,795,330 | 1,616 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 4,454 |
| Cost of funding earning assets | 0.4013% | 2,981 |
| Net interest margin | 3.1850% | 4,390 |
| Noninterest income to average assets | 2.1588% | 284 |
| Noninterest expense to average assets | 3.3636% | 1,262 |
| Loan and lease loss provision to assets | 0.0411% | 2,983 |
| Net operating income to assets | 1.2105% | 1,484 |
| Return on assets (ROA) | 1.2105% | 1,520 |
| Pretax return on assets | 1.7770% | 839 |
| Return on Equity (ROE) | 11.6865% | 1,339 |
| Retained earnings to average equity (ytd only) | 6.7902% | 1,933 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9123% | 3,675 |
| Assets per employee ($millions) | 7.9662% | 632 |
| Cash dividends to net income (ytd only)* | 41.8972% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,979 |
| 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 | 66.6450% | 2,873 |
| Net loans and leases to deposits | 78.8643% | 2,881 |
| Net loans and leases to core deposits | 83.2235% | 2,972 |
| Total domestic deposits to total assets | 84.5058% | 3,294 |
| Equity capital to assets | 10.1733% | 3,541 |
| Core capital (leverage) ratio | 10.8018% | 2,597 |
| Tier 1 risk-based capital ratio | 13.5362% | 3,754 |
| Total risk-based capital ratio | 14.4764% | 3,851 |
| Memoranda: | ||
| Average total assets | $418,010,500 | 1,666 |
| Average earning assets | $396,732,500 | 1,634 |
| Average equity | $43,298,000 | 1,732 |
| Average total loans | $288,914,000 | 1,632 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 4,825 |
| Cost of funding earning assets | 0.3433% | 3,602 |
| Net interest margin | 3.1387% | 4,618 |
| Noninterest income to average assets | 2.1323% | 315 |
| Noninterest expense to average assets | 3.2709% | 1,640 |
| Loan and lease loss provision to assets | 0.0609% | 3,157 |
| Net operating income to assets | 1.2448% | 1,369 |
| Return on assets (ROA) | 1.2594% | 1,412 |
| Pretax return on assets | 1.7940% | 815 |
| Return on Equity (ROE) | 12.2820% | 1,174 |
| Retained earnings to average equity (ytd only) | 7.7275% | 950 |
| Net charge-offs to loans | 0.0015% | 4,230 |
| Credit loss provision to net charge-offs | 6,200.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 1,867.2500% | 28 |
| Efficiency ratio | 64.0741% | 3,926 |
| Assets per employee ($millions) | 7.3817% | 766 |
| Cash dividends to net income (ytd only)* | 37.0833% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 4,072 |
| Loan loss allowance to noncurrent loans | 381.4249% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,548 |
| Noncurrent loans to loans | 0.2728% | 4,176 |
| Net loans and leases to total assets | 70.2221% | 2,428 |
| Net loans and leases to deposits | 83.6568% | 2,463 |
| Net loans and leases to core deposits | 93.7826% | 2,128 |
| Total domestic deposits to total assets | 83.9407% | 3,442 |
| Equity capital to assets | 10.5454% | 3,104 |
| Core capital (leverage) ratio | 10.5003% | 2,884 |
| Tier 1 risk-based capital ratio | 13.8297% | 3,560 |
| Total risk-based capital ratio | 14.7952% | 3,651 |
| Memoranda: | ||
| Average total assets | $407,254,200 | 1,657 |
| Average earning assets | $385,696,800 | 1,620 |
| Average equity | $41,760,200 | 1,775 |
| Average total loans | $272,668,400 | 1,656 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 4,924 |
| Cost of funding earning assets | 0.3372% | 3,687 |
| Net interest margin | 3.1115% | 4,744 |
| Noninterest income to average assets | 2.0816% | 335 |
| Noninterest expense to average assets | 3.2746% | 1,620 |
| Loan and lease loss provision to assets | 0.0788% | 2,641 |
| Net operating income to assets | 1.1592% | 1,769 |
| Return on assets (ROA) | 1.1783% | 1,813 |
| Pretax return on assets | 1.7054% | 1,104 |
| Return on Equity (ROE) | 11.5733% | 1,467 |
| Retained earnings to average equity (ytd only) | 8.5209% | 975 |
| Net charge-offs to loans | 0.0020% | 3,867 |
| Credit loss provision to net charge-offs | 6,025.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,343.0563% | 46 |
| Efficiency ratio | 65.0888% | 3,748 |
| Assets per employee ($millions) | 7.3435% | 775 |
| Cash dividends to net income (ytd only)* | 26.3743% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 4,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.9730% | 2,489 |
| Net loans and leases to deposits | 83.6402% | 2,530 |
| Net loans and leases to core deposits | 92.6520% | 2,320 |
| Total domestic deposits to total assets | 83.6596% | 3,334 |
| Equity capital to assets | 10.8866% | 3,154 |
| Core capital (leverage) ratio | 10.5611% | 2,922 |
| Tier 1 risk-based capital ratio | 14.0610% | 3,528 |
| Total risk-based capital ratio | 15.0560% | 3,593 |
| Memoranda: | ||
| Average total assets | $407,568,750 | 1,660 |
| Average earning assets | $386,340,750 | 1,619 |
| Average equity | $41,496,750 | 1,798 |
| Average total loans | $268,811,250 | 1,681 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 5,067 |
| Cost of funding earning assets | 0.3308% | 3,788 |
| Net interest margin | 3.0745% | 4,904 |
| Noninterest income to average assets | 2.1058% | 325 |
| Noninterest expense to average assets | 3.2273% | 1,747 |
| Loan and lease loss provision to assets | 0.0968% | 2,215 |
| Net operating income to assets | 1.1784% | 1,673 |
| Return on assets (ROA) | 1.1784% | 1,768 |
| Pretax return on assets | 1.6973% | 1,096 |
| Return on Equity (ROE) | 11.8372% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.1961% | 1,507 |
| Net charge-offs to loans | 0.0038% | 3,571 |
| Credit loss provision to net charge-offs | 3,980.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 737.8000% | 77 |
| Efficiency ratio | 64.2712% | 3,970 |
| Assets per employee ($millions) | 7.8728% | 600 |
| Cash dividends to net income (ytd only)* | 39.2076% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 4,119 |
| Loan loss allowance to noncurrent loans | 374.1117% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,733 |
| Noncurrent loans to loans | 0.2854% | 4,352 |
| Net loans and leases to total assets | 65.4629% | 3,159 |
| Net loans and leases to deposits | 85.8053% | 2,273 |
| Net loans and leases to core deposits | 97.7120% | 1,830 |
| Total domestic deposits to total assets | 76.2924% | 5,252 |
| Equity capital to assets | 10.0933% | 4,102 |
| Core capital (leverage) ratio | 9.9012% | 3,681 |
| Tier 1 risk-based capital ratio | 13.4448% | 3,939 |
| Total risk-based capital ratio | 14.4117% | 4,023 |
| Memoranda: | ||
| Average total assets | $411,241,670 | 1,643 |
| Average earning assets | $389,981,670 | 1,609 |
| Average equity | $40,938,670 | 1,816 |
| Average total loans | $264,925,330 | 1,702 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4254% | 5,065 |
| Cost of funding earning assets | 0.3366% | 3,763 |
| Net interest margin | 3.0888% | 4,895 |
| Noninterest income to average assets | 2.0087% | 334 |
| Noninterest expense to average assets | 3.2560% | 1,706 |
| Loan and lease loss provision to assets | 0.0990% | 2,045 |
| Net operating income to assets | 1.1013% | 1,893 |
| Return on assets (ROA) | 1.1013% | 1,994 |
| Pretax return on assets | 1.5756% | 1,360 |
| Return on Equity (ROE) | 11.1424% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.1424% | 628 |
| Net charge-offs to loans | 0.0077% | 2,859 |
| Credit loss provision to net charge-offs | 2,020.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 341.8000% | 176 |
| Efficiency ratio | 66.0374% | 3,799 |
| Assets per employee ($millions) | 8.0735% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 4,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.8221% | 3,412 |
| Net loans and leases to deposits | 73.9560% | 3,441 |
| Net loans and leases to core deposits | 83.4091% | 2,992 |
| Total domestic deposits to total assets | 84.9452% | 3,150 |
| Equity capital to assets | 10.0136% | 4,062 |
| Core capital (leverage) ratio | 9.4844% | 4,222 |
| Tier 1 risk-based capital ratio | 13.8830% | 3,768 |
| Total risk-based capital ratio | 14.8591% | 3,854 |
| Memoranda: | ||
| Average total assets | $408,233,000 | 1,654 |
| Average earning assets | $386,170,000 | 1,622 |
| Average equity | $40,350,500 | 1,834 |
| Average total loans | $259,339,000 | 1,733 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3169% | 5,314 |
| Cost of funding earning assets | 0.3494% | 3,704 |
| Net interest margin | 2.9675% | 5,212 |
| Noninterest income to average assets | 2.1115% | 331 |
| Noninterest expense to average assets | 3.0465% | 2,399 |
| Loan and lease loss provision to assets | 0.0051% | 4,289 |
| Net operating income to assets | 1.2964% | 1,273 |
| Return on assets (ROA) | 1.2964% | 1,322 |
| Pretax return on assets | 1.8646% | 702 |
| Return on Equity (ROE) | 13.4197% | 964 |
| Retained earnings to average equity (ytd only) | 9.2873% | 589 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9683% | 4,608 |
| Assets per employee ($millions) | 8.0943% | 535 |
| Cash dividends to net income (ytd only)* | 30.7937% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 4,209 |
| Loan loss allowance to noncurrent loans | 55,060.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,733 |
| Noncurrent loans to loans | 0.0019% | 5,563 |
| Net loans and leases to total assets | 62.8601% | 3,436 |
| Net loans and leases to deposits | 74.5935% | 3,428 |
| Net loans and leases to core deposits | 80.2296% | 3,316 |
| Total domestic deposits to total assets | 84.2702% | 3,377 |
| Equity capital to assets | 9.7525% | 4,239 |
| Core capital (leverage) ratio | 9.6735% | 3,939 |
| Tier 1 risk-based capital ratio | 14.2791% | 3,561 |
| Total risk-based capital ratio | 15.2792% | 3,624 |
| Memoranda: | ||
| Average total assets | $388,769,200 | 1,694 |
| Average earning assets | $367,452,600 | 1,653 |
| Average equity | $37,556,800 | 1,903 |
| Average total loans | $242,923,200 | 1,778 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 5,408 |
| Cost of funding earning assets | 0.3562% | 3,680 |
| Net interest margin | 2.9436% | 5,325 |
| Noninterest income to average assets | 2.0129% | 360 |
| Noninterest expense to average assets | 3.0087% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2273% | 1,563 |
| Return on assets (ROA) | 1.2273% | 1,620 |
| Pretax return on assets | 1.7849% | 926 |
| Return on Equity (ROE) | 12.7366% | 1,189 |
| Retained earnings to average equity (ytd only) | 9.9498% | 641 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7656% | 4,447 |
| Assets per employee ($millions) | 9.5339% | 316 |
| Cash dividends to net income (ytd only)* | 21.8803% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 4,301 |
| Loan loss allowance to noncurrent loans | 39,042.8571% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 5,040 |
| Noncurrent loans to loans | 0.0028% | 5,657 |
| Net loans and leases to total assets | 51.1327% | 4,841 |
| Net loans and leases to deposits | 58.9092% | 4,928 |
| Net loans and leases to core deposits | 60.6131% | 5,022 |
| Total domestic deposits to total assets | 86.7992% | 2,138 |
| Equity capital to assets | 7.9782% | 5,965 |
| Core capital (leverage) ratio | 10.3018% | 3,256 |
| Tier 1 risk-based capital ratio | 13.8279% | 3,954 |
| Total risk-based capital ratio | 14.8128% | 4,031 |
| Memoranda: | ||
| Average total assets | $384,782,500 | 1,721 |
| Average earning assets | $363,494,500 | 1,680 |
| Average equity | $37,078,500 | 1,937 |
| Average total loans | $239,364,500 | 1,809 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5658% | 4,820 |
| Cost of funding earning assets | 0.3957% | 3,321 |
| Net interest margin | 3.1701% | 4,751 |
| Noninterest income to average assets | 2.2834% | 308 |
| Noninterest expense to average assets | 3.3752% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2987% | 1,325 |
| Return on assets (ROA) | 1.2987% | 1,386 |
| Pretax return on assets | 1.8805% | 763 |
| Return on Equity (ROE) | 12.4852% | 1,231 |
| Retained earnings to average equity (ytd only) | 8.2394% | 1,172 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2199% | 4,318 |
| Assets per employee ($millions) | 7.4066% | 692 |
| Cash dividends to net income (ytd only)* | 34.0061% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 4,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 4,973 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.0521% | 2,782 |
| Net loans and leases to deposits | 83.5971% | 2,365 |
| Net loans and leases to core deposits | 84.3589% | 2,948 |
| Total domestic deposits to total assets | 80.2087% | 4,816 |
| Equity capital to assets | 10.4273% | 3,521 |
| Core capital (leverage) ratio | 10.4703% | 3,004 |
| Tier 1 risk-based capital ratio | 13.5428% | 4,192 |
| Total risk-based capital ratio | 14.5424% | 4,277 |
| Memoranda: | ||
| Average total assets | $350,967,670 | 1,887 |
| Average earning assets | $329,075,000 | 1,869 |
| Average equity | $36,507,330 | 1,971 |
| Average total loans | $235,368,000 | 1,837 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 4,926 |
| Cost of funding earning assets | 0.3941% | 3,370 |
| Net interest margin | 3.1174% | 4,894 |
| Noninterest income to average assets | 2.1497% | 330 |
| Noninterest expense to average assets | 3.3852% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1494% | 1,707 |
| Return on assets (ROA) | 1.1494% | 1,813 |
| Pretax return on assets | 1.6863% | 1,082 |
| Return on Equity (ROE) | 11.0640% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.0640% | 710 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7496% | 4,021 |
| Assets per employee ($millions) | 6.7881% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 5,177 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 65.9981% | 2,770 |
| Net loans and leases to deposits | 83.8159% | 2,106 |
| Net loans and leases to core deposits | 84.6956% | 2,693 |
| Total domestic deposits to total assets | 78.7418% | 5,307 |
| Equity capital to assets | 10.4489% | 3,587 |
| Core capital (leverage) ratio | 10.4179% | 3,079 |
| Tier 1 risk-based capital ratio | 13.9777% | 4,041 |
| Total risk-based capital ratio | 15.0259% | 4,085 |
| Memoranda: | ||
| Average total assets | $348,692,000 | 1,904 |
| Average earning assets | $326,810,500 | 1,886 |
| Average equity | $36,225,500 | 1,996 |
| Average total loans | $232,494,000 | 1,856 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 5,333 |
| Cost of funding earning assets | 0.3834% | 3,869 |
| Net interest margin | 3.1081% | 5,183 |
| Noninterest income to average assets | 2.0412% | 331 |
| Noninterest expense to average assets | 3.1612% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2482% | 1,442 |
| Return on assets (ROA) | 1.2549% | 1,482 |
| Pretax return on assets | 1.8160% | 765 |
| Return on Equity (ROE) | 12.7555% | 1,193 |
| Retained earnings to average equity (ytd only) | 11.2421% | 356 |
| Net charge-offs to loans | 0.0636% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 44.9259% | 1,003 |
| Efficiency ratio | 63.6391% | 4,643 |
| Assets per employee ($millions) | 6.7480% | 936 |
| Cash dividends to net income (ytd only)* | 11.8652% | 4,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 4,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 5,284 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.8320% | 2,911 |
| Net loans and leases to deposits | 79.8196% | 2,742 |
| Net loans and leases to core deposits | 80.7971% | 3,209 |
| Total domestic deposits to total assets | 82.4759% | 4,260 |
| Equity capital to assets | 10.3351% | 3,681 |
| Core capital (leverage) ratio | 10.1078% | 3,429 |
| Tier 1 risk-based capital ratio | 13.8517% | 4,207 |
| Total risk-based capital ratio | 14.9220% | 4,248 |
| Memoranda: | ||
| Average total assets | $335,790,400 | 1,934 |
| Average earning assets | $316,138,600 | 1,897 |
| Average equity | $33,036,600 | 2,112 |
| Average total loans | $212,255,000 | 1,958 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 5,423 |
| Cost of funding earning assets | 0.3843% | 3,966 |
| Net interest margin | 3.1034% | 5,247 |
| Noninterest income to average assets | 2.0233% | 340 |
| Noninterest expense to average assets | 3.1604% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2310% | 1,578 |
| Return on assets (ROA) | 1.2382% | 1,614 |
| Pretax return on assets | 1.7900% | 913 |
| Return on Equity (ROE) | 12.7513% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.7513% | 351 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9761% | 4,545 |
| Assets per employee ($millions) | 6.5872% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,444 |
| Loan loss allowance to noncurrent loans | 58,220.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 6,208 |
| Noncurrent loans to loans | 0.0023% | 6,047 |
| Net loans and leases to total assets | 63.7337% | 3,225 |
| Net loans and leases to deposits | 79.2359% | 2,817 |
| Net loans and leases to core deposits | 81.2646% | 3,177 |
| Total domestic deposits to total assets | 80.4354% | 4,981 |
| Equity capital to assets | 10.2587% | 3,848 |
| Core capital (leverage) ratio | 10.5070% | 3,032 |
| Tier 1 risk-based capital ratio | 15.1727% | 3,495 |
| Total risk-based capital ratio | 16.4230% | 3,429 |
| Memoranda: | ||
| Average total assets | $333,700,750 | 1,960 |
| Average earning assets | $313,626,500 | 1,919 |
| Average equity | $32,403,750 | 2,149 |
| Average total loans | $207,995,500 | 1,997 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 5,494 |
| Cost of funding earning assets | 0.3782% | 4,124 |
| Net interest margin | 3.0839% | 5,307 |
| Noninterest income to average assets | 1.9709% | 356 |
| Noninterest expense to average assets | 3.1080% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2068% | 1,564 |
| Return on assets (ROA) | 1.2068% | 1,628 |
| Pretax return on assets | 1.7624% | 912 |
| Return on Equity (ROE) | 12.6683% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.6683% | 367 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8135% | 4,723 |
| Assets per employee ($millions) | 7.5623% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.9151% | 3,576 |
| Net loans and leases to deposits | 75.5320% | 3,120 |
| Net loans and leases to core deposits | 76.3672% | 3,593 |
| Total domestic deposits to total assets | 80.6481% | 5,083 |
| Equity capital to assets | 10.0336% | 4,058 |
| Core capital (leverage) ratio | 9.9543% | 3,673 |
| Tier 1 risk-based capital ratio | 15.0080% | 3,641 |
| Total risk-based capital ratio | 16.2587% | 3,584 |
| Memoranda: | ||
| Average total assets | $332,951,670 | 1,964 |
| Average earning assets | $313,047,330 | 1,919 |
| Average equity | $31,717,000 | 2,172 |
| Average total loans | $204,986,330 | 2,016 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 5,579 |
| Cost of funding earning assets | 0.3824% | 4,167 |
| Net interest margin | 3.0501% | 5,383 |
| Noninterest income to average assets | 1.8796% | 375 |
| Noninterest expense to average assets | 3.0914% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1289% | 1,702 |
| Return on assets (ROA) | 1.1289% | 1,768 |
| Pretax return on assets | 1.6526% | 1,070 |
| Return on Equity (ROE) | 12.1752% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.1752% | 586 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1646% | 4,664 |
| Assets per employee ($millions) | 7.6800% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 3,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 58.4527% | 3,771 |
| Net loans and leases to deposits | 68.9265% | 3,749 |
| Net loans and leases to core deposits | 69.8693% | 4,110 |
| Total domestic deposits to total assets | 84.8044% | 3,955 |
| Equity capital to assets | 9.3667% | 4,675 |
| Core capital (leverage) ratio | 9.7255% | 3,962 |
| Tier 1 risk-based capital ratio | 15.1987% | 3,616 |
| Total risk-based capital ratio | 16.4502% | 3,569 |
| Memoranda: | ||
| Average total assets | $333,056,500 | 1,971 |
| Average earning assets | $312,776,000 | 1,926 |
| Average equity | $30,882,500 | 2,217 |
| Average total loans | $204,679,000 | 2,016 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 5,016 |
| Cost of funding earning assets | 0.4263% | 4,365 |
| Net interest margin | 3.3099% | 4,629 |
| Noninterest income to average assets | 1.8477% | 443 |
| Noninterest expense to average assets | 3.2712% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1620% | 1,714 |
| Return on assets (ROA) | 1.1663% | 1,751 |
| Pretax return on assets | 1.6947% | 966 |
| Return on Equity (ROE) | 12.1993% | 1,356 |
| Retained earnings to average equity (ytd only) | 10.6667% | 472 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9555% | 4,569 |
| Assets per employee ($millions) | 8.2048% | 429 |
| Cash dividends to net income (ytd only)* | 12.5628% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,686 |
| Loan loss allowance to noncurrent loans | 898.4568% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 6,041 |
| Noncurrent loans to loans | 0.1551% | 5,728 |
| Net loans and leases to total assets | 62.7718% | 3,239 |
| Net loans and leases to deposits | 73.3873% | 3,347 |
| Net loans and leases to core deposits | 76.3783% | 3,569 |
| Total domestic deposits to total assets | 85.5350% | 3,491 |
| Equity capital to assets | 9.1754% | 4,836 |
| Core capital (leverage) ratio | 9.9538% | 3,639 |
| Tier 1 risk-based capital ratio | 14.2991% | 4,082 |
| Total risk-based capital ratio | 15.5501% | 4,026 |
| Memoranda: | ||
| Average total assets | $307,136,400 | 2,102 |
| Average earning assets | $288,767,200 | 2,054 |
| Average equity | $29,362,400 | 2,289 |
| Average total loans | $197,110,800 | 2,026 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,991 |
| Cost of funding earning assets | 0.4428% | 4,354 |
| Net interest margin | 3.3196% | 4,573 |
| Noninterest income to average assets | 1.8162% | 475 |
| Noninterest expense to average assets | 3.2481% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1731% | 1,729 |
| Return on assets (ROA) | 1.1810% | 1,767 |
| Pretax return on assets | 1.7022% | 1,094 |
| Return on Equity (ROE) | 12.2203% | 1,412 |
| Retained earnings to average equity (ytd only) | 11.1920% | 540 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7664% | 4,527 |
| Assets per employee ($millions) | 7.4573% | 594 |
| Cash dividends to net income (ytd only)* | 8.4143% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 3,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 66.0829% | 2,623 |
| Net loans and leases to deposits | 78.2981% | 2,613 |
| Net loans and leases to core deposits | 82.3450% | 2,842 |
| Total domestic deposits to total assets | 84.3991% | 4,027 |
| Equity capital to assets | 9.7314% | 4,263 |
| Core capital (leverage) ratio | 10.0924% | 3,534 |
| Tier 1 risk-based capital ratio | 14.3923% | 4,153 |
| Total risk-based capital ratio | 15.6435% | 4,109 |
| Memoranda: | ||
| Average total assets | $301,872,500 | 2,150 |
| Average earning assets | $283,963,500 | 2,099 |
| Average equity | $29,174,750 | 2,325 |
| Average total loans | $194,157,750 | 2,060 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 5,119 |
| Cost of funding earning assets | 0.4579% | 4,342 |
| Net interest margin | 3.2500% | 4,770 |
| Noninterest income to average assets | 1.7879% | 522 |
| Noninterest expense to average assets | 3.3555% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0058% | 2,308 |
| Return on assets (ROA) | 1.0174% | 2,379 |
| Pretax return on assets | 1.5097% | 1,589 |
| Return on Equity (ROE) | 10.5515% | 1,994 |
| Retained earnings to average equity (ytd only) | 8.9988% | 1,119 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2149% | 3,975 |
| Assets per employee ($millions) | 7.6751% | 518 |
| Cash dividends to net income (ytd only)* | 14.7155% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 3,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 63.7214% | 2,962 |
| Net loans and leases to deposits | 75.5154% | 2,944 |
| Net loans and leases to core deposits | 79.7758% | 3,051 |
| Total domestic deposits to total assets | 84.3820% | 4,172 |
| Equity capital to assets | 9.5871% | 4,467 |
| Core capital (leverage) ratio | 9.6884% | 3,951 |
| Tier 1 risk-based capital ratio | 14.5659% | 4,055 |
| Total risk-based capital ratio | 15.8184% | 4,023 |
| Memoranda: | ||
| Average total assets | $300,579,670 | 2,161 |
| Average earning assets | $283,018,670 | 2,108 |
| Average equity | $28,981,670 | 2,344 |
| Average total loans | $190,557,000 | 2,098 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 5,230 |
| Cost of funding earning assets | 0.4618% | 4,463 |
| Net interest margin | 3.2184% | 4,852 |
| Noninterest income to average assets | 1.7848% | 508 |
| Noninterest expense to average assets | 3.4515% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9292% | 2,528 |
| Return on assets (ROA) | 0.9508% | 2,582 |
| Pretax return on assets | 1.3917% | 1,885 |
| Return on Equity (ROE) | 9.8338% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.8338% | 1,149 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7361% | 3,663 |
| Assets per employee ($millions) | 7.3769% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 60.9783% | 3,252 |
| Net loans and leases to deposits | 72.2009% | 3,158 |
| Net loans and leases to core deposits | 76.0646% | 3,315 |
| Total domestic deposits to total assets | 84.4564% | 4,283 |
| Equity capital to assets | 9.7199% | 4,536 |
| Core capital (leverage) ratio | 9.6774% | 3,822 |
| Tier 1 risk-based capital ratio | 14.5076% | 4,171 |
| Total risk-based capital ratio | 15.7604% | 4,135 |
| Memoranda: | ||
| Average total assets | $301,205,500 | 2,181 |
| Average earning assets | $283,249,500 | 2,130 |
| Average equity | $29,124,000 | 2,364 |
| Average total loans | $189,012,000 | 2,124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 5,189 |
| Cost of funding earning assets | 0.5880% | 4,464 |
| Net interest margin | 3.4517% | 4,697 |
| Noninterest income to average assets | 1.7588% | 528 |
| Noninterest expense to average assets | 3.4046% | 2,033 |
| Loan and lease loss provision to assets | 0.1360% | 3,920 |
| Net operating income to assets | 1.0531% | 2,109 |
| Return on assets (ROA) | 1.0823% | 2,190 |
| Pretax return on assets | 1.5482% | 1,524 |
| Return on Equity (ROE) | 10.7682% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.7682% | 466 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4568% | 4,239 |
| Assets per employee ($millions) | 6.9758% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,637 |
| Loan loss allowance to noncurrent loans | 6,769.7674% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,644 |
| Noncurrent loans to loans | 0.0226% | 6,473 |
| Net loans and leases to total assets | 62.5992% | 3,149 |
| Net loans and leases to deposits | 74.4722% | 3,031 |
| Net loans and leases to core deposits | 77.4621% | 3,341 |
| Total domestic deposits to total assets | 84.0572% | 4,289 |
| Equity capital to assets | 9.6180% | 4,716 |
| Core capital (leverage) ratio | 9.5017% | 4,100 |
| Tier 1 risk-based capital ratio | 14.1375% | 4,287 |
| Total risk-based capital ratio | 15.3901% | 4,241 |
| Memoranda: | ||
| Average total assets | $268,314,600 | 2,360 |
| Average earning assets | $255,616,000 | 2,271 |
| Average equity | $26,968,200 | 2,482 |
| Average total loans | $176,210,400 | 2,246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 5,143 |
| Cost of funding earning assets | 0.5549% | 5,046 |
| Net interest margin | 3.5583% | 4,405 |
| Noninterest income to average assets | 1.7885% | 499 |
| Noninterest expense to average assets | 3.5114% | 1,732 |
| Loan and lease loss provision to assets | 0.0681% | 4,832 |
| Net operating income to assets | 1.0322% | 2,360 |
| Return on assets (ROA) | 1.0558% | 2,477 |
| Pretax return on assets | 1.6441% | 1,435 |
| Return on Equity (ROE) | 10.3754% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.3754% | 819 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6999% | 4,129 |
| Assets per employee ($millions) | 6.6050% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,781 |
| Loan loss allowance to noncurrent loans | 6,232.5581% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 6,738 |
| Noncurrent loans to loans | 0.0247% | 6,571 |
| Net loans and leases to total assets | 61.8393% | 3,411 |
| Net loans and leases to deposits | 76.1276% | 2,966 |
| Net loans and leases to core deposits | 80.2617% | 3,174 |
| Total domestic deposits to total assets | 81.2311% | 5,288 |
| Equity capital to assets | 10.1049% | 4,350 |
| Core capital (leverage) ratio | 9.6764% | 3,999 |
| Tier 1 risk-based capital ratio | 14.6155% | 4,106 |
| Total risk-based capital ratio | 15.8713% | 4,070 |
| Memoranda: | ||
| Average total assets | $260,403,500 | 2,455 |
| Average earning assets | $248,686,000 | 2,360 |
| Average equity | $26,497,750 | 2,545 |
| Average total loans | $172,592,250 | 2,318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 5,257 |
| Cost of funding earning assets | 0.5639% | 5,193 |
| Net interest margin | 3.5530% | 4,453 |
| Noninterest income to average assets | 1.7438% | 504 |
| Noninterest expense to average assets | 3.5574% | 1,666 |
| Loan and lease loss provision to assets | 0.1052% | 4,212 |
| Net operating income to assets | 0.9539% | 2,647 |
| Return on assets (ROA) | 0.9539% | 2,895 |
| Pretax return on assets | 1.4847% | 1,896 |
| Return on Equity (ROE) | 9.3511% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.3511% | 1,159 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1123% | 3,913 |
| Assets per employee ($millions) | 6.8084% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.0907% | 3,014 |
| Net loans and leases to deposits | 76.7980% | 2,872 |
| Net loans and leases to core deposits | 79.6428% | 3,262 |
| Total domestic deposits to total assets | 83.4535% | 4,554 |
| Equity capital to assets | 9.8279% | 4,580 |
| Core capital (leverage) ratio | 9.8844% | 3,601 |
| Tier 1 risk-based capital ratio | 14.2339% | 4,279 |
| Total risk-based capital ratio | 15.4866% | 4,249 |
| Memoranda: | ||
| Average total assets | $254,734,330 | 2,502 |
| Average earning assets | $244,016,330 | 2,407 |
| Average equity | $25,986,330 | 2,571 |
| Average total loans | $172,046,670 | 2,328 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 5,035 |
| Cost of funding earning assets | 0.5884% | 5,224 |
| Net interest margin | 3.6323% | 4,118 |
| Noninterest income to average assets | 1.7452% | 502 |
| Noninterest expense to average assets | 3.7620% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9433% | 2,727 |
| Return on assets (ROA) | 0.9433% | 2,937 |
| Pretax return on assets | 1.4671% | 1,975 |
| Return on Equity (ROE) | 9.0636% | 2,797 |
| Retained earnings to average equity (ytd only) | 9.0636% | 1,568 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9440% | 3,459 |
| Assets per employee ($millions) | 6.2627% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 4,130 |
| Loan loss allowance to noncurrent loans | 2,121.6667% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 6,780 |
| Noncurrent loans to loans | 0.0709% | 6,576 |
| Net loans and leases to total assets | 66.5480% | 2,372 |
| Net loans and leases to deposits | 81.3873% | 2,007 |
| Net loans and leases to core deposits | 85.4597% | 2,351 |
| Total domestic deposits to total assets | 81.7670% | 5,370 |
| Equity capital to assets | 10.3406% | 3,683 |
| Core capital (leverage) ratio | 10.4177% | 2,850 |
| Tier 1 risk-based capital ratio | 14.7600% | 3,919 |
| Total risk-based capital ratio | 16.0126% | 3,877 |
| Memoranda: | ||
| Average total assets | $245,933,500 | 2,598 |
| Average earning assets | $235,886,500 | 2,484 |
| Average equity | $25,597,000 | 2,612 |
| Average total loans | $169,459,000 | 2,369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 4,959 |
| Cost of funding earning assets | 0.7668% | 5,085 |
| Net interest margin | 3.7626% | 4,019 |
| Noninterest income to average assets | 1.7213% | 479 |
| Noninterest expense to average assets | 3.7110% | 1,519 |
| Loan and lease loss provision to assets | 0.1582% | 4,654 |
| Net operating income to assets | 0.9039% | 2,582 |
| Return on assets (ROA) | 0.9039% | 2,714 |
| Pretax return on assets | 1.4236% | 1,701 |
| Return on Equity (ROE) | 8.4987% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.4987% | 924 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1137% | 3,927 |
| Assets per employee ($millions) | 6.3516% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 4,023 |
| Loan loss allowance to noncurrent loans | 2,121.6667% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 6,837 |
| Noncurrent loans to loans | 0.0707% | 6,640 |
| Net loans and leases to total assets | 69.2404% | 2,169 |
| Net loans and leases to deposits | 84.5572% | 1,852 |
| Net loans and leases to core deposits | 89.7027% | 2,165 |
| Total domestic deposits to total assets | 81.8859% | 5,167 |
| Equity capital to assets | 10.4782% | 3,559 |
| Core capital (leverage) ratio | 10.0228% | 3,310 |
| Tier 1 risk-based capital ratio | 14.6273% | 3,879 |
| Total risk-based capital ratio | 15.8800% | 3,858 |
| Memoranda: | ||
| Average total assets | $224,359,200 | 2,792 |
| Average earning assets | $212,962,200 | 2,697 |
| Average equity | $23,862,600 | 2,680 |
| Average total loans | $162,890,400 | 2,461 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 4,991 |
| Cost of funding earning assets | 0.8127% | 5,069 |
| Net interest margin | 3.7601% | 4,060 |
| Noninterest income to average assets | 1.7191% | 472 |
| Noninterest expense to average assets | 3.7102% | 1,477 |
| Loan and lease loss provision to assets | 0.2150% | 3,868 |
| Net operating income to assets | 0.8541% | 2,921 |
| Return on assets (ROA) | 0.8541% | 3,077 |
| Pretax return on assets | 1.3502% | 2,114 |
| Return on Equity (ROE) | 7.9978% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.9978% | 1,507 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3295% | 3,901 |
| Assets per employee ($millions) | 5.9745% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 4,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.5974% | 1,393 |
| Net loans and leases to deposits | 89.2748% | 1,291 |
| Net loans and leases to core deposits | 94.9951% | 1,699 |
| Total domestic deposits to total assets | 82.4392% | 4,904 |
| Equity capital to assets | 10.5302% | 3,668 |
| Core capital (leverage) ratio | 10.4688% | 2,902 |
| Tier 1 risk-based capital ratio | 14.1715% | 4,222 |
| Total risk-based capital ratio | 15.4242% | 4,185 |
| Memoranda: | ||
| Average total assets | $220,109,250 | 2,838 |
| Average earning assets | $208,180,250 | 2,754 |
| Average equity | $23,505,750 | 2,726 |
| Average total loans | $161,197,000 | 2,493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 5,018 |
| Cost of funding earning assets | 0.8527% | 5,044 |
| Net interest margin | 3.7351% | 4,097 |
| Noninterest income to average assets | 1.7228% | 454 |
| Noninterest expense to average assets | 3.7413% | 1,461 |
| Loan and lease loss provision to assets | 0.2817% | 3,127 |
| Net operating income to assets | 0.7627% | 3,235 |
| Return on assets (ROA) | 0.7627% | 3,365 |
| Pretax return on assets | 1.2113% | 2,436 |
| Return on Equity (ROE) | 7.1064% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.1064% | 1,827 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4766% | 3,827 |
| Assets per employee ($millions) | 5.8172% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 3,969 |
| Loan loss allowance to noncurrent loans | 854.4521% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 6,758 |
| Noncurrent loans to loans | 0.1795% | 6,542 |
| Net loans and leases to total assets | 72.4758% | 1,692 |
| Net loans and leases to deposits | 88.0139% | 1,498 |
| Net loans and leases to core deposits | 93.7070% | 1,935 |
| Total domestic deposits to total assets | 82.3459% | 5,045 |
| Equity capital to assets | 10.7350% | 3,247 |
| Core capital (leverage) ratio | 10.5288% | 2,685 |
| Tier 1 risk-based capital ratio | 14.7758% | 3,630 |
| Total risk-based capital ratio | 16.0296% | 3,596 |
| Memoranda: | ||
| Average total assets | $215,810,000 | 2,903 |
| Average earning assets | $202,884,670 | 2,834 |
| Average equity | $23,162,330 | 2,747 |
| Average total loans | $156,918,330 | 2,584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 5,320 |
| Cost of funding earning assets | 0.8847% | 5,034 |
| Net interest margin | 3.6206% | 4,481 |
| Noninterest income to average assets | 1.7112% | 465 |
| Noninterest expense to average assets | 3.9608% | 1,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7242% | 3,408 |
| Return on assets (ROA) | 0.7242% | 3,471 |
| Pretax return on assets | 1.1520% | 2,553 |
| Return on Equity (ROE) | 6.7487% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,260 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4679% | 2,919 |
| Assets per employee ($millions) | 5.6374% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.2006% | 2,091 |
| Net loans and leases to deposits | 84.7836% | 1,911 |
| Net loans and leases to core deposits | 90.7648% | 2,268 |
| Total domestic deposits to total assets | 82.7997% | 4,995 |
| Equity capital to assets | 10.4991% | 3,176 |
| Core capital (leverage) ratio | 10.5113% | 2,599 |
| Tier 1 risk-based capital ratio | 14.8172% | 3,529 |
| Total risk-based capital ratio | 16.0720% | 3,489 |
| Memoranda: | ||
| Average total assets | $213,188,500 | 2,956 |
| Average earning assets | $200,298,500 | 2,884 |
| Average equity | $22,878,500 | 2,761 |
| Average total loans | $154,025,000 | 2,644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 6,226 |
| Cost of funding earning assets | 1.0350% | 5,514 |
| Net interest margin | 3.5223% | 5,151 |
| Noninterest income to average assets | 1.6305% | 553 |
| Noninterest expense to average assets | 3.7309% | 1,627 |
| Loan and lease loss provision to assets | 0.2017% | 5,222 |
| Net operating income to assets | 0.6383% | 3,495 |
| Return on assets (ROA) | 0.6646% | 3,510 |
| Pretax return on assets | 1.0769% | 2,672 |
| Return on Equity (ROE) | 6.1169% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.1169% | 1,757 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0923% | 3,190 |
| Assets per employee ($millions) | 5.4347% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.3063% | 2,028 |
| Net loans and leases to deposits | 89.2405% | 1,617 |
| Net loans and leases to core deposits | 96.3288% | 1,969 |
| Total domestic deposits to total assets | 81.0241% | 5,515 |
| Equity capital to assets | 10.9791% | 2,704 |
| Core capital (leverage) ratio | 9.9875% | 3,109 |
| Tier 1 risk-based capital ratio | 14.4409% | 3,592 |
| Total risk-based capital ratio | 15.6930% | 3,543 |
| Memoranda: | ||
| Average total assets | $201,773,800 | 3,077 |
| Average earning assets | $191,208,800 | 2,982 |
| Average equity | $21,922,800 | 2,887 |
| Average total loans | $151,664,800 | 2,743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 6,502 |
| Cost of funding earning assets | 1.0464% | 5,713 |
| Net interest margin | 3.4924% | 5,323 |
| Noninterest income to average assets | 1.5767% | 561 |
| Noninterest expense to average assets | 3.6751% | 1,623 |
| Loan and lease loss provision to assets | 0.2705% | 4,421 |
| Net operating income to assets | 0.5756% | 3,981 |
| Return on assets (ROA) | 0.6109% | 4,001 |
| Pretax return on assets | 0.9917% | 3,213 |
| Return on Equity (ROE) | 5.6375% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.6375% | 2,574 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2757% | 3,086 |
| Assets per employee ($millions) | 6.1963% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 72.3603% | 2,179 |
| Net loans and leases to deposits | 88.5938% | 1,928 |
| Net loans and leases to core deposits | 101.6617% | 1,690 |
| Total domestic deposits to total assets | 81.6765% | 5,139 |
| Equity capital to assets | 10.3385% | 3,720 |
| Core capital (leverage) ratio | 10.2945% | 2,928 |
| Tier 1 risk-based capital ratio | 13.6428% | 4,087 |
| Total risk-based capital ratio | 14.8936% | 4,038 |
| Memoranda: | ||
| Average total assets | $200,587,250 | 3,128 |
| Average earning assets | $189,852,750 | 3,048 |
| Average equity | $21,735,000 | 2,952 |
| Average total loans | $151,701,500 | 2,782 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 6,823 |
| Cost of funding earning assets | 1.0366% | 5,977 |
| Net interest margin | 3.4018% | 5,640 |
| Noninterest income to average assets | 1.4849% | 580 |
| Noninterest expense to average assets | 3.5970% | 1,791 |
| Loan and lease loss provision to assets | 0.4171% | 3,235 |
| Net operating income to assets | 0.4316% | 4,617 |
| Return on assets (ROA) | 0.4755% | 4,590 |
| Pretax return on assets | 0.7747% | 3,968 |
| Return on Equity (ROE) | 4.3150% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.3150% | 3,333 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2050% | 3,039 |
| Assets per employee ($millions) | 6.4438% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 4,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 75.9071% | 1,509 |
| Net loans and leases to deposits | 89.5043% | 1,934 |
| Net loans and leases to core deposits | 104.3347% | 1,610 |
| Total domestic deposits to total assets | 84.8084% | 3,723 |
| Equity capital to assets | 10.2857% | 3,668 |
| Core capital (leverage) ratio | 10.6492% | 2,499 |
| Tier 1 risk-based capital ratio | 12.9673% | 4,477 |
| Total risk-based capital ratio | 14.2181% | 4,434 |
| Memoranda: | ||
| Average total assets | $195,160,000 | 3,236 |
| Average earning assets | $185,607,670 | 3,124 |
| Average equity | $21,506,330 | 2,976 |
| Average total loans | $149,229,330 | 2,851 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 7,050 |
| Cost of funding earning assets | 1.0414% | 6,165 |
| Net interest margin | 3.3195% | 5,901 |
| Noninterest income to average assets | 1.3368% | 674 |
| Noninterest expense to average assets | 3.6091% | 1,717 |
| Loan and lease loss provision to assets | 0.3412% | 3,337 |
| Net operating income to assets | 0.3414% | 5,121 |
| Return on assets (ROA) | 0.4334% | 4,828 |
| Pretax return on assets | 0.7038% | 4,219 |
| Return on Equity (ROE) | 3.7892% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.7892% | 3,869 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0190% | 2,562 |
| Assets per employee ($millions) | 6.1100% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 76.8962% | 1,350 |
| Net loans and leases to deposits | 92.9050% | 1,485 |
| Net loans and leases to core deposits | 111.4368% | 1,193 |
| Total domestic deposits to total assets | 82.7686% | 4,729 |
| Equity capital to assets | 11.3278% | 2,482 |
| Core capital (leverage) ratio | 11.5288% | 1,894 |
| Tier 1 risk-based capital ratio | 14.3305% | 3,475 |
| Total risk-based capital ratio | 15.5876% | 3,436 |
| Memoranda: | ||
| Average total assets | $186,418,000 | 3,415 |
| Average earning assets | $178,217,500 | 3,280 |
| Average equity | $21,323,500 | 3,030 |
| Average total loans | $142,042,500 | 3,036 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 7,422 |
| Cost of funding earning assets | 1.2359% | 6,523 |
| Net interest margin | 3.2184% | 6,028 |
| Noninterest income to average assets | 1.6259% | 547 |
| Noninterest expense to average assets | 3.8801% | 1,541 |
| Loan and lease loss provision to assets | 0.1110% | 6,536 |
| Net operating income to assets | 0.4141% | 4,072 |
| Return on assets (ROA) | 0.4141% | 4,180 |
| Pretax return on assets | 0.6832% | 3,631 |
| Return on Equity (ROE) | 3.3281% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.3281% | 2,842 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0100% | 2,475 |
| Assets per employee ($millions) | 5.9170% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 4,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.4405% | 2,396 |
| Net loans and leases to deposits | 86.7775% | 2,778 |
| Net loans and leases to core deposits | 123.9524% | 1,639 |
| Total domestic deposits to total assets | 84.6309% | 3,738 |
| Equity capital to assets | 11.5529% | 2,278 |
| Core capital (leverage) ratio | 12.1398% | 1,606 |
| Tier 1 risk-based capital ratio | 14.7494% | 3,078 |
| Total risk-based capital ratio | 15.9897% | 3,038 |
| Memoranda: | ||
| Average total assets | $167,597,800 | 3,649 |
| Average earning assets | $158,744,400 | 3,541 |
| Average equity | $20,853,000 | 3,090 |
| Average total loans | $132,254,000 | 3,224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 7,487 |
| Cost of funding earning assets | 1.2909% | 6,583 |
| Net interest margin | 3.2321% | 5,907 |
| Noninterest income to average assets | 1.6410% | 543 |
| Noninterest expense to average assets | 3.9484% | 1,354 |
| Loan and lease loss provision to assets | 0.0627% | 6,732 |
| Net operating income to assets | 0.4261% | 4,296 |
| Return on assets (ROA) | 0.4261% | 4,401 |
| Pretax return on assets | 0.6795% | 3,929 |
| Return on Equity (ROE) | 3.3576% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.3576% | 3,427 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1758% | 2,273 |
| Assets per employee ($millions) | 5.1850% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 6,005 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.6475% | 1,457 |
| Net loans and leases to deposits | 95.1517% | 1,690 |
| Net loans and leases to core deposits | 130.6462% | 1,395 |
| Total domestic deposits to total assets | 82.6549% | 4,376 |
| Equity capital to assets | 12.6808% | 1,840 |
| Core capital (leverage) ratio | 12.8995% | 1,409 |
| Tier 1 risk-based capital ratio | 15.5413% | 2,800 |
| Total risk-based capital ratio | 16.7798% | 2,748 |
| Memoranda: | ||
| Average total assets | $163,640,750 | 3,732 |
| Average earning assets | $154,404,250 | 3,646 |
| Average equity | $20,768,500 | 3,128 |
| Average total loans | $131,194,250 | 3,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 7,677 |
| Cost of funding earning assets | 1.3449% | 6,666 |
| Net interest margin | 3.0965% | 6,254 |
| Noninterest income to average assets | 1.5803% | 604 |
| Noninterest expense to average assets | 3.9550% | 1,390 |
| Loan and lease loss provision to assets | 0.0724% | 6,473 |
| Net operating income to assets | 0.3008% | 4,894 |
| Return on assets (ROA) | 0.3008% | 5,010 |
| Pretax return on assets | 0.5071% | 4,598 |
| Return on Equity (ROE) | 2.3697% | 5,149 |
| Retained earnings to average equity (ytd only) | 2.3697% | 4,015 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2191% | 2,105 |
| Assets per employee ($millions) | 5.2491% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 4,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 6,005 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 78.2577% | 1,686 |
| Net loans and leases to deposits | 95.0182% | 1,951 |
| Net loans and leases to core deposits | 126.8024% | 1,796 |
| Total domestic deposits to total assets | 82.3608% | 4,538 |
| Equity capital to assets | 12.4021% | 1,974 |
| Core capital (leverage) ratio | 12.5652% | 1,592 |
| Tier 1 risk-based capital ratio | 15.2650% | 2,897 |
| Total risk-based capital ratio | 16.4802% | 2,855 |
| Memoranda: | ||
| Average total assets | $162,881,000 | 3,760 |
| Average earning assets | $155,399,670 | 3,644 |
| Average equity | $20,678,000 | 3,150 |
| Average total loans | $130,870,000 | 3,322 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 7,799 |
| Cost of funding earning assets | 1.4416% | 6,609 |
| Net interest margin | 2.9541% | 6,601 |
| Noninterest income to average assets | 1.5967% | 539 |
| Noninterest expense to average assets | 3.8195% | 1,437 |
| Loan and lease loss provision to assets | 0.0723% | 6,055 |
| Net operating income to assets | 0.3069% | 5,270 |
| Return on assets (ROA) | 0.3069% | 5,445 |
| Pretax return on assets | 0.5164% | 5,030 |
| Return on Equity (ROE) | 2.3882% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.3882% | 4,548 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6440% | 2,005 |
| Assets per employee ($millions) | 5.4575% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,548 |
| Loan loss allowance to noncurrent loans | 135.5833% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 4,043 |
| Noncurrent loans to loans | 0.9112% | 5,179 |
| Net loans and leases to total assets | 79.4399% | 1,487 |
| Net loans and leases to deposits | 95.5411% | 2,023 |
| Net loans and leases to core deposits | 121.6713% | 2,280 |
| Total domestic deposits to total assets | 83.1474% | 4,069 |
| Equity capital to assets | 12.6315% | 1,915 |
| Core capital (leverage) ratio | 12.5921% | 1,652 |
| Tier 1 risk-based capital ratio | 15.3290% | 2,927 |
| Total risk-based capital ratio | 16.5361% | 2,886 |
| Memoranda: | ||
| Average total assets | $160,335,500 | 3,827 |
| Average earning assets | $152,604,000 | 3,702 |
| Average equity | $20,601,000 | 3,166 |
| Average total loans | $129,751,000 | 3,368 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1098% | 7,764 |
| Cost of funding earning assets | 2.0607% | 6,193 |
| Net interest margin | 3.0491% | 6,794 |
| Noninterest income to average assets | 1.6539% | 504 |
| Noninterest expense to average assets | 3.9173% | 1,533 |
| Loan and lease loss provision to assets | 0.3290% | 3,759 |
| Net operating income to assets | 0.1774% | 5,917 |
| Return on assets (ROA) | 0.1276% | 5,876 |
| Pretax return on assets | 0.2375% | 5,651 |
| Return on Equity (ROE) | 0.9125% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.9125% | 4,680 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8746% | 1,864 |
| Assets per employee ($millions) | 4.7559% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,126 |
| Loan loss allowance to noncurrent loans | 168.1388% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 5,381 |
| Noncurrent loans to loans | 0.7441% | 5,170 |
| Net loans and leases to total assets | 80.4181% | 1,569 |
| Net loans and leases to deposits | 97.0735% | 2,282 |
| Net loans and leases to core deposits | 118.5199% | 2,832 |
| Total domestic deposits to total assets | 82.8425% | 3,831 |
| Equity capital to assets | 13.0752% | 1,754 |
| Core capital (leverage) ratio | 13.1727% | 1,490 |
| Tier 1 risk-based capital ratio | 15.3973% | 2,879 |
| Total risk-based capital ratio | 16.5972% | 2,837 |
| Memoranda: | ||
| Average total assets | $146,503,400 | 3,962 |
| Average earning assets | $139,711,800 | 3,855 |
| Average equity | $20,494,000 | 3,157 |
| Average total loans | $110,684,800 | 3,661 |