Home > Benchmark Bank > Performance and Condition Ratios
Benchmark Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 793 |
| Cost of funding earning assets | 1.3467% | 2,369 |
| Net interest margin | 4.4826% | 634 |
| Noninterest income to average assets | 1.6500% | 340 |
| Noninterest expense to average assets | 3.9269% | 388 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.7767% | 635 |
| Return on assets (ROA) | 1.7767% | 611 |
| Pretax return on assets | 1.7767% | 916 |
| Return on Equity (ROE) | 18.6000% | 747 |
| Retained earnings to average equity (ytd only) | 3.8681% | 3,007 |
| Net charge-offs to loans | -0.0619% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.5940% | 2,157 |
| Assets per employee ($millions) | 6.8372% | 2,180 |
| Cash dividends to net income (ytd only)* | 79.2014% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 1,649 |
| Loan loss allowance to noncurrent loans | 734.0094% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,776 |
| Noncurrent loans to loans | 0.1812% | 2,607 |
| Net loans and leases to total assets | 61.9000% | 2,684 |
| Net loans and leases to deposits | 69.1094% | 2,942 |
| Net loans and leases to core deposits | 71.5546% | 3,218 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 9.5641% | 2,301 |
| Core capital (leverage) ratio | 9.6093% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7051% | 1,344 |
| Memoranda: | ||
| Average total assets | $1,119,272,000 | 898 |
| Average earning assets | $1,039,767,400 | 886 |
| Average equity | $106,926,200 | 903 |
| Average total loans | $694,949,200 | 969 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 856 |
| Cost of funding earning assets | 1.2077% | 2,408 |
| Net interest margin | 4.4369% | 676 |
| Noninterest income to average assets | 1.6300% | 358 |
| Noninterest expense to average assets | 4.0469% | 349 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6696% | 836 |
| Return on assets (ROA) | 1.6696% | 831 |
| Pretax return on assets | 1.6696% | 1,219 |
| Return on Equity (ROE) | 17.4800% | 1,009 |
| Retained earnings to average equity (ytd only) | 3.8593% | 3,298 |
| Net charge-offs to loans | 0.0004% | 2,651 |
| Credit loss provision to net charge-offs | 17,650.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 7,170.5000% | 6 |
| Efficiency ratio | 70.2753% | 1,752 |
| Assets per employee ($millions) | 6.2776% | 2,507 |
| Cash dividends to net income (ytd only)* | 77.9239% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,498 |
| Loan loss allowance to noncurrent loans | 601.1070% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,713 |
| Noncurrent loans to loans | 0.1954% | 2,577 |
| Net loans and leases to total assets | 64.2000% | 2,421 |
| Net loans and leases to deposits | 72.5018% | 2,682 |
| Net loans and leases to core deposits | 74.7715% | 2,943 |
| Total domestic deposits to total assets | 88.5500% | 1,393 |
| Equity capital to assets | 10.0122% | 1,828 |
| Core capital (leverage) ratio | 9.8292% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8879% | 1,351 |
| Memoranda: | ||
| Average total assets | $1,117,053,750 | 905 |
| Average earning assets | $1,039,775,500 | 890 |
| Average equity | $106,683,500 | 903 |
| Average total loans | $691,765,500 | 971 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 985 |
| Cost of funding earning assets | 1.0427% | 2,471 |
| Net interest margin | 4.3324% | 772 |
| Noninterest income to average assets | 1.7600% | 278 |
| Noninterest expense to average assets | 3.8926% | 367 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.8277% | 626 |
| Return on assets (ROA) | 1.8277% | 624 |
| Pretax return on assets | 1.8277% | 959 |
| Return on Equity (ROE) | 19.4300% | 779 |
| Retained earnings to average equity (ytd only) | 4.8017% | 2,994 |
| Net charge-offs to loans | -0.0055% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1301% | 2,090 |
| Assets per employee ($millions) | 6.2777% | 2,486 |
| Cash dividends to net income (ytd only)* | 75.2896% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,546 |
| Loan loss allowance to noncurrent loans | 620.3606% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,665 |
| Noncurrent loans to loans | 0.1902% | 2,513 |
| Net loans and leases to total assets | 65.1800% | 2,252 |
| Net loans and leases to deposits | 73.5098% | 2,542 |
| Net loans and leases to core deposits | 75.3032% | 2,803 |
| Total domestic deposits to total assets | 88.6700% | 1,359 |
| Equity capital to assets | 10.0215% | 1,850 |
| Core capital (leverage) ratio | 10.0167% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5859% | 1,411 |
| Memoranda: | ||
| Average total assets | $1,133,676,000 | 884 |
| Average earning assets | $1,056,643,333 | 867 |
| Average equity | $106,628,333 | 895 |
| Average total loans | $691,258,667 | 951 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 1,067 |
| Cost of funding earning assets | 0.8353% | 2,578 |
| Net interest margin | 4.2821% | 831 |
| Noninterest income to average assets | 1.4800% | 337 |
| Noninterest expense to average assets | 3.7619% | 422 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6615% | 884 |
| Return on assets (ROA) | 1.6615% | 883 |
| Pretax return on assets | 1.6615% | 1,353 |
| Return on Equity (ROE) | 18.2100% | 998 |
| Retained earnings to average equity (ytd only) | 18.2053% | 496 |
| Net charge-offs to loans | -0.0041% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.7449% | 1,892 |
| Assets per employee ($millions) | 6.6010% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,729 |
| Loan loss allowance to noncurrent loans | 589.7550% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,661 |
| Noncurrent loans to loans | 0.1979% | 2,486 |
| Net loans and leases to total assets | 60.3100% | 2,618 |
| Net loans and leases to deposits | 67.6285% | 2,801 |
| Net loans and leases to core deposits | 69.0956% | 3,016 |
| Total domestic deposits to total assets | 89.1800% | 1,475 |
| Equity capital to assets | 9.7369% | 1,973 |
| Core capital (leverage) ratio | 9.3110% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6888% | 1,215 |
| Memoranda: | ||
| Average total assets | $1,170,048,000 | 882 |
| Average earning assets | $1,091,809,000 | 865 |
| Average equity | $106,782,000 | 906 |
| Average total loans | $686,990,000 | 972 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 2,907 |
| Cost of funding earning assets | 0.1811% | 3,899 |
| Net interest margin | 3.3819% | 2,312 |
| Noninterest income to average assets | 2.7100% | 188 |
| Noninterest expense to average assets | 3.5201% | 479 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.3615% | 169 |
| Return on assets (ROA) | 2.3615% | 164 |
| Pretax return on assets | 2.3615% | 250 |
| Return on Equity (ROE) | 30.6500% | 113 |
| Retained earnings to average equity (ytd only) | 15.6797% | 241 |
| Net charge-offs to loans | -0.0217% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.6289% | 3,108 |
| Assets per employee ($millions) | 6.9183% | 2,025 |
| Cash dividends to net income (ytd only)* | 48.8364% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,586 |
| Loan loss allowance to noncurrent loans | 485.1064% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,747 |
| Noncurrent loans to loans | 0.1966% | 2,496 |
| Net loans and leases to total assets | 56.0700% | 3,022 |
| Net loans and leases to deposits | 61.9477% | 3,202 |
| Net loans and leases to core deposits | 63.2304% | 3,314 |
| Total domestic deposits to total assets | 90.5200% | 1,143 |
| Equity capital to assets | 8.5701% | 2,657 |
| Core capital (leverage) ratio | 8.4956% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2120% | 1,561 |
| Memoranda: | ||
| Average total assets | $1,257,396,600 | 816 |
| Average earning assets | $1,183,587,600 | 799 |
| Average equity | $96,889,400 | 967 |
| Average total loans | $677,385,000 | 933 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2187% | 3,391 |
| Cost of funding earning assets | 0.1221% | 4,108 |
| Net interest margin | 3.0966% | 2,942 |
| Noninterest income to average assets | 3.1000% | 180 |
| Noninterest expense to average assets | 3.6725% | 414 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 2.3266% | 183 |
| Return on assets (ROA) | 2.3266% | 179 |
| Pretax return on assets | 2.3266% | 264 |
| Return on Equity (ROE) | 31.0400% | 90 |
| Retained earnings to average equity (ytd only) | 16.2805% | 259 |
| Net charge-offs to loans | -0.0030% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9171% | 2,990 |
| Assets per employee ($millions) | 7.4593% | 1,642 |
| Cash dividends to net income (ytd only)* | 47.5436% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,697 |
| Loan loss allowance to noncurrent loans | 681.0073% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,138 |
| Noncurrent loans to loans | 0.1391% | 2,934 |
| Net loans and leases to total assets | 54.1400% | 3,087 |
| Net loans and leases to deposits | 59.5932% | 3,233 |
| Net loans and leases to core deposits | 61.3060% | 3,280 |
| Total domestic deposits to total assets | 90.8400% | 1,304 |
| Equity capital to assets | 8.0865% | 2,848 |
| Core capital (leverage) ratio | 8.0531% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9313% | 1,730 |
| Memoranda: | ||
| Average total assets | $1,265,613,000 | 815 |
| Average earning assets | $1,191,815,250 | 806 |
| Average equity | $94,876,000 | 992 |
| Average total loans | $673,420,000 | 932 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8555% | 3,881 |
| Cost of funding earning assets | 0.1048% | 4,140 |
| Net interest margin | 2.7507% | 3,572 |
| Noninterest income to average assets | 3.7338% | 127 |
| Noninterest expense to average assets | 3.7327% | 343 |
| Loan and lease loss provision to assets | 0.0008% | 2,590 |
| Net operating income to assets | 2.5920% | 100 |
| Return on assets (ROA) | 2.5920% | 97 |
| Pretax return on assets | 2.5920% | 150 |
| Return on Equity (ROE) | 35.4951% | 38 |
| Retained earnings to average equity (ytd only) | 17.1609% | 142 |
| Net charge-offs to loans | -0.0021% | 3,139 |
| Credit loss provision to net charge-offs | -71.4286% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8361% | 3,457 |
| Assets per employee ($millions) | 7.6985% | 1,479 |
| Cash dividends to net income (ytd only)* | 51.6529% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,899 |
| Loan loss allowance to noncurrent loans | 637.8406% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,191 |
| Noncurrent loans to loans | 0.1440% | 2,981 |
| Net loans and leases to total assets | 54.0083% | 2,963 |
| Net loans and leases to deposits | 59.1456% | 3,122 |
| Net loans and leases to core deposits | 60.8980% | 3,201 |
| Total domestic deposits to total assets | 91.3142% | 1,099 |
| Equity capital to assets | 7.7389% | 3,314 |
| Core capital (leverage) ratio | 7.6805% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3800% | 1,908 |
| Memoranda: | ||
| Average total assets | $1,269,764,667 | 813 |
| Average earning assets | $1,196,354,333 | 799 |
| Average equity | $92,722,667 | 1,022 |
| Average total loans | $669,596,667 | 928 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5165% | 4,246 |
| Cost of funding earning assets | 0.1033% | 4,096 |
| Net interest margin | 2.4132% | 4,045 |
| Noninterest income to average assets | 1.8138% | 276 |
| Noninterest expense to average assets | 3.5559% | 400 |
| Loan and lease loss provision to assets | -0.0826% | 4,571 |
| Net operating income to assets | 0.6151% | 3,346 |
| Return on assets (ROA) | 0.6151% | 3,330 |
| Pretax return on assets | 0.6151% | 3,594 |
| Return on Equity (ROE) | 8.6800% | 2,445 |
| Retained earnings to average equity (ytd only) | 4.2469% | 2,855 |
| Net charge-offs to loans | -0.0091% | 3,545 |
| Credit loss provision to net charge-offs | 1,753.3333% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7076% | 692 |
| Assets per employee ($millions) | 7.5332% | 1,657 |
| Cash dividends to net income (ytd only)* | 51.0725% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 3,942 |
| 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 | 50.1828% | 3,157 |
| Net loans and leases to deposits | 54.5989% | 3,369 |
| Net loans and leases to core deposits | 56.2318% | 3,430 |
| Total domestic deposits to total assets | 91.9119% | 611 |
| Equity capital to assets | 7.0831% | 4,170 |
| Core capital (leverage) ratio | 7.0062% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8117% | 2,300 |
| Memoranda: | ||
| Average total assets | $1,273,367,500 | 818 |
| Average earning assets | $1,200,223,000 | 803 |
| Average equity | $90,230,000 | 1,083 |
| Average total loans | $660,291,000 | 930 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0819% | 3,720 |
| Cost of funding earning assets | 0.1383% | 4,082 |
| Net interest margin | 2.9436% | 3,340 |
| Noninterest income to average assets | 2.6102% | 219 |
| Noninterest expense to average assets | 4.1284% | 265 |
| Loan and lease loss provision to assets | 0.0336% | 2,380 |
| Net operating income to assets | 1.2130% | 1,886 |
| Return on assets (ROA) | 1.2130% | 1,932 |
| Pretax return on assets | 1.2130% | 2,621 |
| Return on Equity (ROE) | 16.2830% | 709 |
| Retained earnings to average equity (ytd only) | 8.0302% | 1,529 |
| Net charge-offs to loans | -0.0505% | 4,325 |
| Credit loss provision to net charge-offs | -104.9419% | 3,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5662% | 1,061 |
| Assets per employee ($millions) | 7.4917% | 1,625 |
| Cash dividends to net income (ytd only)* | 50.6835% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,965 |
| 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 | 52.5672% | 3,003 |
| Net loans and leases to deposits | 56.7682% | 3,356 |
| Net loans and leases to core deposits | 58.6430% | 3,424 |
| Total domestic deposits to total assets | 92.5997% | 81 |
| Equity capital to assets | 7.0888% | 4,703 |
| Core capital (leverage) ratio | 7.4638% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7298% | 2,350 |
| Memoranda: | ||
| Average total assets | $1,073,538,000 | 912 |
| Average earning assets | $1,008,332,200 | 902 |
| Average equity | $79,972,800 | 1,210 |
| Average total loans | $681,752,400 | 900 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 3,574 |
| Cost of funding earning assets | 0.1517% | 4,093 |
| Net interest margin | 3.0663% | 3,136 |
| Noninterest income to average assets | 2.4000% | 256 |
| Noninterest expense to average assets | 4.0845% | 269 |
| Loan and lease loss provision to assets | -0.0215% | 4,361 |
| Net operating income to assets | 1.2095% | 2,137 |
| Return on assets (ROA) | 1.2095% | 2,193 |
| Pretax return on assets | 1.2095% | 2,895 |
| Return on Equity (ROE) | 15.9972% | 955 |
| Retained earnings to average equity (ytd only) | 8.3443% | 1,933 |
| Net charge-offs to loans | -0.0637% | 4,447 |
| Credit loss provision to net charge-offs | 50.4587% | 1,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2158% | 942 |
| Assets per employee ($millions) | 6.3617% | 2,364 |
| Cash dividends to net income (ytd only)* | 47.8392% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.8113% | 2,393 |
| Net loans and leases to deposits | 64.3737% | 2,811 |
| Net loans and leases to core deposits | 66.9281% | 2,866 |
| Total domestic deposits to total assets | 91.3592% | 270 |
| Equity capital to assets | 8.0122% | 4,518 |
| Core capital (leverage) ratio | 7.7972% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9782% | 2,373 |
| Memoranda: | ||
| Average total assets | $1,025,399,500 | 953 |
| Average earning assets | $960,620,500 | 947 |
| Average equity | $77,528,250 | 1,254 |
| Average total loans | $684,226,000 | 913 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 3,388 |
| Cost of funding earning assets | 0.1659% | 4,081 |
| Net interest margin | 3.1481% | 2,895 |
| Noninterest income to average assets | 2.3142% | 274 |
| Noninterest expense to average assets | 4.0540% | 275 |
| Loan and lease loss provision to assets | -0.0186% | 4,424 |
| Net operating income to assets | 1.2270% | 2,089 |
| Return on assets (ROA) | 1.2270% | 2,157 |
| Pretax return on assets | 1.2270% | 2,838 |
| Return on Equity (ROE) | 16.5916% | 839 |
| Retained earnings to average equity (ytd only) | 13.3473% | 660 |
| Net charge-offs to loans | -0.0898% | 4,592 |
| Credit loss provision to net charge-offs | 29.8077% | 1,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7980% | 1,007 |
| Assets per employee ($millions) | 5.9646% | 2,656 |
| Cash dividends to net income (ytd only)* | 19.5535% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,289 |
| Loan loss allowance to noncurrent loans | 488.5067% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 3,481 |
| Noncurrent loans to loans | 0.1736% | 3,347 |
| Net loans and leases to total assets | 63.7773% | 1,974 |
| Net loans and leases to deposits | 69.0775% | 2,506 |
| Net loans and leases to core deposits | 72.0885% | 2,597 |
| Total domestic deposits to total assets | 92.3272% | 77 |
| Equity capital to assets | 7.1433% | 4,817 |
| Core capital (leverage) ratio | 7.2508% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7928% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,000,340,000 | 964 |
| Average earning assets | $936,833,000 | 957 |
| Average equity | $73,977,333 | 1,301 |
| Average total loans | $694,624,667 | 904 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 2,808 |
| Cost of funding earning assets | 0.1923% | 3,987 |
| Net interest margin | 3.3487% | 2,256 |
| Noninterest income to average assets | 1.9779% | 384 |
| Noninterest expense to average assets | 3.9409% | 299 |
| Loan and lease loss provision to assets | -0.0666% | 4,677 |
| Net operating income to assets | 1.2447% | 1,995 |
| Return on assets (ROA) | 1.2447% | 2,078 |
| Pretax return on assets | 1.2447% | 2,716 |
| Return on Equity (ROE) | 16.5200% | 925 |
| Retained earnings to average equity (ytd only) | 16.5200% | 463 |
| Net charge-offs to loans | -0.1672% | 4,758 |
| Credit loss provision to net charge-offs | 55.1370% | 1,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7278% | 1,063 |
| Assets per employee ($millions) | 6.0921% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 4,364 |
| Loan loss allowance to noncurrent loans | 478.3153% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 3,567 |
| Noncurrent loans to loans | 0.1715% | 3,493 |
| Net loans and leases to total assets | 69.8389% | 1,313 |
| Net loans and leases to deposits | 75.8397% | 1,927 |
| Net loans and leases to core deposits | 79.2779% | 2,069 |
| Total domestic deposits to total assets | 92.0876% | 127 |
| Equity capital to assets | 7.4860% | 4,715 |
| Core capital (leverage) ratio | 7.5401% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4513% | 3,017 |
| Memoranda: | ||
| Average total assets | $966,679,000 | 981 |
| Average earning assets | $906,739,500 | 974 |
| Average equity | $72,833,000 | 1,312 |
| Average total loans | $698,562,500 | 902 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 2,918 |
| Cost of funding earning assets | 0.3292% | 3,980 |
| Net interest margin | 3.6066% | 2,122 |
| Noninterest income to average assets | 2.3886% | 258 |
| Noninterest expense to average assets | 4.4144% | 270 |
| Loan and lease loss provision to assets | 0.0353% | 3,965 |
| Net operating income to assets | 1.3009% | 1,246 |
| Return on assets (ROA) | 1.3009% | 1,344 |
| Pretax return on assets | 1.3009% | 1,974 |
| Return on Equity (ROE) | 15.2671% | 594 |
| Retained earnings to average equity (ytd only) | 7.7034% | 1,143 |
| Net charge-offs to loans | -0.0942% | 4,802 |
| Credit loss provision to net charge-offs | -49.2228% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7633% | 1,146 |
| Assets per employee ($millions) | 5.5641% | 2,777 |
| Cash dividends to net income (ytd only)* | 49.5428% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,420 |
| Loan loss allowance to noncurrent loans | 471.3204% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 3,652 |
| Noncurrent loans to loans | 0.1704% | 3,599 |
| Net loans and leases to total assets | 73.6194% | 1,076 |
| Net loans and leases to deposits | 79.8117% | 1,886 |
| Net loans and leases to core deposits | 83.5360% | 2,078 |
| Total domestic deposits to total assets | 92.2414% | 52 |
| Equity capital to assets | 7.5854% | 4,824 |
| Core capital (leverage) ratio | 7.9196% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1565% | 3,070 |
| Memoranda: | ||
| Average total assets | $806,954,400 | 1,049 |
| Average earning assets | $752,227,800 | 1,044 |
| Average equity | $68,762,200 | 1,306 |
| Average total loans | $614,693,600 | 952 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 2,782 |
| Cost of funding earning assets | 0.3668% | 3,966 |
| Net interest margin | 3.6965% | 1,959 |
| Noninterest income to average assets | 2.1830% | 292 |
| Noninterest expense to average assets | 4.4867% | 253 |
| Loan and lease loss provision to assets | -0.0107% | 4,964 |
| Net operating income to assets | 1.1477% | 1,829 |
| Return on assets (ROA) | 1.1477% | 1,941 |
| Pretax return on assets | 1.1477% | 2,572 |
| Return on Equity (ROE) | 13.0334% | 1,103 |
| Retained earnings to average equity (ytd only) | 8.7255% | 1,065 |
| Net charge-offs to loans | -0.1233% | 4,856 |
| Credit loss provision to net charge-offs | 11.2933% | 2,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7824% | 881 |
| Assets per employee ($millions) | 5.0325% | 3,205 |
| Cash dividends to net income (ytd only)* | 33.0530% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 4,421 |
| Loan loss allowance to noncurrent loans | 194.7466% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,827 |
| Noncurrent loans to loans | 0.3978% | 2,867 |
| Net loans and leases to total assets | 81.6245% | 465 |
| Net loans and leases to deposits | 89.9784% | 1,266 |
| Net loans and leases to core deposits | 92.6366% | 1,742 |
| Total domestic deposits to total assets | 90.7157% | 233 |
| Equity capital to assets | 8.5933% | 4,407 |
| Core capital (leverage) ratio | 8.7173% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5076% | 3,028 |
| Memoranda: | ||
| Average total assets | $773,608,000 | 1,071 |
| Average earning assets | $720,083,000 | 1,061 |
| Average equity | $68,120,500 | 1,307 |
| Average total loans | $593,897,750 | 981 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,019 |
| Cost of funding earning assets | 0.4351% | 3,869 |
| Net interest margin | 3.6782% | 2,245 |
| Noninterest income to average assets | 2.1247% | 271 |
| Noninterest expense to average assets | 4.5878% | 242 |
| Loan and lease loss provision to assets | 0.0538% | 3,632 |
| Net operating income to assets | 0.9089% | 2,657 |
| Return on assets (ROA) | 0.9089% | 2,777 |
| Pretax return on assets | 0.9089% | 3,290 |
| Return on Equity (ROE) | 10.2331% | 1,912 |
| Retained earnings to average equity (ytd only) | 5.9527% | 2,103 |
| Net charge-offs to loans | -0.0310% | 4,558 |
| Credit loss provision to net charge-offs | -231.8182% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6552% | 715 |
| Assets per employee ($millions) | 5.3182% | 2,821 |
| Cash dividends to net income (ytd only)* | 41.8287% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,355 |
| Loan loss allowance to noncurrent loans | 177.0584% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 2,859 |
| Noncurrent loans to loans | 0.4489% | 2,807 |
| Net loans and leases to total assets | 79.2689% | 688 |
| Net loans and leases to deposits | 87.2232% | 1,638 |
| Net loans and leases to core deposits | 89.8706% | 2,081 |
| Total domestic deposits to total assets | 90.8804% | 176 |
| Equity capital to assets | 8.5860% | 4,423 |
| Core capital (leverage) ratio | 9.3356% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7795% | 3,022 |
| Memoranda: | ||
| Average total assets | $758,047,333 | 1,076 |
| Average earning assets | $706,056,333 | 1,065 |
| Average equity | $67,330,667 | 1,310 |
| Average total loans | $566,935,333 | 1,006 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 3,221 |
| Cost of funding earning assets | 0.6384% | 3,235 |
| Net interest margin | 3.5576% | 2,795 |
| Noninterest income to average assets | 2.2784% | 226 |
| Noninterest expense to average assets | 4.7447% | 255 |
| Loan and lease loss provision to assets | -0.1668% | 5,080 |
| Net operating income to assets | 1.0220% | 2,106 |
| Return on assets (ROA) | 1.0220% | 2,206 |
| Pretax return on assets | 1.0220% | 2,772 |
| Return on Equity (ROE) | 11.3052% | 1,324 |
| Retained earnings to average equity (ytd only) | 11.3052% | 518 |
| Net charge-offs to loans | -0.0712% | 4,736 |
| Credit loss provision to net charge-offs | 325.2632% | 1,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7281% | 784 |
| Assets per employee ($millions) | 4.3927% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,334 |
| Loan loss allowance to noncurrent loans | 150.5824% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 2,694 |
| Noncurrent loans to loans | 0.5520% | 2,621 |
| Net loans and leases to total assets | 79.2836% | 780 |
| Net loans and leases to deposits | 88.3693% | 1,715 |
| Net loans and leases to core deposits | 91.6086% | 2,204 |
| Total domestic deposits to total assets | 89.7185% | 409 |
| Equity capital to assets | 9.9763% | 3,811 |
| Core capital (leverage) ratio | 8.8277% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0316% | 2,678 |
| Memoranda: | ||
| Average total assets | $740,867,500 | 1,060 |
| Average earning assets | $691,698,500 | 1,046 |
| Average equity | $66,978,000 | 1,314 |
| Average total loans | $533,821,000 | 1,040 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 2,030 |
| Cost of funding earning assets | 0.6379% | 3,469 |
| Net interest margin | 4.1676% | 1,383 |
| Noninterest income to average assets | 3.1689% | 138 |
| Noninterest expense to average assets | 5.1897% | 188 |
| Loan and lease loss provision to assets | -0.0983% | 5,078 |
| Net operating income to assets | 1.9145% | 421 |
| Return on assets (ROA) | 1.9145% | 438 |
| Pretax return on assets | 1.9145% | 726 |
| Return on Equity (ROE) | 20.8656% | 169 |
| Retained earnings to average equity (ytd only) | 11.3076% | 295 |
| Net charge-offs to loans | -0.0558% | 4,840 |
| Credit loss provision to net charge-offs | 240.3636% | 1,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0373% | 1,596 |
| Assets per employee ($millions) | 5.5616% | 2,014 |
| Cash dividends to net income (ytd only)* | 45.8075% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 3,935 |
| Loan loss allowance to noncurrent loans | 172.7405% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,039 |
| Noncurrent loans to loans | 0.5244% | 2,613 |
| Net loans and leases to total assets | 64.7500% | 3,102 |
| Net loans and leases to deposits | 70.7173% | 3,613 |
| Net loans and leases to core deposits | 73.1991% | 3,783 |
| Total domestic deposits to total assets | 91.5617% | 63 |
| Equity capital to assets | 8.2449% | 4,997 |
| Core capital (leverage) ratio | 8.9389% | 4,572 |
| Tier 1 risk-based capital ratio | 12.4764% | 4,082 |
| Total risk-based capital ratio | 13.3720% | 4,176 |
| Memoranda: | ||
| Average total assets | $672,758,200 | 1,116 |
| Average earning assets | $619,402,400 | 1,112 |
| Average equity | $61,728,400 | 1,355 |
| Average total loans | $492,560,400 | 1,090 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 1,424 |
| Cost of funding earning assets | 0.6082% | 3,652 |
| Net interest margin | 4.4396% | 871 |
| Noninterest income to average assets | 3.2027% | 146 |
| Noninterest expense to average assets | 5.4628% | 165 |
| Loan and lease loss provision to assets | -0.1305% | 5,183 |
| Net operating income to assets | 1.9288% | 461 |
| Return on assets (ROA) | 1.9288% | 481 |
| Pretax return on assets | 1.9288% | 811 |
| Return on Equity (ROE) | 20.3756% | 230 |
| Retained earnings to average equity (ytd only) | 7.4059% | 1,667 |
| Net charge-offs to loans | -0.0883% | 4,972 |
| Credit loss provision to net charge-offs | 195.3271% | 1,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1906% | 1,428 |
| Assets per employee ($millions) | 5.0225% | 2,533 |
| Cash dividends to net income (ytd only)* | 63.6530% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,753 |
| Loan loss allowance to noncurrent loans | 364.0483% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 2,167 |
| Noncurrent loans to loans | 0.2656% | 3,596 |
| Net loans and leases to total assets | 69.2180% | 2,591 |
| Net loans and leases to deposits | 76.4324% | 3,257 |
| Net loans and leases to core deposits | 79.3610% | 3,435 |
| Total domestic deposits to total assets | 90.5610% | 160 |
| Equity capital to assets | 8.7525% | 4,895 |
| Core capital (leverage) ratio | 9.0731% | 4,581 |
| Tier 1 risk-based capital ratio | 12.1953% | 4,315 |
| Total risk-based capital ratio | 13.1371% | 4,360 |
| Memoranda: | ||
| Average total assets | $640,729,250 | 1,165 |
| Average earning assets | $585,718,250 | 1,178 |
| Average equity | $60,652,750 | 1,375 |
| Average total loans | $484,874,000 | 1,109 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 1,069 |
| Cost of funding earning assets | 0.5455% | 3,903 |
| Net interest margin | 4.6166% | 600 |
| Noninterest income to average assets | 3.0984% | 144 |
| Noninterest expense to average assets | 5.5678% | 158 |
| Loan and lease loss provision to assets | -0.1443% | 5,232 |
| Net operating income to assets | 1.8830% | 502 |
| Return on assets (ROA) | 1.8830% | 525 |
| Pretax return on assets | 1.8830% | 864 |
| Return on Equity (ROE) | 19.3297% | 295 |
| Retained earnings to average equity (ytd only) | 7.6753% | 1,529 |
| Net charge-offs to loans | -0.0691% | 4,918 |
| Credit loss provision to net charge-offs | 268.0723% | 968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1598% | 1,375 |
| Assets per employee ($millions) | 4.6847% | 2,898 |
| Cash dividends to net income (ytd only)* | 60.2929% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,636 |
| Loan loss allowance to noncurrent loans | 14,255.8824% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 2,632 |
| Noncurrent loans to loans | 0.0070% | 4,697 |
| Net loans and leases to total assets | 74.3055% | 1,837 |
| Net loans and leases to deposits | 82.6265% | 2,661 |
| Net loans and leases to core deposits | 85.9674% | 2,965 |
| Total domestic deposits to total assets | 89.9294% | 353 |
| Equity capital to assets | 9.4910% | 4,412 |
| Core capital (leverage) ratio | 9.6024% | 4,036 |
| Tier 1 risk-based capital ratio | 12.3268% | 4,230 |
| Total risk-based capital ratio | 13.3007% | 4,273 |
| Memoranda: | ||
| Average total assets | $616,576,000 | 1,200 |
| Average earning assets | $562,015,000 | 1,218 |
| Average equity | $60,063,000 | 1,375 |
| Average total loans | $480,340,330 | 1,122 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 938 |
| Cost of funding earning assets | 0.5088% | 4,021 |
| Net interest margin | 4.6755% | 523 |
| Noninterest income to average assets | 3.0158% | 143 |
| Noninterest expense to average assets | 5.6175% | 156 |
| Loan and lease loss provision to assets | -0.0898% | 5,284 |
| Net operating income to assets | 1.7466% | 665 |
| Return on assets (ROA) | 1.7466% | 687 |
| Pretax return on assets | 1.7466% | 1,099 |
| Return on Equity (ROE) | 17.6856% | 429 |
| Retained earnings to average equity (ytd only) | 4.8943% | 2,951 |
| Net charge-offs to loans | -0.1297% | 5,089 |
| Credit loss provision to net charge-offs | 87.0968% | 1,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1776% | 1,364 |
| Assets per employee ($millions) | 4.5624% | 3,099 |
| Cash dividends to net income (ytd only)* | 72.3258% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 2,610 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 76.7676% | 1,354 |
| Net loans and leases to deposits | 85.3404% | 2,209 |
| Net loans and leases to core deposits | 88.2855% | 2,654 |
| Total domestic deposits to total assets | 89.9547% | 461 |
| Equity capital to assets | 9.6342% | 4,146 |
| Core capital (leverage) ratio | 9.8759% | 3,734 |
| Tier 1 risk-based capital ratio | 12.1478% | 4,382 |
| Total risk-based capital ratio | 13.1936% | 4,386 |
| Memoranda: | ||
| Average total assets | $601,622,000 | 1,221 |
| Average earning assets | $547,964,500 | 1,240 |
| Average equity | $59,415,500 | 1,387 |
| Average total loans | $477,900,500 | 1,130 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 845 |
| Cost of funding earning assets | 0.2895% | 4,620 |
| Net interest margin | 4.8126% | 387 |
| Noninterest income to average assets | 3.6083% | 119 |
| Noninterest expense to average assets | 5.5730% | 150 |
| Loan and lease loss provision to assets | 0.1108% | 1,987 |
| Net operating income to assets | 2.3003% | 220 |
| Return on assets (ROA) | 2.3003% | 209 |
| Pretax return on assets | 2.3003% | 295 |
| Return on Equity (ROE) | 22.8137% | 133 |
| Retained earnings to average equity (ytd only) | 8.7496% | 953 |
| Net charge-offs to loans | -0.0155% | 4,623 |
| Credit loss provision to net charge-offs | -880.2817% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0444% | 2,377 |
| Assets per employee ($millions) | 4.2850% | 3,484 |
| Cash dividends to net income (ytd only)* | 61.6475% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,217 |
| Loan loss allowance to noncurrent loans | 10,906.3830% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 2,422 |
| Noncurrent loans to loans | 0.0099% | 4,763 |
| Net loans and leases to total assets | 80.5133% | 866 |
| Net loans and leases to deposits | 89.8031% | 1,825 |
| Net loans and leases to core deposits | 93.3645% | 2,283 |
| Total domestic deposits to total assets | 89.6554% | 592 |
| Equity capital to assets | 10.1332% | 3,539 |
| Core capital (leverage) ratio | 9.8818% | 3,711 |
| Tier 1 risk-based capital ratio | 12.2150% | 4,287 |
| Total risk-based capital ratio | 13.2756% | 4,301 |
| Memoranda: | ||
| Average total assets | $564,149,200 | 1,259 |
| Average earning assets | $512,943,600 | 1,281 |
| Average equity | $56,882,400 | 1,386 |
| Average total loans | $458,010,200 | 1,133 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 897 |
| Cost of funding earning assets | 0.2597% | 4,729 |
| Net interest margin | 4.7637% | 402 |
| Noninterest income to average assets | 3.8329% | 123 |
| Noninterest expense to average assets | 5.5753% | 153 |
| Loan and lease loss provision to assets | 0.0570% | 2,838 |
| Net operating income to assets | 2.5286% | 156 |
| Return on assets (ROA) | 2.5286% | 154 |
| Pretax return on assets | 2.5286% | 222 |
| Return on Equity (ROE) | 25.1112% | 85 |
| Retained earnings to average equity (ytd only) | 10.4387% | 782 |
| Net charge-offs to loans | -0.0423% | 4,870 |
| Credit loss provision to net charge-offs | -165.9722% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2737% | 2,492 |
| Assets per employee ($millions) | 4.1854% | 3,591 |
| Cash dividends to net income (ytd only)* | 58.4299% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,542 |
| Loan loss allowance to noncurrent loans | 4,296.4286% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 2,526 |
| Noncurrent loans to loans | 0.0242% | 4,792 |
| Net loans and leases to total assets | 78.7721% | 1,203 |
| Net loans and leases to deposits | 88.2327% | 2,124 |
| Net loans and leases to core deposits | 91.5379% | 2,524 |
| Total domestic deposits to total assets | 89.2777% | 736 |
| Equity capital to assets | 10.0532% | 3,583 |
| Core capital (leverage) ratio | 10.2291% | 3,366 |
| Tier 1 risk-based capital ratio | 12.1462% | 4,413 |
| Total risk-based capital ratio | 13.1514% | 4,433 |
| Memoranda: | ||
| Average total assets | $559,497,500 | 1,271 |
| Average earning assets | $508,328,000 | 1,297 |
| Average equity | $56,340,000 | 1,397 |
| Average total loans | $453,932,250 | 1,142 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 836 |
| Cost of funding earning assets | 0.2443% | 4,777 |
| Net interest margin | 4.7513% | 390 |
| Noninterest income to average assets | 4.4581% | 105 |
| Noninterest expense to average assets | 5.6275% | 156 |
| Loan and lease loss provision to assets | 0.0634% | 2,634 |
| Net operating income to assets | 3.0797% | 77 |
| Return on assets (ROA) | 3.0797% | 77 |
| Pretax return on assets | 3.0797% | 105 |
| Return on Equity (ROE) | 30.5658% | 37 |
| Retained earnings to average equity (ytd only) | 12.2285% | 488 |
| Net charge-offs to loans | -0.0949% | 5,143 |
| Credit loss provision to net charge-offs | -81.7757% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1223% | 3,298 |
| Assets per employee ($millions) | 3.7548% | 4,273 |
| Cash dividends to net income (ytd only)* | 59.9929% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,580 |
| Loan loss allowance to noncurrent loans | 5,236.9565% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 2,474 |
| Noncurrent loans to loans | 0.0199% | 4,847 |
| Net loans and leases to total assets | 83.4096% | 530 |
| Net loans and leases to deposits | 93.8251% | 1,375 |
| Net loans and leases to core deposits | 97.3666% | 1,935 |
| Total domestic deposits to total assets | 88.8990% | 974 |
| Equity capital to assets | 10.4846% | 3,135 |
| Core capital (leverage) ratio | 10.0286% | 3,549 |
| Tier 1 risk-based capital ratio | 11.9759% | 4,514 |
| Total risk-based capital ratio | 12.9859% | 4,539 |
| Memoranda: | ||
| Average total assets | $552,071,000 | 1,287 |
| Average earning assets | $501,085,000 | 1,313 |
| Average equity | $55,624,330 | 1,412 |
| Average total loans | $450,879,670 | 1,145 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,229 |
| Cost of funding earning assets | 0.2117% | 4,944 |
| Net interest margin | 4.5209% | 590 |
| Noninterest income to average assets | 5.5869% | 90 |
| Noninterest expense to average assets | 5.4071% | 178 |
| Loan and lease loss provision to assets | 0.0744% | 2,278 |
| Net operating income to assets | 4.2216% | 46 |
| Return on assets (ROA) | 4.2216% | 45 |
| Pretax return on assets | 4.2216% | 60 |
| Return on Equity (ROE) | 42.7580% | 17 |
| Retained earnings to average equity (ytd only) | 9.1191% | 1,420 |
| Net charge-offs to loans | -0.2632% | 5,426 |
| Credit loss provision to net charge-offs | -35.1536% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6887% | 4,621 |
| Assets per employee ($millions) | 4.2578% | 3,553 |
| Cash dividends to net income (ytd only)* | 78.6728% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,485 |
| Loan loss allowance to noncurrent loans | 2,487.6289% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 2,556 |
| Noncurrent loans to loans | 0.0436% | 4,779 |
| Net loans and leases to total assets | 78.3680% | 1,179 |
| Net loans and leases to deposits | 87.3041% | 2,014 |
| Net loans and leases to core deposits | 90.9496% | 2,378 |
| Total domestic deposits to total assets | 89.7644% | 754 |
| Equity capital to assets | 9.8433% | 3,755 |
| Core capital (leverage) ratio | 10.2270% | 3,268 |
| Tier 1 risk-based capital ratio | 11.7053% | 4,737 |
| Total risk-based capital ratio | 12.7330% | 4,768 |
| Memoranda: | ||
| Average total assets | $554,009,000 | 1,292 |
| Average earning assets | $504,408,500 | 1,318 |
| Average equity | $54,698,500 | 1,434 |
| Average total loans | $445,287,000 | 1,162 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,699 |
| Cost of funding earning assets | 0.2222% | 4,774 |
| Net interest margin | 4.2808% | 1,009 |
| Noninterest income to average assets | 4.1851% | 126 |
| Noninterest expense to average assets | 5.7555% | 158 |
| Loan and lease loss provision to assets | 0.6362% | 196 |
| Net operating income to assets | 1.7661% | 462 |
| Return on assets (ROA) | 1.7661% | 469 |
| Pretax return on assets | 1.7661% | 864 |
| Return on Equity (ROE) | 18.0981% | 297 |
| Retained earnings to average equity (ytd only) | 5.8785% | 1,611 |
| Net charge-offs to loans | 0.6987% | 306 |
| Credit loss provision to net charge-offs | 111.7268% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.2188% | 3,502 |
| Efficiency ratio | 70.5069% | 2,468 |
| Assets per employee ($millions) | 4.1052% | 3,804 |
| Cash dividends to net income (ytd only)* | 67.5184% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,981 |
| Loan loss allowance to noncurrent loans | 3,141.1348% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 2,562 |
| Noncurrent loans to loans | 0.0317% | 4,868 |
| Net loans and leases to total assets | 80.7467% | 870 |
| Net loans and leases to deposits | 89.8118% | 1,800 |
| Net loans and leases to core deposits | 94.1718% | 2,179 |
| Total domestic deposits to total assets | 89.9066% | 601 |
| Equity capital to assets | 9.9040% | 3,815 |
| Core capital (leverage) ratio | 9.4274% | 4,127 |
| Tier 1 risk-based capital ratio | 11.6317% | 4,767 |
| Total risk-based capital ratio | 12.5906% | 4,833 |
| Memoranda: | ||
| Average total assets | $545,094,200 | 1,290 |
| Average earning assets | $505,862,800 | 1,285 |
| Average equity | $53,193,400 | 1,450 |
| Average total loans | $444,280,800 | 1,141 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 1,943 |
| Cost of funding earning assets | 0.2237% | 4,781 |
| Net interest margin | 4.1840% | 1,195 |
| Noninterest income to average assets | 4.6133% | 127 |
| Noninterest expense to average assets | 6.0275% | 150 |
| Loan and lease loss provision to assets | 0.2442% | 711 |
| Net operating income to assets | 2.2371% | 199 |
| Return on assets (ROA) | 2.2371% | 199 |
| Pretax return on assets | 2.2371% | 330 |
| Return on Equity (ROE) | 23.0099% | 107 |
| Retained earnings to average equity (ytd only) | 9.5442% | 694 |
| Net charge-offs to loans | 0.2841% | 763 |
| Credit loss provision to net charge-offs | 105.4968% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.7188% | 2,564 |
| Efficiency ratio | 70.7955% | 2,399 |
| Assets per employee ($millions) | 3.9417% | 4,088 |
| Cash dividends to net income (ytd only)* | 58.5211% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,554 |
| Loan loss allowance to noncurrent loans | 973.2861% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 2,339 |
| Noncurrent loans to loans | 0.0927% | 4,696 |
| Net loans and leases to total assets | 81.3739% | 779 |
| Net loans and leases to deposits | 91.0879% | 1,678 |
| Net loans and leases to core deposits | 95.7951% | 2,097 |
| Total domestic deposits to total assets | 89.3356% | 731 |
| Equity capital to assets | 9.8493% | 4,086 |
| Core capital (leverage) ratio | 9.7927% | 3,831 |
| Tier 1 risk-based capital ratio | 11.5358% | 4,940 |
| Total risk-based capital ratio | 12.4090% | 5,053 |
| Memoranda: | ||
| Average total assets | $544,870,250 | 1,303 |
| Average earning assets | $507,287,500 | 1,294 |
| Average equity | $52,973,000 | 1,465 |
| Average total loans | $444,026,500 | 1,149 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,112 |
| Cost of funding earning assets | 0.2225% | 4,783 |
| Net interest margin | 4.0805% | 1,381 |
| Noninterest income to average assets | 4.8667% | 117 |
| Noninterest expense to average assets | 6.1593% | 151 |
| Loan and lease loss provision to assets | 0.3359% | 438 |
| Net operating income to assets | 2.1869% | 217 |
| Return on assets (ROA) | 2.1869% | 221 |
| Pretax return on assets | 2.1869% | 363 |
| Return on Equity (ROE) | 22.5948% | 117 |
| Retained earnings to average equity (ytd only) | 10.1864% | 547 |
| Net charge-offs to loans | 0.3810% | 541 |
| Credit loss provision to net charge-offs | 108.4726% | 1,908 |
| Earnings coverage of net charge-offs (x) | 8.1468% | 2,532 |
| Efficiency ratio | 70.9002% | 2,526 |
| Assets per employee ($millions) | 4.0930% | 3,800 |
| Cash dividends to net income (ytd only)* | 54.9172% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,497 |
| Loan loss allowance to noncurrent loans | 1,230.9524% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 2,413 |
| Noncurrent loans to loans | 0.0758% | 4,830 |
| Net loans and leases to total assets | 80.0313% | 949 |
| Net loans and leases to deposits | 89.6136% | 1,788 |
| Net loans and leases to core deposits | 95.2422% | 2,047 |
| Total domestic deposits to total assets | 89.3071% | 804 |
| Equity capital to assets | 9.7760% | 4,144 |
| Core capital (leverage) ratio | 9.6820% | 3,910 |
| Tier 1 risk-based capital ratio | 11.7967% | 4,760 |
| Total risk-based capital ratio | 12.7128% | 4,875 |
| Memoranda: | ||
| Average total assets | $541,232,000 | 1,315 |
| Average earning assets | $506,070,670 | 1,303 |
| Average equity | $52,383,670 | 1,483 |
| Average total loans | $439,908,330 | 1,160 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,370 |
| Cost of funding earning assets | 0.2177% | 4,819 |
| Net interest margin | 3.9558% | 1,589 |
| Noninterest income to average assets | 5.2320% | 111 |
| Noninterest expense to average assets | 5.8488% | 171 |
| Loan and lease loss provision to assets | 0.0216% | 3,300 |
| Net operating income to assets | 3.0788% | 89 |
| Return on assets (ROA) | 3.0788% | 90 |
| Pretax return on assets | 3.0788% | 124 |
| Return on Equity (ROE) | 31.9740% | 35 |
| Retained earnings to average equity (ytd only) | 12.6567% | 410 |
| Net charge-offs to loans | 0.0046% | 2,818 |
| Credit loss provision to net charge-offs | 580.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 833.4000% | 56 |
| Efficiency ratio | 65.3143% | 3,613 |
| Assets per employee ($millions) | 3.8398% | 4,284 |
| Cash dividends to net income (ytd only)* | 60.4157% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,485 |
| Loan loss allowance to noncurrent loans | 384.6660% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 2,222 |
| Noncurrent loans to loans | 0.2501% | 4,215 |
| Net loans and leases to total assets | 75.0993% | 1,561 |
| Net loans and leases to deposits | 83.3596% | 2,356 |
| Net loans and leases to core deposits | 88.5024% | 2,495 |
| Total domestic deposits to total assets | 90.0907% | 619 |
| Equity capital to assets | 9.3802% | 4,415 |
| Core capital (leverage) ratio | 9.7105% | 3,864 |
| Tier 1 risk-based capital ratio | 12.2001% | 4,579 |
| Total risk-based capital ratio | 13.1554% | 4,679 |
| Memoranda: | ||
| Average total assets | $537,619,000 | 1,325 |
| Average earning assets | $505,187,000 | 1,305 |
| Average equity | $51,767,000 | 1,495 |
| Average total loans | $438,325,500 | 1,163 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 752 |
| Cost of funding earning assets | 0.2362% | 4,690 |
| Net interest margin | 4.6549% | 453 |
| Noninterest income to average assets | 4.2656% | 140 |
| Noninterest expense to average assets | 7.0485% | 130 |
| Loan and lease loss provision to assets | 0.6838% | 185 |
| Net operating income to assets | 0.8607% | 3,020 |
| Return on assets (ROA) | 0.8607% | 3,131 |
| Pretax return on assets | 0.8607% | 3,970 |
| Return on Equity (ROE) | 9.1006% | 2,369 |
| Retained earnings to average equity (ytd only) | 8.8474% | 616 |
| Net charge-offs to loans | 0.5456% | 438 |
| Credit loss provision to net charge-offs | 141.2906% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.1912% | 3,710 |
| Efficiency ratio | 81.9810% | 1,200 |
| Assets per employee ($millions) | 3.5492% | 4,679 |
| Cash dividends to net income (ytd only)* | 2.7827% | 4,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 4,783 |
| Loan loss allowance to noncurrent loans | 435.2248% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 2,148 |
| Noncurrent loans to loans | 0.2068% | 4,417 |
| Net loans and leases to total assets | 86.9526% | 185 |
| Net loans and leases to deposits | 96.9214% | 916 |
| Net loans and leases to core deposits | 104.8092% | 1,222 |
| Total domestic deposits to total assets | 89.7146% | 766 |
| Equity capital to assets | 9.8999% | 3,818 |
| Core capital (leverage) ratio | 9.4062% | 4,216 |
| Tier 1 risk-based capital ratio | 11.1543% | 5,252 |
| Total risk-based capital ratio | 12.0505% | 5,339 |
| Memoranda: | ||
| Average total assets | $521,901,000 | 1,316 |
| Average earning assets | $485,189,600 | 1,303 |
| Average equity | $49,359,200 | 1,537 |
| Average total loans | $462,983,400 | 1,049 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 662 |
| Cost of funding earning assets | 0.2383% | 4,722 |
| Net interest margin | 4.7094% | 426 |
| Noninterest income to average assets | 4.3170% | 143 |
| Noninterest expense to average assets | 6.9679% | 135 |
| Loan and lease loss provision to assets | 0.2872% | 608 |
| Net operating income to assets | 1.4341% | 998 |
| Return on assets (ROA) | 1.4341% | 1,046 |
| Pretax return on assets | 1.4341% | 1,926 |
| Return on Equity (ROE) | 15.3394% | 628 |
| Retained earnings to average equity (ytd only) | 15.3394% | 126 |
| Net charge-offs to loans | 0.1256% | 1,708 |
| Credit loss provision to net charge-offs | 256.9476% | 1,175 |
| Earnings coverage of net charge-offs (x) | 15.4009% | 2,181 |
| Efficiency ratio | 80.1471% | 1,422 |
| Assets per employee ($millions) | 3.1585% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 5,200 |
| Loan loss allowance to noncurrent loans | 243.5039% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 2,093 |
| Noncurrent loans to loans | 0.3263% | 4,089 |
| Net loans and leases to total assets | 87.8437% | 141 |
| Net loans and leases to deposits | 98.5662% | 804 |
| Net loans and leases to core deposits | 106.9275% | 1,115 |
| Total domestic deposits to total assets | 89.1215% | 840 |
| Equity capital to assets | 9.8991% | 4,240 |
| Core capital (leverage) ratio | 9.4183% | 4,300 |
| Tier 1 risk-based capital ratio | 10.8861% | 5,435 |
| Total risk-based capital ratio | 11.6652% | 5,583 |
| Memoranda: | ||
| Average total assets | $523,718,250 | 1,315 |
| Average earning assets | $486,224,500 | 1,307 |
| Average equity | $48,962,000 | 1,559 |
| Average total loans | $465,841,500 | 1,039 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 743 |
| Cost of funding earning assets | 0.2381% | 4,773 |
| Net interest margin | 4.6491% | 461 |
| Noninterest income to average assets | 4.3000% | 148 |
| Noninterest expense to average assets | 7.2678% | 129 |
| Loan and lease loss provision to assets | 0.2335% | 859 |
| Net operating income to assets | 1.1040% | 1,943 |
| Return on assets (ROA) | 1.1040% | 2,067 |
| Pretax return on assets | 1.1040% | 3,184 |
| Return on Equity (ROE) | 12.0474% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.0474% | 319 |
| Net charge-offs to loans | -0.0675% | 5,480 |
| Credit loss provision to net charge-offs | -388.5350% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4128% | 1,010 |
| Assets per employee ($millions) | 3.1825% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 5,316 |
| Loan loss allowance to noncurrent loans | 157.8092% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1117% | 1,904 |
| Noncurrent loans to loans | 0.4970% | 3,589 |
| Net loans and leases to total assets | 88.0715% | 132 |
| Net loans and leases to deposits | 98.2482% | 864 |
| Net loans and leases to core deposits | 106.0793% | 1,176 |
| Total domestic deposits to total assets | 89.6419% | 621 |
| Equity capital to assets | 9.0893% | 5,174 |
| Core capital (leverage) ratio | 9.0841% | 4,736 |
| Tier 1 risk-based capital ratio | 9.8953% | 5,877 |
| Total risk-based capital ratio | 10.6589% | 5,947 |
| Memoranda: | ||
| Average total assets | $522,467,670 | 1,327 |
| Average earning assets | $483,840,330 | 1,317 |
| Average equity | $47,877,670 | 1,583 |
| Average total loans | $465,435,330 | 1,036 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 796 |
| Cost of funding earning assets | 0.2306% | 4,898 |
| Net interest margin | 4.6015% | 497 |
| Noninterest income to average assets | 3.9742% | 153 |
| Noninterest expense to average assets | 7.2448% | 133 |
| Loan and lease loss provision to assets | 0.1876% | 1,058 |
| Net operating income to assets | 0.7858% | 3,314 |
| Return on assets (ROA) | 0.7858% | 3,424 |
| Pretax return on assets | 0.7858% | 4,247 |
| Return on Equity (ROE) | 8.5379% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.5379% | 1,249 |
| Net charge-offs to loans | -0.1647% | 5,794 |
| Credit loss provision to net charge-offs | -127.6596% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1077% | 808 |
| Assets per employee ($millions) | 3.3395% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,552 |
| Loan loss allowance to noncurrent loans | 153.4698% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 1,981 |
| Noncurrent loans to loans | 0.4716% | 3,764 |
| Net loans and leases to total assets | 89.6806% | 68 |
| Net loans and leases to deposits | 107.9239% | 284 |
| Net loans and leases to core deposits | 115.2577% | 624 |
| Total domestic deposits to total assets | 83.0961% | 3,862 |
| Equity capital to assets | 9.0189% | 5,153 |
| Core capital (leverage) ratio | 9.6015% | 4,035 |
| Tier 1 risk-based capital ratio | 9.6345% | 5,984 |
| Total risk-based capital ratio | 10.3384% | 6,043 |
| Memoranda: | ||
| Average total assets | $511,596,500 | 1,346 |
| Average earning assets | $471,849,000 | 1,344 |
| Average equity | $47,084,000 | 1,597 |
| Average total loans | $456,611,500 | 1,062 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 696 |
| Cost of funding earning assets | 0.2205% | 5,090 |
| Net interest margin | 4.7250% | 435 |
| Noninterest income to average assets | 4.6447% | 137 |
| Noninterest expense to average assets | 7.9221% | 111 |
| Loan and lease loss provision to assets | 0.1713% | 1,336 |
| Net operating income to assets | 0.8525% | 3,101 |
| Return on assets (ROA) | 0.8525% | 3,172 |
| Pretax return on assets | 0.8525% | 4,011 |
| Return on Equity (ROE) | 8.9435% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.6360% | 1,993 |
| Net charge-offs to loans | 0.0281% | 3,658 |
| Credit loss provision to net charge-offs | 727.6786% | 461 |
| Earnings coverage of net charge-offs (x) | 43.4911% | 1,096 |
| Efficiency ratio | 88.5085% | 800 |
| Assets per employee ($millions) | 3.1971% | 5,298 |
| Cash dividends to net income (ytd only)* | 36.9822% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 5,645 |
| Loan loss allowance to noncurrent loans | 191.5082% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 1,949 |
| Noncurrent loans to loans | 0.3614% | 4,158 |
| Net loans and leases to total assets | 87.4902% | 147 |
| Net loans and leases to deposits | 105.0011% | 393 |
| Net loans and leases to core deposits | 109.5506% | 883 |
| Total domestic deposits to total assets | 83.3232% | 3,733 |
| Equity capital to assets | 9.3997% | 4,673 |
| Core capital (leverage) ratio | 9.4267% | 4,283 |
| Tier 1 risk-based capital ratio | 9.8875% | 5,974 |
| Total risk-based capital ratio | 10.5338% | 6,073 |
| Memoranda: | ||
| Average total assets | $475,772,600 | 1,423 |
| Average earning assets | $433,101,400 | 1,443 |
| Average equity | $45,351,200 | 1,625 |
| Average total loans | $398,026,600 | 1,160 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 684 |
| Cost of funding earning assets | 0.2192% | 5,194 |
| Net interest margin | 4.7327% | 431 |
| Noninterest income to average assets | 5.2938% | 122 |
| Noninterest expense to average assets | 8.3392% | 103 |
| Loan and lease loss provision to assets | 0.0892% | 2,375 |
| Net operating income to assets | 1.1701% | 1,753 |
| Return on assets (ROA) | 1.1701% | 1,823 |
| Pretax return on assets | 1.1701% | 2,931 |
| Return on Equity (ROE) | 12.2308% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.2308% | 338 |
| Net charge-offs to loans | -0.0117% | 5,042 |
| Credit loss provision to net charge-offs | -926.4706% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8358% | 948 |
| Assets per employee ($millions) | 3.1095% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 5,871 |
| Loan loss allowance to noncurrent loans | 223.1799% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 2,310 |
| Noncurrent loans to loans | 0.2757% | 4,593 |
| Net loans and leases to total assets | 84.9937% | 305 |
| Net loans and leases to deposits | 101.4330% | 581 |
| Net loans and leases to core deposits | 105.5485% | 1,133 |
| Total domestic deposits to total assets | 83.7930% | 3,510 |
| Equity capital to assets | 9.5013% | 4,749 |
| Core capital (leverage) ratio | 9.1359% | 4,831 |
| Tier 1 risk-based capital ratio | 9.5456% | 6,137 |
| Total risk-based capital ratio | 10.1181% | 6,190 |
| Memoranda: | ||
| Average total assets | $470,826,750 | 1,442 |
| Average earning assets | $428,245,000 | 1,457 |
| Average equity | $45,043,750 | 1,653 |
| Average total loans | $388,387,000 | 1,185 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 614 |
| Cost of funding earning assets | 0.2231% | 5,222 |
| Net interest margin | 4.7549% | 392 |
| Noninterest income to average assets | 4.8424% | 134 |
| Noninterest expense to average assets | 7.7386% | 121 |
| Loan and lease loss provision to assets | 0.0427% | 3,254 |
| Net operating income to assets | 1.3901% | 1,112 |
| Return on assets (ROA) | 1.3901% | 1,148 |
| Pretax return on assets | 1.3901% | 2,016 |
| Return on Equity (ROE) | 14.4935% | 823 |
| Retained earnings to average equity (ytd only) | 14.4935% | 212 |
| Net charge-offs to loans | -0.0070% | 4,830 |
| Credit loss provision to net charge-offs | -753.8462% | 5,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3298% | 1,228 |
| Assets per employee ($millions) | 2.9258% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 5,995 |
| Loan loss allowance to noncurrent loans | 124.6920% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 2,048 |
| Noncurrent loans to loans | 0.4703% | 4,068 |
| Net loans and leases to total assets | 85.3067% | 276 |
| Net loans and leases to deposits | 104.1451% | 443 |
| Net loans and leases to core deposits | 108.5011% | 925 |
| Total domestic deposits to total assets | 81.9113% | 4,318 |
| Equity capital to assets | 9.7802% | 4,299 |
| Core capital (leverage) ratio | 9.3723% | 4,459 |
| Tier 1 risk-based capital ratio | 9.6928% | 6,161 |
| Total risk-based capital ratio | 10.2374% | 6,240 |
| Memoranda: | ||
| Average total assets | $458,819,670 | 1,479 |
| Average earning assets | $417,714,670 | 1,501 |
| Average equity | $44,006,000 | 1,689 |
| Average total loans | $373,364,000 | 1,237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 1,381 |
| Cost of funding earning assets | 0.2281% | 5,236 |
| Net interest margin | 4.3011% | 877 |
| Noninterest income to average assets | 3.8411% | 168 |
| Noninterest expense to average assets | 7.9050% | 120 |
| Loan and lease loss provision to assets | 0.0725% | 2,488 |
| Net operating income to assets | -0.2202% | 6,154 |
| Return on assets (ROA) | -0.2202% | 6,178 |
| Pretax return on assets | -0.2202% | 6,165 |
| Return on Equity (ROE) | -2.3206% | 6,187 |
| Retained earnings to average equity (ytd only) | -2.3206% | 5,724 |
| Net charge-offs to loans | 0.0351% | 2,511 |
| Credit loss provision to net charge-offs | 261.2903% | 899 |
| Earnings coverage of net charge-offs (x) | -5.3226% | 3,233 |
| Efficiency ratio | 101.8463% | 320 |
| Assets per employee ($millions) | 2.8312% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6312% | 6,016 |
| Loan loss allowance to noncurrent loans | 176.5276% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 2,401 |
| Noncurrent loans to loans | 0.3576% | 4,526 |
| Net loans and leases to total assets | 77.9448% | 936 |
| Net loans and leases to deposits | 86.7128% | 1,753 |
| Net loans and leases to core deposits | 90.0116% | 2,130 |
| Total domestic deposits to total assets | 89.8884% | 793 |
| Equity capital to assets | 8.8363% | 5,460 |
| Core capital (leverage) ratio | 8.5709% | 5,455 |
| Tier 1 risk-based capital ratio | 9.1875% | 6,301 |
| Total risk-based capital ratio | 9.7527% | 6,339 |
| Memoranda: | ||
| Average total assets | $446,854,500 | 1,532 |
| Average earning assets | $406,877,000 | 1,535 |
| Average equity | $42,402,000 | 1,753 |
| Average total loans | $352,922,500 | 1,285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,821 |
| Cost of funding earning assets | 0.2653% | 5,159 |
| Net interest margin | 4.2471% | 1,171 |
| Noninterest income to average assets | 5.3858% | 115 |
| Noninterest expense to average assets | 8.6659% | 93 |
| Loan and lease loss provision to assets | 0.0033% | 4,536 |
| Net operating income to assets | 0.6011% | 4,364 |
| Return on assets (ROA) | 0.6011% | 4,455 |
| Pretax return on assets | 0.6011% | 4,938 |
| Return on Equity (ROE) | 6.1351% | 4,082 |
| Retained earnings to average equity (ytd only) | 2.8666% | 4,197 |
| Net charge-offs to loans | -0.0063% | 5,499 |
| Credit loss provision to net charge-offs | -73.6842% | 5,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4751% | 624 |
| Assets per employee ($millions) | 2.6963% | 6,026 |
| Cash dividends to net income (ytd only)* | 53.2755% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 5,987 |
| Loan loss allowance to noncurrent loans | 159.9310% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2988% | 2,171 |
| Noncurrent loans to loans | 0.4387% | 4,331 |
| Net loans and leases to total assets | 79.0423% | 881 |
| Net loans and leases to deposits | 89.2611% | 1,591 |
| Net loans and leases to core deposits | 94.2791% | 1,893 |
| Total domestic deposits to total assets | 88.5518% | 1,495 |
| Equity capital to assets | 10.2411% | 3,801 |
| Core capital (leverage) ratio | 9.4226% | 4,355 |
| Tier 1 risk-based capital ratio | 12.0996% | 5,297 |
| Total risk-based capital ratio | 12.7870% | 5,554 |
| Memoranda: | ||
| Average total assets | $421,573,000 | 1,574 |
| Average earning assets | $385,580,000 | 1,576 |
| Average equity | $41,303,600 | 1,733 |
| Average total loans | $301,188,000 | 1,421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,487 |
| Cost of funding earning assets | 0.2746% | 5,157 |
| Net interest margin | 4.0583% | 1,696 |
| Noninterest income to average assets | 5.7033% | 107 |
| Noninterest expense to average assets | 8.7092% | 91 |
| Loan and lease loss provision to assets | 0.0016% | 4,378 |
| Net operating income to assets | 0.7130% | 3,873 |
| Return on assets (ROA) | 0.7130% | 3,976 |
| Pretax return on assets | 0.7130% | 4,663 |
| Return on Equity (ROE) | 7.3595% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.9204% | 3,136 |
| Net charge-offs to loans | -0.0195% | 5,603 |
| Credit loss provision to net charge-offs | -11.6279% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4170% | 679 |
| Assets per employee ($millions) | 2.2577% | 6,361 |
| Cash dividends to net income (ytd only)* | 33.1420% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 6,056 |
| Loan loss allowance to noncurrent loans | 233.4000% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 3,713 |
| Noncurrent loans to loans | 0.3093% | 4,981 |
| Net loans and leases to total assets | 75.2111% | 1,332 |
| Net loans and leases to deposits | 85.0730% | 2,021 |
| Net loans and leases to core deposits | 89.2933% | 2,289 |
| Total domestic deposits to total assets | 88.4077% | 1,549 |
| Equity capital to assets | 10.0430% | 4,112 |
| Core capital (leverage) ratio | 9.5320% | 4,327 |
| Tier 1 risk-based capital ratio | 13.1035% | 4,798 |
| Total risk-based capital ratio | 13.8390% | 5,041 |
| Memoranda: | ||
| Average total assets | $423,157,000 | 1,580 |
| Average earning assets | $387,937,000 | 1,580 |
| Average equity | $40,998,250 | 1,752 |
| Average total loans | $293,852,000 | 1,459 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,715 |
| Cost of funding earning assets | 0.2918% | 5,052 |
| Net interest margin | 3.7119% | 2,910 |
| Noninterest income to average assets | 5.4117% | 113 |
| Noninterest expense to average assets | 8.5294% | 94 |
| Loan and lease loss provision to assets | 0.0024% | 4,169 |
| Net operating income to assets | 0.2924% | 5,590 |
| Return on assets (ROA) | 0.2924% | 5,659 |
| Pretax return on assets | 0.2924% | 5,791 |
| Return on Equity (ROE) | 3.0560% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.0560% | 4,260 |
| Net charge-offs to loans | 0.0056% | 4,187 |
| Credit loss provision to net charge-offs | 62.5000% | 2,601 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 680 |
| Efficiency ratio | 96.6591% | 529 |
| Assets per employee ($millions) | 2.0441% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 6,176 |
| Loan loss allowance to noncurrent loans | 229.4472% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 3,625 |
| Noncurrent loans to loans | 0.3050% | 5,099 |
| Net loans and leases to total assets | 76.5658% | 1,097 |
| Net loans and leases to deposits | 86.7132% | 1,749 |
| Net loans and leases to core deposits | 91.6145% | 1,964 |
| Total domestic deposits to total assets | 88.2978% | 1,736 |
| Equity capital to assets | 9.9162% | 4,224 |
| Core capital (leverage) ratio | 9.9707% | 3,657 |
| Tier 1 risk-based capital ratio | 13.1077% | 4,845 |
| Total risk-based capital ratio | 13.8395% | 5,100 |
| Memoranda: | ||
| Average total assets | $421,973,670 | 1,580 |
| Average earning assets | $387,946,670 | 1,580 |
| Average equity | $40,379,670 | 1,765 |
| Average total loans | $284,047,670 | 1,506 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 5,249 |
| Cost of funding earning assets | 0.3186% | 4,880 |
| Net interest margin | 3.2503% | 4,743 |
| Noninterest income to average assets | 4.4775% | 132 |
| Noninterest expense to average assets | 8.4471% | 100 |
| Loan and lease loss provision to assets | 0.0019% | 3,802 |
| Net operating income to assets | -0.9692% | 6,569 |
| Return on assets (ROA) | -0.9692% | 6,568 |
| Pretax return on assets | -0.9692% | 6,553 |
| Return on Equity (ROE) | -10.3156% | 6,566 |
| Retained earnings to average equity (ytd only) | -10.3156% | 6,372 |
| Net charge-offs to loans | 0.0304% | 2,975 |
| Credit loss provision to net charge-offs | 10.0000% | 2,606 |
| Earnings coverage of net charge-offs (x) | -50.9500% | 3,638 |
| Efficiency ratio | 112.9315% | 238 |
| Assets per employee ($millions) | 2.0393% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 6,119 |
| Loan loss allowance to noncurrent loans | 201.0638% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 3,731 |
| Noncurrent loans to loans | 0.3940% | 4,949 |
| Net loans and leases to total assets | 66.3222% | 2,510 |
| Net loans and leases to deposits | 74.2404% | 3,033 |
| Net loans and leases to core deposits | 78.2986% | 3,169 |
| Total domestic deposits to total assets | 89.3344% | 1,456 |
| Equity capital to assets | 9.4147% | 4,605 |
| Core capital (leverage) ratio | 9.5792% | 4,164 |
| Tier 1 risk-based capital ratio | 14.6514% | 3,920 |
| Total risk-based capital ratio | 15.4940% | 4,114 |
| Memoranda: | ||
| Average total assets | $421,398,000 | 1,590 |
| Average earning assets | $389,254,500 | 1,586 |
| Average equity | $39,590,500 | 1,783 |
| Average total loans | $262,945,500 | 1,617 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 4,571 |
| Cost of funding earning assets | 0.4266% | 4,361 |
| Net interest margin | 3.4441% | 4,114 |
| Noninterest income to average assets | 6.8934% | 94 |
| Noninterest expense to average assets | 10.3382% | 75 |
| Loan and lease loss provision to assets | 0.0013% | 5,077 |
| Net operating income to assets | -0.2814% | 6,407 |
| Return on assets (ROA) | -0.2814% | 6,429 |
| Pretax return on assets | -0.2814% | 6,405 |
| Return on Equity (ROE) | -2.7410% | 6,416 |
| Retained earnings to average equity (ytd only) | -2.7410% | 6,248 |
| Net charge-offs to loans | 0.1049% | 3,780 |
| Credit loss provision to net charge-offs | 1.8450% | 4,686 |
| Earnings coverage of net charge-offs (x) | -4.0664% | 5,376 |
| Efficiency ratio | 102.7852% | 407 |
| Assets per employee ($millions) | 2.1818% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 5,742 |
| Loan loss allowance to noncurrent loans | 176.6615% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 3,759 |
| Noncurrent loans to loans | 0.5401% | 4,643 |
| Net loans and leases to total assets | 57.2461% | 4,157 |
| Net loans and leases to deposits | 64.0117% | 4,505 |
| Net loans and leases to core deposits | 67.9601% | 4,520 |
| Total domestic deposits to total assets | 89.4307% | 1,371 |
| Equity capital to assets | 9.3747% | 4,576 |
| Core capital (leverage) ratio | 9.5615% | 4,170 |
| Tier 1 risk-based capital ratio | 17.0205% | 2,597 |
| Total risk-based capital ratio | 18.0218% | 2,681 |
| Memoranda: | ||
| Average total assets | $393,375,000 | 1,677 |
| Average earning assets | $361,458,400 | 1,668 |
| Average equity | $40,386,600 | 1,732 |
| Average total loans | $258,278,800 | 1,605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 4,196 |
| Cost of funding earning assets | 0.4428% | 4,353 |
| Net interest margin | 3.5409% | 3,708 |
| Noninterest income to average assets | 7.1598% | 91 |
| Noninterest expense to average assets | 10.5236% | 76 |
| Loan and lease loss provision to assets | 0.0017% | 4,919 |
| Net operating income to assets | -0.1182% | 6,402 |
| Return on assets (ROA) | -0.1182% | 6,433 |
| Pretax return on assets | -0.1182% | 6,413 |
| Return on Equity (ROE) | -1.1251% | 6,434 |
| Retained earnings to average equity (ytd only) | -1.1251% | 6,151 |
| Net charge-offs to loans | 0.0401% | 4,344 |
| Credit loss provision to net charge-offs | 6.3291% | 4,265 |
| Earnings coverage of net charge-offs (x) | -4.2912% | 5,127 |
| Efficiency ratio | 101.1191% | 427 |
| Assets per employee ($millions) | 1.7069% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,638 |
| Loan loss allowance to noncurrent loans | 160.4922% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 3,174 |
| Noncurrent loans to loans | 0.6349% | 4,605 |
| Net loans and leases to total assets | 60.2671% | 3,659 |
| Net loans and leases to deposits | 68.3912% | 4,018 |
| Net loans and leases to core deposits | 72.3823% | 4,047 |
| Total domestic deposits to total assets | 88.1211% | 2,043 |
| Equity capital to assets | 9.8646% | 4,092 |
| Core capital (leverage) ratio | 9.9504% | 3,742 |
| Tier 1 risk-based capital ratio | 17.7876% | 2,412 |
| Total risk-based capital ratio | 18.9063% | 2,425 |
| Memoranda: | ||
| Average total assets | $388,083,750 | 1,706 |
| Average earning assets | $355,905,750 | 1,700 |
| Average equity | $40,767,750 | 1,727 |
| Average total loans | $262,950,000 | 1,585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 4,579 |
| Cost of funding earning assets | 0.4539% | 4,390 |
| Net interest margin | 3.4189% | 4,120 |
| Noninterest income to average assets | 7.1609% | 98 |
| Noninterest expense to average assets | 10.2881% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0125% | 6,291 |
| Return on assets (ROA) | 0.0125% | 6,357 |
| Pretax return on assets | 0.0125% | 6,338 |
| Return on Equity (ROE) | 0.1164% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.1164% | 5,816 |
| Net charge-offs to loans | 0.0141% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.2632% | 4,122 |
| Efficiency ratio | 99.8787% | 488 |
| Assets per employee ($millions) | 1.5859% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 6,269 |
| Loan loss allowance to noncurrent loans | 71.9069% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 3,027 |
| Noncurrent loans to loans | 1.1724% | 3,596 |
| Net loans and leases to total assets | 74.5742% | 1,164 |
| Net loans and leases to deposits | 84.7842% | 1,706 |
| Net loans and leases to core deposits | 89.7841% | 1,927 |
| Total domestic deposits to total assets | 87.9577% | 2,276 |
| Equity capital to assets | 10.1627% | 3,712 |
| Core capital (leverage) ratio | 10.1401% | 3,304 |
| Tier 1 risk-based capital ratio | 16.7048% | 2,837 |
| Total risk-based capital ratio | 17.7692% | 2,886 |
| Memoranda: | ||
| Average total assets | $384,309,330 | 1,724 |
| Average earning assets | $352,922,330 | 1,715 |
| Average equity | $41,223,670 | 1,713 |
| Average total loans | $269,537,000 | 1,560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 5,091 |
| Cost of funding earning assets | 0.4586% | 4,500 |
| Net interest margin | 3.2620% | 4,672 |
| Noninterest income to average assets | 7.0031% | 101 |
| Noninterest expense to average assets | 10.5418% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5395% | 6,692 |
| Return on assets (ROA) | -0.5395% | 6,714 |
| Pretax return on assets | -0.5395% | 6,688 |
| Return on Equity (ROE) | -4.8931% | 6,690 |
| Retained earnings to average equity (ytd only) | -4.8931% | 6,357 |
| Net charge-offs to loans | 0.0740% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -10.8085% | 4,103 |
| Efficiency ratio | 105.3939% | 406 |
| Assets per employee ($millions) | 1.5929% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,080 |
| Loan loss allowance to noncurrent loans | 91.9604% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 3,525 |
| Noncurrent loans to loans | 1.0540% | 4,030 |
| Net loans and leases to total assets | 66.1246% | 2,352 |
| Net loans and leases to deposits | 75.1093% | 2,756 |
| Net loans and leases to core deposits | 79.0028% | 2,928 |
| Total domestic deposits to total assets | 88.0379% | 2,282 |
| Equity capital to assets | 10.5156% | 3,524 |
| Core capital (leverage) ratio | 10.7096% | 2,541 |
| Tier 1 risk-based capital ratio | 18.3977% | 2,229 |
| Total risk-based capital ratio | 19.5724% | 2,217 |
| Memoranda: | ||
| Average total assets | $376,635,500 | 1,758 |
| Average earning assets | $346,289,000 | 1,751 |
| Average equity | $41,527,500 | 1,728 |
| Average total loans | $254,018,000 | 1,644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 1,492 |
| Cost of funding earning assets | 0.6591% | 3,843 |
| Net interest margin | 4.3655% | 1,240 |
| Noninterest income to average assets | 11.5901% | 63 |
| Noninterest expense to average assets | 11.3411% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 4.1999% | 58 |
| Return on assets (ROA) | 4.1999% | 58 |
| Pretax return on assets | 4.1999% | 75 |
| Return on Equity (ROE) | 34.7268% | 42 |
| Retained earnings to average equity (ytd only) | 0.7549% | 5,486 |
| Net charge-offs to loans | -0.0697% | 6,771 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9754% | 3,245 |
| Assets per employee ($millions) | 1.4139% | 6,994 |
| Cash dividends to net income (ytd only)* | 97.8261% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 5,890 |
| Loan loss allowance to noncurrent loans | 96.6301% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 3,524 |
| Noncurrent loans to loans | 1.0582% | 4,095 |
| Net loans and leases to total assets | 67.4576% | 2,288 |
| Net loans and leases to deposits | 77.2845% | 2,614 |
| Net loans and leases to core deposits | 82.8948% | 2,679 |
| Total domestic deposits to total assets | 87.2848% | 2,654 |
| Equity capital to assets | 11.5653% | 2,383 |
| Core capital (leverage) ratio | 11.2325% | 2,063 |
| Tier 1 risk-based capital ratio | 18.8101% | 2,009 |
| Total risk-based capital ratio | 20.0221% | 1,984 |
| Memoranda: | ||
| Average total assets | $361,436,600 | 1,798 |
| Average earning assets | $327,110,800 | 1,814 |
| Average equity | $43,712,600 | 1,595 |
| Average total loans | $301,398,600 | 1,393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 1,534 |
| Cost of funding earning assets | 0.7155% | 3,630 |
| Net interest margin | 4.3441% | 1,361 |
| Noninterest income to average assets | 11.1573% | 68 |
| Noninterest expense to average assets | 10.3212% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 4.7574% | 48 |
| Return on assets (ROA) | 4.7574% | 49 |
| Pretax return on assets | 4.7574% | 62 |
| Return on Equity (ROE) | 38.9039% | 30 |
| Retained earnings to average equity (ytd only) | 6.9733% | 2,149 |
| Net charge-offs to loans | -0.0819% | 6,811 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4495% | 3,967 |
| Assets per employee ($millions) | 1.4533% | 7,091 |
| Cash dividends to net income (ytd only)* | 82.0756% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 6,574 |
| Loan loss allowance to noncurrent loans | 118.0252% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 3,637 |
| Noncurrent loans to loans | 0.6876% | 5,066 |
| Net loans and leases to total assets | 85.5856% | 161 |
| Net loans and leases to deposits | 105.3598% | 248 |
| Net loans and leases to core deposits | 113.2735% | 452 |
| Total domestic deposits to total assets | 81.2317% | 5,287 |
| Equity capital to assets | 12.3122% | 2,030 |
| Core capital (leverage) ratio | 11.3408% | 2,102 |
| Tier 1 risk-based capital ratio | 16.8293% | 2,826 |
| Total risk-based capital ratio | 17.8557% | 2,909 |
| Memoranda: | ||
| Average total assets | $360,246,000 | 1,831 |
| Average earning assets | $325,184,500 | 1,849 |
| Average equity | $44,052,750 | 1,599 |
| Average total loans | $314,353,000 | 1,349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 1,730 |
| Cost of funding earning assets | 0.8018% | 3,175 |
| Net interest margin | 4.2183% | 1,704 |
| Noninterest income to average assets | 9.7863% | 73 |
| Noninterest expense to average assets | 9.8163% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.7786% | 69 |
| Return on assets (ROA) | 3.7786% | 69 |
| Pretax return on assets | 3.7786% | 93 |
| Return on Equity (ROE) | 30.9712% | 71 |
| Retained earnings to average equity (ytd only) | 8.8684% | 1,321 |
| Net charge-offs to loans | -0.1206% | 6,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2056% | 3,394 |
| Assets per employee ($millions) | 1.5357% | 7,143 |
| Cash dividends to net income (ytd only)* | 71.3655% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 6,667 |
| Loan loss allowance to noncurrent loans | 143.1561% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 3,581 |
| Noncurrent loans to loans | 0.5599% | 5,390 |
| Net loans and leases to total assets | 86.4213% | 123 |
| Net loans and leases to deposits | 102.9475% | 308 |
| Net loans and leases to core deposits | 111.7992% | 514 |
| Total domestic deposits to total assets | 83.9469% | 4,336 |
| Equity capital to assets | 12.7601% | 1,650 |
| Core capital (leverage) ratio | 11.5561% | 1,867 |
| Tier 1 risk-based capital ratio | 16.7960% | 2,763 |
| Total risk-based capital ratio | 17.8273% | 2,832 |
| Memoranda: | ||
| Average total assets | $359,707,670 | 1,829 |
| Average earning assets | $324,772,000 | 1,848 |
| Average equity | $43,886,000 | 1,593 |
| Average total loans | $315,059,000 | 1,345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 1,683 |
| Cost of funding earning assets | 0.8084% | 3,405 |
| Net interest margin | 4.2543% | 1,600 |
| Noninterest income to average assets | 8.0191% | 86 |
| Noninterest expense to average assets | 9.1778% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.6890% | 141 |
| Return on assets (ROA) | 2.6890% | 167 |
| Pretax return on assets | 2.6890% | 258 |
| Return on Equity (ROE) | 22.5638% | 257 |
| Retained earnings to average equity (ytd only) | 9.9191% | 1,289 |
| Net charge-offs to loans | -0.2212% | 7,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3399% | 2,598 |
| Assets per employee ($millions) | 1.5641% | 7,205 |
| Cash dividends to net income (ytd only)* | 56.0399% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 6,728 |
| Loan loss allowance to noncurrent loans | 109.1067% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.4591% | 3,679 |
| Noncurrent loans to loans | 0.7391% | 5,190 |
| Net loans and leases to total assets | 86.4074% | 108 |
| Net loans and leases to deposits | 99.2483% | 396 |
| Net loans and leases to core deposits | 109.4452% | 551 |
| Total domestic deposits to total assets | 87.0618% | 2,927 |
| Equity capital to assets | 12.2282% | 1,896 |
| Core capital (leverage) ratio | 11.4488% | 1,931 |
| Tier 1 risk-based capital ratio | 16.6304% | 2,854 |
| Total risk-based capital ratio | 17.6679% | 2,909 |
| Memoranda: | ||
| Average total assets | $358,344,000 | 1,846 |
| Average earning assets | $324,092,500 | 1,859 |
| Average equity | $42,705,500 | 1,629 |
| Average total loans | $314,712,500 | 1,350 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 1,570 |
| Cost of funding earning assets | 0.8563% | 4,430 |
| Net interest margin | 4.4913% | 1,158 |
| Noninterest income to average assets | 6.6810% | 94 |
| Noninterest expense to average assets | 8.3483% | 98 |
| Loan and lease loss provision to assets | 0.2559% | 3,647 |
| Net operating income to assets | 2.2189% | 220 |
| Return on assets (ROA) | 2.2189% | 229 |
| Pretax return on assets | 2.2189% | 354 |
| Return on Equity (ROE) | 19.0816% | 308 |
| Retained earnings to average equity (ytd only) | 3.8986% | 3,440 |
| Net charge-offs to loans | 0.2953% | 3,930 |
| Credit loss provision to net charge-offs | 100.8046% | 3,457 |
| Earnings coverage of net charge-offs (x) | 9.7506% | 1,941 |
| Efficiency ratio | 77.1342% | 2,723 |
| Assets per employee ($millions) | 1.6832% | 7,237 |
| Cash dividends to net income (ytd only)* | 79.5688% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 6,852 |
| Loan loss allowance to noncurrent loans | 99.4058% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 3,751 |
| Noncurrent loans to loans | 0.7422% | 5,217 |
| Net loans and leases to total assets | 87.8845% | 79 |
| Net loans and leases to deposits | 106.5374% | 234 |
| Net loans and leases to core deposits | 123.9405% | 299 |
| Total domestic deposits to total assets | 82.4917% | 4,967 |
| Equity capital to assets | 11.6070% | 2,416 |
| Core capital (leverage) ratio | 11.1797% | 2,137 |
| Tier 1 risk-based capital ratio | 15.5750% | 3,279 |
| Total risk-based capital ratio | 16.5041% | 3,437 |
| Memoranda: | ||
| Average total assets | $342,777,600 | 1,890 |
| Average earning assets | $316,122,400 | 1,864 |
| Average equity | $39,860,400 | 1,697 |
| Average total loans | $294,645,800 | 1,442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 1,791 |
| Cost of funding earning assets | 0.8866% | 4,493 |
| Net interest margin | 4.4319% | 1,312 |
| Noninterest income to average assets | 5.4336% | 118 |
| Noninterest expense to average assets | 7.8520% | 111 |
| Loan and lease loss provision to assets | 0.0689% | 5,594 |
| Net operating income to assets | 1.6235% | 747 |
| Return on assets (ROA) | 1.6235% | 818 |
| Pretax return on assets | 1.6235% | 1,327 |
| Return on Equity (ROE) | 13.9546% | 1,043 |
| Retained earnings to average equity (ytd only) | 3.9773% | 3,887 |
| Net charge-offs to loans | 0.0517% | 5,463 |
| Credit loss provision to net charge-offs | 156.2500% | 1,988 |
| Earnings coverage of net charge-offs (x) | 38.4017% | 794 |
| Efficiency ratio | 82.2683% | 1,937 |
| Assets per employee ($millions) | 1.5794% | 7,327 |
| Cash dividends to net income (ytd only)* | 71.4979% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 6,747 |
| Loan loss allowance to noncurrent loans | 75.7423% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1862% | 2,918 |
| Noncurrent loans to loans | 1.1062% | 4,710 |
| Net loans and leases to total assets | 88.5247% | 66 |
| Net loans and leases to deposits | 102.5347% | 368 |
| Net loans and leases to core deposits | 127.6476% | 273 |
| Total domestic deposits to total assets | 86.3363% | 3,021 |
| Equity capital to assets | 12.9341% | 1,648 |
| Core capital (leverage) ratio | 12.4776% | 1,447 |
| Tier 1 risk-based capital ratio | 16.3588% | 2,935 |
| Total risk-based capital ratio | 17.3677% | 3,020 |
| Memoranda: | ||
| Average total assets | $338,843,250 | 1,918 |
| Average earning assets | $314,286,750 | 1,882 |
| Average equity | $39,422,250 | 1,720 |
| Average total loans | $288,952,000 | 1,488 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3338% | 1,770 |
| Cost of funding earning assets | 0.9319% | 4,444 |
| Net interest margin | 4.4019% | 1,360 |
| Noninterest income to average assets | 4.4230% | 155 |
| Noninterest expense to average assets | 7.4776% | 120 |
| Loan and lease loss provision to assets | 0.1015% | 5,042 |
| Net operating income to assets | 0.9440% | 2,461 |
| Return on assets (ROA) | 0.9440% | 2,553 |
| Pretax return on assets | 0.9440% | 3,461 |
| Return on Equity (ROE) | 8.4047% | 2,767 |
| Retained earnings to average equity (ytd only) | 3.2421% | 4,203 |
| Net charge-offs to loans | 0.0876% | 4,776 |
| Credit loss provision to net charge-offs | 137.7953% | 2,214 |
| Earnings coverage of net charge-offs (x) | 14.1969% | 1,497 |
| Efficiency ratio | 87.7339% | 1,441 |
| Assets per employee ($millions) | 1.4773% | 7,413 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 6,726 |
| Loan loss allowance to noncurrent loans | 79.6724% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 3,580 |
| Noncurrent loans to loans | 1.0946% | 4,839 |
| Net loans and leases to total assets | 89.4397% | 50 |
| Net loans and leases to deposits | 103.8605% | 322 |
| Net loans and leases to core deposits | 131.9032% | 253 |
| Total domestic deposits to total assets | 86.1152% | 3,261 |
| Equity capital to assets | 13.1788% | 1,435 |
| Core capital (leverage) ratio | 11.0454% | 2,206 |
| Tier 1 risk-based capital ratio | 16.8451% | 2,588 |
| Total risk-based capital ratio | 17.8923% | 2,632 |
| Memoranda: | ||
| Average total assets | $344,921,330 | 1,891 |
| Average earning assets | $321,271,670 | 1,855 |
| Average equity | $38,740,330 | 1,730 |
| Average total loans | $289,864,000 | 1,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 1,778 |
| Cost of funding earning assets | 0.9046% | 4,885 |
| Net interest margin | 4.4259% | 1,225 |
| Noninterest income to average assets | 4.2245% | 154 |
| Noninterest expense to average assets | 7.1724% | 140 |
| Loan and lease loss provision to assets | 0.0820% | 4,975 |
| Net operating income to assets | 1.1149% | 1,788 |
| Return on assets (ROA) | 1.1149% | 1,839 |
| Pretax return on assets | 1.1149% | 2,701 |
| Return on Equity (ROE) | 10.6932% | 1,835 |
| Retained earnings to average equity (ytd only) | 10.6932% | 954 |
| Net charge-offs to loans | -0.0027% | 6,188 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6994% | 1,748 |
| Assets per employee ($millions) | 1.6257% | 7,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,687 |
| Loan loss allowance to noncurrent loans | 93.7792% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 4,279 |
| Noncurrent loans to loans | 0.9645% | 5,117 |
| Net loans and leases to total assets | 72.5690% | 1,598 |
| Net loans and leases to deposits | 81.7199% | 2,411 |
| Net loans and leases to core deposits | 109.0157% | 786 |
| Total domestic deposits to total assets | 88.8021% | 1,898 |
| Equity capital to assets | 10.6786% | 3,009 |
| Core capital (leverage) ratio | 10.5815% | 2,525 |
| Tier 1 risk-based capital ratio | 16.3141% | 2,750 |
| Total risk-based capital ratio | 17.3304% | 2,843 |
| Memoranda: | ||
| Average total assets | $365,960,500 | 1,799 |
| Average earning assets | $342,709,500 | 1,761 |
| Average equity | $38,155,000 | 1,744 |
| Average total loans | $298,173,500 | 1,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 1,946 |
| Cost of funding earning assets | 1.1579% | 4,802 |
| Net interest margin | 4.4296% | 1,401 |
| Noninterest income to average assets | 9.3500% | 68 |
| Noninterest expense to average assets | 8.3159% | 106 |
| Loan and lease loss provision to assets | 0.4932% | 3,192 |
| Net operating income to assets | 4.6638% | 36 |
| Return on assets (ROA) | 4.6638% | 36 |
| Pretax return on assets | 4.6638% | 55 |
| Return on Equity (ROE) | 49.5407% | 14 |
| Retained earnings to average equity (ytd only) | 31.0575% | 11 |
| Net charge-offs to loans | 0.5211% | 3,539 |
| Credit loss provision to net charge-offs | 104.8340% | 4,280 |
| Earnings coverage of net charge-offs (x) | 10.9610% | 1,654 |
| Efficiency ratio | 61.6783% | 5,781 |
| Assets per employee ($millions) | 1.7940% | 7,488 |
| Cash dividends to net income (ytd only)* | 37.3090% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 7,126 |
| Loan loss allowance to noncurrent loans | 56.7850% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 3,676 |
| Noncurrent loans to loans | 1.2473% | 4,633 |
| Net loans and leases to total assets | 89.0068% | 74 |
| Net loans and leases to deposits | 100.9172% | 530 |
| Net loans and leases to core deposits | 129.5268% | 335 |
| Total domestic deposits to total assets | 88.1979% | 2,122 |
| Equity capital to assets | 10.1758% | 3,525 |
| Core capital (leverage) ratio | 9.0395% | 4,472 |
| Tier 1 risk-based capital ratio | 14.4339% | 3,597 |
| Total risk-based capital ratio | 15.3281% | 3,790 |
| Memoranda: | ||
| Average total assets | $364,940,400 | 1,796 |
| Average earning assets | $339,673,000 | 1,758 |
| Average equity | $34,355,600 | 1,924 |
| Average total loans | $329,526,000 | 1,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 3,280 |
| Cost of funding earning assets | 1.2183% | 4,756 |
| Net interest margin | 4.0956% | 2,642 |
| Noninterest income to average assets | 8.0005% | 84 |
| Noninterest expense to average assets | 7.8431% | 115 |
| Loan and lease loss provision to assets | 0.4118% | 3,434 |
| Net operating income to assets | 3.5518% | 52 |
| Return on assets (ROA) | 3.5518% | 55 |
| Pretax return on assets | 3.5518% | 87 |
| Return on Equity (ROE) | 38.5159% | 24 |
| Retained earnings to average equity (ytd only) | 27.9968% | 22 |
| Net charge-offs to loans | 0.3395% | 3,946 |
| Credit loss provision to net charge-offs | 134.0882% | 3,010 |
| Earnings coverage of net charge-offs (x) | 12.9058% | 1,640 |
| Efficiency ratio | 66.3608% | 4,779 |
| Assets per employee ($millions) | 1.7971% | 7,587 |
| Cash dividends to net income (ytd only)* | 27.3112% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 7,153 |
| Loan loss allowance to noncurrent loans | 204.5125% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 5,213 |
| Noncurrent loans to loans | 0.3553% | 6,486 |
| Net loans and leases to total assets | 91.4537% | 35 |
| Net loans and leases to deposits | 106.9679% | 325 |
| Net loans and leases to core deposits | 141.2062% | 246 |
| Total domestic deposits to total assets | 85.4964% | 3,344 |
| Equity capital to assets | 10.1787% | 3,906 |
| Core capital (leverage) ratio | 9.0186% | 4,668 |
| Tier 1 risk-based capital ratio | 13.5446% | 4,165 |
| Total risk-based capital ratio | 14.5534% | 4,318 |
| Memoranda: | ||
| Average total assets | $364,234,500 | 1,821 |
| Average earning assets | $338,500,250 | 1,790 |
| Average equity | $33,588,750 | 1,989 |
| Average total loans | $329,490,000 | 1,369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2195% | 3,856 |
| Cost of funding earning assets | 1.3040% | 4,508 |
| Net interest margin | 3.9155% | 3,377 |
| Noninterest income to average assets | 7.2306% | 99 |
| Noninterest expense to average assets | 7.6136% | 129 |
| Loan and lease loss provision to assets | 0.2505% | 4,418 |
| Net operating income to assets | 3.0090% | 81 |
| Return on assets (ROA) | 3.0090% | 85 |
| Pretax return on assets | 3.0090% | 125 |
| Return on Equity (ROE) | 33.8663% | 35 |
| Retained earnings to average equity (ytd only) | 26.6607% | 37 |
| Net charge-offs to loans | 0.2453% | 4,126 |
| Credit loss provision to net charge-offs | 113.6364% | 3,582 |
| Earnings coverage of net charge-offs (x) | 14.7854% | 1,502 |
| Efficiency ratio | 69.9350% | 4,203 |
| Assets per employee ($millions) | 1.8449% | 7,634 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 7,296 |
| Loan loss allowance to noncurrent loans | 79.6821% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 4,315 |
| Noncurrent loans to loans | 0.8470% | 5,576 |
| Net loans and leases to total assets | 89.7286% | 84 |
| Net loans and leases to deposits | 109.9909% | 276 |
| Net loans and leases to core deposits | 148.2122% | 227 |
| Total domestic deposits to total assets | 81.5782% | 5,165 |
| Equity capital to assets | 9.0784% | 5,326 |
| Core capital (leverage) ratio | 8.8353% | 4,855 |
| Tier 1 risk-based capital ratio | 12.4694% | 4,888 |
| Total risk-based capital ratio | 13.3890% | 5,159 |
| Memoranda: | ||
| Average total assets | $359,251,670 | 1,863 |
| Average earning assets | $334,210,670 | 1,828 |
| Average equity | $31,919,670 | 2,065 |
| Average total loans | $322,881,670 | 1,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 4,756 |
| Cost of funding earning assets | 1.3567% | 4,439 |
| Net interest margin | 3.6990% | 4,250 |
| Noninterest income to average assets | 7.9182% | 85 |
| Noninterest expense to average assets | 7.5420% | 135 |
| Loan and lease loss provision to assets | 0.2573% | 3,981 |
| Net operating income to assets | 3.5611% | 61 |
| Return on assets (ROA) | 3.5611% | 64 |
| Pretax return on assets | 3.5611% | 96 |
| Return on Equity (ROE) | 40.5574% | 37 |
| Retained earnings to average equity (ytd only) | 40.5574% | 29 |
| Net charge-offs to loans | 0.2769% | 3,307 |
| Credit loss provision to net charge-offs | 103.6866% | 3,300 |
| Earnings coverage of net charge-offs (x) | 15.3871% | 1,385 |
| Efficiency ratio | 66.3076% | 5,050 |
| Assets per employee ($millions) | 1.9266% | 7,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 7,220 |
| Loan loss allowance to noncurrent loans | 164.4833% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 4,540 |
| Noncurrent loans to loans | 0.4624% | 6,370 |
| Net loans and leases to total assets | 85.9953% | 215 |
| Net loans and leases to deposits | 95.2878% | 1,193 |
| Net loans and leases to core deposits | 123.6360% | 655 |
| Total domestic deposits to total assets | 90.2480% | 862 |
| Equity capital to assets | 9.1116% | 5,118 |
| Core capital (leverage) ratio | 9.0660% | 4,445 |
| Tier 1 risk-based capital ratio | 13.4827% | 3,993 |
| Total risk-based capital ratio | 14.4945% | 4,118 |
| Memoranda: | ||
| Average total assets | $349,775,500 | 1,960 |
| Average earning assets | $325,497,500 | 1,919 |
| Average equity | $30,712,000 | 2,171 |
| Average total loans | $313,491,000 | 1,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8524% | 2,433 |
| Cost of funding earning assets | 1.9721% | 3,091 |
| Net interest margin | 3.8803% | 3,350 |
| Noninterest income to average assets | 6.9554% | 106 |
| Noninterest expense to average assets | 7.1730% | 193 |
| Loan and lease loss provision to assets | 0.4255% | 4,275 |
| Net operating income to assets | 2.9556% | 58 |
| Return on assets (ROA) | 2.9556% | 63 |
| Pretax return on assets | 2.9556% | 103 |
| Return on Equity (ROE) | 34.7088% | 29 |
| Retained earnings to average equity (ytd only) | 24.7874% | 24 |
| Net charge-offs to loans | 0.1312% | 5,887 |
| Credit loss provision to net charge-offs | 350.5682% | 924 |
| Earnings coverage of net charge-offs (x) | 27.8551% | 818 |
| Efficiency ratio | 67.8560% | 5,029 |
| Assets per employee ($millions) | 2.0035% | 7,725 |
| Cash dividends to net income (ytd only)* | 28.5848% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 7,409 |
| Loan loss allowance to noncurrent loans | 63.0812% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 4,282 |
| Noncurrent loans to loans | 1.0824% | 5,157 |
| Net loans and leases to total assets | 91.8528% | 40 |
| Net loans and leases to deposits | 108.2868% | 445 |
| Net loans and leases to core deposits | 220.7255% | 63 |
| Total domestic deposits to total assets | 84.8237% | 3,635 |
| Equity capital to assets | 8.4621% | 5,947 |
| Core capital (leverage) ratio | 7.6152% | 6,665 |
| Tier 1 risk-based capital ratio | 10.9418% | 5,968 |
| Total risk-based capital ratio | 11.8549% | 6,273 |
| Memoranda: | ||
| Average total assets | $289,990,000 | 2,278 |
| Average earning assets | $268,947,800 | 2,246 |
| Average equity | $24,694,000 | 2,645 |
| Average total loans | $268,249,600 | 1,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 3,917 |
| Cost of funding earning assets | 2.1041% | 2,875 |
| Net interest margin | 3.4873% | 4,911 |
| Noninterest income to average assets | 7.0071% | 105 |
| Noninterest expense to average assets | 6.3330% | 272 |
| Loan and lease loss provision to assets | 0.4561% | 3,632 |
| Net operating income to assets | 3.4536% | 48 |
| Return on assets (ROA) | 3.4536% | 49 |
| Pretax return on assets | 3.4536% | 72 |
| Return on Equity (ROE) | 40.4736% | 25 |
| Retained earnings to average equity (ytd only) | 33.3279% | 18 |
| Net charge-offs to loans | -0.0643% | 7,885 |
| Credit loss provision to net charge-offs | -766.3934% | 7,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7106% | 6,163 |
| Assets per employee ($millions) | 1.9991% | 7,802 |
| Cash dividends to net income (ytd only)* | 17.6554% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 7,120 |
| Loan loss allowance to noncurrent loans | 152.5456% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 4,606 |
| Noncurrent loans to loans | 0.5243% | 6,259 |
| Net loans and leases to total assets | 92.9482% | 38 |
| Net loans and leases to deposits | 104.3688% | 746 |
| Net loans and leases to core deposits | 225.4959% | 64 |
| Total domestic deposits to total assets | 89.0575% | 1,171 |
| Equity capital to assets | 8.9712% | 5,524 |
| Core capital (leverage) ratio | 8.4457% | 5,585 |
| Tier 1 risk-based capital ratio | 11.6025% | 5,334 |
| Total risk-based capital ratio | 12.6574% | 5,472 |
| Memoranda: | ||
| Average total assets | $273,333,750 | 2,401 |
| Average earning assets | $253,599,250 | 2,395 |
| Average equity | $23,323,250 | 2,825 |
| Average total loans | $252,858,750 | 1,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 3,345 |
| Cost of funding earning assets | 2.0838% | 3,343 |
| Net interest margin | 3.6557% | 4,137 |
| Noninterest income to average assets | 6.4048% | 113 |
| Noninterest expense to average assets | 6.3104% | 293 |
| Loan and lease loss provision to assets | 0.4951% | 3,062 |
| Net operating income to assets | 2.9794% | 58 |
| Return on assets (ROA) | 2.9794% | 66 |
| Pretax return on assets | 2.9794% | 101 |
| Return on Equity (ROE) | 35.6881% | 41 |
| Retained earnings to average equity (ytd only) | 35.6881% | 24 |
| Net charge-offs to loans | -0.0186% | 7,684 |
| Credit loss provision to net charge-offs | -2,886.3636% | 7,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3557% | 5,838 |
| Assets per employee ($millions) | 2.9515% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 7,537 |
| Loan loss allowance to noncurrent loans | 513.1646% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 5,335 |
| Noncurrent loans to loans | 0.1275% | 7,195 |
| Net loans and leases to total assets | 93.1346% | 38 |
| Net loans and leases to deposits | 105.3799% | 801 |
| Net loans and leases to core deposits | 217.7810% | 85 |
| Total domestic deposits to total assets | 88.3798% | 1,583 |
| Equity capital to assets | 7.6740% | 7,107 |
| Core capital (leverage) ratio | 9.0961% | 4,473 |
| Tier 1 risk-based capital ratio | 11.0695% | 5,809 |
| Total risk-based capital ratio | 11.9788% | 6,100 |
| Memoranda: | ||
| Average total assets | $256,496,000 | 2,569 |
| Average earning assets | $237,165,000 | 2,553 |
| Average equity | $21,413,330 | 3,049 |
| Average total loans | $235,999,330 | 2,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,660 |
| Cost of funding earning assets | 2.3839% | 2,358 |
| Net interest margin | 3.7964% | 3,455 |
| Noninterest income to average assets | 5.1600% | 126 |
| Noninterest expense to average assets | 6.8405% | 210 |
| Loan and lease loss provision to assets | 0.1367% | 5,213 |
| Net operating income to assets | 1.6659% | 696 |
| Return on assets (ROA) | 1.6659% | 761 |
| Pretax return on assets | 1.6659% | 1,254 |
| Return on Equity (ROE) | 18.8105% | 521 |
| Retained earnings to average equity (ytd only) | 18.8105% | 204 |
| Net charge-offs to loans | -0.0080% | 7,250 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9751% | 3,007 |
| Assets per employee ($millions) | 2.4541% | 7,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 7,458 |
| Loan loss allowance to noncurrent loans | 88.4615% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.9774% | 2,940 |
| Noncurrent loans to loans | 0.7819% | 5,484 |
| Net loans and leases to total assets | 91.1511% | 89 |
| Net loans and leases to deposits | 102.5126% | 1,129 |
| Net loans and leases to core deposits | 182.0286% | 222 |
| Total domestic deposits to total assets | 88.9169% | 1,262 |
| Equity capital to assets | 9.2866% | 4,955 |
| Core capital (leverage) ratio | 8.5019% | 5,532 |
| Tier 1 risk-based capital ratio | 10.2911% | 6,600 |
| Total risk-based capital ratio | 11.0891% | 7,005 |
| Memoranda: | ||
| Average total assets | $219,458,000 | 2,994 |
| Average earning assets | $201,351,000 | 2,999 |
| Average equity | $19,436,000 | 3,358 |
| Average total loans | $199,047,000 | 2,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1466% | 818 |
| Cost of funding earning assets | 2.9706% | 1,984 |
| Net interest margin | 4.1760% | 2,406 |
| Noninterest income to average assets | 2.2626% | 291 |
| Noninterest expense to average assets | 6.3367% | 357 |
| Loan and lease loss provision to assets | 0.2121% | 4,773 |
| Net operating income to assets | -0.4651% | 6,896 |
| Return on assets (ROA) | -0.4651% | 6,774 |
| Pretax return on assets | -0.4651% | 6,625 |
| Return on Equity (ROE) | -5.4287% | 6,906 |
| Retained earnings to average equity (ytd only) | -5.4287% | 6,574 |
| Net charge-offs to loans | 0.0744% | 5,698 |
| Credit loss provision to net charge-offs | 326.6667% | 1,383 |
| Earnings coverage of net charge-offs (x) | -3.8963% | 6,802 |
| Efficiency ratio | 103.8978% | 872 |
| Assets per employee ($millions) | 2.2654% | 7,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 7,360 |
| Loan loss allowance to noncurrent loans | 188.4457% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7092% | 2,849 |
| Noncurrent loans to loans | 0.3855% | 6,186 |
| Net loans and leases to total assets | 88.8720% | 292 |
| Net loans and leases to deposits | 97.3971% | 2,216 |
| Net loans and leases to core deposits | 145.0989% | 1,050 |
| Total domestic deposits to total assets | 91.2471% | 263 |
| Equity capital to assets | 8.3903% | 6,275 |
| Core capital (leverage) ratio | 7.8379% | 6,740 |
| Tier 1 risk-based capital ratio | 9.8765% | 6,875 |
| Total risk-based capital ratio | 10.6468% | 7,336 |
| Memoranda: | ||
| Average total assets | $207,901,400 | 3,033 |
| Average earning assets | $190,230,400 | 3,036 |
| Average equity | $17,812,600 | 3,587 |
| Average total loans | $181,561,800 | 2,485 |