Home > Cass Commercial Bank > Performance and Condition Ratios
Cass Commercial 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 | 4.7204% | 2,631 |
| Cost of funding earning assets | 1.5372% | 1,851 |
| Net interest margin | 3.1831% | 2,919 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 1.5179% | 4,317 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 1.8021% | 609 |
| Return on assets (ROA) | 1.7962% | 593 |
| Pretax return on assets | 2.2856% | 445 |
| Return on Equity (ROE) | 15.7200% | 1,152 |
| Retained earnings to average equity (ytd only) | 11.3158% | 725 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 40.5189% | 4,352 |
| Assets per employee ($millions) | 22.2701% | 82 |
| Cash dividends to net income (ytd only)* | 28.0300% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,727 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.4400% | 2,722 |
| Net loans and leases to deposits | 70.3385% | 2,869 |
| Net loans and leases to core deposits | 71.5786% | 3,217 |
| Total domestic deposits to total assets | 87.3500% | 1,574 |
| Equity capital to assets | 12.1737% | 1,076 |
| Core capital (leverage) ratio | 12.4892% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0390% | 787 |
| Memoranda: | ||
| Average total assets | $1,489,653,000 | 721 |
| Average earning assets | $1,448,510,800 | 684 |
| Average equity | $170,177,600 | 616 |
| Average total loans | $980,480,400 | 740 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 2,597 |
| Cost of funding earning assets | 1.4426% | 1,758 |
| Net interest margin | 3.1931% | 2,933 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.5370% | 4,286 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 1.7856% | 688 |
| Return on assets (ROA) | 1.7777% | 683 |
| Pretax return on assets | 2.2610% | 512 |
| Return on Equity (ROE) | 15.8300% | 1,285 |
| Retained earnings to average equity (ytd only) | 9.8249% | 1,452 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.1438% | 4,325 |
| Assets per employee ($millions) | 23.5965% | 69 |
| Cash dividends to net income (ytd only)* | 37.9190% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 1,881 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.3400% | 2,807 |
| Net loans and leases to deposits | 68.2317% | 2,965 |
| Net loans and leases to core deposits | 69.3438% | 3,242 |
| Total domestic deposits to total assets | 88.4300% | 1,434 |
| Equity capital to assets | 11.0529% | 1,328 |
| Core capital (leverage) ratio | 12.1699% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1362% | 932 |
| Memoranda: | ||
| Average total assets | $1,483,474,500 | 728 |
| Average earning assets | $1,440,859,500 | 690 |
| Average equity | $166,633,250 | 618 |
| Average total loans | $989,921,000 | 733 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 2,432 |
| Cost of funding earning assets | 1.3035% | 1,701 |
| Net interest margin | 3.2857% | 2,784 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.5674% | 4,284 |
| Loan and lease loss provision to assets | -0.1200% | 4,579 |
| Net operating income to assets | 1.8542% | 606 |
| Return on assets (ROA) | 1.8542% | 603 |
| Pretax return on assets | 2.3601% | 425 |
| Return on Equity (ROE) | 16.4100% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.2616% | 2,204 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.1948% | 4,361 |
| Assets per employee ($millions) | 21.1968% | 84 |
| Cash dividends to net income (ytd only)* | 55.7538% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.4300% | 2,109 |
| Net loans and leases to deposits | 75.5392% | 2,360 |
| Net loans and leases to core deposits | 76.6901% | 2,712 |
| Total domestic deposits to total assets | 87.9500% | 1,617 |
| Equity capital to assets | 11.5171% | 1,198 |
| Core capital (leverage) ratio | 12.3653% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0613% | 1,116 |
| Memoranda: | ||
| Average total assets | $1,450,977,000 | 721 |
| Average earning assets | $1,407,906,333 | 690 |
| Average equity | $163,930,000 | 623 |
| Average total loans | $997,732,000 | 712 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 2,090 |
| Cost of funding earning assets | 1.2145% | 1,415 |
| Net interest margin | 3.3826% | 2,679 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 1.6192% | 4,283 |
| Loan and lease loss provision to assets | -0.2100% | 4,629 |
| Net operating income to assets | 1.9472% | 536 |
| Return on assets (ROA) | 1.9472% | 526 |
| Pretax return on assets | 2.4897% | 362 |
| Return on Equity (ROE) | 17.4100% | 1,111 |
| Retained earnings to average equity (ytd only) | -1.1505% | 4,141 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.5335% | 4,403 |
| Assets per employee ($millions) | 21.1650% | 87 |
| Cash dividends to net income (ytd only)* | 106.6098% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.7000% | 1,770 |
| Net loans and leases to deposits | 78.0372% | 1,969 |
| Net loans and leases to core deposits | 79.3698% | 2,296 |
| Total domestic deposits to total assets | 88.0400% | 1,914 |
| Equity capital to assets | 11.2692% | 1,240 |
| Core capital (leverage) ratio | 11.3023% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9952% | 1,371 |
| Memoranda: | ||
| Average total assets | $1,445,176,500 | 737 |
| Average earning assets | $1,402,367,000 | 705 |
| Average equity | $161,671,500 | 640 |
| Average total loans | $1,004,551,500 | 720 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4706% | 3,152 |
| Cost of funding earning assets | 0.2842% | 3,005 |
| Net interest margin | 3.1865% | 2,908 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 1.4287% | 4,489 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.7040% | 535 |
| Return on assets (ROA) | 1.7040% | 507 |
| Pretax return on assets | 2.1712% | 340 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.0869% | 2,610 |
| Net charge-offs to loans | -0.0014% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.5124% | 4,570 |
| Assets per employee ($millions) | 21.3402% | 87 |
| Cash dividends to net income (ytd only)* | 60.4400% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 1,840 |
| Loan loss allowance to noncurrent loans | 1,150.1739% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,007 |
| Noncurrent loans to loans | 0.1141% | 2,954 |
| Net loans and leases to total assets | 68.5400% | 1,781 |
| Net loans and leases to deposits | 77.5871% | 1,990 |
| Net loans and leases to core deposits | 78.6895% | 2,227 |
| Total domestic deposits to total assets | 88.3300% | 1,958 |
| Equity capital to assets | 11.1054% | 1,217 |
| Core capital (leverage) ratio | 10.7701% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9801% | 1,374 |
| Memoranda: | ||
| Average total assets | $1,456,485,000 | 722 |
| Average earning assets | $1,423,521,000 | 681 |
| Average equity | $161,297,800 | 637 |
| Average total loans | $958,588,200 | 713 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1284% | 3,607 |
| Cost of funding earning assets | 0.1255% | 4,071 |
| Net interest margin | 3.0028% | 3,210 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.3993% | 4,512 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.6009% | 657 |
| Return on assets (ROA) | 1.6009% | 637 |
| Pretax return on assets | 2.0363% | 433 |
| Return on Equity (ROE) | 14.4700% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.2015% | 2,676 |
| Net charge-offs to loans | -0.0018% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.6117% | 4,581 |
| Assets per employee ($millions) | 23.8585% | 70 |
| Cash dividends to net income (ytd only)* | 57.1298% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,208 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.2900% | 2,254 |
| Net loans and leases to deposits | 69.4726% | 2,412 |
| Net loans and leases to core deposits | 70.0680% | 2,637 |
| Total domestic deposits to total assets | 89.6500% | 1,812 |
| Equity capital to assets | 9.9603% | 1,649 |
| Core capital (leverage) ratio | 10.4404% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0786% | 1,406 |
| Memoranda: | ||
| Average total assets | $1,457,822,500 | 725 |
| Average earning assets | $1,426,527,750 | 686 |
| Average equity | $161,333,500 | 649 |
| Average total loans | $946,289,250 | 719 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8773% | 3,837 |
| Cost of funding earning assets | 0.0815% | 4,365 |
| Net interest margin | 2.7958% | 3,458 |
| Noninterest income to average assets | 0.5990% | 1,741 |
| Noninterest expense to average assets | 1.4286% | 4,503 |
| Loan and lease loss provision to assets | 0.0567% | 1,565 |
| Net operating income to assets | 1.4477% | 803 |
| Return on assets (ROA) | 1.4477% | 782 |
| Pretax return on assets | 1.8477% | 533 |
| Return on Equity (ROE) | 12.6056% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.4343% | 2,197 |
| Net charge-offs to loans | -0.0028% | 3,189 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8614% | 4,545 |
| Assets per employee ($millions) | 21.0114% | 93 |
| Cash dividends to net income (ytd only)* | 48.9572% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.5231% | 1,754 |
| Net loans and leases to deposits | 74.5374% | 1,801 |
| Net loans and leases to core deposits | 75.2450% | 2,070 |
| Total domestic deposits to total assets | 87.9064% | 2,613 |
| Equity capital to assets | 11.6210% | 990 |
| Core capital (leverage) ratio | 10.4688% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2920% | 1,122 |
| Memoranda: | ||
| Average total assets | $1,410,923,667 | 738 |
| Average earning assets | $1,379,690,333 | 699 |
| Average equity | $162,039,000 | 655 |
| Average total loans | $925,594,667 | 719 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5864% | 4,146 |
| Cost of funding earning assets | 0.0640% | 4,502 |
| Net interest margin | 2.5224% | 3,856 |
| Noninterest income to average assets | 0.6038% | 1,677 |
| Noninterest expense to average assets | 1.3925% | 4,548 |
| Loan and lease loss provision to assets | 0.0815% | 1,006 |
| Net operating income to assets | 1.2469% | 1,129 |
| Return on assets (ROA) | 1.2469% | 1,114 |
| Pretax return on assets | 1.6000% | 827 |
| Return on Equity (ROE) | 10.9207% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.9207% | 796 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2999% | 4,520 |
| Assets per employee ($millions) | 22.0649% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,474 |
| 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 | 68.6859% | 1,138 |
| Net loans and leases to deposits | 78.6797% | 1,233 |
| Net loans and leases to core deposits | 79.4903% | 1,522 |
| Total domestic deposits to total assets | 87.2981% | 2,817 |
| Equity capital to assets | 12.1398% | 912 |
| Core capital (leverage) ratio | 11.1157% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9686% | 1,265 |
| Memoranda: | ||
| Average total assets | $1,423,009,000 | 730 |
| Average earning assets | $1,393,580,000 | 697 |
| Average equity | $162,481,000 | 669 |
| Average total loans | $928,011,500 | 709 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6894% | 4,324 |
| Cost of funding earning assets | 0.0923% | 4,442 |
| Net interest margin | 2.5971% | 4,053 |
| Noninterest income to average assets | 0.4507% | 2,815 |
| Noninterest expense to average assets | 1.3360% | 4,657 |
| Loan and lease loss provision to assets | 0.0135% | 2,812 |
| Net operating income to assets | 1.2866% | 1,643 |
| Return on assets (ROA) | 1.2866% | 1,695 |
| Pretax return on assets | 1.6347% | 1,324 |
| Return on Equity (ROE) | 10.1260% | 2,479 |
| Retained earnings to average equity (ytd only) | 1.0471% | 4,247 |
| Net charge-offs to loans | -0.0032% | 3,452 |
| Credit loss provision to net charge-offs | -1,148.1481% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7697% | 4,545 |
| Assets per employee ($millions) | 24.1945% | 72 |
| Cash dividends to net income (ytd only)* | 89.6593% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,570 |
| 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 | 60.5316% | 2,105 |
| Net loans and leases to deposits | 68.2105% | 2,295 |
| Net loans and leases to core deposits | 68.8832% | 2,565 |
| Total domestic deposits to total assets | 88.7425% | 1,645 |
| Equity capital to assets | 10.7706% | 1,959 |
| Core capital (leverage) ratio | 11.0461% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2163% | 1,211 |
| Memoranda: | ||
| Average total assets | $1,300,333,600 | 764 |
| Average earning assets | $1,268,429,200 | 732 |
| Average equity | $165,218,000 | 657 |
| Average total loans | $841,673,600 | 766 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7659% | 4,340 |
| Cost of funding earning assets | 0.1003% | 4,504 |
| Net interest margin | 2.6657% | 4,033 |
| Noninterest income to average assets | 0.4322% | 2,918 |
| Noninterest expense to average assets | 1.3359% | 4,722 |
| Loan and lease loss provision to assets | -0.0490% | 4,452 |
| Net operating income to assets | 1.3642% | 1,644 |
| Return on assets (ROA) | 1.3642% | 1,700 |
| Pretax return on assets | 1.7387% | 1,310 |
| Return on Equity (ROE) | 10.2679% | 2,639 |
| Retained earnings to average equity (ytd only) | 10.2679% | 1,238 |
| Net charge-offs to loans | -0.0045% | 3,403 |
| Credit loss provision to net charge-offs | 1,642.8571% | 375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1531% | 4,580 |
| Assets per employee ($millions) | 20.3088% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,362 |
| 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 | 62.8386% | 1,907 |
| Net loans and leases to deposits | 73.2203% | 1,938 |
| Net loans and leases to core deposits | 74.0955% | 2,233 |
| Total domestic deposits to total assets | 85.8214% | 2,811 |
| Equity capital to assets | 13.4730% | 859 |
| Core capital (leverage) ratio | 12.3230% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4464% | 645 |
| Memoranda: | ||
| Average total assets | $1,250,402,000 | 803 |
| Average earning assets | $1,216,478,250 | 771 |
| Average equity | $166,131,250 | 659 |
| Average total loans | $822,193,250 | 799 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7329% | 4,421 |
| Cost of funding earning assets | 0.1040% | 4,549 |
| Net interest margin | 2.6289% | 4,117 |
| Noninterest income to average assets | 0.4133% | 3,042 |
| Noninterest expense to average assets | 1.2909% | 4,794 |
| Loan and lease loss provision to assets | -0.1467% | 4,704 |
| Net operating income to assets | 1.4338% | 1,469 |
| Return on assets (ROA) | 1.4338% | 1,535 |
| Pretax return on assets | 1.8277% | 1,170 |
| Return on Equity (ROE) | 10.8444% | 2,481 |
| Retained earnings to average equity (ytd only) | 10.8444% | 1,163 |
| Net charge-offs to loans | -0.0041% | 3,374 |
| Credit loss provision to net charge-offs | 5,352.9412% | 128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4368% | 4,645 |
| Assets per employee ($millions) | 19.9311% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.4065% | 1,765 |
| Net loans and leases to deposits | 76.6854% | 1,756 |
| Net loans and leases to core deposits | 77.6954% | 2,075 |
| Total domestic deposits to total assets | 85.2919% | 2,987 |
| Equity capital to assets | 13.8577% | 742 |
| Core capital (leverage) ratio | 13.5970% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2234% | 602 |
| Memoranda: | ||
| Average total assets | $1,240,718,667 | 801 |
| Average earning assets | $1,207,494,333 | 773 |
| Average equity | $164,048,333 | 660 |
| Average total loans | $824,656,000 | 800 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7088% | 4,468 |
| Cost of funding earning assets | 0.1089% | 4,598 |
| Net interest margin | 2.5999% | 4,151 |
| Noninterest income to average assets | 0.3955% | 3,112 |
| Noninterest expense to average assets | 1.2053% | 4,856 |
| Loan and lease loss provision to assets | -0.1149% | 4,735 |
| Net operating income to assets | 1.4335% | 1,487 |
| Return on assets (ROA) | 1.4335% | 1,560 |
| Pretax return on assets | 1.8274% | 1,238 |
| Return on Equity (ROE) | 11.1004% | 2,333 |
| Retained earnings to average equity (ytd only) | 11.1004% | 1,378 |
| Net charge-offs to loans | -0.0082% | 3,587 |
| Credit loss provision to net charge-offs | 2,117.6471% | 240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3084% | 4,696 |
| Assets per employee ($millions) | 21.0612% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.5607% | 1,975 |
| Net loans and leases to deposits | 75.0100% | 2,021 |
| Net loans and leases to core deposits | 76.1917% | 2,333 |
| Total domestic deposits to total assets | 86.0695% | 2,710 |
| Equity capital to assets | 12.9842% | 916 |
| Core capital (leverage) ratio | 11.8105% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4710% | 556 |
| Memoranda: | ||
| Average total assets | $1,253,178,500 | 793 |
| Average earning assets | $1,215,743,500 | 758 |
| Average equity | $161,831,500 | 661 |
| Average total loans | $834,201,500 | 783 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5135% | 4,003 |
| Cost of funding earning assets | 0.2288% | 4,471 |
| Net interest margin | 3.2848% | 3,109 |
| Noninterest income to average assets | 0.4146% | 3,029 |
| Noninterest expense to average assets | 1.4310% | 4,820 |
| Loan and lease loss provision to assets | 0.0684% | 3,522 |
| Net operating income to assets | 1.6614% | 553 |
| Return on assets (ROA) | 1.6614% | 597 |
| Pretax return on assets | 2.1107% | 356 |
| Return on Equity (ROE) | 11.6556% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.6556% | 358 |
| Net charge-offs to loans | -0.0024% | 4,007 |
| Credit loss provision to net charge-offs | -3,625.0000% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6399% | 4,881 |
| Assets per employee ($millions) | 22.1909% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.8244% | 1,974 |
| Net loans and leases to deposits | 77.4765% | 2,124 |
| Net loans and leases to core deposits | 78.7174% | 2,484 |
| Total domestic deposits to total assets | 86.2512% | 2,252 |
| Equity capital to assets | 12.8420% | 1,159 |
| Core capital (leverage) ratio | 14.4847% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4607% | 630 |
| Memoranda: | ||
| Average total assets | $1,059,999,000 | 835 |
| Average earning assets | $1,031,187,000 | 800 |
| Average equity | $151,094,400 | 673 |
| Average total loans | $828,122,000 | 761 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 4,124 |
| Cost of funding earning assets | 0.2577% | 4,484 |
| Net interest margin | 3.2933% | 3,216 |
| Noninterest income to average assets | 0.4231% | 2,968 |
| Noninterest expense to average assets | 1.4890% | 4,809 |
| Loan and lease loss provision to assets | 0.0953% | 3,125 |
| Net operating income to assets | 1.6106% | 707 |
| Return on assets (ROA) | 1.6106% | 778 |
| Pretax return on assets | 2.0458% | 477 |
| Return on Equity (ROE) | 10.9665% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.9665% | 580 |
| Net charge-offs to loans | -0.0027% | 3,932 |
| Credit loss provision to net charge-offs | -4,264.7059% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0182% | 4,870 |
| Assets per employee ($millions) | 20.1063% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 3,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 79.8106% | 633 |
| Net loans and leases to deposits | 94.1977% | 909 |
| Net loans and leases to core deposits | 113.0920% | 592 |
| Total domestic deposits to total assets | 84.7266% | 2,541 |
| Equity capital to assets | 14.0370% | 849 |
| Core capital (leverage) ratio | 14.5129% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1687% | 658 |
| Memoranda: | ||
| Average total assets | $1,014,326,750 | 858 |
| Average earning assets | $987,761,500 | 809 |
| Average equity | $148,971,500 | 669 |
| Average total loans | $824,736,000 | 759 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,107 |
| Cost of funding earning assets | 0.3017% | 4,477 |
| Net interest margin | 3.3885% | 3,141 |
| Noninterest income to average assets | 0.4259% | 2,932 |
| Noninterest expense to average assets | 1.4982% | 4,848 |
| Loan and lease loss provision to assets | 0.1474% | 2,538 |
| Net operating income to assets | 1.6334% | 705 |
| Return on assets (ROA) | 1.6334% | 770 |
| Pretax return on assets | 2.0774% | 471 |
| Return on Equity (ROE) | 10.9404% | 1,650 |
| Retained earnings to average equity (ytd only) | 10.9404% | 612 |
| Net charge-offs to loans | -0.0027% | 3,873 |
| Credit loss provision to net charge-offs | -6,590.9091% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2424% | 4,911 |
| Assets per employee ($millions) | 19.8156% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 80.4743% | 546 |
| Net loans and leases to deposits | 94.5670% | 904 |
| Net loans and leases to core deposits | 112.5111% | 647 |
| Total domestic deposits to total assets | 85.0976% | 2,354 |
| Equity capital to assets | 13.6085% | 955 |
| Core capital (leverage) ratio | 13.1345% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0834% | 766 |
| Memoranda: | ||
| Average total assets | $983,820,667 | 869 |
| Average earning assets | $957,289,000 | 822 |
| Average equity | $146,886,333 | 668 |
| Average total loans | $802,427,667 | 769 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 3,934 |
| Cost of funding earning assets | 0.4322% | 4,229 |
| Net interest margin | 3.5170% | 2,923 |
| Noninterest income to average assets | 0.4496% | 2,789 |
| Noninterest expense to average assets | 1.7023% | 4,778 |
| Loan and lease loss provision to assets | 0.1412% | 1,975 |
| Net operating income to assets | 1.6071% | 616 |
| Return on assets (ROA) | 1.6071% | 682 |
| Pretax return on assets | 2.0137% | 435 |
| Return on Equity (ROE) | 10.2193% | 1,670 |
| Retained earnings to average equity (ytd only) | 10.2193% | 702 |
| Net charge-offs to loans | -0.0043% | 3,808 |
| Credit loss provision to net charge-offs | -4,062.5000% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1329% | 4,878 |
| Assets per employee ($millions) | 17.1564% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 83.2538% | 329 |
| Net loans and leases to deposits | 100.2566% | 544 |
| Net loans and leases to core deposits | 126.5336% | 324 |
| Total domestic deposits to total assets | 83.0408% | 3,097 |
| Equity capital to assets | 15.8319% | 610 |
| Core capital (leverage) ratio | 17.0230% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7249% | 1,025 |
| Memoranda: | ||
| Average total assets | $920,893,000 | 890 |
| Average earning assets | $892,245,000 | 852 |
| Average equity | $144,824,500 | 673 |
| Average total loans | $752,602,500 | 789 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 3,238 |
| Cost of funding earning assets | 0.6213% | 3,550 |
| Net interest margin | 3.7827% | 2,561 |
| Noninterest income to average assets | 0.4553% | 2,978 |
| Noninterest expense to average assets | 1.7777% | 4,796 |
| Loan and lease loss provision to assets | 0.0464% | 3,097 |
| Net operating income to assets | 1.8126% | 510 |
| Return on assets (ROA) | 1.8126% | 534 |
| Pretax return on assets | 2.2960% | 312 |
| Return on Equity (ROE) | 11.5380% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.5380% | 276 |
| Net charge-offs to loans | -0.0113% | 4,501 |
| Credit loss provision to net charge-offs | -493.8272% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1482% | 5,007 |
| Assets per employee ($millions) | 16.6426% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.3200% | 1,027 |
| Net loans and leases to deposits | 93.9781% | 1,153 |
| Net loans and leases to core deposits | 113.9375% | 675 |
| Total domestic deposits to total assets | 83.3386% | 3,087 |
| Equity capital to assets | 15.6199% | 669 |
| Core capital (leverage) ratio | 16.6427% | 456 |
| Tier 1 risk-based capital ratio | 18.2726% | 1,695 |
| Total risk-based capital ratio | 19.3185% | 1,699 |
| Memoranda: | ||
| Average total assets | $862,552,000 | 915 |
| Average earning assets | $835,670,000 | 867 |
| Average equity | $135,508,800 | 682 |
| Average total loans | $718,497,600 | 792 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 3,048 |
| Cost of funding earning assets | 0.6460% | 3,469 |
| Net interest margin | 3.8598% | 2,404 |
| Noninterest income to average assets | 0.4618% | 2,949 |
| Noninterest expense to average assets | 1.7597% | 4,866 |
| Loan and lease loss provision to assets | 0.0235% | 3,427 |
| Net operating income to assets | 1.9090% | 482 |
| Return on assets (ROA) | 1.9090% | 501 |
| Pretax return on assets | 2.4179% | 294 |
| Return on Equity (ROE) | 12.1326% | 1,566 |
| Retained earnings to average equity (ytd only) | 12.1326% | 366 |
| Net charge-offs to loans | -0.0063% | 4,262 |
| Credit loss provision to net charge-offs | -441.1765% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8862% | 5,081 |
| Assets per employee ($millions) | 15.9656% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 2,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.9366% | 456 |
| Net loans and leases to deposits | 100.0763% | 630 |
| Net loans and leases to core deposits | 123.5172% | 421 |
| Total domestic deposits to total assets | 82.8734% | 3,205 |
| Equity capital to assets | 16.2103% | 600 |
| Core capital (leverage) ratio | 16.9885% | 447 |
| Tier 1 risk-based capital ratio | 18.0605% | 1,795 |
| Total risk-based capital ratio | 19.0818% | 1,809 |
| Memoranda: | ||
| Average total assets | $849,354,750 | 926 |
| Average earning assets | $822,853,500 | 879 |
| Average equity | $133,642,250 | 686 |
| Average total loans | $716,813,750 | 791 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 3,162 |
| Cost of funding earning assets | 0.6324% | 3,497 |
| Net interest margin | 3.8236% | 2,503 |
| Noninterest income to average assets | 0.4811% | 2,775 |
| Noninterest expense to average assets | 1.7397% | 4,938 |
| Loan and lease loss provision to assets | 0.0355% | 3,115 |
| Net operating income to assets | 1.9009% | 480 |
| Return on assets (ROA) | 1.9009% | 501 |
| Pretax return on assets | 2.4191% | 276 |
| Return on Equity (ROE) | 12.2063% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.2063% | 384 |
| Net charge-offs to loans | -0.0087% | 4,282 |
| Credit loss provision to net charge-offs | -483.8710% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4772% | 5,129 |
| Assets per employee ($millions) | 15.1233% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 89.1755% | 75 |
| Net loans and leases to deposits | 108.3469% | 260 |
| Net loans and leases to core deposits | 133.9412% | 258 |
| Total domestic deposits to total assets | 82.3056% | 3,434 |
| Equity capital to assets | 16.6074% | 516 |
| Core capital (leverage) ratio | 16.8970% | 442 |
| Tier 1 risk-based capital ratio | 17.3694% | 1,976 |
| Total risk-based capital ratio | 18.3806% | 1,996 |
| Memoranda: | ||
| Average total assets | $845,092,330 | 924 |
| Average earning assets | $820,700,000 | 877 |
| Average equity | $131,604,330 | 692 |
| Average total loans | $714,727,670 | 789 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 3,522 |
| Cost of funding earning assets | 0.6176% | 3,475 |
| Net interest margin | 3.6941% | 2,916 |
| Noninterest income to average assets | 0.4636% | 2,779 |
| Noninterest expense to average assets | 1.6786% | 5,036 |
| Loan and lease loss provision to assets | 0.0233% | 3,128 |
| Net operating income to assets | 1.8606% | 500 |
| Return on assets (ROA) | 1.8606% | 515 |
| Pretax return on assets | 2.3535% | 326 |
| Return on Equity (ROE) | 12.3370% | 1,432 |
| Retained earnings to average equity (ytd only) | 12.3370% | 558 |
| Net charge-offs to loans | -0.0063% | 4,080 |
| Credit loss provision to net charge-offs | -454.5455% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3912% | 5,177 |
| Assets per employee ($millions) | 15.7043% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 84.2140% | 350 |
| Net loans and leases to deposits | 101.5652% | 521 |
| Net loans and leases to core deposits | 125.2640% | 397 |
| Total domestic deposits to total assets | 82.9162% | 3,412 |
| Equity capital to assets | 15.8102% | 607 |
| Core capital (leverage) ratio | 16.0529% | 523 |
| Tier 1 risk-based capital ratio | 17.3541% | 1,997 |
| Total risk-based capital ratio | 18.3793% | 2,014 |
| Memoranda: | ||
| Average total assets | $859,308,500 | 911 |
| Average earning assets | $835,485,000 | 863 |
| Average equity | $129,593,500 | 704 |
| Average total loans | $703,942,000 | 810 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,837 |
| Cost of funding earning assets | 0.4525% | 3,665 |
| Net interest margin | 3.6182% | 3,320 |
| Noninterest income to average assets | 0.4157% | 3,343 |
| Noninterest expense to average assets | 1.6188% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8246% | 523 |
| Return on assets (ROA) | 1.8246% | 520 |
| Pretax return on assets | 2.3285% | 284 |
| Return on Equity (ROE) | 12.8657% | 1,390 |
| Retained earnings to average equity (ytd only) | 12.8657% | 245 |
| Net charge-offs to loans | -0.0029% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0093% | 5,264 |
| Assets per employee ($millions) | 17.0441% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.9850% | 1,273 |
| Net loans and leases to deposits | 92.3073% | 1,506 |
| Net loans and leases to core deposits | 111.5835% | 903 |
| Total domestic deposits to total assets | 84.4841% | 2,842 |
| Equity capital to assets | 14.3965% | 868 |
| Core capital (leverage) ratio | 15.3510% | 619 |
| Tier 1 risk-based capital ratio | 17.2644% | 1,965 |
| Total risk-based capital ratio | 18.3075% | 1,991 |
| Memoranda: | ||
| Average total assets | $845,895,800 | 900 |
| Average earning assets | $825,656,600 | 851 |
| Average equity | $119,962,000 | 718 |
| Average total loans | $685,590,600 | 806 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,925 |
| Cost of funding earning assets | 0.4085% | 3,800 |
| Net interest margin | 3.5942% | 3,387 |
| Noninterest income to average assets | 0.4168% | 3,376 |
| Noninterest expense to average assets | 1.5951% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8283% | 573 |
| Return on assets (ROA) | 1.8283% | 575 |
| Pretax return on assets | 2.3337% | 319 |
| Return on Equity (ROE) | 12.9441% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.9441% | 367 |
| Net charge-offs to loans | -0.0031% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6001% | 5,316 |
| Assets per employee ($millions) | 16.3014% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.3045% | 829 |
| Net loans and leases to deposits | 96.1367% | 1,143 |
| Net loans and leases to core deposits | 116.1606% | 705 |
| Total domestic deposits to total assets | 84.5718% | 2,775 |
| Equity capital to assets | 14.6039% | 802 |
| Core capital (leverage) ratio | 14.7866% | 759 |
| Tier 1 risk-based capital ratio | 17.1614% | 2,037 |
| Total risk-based capital ratio | 18.2304% | 2,062 |
| Memoranda: | ||
| Average total assets | $835,797,000 | 907 |
| Average earning assets | $816,674,750 | 856 |
| Average equity | $118,053,750 | 723 |
| Average total loans | $682,230,500 | 810 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,130 |
| Cost of funding earning assets | 0.3627% | 3,990 |
| Net interest margin | 3.5168% | 3,578 |
| Noninterest income to average assets | 0.4330% | 3,268 |
| Noninterest expense to average assets | 1.5462% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8148% | 562 |
| Return on assets (ROA) | 1.8148% | 567 |
| Pretax return on assets | 2.3211% | 310 |
| Return on Equity (ROE) | 12.9980% | 1,375 |
| Retained earnings to average equity (ytd only) | 12.9980% | 379 |
| Net charge-offs to loans | -0.0027% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9813% | 5,400 |
| Assets per employee ($millions) | 15.2181% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.5248% | 403 |
| Net loans and leases to deposits | 100.3227% | 784 |
| Net loans and leases to core deposits | 122.2550% | 509 |
| Total domestic deposits to total assets | 84.2529% | 2,970 |
| Equity capital to assets | 14.8631% | 713 |
| Core capital (leverage) ratio | 15.8943% | 516 |
| Tier 1 risk-based capital ratio | 16.7238% | 2,188 |
| Total risk-based capital ratio | 17.7980% | 2,188 |
| Memoranda: | ||
| Average total assets | $831,838,330 | 915 |
| Average earning assets | $812,337,000 | 865 |
| Average equity | $116,140,670 | 732 |
| Average total loans | $677,291,000 | 813 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7512% | 4,355 |
| Cost of funding earning assets | 0.3292% | 4,139 |
| Net interest margin | 3.4220% | 3,812 |
| Noninterest income to average assets | 0.4334% | 3,219 |
| Noninterest expense to average assets | 1.4215% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8369% | 520 |
| Return on assets (ROA) | 1.8369% | 522 |
| Pretax return on assets | 2.3551% | 289 |
| Return on Equity (ROE) | 13.5747% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.5747% | 450 |
| Net charge-offs to loans | -0.0030% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6395% | 5,492 |
| Assets per employee ($millions) | 16.8291% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.2260% | 1,355 |
| Net loans and leases to deposits | 90.1713% | 1,673 |
| Net loans and leases to core deposits | 108.8414% | 1,073 |
| Total domestic deposits to total assets | 85.6437% | 2,696 |
| Equity capital to assets | 13.5398% | 1,034 |
| Core capital (leverage) ratio | 15.1303% | 631 |
| Tier 1 risk-based capital ratio | 16.6026% | 2,243 |
| Total risk-based capital ratio | 17.7015% | 2,238 |
| Memoranda: | ||
| Average total assets | $844,477,500 | 903 |
| Average earning assets | $825,024,000 | 861 |
| Average equity | $114,271,000 | 745 |
| Average total loans | $671,142,000 | 819 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,766 |
| Cost of funding earning assets | 0.2976% | 4,167 |
| Net interest margin | 3.5914% | 3,199 |
| Noninterest income to average assets | 0.4299% | 3,439 |
| Noninterest expense to average assets | 1.6739% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5087% | 785 |
| Return on assets (ROA) | 1.5087% | 802 |
| Pretax return on assets | 2.2433% | 296 |
| Return on Equity (ROE) | 10.7491% | 1,564 |
| Retained earnings to average equity (ytd only) | 10.7491% | 268 |
| Net charge-offs to loans | -0.0047% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7318% | 5,479 |
| Assets per employee ($millions) | 16.6134% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.9096% | 973 |
| Net loans and leases to deposits | 92.7541% | 1,413 |
| Net loans and leases to core deposits | 113.6256% | 813 |
| Total domestic deposits to total assets | 86.1522% | 2,369 |
| Equity capital to assets | 13.5230% | 1,051 |
| Core capital (leverage) ratio | 14.9899% | 622 |
| Tier 1 risk-based capital ratio | 15.9258% | 2,459 |
| Total risk-based capital ratio | 17.0149% | 2,468 |
| Memoranda: | ||
| Average total assets | $756,745,000 | 976 |
| Average earning assets | $734,808,000 | 934 |
| Average equity | $106,213,200 | 769 |
| Average total loans | $638,206,000 | 822 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,645 |
| Cost of funding earning assets | 0.2832% | 4,288 |
| Net interest margin | 3.6306% | 3,038 |
| Noninterest income to average assets | 0.3975% | 3,701 |
| Noninterest expense to average assets | 1.7150% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3890% | 1,115 |
| Return on assets (ROA) | 1.3890% | 1,132 |
| Pretax return on assets | 2.2046% | 359 |
| Return on Equity (ROE) | 9.7956% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.7956% | 627 |
| Net charge-offs to loans | -0.0057% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7543% | 5,487 |
| Assets per employee ($millions) | 14.4799% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,759 |
| Loan loss allowance to noncurrent loans | 3,643.7209% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,098 |
| Noncurrent loans to loans | 0.0337% | 4,969 |
| Net loans and leases to total assets | 85.3863% | 302 |
| Net loans and leases to deposits | 101.1773% | 664 |
| Net loans and leases to core deposits | 127.9181% | 371 |
| Total domestic deposits to total assets | 84.3927% | 2,959 |
| Equity capital to assets | 14.7012% | 807 |
| Core capital (leverage) ratio | 14.8954% | 682 |
| Tier 1 risk-based capital ratio | 15.9979% | 2,507 |
| Total risk-based capital ratio | 17.1324% | 2,488 |
| Memoranda: | ||
| Average total assets | $738,263,250 | 1,002 |
| Average earning assets | $716,192,500 | 963 |
| Average equity | $104,683,500 | 783 |
| Average total loans | $629,851,500 | 836 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 3,761 |
| Cost of funding earning assets | 0.2649% | 4,421 |
| Net interest margin | 3.5736% | 3,133 |
| Noninterest income to average assets | 0.4053% | 3,659 |
| Noninterest expense to average assets | 1.6936% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3720% | 1,127 |
| Return on assets (ROA) | 1.3720% | 1,152 |
| Pretax return on assets | 2.1807% | 368 |
| Return on Equity (ROE) | 9.7959% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.7959% | 622 |
| Net charge-offs to loans | -0.0067% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7133% | 5,534 |
| Assets per employee ($millions) | 14.5619% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,830 |
| Loan loss allowance to noncurrent loans | 3,574.4292% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 5,147 |
| Noncurrent loans to loans | 0.0344% | 5,019 |
| Net loans and leases to total assets | 84.6382% | 379 |
| Net loans and leases to deposits | 99.8767% | 750 |
| Net loans and leases to core deposits | 123.3510% | 453 |
| Total domestic deposits to total assets | 84.7426% | 2,913 |
| Equity capital to assets | 14.2647% | 887 |
| Core capital (leverage) ratio | 14.9924% | 626 |
| Tier 1 risk-based capital ratio | 15.7664% | 2,594 |
| Total risk-based capital ratio | 16.9110% | 2,570 |
| Memoranda: | ||
| Average total assets | $738,192,000 | 1,005 |
| Average earning assets | $716,596,670 | 964 |
| Average equity | $103,389,670 | 793 |
| Average total loans | $627,004,670 | 841 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 3,803 |
| Cost of funding earning assets | 0.2682% | 4,376 |
| Net interest margin | 3.5193% | 3,204 |
| Noninterest income to average assets | 0.3913% | 3,728 |
| Noninterest expense to average assets | 1.6447% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3501% | 1,119 |
| Return on assets (ROA) | 1.3501% | 1,154 |
| Pretax return on assets | 2.1632% | 376 |
| Return on Equity (ROE) | 9.7302% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.7302% | 874 |
| Net charge-offs to loans | -0.0103% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1916% | 5,621 |
| Assets per employee ($millions) | 14.3151% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,873 |
| Loan loss allowance to noncurrent loans | 3,386.5801% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 5,186 |
| Noncurrent loans to loans | 0.0367% | 5,055 |
| Net loans and leases to total assets | 86.8284% | 167 |
| Net loans and leases to deposits | 102.7104% | 462 |
| Net loans and leases to core deposits | 126.4815% | 313 |
| Total domestic deposits to total assets | 84.5371% | 3,284 |
| Equity capital to assets | 14.4403% | 778 |
| Core capital (leverage) ratio | 14.4562% | 724 |
| Tier 1 risk-based capital ratio | 15.5466% | 2,737 |
| Total risk-based capital ratio | 16.7021% | 2,705 |
| Memoranda: | ||
| Average total assets | $735,959,000 | 1,008 |
| Average earning assets | $714,452,500 | 968 |
| Average equity | $102,115,500 | 801 |
| Average total loans | $622,307,000 | 845 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,232 |
| Cost of funding earning assets | 0.2795% | 4,259 |
| Net interest margin | 3.4122% | 3,777 |
| Noninterest income to average assets | 0.4151% | 3,774 |
| Noninterest expense to average assets | 1.6263% | 5,631 |
| Loan and lease loss provision to assets | -0.1072% | 5,697 |
| Net operating income to assets | 1.3798% | 1,052 |
| Return on assets (ROA) | 1.3798% | 1,096 |
| Pretax return on assets | 2.2155% | 316 |
| Return on Equity (ROE) | 10.7450% | 1,674 |
| Retained earnings to average equity (ytd only) | 10.7450% | 331 |
| Net charge-offs to loans | -0.0067% | 4,856 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5469% | 5,711 |
| Assets per employee ($millions) | 14.2673% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,712 |
| Loan loss allowance to noncurrent loans | 3,186.5306% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,240 |
| Noncurrent loans to loans | 0.0398% | 5,097 |
| Net loans and leases to total assets | 80.3405% | 845 |
| Net loans and leases to deposits | 93.7271% | 1,224 |
| Net loans and leases to core deposits | 114.3248% | 684 |
| Total domestic deposits to total assets | 85.7175% | 2,720 |
| Equity capital to assets | 13.3402% | 1,115 |
| Core capital (leverage) ratio | 13.9781% | 821 |
| Tier 1 risk-based capital ratio | 15.5424% | 2,734 |
| Total risk-based capital ratio | 16.7231% | 2,694 |
| Memoranda: | ||
| Average total assets | $746,480,800 | 969 |
| Average earning assets | $726,179,000 | 912 |
| Average equity | $95,858,800 | 831 |
| Average total loans | $601,496,600 | 831 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 4,410 |
| Cost of funding earning assets | 0.2806% | 4,287 |
| Net interest margin | 3.3690% | 3,959 |
| Noninterest income to average assets | 0.4250% | 3,730 |
| Noninterest expense to average assets | 1.6298% | 5,667 |
| Loan and lease loss provision to assets | -0.1434% | 5,834 |
| Net operating income to assets | 1.3785% | 1,105 |
| Return on assets (ROA) | 1.3785% | 1,170 |
| Pretax return on assets | 2.2175% | 370 |
| Return on Equity (ROE) | 10.8420% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.8420% | 443 |
| Net charge-offs to loans | -0.0085% | 4,727 |
| Credit loss provision to net charge-offs | 2,105.2632% | 227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0010% | 5,748 |
| Assets per employee ($millions) | 14.0176% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,893 |
| Loan loss allowance to noncurrent loans | 2,295.5882% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 5,285 |
| Noncurrent loans to loans | 0.0549% | 5,134 |
| Net loans and leases to total assets | 82.2913% | 579 |
| Net loans and leases to deposits | 95.9239% | 1,057 |
| Net loans and leases to core deposits | 119.2564% | 529 |
| Total domestic deposits to total assets | 85.7881% | 2,460 |
| Equity capital to assets | 13.2359% | 1,380 |
| Core capital (leverage) ratio | 13.5011% | 1,000 |
| Tier 1 risk-based capital ratio | 15.2848% | 2,925 |
| Total risk-based capital ratio | 16.4758% | 2,879 |
| Memoranda: | ||
| Average total assets | $744,059,750 | 970 |
| Average earning assets | $724,142,500 | 918 |
| Average equity | $94,605,000 | 847 |
| Average total loans | $598,042,250 | 832 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 4,582 |
| Cost of funding earning assets | 0.2809% | 4,337 |
| Net interest margin | 3.3203% | 4,156 |
| Noninterest income to average assets | 0.4489% | 3,535 |
| Noninterest expense to average assets | 1.6152% | 5,750 |
| Loan and lease loss provision to assets | -0.2149% | 5,941 |
| Net operating income to assets | 1.4177% | 1,033 |
| Return on assets (ROA) | 1.4177% | 1,074 |
| Pretax return on assets | 2.2844% | 314 |
| Return on Equity (ROE) | 11.3044% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.3044% | 403 |
| Net charge-offs to loans | -0.0125% | 4,771 |
| Credit loss provision to net charge-offs | 2,162.1622% | 193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8352% | 5,816 |
| Assets per employee ($millions) | 14.2138% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,939 |
| Loan loss allowance to noncurrent loans | 2,161.7729% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,371 |
| Noncurrent loans to loans | 0.0589% | 5,213 |
| Net loans and leases to total assets | 80.3615% | 849 |
| Net loans and leases to deposits | 92.9633% | 1,399 |
| Net loans and leases to core deposits | 115.4238% | 656 |
| Total domestic deposits to total assets | 86.4444% | 2,199 |
| Equity capital to assets | 12.7325% | 1,644 |
| Core capital (leverage) ratio | 13.3612% | 1,033 |
| Tier 1 risk-based capital ratio | 14.8837% | 3,127 |
| Total risk-based capital ratio | 16.0720% | 3,097 |
| Memoranda: | ||
| Average total assets | $744,435,330 | 974 |
| Average earning assets | $725,481,670 | 913 |
| Average equity | $93,362,000 | 856 |
| Average total loans | $590,998,330 | 839 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,753 |
| Cost of funding earning assets | 0.2855% | 4,327 |
| Net interest margin | 3.2681% | 4,337 |
| Noninterest income to average assets | 0.4876% | 3,212 |
| Noninterest expense to average assets | 1.5671% | 5,856 |
| Loan and lease loss provision to assets | -0.4324% | 6,075 |
| Net operating income to assets | 1.5600% | 768 |
| Return on assets (ROA) | 1.5600% | 803 |
| Pretax return on assets | 2.5336% | 227 |
| Return on Equity (ROE) | 12.5364% | 1,142 |
| Retained earnings to average equity (ytd only) | 12.5364% | 434 |
| Net charge-offs to loans | -0.0014% | 4,091 |
| Credit loss provision to net charge-offs | 40,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7203% | 5,900 |
| Assets per employee ($millions) | 13.3006% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,835 |
| Loan loss allowance to noncurrent loans | 2,023.1771% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,398 |
| Noncurrent loans to loans | 0.0649% | 5,217 |
| Net loans and leases to total assets | 81.2632% | 652 |
| Net loans and leases to deposits | 94.2876% | 1,118 |
| Net loans and leases to core deposits | 118.5968% | 506 |
| Total domestic deposits to total assets | 86.1865% | 2,595 |
| Equity capital to assets | 13.0218% | 1,394 |
| Core capital (leverage) ratio | 13.2073% | 1,080 |
| Tier 1 risk-based capital ratio | 15.3511% | 2,996 |
| Total risk-based capital ratio | 16.6012% | 2,935 |
| Memoranda: | ||
| Average total assets | $739,986,500 | 977 |
| Average earning assets | $720,167,500 | 919 |
| Average equity | $92,084,000 | 863 |
| Average total loans | $579,900,500 | 849 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 5,010 |
| Cost of funding earning assets | 0.3009% | 4,240 |
| Net interest margin | 3.1657% | 4,733 |
| Noninterest income to average assets | 0.3939% | 4,073 |
| Noninterest expense to average assets | 1.6688% | 5,869 |
| Loan and lease loss provision to assets | -0.0689% | 5,784 |
| Net operating income to assets | 1.1598% | 1,699 |
| Return on assets (ROA) | 1.1598% | 1,772 |
| Pretax return on assets | 1.8705% | 694 |
| Return on Equity (ROE) | 9.8209% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.8209% | 488 |
| Net charge-offs to loans | -0.1049% | 5,790 |
| Credit loss provision to net charge-offs | 85.3242% | 2,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0871% | 5,840 |
| Assets per employee ($millions) | 14.1063% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,968 |
| Loan loss allowance to noncurrent loans | 273.2695% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 3,954 |
| Noncurrent loans to loans | 0.5516% | 3,516 |
| Net loans and leases to total assets | 73.4904% | 1,807 |
| Net loans and leases to deposits | 84.1224% | 2,345 |
| Net loans and leases to core deposits | 104.2867% | 1,205 |
| Total domestic deposits to total assets | 87.3613% | 1,946 |
| Equity capital to assets | 11.8992% | 2,028 |
| Core capital (leverage) ratio | 13.1516% | 1,094 |
| Tier 1 risk-based capital ratio | 15.6458% | 2,860 |
| Total risk-based capital ratio | 16.8982% | 2,789 |
| Memoranda: | ||
| Average total assets | $726,076,200 | 954 |
| Average earning assets | $705,620,800 | 907 |
| Average equity | $85,745,400 | 890 |
| Average total loans | $558,857,000 | 838 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 5,017 |
| Cost of funding earning assets | 0.3105% | 4,224 |
| Net interest margin | 3.1735% | 4,766 |
| Noninterest income to average assets | 0.4042% | 4,058 |
| Noninterest expense to average assets | 1.7879% | 5,789 |
| Loan and lease loss provision to assets | 0.0186% | 3,903 |
| Net operating income to assets | 1.0409% | 2,267 |
| Return on assets (ROA) | 1.0409% | 2,362 |
| Pretax return on assets | 1.6782% | 1,166 |
| Return on Equity (ROE) | 8.8322% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.8322% | 964 |
| Net charge-offs to loans | 0.0043% | 4,030 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 507.0429% | 138 |
| Efficiency ratio | 51.3071% | 5,695 |
| Assets per employee ($millions) | 13.2069% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 2,104 |
| Loan loss allowance to noncurrent loans | 271.4105% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 4,014 |
| Noncurrent loans to loans | 0.5574% | 3,660 |
| Net loans and leases to total assets | 78.1663% | 1,076 |
| Net loans and leases to deposits | 89.8993% | 1,664 |
| Net loans and leases to core deposits | 113.8431% | 677 |
| Total domestic deposits to total assets | 86.9487% | 2,068 |
| Equity capital to assets | 12.2509% | 1,906 |
| Core capital (leverage) ratio | 13.2475% | 1,113 |
| Tier 1 risk-based capital ratio | 15.2307% | 3,176 |
| Total risk-based capital ratio | 16.4831% | 3,112 |
| Memoranda: | ||
| Average total assets | $717,160,500 | 972 |
| Average earning assets | $696,175,000 | 927 |
| Average equity | $84,521,500 | 911 |
| Average total loans | $556,478,250 | 848 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 5,069 |
| Cost of funding earning assets | 0.3216% | 4,136 |
| Net interest margin | 3.1465% | 4,838 |
| Noninterest income to average assets | 0.4056% | 4,045 |
| Noninterest expense to average assets | 1.7779% | 5,881 |
| Loan and lease loss provision to assets | 0.0278% | 3,570 |
| Net operating income to assets | 1.0244% | 2,264 |
| Return on assets (ROA) | 1.0244% | 2,380 |
| Pretax return on assets | 1.6554% | 1,180 |
| Return on Equity (ROE) | 8.8068% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.8068% | 987 |
| Net charge-offs to loans | -0.0029% | 4,639 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3672% | 5,761 |
| Assets per employee ($millions) | 12.5144% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,149 |
| Loan loss allowance to noncurrent loans | 270.3494% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 4,051 |
| Noncurrent loans to loans | 0.5667% | 3,750 |
| Net loans and leases to total assets | 81.6827% | 585 |
| Net loans and leases to deposits | 96.4613% | 915 |
| Net loans and leases to core deposits | 122.4730% | 405 |
| Total domestic deposits to total assets | 84.6793% | 3,258 |
| Equity capital to assets | 12.6449% | 1,579 |
| Core capital (leverage) ratio | 12.9716% | 1,181 |
| Tier 1 risk-based capital ratio | 15.0657% | 3,320 |
| Total risk-based capital ratio | 16.3185% | 3,260 |
| Memoranda: | ||
| Average total assets | $718,489,670 | 971 |
| Average earning assets | $697,732,670 | 919 |
| Average equity | $83,572,000 | 918 |
| Average total loans | $553,296,330 | 852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 5,480 |
| Cost of funding earning assets | 0.3314% | 4,074 |
| Net interest margin | 2.9540% | 5,336 |
| Noninterest income to average assets | 0.3914% | 4,074 |
| Noninterest expense to average assets | 1.6939% | 6,020 |
| Loan and lease loss provision to assets | 0.0541% | 2,859 |
| Net operating income to assets | 0.9315% | 2,599 |
| Return on assets (ROA) | 0.9315% | 2,728 |
| Pretax return on assets | 1.5160% | 1,510 |
| Return on Equity (ROE) | 8.3405% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.3405% | 1,441 |
| Net charge-offs to loans | -0.0029% | 4,388 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8966% | 5,814 |
| Assets per employee ($millions) | 13.1689% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 2,181 |
| Loan loss allowance to noncurrent loans | 261.2599% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 4,224 |
| Noncurrent loans to loans | 0.5982% | 3,781 |
| Net loans and leases to total assets | 74.6587% | 1,408 |
| Net loans and leases to deposits | 86.1796% | 1,811 |
| Net loans and leases to core deposits | 117.3901% | 473 |
| Total domestic deposits to total assets | 86.6315% | 2,586 |
| Equity capital to assets | 11.5277% | 2,443 |
| Core capital (leverage) ratio | 11.7789% | 1,792 |
| Tier 1 risk-based capital ratio | 15.0013% | 3,437 |
| Total risk-based capital ratio | 16.2543% | 3,362 |
| Memoranda: | ||
| Average total assets | $739,846,000 | 940 |
| Average earning assets | $719,429,000 | 898 |
| Average equity | $82,632,500 | 924 |
| Average total loans | $549,653,500 | 854 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,927 |
| Cost of funding earning assets | 0.3687% | 4,053 |
| Net interest margin | 3.2831% | 4,642 |
| Noninterest income to average assets | 0.3787% | 4,356 |
| Noninterest expense to average assets | 1.7052% | 6,149 |
| Loan and lease loss provision to assets | 0.0577% | 3,389 |
| Net operating income to assets | 1.1034% | 1,961 |
| Return on assets (ROA) | 1.1034% | 2,016 |
| Pretax return on assets | 1.7886% | 815 |
| Return on Equity (ROE) | 9.7259% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.7259% | 564 |
| Net charge-offs to loans | -0.0344% | 5,828 |
| Credit loss provision to net charge-offs | -216.2162% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0151% | 6,185 |
| Assets per employee ($millions) | 13.7345% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,294 |
| Loan loss allowance to noncurrent loans | 1,741.4784% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 5,763 |
| Noncurrent loans to loans | 0.0885% | 5,534 |
| Net loans and leases to total assets | 71.6831% | 1,958 |
| Net loans and leases to deposits | 85.1966% | 2,074 |
| Net loans and leases to core deposits | 116.7005% | 507 |
| Total domestic deposits to total assets | 84.1385% | 3,650 |
| Equity capital to assets | 10.8249% | 3,093 |
| Core capital (leverage) ratio | 11.9366% | 1,667 |
| Tier 1 risk-based capital ratio | 14.6246% | 3,708 |
| Total risk-based capital ratio | 15.8774% | 3,632 |
| Memoranda: | ||
| Average total assets | $693,682,200 | 963 |
| Average earning assets | $670,382,200 | 919 |
| Average equity | $78,696,800 | 930 |
| Average total loans | $538,036,200 | 820 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,795 |
| Cost of funding earning assets | 0.3800% | 4,018 |
| Net interest margin | 3.3420% | 4,461 |
| Noninterest income to average assets | 0.3792% | 4,404 |
| Noninterest expense to average assets | 1.7588% | 6,144 |
| Loan and lease loss provision to assets | 0.0786% | 2,770 |
| Net operating income to assets | 1.0763% | 2,128 |
| Return on assets (ROA) | 1.0763% | 2,196 |
| Pretax return on assets | 1.7647% | 954 |
| Return on Equity (ROE) | 9.3674% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.3674% | 884 |
| Net charge-offs to loans | -0.0374% | 5,810 |
| Credit loss provision to net charge-offs | -266.6667% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8267% | 6,167 |
| Assets per employee ($millions) | 12.7911% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 2,518 |
| Loan loss allowance to noncurrent loans | 1,699.3964% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 5,870 |
| Noncurrent loans to loans | 0.0909% | 5,672 |
| Net loans and leases to total assets | 77.9066% | 973 |
| Net loans and leases to deposits | 89.5724% | 1,471 |
| Net loans and leases to core deposits | 119.6101% | 404 |
| Total domestic deposits to total assets | 86.9762% | 2,336 |
| Equity capital to assets | 11.6894% | 2,320 |
| Core capital (leverage) ratio | 12.1990% | 1,571 |
| Tier 1 risk-based capital ratio | 14.4930% | 3,890 |
| Total risk-based capital ratio | 15.7460% | 3,832 |
| Memoranda: | ||
| Average total assets | $678,252,750 | 996 |
| Average earning assets | $654,087,250 | 951 |
| Average equity | $77,928,250 | 942 |
| Average total loans | $535,051,500 | 825 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,798 |
| Cost of funding earning assets | 0.3882% | 4,015 |
| Net interest margin | 3.3316% | 4,468 |
| Noninterest income to average assets | 0.3804% | 4,399 |
| Noninterest expense to average assets | 1.7965% | 6,151 |
| Loan and lease loss provision to assets | 0.0890% | 2,542 |
| Net operating income to assets | 1.0283% | 2,212 |
| Return on assets (ROA) | 1.0283% | 2,275 |
| Pretax return on assets | 1.7006% | 1,021 |
| Return on Equity (ROE) | 9.0037% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.0037% | 986 |
| Net charge-offs to loans | -0.0542% | 5,917 |
| Credit loss provision to net charge-offs | -208.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0951% | 6,168 |
| Assets per employee ($millions) | 12.2879% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 2,664 |
| Loan loss allowance to noncurrent loans | 1,638.5069% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 5,946 |
| Noncurrent loans to loans | 0.0946% | 5,732 |
| Net loans and leases to total assets | 79.8279% | 705 |
| Net loans and leases to deposits | 93.6607% | 991 |
| Net loans and leases to core deposits | 126.4288% | 263 |
| Total domestic deposits to total assets | 85.2310% | 3,394 |
| Equity capital to assets | 11.8652% | 2,093 |
| Core capital (leverage) ratio | 12.0314% | 1,633 |
| Tier 1 risk-based capital ratio | 14.2523% | 4,097 |
| Total risk-based capital ratio | 15.5053% | 4,026 |
| Memoranda: | ||
| Average total assets | $674,097,670 | 1,001 |
| Average earning assets | $648,629,670 | 958 |
| Average equity | $76,990,670 | 947 |
| Average total loans | $531,215,000 | 828 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 5,078 |
| Cost of funding earning assets | 0.3831% | 4,159 |
| Net interest margin | 3.2444% | 4,763 |
| Noninterest income to average assets | 0.3768% | 4,377 |
| Noninterest expense to average assets | 1.7722% | 6,252 |
| Loan and lease loss provision to assets | 0.0589% | 2,935 |
| Net operating income to assets | 1.0074% | 2,186 |
| Return on assets (ROA) | 1.0074% | 2,247 |
| Pretax return on assets | 1.6768% | 1,024 |
| Return on Equity (ROE) | 8.9910% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.9910% | 1,256 |
| Net charge-offs to loans | -0.1023% | 6,125 |
| Credit loss provision to net charge-offs | -74.0741% | 4,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5203% | 6,224 |
| Assets per employee ($millions) | 12.8187% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 3,029 |
| Loan loss allowance to noncurrent loans | 1,537.0510% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 6,015 |
| Noncurrent loans to loans | 0.0993% | 5,827 |
| Net loans and leases to total assets | 77.1869% | 857 |
| Net loans and leases to deposits | 88.3388% | 1,322 |
| Net loans and leases to core deposits | 116.4143% | 400 |
| Total domestic deposits to total assets | 87.3760% | 2,582 |
| Equity capital to assets | 11.3301% | 2,394 |
| Core capital (leverage) ratio | 11.6388% | 1,871 |
| Tier 1 risk-based capital ratio | 14.0538% | 4,299 |
| Total risk-based capital ratio | 15.3065% | 4,232 |
| Memoranda: | ||
| Average total assets | $679,373,500 | 1,002 |
| Average earning assets | $655,643,500 | 949 |
| Average equity | $76,120,500 | 958 |
| Average total loans | $527,805,000 | 830 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,894 |
| Cost of funding earning assets | 0.4509% | 4,102 |
| Net interest margin | 3.6061% | 3,443 |
| Noninterest income to average assets | 0.4066% | 4,394 |
| Noninterest expense to average assets | 1.7898% | 6,337 |
| Loan and lease loss provision to assets | 0.0762% | 3,582 |
| Net operating income to assets | 1.2420% | 1,418 |
| Return on assets (ROA) | 1.2390% | 1,486 |
| Pretax return on assets | 2.0011% | 478 |
| Return on Equity (ROE) | 11.5935% | 1,557 |
| Retained earnings to average equity (ytd only) | 11.5935% | 362 |
| Net charge-offs to loans | 0.2663% | 2,365 |
| Credit loss provision to net charge-offs | 36.1533% | 4,128 |
| Earnings coverage of net charge-offs (x) | 9.8821% | 2,453 |
| Efficiency ratio | 46.2268% | 6,546 |
| Assets per employee ($millions) | 12.5807% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,134 |
| Loan loss allowance to noncurrent loans | 1,095.1456% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 6,011 |
| Noncurrent loans to loans | 0.1378% | 5,796 |
| Net loans and leases to total assets | 75.8339% | 1,099 |
| Net loans and leases to deposits | 86.8598% | 1,591 |
| Net loans and leases to core deposits | 113.1527% | 490 |
| Total domestic deposits to total assets | 87.3061% | 2,576 |
| Equity capital to assets | 11.0789% | 2,543 |
| Core capital (leverage) ratio | 11.3672% | 2,058 |
| Tier 1 risk-based capital ratio | 14.1288% | 4,206 |
| Total risk-based capital ratio | 15.3814% | 4,154 |
| Memoranda: | ||
| Average total assets | $656,429,200 | 1,017 |
| Average earning assets | $630,794,000 | 961 |
| Average equity | $70,151,600 | 1,019 |
| Average total loans | $519,335,800 | 820 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,575 |
| Cost of funding earning assets | 0.4512% | 4,261 |
| Net interest margin | 3.6967% | 3,044 |
| Noninterest income to average assets | 0.4104% | 4,448 |
| Noninterest expense to average assets | 1.8167% | 6,317 |
| Loan and lease loss provision to assets | 0.1025% | 3,056 |
| Net operating income to assets | 1.2611% | 1,453 |
| Return on assets (ROA) | 1.2571% | 1,530 |
| Pretax return on assets | 2.0287% | 546 |
| Return on Equity (ROE) | 11.8766% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.8766% | 435 |
| Net charge-offs to loans | 0.3598% | 1,760 |
| Credit loss provision to net charge-offs | 35.7398% | 3,791 |
| Earnings coverage of net charge-offs (x) | 7.4567% | 2,793 |
| Efficiency ratio | 45.9426% | 6,588 |
| Assets per employee ($millions) | 12.0564% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,191 |
| Loan loss allowance to noncurrent loans | 986.2328% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 6,065 |
| Noncurrent loans to loans | 0.1580% | 5,843 |
| Net loans and leases to total assets | 75.0688% | 1,126 |
| Net loans and leases to deposits | 86.6324% | 1,540 |
| Net loans and leases to core deposits | 113.6014% | 460 |
| Total domestic deposits to total assets | 86.6521% | 2,885 |
| Equity capital to assets | 10.8424% | 2,923 |
| Core capital (leverage) ratio | 11.4334% | 2,097 |
| Tier 1 risk-based capital ratio | 14.1807% | 4,294 |
| Total risk-based capital ratio | 15.4338% | 4,242 |
| Memoranda: | ||
| Average total assets | $650,697,500 | 1,031 |
| Average earning assets | $623,786,000 | 983 |
| Average equity | $68,873,250 | 1,046 |
| Average total loans | $518,400,250 | 823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,250 |
| Cost of funding earning assets | 0.4461% | 4,469 |
| Net interest margin | 3.7816% | 2,629 |
| Noninterest income to average assets | 0.4225% | 4,361 |
| Noninterest expense to average assets | 1.8077% | 6,361 |
| Loan and lease loss provision to assets | 0.1547% | 2,381 |
| Net operating income to assets | 1.2806% | 1,371 |
| Return on assets (ROA) | 1.2744% | 1,486 |
| Pretax return on assets | 2.0846% | 510 |
| Return on Equity (ROE) | 12.1416% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.1416% | 468 |
| Net charge-offs to loans | 0.5442% | 1,213 |
| Credit loss provision to net charge-offs | 35.1617% | 3,500 |
| Earnings coverage of net charge-offs (x) | 5.1125% | 2,964 |
| Efficiency ratio | 44.5631% | 6,694 |
| Assets per employee ($millions) | 11.6566% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 3,604 |
| Loan loss allowance to noncurrent loans | 874.9443% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 5,828 |
| Noncurrent loans to loans | 0.1710% | 5,891 |
| Net loans and leases to total assets | 80.6696% | 474 |
| Net loans and leases to deposits | 92.8094% | 900 |
| Net loans and leases to core deposits | 123.1508% | 270 |
| Total domestic deposits to total assets | 86.9196% | 2,868 |
| Equity capital to assets | 10.8999% | 2,846 |
| Core capital (leverage) ratio | 11.4650% | 1,963 |
| Tier 1 risk-based capital ratio | 13.2327% | 4,972 |
| Total risk-based capital ratio | 14.4854% | 4,911 |
| Memoranda: | ||
| Average total assets | $646,563,000 | 1,040 |
| Average earning assets | $621,322,000 | 990 |
| Average equity | $67,865,670 | 1,063 |
| Average total loans | $522,646,330 | 805 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 3,260 |
| Cost of funding earning assets | 0.4426% | 4,676 |
| Net interest margin | 3.7692% | 2,573 |
| Noninterest income to average assets | 0.4226% | 4,298 |
| Noninterest expense to average assets | 1.7022% | 6,557 |
| Loan and lease loss provision to assets | 0.1232% | 2,688 |
| Net operating income to assets | 1.3868% | 1,056 |
| Return on assets (ROA) | 1.3868% | 1,139 |
| Pretax return on assets | 2.2117% | 409 |
| Return on Equity (ROE) | 13.4673% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.4673% | 500 |
| Net charge-offs to loans | 1.1061% | 546 |
| Credit loss provision to net charge-offs | 13.8696% | 3,109 |
| Earnings coverage of net charge-offs (x) | 2.6283% | 2,983 |
| Efficiency ratio | 42.1639% | 6,835 |
| Assets per employee ($millions) | 11.2487% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 3,965 |
| Loan loss allowance to noncurrent loans | 830.0661% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 5,530 |
| Noncurrent loans to loans | 0.1761% | 5,963 |
| Net loans and leases to total assets | 80.6665% | 369 |
| Net loans and leases to deposits | 92.1405% | 791 |
| Net loans and leases to core deposits | 114.3288% | 378 |
| Total domestic deposits to total assets | 87.5473% | 2,605 |
| Equity capital to assets | 10.7944% | 3,203 |
| Core capital (leverage) ratio | 11.2497% | 2,055 |
| Tier 1 risk-based capital ratio | 12.9331% | 5,277 |
| Total risk-based capital ratio | 14.1847% | 5,224 |
| Memoranda: | ||
| Average total assets | $649,287,500 | 1,047 |
| Average earning assets | $622,632,000 | 1,003 |
| Average equity | $66,858,000 | 1,092 |
| Average total loans | $521,449,000 | 806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 3,577 |
| Cost of funding earning assets | 0.5287% | 5,003 |
| Net interest margin | 3.9294% | 2,701 |
| Noninterest income to average assets | 0.4708% | 4,090 |
| Noninterest expense to average assets | 1.8626% | 6,536 |
| Loan and lease loss provision to assets | 0.2887% | 2,357 |
| Net operating income to assets | 1.2854% | 1,351 |
| Return on assets (ROA) | 1.2854% | 1,496 |
| Pretax return on assets | 2.1011% | 491 |
| Return on Equity (ROE) | 12.8630% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.8630% | 262 |
| Net charge-offs to loans | 0.3855% | 2,709 |
| Credit loss provision to net charge-offs | 91.8836% | 3,396 |
| Earnings coverage of net charge-offs (x) | 7.6054% | 2,562 |
| Efficiency ratio | 43.8007% | 6,854 |
| Assets per employee ($millions) | 11.7306% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,066 |
| Loan loss allowance to noncurrent loans | 369.9536% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 5,096 |
| Noncurrent loans to loans | 0.4501% | 5,379 |
| Net loans and leases to total assets | 77.5358% | 725 |
| Net loans and leases to deposits | 90.9077% | 990 |
| Net loans and leases to core deposits | 112.2594% | 459 |
| Total domestic deposits to total assets | 85.2907% | 3,715 |
| Equity capital to assets | 9.8287% | 4,413 |
| Core capital (leverage) ratio | 10.6448% | 2,605 |
| Tier 1 risk-based capital ratio | 12.1526% | 5,684 |
| Total risk-based capital ratio | 13.4065% | 5,642 |
| Memoranda: | ||
| Average total assets | $623,443,200 | 1,062 |
| Average earning assets | $599,987,200 | 1,001 |
| Average equity | $62,302,600 | 1,143 |
| Average total loans | $508,223,000 | 814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 3,595 |
| Cost of funding earning assets | 0.5428% | 5,148 |
| Net interest margin | 3.9677% | 2,637 |
| Noninterest income to average assets | 0.4748% | 4,103 |
| Noninterest expense to average assets | 1.9139% | 6,502 |
| Loan and lease loss provision to assets | 0.0436% | 5,231 |
| Net operating income to assets | 1.4399% | 1,143 |
| Return on assets (ROA) | 1.4399% | 1,265 |
| Pretax return on assets | 2.3451% | 378 |
| Return on Equity (ROE) | 14.3445% | 1,040 |
| Retained earnings to average equity (ytd only) | 14.3445% | 277 |
| Net charge-offs to loans | 0.1046% | 4,348 |
| Credit loss provision to net charge-offs | 50.6329% | 4,389 |
| Earnings coverage of net charge-offs (x) | 27.7647% | 1,173 |
| Efficiency ratio | 44.4821% | 6,883 |
| Assets per employee ($millions) | 10.9407% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 3,089 |
| Loan loss allowance to noncurrent loans | 1,338.8974% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 5,917 |
| Noncurrent loans to loans | 0.1283% | 6,285 |
| Net loans and leases to total assets | 78.8183% | 633 |
| Net loans and leases to deposits | 88.5984% | 1,283 |
| Net loans and leases to core deposits | 111.4351% | 521 |
| Total domestic deposits to total assets | 88.9614% | 1,454 |
| Equity capital to assets | 10.2177% | 4,181 |
| Core capital (leverage) ratio | 10.4745% | 2,946 |
| Tier 1 risk-based capital ratio | 12.4710% | 5,665 |
| Total risk-based capital ratio | 13.7258% | 5,626 |
| Memoranda: | ||
| Average total assets | $612,142,250 | 1,090 |
| Average earning assets | $590,551,250 | 1,026 |
| Average equity | $61,448,500 | 1,169 |
| Average total loans | $503,473,750 | 828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 3,495 |
| Cost of funding earning assets | 0.5539% | 5,281 |
| Net interest margin | 4.0132% | 2,443 |
| Noninterest income to average assets | 0.4856% | 4,019 |
| Noninterest expense to average assets | 1.9551% | 6,506 |
| Loan and lease loss provision to assets | 0.0662% | 4,810 |
| Net operating income to assets | 1.4037% | 1,189 |
| Return on assets (ROA) | 1.4037% | 1,322 |
| Pretax return on assets | 2.3325% | 390 |
| Return on Equity (ROE) | 14.0719% | 1,096 |
| Retained earnings to average equity (ytd only) | 14.0719% | 341 |
| Net charge-offs to loans | 0.0375% | 4,855 |
| Credit loss provision to net charge-offs | 212.7660% | 1,327 |
| Earnings coverage of net charge-offs (x) | 77.1489% | 530 |
| Efficiency ratio | 44.9062% | 6,920 |
| Assets per employee ($millions) | 10.5360% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,949 |
| Loan loss allowance to noncurrent loans | 546.1353% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 5,367 |
| Noncurrent loans to loans | 0.3245% | 5,905 |
| Net loans and leases to total assets | 83.4772% | 239 |
| Net loans and leases to deposits | 94.2590% | 745 |
| Net loans and leases to core deposits | 117.5228% | 356 |
| Total domestic deposits to total assets | 88.5615% | 1,778 |
| Equity capital to assets | 10.4023% | 3,811 |
| Core capital (leverage) ratio | 10.4319% | 2,878 |
| Tier 1 risk-based capital ratio | 11.9829% | 5,949 |
| Total risk-based capital ratio | 13.2382% | 5,917 |
| Memoranda: | ||
| Average total assets | $604,668,670 | 1,104 |
| Average earning assets | $582,826,670 | 1,032 |
| Average equity | $60,318,670 | 1,185 |
| Average total loans | $501,666,670 | 825 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 3,794 |
| Cost of funding earning assets | 0.5744% | 5,322 |
| Net interest margin | 3.9567% | 2,684 |
| Noninterest income to average assets | 0.4800% | 4,063 |
| Noninterest expense to average assets | 1.9310% | 6,587 |
| Loan and lease loss provision to assets | 0.1319% | 3,701 |
| Net operating income to assets | 1.3390% | 1,350 |
| Return on assets (ROA) | 1.3390% | 1,512 |
| Pretax return on assets | 2.2316% | 512 |
| Return on Equity (ROE) | 13.7131% | 1,248 |
| Retained earnings to average equity (ytd only) | 13.7131% | 598 |
| Net charge-offs to loans | 0.1231% | 3,369 |
| Credit loss provision to net charge-offs | 130.7190% | 1,862 |
| Earnings coverage of net charge-offs (x) | 23.4314% | 1,093 |
| Efficiency ratio | 44.9647% | 6,952 |
| Assets per employee ($millions) | 10.3589% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 3,018 |
| Loan loss allowance to noncurrent loans | 413.8646% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 5,253 |
| Noncurrent loans to loans | 0.4334% | 5,802 |
| Net loans and leases to total assets | 83.3175% | 203 |
| Net loans and leases to deposits | 93.5263% | 695 |
| Net loans and leases to core deposits | 115.8438% | 387 |
| Total domestic deposits to total assets | 89.0846% | 1,647 |
| Equity capital to assets | 10.2053% | 3,842 |
| Core capital (leverage) ratio | 10.1239% | 3,211 |
| Tier 1 risk-based capital ratio | 11.7758% | 6,105 |
| Total risk-based capital ratio | 13.0313% | 6,082 |
| Memoranda: | ||
| Average total assets | $606,727,000 | 1,099 |
| Average earning assets | $584,939,000 | 1,030 |
| Average equity | $59,242,500 | 1,198 |
| Average total loans | $497,316,000 | 833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 3,266 |
| Cost of funding earning assets | 0.7580% | 5,153 |
| Net interest margin | 4.1618% | 2,189 |
| Noninterest income to average assets | 0.5329% | 3,633 |
| Noninterest expense to average assets | 2.0096% | 6,657 |
| Loan and lease loss provision to assets | 0.2405% | 3,801 |
| Net operating income to assets | 1.3755% | 1,072 |
| Return on assets (ROA) | 1.3755% | 1,160 |
| Pretax return on assets | 2.2824% | 314 |
| Return on Equity (ROE) | 14.8494% | 778 |
| Retained earnings to average equity (ytd only) | 14.8494% | 141 |
| Net charge-offs to loans | 0.2164% | 4,434 |
| Credit loss provision to net charge-offs | 133.3947% | 2,273 |
| Earnings coverage of net charge-offs (x) | 13.9936% | 1,497 |
| Efficiency ratio | 44.3371% | 7,112 |
| Assets per employee ($millions) | 10.0483% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,834 |
| Loan loss allowance to noncurrent loans | 513.9735% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 5,593 |
| Noncurrent loans to loans | 0.3522% | 6,017 |
| Net loans and leases to total assets | 77.8101% | 730 |
| Net loans and leases to deposits | 86.4721% | 1,617 |
| Net loans and leases to core deposits | 107.5596% | 727 |
| Total domestic deposits to total assets | 89.9829% | 1,003 |
| Equity capital to assets | 9.3463% | 5,096 |
| Core capital (leverage) ratio | 9.4906% | 4,036 |
| Tier 1 risk-based capital ratio | 11.4567% | 6,191 |
| Total risk-based capital ratio | 12.7110% | 6,175 |
| Memoranda: | ||
| Average total assets | $602,915,400 | 1,086 |
| Average earning assets | $579,414,400 | 1,018 |
| Average equity | $55,847,400 | 1,217 |
| Average total loans | $502,270,600 | 831 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 2,934 |
| Cost of funding earning assets | 0.7908% | 5,208 |
| Net interest margin | 4.2399% | 1,949 |
| Noninterest income to average assets | 0.5484% | 3,524 |
| Noninterest expense to average assets | 2.0025% | 6,686 |
| Loan and lease loss provision to assets | 0.2787% | 3,291 |
| Net operating income to assets | 1.4020% | 1,143 |
| Return on assets (ROA) | 1.4020% | 1,227 |
| Pretax return on assets | 2.3395% | 341 |
| Return on Equity (ROE) | 15.1712% | 813 |
| Retained earnings to average equity (ytd only) | 15.1712% | 221 |
| Net charge-offs to loans | 0.1932% | 4,257 |
| Credit loss provision to net charge-offs | 170.9986% | 1,764 |
| Earnings coverage of net charge-offs (x) | 16.0616% | 1,420 |
| Efficiency ratio | 43.3377% | 7,167 |
| Assets per employee ($millions) | 10.0598% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,876 |
| Loan loss allowance to noncurrent loans | 472.4156% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 5,590 |
| Noncurrent loans to loans | 0.3848% | 6,087 |
| Net loans and leases to total assets | 78.7485% | 631 |
| Net loans and leases to deposits | 88.1282% | 1,423 |
| Net loans and leases to core deposits | 110.8871% | 638 |
| Total domestic deposits to total assets | 89.3567% | 1,219 |
| Equity capital to assets | 9.3597% | 5,291 |
| Core capital (leverage) ratio | 9.5207% | 4,119 |
| Tier 1 risk-based capital ratio | 10.8890% | 6,609 |
| Total risk-based capital ratio | 12.1445% | 6,588 |
| Memoranda: | ||
| Average total assets | $597,895,250 | 1,108 |
| Average earning assets | $574,280,500 | 1,037 |
| Average equity | $55,252,500 | 1,227 |
| Average total loans | $504,415,250 | 839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 2,369 |
| Cost of funding earning assets | 0.8277% | 5,201 |
| Net interest margin | 4.3453% | 1,524 |
| Noninterest income to average assets | 0.5732% | 3,308 |
| Noninterest expense to average assets | 2.0703% | 6,655 |
| Loan and lease loss provision to assets | 0.3055% | 2,968 |
| Net operating income to assets | 1.4241% | 1,038 |
| Return on assets (ROA) | 1.4241% | 1,099 |
| Pretax return on assets | 2.3723% | 300 |
| Return on Equity (ROE) | 15.4803% | 724 |
| Retained earnings to average equity (ytd only) | 15.4803% | 223 |
| Net charge-offs to loans | -0.0146% | 6,763 |
| Credit loss provision to net charge-offs | -2,432.4324% | 6,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6026% | 7,251 |
| Assets per employee ($millions) | 9.6044% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,792 |
| Loan loss allowance to noncurrent loans | 281.5867% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 5,095 |
| Noncurrent loans to loans | 0.6612% | 5,591 |
| Net loans and leases to total assets | 84.1927% | 233 |
| Net loans and leases to deposits | 94.2117% | 861 |
| Net loans and leases to core deposits | 119.8972% | 420 |
| Total domestic deposits to total assets | 89.3654% | 1,322 |
| Equity capital to assets | 9.4523% | 4,885 |
| Core capital (leverage) ratio | 9.4310% | 4,059 |
| Tier 1 risk-based capital ratio | 10.3352% | 6,852 |
| Total risk-based capital ratio | 11.5914% | 6,846 |
| Memoranda: | ||
| Average total assets | $589,291,670 | 1,131 |
| Average earning assets | $566,172,670 | 1,067 |
| Average equity | $54,211,000 | 1,240 |
| Average total loans | $505,802,670 | 851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 2,043 |
| Cost of funding earning assets | 0.8638% | 5,179 |
| Net interest margin | 4.3878% | 1,317 |
| Noninterest income to average assets | 0.5589% | 3,443 |
| Noninterest expense to average assets | 2.1078% | 6,620 |
| Loan and lease loss provision to assets | 0.2047% | 3,592 |
| Net operating income to assets | 1.4787% | 913 |
| Return on assets (ROA) | 1.4787% | 956 |
| Pretax return on assets | 2.4579% | 261 |
| Return on Equity (ROE) | 16.3014% | 644 |
| Retained earnings to average equity (ytd only) | 16.3014% | 309 |
| Net charge-offs to loans | -0.0286% | 6,697 |
| Credit loss provision to net charge-offs | -833.3333% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1854% | 7,277 |
| Assets per employee ($millions) | 9.8576% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 3,011 |
| Loan loss allowance to noncurrent loans | 1,656.3197% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 6,172 |
| Noncurrent loans to loans | 0.1087% | 6,778 |
| Net loans and leases to total assets | 82.1615% | 335 |
| Net loans and leases to deposits | 91.4211% | 1,071 |
| Net loans and leases to core deposits | 117.1930% | 494 |
| Total domestic deposits to total assets | 89.8714% | 1,232 |
| Equity capital to assets | 9.1735% | 4,915 |
| Core capital (leverage) ratio | 8.9317% | 4,724 |
| Tier 1 risk-based capital ratio | 9.9513% | 7,025 |
| Total risk-based capital ratio | 11.2060% | 7,019 |
| Memoranda: | ||
| Average total assets | $586,202,000 | 1,141 |
| Average earning assets | $562,648,500 | 1,086 |
| Average equity | $53,173,500 | 1,260 |
| Average total loans | $503,276,500 | 871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 2,384 |
| Cost of funding earning assets | 0.9546% | 5,915 |
| Net interest margin | 4.5191% | 1,186 |
| Noninterest income to average assets | 0.5770% | 3,606 |
| Noninterest expense to average assets | 2.2507% | 6,479 |
| Loan and lease loss provision to assets | 0.4744% | 3,291 |
| Net operating income to assets | 1.3321% | 1,101 |
| Return on assets (ROA) | 1.3321% | 1,173 |
| Pretax return on assets | 2.2094% | 312 |
| Return on Equity (ROE) | 14.6170% | 770 |
| Retained earnings to average equity (ytd only) | 14.6170% | 138 |
| Net charge-offs to loans | -0.0130% | 7,328 |
| Credit loss provision to net charge-offs | -4,072.5806% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6117% | 7,370 |
| Assets per employee ($millions) | 9.3701% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 3,307 |
| Loan loss allowance to noncurrent loans | 1,517.6991% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 6,211 |
| Noncurrent loans to loans | 0.1104% | 6,866 |
| Net loans and leases to total assets | 86.6029% | 155 |
| Net loans and leases to deposits | 96.0655% | 863 |
| Net loans and leases to core deposits | 123.9567% | 427 |
| Total domestic deposits to total assets | 90.1499% | 1,013 |
| Equity capital to assets | 8.9664% | 5,191 |
| Core capital (leverage) ratio | 8.9205% | 4,659 |
| Tier 1 risk-based capital ratio | 9.4642% | 7,144 |
| Total risk-based capital ratio | 10.7181% | 7,150 |
| Memoranda: | ||
| Average total assets | $532,223,400 | 1,258 |
| Average earning assets | $513,201,800 | 1,200 |
| Average equity | $48,505,000 | 1,375 |
| Average total loans | $476,855,200 | 943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5066% | 2,405 |
| Cost of funding earning assets | 0.9657% | 6,100 |
| Net interest margin | 4.5409% | 1,172 |
| Noninterest income to average assets | 0.5725% | 3,634 |
| Noninterest expense to average assets | 2.3126% | 6,284 |
| Loan and lease loss provision to assets | 0.4423% | 3,263 |
| Net operating income to assets | 1.3324% | 1,276 |
| Return on assets (ROA) | 1.3324% | 1,352 |
| Pretax return on assets | 2.2034% | 407 |
| Return on Equity (ROE) | 14.5544% | 930 |
| Retained earnings to average equity (ytd only) | 14.5544% | 233 |
| Net charge-offs to loans | -0.0083% | 7,253 |
| Credit loss provision to net charge-offs | -5,948.2759% | 7,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6415% | 7,359 |
| Assets per employee ($millions) | 9.1057% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 3,501 |
| Loan loss allowance to noncurrent loans | 748.0193% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 6,126 |
| Noncurrent loans to loans | 0.2147% | 6,750 |
| Net loans and leases to total assets | 84.0251% | 329 |
| Net loans and leases to deposits | 93.8081% | 1,223 |
| Net loans and leases to core deposits | 120.4623% | 594 |
| Total domestic deposits to total assets | 89.5712% | 1,085 |
| Equity capital to assets | 8.8915% | 5,712 |
| Core capital (leverage) ratio | 9.3177% | 4,183 |
| Tier 1 risk-based capital ratio | 9.6516% | 7,207 |
| Total risk-based capital ratio | 10.9046% | 7,199 |
| Memoranda: | ||
| Average total assets | $520,042,250 | 1,296 |
| Average earning assets | $502,270,500 | 1,239 |
| Average equity | $47,608,750 | 1,414 |
| Average total loans | $468,145,750 | 970 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5841% | 2,196 |
| Cost of funding earning assets | 0.9754% | 6,258 |
| Net interest margin | 4.6087% | 977 |
| Noninterest income to average assets | 0.5705% | 3,539 |
| Noninterest expense to average assets | 2.3286% | 6,278 |
| Loan and lease loss provision to assets | 0.4553% | 3,045 |
| Net operating income to assets | 1.3432% | 1,205 |
| Return on assets (ROA) | 1.3432% | 1,274 |
| Pretax return on assets | 2.2403% | 379 |
| Return on Equity (ROE) | 14.5168% | 942 |
| Retained earnings to average equity (ytd only) | 14.5168% | 277 |
| Net charge-offs to loans | -0.0117% | 7,219 |
| Credit loss provision to net charge-offs | -4,259.2593% | 7,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3478% | 7,423 |
| Assets per employee ($millions) | 8.5447% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,697 |
| Loan loss allowance to noncurrent loans | 610.3066% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 6,011 |
| Noncurrent loans to loans | 0.2529% | 6,727 |
| Net loans and leases to total assets | 87.7007% | 145 |
| Net loans and leases to deposits | 97.0731% | 950 |
| Net loans and leases to core deposits | 127.5458% | 473 |
| Total domestic deposits to total assets | 90.3451% | 748 |
| Equity capital to assets | 9.2845% | 5,027 |
| Core capital (leverage) ratio | 9.6373% | 3,629 |
| Tier 1 risk-based capital ratio | 9.5779% | 7,231 |
| Total risk-based capital ratio | 10.8301% | 7,231 |
| Memoranda: | ||
| Average total assets | $505,205,330 | 1,346 |
| Average earning assets | $488,211,330 | 1,276 |
| Average equity | $46,746,000 | 1,438 |
| Average total loans | $463,491,670 | 988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6414% | 1,984 |
| Cost of funding earning assets | 0.9810% | 6,459 |
| Net interest margin | 4.6604% | 848 |
| Noninterest income to average assets | 0.5849% | 3,372 |
| Noninterest expense to average assets | 2.3516% | 6,243 |
| Loan and lease loss provision to assets | 0.3218% | 3,485 |
| Net operating income to assets | 1.4843% | 915 |
| Return on assets (ROA) | 1.4843% | 986 |
| Pretax return on assets | 2.4176% | 284 |
| Return on Equity (ROE) | 16.0706% | 708 |
| Retained earnings to average equity (ytd only) | 16.0706% | 337 |
| Net charge-offs to loans | -0.0130% | 6,956 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1915% | 7,542 |
| Assets per employee ($millions) | 8.1656% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 4,523 |
| Loan loss allowance to noncurrent loans | 616.8593% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 6,033 |
| Noncurrent loans to loans | 0.2235% | 6,885 |
| Net loans and leases to total assets | 91.9372% | 36 |
| Net loans and leases to deposits | 102.2422% | 632 |
| Net loans and leases to core deposits | 128.7413% | 521 |
| Total domestic deposits to total assets | 89.9210% | 1,030 |
| Equity capital to assets | 9.4047% | 4,670 |
| Core capital (leverage) ratio | 9.5460% | 3,703 |
| Tier 1 risk-based capital ratio | 9.3048% | 7,392 |
| Total risk-based capital ratio | 10.5550% | 7,390 |
| Memoranda: | ||
| Average total assets | $497,195,000 | 1,397 |
| Average earning assets | $480,735,500 | 1,328 |
| Average equity | $45,922,500 | 1,466 |
| Average total loans | $463,095,500 | 1,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 2,971 |
| Cost of funding earning assets | 1.1967% | 6,671 |
| Net interest margin | 4.5311% | 1,112 |
| Noninterest income to average assets | 0.6680% | 3,173 |
| Noninterest expense to average assets | 2.7103% | 5,341 |
| Loan and lease loss provision to assets | 0.4067% | 4,375 |
| Net operating income to assets | 1.1484% | 1,390 |
| Return on assets (ROA) | 1.1484% | 1,415 |
| Pretax return on assets | 1.8821% | 531 |
| Return on Equity (ROE) | 11.9939% | 1,164 |
| Retained earnings to average equity (ytd only) | 11.9939% | 209 |
| Net charge-offs to loans | 0.0542% | 6,557 |
| Credit loss provision to net charge-offs | 829.4931% | 351 |
| Earnings coverage of net charge-offs (x) | 46.6774% | 548 |
| Efficiency ratio | 54.2151% | 7,210 |
| Assets per employee ($millions) | 8.1358% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,790 |
| Loan loss allowance to noncurrent loans | 568.1214% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 5,967 |
| Noncurrent loans to loans | 0.2282% | 6,860 |
| Net loans and leases to total assets | 91.8537% | 39 |
| Net loans and leases to deposits | 101.6789% | 777 |
| Net loans and leases to core deposits | 126.4275% | 1,480 |
| Total domestic deposits to total assets | 90.3370% | 817 |
| Equity capital to assets | 9.0674% | 5,038 |
| Core capital (leverage) ratio | 8.7547% | 4,828 |
| Tier 1 risk-based capital ratio | 9.1184% | 7,414 |
| Total risk-based capital ratio | 10.3355% | 7,453 |
| Memoranda: | ||
| Average total assets | $442,538,600 | 1,574 |
| Average earning assets | $423,007,400 | 1,494 |
| Average equity | $42,371,400 | 1,577 |
| Average total loans | $400,151,200 | 1,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 3,397 |
| Cost of funding earning assets | 1.1997% | 6,887 |
| Net interest margin | 4.4892% | 1,221 |
| Noninterest income to average assets | 0.7119% | 2,937 |
| Noninterest expense to average assets | 2.7545% | 5,086 |
| Loan and lease loss provision to assets | 0.3107% | 4,487 |
| Net operating income to assets | 1.1736% | 1,532 |
| Return on assets (ROA) | 1.1736% | 1,587 |
| Pretax return on assets | 1.9230% | 631 |
| Return on Equity (ROE) | 12.0723% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.0723% | 339 |
| Net charge-offs to loans | 0.1106% | 5,573 |
| Credit loss provision to net charge-offs | 313.4796% | 1,314 |
| Earnings coverage of net charge-offs (x) | 22.5362% | 1,153 |
| Efficiency ratio | 55.2199% | 7,097 |
| Assets per employee ($millions) | 8.2581% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,308 |
| Loan loss allowance to noncurrent loans | 412.8247% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 5,794 |
| Noncurrent loans to loans | 0.2829% | 6,804 |
| Net loans and leases to total assets | 85.4529% | 393 |
| Net loans and leases to deposits | 94.8919% | 1,733 |
| Net loans and leases to core deposits | 123.9102% | 1,906 |
| Total domestic deposits to total assets | 90.0529% | 752 |
| Equity capital to assets | 8.6740% | 5,998 |
| Core capital (leverage) ratio | 9.3756% | 4,079 |
| Tier 1 risk-based capital ratio | 9.3296% | 7,477 |
| Total risk-based capital ratio | 10.4189% | 7,553 |
| Memoranda: | ||
| Average total assets | $429,101,750 | 1,627 |
| Average earning assets | $408,761,750 | 1,564 |
| Average equity | $41,714,250 | 1,620 |
| Average total loans | $384,727,750 | 1,268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 2,883 |
| Cost of funding earning assets | 1.2011% | 7,099 |
| Net interest margin | 4.6333% | 902 |
| Noninterest income to average assets | 0.7832% | 2,495 |
| Noninterest expense to average assets | 2.9979% | 4,091 |
| Loan and lease loss provision to assets | 0.3216% | 4,013 |
| Net operating income to assets | 1.1474% | 1,620 |
| Return on assets (ROA) | 1.1474% | 1,706 |
| Pretax return on assets | 1.8594% | 756 |
| Return on Equity (ROE) | 11.2973% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.2973% | 520 |
| Net charge-offs to loans | 0.0957% | 5,217 |
| Credit loss provision to net charge-offs | 369.3182% | 1,260 |
| Earnings coverage of net charge-offs (x) | 25.0455% | 1,134 |
| Efficiency ratio | 57.8867% | 6,879 |
| Assets per employee ($millions) | 6.7228% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 4,433 |
| Loan loss allowance to noncurrent loans | 345.7831% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 5,240 |
| Noncurrent loans to loans | 0.3685% | 6,590 |
| Net loans and leases to total assets | 92.1761% | 51 |
| Net loans and leases to deposits | 103.9172% | 920 |
| Net loans and leases to core deposits | 144.2719% | 828 |
| Total domestic deposits to total assets | 88.7015% | 1,433 |
| Equity capital to assets | 10.2995% | 3,620 |
| Core capital (leverage) ratio | 9.9249% | 3,375 |
| Tier 1 risk-based capital ratio | 10.0758% | 6,847 |
| Total risk-based capital ratio | 11.2435% | 6,869 |
| Memoranda: | ||
| Average total assets | $404,221,000 | 1,737 |
| Average earning assets | $383,484,330 | 1,688 |
| Average equity | $41,054,000 | 1,653 |
| Average total loans | $367,787,000 | 1,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 4,634 |
| Cost of funding earning assets | 1.0813% | 7,545 |
| Net interest margin | 4.4701% | 1,192 |
| Noninterest income to average assets | 0.8214% | 2,223 |
| Noninterest expense to average assets | 2.8867% | 4,201 |
| Loan and lease loss provision to assets | 0.3987% | 2,933 |
| Net operating income to assets | 1.0855% | 2,012 |
| Return on assets (ROA) | 1.0855% | 2,141 |
| Pretax return on assets | 1.7763% | 1,026 |
| Return on Equity (ROE) | 10.7655% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.7655% | 1,015 |
| Net charge-offs to loans | 0.2432% | 3,184 |
| Credit loss provision to net charge-offs | 182.6484% | 2,381 |
| Earnings coverage of net charge-offs (x) | 9.9635% | 1,996 |
| Efficiency ratio | 57.0303% | 6,817 |
| Assets per employee ($millions) | 6.7676% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,292 |
| Loan loss allowance to noncurrent loans | 501.7505% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 5,323 |
| Noncurrent loans to loans | 0.2527% | 6,813 |
| Net loans and leases to total assets | 85.1163% | 534 |
| Net loans and leases to deposits | 98.7756% | 1,561 |
| Net loans and leases to core deposits | 128.2811% | 1,762 |
| Total domestic deposits to total assets | 86.1713% | 2,626 |
| Equity capital to assets | 9.7731% | 4,274 |
| Core capital (leverage) ratio | 10.3480% | 3,070 |
| Tier 1 risk-based capital ratio | 10.2336% | 6,675 |
| Total risk-based capital ratio | 11.3819% | 6,689 |
| Memoranda: | ||
| Average total assets | $401,287,000 | 1,758 |
| Average earning assets | $380,658,500 | 1,705 |
| Average equity | $40,462,500 | 1,687 |
| Average total loans | $360,239,000 | 1,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6254% | 6,999 |
| Cost of funding earning assets | 1.2386% | 7,902 |
| Net interest margin | 4.3868% | 1,729 |
| Noninterest income to average assets | 0.8854% | 2,028 |
| Noninterest expense to average assets | 3.0542% | 3,882 |
| Loan and lease loss provision to assets | 0.4762% | 2,920 |
| Net operating income to assets | 0.8815% | 3,086 |
| Return on assets (ROA) | 0.8815% | 2,927 |
| Pretax return on assets | 1.4512% | 1,821 |
| Return on Equity (ROE) | 8.0439% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.9971% | 2,030 |
| Net charge-offs to loans | 0.6827% | 1,801 |
| Credit loss provision to net charge-offs | 83.7851% | 5,812 |
| Earnings coverage of net charge-offs (x) | 3.3913% | 4,388 |
| Efficiency ratio | 61.3101% | 6,106 |
| Assets per employee ($millions) | 6.0791% | 1,100 |
| Cash dividends to net income (ytd only)* | 37.8773% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,332 |
| Loan loss allowance to noncurrent loans | 361.3618% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 4,639 |
| Noncurrent loans to loans | 0.3398% | 6,356 |
| Net loans and leases to total assets | 92.5229% | 66 |
| Net loans and leases to deposits | 104.2777% | 1,316 |
| Net loans and leases to core deposits | 121.1228% | 2,594 |
| Total domestic deposits to total assets | 88.7274% | 1,135 |
| Equity capital to assets | 10.4229% | 3,586 |
| Core capital (leverage) ratio | 10.3529% | 3,116 |
| Tier 1 risk-based capital ratio | 10.2574% | 6,460 |
| Total risk-based capital ratio | 11.3932% | 6,445 |
| Memoranda: | ||
| Average total assets | $357,017,400 | 1,874 |
| Average earning assets | $333,362,800 | 1,838 |
| Average equity | $39,123,000 | 1,724 |
| Average total loans | $297,190,000 | 1,625 |