Home > American Plus Bank, N.A. > Performance and Condition Ratios
American Plus Bank, N.A., 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 | 7.0067% | 221 |
| Cost of funding earning assets | 3.1680% | 117 |
| Net interest margin | 3.8387% | 1,491 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.3502% | 4,414 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7421% | 674 |
| Return on assets (ROA) | 1.7421% | 644 |
| Pretax return on assets | 2.4435% | 357 |
| Return on Equity (ROE) | 9.9500% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.5555% | 1,379 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.2144% | 4,449 |
| Assets per employee ($millions) | 14.9613% | 214 |
| Cash dividends to net income (ytd only)* | 13.9852% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,216 |
| Loan loss allowance to noncurrent loans | 374.8543% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 1,623 |
| Noncurrent loans to loans | 0.3858% | 1,827 |
| Net loans and leases to total assets | 84.6500% | 228 |
| Net loans and leases to deposits | 104.9980% | 323 |
| Net loans and leases to core deposits | 148.2270% | 217 |
| Total domestic deposits to total assets | 80.6200% | 3,367 |
| Equity capital to assets | 18.0006% | 346 |
| Core capital (leverage) ratio | 17.8901% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $660,412,000 | 1,365 |
| Average earning assets | $628,755,200 | 1,325 |
| Average equity | $115,668,400 | 853 |
| Average total loans | $567,215,000 | 1,124 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8910% | 214 |
| Cost of funding earning assets | 2.9573% | 125 |
| Net interest margin | 3.9337% | 1,333 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.3698% | 4,414 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.8135% | 651 |
| Return on assets (ROA) | 1.8135% | 645 |
| Pretax return on assets | 2.5506% | 361 |
| Return on Equity (ROE) | 10.4300% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.5513% | 1,803 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 34.6897% | 4,466 |
| Assets per employee ($millions) | 14.8985% | 206 |
| Cash dividends to net income (ytd only)* | 17.9998% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,309 |
| 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 | 84.8000% | 226 |
| Net loans and leases to deposits | 105.5598% | 300 |
| Net loans and leases to core deposits | 157.7445% | 116 |
| Total domestic deposits to total assets | 80.3300% | 3,485 |
| Equity capital to assets | 17.6702% | 363 |
| Core capital (leverage) ratio | 18.0806% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $657,200,750 | 1,366 |
| Average earning assets | $625,963,250 | 1,331 |
| Average equity | $114,288,000 | 853 |
| Average total loans | $564,447,750 | 1,125 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7622% | 206 |
| Cost of funding earning assets | 2.7894% | 111 |
| Net interest margin | 3.9728% | 1,289 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.3885% | 4,425 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7056% | 771 |
| Return on assets (ROA) | 1.7056% | 773 |
| Pretax return on assets | 2.3980% | 402 |
| Return on Equity (ROE) | 9.8600% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.0118% | 2,279 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 35.8771% | 4,477 |
| Assets per employee ($millions) | 14.5052% | 215 |
| Cash dividends to net income (ytd only)* | 28.9025% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,449 |
| 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 | 85.9800% | 153 |
| Net loans and leases to deposits | 106.0517% | 306 |
| Net loans and leases to core deposits | 153.9331% | 125 |
| Total domestic deposits to total assets | 81.0800% | 3,421 |
| Equity capital to assets | 17.2269% | 375 |
| Core capital (leverage) ratio | 17.8782% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $652,790,333 | 1,371 |
| Average earning assets | $622,786,000 | 1,337 |
| Average equity | $112,895,000 | 857 |
| Average total loans | $560,330,333 | 1,123 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6866% | 150 |
| Cost of funding earning assets | 2.6740% | 72 |
| Net interest margin | 4.0126% | 1,241 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.3600% | 4,500 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.7752% | 707 |
| Return on assets (ROA) | 1.7752% | 700 |
| Pretax return on assets | 2.4908% | 361 |
| Return on Equity (ROE) | 10.2400% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.4909% | 3,132 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.7145% | 4,562 |
| Assets per employee ($millions) | 13.7983% | 255 |
| Cash dividends to net income (ytd only)* | 56.1606% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.6500% | 260 |
| Net loans and leases to deposits | 102.4574% | 347 |
| Net loans and leases to core deposits | 144.6315% | 150 |
| Total domestic deposits to total assets | 81.6500% | 3,539 |
| Equity capital to assets | 17.3325% | 331 |
| Core capital (leverage) ratio | 17.2671% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $645,565,000 | 1,406 |
| Average earning assets | $617,654,500 | 1,368 |
| Average equity | $111,870,000 | 870 |
| Average total loans | $549,495,500 | 1,149 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1676% | 232 |
| Cost of funding earning assets | 0.8568% | 313 |
| Net interest margin | 4.3107% | 414 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.2468% | 4,587 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.0859% | 252 |
| Return on assets (ROA) | 2.0859% | 244 |
| Pretax return on assets | 2.9325% | 133 |
| Return on Equity (ROE) | 11.9000% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.5448% | 995 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 29.4417% | 4,658 |
| Assets per employee ($millions) | 13.9697% | 245 |
| Cash dividends to net income (ytd only)* | 11.3591% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,197 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 84.0300% | 250 |
| Net loans and leases to deposits | 102.3643% | 354 |
| Net loans and leases to core deposits | 145.5292% | 109 |
| Total domestic deposits to total assets | 82.0900% | 3,615 |
| Equity capital to assets | 17.3255% | 321 |
| Core capital (leverage) ratio | 18.2702% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $603,539,400 | 1,470 |
| Average earning assets | $576,423,600 | 1,434 |
| Average equity | $105,825,000 | 911 |
| Average total loans | $515,370,800 | 1,152 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 266 |
| Cost of funding earning assets | 0.5446% | 594 |
| Net interest margin | 4.2973% | 338 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.2002% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1482% | 229 |
| Return on assets (ROA) | 2.1482% | 227 |
| Pretax return on assets | 3.0186% | 133 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.3871% | 1,231 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 28.4490% | 4,699 |
| Assets per employee ($millions) | 14.4714% | 220 |
| Cash dividends to net income (ytd only)* | 14.9472% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 1,330 |
| 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 | 86.0800% | 117 |
| Net loans and leases to deposits | 106.3869% | 184 |
| Net loans and leases to core deposits | 144.2583% | 85 |
| Total domestic deposits to total assets | 80.9100% | 4,000 |
| Equity capital to assets | 17.8659% | 279 |
| Core capital (leverage) ratio | 18.1790% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $593,772,250 | 1,503 |
| Average earning assets | $566,788,000 | 1,463 |
| Average equity | $104,447,500 | 930 |
| Average total loans | $507,163,250 | 1,164 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 345 |
| Cost of funding earning assets | 0.3951% | 945 |
| Net interest margin | 4.1584% | 360 |
| Noninterest income to average assets | 0.1300% | 4,354 |
| Noninterest expense to average assets | 1.2130% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0570% | 204 |
| Return on assets (ROA) | 2.0570% | 208 |
| Pretax return on assets | 2.8865% | 113 |
| Return on Equity (ROE) | 11.7574% | 1,740 |
| Retained earnings to average equity (ytd only) | 8.9825% | 1,293 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5901% | 4,717 |
| Assets per employee ($millions) | 13.7707% | 248 |
| Cash dividends to net income (ytd only)* | 23.6013% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,342 |
| 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 | 86.0101% | 88 |
| Net loans and leases to deposits | 105.3764% | 140 |
| Net loans and leases to core deposits | 132.0945% | 112 |
| Total domestic deposits to total assets | 81.6218% | 4,062 |
| Equity capital to assets | 17.8034% | 232 |
| Core capital (leverage) ratio | 18.2304% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,096,333 | 1,526 |
| Average earning assets | $562,329,333 | 1,492 |
| Average equity | $103,067,000 | 948 |
| Average total loans | $499,183,667 | 1,171 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 387 |
| Cost of funding earning assets | 0.3652% | 1,094 |
| Net interest margin | 4.0237% | 398 |
| Noninterest income to average assets | 0.1048% | 4,484 |
| Noninterest expense to average assets | 1.3486% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8476% | 297 |
| Return on assets (ROA) | 1.8476% | 300 |
| Pretax return on assets | 2.5964% | 157 |
| Return on Equity (ROE) | 10.6546% | 1,745 |
| Retained earnings to average equity (ytd only) | 5.0407% | 2,581 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1846% | 4,713 |
| Assets per employee ($millions) | 13.5835% | 271 |
| Cash dividends to net income (ytd only)* | 52.6898% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 1,155 |
| 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 | 80.4990% | 221 |
| Net loans and leases to deposits | 99.0076% | 200 |
| Net loans and leases to core deposits | 123.5845% | 128 |
| Total domestic deposits to total assets | 81.3059% | 4,167 |
| Equity capital to assets | 17.5256% | 248 |
| Core capital (leverage) ratio | 17.4326% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $587,574,000 | 1,537 |
| Average earning assets | $560,775,500 | 1,501 |
| Average equity | $101,890,000 | 977 |
| Average total loans | $490,180,000 | 1,175 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 595 |
| Cost of funding earning assets | 0.4659% | 1,093 |
| Net interest margin | 4.0473% | 644 |
| Noninterest income to average assets | 0.6231% | 2,061 |
| Noninterest expense to average assets | 1.2777% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2722% | 213 |
| Return on assets (ROA) | 2.2722% | 222 |
| Pretax return on assets | 3.2049% | 120 |
| Return on Equity (ROE) | 14.0955% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.8470% | 414 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5035% | 4,798 |
| Assets per employee ($millions) | 13.4332% | 279 |
| Cash dividends to net income (ytd only)* | 8.8575% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,330 |
| 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 | 83.6455% | 122 |
| Net loans and leases to deposits | 101.9609% | 166 |
| Net loans and leases to core deposits | 132.8745% | 92 |
| Total domestic deposits to total assets | 82.0368% | 3,961 |
| Equity capital to assets | 17.1582% | 292 |
| Core capital (leverage) ratio | 17.1094% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $586,293,600 | 1,482 |
| Average earning assets | $559,091,200 | 1,456 |
| Average equity | $94,512,400 | 1,058 |
| Average total loans | $503,891,200 | 1,156 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 703 |
| Cost of funding earning assets | 0.4915% | 1,092 |
| Net interest margin | 3.9809% | 822 |
| Noninterest income to average assets | 0.5546% | 2,394 |
| Noninterest expense to average assets | 1.2590% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1915% | 331 |
| Return on assets (ROA) | 2.1915% | 349 |
| Pretax return on assets | 3.0904% | 161 |
| Return on Equity (ROE) | 13.8192% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.1236% | 813 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.9464% | 4,867 |
| Assets per employee ($millions) | 13.2732% | 283 |
| Cash dividends to net income (ytd only)* | 12.2699% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 85.8190% | 70 |
| Net loans and leases to deposits | 103.9854% | 154 |
| Net loans and leases to core deposits | 136.8129% | 91 |
| Total domestic deposits to total assets | 82.5298% | 3,817 |
| Equity capital to assets | 16.7257% | 356 |
| Core capital (leverage) ratio | 16.7008% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $585,102,250 | 1,502 |
| Average earning assets | $557,749,250 | 1,471 |
| Average equity | $92,786,750 | 1,086 |
| Average total loans | $504,293,000 | 1,174 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 807 |
| Cost of funding earning assets | 0.5226% | 1,077 |
| Net interest margin | 3.9169% | 944 |
| Noninterest income to average assets | 0.0895% | 4,732 |
| Noninterest expense to average assets | 1.2414% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8303% | 667 |
| Return on assets (ROA) | 1.8303% | 698 |
| Pretax return on assets | 2.5788% | 314 |
| Return on Equity (ROE) | 11.7558% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.1668% | 1,661 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4958% | 4,886 |
| Assets per employee ($millions) | 12.9510% | 286 |
| Cash dividends to net income (ytd only)* | 22.0231% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 1,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 85.1784% | 100 |
| Net loans and leases to deposits | 102.1588% | 215 |
| Net loans and leases to core deposits | 136.0930% | 96 |
| Total domestic deposits to total assets | 83.3784% | 3,613 |
| Equity capital to assets | 16.0377% | 410 |
| Core capital (leverage) ratio | 16.0296% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $585,463,333 | 1,490 |
| Average earning assets | $557,637,667 | 1,468 |
| Average equity | $91,155,333 | 1,098 |
| Average total loans | $502,694,333 | 1,181 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 905 |
| Cost of funding earning assets | 0.5803% | 961 |
| Net interest margin | 3.8263% | 1,091 |
| Noninterest income to average assets | 0.0886% | 4,731 |
| Noninterest expense to average assets | 1.2277% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7737% | 824 |
| Return on assets (ROA) | 1.7737% | 880 |
| Pretax return on assets | 2.4969% | 442 |
| Return on Equity (ROE) | 11.5645% | 2,168 |
| Retained earnings to average equity (ytd only) | 6.3200% | 2,788 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9612% | 4,885 |
| Assets per employee ($millions) | 13.3196% | 264 |
| Cash dividends to net income (ytd only)* | 45.3497% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 1,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.2086% | 143 |
| Net loans and leases to deposits | 101.8353% | 244 |
| Net loans and leases to core deposits | 138.4657% | 96 |
| Total domestic deposits to total assets | 82.6911% | 3,762 |
| Equity capital to assets | 15.4656% | 440 |
| Core capital (leverage) ratio | 15.4310% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $586,796,500 | 1,478 |
| Average earning assets | $557,609,500 | 1,451 |
| Average equity | $89,999,500 | 1,099 |
| Average total loans | $501,888,000 | 1,184 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 889 |
| Cost of funding earning assets | 1.1162% | 377 |
| Net interest margin | 3.5859% | 2,189 |
| Noninterest income to average assets | 0.2857% | 3,777 |
| Noninterest expense to average assets | 1.2695% | 4,880 |
| Loan and lease loss provision to assets | 0.4339% | 661 |
| Net operating income to assets | 1.4393% | 935 |
| Return on assets (ROA) | 1.4393% | 1,021 |
| Pretax return on assets | 2.0003% | 454 |
| Return on Equity (ROE) | 9.7164% | 2,111 |
| Retained earnings to average equity (ytd only) | 8.4548% | 917 |
| Net charge-offs to loans | 0.1342% | 1,205 |
| Credit loss provision to net charge-offs | 374.9245% | 1,511 |
| Earnings coverage of net charge-offs (x) | 21.0332% | 1,919 |
| Efficiency ratio | 34.2774% | 4,940 |
| Assets per employee ($millions) | 13.0563% | 259 |
| Cash dividends to net income (ytd only)* | 12.9843% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 3,710 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 84.1626% | 167 |
| Net loans and leases to deposits | 102.1005% | 310 |
| Net loans and leases to core deposits | 138.1725% | 132 |
| Total domestic deposits to total assets | 82.4311% | 3,556 |
| Equity capital to assets | 15.2096% | 534 |
| Core capital (leverage) ratio | 15.3800% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $572,022,000 | 1,392 |
| Average earning assets | $545,254,000 | 1,363 |
| Average equity | $84,733,200 | 1,101 |
| Average total loans | $493,374,400 | 1,152 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 992 |
| Cost of funding earning assets | 1.2359% | 324 |
| Net interest margin | 3.5004% | 2,587 |
| Noninterest income to average assets | 0.1727% | 4,431 |
| Noninterest expense to average assets | 1.2252% | 4,933 |
| Loan and lease loss provision to assets | 0.5824% | 442 |
| Net operating income to assets | 1.2159% | 1,591 |
| Return on assets (ROA) | 1.2159% | 1,715 |
| Pretax return on assets | 1.7023% | 969 |
| Return on Equity (ROE) | 8.2653% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.5599% | 1,865 |
| Net charge-offs to loans | 0.1797% | 830 |
| Credit loss provision to net charge-offs | 374.9245% | 1,536 |
| Earnings coverage of net charge-offs (x) | 14.7069% | 2,138 |
| Efficiency ratio | 34.9067% | 4,963 |
| Assets per employee ($millions) | 12.8057% | 273 |
| Cash dividends to net income (ytd only)* | 20.6331% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,821 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 84.2424% | 256 |
| Net loans and leases to deposits | 102.8067% | 426 |
| Net loans and leases to core deposits | 141.7891% | 155 |
| Total domestic deposits to total assets | 81.9426% | 3,435 |
| Equity capital to assets | 14.9659% | 644 |
| Core capital (leverage) ratio | 15.0519% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,144,500 | 1,377 |
| Average earning assets | $541,677,500 | 1,345 |
| Average equity | $83,576,250 | 1,106 |
| Average total loans | $491,125,000 | 1,150 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 1,061 |
| Cost of funding earning assets | 1.3848% | 239 |
| Net interest margin | 3.4616% | 2,915 |
| Noninterest income to average assets | 0.1857% | 4,351 |
| Noninterest expense to average assets | 1.2072% | 4,973 |
| Loan and lease loss provision to assets | 0.6904% | 408 |
| Net operating income to assets | 1.1350% | 1,863 |
| Return on assets (ROA) | 1.1350% | 1,978 |
| Pretax return on assets | 1.5878% | 1,257 |
| Return on Equity (ROE) | 7.7617% | 2,839 |
| Retained earnings to average equity (ytd only) | 5.1761% | 2,391 |
| Net charge-offs to loans | 0.2700% | 589 |
| Credit loss provision to net charge-offs | 294.8640% | 1,634 |
| Earnings coverage of net charge-offs (x) | 9.7296% | 2,199 |
| Efficiency ratio | 34.6357% | 4,988 |
| Assets per employee ($millions) | 12.7726% | 266 |
| Cash dividends to net income (ytd only)* | 33.3126% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 3,849 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 84.5684% | 216 |
| Net loans and leases to deposits | 103.3930% | 399 |
| Net loans and leases to core deposits | 142.1518% | 149 |
| Total domestic deposits to total assets | 81.7931% | 3,424 |
| Equity capital to assets | 14.6308% | 702 |
| Core capital (leverage) ratio | 15.0147% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,440,667 | 1,360 |
| Average earning assets | $539,005,000 | 1,329 |
| Average equity | $82,687,667 | 1,106 |
| Average total loans | $490,386,000 | 1,131 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 713 |
| Cost of funding earning assets | 1.5840% | 201 |
| Net interest margin | 3.5691% | 2,772 |
| Noninterest income to average assets | 0.0763% | 4,908 |
| Noninterest expense to average assets | 1.3538% | 4,986 |
| Loan and lease loss provision to assets | 0.9273% | 242 |
| Net operating income to assets | 0.8595% | 2,660 |
| Return on assets (ROA) | 0.8595% | 2,765 |
| Pretax return on assets | 1.1976% | 2,207 |
| Return on Equity (ROE) | 5.8791% | 3,361 |
| Retained earnings to average equity (ytd only) | 0.6635% | 3,826 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9174% | 4,994 |
| Assets per employee ($millions) | 12.4024% | 216 |
| Cash dividends to net income (ytd only)* | 88.7137% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,579 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 86.2814% | 124 |
| Net loans and leases to deposits | 105.2571% | 319 |
| Net loans and leases to core deposits | 146.2298% | 132 |
| Total domestic deposits to total assets | 81.9720% | 3,430 |
| Equity capital to assets | 14.7127% | 831 |
| Core capital (leverage) ratio | 14.7762% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $560,777,500 | 1,335 |
| Average earning assets | $534,587,000 | 1,301 |
| Average equity | $81,985,000 | 1,111 |
| Average total loans | $488,863,500 | 1,112 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 549 |
| Cost of funding earning assets | 1.8849% | 101 |
| Net interest margin | 3.6311% | 3,031 |
| Noninterest income to average assets | 0.2349% | 4,272 |
| Noninterest expense to average assets | 1.2638% | 5,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7447% | 599 |
| Return on assets (ROA) | 1.7447% | 636 |
| Pretax return on assets | 2.4419% | 231 |
| Return on Equity (ROE) | 12.5017% | 1,327 |
| Retained earnings to average equity (ytd only) | 11.2578% | 304 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1051% | 5,116 |
| Assets per employee ($millions) | 12.5210% | 191 |
| Cash dividends to net income (ytd only)* | 9.9501% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,510 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.6769% | 181 |
| Net loans and leases to deposits | 102.9162% | 421 |
| Net loans and leases to core deposits | 147.4431% | 134 |
| Total domestic deposits to total assets | 83.2491% | 3,122 |
| Equity capital to assets | 14.5279% | 926 |
| Core capital (leverage) ratio | 14.5429% | 791 |
| Tier 1 risk-based capital ratio | 15.0846% | 2,751 |
| Total risk-based capital ratio | 16.2284% | 2,724 |
| Memoranda: | ||
| Average total assets | $551,260,800 | 1,300 |
| Average earning assets | $526,924,600 | 1,273 |
| Average equity | $76,933,600 | 1,120 |
| Average total loans | $479,431,400 | 1,115 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 514 |
| Cost of funding earning assets | 1.8937% | 103 |
| Net interest margin | 3.6866% | 2,962 |
| Noninterest income to average assets | 0.2167% | 4,431 |
| Noninterest expense to average assets | 1.2924% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7550% | 674 |
| Return on assets (ROA) | 1.7550% | 711 |
| Pretax return on assets | 2.4513% | 273 |
| Return on Equity (ROE) | 12.7090% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.0235% | 523 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5222% | 5,189 |
| Assets per employee ($millions) | 12.8609% | 173 |
| Cash dividends to net income (ytd only)* | 13.2622% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,639 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.1688% | 334 |
| Net loans and leases to deposits | 99.7698% | 654 |
| Net loans and leases to core deposits | 142.8175% | 158 |
| Total domestic deposits to total assets | 84.3630% | 2,692 |
| Equity capital to assets | 14.0438% | 1,133 |
| Core capital (leverage) ratio | 13.8659% | 1,020 |
| Tier 1 risk-based capital ratio | 15.0073% | 2,841 |
| Total risk-based capital ratio | 16.1798% | 2,812 |
| Memoranda: | ||
| Average total assets | $548,214,750 | 1,314 |
| Average earning assets | $524,474,750 | 1,284 |
| Average equity | $75,702,750 | 1,129 |
| Average total loans | $477,086,250 | 1,122 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5424% | 525 |
| Cost of funding earning assets | 1.8408% | 107 |
| Net interest margin | 3.7016% | 2,926 |
| Noninterest income to average assets | 0.1656% | 4,759 |
| Noninterest expense to average assets | 1.3505% | 5,186 |
| Loan and lease loss provision to assets | 0.0664% | 2,489 |
| Net operating income to assets | 1.6507% | 807 |
| Return on assets (ROA) | 1.6507% | 841 |
| Pretax return on assets | 2.2890% | 367 |
| Return on Equity (ROE) | 12.0247% | 1,567 |
| Retained earnings to average equity (ytd only) | 9.4537% | 921 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4414% | 5,214 |
| Assets per employee ($millions) | 12.7191% | 172 |
| Cash dividends to net income (ytd only)* | 21.3807% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,651 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.4364% | 182 |
| Net loans and leases to deposits | 102.8137% | 485 |
| Net loans and leases to core deposits | 148.9507% | 140 |
| Total domestic deposits to total assets | 84.0709% | 2,830 |
| Equity capital to assets | 13.3865% | 1,379 |
| Core capital (leverage) ratio | 13.7385% | 1,040 |
| Tier 1 risk-based capital ratio | 14.0399% | 3,297 |
| Total risk-based capital ratio | 15.2112% | 3,249 |
| Memoranda: | ||
| Average total assets | $542,326,000 | 1,326 |
| Average earning assets | $518,694,670 | 1,289 |
| Average equity | $74,446,670 | 1,145 |
| Average total loans | $475,326,670 | 1,127 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 627 |
| Cost of funding earning assets | 1.7503% | 132 |
| Net interest margin | 3.6550% | 3,061 |
| Noninterest income to average assets | 0.2617% | 4,137 |
| Noninterest expense to average assets | 1.3525% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7606% | 638 |
| Return on assets (ROA) | 1.7606% | 655 |
| Pretax return on assets | 2.4085% | 291 |
| Return on Equity (ROE) | 12.6553% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.4372% | 1,874 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9621% | 5,268 |
| Assets per employee ($millions) | 12.2808% | 193 |
| Cash dividends to net income (ytd only)* | 41.2322% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,645 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 86.7498% | 154 |
| Net loans and leases to deposits | 105.1211% | 354 |
| Net loans and leases to core deposits | 158.0435% | 95 |
| Total domestic deposits to total assets | 82.5237% | 3,571 |
| Equity capital to assets | 13.7571% | 1,119 |
| Core capital (leverage) ratio | 14.3085% | 866 |
| Tier 1 risk-based capital ratio | 14.4053% | 3,144 |
| Total risk-based capital ratio | 15.6071% | 3,096 |
| Memoranda: | ||
| Average total assets | $527,308,500 | 1,368 |
| Average earning assets | $504,838,500 | 1,332 |
| Average equity | $73,360,500 | 1,161 |
| Average total loans | $462,501,000 | 1,152 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 656 |
| Cost of funding earning assets | 1.3525% | 171 |
| Net interest margin | 3.8841% | 2,381 |
| Noninterest income to average assets | 0.1548% | 4,946 |
| Noninterest expense to average assets | 1.3586% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7885% | 563 |
| Return on assets (ROA) | 1.7885% | 561 |
| Pretax return on assets | 2.5106% | 204 |
| Return on Equity (ROE) | 13.2368% | 1,257 |
| Retained earnings to average equity (ytd only) | 13.2368% | 215 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1129% | 5,332 |
| Assets per employee ($millions) | 11.6878% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,833 |
| Loan loss allowance to noncurrent loans | 3,145.0777% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,403 |
| Noncurrent loans to loans | 0.0429% | 4,564 |
| Net loans and leases to total assets | 86.3577% | 218 |
| Net loans and leases to deposits | 104.5969% | 453 |
| Net loans and leases to core deposits | 151.0674% | 132 |
| Total domestic deposits to total assets | 82.5624% | 3,462 |
| Equity capital to assets | 14.0753% | 942 |
| Core capital (leverage) ratio | 14.3058% | 841 |
| Tier 1 risk-based capital ratio | 14.5190% | 3,054 |
| Total risk-based capital ratio | 15.7602% | 2,970 |
| Memoranda: | ||
| Average total assets | $500,078,400 | 1,407 |
| Average earning assets | $478,228,000 | 1,367 |
| Average equity | $67,569,400 | 1,196 |
| Average total loans | $436,067,600 | 1,169 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 687 |
| Cost of funding earning assets | 1.2521% | 192 |
| Net interest margin | 3.8999% | 2,303 |
| Noninterest income to average assets | 0.1713% | 4,931 |
| Noninterest expense to average assets | 1.4063% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7811% | 619 |
| Return on assets (ROA) | 1.7811% | 624 |
| Pretax return on assets | 2.4935% | 235 |
| Return on Equity (ROE) | 13.3258% | 1,318 |
| Retained earnings to average equity (ytd only) | 13.3258% | 321 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0600% | 5,390 |
| Assets per employee ($millions) | 11.4650% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,647 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.8645% | 273 |
| Net loans and leases to deposits | 105.5354% | 462 |
| Net loans and leases to core deposits | 148.7214% | 141 |
| Total domestic deposits to total assets | 81.3608% | 3,774 |
| Equity capital to assets | 13.8883% | 994 |
| Core capital (leverage) ratio | 13.9287% | 955 |
| Tier 1 risk-based capital ratio | 14.3877% | 3,177 |
| Total risk-based capital ratio | 15.6379% | 3,089 |
| Memoranda: | ||
| Average total assets | $496,532,500 | 1,422 |
| Average earning assets | $474,701,750 | 1,378 |
| Average equity | $66,365,750 | 1,212 |
| Average total loans | $432,540,750 | 1,175 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 730 |
| Cost of funding earning assets | 1.1614% | 216 |
| Net interest margin | 3.8881% | 2,245 |
| Noninterest income to average assets | 0.1085% | 5,243 |
| Noninterest expense to average assets | 1.4457% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7032% | 714 |
| Return on assets (ROA) | 1.7032% | 721 |
| Pretax return on assets | 2.3775% | 283 |
| Return on Equity (ROE) | 12.9149% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.9149% | 394 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8138% | 5,433 |
| Assets per employee ($millions) | 11.5171% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 1,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 3,724 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 86.4924% | 228 |
| Net loans and leases to deposits | 107.0078% | 393 |
| Net loans and leases to core deposits | 150.3829% | 118 |
| Total domestic deposits to total assets | 80.8281% | 4,049 |
| Equity capital to assets | 13.3150% | 1,180 |
| Core capital (leverage) ratio | 13.7401% | 982 |
| Tier 1 risk-based capital ratio | 13.9462% | 3,381 |
| Total risk-based capital ratio | 15.1965% | 3,307 |
| Memoranda: | ||
| Average total assets | $493,890,330 | 1,431 |
| Average earning assets | $471,853,670 | 1,390 |
| Average equity | $65,134,000 | 1,231 |
| Average total loans | $430,314,000 | 1,182 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 878 |
| Cost of funding earning assets | 1.1087% | 219 |
| Net interest margin | 3.7874% | 2,472 |
| Noninterest income to average assets | 0.1026% | 5,319 |
| Noninterest expense to average assets | 1.4516% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6092% | 843 |
| Return on assets (ROA) | 1.6092% | 844 |
| Pretax return on assets | 2.2615% | 341 |
| Return on Equity (ROE) | 12.2631% | 1,489 |
| Retained earnings to average equity (ytd only) | 12.2631% | 637 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0939% | 5,478 |
| Assets per employee ($millions) | 11.1965% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,798 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.2875% | 238 |
| Net loans and leases to deposits | 107.7169% | 322 |
| Net loans and leases to core deposits | 144.9134% | 168 |
| Total domestic deposits to total assets | 80.1058% | 4,398 |
| Equity capital to assets | 13.2048% | 1,158 |
| Core capital (leverage) ratio | 13.3156% | 1,066 |
| Tier 1 risk-based capital ratio | 13.8693% | 3,453 |
| Total risk-based capital ratio | 15.1202% | 3,366 |
| Memoranda: | ||
| Average total assets | $487,459,000 | 1,454 |
| Average earning assets | $464,695,500 | 1,418 |
| Average equity | $63,964,000 | 1,259 |
| Average total loans | $423,284,500 | 1,208 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 1,062 |
| Cost of funding earning assets | 1.0074% | 203 |
| Net interest margin | 3.7493% | 2,609 |
| Noninterest income to average assets | 0.2047% | 4,919 |
| Noninterest expense to average assets | 1.3140% | 5,555 |
| Loan and lease loss provision to assets | 0.1053% | 2,129 |
| Net operating income to assets | 1.2728% | 1,297 |
| Return on assets (ROA) | 1.2736% | 1,315 |
| Pretax return on assets | 2.3715% | 230 |
| Return on Equity (ROE) | 10.3006% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.3006% | 315 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6744% | 5,600 |
| Assets per employee ($millions) | 10.9607% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,795 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.8768% | 356 |
| Net loans and leases to deposits | 106.5089% | 380 |
| Net loans and leases to core deposits | 137.2771% | 240 |
| Total domestic deposits to total assets | 79.6899% | 4,399 |
| Equity capital to assets | 13.0372% | 1,247 |
| Core capital (leverage) ratio | 12.8376% | 1,204 |
| Tier 1 risk-based capital ratio | 13.5747% | 3,585 |
| Total risk-based capital ratio | 14.8257% | 3,498 |
| Memoranda: | ||
| Average total assets | $474,889,600 | 1,466 |
| Average earning assets | $454,055,000 | 1,426 |
| Average equity | $58,715,200 | 1,336 |
| Average total loans | $412,385,800 | 1,205 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 1,004 |
| Cost of funding earning assets | 0.9866% | 207 |
| Net interest margin | 3.7736% | 2,492 |
| Noninterest income to average assets | 0.1556% | 5,241 |
| Noninterest expense to average assets | 1.3002% | 5,619 |
| Loan and lease loss provision to assets | 0.1409% | 1,503 |
| Net operating income to assets | 1.3997% | 1,091 |
| Return on assets (ROA) | 1.4008% | 1,110 |
| Pretax return on assets | 2.3318% | 283 |
| Return on Equity (ROE) | 11.4893% | 1,493 |
| Retained earnings to average equity (ytd only) | 11.4893% | 347 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4768% | 5,659 |
| Assets per employee ($millions) | 11.1797% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 4,001 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.5762% | 286 |
| Net loans and leases to deposits | 106.1112% | 416 |
| Net loans and leases to core deposits | 135.6811% | 260 |
| Total domestic deposits to total assets | 80.6476% | 4,157 |
| Equity capital to assets | 12.5658% | 1,624 |
| Core capital (leverage) ratio | 12.7535% | 1,314 |
| Tier 1 risk-based capital ratio | 13.1527% | 3,906 |
| Total risk-based capital ratio | 14.4035% | 3,814 |
| Memoranda: | ||
| Average total assets | $473,044,000 | 1,483 |
| Average earning assets | $453,245,250 | 1,441 |
| Average equity | $57,675,250 | 1,375 |
| Average total loans | $411,630,500 | 1,218 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 962 |
| Cost of funding earning assets | 0.9756% | 195 |
| Net interest margin | 3.7763% | 2,381 |
| Noninterest income to average assets | 0.1843% | 5,131 |
| Noninterest expense to average assets | 1.3069% | 5,671 |
| Loan and lease loss provision to assets | 0.1028% | 1,969 |
| Net operating income to assets | 1.4394% | 975 |
| Return on assets (ROA) | 1.4410% | 1,001 |
| Pretax return on assets | 2.3978% | 251 |
| Return on Equity (ROE) | 11.9475% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.9475% | 327 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3468% | 5,710 |
| Assets per employee ($millions) | 11.1305% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 4,019 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.7402% | 369 |
| Net loans and leases to deposits | 103.0707% | 550 |
| Net loans and leases to core deposits | 129.1167% | 325 |
| Total domestic deposits to total assets | 82.2156% | 3,823 |
| Equity capital to assets | 12.1178% | 1,853 |
| Core capital (leverage) ratio | 12.3147% | 1,466 |
| Tier 1 risk-based capital ratio | 12.8272% | 4,103 |
| Total risk-based capital ratio | 14.0781% | 4,015 |
| Memoranda: | ||
| Average total assets | $466,756,000 | 1,501 |
| Average earning assets | $447,526,670 | 1,457 |
| Average equity | $56,296,330 | 1,407 |
| Average total loans | $406,498,670 | 1,230 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,264 |
| Cost of funding earning assets | 0.9699% | 189 |
| Net interest margin | 3.5769% | 2,976 |
| Noninterest income to average assets | 0.2734% | 4,587 |
| Noninterest expense to average assets | 1.2638% | 5,752 |
| Loan and lease loss provision to assets | 0.1302% | 1,471 |
| Net operating income to assets | 1.3966% | 1,008 |
| Return on assets (ROA) | 1.3966% | 1,039 |
| Pretax return on assets | 2.3141% | 292 |
| Return on Equity (ROE) | 11.6077% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.6077% | 515 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0824% | 5,775 |
| Assets per employee ($millions) | 10.6117% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 2,000 |
| Loan loss allowance to noncurrent loans | 657.4713% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,338 |
| Noncurrent loans to loans | 0.2158% | 4,333 |
| Net loans and leases to total assets | 85.1374% | 274 |
| Net loans and leases to deposits | 103.8662% | 406 |
| Net loans and leases to core deposits | 127.3776% | 298 |
| Total domestic deposits to total assets | 81.9683% | 4,175 |
| Equity capital to assets | 12.0420% | 1,807 |
| Core capital (leverage) ratio | 12.1158% | 1,556 |
| Tier 1 risk-based capital ratio | 12.9301% | 4,124 |
| Total risk-based capital ratio | 14.1813% | 4,016 |
| Memoranda: | ||
| Average total assets | $460,829,000 | 1,528 |
| Average earning assets | $442,506,500 | 1,478 |
| Average equity | $55,446,000 | 1,421 |
| Average total loans | $404,055,500 | 1,238 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 1,459 |
| Cost of funding earning assets | 0.9474% | 232 |
| Net interest margin | 3.5780% | 3,150 |
| Noninterest income to average assets | 0.1490% | 5,453 |
| Noninterest expense to average assets | 1.4442% | 5,748 |
| Loan and lease loss provision to assets | 0.1568% | 1,590 |
| Net operating income to assets | 1.1771% | 1,579 |
| Return on assets (ROA) | 1.1771% | 1,679 |
| Pretax return on assets | 2.0004% | 504 |
| Return on Equity (ROE) | 9.8192% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.8192% | 440 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0999% | 5,779 |
| Assets per employee ($millions) | 9.8857% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 2,190 |
| Loan loss allowance to noncurrent loans | 520.0747% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 3,164 |
| Noncurrent loans to loans | 0.2645% | 4,205 |
| Net loans and leases to total assets | 87.8083% | 133 |
| Net loans and leases to deposits | 108.4376% | 263 |
| Net loans and leases to core deposits | 134.1629% | 235 |
| Total domestic deposits to total assets | 80.9758% | 4,340 |
| Equity capital to assets | 12.0213% | 1,786 |
| Core capital (leverage) ratio | 11.9951% | 1,604 |
| Tier 1 risk-based capital ratio | 13.0801% | 4,014 |
| Total risk-based capital ratio | 14.3314% | 3,927 |
| Memoranda: | ||
| Average total assets | $433,602,800 | 1,568 |
| Average earning assets | $418,386,600 | 1,505 |
| Average equity | $51,979,800 | 1,475 |
| Average total loans | $380,017,400 | 1,249 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 1,651 |
| Cost of funding earning assets | 0.9407% | 235 |
| Net interest margin | 3.5247% | 3,374 |
| Noninterest income to average assets | 0.1827% | 5,367 |
| Noninterest expense to average assets | 1.4478% | 5,796 |
| Loan and lease loss provision to assets | 0.1429% | 1,637 |
| Net operating income to assets | 1.1726% | 1,728 |
| Return on assets (ROA) | 1.1726% | 1,837 |
| Pretax return on assets | 1.9919% | 580 |
| Return on Equity (ROE) | 9.7890% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.7890% | 620 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4119% | 5,822 |
| Assets per employee ($millions) | 10.1362% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 2,519 |
| Loan loss allowance to noncurrent loans | 499.4398% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 3,022 |
| Noncurrent loans to loans | 0.2669% | 4,306 |
| Net loans and leases to total assets | 86.7871% | 198 |
| Net loans and leases to deposits | 108.4669% | 292 |
| Net loans and leases to core deposits | 133.4509% | 254 |
| Total domestic deposits to total assets | 80.0125% | 4,510 |
| Equity capital to assets | 11.7030% | 2,354 |
| Core capital (leverage) ratio | 12.0385% | 1,651 |
| Tier 1 risk-based capital ratio | 13.1530% | 4,064 |
| Total risk-based capital ratio | 14.4042% | 3,974 |
| Memoranda: | ||
| Average total assets | $428,318,000 | 1,586 |
| Average earning assets | $413,149,250 | 1,522 |
| Average equity | $51,308,250 | 1,495 |
| Average total loans | $373,804,000 | 1,260 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 1,459 |
| Cost of funding earning assets | 0.9363% | 242 |
| Net interest margin | 3.5853% | 3,156 |
| Noninterest income to average assets | 0.2172% | 5,190 |
| Noninterest expense to average assets | 1.4795% | 5,852 |
| Loan and lease loss provision to assets | 0.1952% | 1,111 |
| Net operating income to assets | 1.1774% | 1,676 |
| Return on assets (ROA) | 1.1774% | 1,774 |
| Pretax return on assets | 2.0003% | 568 |
| Return on Equity (ROE) | 9.7476% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.7476% | 653 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2597% | 5,899 |
| Assets per employee ($millions) | 10.2284% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 2,402 |
| Loan loss allowance to noncurrent loans | 494.7712% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 3,047 |
| Noncurrent loans to loans | 0.2783% | 4,371 |
| Net loans and leases to total assets | 86.3079% | 232 |
| Net loans and leases to deposits | 105.7688% | 380 |
| Net loans and leases to core deposits | 130.4748% | 300 |
| Total domestic deposits to total assets | 81.6006% | 4,118 |
| Equity capital to assets | 11.8334% | 2,245 |
| Core capital (leverage) ratio | 12.0831% | 1,569 |
| Tier 1 risk-based capital ratio | 12.7287% | 4,367 |
| Total risk-based capital ratio | 13.9795% | 4,271 |
| Memoranda: | ||
| Average total assets | $419,047,330 | 1,619 |
| Average earning assets | $404,146,000 | 1,556 |
| Average equity | $50,617,330 | 1,515 |
| Average total loans | $364,668,330 | 1,286 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,754 |
| Cost of funding earning assets | 0.9260% | 253 |
| Net interest margin | 3.4918% | 3,503 |
| Noninterest income to average assets | 0.0646% | 5,923 |
| Noninterest expense to average assets | 1.5886% | 5,836 |
| Loan and lease loss provision to assets | 0.1654% | 1,250 |
| Net operating income to assets | 0.9866% | 2,341 |
| Return on assets (ROA) | 0.9866% | 2,454 |
| Pretax return on assets | 1.6767% | 1,120 |
| Return on Equity (ROE) | 8.0797% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.0797% | 1,420 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3053% | 5,798 |
| Assets per employee ($millions) | 9.8892% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 2,508 |
| Loan loss allowance to noncurrent loans | 472.3623% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 3,034 |
| Noncurrent loans to loans | 0.2924% | 4,381 |
| Net loans and leases to total assets | 84.9444% | 299 |
| Net loans and leases to deposits | 104.4025% | 396 |
| Net loans and leases to core deposits | 126.9440% | 321 |
| Total domestic deposits to total assets | 81.3623% | 4,388 |
| Equity capital to assets | 11.8551% | 2,115 |
| Core capital (leverage) ratio | 12.3359% | 1,415 |
| Tier 1 risk-based capital ratio | 12.9662% | 4,287 |
| Total risk-based capital ratio | 14.2172% | 4,204 |
| Memoranda: | ||
| Average total assets | $408,659,500 | 1,652 |
| Average earning assets | $393,951,500 | 1,591 |
| Average equity | $49,903,000 | 1,532 |
| Average total loans | $354,552,000 | 1,312 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 1,085 |
| Cost of funding earning assets | 0.8375% | 409 |
| Net interest margin | 3.8713% | 2,127 |
| Noninterest income to average assets | 0.2168% | 5,292 |
| Noninterest expense to average assets | 1.7013% | 5,838 |
| Loan and lease loss provision to assets | 0.1584% | 1,462 |
| Net operating income to assets | 1.2283% | 1,456 |
| Return on assets (ROA) | 1.2283% | 1,521 |
| Pretax return on assets | 2.0835% | 451 |
| Return on Equity (ROE) | 8.9207% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.9207% | 670 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1447% | 6,002 |
| Assets per employee ($millions) | 8.7130% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 3,769 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 86.1912% | 216 |
| Net loans and leases to deposits | 107.2662% | 320 |
| Net loans and leases to core deposits | 125.3439% | 350 |
| Total domestic deposits to total assets | 80.3526% | 4,652 |
| Equity capital to assets | 12.5978% | 1,568 |
| Core capital (leverage) ratio | 12.9273% | 1,173 |
| Tier 1 risk-based capital ratio | 13.6496% | 3,917 |
| Total risk-based capital ratio | 14.9012% | 3,849 |
| Memoranda: | ||
| Average total assets | $342,738,200 | 1,903 |
| Average earning assets | $329,911,800 | 1,840 |
| Average equity | $47,193,400 | 1,566 |
| Average total loans | $298,068,000 | 1,474 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,061 |
| Cost of funding earning assets | 0.8133% | 455 |
| Net interest margin | 3.9067% | 2,006 |
| Noninterest income to average assets | 0.1352% | 5,808 |
| Noninterest expense to average assets | 1.7191% | 5,883 |
| Loan and lease loss provision to assets | 0.1824% | 1,138 |
| Net operating income to assets | 1.1755% | 1,731 |
| Return on assets (ROA) | 1.1755% | 1,804 |
| Pretax return on assets | 1.9923% | 605 |
| Return on Equity (ROE) | 8.3268% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.3268% | 1,119 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1497% | 6,036 |
| Assets per employee ($millions) | 8.7839% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 3,869 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.1291% | 292 |
| Net loans and leases to deposits | 107.1519% | 330 |
| Net loans and leases to core deposits | 122.7032% | 405 |
| Total domestic deposits to total assets | 79.4471% | 4,875 |
| Equity capital to assets | 13.0388% | 1,422 |
| Core capital (leverage) ratio | 13.8598% | 899 |
| Tier 1 risk-based capital ratio | 14.4063% | 3,623 |
| Total risk-based capital ratio | 15.6589% | 3,540 |
| Memoranda: | ||
| Average total assets | $330,402,000 | 2,001 |
| Average earning assets | $317,876,500 | 1,917 |
| Average equity | $46,643,250 | 1,591 |
| Average total loans | $286,877,250 | 1,525 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 925 |
| Cost of funding earning assets | 0.8049% | 484 |
| Net interest margin | 3.9761% | 1,715 |
| Noninterest income to average assets | 0.1549% | 5,779 |
| Noninterest expense to average assets | 1.7949% | 5,854 |
| Loan and lease loss provision to assets | 0.1304% | 1,698 |
| Net operating income to assets | 1.2098% | 1,565 |
| Return on assets (ROA) | 1.2098% | 1,645 |
| Pretax return on assets | 2.0500% | 547 |
| Return on Equity (ROE) | 8.3238% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.3238% | 1,142 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1521% | 6,071 |
| Assets per employee ($millions) | 7.6241% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 3,780 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.5041% | 337 |
| Net loans and leases to deposits | 109.4641% | 272 |
| Net loans and leases to core deposits | 122.4795% | 404 |
| Total domestic deposits to total assets | 77.1980% | 5,427 |
| Equity capital to assets | 14.3719% | 857 |
| Core capital (leverage) ratio | 14.5953% | 690 |
| Tier 1 risk-based capital ratio | 16.0686% | 2,821 |
| Total risk-based capital ratio | 17.3225% | 2,780 |
| Memoranda: | ||
| Average total assets | $317,562,000 | 2,090 |
| Average earning assets | $305,122,330 | 2,021 |
| Average equity | $46,156,670 | 1,613 |
| Average total loans | $276,216,670 | 1,591 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,020 |
| Cost of funding earning assets | 0.7973% | 510 |
| Net interest margin | 3.9105% | 1,858 |
| Noninterest income to average assets | 0.2215% | 5,366 |
| Noninterest expense to average assets | 1.7899% | 5,918 |
| Loan and lease loss provision to assets | 0.1370% | 1,506 |
| Net operating income to assets | 1.2099% | 1,520 |
| Return on assets (ROA) | 1.2099% | 1,613 |
| Pretax return on assets | 2.0498% | 540 |
| Return on Equity (ROE) | 8.2755% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.2755% | 1,465 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0097% | 6,143 |
| Assets per employee ($millions) | 7.6587% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 2,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 3,800 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 84.8096% | 262 |
| Net loans and leases to deposits | 110.3113% | 217 |
| Net loans and leases to core deposits | 123.3516% | 341 |
| Total domestic deposits to total assets | 76.8821% | 5,631 |
| Equity capital to assets | 14.3488% | 874 |
| Core capital (leverage) ratio | 14.5865% | 672 |
| Tier 1 risk-based capital ratio | 16.0408% | 2,900 |
| Total risk-based capital ratio | 17.2947% | 2,832 |
| Memoranda: | ||
| Average total assets | $312,425,500 | 2,122 |
| Average earning assets | $300,014,000 | 2,054 |
| Average equity | $45,677,000 | 1,636 |
| Average total loans | $273,531,000 | 1,600 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,474 |
| Cost of funding earning assets | 0.7530% | 835 |
| Net interest margin | 3.8760% | 2,334 |
| Noninterest income to average assets | 0.8348% | 1,730 |
| Noninterest expense to average assets | 2.0389% | 5,696 |
| Loan and lease loss provision to assets | 0.1137% | 2,275 |
| Net operating income to assets | 1.4079% | 1,071 |
| Return on assets (ROA) | 1.4079% | 1,098 |
| Pretax return on assets | 2.3909% | 233 |
| Return on Equity (ROE) | 9.4767% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.4767% | 607 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8757% | 6,301 |
| Assets per employee ($millions) | 7.0509% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 3,811 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 87.5562% | 134 |
| Net loans and leases to deposits | 115.3342% | 142 |
| Net loans and leases to core deposits | 128.6419% | 263 |
| Total domestic deposits to total assets | 75.9152% | 5,743 |
| Equity capital to assets | 14.9080% | 717 |
| Core capital (leverage) ratio | 15.0588% | 603 |
| Tier 1 risk-based capital ratio | 16.5231% | 2,701 |
| Total risk-based capital ratio | 17.7769% | 2,648 |
| Memoranda: | ||
| Average total assets | $290,354,800 | 2,211 |
| Average earning assets | $277,809,400 | 2,147 |
| Average equity | $43,137,400 | 1,669 |
| Average total loans | $242,843,200 | 1,739 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 1,602 |
| Cost of funding earning assets | 0.7440% | 922 |
| Net interest margin | 3.8427% | 2,467 |
| Noninterest income to average assets | 1.0893% | 1,027 |
| Noninterest expense to average assets | 2.0463% | 5,684 |
| Loan and lease loss provision to assets | 0.1569% | 1,586 |
| Net operating income to assets | 1.5077% | 927 |
| Return on assets (ROA) | 1.5077% | 957 |
| Pretax return on assets | 2.5603% | 191 |
| Return on Equity (ROE) | 10.1573% | 2,140 |
| Retained earnings to average equity (ytd only) | 10.1573% | 663 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9574% | 6,394 |
| Assets per employee ($millions) | 6.6575% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,991 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 83.3707% | 373 |
| Net loans and leases to deposits | 110.5479% | 201 |
| Net loans and leases to core deposits | 122.1549% | 346 |
| Total domestic deposits to total assets | 75.4159% | 5,881 |
| Equity capital to assets | 15.1402% | 711 |
| Core capital (leverage) ratio | 15.3963% | 562 |
| Tier 1 risk-based capital ratio | 17.7326% | 2,303 |
| Total risk-based capital ratio | 18.9890% | 2,261 |
| Memoranda: | ||
| Average total assets | $287,146,750 | 2,242 |
| Average earning assets | $274,560,000 | 2,178 |
| Average equity | $42,622,000 | 1,698 |
| Average total loans | $236,102,500 | 1,792 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 1,777 |
| Cost of funding earning assets | 0.7329% | 1,005 |
| Net interest margin | 3.7856% | 2,615 |
| Noninterest income to average assets | 1.5518% | 517 |
| Noninterest expense to average assets | 2.1429% | 5,531 |
| Loan and lease loss provision to assets | 0.1515% | 1,625 |
| Net operating income to assets | 1.6927% | 584 |
| Return on assets (ROA) | 1.6927% | 611 |
| Pretax return on assets | 2.8757% | 127 |
| Return on Equity (ROE) | 11.4827% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.4827% | 478 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4485% | 6,495 |
| Assets per employee ($millions) | 7.3160% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 1,943 |
| Loan loss allowance to noncurrent loans | 172.0732% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.4927% | 2,182 |
| Noncurrent loans to loans | 1.0251% | 3,185 |
| Net loans and leases to total assets | 82.6243% | 409 |
| Net loans and leases to deposits | 110.0084% | 208 |
| Net loans and leases to core deposits | 120.5318% | 363 |
| Total domestic deposits to total assets | 75.1072% | 6,009 |
| Equity capital to assets | 15.0997% | 680 |
| Core capital (leverage) ratio | 15.0666% | 600 |
| Tier 1 risk-based capital ratio | 18.3002% | 2,130 |
| Total risk-based capital ratio | 19.5572% | 2,099 |
| Memoranda: | ||
| Average total assets | $285,219,330 | 2,255 |
| Average earning assets | $272,612,670 | 2,191 |
| Average equity | $42,046,000 | 1,704 |
| Average total loans | $231,946,000 | 1,810 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 1,969 |
| Cost of funding earning assets | 0.7208% | 1,119 |
| Net interest margin | 3.7260% | 2,765 |
| Noninterest income to average assets | 2.8418% | 199 |
| Noninterest expense to average assets | 2.0451% | 5,793 |
| Loan and lease loss provision to assets | 0.0982% | 2,283 |
| Net operating income to assets | 2.5066% | 143 |
| Return on assets (ROA) | 2.5066% | 150 |
| Pretax return on assets | 4.2586% | 82 |
| Return on Equity (ROE) | 17.2127% | 513 |
| Retained earnings to average equity (ytd only) | 17.2127% | 210 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9457% | 6,663 |
| Assets per employee ($millions) | 7.1111% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 2,119 |
| Loan loss allowance to noncurrent loans | 166.1382% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 2,357 |
| Noncurrent loans to loans | 1.0680% | 3,287 |
| Net loans and leases to total assets | 79.5406% | 601 |
| Net loans and leases to deposits | 104.7115% | 267 |
| Net loans and leases to core deposits | 114.9144% | 431 |
| Total domestic deposits to total assets | 75.9617% | 6,079 |
| Equity capital to assets | 14.9190% | 695 |
| Core capital (leverage) ratio | 14.7496% | 637 |
| Tier 1 risk-based capital ratio | 19.4056% | 1,857 |
| Total risk-based capital ratio | 20.6633% | 1,827 |
| Memoranda: | ||
| Average total assets | $285,167,000 | 2,265 |
| Average earning assets | $272,465,500 | 2,197 |
| Average equity | $41,527,500 | 1,720 |
| Average total loans | $227,929,000 | 1,840 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,788 |
| Cost of funding earning assets | 0.7821% | 1,308 |
| Net interest margin | 3.8421% | 2,494 |
| Noninterest income to average assets | 0.3545% | 4,771 |
| Noninterest expense to average assets | 1.9655% | 6,083 |
| Loan and lease loss provision to assets | 0.0166% | 4,805 |
| Net operating income to assets | 1.2205% | 1,488 |
| Return on assets (ROA) | 1.2205% | 1,554 |
| Pretax return on assets | 2.0595% | 425 |
| Return on Equity (ROE) | 10.1602% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.1602% | 538 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6320% | 6,465 |
| Assets per employee ($millions) | 7.3306% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 4,348 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.4793% | 890 |
| Net loans and leases to deposits | 101.6945% | 412 |
| Net loans and leases to core deposits | 112.1827% | 533 |
| Total domestic deposits to total assets | 76.1882% | 6,079 |
| Equity capital to assets | 14.2078% | 849 |
| Core capital (leverage) ratio | 14.1686% | 783 |
| Tier 1 risk-based capital ratio | 19.1762% | 1,873 |
| Total risk-based capital ratio | 20.4342% | 1,831 |
| Memoranda: | ||
| Average total assets | $289,391,000 | 2,214 |
| Average earning assets | $277,712,200 | 2,128 |
| Average equity | $34,763,200 | 1,983 |
| Average total loans | $229,660,200 | 1,788 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,925 |
| Cost of funding earning assets | 0.7954% | 1,352 |
| Net interest margin | 3.7991% | 2,643 |
| Noninterest income to average assets | 0.2177% | 5,873 |
| Noninterest expense to average assets | 1.9366% | 6,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1451% | 1,833 |
| Return on assets (ROA) | 1.1451% | 1,904 |
| Pretax return on assets | 1.9320% | 672 |
| Return on Equity (ROE) | 9.9820% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.9820% | 793 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0594% | 6,396 |
| Assets per employee ($millions) | 7.1324% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 4,551 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.8280% | 566 |
| Net loans and leases to deposits | 102.5532% | 352 |
| Net loans and leases to core deposits | 112.7774% | 481 |
| Total domestic deposits to total assets | 77.8406% | 5,925 |
| Equity capital to assets | 13.8663% | 1,002 |
| Core capital (leverage) ratio | 13.7997% | 922 |
| Tier 1 risk-based capital ratio | 19.4594% | 1,872 |
| Total risk-based capital ratio | 20.7180% | 1,842 |
| Memoranda: | ||
| Average total assets | $290,265,750 | 2,215 |
| Average earning assets | $278,939,000 | 2,130 |
| Average equity | $33,299,250 | 2,092 |
| Average total loans | $230,694,250 | 1,784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,814 |
| Cost of funding earning assets | 0.8120% | 1,358 |
| Net interest margin | 3.7992% | 2,559 |
| Noninterest income to average assets | 0.3337% | 5,028 |
| Noninterest expense to average assets | 1.9122% | 6,198 |
| Loan and lease loss provision to assets | 0.0014% | 4,769 |
| Net operating income to assets | 1.2325% | 1,508 |
| Return on assets (ROA) | 1.2325% | 1,611 |
| Pretax return on assets | 2.0807% | 515 |
| Return on Equity (ROE) | 11.5275% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.5275% | 564 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8731% | 6,544 |
| Assets per employee ($millions) | 7.2247% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 2,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 4,504 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 77.9730% | 751 |
| Net loans and leases to deposits | 99.4949% | 454 |
| Net loans and leases to core deposits | 109.5307% | 580 |
| Total domestic deposits to total assets | 78.3688% | 5,901 |
| Equity capital to assets | 13.4470% | 1,161 |
| Core capital (leverage) ratio | 13.4955% | 980 |
| Tier 1 risk-based capital ratio | 18.8359% | 2,038 |
| Total risk-based capital ratio | 20.0946% | 1,997 |
| Memoranda: | ||
| Average total assets | $291,922,330 | 2,211 |
| Average earning assets | $281,271,000 | 2,121 |
| Average equity | $31,212,330 | 2,202 |
| Average total loans | $230,354,000 | 1,785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,640 |
| Cost of funding earning assets | 0.8420% | 1,295 |
| Net interest margin | 3.8213% | 2,372 |
| Noninterest income to average assets | 0.3681% | 4,724 |
| Noninterest expense to average assets | 1.9087% | 6,263 |
| Loan and lease loss provision to assets | 0.0014% | 4,400 |
| Net operating income to assets | 1.2775% | 1,337 |
| Return on assets (ROA) | 1.2775% | 1,436 |
| Pretax return on assets | 2.1582% | 448 |
| Return on Equity (ROE) | 13.6846% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.6846% | 478 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9169% | 6,658 |
| Assets per employee ($millions) | 7.8559% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 4,668 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.6458% | 887 |
| Net loans and leases to deposits | 92.1144% | 794 |
| Net loans and leases to core deposits | 101.1640% | 879 |
| Total domestic deposits to total assets | 82.1216% | 5,152 |
| Equity capital to assets | 9.5838% | 4,732 |
| Core capital (leverage) ratio | 9.4779% | 4,125 |
| Tier 1 risk-based capital ratio | 13.0808% | 5,157 |
| Total risk-based capital ratio | 14.3383% | 5,107 |
| Memoranda: | ||
| Average total assets | $293,390,500 | 2,230 |
| Average earning assets | $284,092,000 | 2,125 |
| Average equity | $27,388,500 | 2,492 |
| Average total loans | $230,880,000 | 1,787 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 1,032 |
| Cost of funding earning assets | 0.9825% | 1,447 |
| Net interest margin | 4.2601% | 1,494 |
| Noninterest income to average assets | 0.2582% | 5,618 |
| Noninterest expense to average assets | 1.8628% | 6,535 |
| Loan and lease loss provision to assets | 0.3227% | 2,110 |
| Net operating income to assets | 1.2896% | 1,334 |
| Return on assets (ROA) | 1.2896% | 1,484 |
| Pretax return on assets | 2.1836% | 426 |
| Return on Equity (ROE) | 13.4356% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.4356% | 227 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6361% | 6,884 |
| Assets per employee ($millions) | 8.2253% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 4,802 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 79.0046% | 566 |
| Net loans and leases to deposits | 95.6775% | 640 |
| Net loans and leases to core deposits | 105.6754% | 705 |
| Total domestic deposits to total assets | 82.5738% | 4,903 |
| Equity capital to assets | 9.0912% | 5,413 |
| Core capital (leverage) ratio | 8.9168% | 5,020 |
| Tier 1 risk-based capital ratio | 11.8635% | 5,866 |
| Total risk-based capital ratio | 13.1199% | 5,823 |
| Memoranda: | ||
| Average total assets | $260,304,400 | 2,437 |
| Average earning assets | $251,192,400 | 2,310 |
| Average equity | $24,985,800 | 2,657 |
| Average total loans | $225,628,200 | 1,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 1,035 |
| Cost of funding earning assets | 0.9954% | 1,590 |
| Net interest margin | 4.2925% | 1,490 |
| Noninterest income to average assets | 0.2376% | 5,854 |
| Noninterest expense to average assets | 1.8592% | 6,601 |
| Loan and lease loss provision to assets | 0.4562% | 1,362 |
| Net operating income to assets | 1.2174% | 1,679 |
| Return on assets (ROA) | 1.2174% | 1,854 |
| Pretax return on assets | 2.0603% | 613 |
| Return on Equity (ROE) | 12.4883% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.4883% | 444 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4900% | 6,948 |
| Assets per employee ($millions) | 7.9352% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 4,854 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 82.8981% | 286 |
| Net loans and leases to deposits | 100.0909% | 428 |
| Net loans and leases to core deposits | 108.9183% | 610 |
| Total domestic deposits to total assets | 82.8228% | 4,718 |
| Equity capital to assets | 8.7928% | 6,023 |
| Core capital (leverage) ratio | 9.2543% | 4,674 |
| Tier 1 risk-based capital ratio | 10.8444% | 6,544 |
| Total risk-based capital ratio | 12.0997% | 6,519 |
| Memoranda: | ||
| Average total assets | $251,352,500 | 2,542 |
| Average earning assets | $242,310,250 | 2,424 |
| Average equity | $24,502,250 | 2,733 |
| Average total loans | $222,557,500 | 1,835 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 1,063 |
| Cost of funding earning assets | 1.0103% | 1,705 |
| Net interest margin | 4.2880% | 1,505 |
| Noninterest income to average assets | 0.2411% | 5,847 |
| Noninterest expense to average assets | 1.8292% | 6,717 |
| Loan and lease loss provision to assets | 0.6743% | 834 |
| Net operating income to assets | 1.1025% | 2,034 |
| Return on assets (ROA) | 1.1025% | 2,255 |
| Pretax return on assets | 1.8662% | 907 |
| Return on Equity (ROE) | 10.8709% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.8709% | 766 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8596% | 7,024 |
| Assets per employee ($millions) | 7.6867% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 3,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 4,755 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 90.0145% | 43 |
| Net loans and leases to deposits | 112.2263% | 123 |
| Net loans and leases to core deposits | 121.5334% | 287 |
| Total domestic deposits to total assets | 80.2080% | 5,689 |
| Equity capital to assets | 9.4759% | 5,097 |
| Core capital (leverage) ratio | 10.0351% | 3,376 |
| Tier 1 risk-based capital ratio | 10.4465% | 6,715 |
| Total risk-based capital ratio | 11.7015% | 6,696 |
| Memoranda: | ||
| Average total assets | $237,268,670 | 2,688 |
| Average earning assets | $228,452,670 | 2,538 |
| Average equity | $24,064,330 | 2,761 |
| Average total loans | $214,283,000 | 1,910 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 1,214 |
| Cost of funding earning assets | 1.0425% | 1,726 |
| Net interest margin | 4.2033% | 1,753 |
| Noninterest income to average assets | 0.2877% | 5,572 |
| Noninterest expense to average assets | 1.9447% | 6,561 |
| Loan and lease loss provision to assets | 0.6038% | 947 |
| Net operating income to assets | 1.0532% | 2,271 |
| Return on assets (ROA) | 1.0532% | 2,464 |
| Pretax return on assets | 1.7849% | 1,106 |
| Return on Equity (ROE) | 10.0025% | 2,404 |
| Retained earnings to average equity (ytd only) | 10.0025% | 1,267 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8770% | 6,957 |
| Assets per employee ($millions) | 7.1988% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 3,738 |
| Loan loss allowance to noncurrent loans | 267.6698% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 4,719 |
| Noncurrent loans to loans | 0.5961% | 5,468 |
| Net loans and leases to total assets | 90.0656% | 40 |
| Net loans and leases to deposits | 112.6675% | 107 |
| Net loans and leases to core deposits | 122.6520% | 279 |
| Total domestic deposits to total assets | 79.9393% | 5,865 |
| Equity capital to assets | 10.1284% | 3,944 |
| Core capital (leverage) ratio | 10.7168% | 2,531 |
| Tier 1 risk-based capital ratio | 10.8939% | 6,581 |
| Total risk-based capital ratio | 12.1477% | 6,569 |
| Memoranda: | ||
| Average total assets | $225,229,000 | 2,829 |
| Average earning assets | $216,782,000 | 2,688 |
| Average equity | $23,714,000 | 2,791 |
| Average total loans | $201,834,500 | 2,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2466% | 1,887 |
| Cost of funding earning assets | 1.0683% | 2,895 |
| Net interest margin | 4.1784% | 2,126 |
| Noninterest income to average assets | 0.1326% | 6,492 |
| Noninterest expense to average assets | 2.8818% | 4,035 |
| Loan and lease loss provision to assets | 0.5248% | 1,998 |
| Net operating income to assets | 1.1822% | 1,558 |
| Return on assets (ROA) | 1.1822% | 1,674 |
| Pretax return on assets | 0.7849% | 4,033 |
| Return on Equity (ROE) | 9.5592% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.5592% | 659 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7534% | 4,199 |
| Assets per employee ($millions) | 6.2617% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 3,280 |
| Loan loss allowance to noncurrent loans | 186.2500% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 4,259 |
| Noncurrent loans to loans | 0.9021% | 4,880 |
| Net loans and leases to total assets | 86.0089% | 128 |
| Net loans and leases to deposits | 109.7688% | 176 |
| Net loans and leases to core deposits | 120.7536% | 341 |
| Total domestic deposits to total assets | 78.3545% | 6,126 |
| Equity capital to assets | 10.9756% | 3,002 |
| Core capital (leverage) ratio | 11.8485% | 1,689 |
| Tier 1 risk-based capital ratio | 12.4467% | 5,495 |
| Total risk-based capital ratio | 13.7016% | 5,471 |
| Memoranda: | ||
| Average total assets | $177,215,000 | 3,378 |
| Average earning assets | $172,148,200 | 3,198 |
| Average equity | $21,916,000 | 2,903 |
| Average total loans | $150,161,400 | 2,640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2052% | 2,192 |
| Cost of funding earning assets | 1.0778% | 3,124 |
| Net interest margin | 4.1275% | 2,365 |
| Noninterest income to average assets | 0.0959% | 6,766 |
| Noninterest expense to average assets | 2.4710% | 5,559 |
| Loan and lease loss provision to assets | 0.5070% | 1,955 |
| Net operating income to assets | 0.6782% | 3,729 |
| Return on assets (ROA) | 0.6782% | 3,903 |
| Pretax return on assets | 1.1440% | 2,842 |
| Return on Equity (ROE) | 5.2953% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.2953% | 2,997 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9462% | 5,732 |
| Assets per employee ($millions) | 5.7871% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 3,207 |
| Loan loss allowance to noncurrent loans | 219.0586% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 4,531 |
| Noncurrent loans to loans | 0.7843% | 5,312 |
| Net loans and leases to total assets | 85.0424% | 161 |
| Net loans and leases to deposits | 108.9716% | 192 |
| Net loans and leases to core deposits | 120.6364% | 371 |
| Total domestic deposits to total assets | 78.0409% | 6,185 |
| Equity capital to assets | 11.4969% | 2,685 |
| Core capital (leverage) ratio | 12.2409% | 1,569 |
| Tier 1 risk-based capital ratio | 13.3309% | 4,857 |
| Total risk-based capital ratio | 14.5864% | 4,827 |
| Memoranda: | ||
| Average total assets | $168,294,000 | 3,547 |
| Average earning assets | $164,165,000 | 3,354 |
| Average equity | $21,553,250 | 2,940 |
| Average total loans | $141,141,500 | 2,791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 2,478 |
| Cost of funding earning assets | 1.0910% | 3,308 |
| Net interest margin | 4.0569% | 2,587 |
| Noninterest income to average assets | 0.0871% | 6,892 |
| Noninterest expense to average assets | 2.6989% | 4,827 |
| Loan and lease loss provision to assets | 0.2240% | 3,677 |
| Net operating income to assets | 0.6694% | 3,691 |
| Return on assets (ROA) | 0.6694% | 3,812 |
| Pretax return on assets | 1.1248% | 2,754 |
| Return on Equity (ROE) | 5.0236% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.0236% | 2,995 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6769% | 4,750 |
| Assets per employee ($millions) | 5.5690% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,317 |
| Loan loss allowance to noncurrent loans | 183.5648% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 4,328 |
| Noncurrent loans to loans | 0.9274% | 5,115 |
| Net loans and leases to total assets | 82.2254% | 356 |
| Net loans and leases to deposits | 100.7650% | 456 |
| Net loans and leases to core deposits | 112.1503% | 642 |
| Total domestic deposits to total assets | 81.6011% | 5,316 |
| Equity capital to assets | 12.9802% | 1,526 |
| Core capital (leverage) ratio | 13.5257% | 987 |
| Tier 1 risk-based capital ratio | 14.3224% | 3,920 |
| Total risk-based capital ratio | 15.5767% | 3,896 |
| Memoranda: | ||
| Average total assets | $160,734,330 | 3,677 |
| Average earning assets | $156,916,670 | 3,509 |
| Average equity | $21,419,000 | 2,941 |
| Average total loans | $133,106,330 | 2,982 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 3,067 |
| Cost of funding earning assets | 1.1311% | 3,293 |
| Net interest margin | 3.8783% | 3,253 |
| Noninterest income to average assets | 0.0457% | 7,153 |
| Noninterest expense to average assets | 2.3584% | 6,023 |
| Loan and lease loss provision to assets | 0.1777% | 3,843 |
| Net operating income to assets | 0.7616% | 3,212 |
| Return on assets (ROA) | 0.7616% | 3,279 |
| Pretax return on assets | 1.3048% | 2,029 |
| Return on Equity (ROE) | 5.6376% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.6376% | 2,831 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4012% | 5,780 |
| Assets per employee ($millions) | 5.3889% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 3,058 |
| Loan loss allowance to noncurrent loans | 105.7316% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3732% | 4,231 |
| Noncurrent loans to loans | 1.6865% | 3,956 |
| Net loans and leases to total assets | 79.9711% | 513 |
| Net loans and leases to deposits | 97.3758% | 603 |
| Net loans and leases to core deposits | 107.6320% | 860 |
| Total domestic deposits to total assets | 82.1262% | 5,257 |
| Equity capital to assets | 13.7191% | 1,097 |
| Core capital (leverage) ratio | 13.5753% | 945 |
| Tier 1 risk-based capital ratio | 15.3751% | 3,223 |
| Total risk-based capital ratio | 16.6298% | 3,182 |
| Memoranda: | ||
| Average total assets | $157,566,500 | 3,747 |
| Average earning assets | $154,192,500 | 3,579 |
| Average equity | $21,285,500 | 2,947 |
| Average total loans | $129,783,000 | 3,069 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 3,831 |
| Cost of funding earning assets | 1.4979% | 2,654 |
| Net interest margin | 3.6555% | 4,548 |
| Noninterest income to average assets | 0.0489% | 7,113 |
| Noninterest expense to average assets | 2.6402% | 5,262 |
| Loan and lease loss provision to assets | 0.5283% | 3,036 |
| Net operating income to assets | 0.3105% | 4,899 |
| Return on assets (ROA) | 0.3105% | 5,070 |
| Pretax return on assets | 0.4507% | 4,794 |
| Return on Equity (ROE) | 2.4053% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.4053% | 4,190 |
| Net charge-offs to loans | -0.0091% | 7,308 |
| Credit loss provision to net charge-offs | -7,363.6364% | 7,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9501% | 3,605 |
| Assets per employee ($millions) | 6.1098% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 3,349 |
| Loan loss allowance to noncurrent loans | 102.4697% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 4,314 |
| Noncurrent loans to loans | 1.6218% | 4,071 |
| Net loans and leases to total assets | 81.9117% | 457 |
| Net loans and leases to deposits | 98.8018% | 654 |
| Net loans and leases to core deposits | 108.5002% | 1,015 |
| Total domestic deposits to total assets | 82.9051% | 4,833 |
| Equity capital to assets | 13.3022% | 1,255 |
| Core capital (leverage) ratio | 12.9376% | 1,150 |
| Tier 1 risk-based capital ratio | 15.0443% | 3,220 |
| Total risk-based capital ratio | 16.2983% | 3,175 |
| Memoranda: | ||
| Average total assets | $153,320,800 | 3,821 |
| Average earning assets | $149,745,200 | 3,639 |
| Average equity | $19,790,000 | 3,178 |
| Average total loans | $120,236,000 | 3,310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 4,105 |
| Cost of funding earning assets | 1.5695% | 2,551 |
| Net interest margin | 3.5740% | 4,994 |
| Noninterest income to average assets | 0.0456% | 7,293 |
| Noninterest expense to average assets | 2.4606% | 5,854 |
| Loan and lease loss provision to assets | 0.6933% | 2,213 |
| Net operating income to assets | 0.3800% | 4,838 |
| Return on assets (ROA) | 0.3800% | 5,027 |
| Pretax return on assets | 0.3808% | 5,278 |
| Return on Equity (ROE) | 2.9675% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.9675% | 4,360 |
| Net charge-offs to loans | -0.0125% | 7,295 |
| Credit loss provision to net charge-offs | -7,181.8182% | 7,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6127% | 4,151 |
| Assets per employee ($millions) | 6.5634% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,264 |
| 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 | 78.3035% | 987 |
| Net loans and leases to deposits | 92.5131% | 1,384 |
| Net loans and leases to core deposits | 100.3170% | 1,826 |
| Total domestic deposits to total assets | 84.6404% | 3,807 |
| Equity capital to assets | 12.1126% | 2,084 |
| Core capital (leverage) ratio | 12.0694% | 1,633 |
| Tier 1 risk-based capital ratio | 14.2955% | 3,636 |
| Total risk-based capital ratio | 15.5494% | 3,595 |
| Memoranda: | ||
| Average total assets | $151,937,500 | 3,902 |
| Average earning assets | $148,327,250 | 3,717 |
| Average equity | $19,454,750 | 3,258 |
| Average total loans | $117,215,250 | 3,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 4,457 |
| Cost of funding earning assets | 1.6332% | 2,462 |
| Net interest margin | 3.4660% | 5,381 |
| Noninterest income to average assets | 0.0582% | 7,294 |
| Noninterest expense to average assets | 2.4451% | 5,928 |
| Loan and lease loss provision to assets | 0.8520% | 1,708 |
| Net operating income to assets | 0.1420% | 5,744 |
| Return on assets (ROA) | 0.1420% | 5,856 |
| Pretax return on assets | 0.1420% | 5,898 |
| Return on Equity (ROE) | 1.0873% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.0873% | 5,329 |
| Net charge-offs to loans | -0.0195% | 7,283 |
| Credit loss provision to net charge-offs | -5,727.2727% | 7,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0971% | 3,971 |
| Assets per employee ($millions) | 7.2140% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 3,477 |
| 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 | 75.1558% | 1,659 |
| Net loans and leases to deposits | 89.6555% | 1,919 |
| Net loans and leases to core deposits | 96.4364% | 2,399 |
| Total domestic deposits to total assets | 83.8273% | 4,187 |
| Equity capital to assets | 11.7597% | 2,238 |
| Core capital (leverage) ratio | 12.2717% | 1,509 |
| Tier 1 risk-based capital ratio | 14.2960% | 3,544 |
| Total risk-based capital ratio | 15.5486% | 3,517 |
| Memoranda: | ||
| Average total assets | $147,888,000 | 4,000 |
| Average earning assets | $144,257,330 | 3,813 |
| Average equity | $19,314,670 | 3,268 |
| Average total loans | $112,732,330 | 3,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 5,322 |
| Cost of funding earning assets | 1.6903% | 2,443 |
| Net interest margin | 3.2355% | 6,177 |
| Noninterest income to average assets | 0.0490% | 7,469 |
| Noninterest expense to average assets | 2.5751% | 5,457 |
| Loan and lease loss provision to assets | 0.7201% | 1,770 |
| Net operating income to assets | -0.0979% | 6,430 |
| Return on assets (ROA) | -0.0979% | 6,507 |
| Pretax return on assets | -0.0979% | 6,468 |
| Return on Equity (ROE) | -0.7077% | 6,490 |
| Retained earnings to average equity (ytd only) | -0.7077% | 5,995 |
| Net charge-offs to loans | -0.0303% | 7,199 |
| Credit loss provision to net charge-offs | -3,125.0000% | 6,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5405% | 2,483 |
| Assets per employee ($millions) | 6.2353% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,464 |
| 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 | 77.5330% | 1,238 |
| Net loans and leases to deposits | 92.9010% | 1,486 |
| Net loans and leases to core deposits | 99.4029% | 2,191 |
| Total domestic deposits to total assets | 83.4576% | 4,408 |
| Equity capital to assets | 12.8657% | 1,572 |
| Core capital (leverage) ratio | 13.8121% | 1,002 |
| Tier 1 risk-based capital ratio | 15.2599% | 2,980 |
| Total risk-based capital ratio | 16.5107% | 2,943 |
| Memoranda: | ||
| Average total assets | $138,871,000 | 4,214 |
| Average earning assets | $135,127,000 | 4,054 |
| Average equity | $19,216,000 | 3,303 |
| Average total loans | $105,739,000 | 3,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 4,608 |
| Cost of funding earning assets | 1.9971% | 2,975 |
| Net interest margin | 3.4202% | 5,291 |
| Noninterest income to average assets | 0.0219% | 7,617 |
| Noninterest expense to average assets | 3.3577% | 2,812 |
| Loan and lease loss provision to assets | 0.9642% | 2,344 |
| Net operating income to assets | -0.9791% | 6,563 |
| Return on assets (ROA) | -0.9791% | 6,566 |
| Pretax return on assets | -0.9771% | 6,394 |
| Return on Equity (ROE) | -5.0639% | 6,217 |
| Retained earnings to average equity (ytd only) | -5.0639% | 6,028 |
| Net charge-offs to loans | 0.5308% | 3,660 |
| Credit loss provision to net charge-offs | 219.4570% | 1,720 |
| Earnings coverage of net charge-offs (x) | -0.0294% | 6,247 |
| Efficiency ratio | 100.3863% | 1,081 |
| Assets per employee ($millions) | 5.3373% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,897 |
| 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 | 72.1638% | 2,712 |
| Net loans and leases to deposits | 88.8367% | 2,413 |
| Net loans and leases to core deposits | 136.1118% | 947 |
| Total domestic deposits to total assets | 81.2320% | 5,252 |
| Equity capital to assets | 14.9724% | 918 |
| Core capital (leverage) ratio | 15.7679% | 650 |
| Tier 1 risk-based capital ratio | 18.6674% | 1,725 |
| Total risk-based capital ratio | 19.9184% | 1,688 |
| Memoranda: | ||
| Average total assets | $100,603,600 | 5,076 |
| Average earning assets | $97,741,800 | 4,901 |
| Average equity | $19,451,400 | 3,285 |
| Average total loans | $83,264,800 | 4,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 4,600 |
| Cost of funding earning assets | 2.0540% | 3,098 |
| Net interest margin | 3.4117% | 5,209 |
| Noninterest income to average assets | 0.0228% | 7,758 |
| Noninterest expense to average assets | 3.5206% | 2,226 |
| Loan and lease loss provision to assets | 0.9246% | 2,081 |
| Net operating income to assets | -1.1081% | 6,904 |
| Return on assets (ROA) | -1.1081% | 6,905 |
| Pretax return on assets | -1.1053% | 6,762 |
| Return on Equity (ROE) | -5.3210% | 6,484 |
| Retained earnings to average equity (ytd only) | -5.3210% | 6,293 |
| Net charge-offs to loans | 0.1058% | 5,611 |
| Credit loss provision to net charge-offs | 1,015.6250% | 367 |
| Earnings coverage of net charge-offs (x) | -1.9844% | 6,740 |
| Efficiency ratio | 105.4089% | 874 |
| Assets per employee ($millions) | 4.8213% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,500 |
| Loan loss allowance to noncurrent loans | 359.0000% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,618 |
| Noncurrent loans to loans | 0.4148% | 6,507 |
| Net loans and leases to total assets | 82.0949% | 792 |
| Net loans and leases to deposits | 103.7087% | 796 |
| Net loans and leases to core deposits | 179.6165% | 187 |
| Total domestic deposits to total assets | 79.1591% | 5,747 |
| Equity capital to assets | 16.6606% | 680 |
| Core capital (leverage) ratio | 18.1973% | 440 |
| Tier 1 risk-based capital ratio | 18.9343% | 1,759 |
| Total risk-based capital ratio | 20.1861% | 1,724 |
| Memoranda: | ||
| Average total assets | $93,730,500 | 5,307 |
| Average earning assets | $91,136,250 | 5,125 |
| Average equity | $19,519,500 | 3,312 |
| Average total loans | $80,626,750 | 4,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5692% | 4,222 |
| Cost of funding earning assets | 2.1230% | 3,173 |
| Net interest margin | 3.4462% | 4,998 |
| Noninterest income to average assets | 0.0231% | 7,859 |
| Noninterest expense to average assets | 3.6711% | 1,894 |
| Loan and lease loss provision to assets | 0.8101% | 2,066 |
| Net operating income to assets | -1.1087% | 7,057 |
| Return on assets (ROA) | -1.1087% | 7,057 |
| Pretax return on assets | -1.1064% | 6,884 |
| Return on Equity (ROE) | -4.8878% | 6,594 |
| Retained earnings to average equity (ytd only) | -4.8878% | 6,285 |
| Net charge-offs to loans | 0.1911% | 4,351 |
| Credit loss provision to net charge-offs | 486.1111% | 951 |
| Earnings coverage of net charge-offs (x) | -1.7778% | 6,331 |
| Efficiency ratio | 108.7791% | 884 |
| Assets per employee ($millions) | 4.4450% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 3,929 |
| Loan loss allowance to noncurrent loans | 1,790.4762% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 7,420 |
| Noncurrent loans to loans | 0.0760% | 7,337 |
| Net loans and leases to total assets | 87.5656% | 267 |
| Net loans and leases to deposits | 116.6234% | 315 |
| Net loans and leases to core deposits | 210.8686% | 93 |
| Total domestic deposits to total assets | 75.0841% | 6,750 |
| Equity capital to assets | 20.8515% | 337 |
| Core capital (leverage) ratio | 21.0580% | 313 |
| Tier 1 risk-based capital ratio | 22.3291% | 1,209 |
| Total risk-based capital ratio | 23.5799% | 1,176 |
| Memoranda: | ||
| Average total assets | $86,404,000 | 5,571 |
| Average earning assets | $84,033,670 | 5,414 |
| Average equity | $19,600,000 | 3,308 |
| Average total loans | $75,359,670 | 4,763 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 5,581 |
| Cost of funding earning assets | 2.1277% | 3,524 |
| Net interest margin | 3.2410% | 5,723 |
| Noninterest income to average assets | 0.0289% | 7,936 |
| Noninterest expense to average assets | 3.5306% | 2,027 |
| Loan and lease loss provision to assets | 0.8441% | 1,539 |
| Net operating income to assets | -1.1913% | 7,359 |
| Return on assets (ROA) | -1.1913% | 7,375 |
| Pretax return on assets | -1.1865% | 7,250 |
| Return on Equity (ROE) | -5.0234% | 6,976 |
| Retained earnings to average equity (ytd only) | -5.0234% | 6,549 |
| Net charge-offs to loans | 0.4022% | 2,494 |
| Credit loss provision to net charge-offs | 243.0556% | 1,915 |
| Earnings coverage of net charge-offs (x) | -0.9861% | 5,355 |
| Efficiency ratio | 110.7413% | 791 |
| Assets per employee ($millions) | 4.2926% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 4,942 |
| Loan loss allowance to noncurrent loans | 1,305.4795% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 7,351 |
| Noncurrent loans to loans | 0.0903% | 7,264 |
| Net loans and leases to total assets | 88.6561% | 217 |
| Net loans and leases to deposits | 121.3468% | 263 |
| Net loans and leases to core deposits | 229.8240% | 88 |
| Total domestic deposits to total assets | 73.0601% | 7,039 |
| Equity capital to assets | 21.7361% | 316 |
| Core capital (leverage) ratio | 24.0427% | 255 |
| Tier 1 risk-based capital ratio | 22.9616% | 1,200 |
| Total risk-based capital ratio | 24.0793% | 1,184 |
| Memoranda: | ||
| Average total assets | $82,933,000 | 5,708 |
| Average earning assets | $80,840,000 | 5,523 |
| Average equity | $19,668,000 | 3,309 |
| Average total loans | $71,606,000 | 4,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5703% | 7,153 |
| Cost of funding earning assets | 2.1981% | 5,609 |
| Net interest margin | 3.3722% | 5,776 |
| Noninterest income to average assets | 0.0374% | 7,948 |
| Noninterest expense to average assets | 4.7916% | 716 |
| Loan and lease loss provision to assets | 1.0695% | 1,359 |
| Net operating income to assets | -2.5847% | 7,732 |
| Return on assets (ROA) | -2.5847% | 7,699 |
| Pretax return on assets | -2.5830% | 7,613 |
| Return on Equity (ROE) | -7.1769% | 7,060 |
| Retained earnings to average equity (ytd only) | -7.1769% | 6,800 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.1664% | 368 |
| Assets per employee ($millions) | 3.9853% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 3,400 |
| Loan loss allowance to noncurrent loans | 555.5556% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 6,764 |
| Noncurrent loans to loans | 0.2454% | 6,650 |
| Net loans and leases to total assets | 81.2060% | 1,385 |
| Net loans and leases to deposits | 118.8281% | 417 |
| Net loans and leases to core deposits | 268.2693% | 60 |
| Total domestic deposits to total assets | 68.3390% | 7,436 |
| Equity capital to assets | 26.0720% | 245 |
| Core capital (leverage) ratio | 26.4229% | 237 |
| Tier 1 risk-based capital ratio | 29.3402% | 679 |
| Total risk-based capital ratio | 30.5902% | 664 |
| Memoranda: | ||
| Average total assets | $56,098,400 | 6,523 |
| Average earning assets | $53,910,800 | 6,419 |
| Average equity | $20,203,800 | 3,196 |
| Average total loans | $43,069,000 | 6,020 |