Home > Chain Bridge Bank > Performance and Condition Ratios
Chain Bridge 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 | 2.9544% | 4,531 |
| Cost of funding earning assets | 0.3413% | 4,347 |
| Net interest margin | 2.6131% | 3,945 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.7389% | 4,084 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8606% | 2,675 |
| Return on assets (ROA) | 0.8336% | 2,744 |
| Pretax return on assets | 1.0306% | 2,584 |
| Return on Equity (ROE) | 11.5800% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.9781% | 797 |
| 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 | 60.7830% | 2,993 |
| Assets per employee ($millions) | 16.9747% | 149 |
| Cash dividends to net income (ytd only)* | 5.2055% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,312 |
| 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 | 24.8800% | 4,369 |
| Net loans and leases to deposits | 26.9610% | 4,387 |
| Net loans and leases to core deposits | 27.1905% | 4,422 |
| Total domestic deposits to total assets | 92.2700% | 269 |
| Equity capital to assets | 7.3258% | 3,805 |
| Core capital (leverage) ratio | 9.2147% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4402% | 357 |
| Memoranda: | ||
| Average total assets | $1,106,202,600 | 910 |
| Average earning assets | $1,075,956,200 | 864 |
| Average equity | $79,622,200 | 1,136 |
| Average total loans | $313,612,600 | 1,746 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9292% | 4,544 |
| Cost of funding earning assets | 0.3591% | 4,305 |
| Net interest margin | 2.5701% | 4,065 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.7636% | 4,039 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7524% | 3,160 |
| Return on assets (ROA) | 0.7202% | 3,244 |
| Pretax return on assets | 0.8727% | 3,168 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.6825% | 1,499 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.8002% | 2,521 |
| Assets per employee ($millions) | 15.9877% | 166 |
| Cash dividends to net income (ytd only)* | 3.7665% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,390 |
| 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 | 26.6300% | 4,368 |
| Net loans and leases to deposits | 28.7342% | 4,394 |
| Net loans and leases to core deposits | 28.9944% | 4,394 |
| Total domestic deposits to total assets | 92.6700% | 357 |
| Equity capital to assets | 6.9671% | 3,624 |
| Core capital (leverage) ratio | 9.2320% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1470% | 427 |
| Memoranda: | ||
| Average total assets | $1,081,400,250 | 923 |
| Average earning assets | $1,050,637,000 | 883 |
| Average equity | $77,402,500 | 1,153 |
| Average total loans | $315,979,750 | 1,738 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9081% | 4,569 |
| Cost of funding earning assets | 0.3833% | 4,195 |
| Net interest margin | 2.5248% | 4,184 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.7888% | 4,019 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.5893% | 3,603 |
| Return on assets (ROA) | 0.5462% | 3,716 |
| Pretax return on assets | 0.6523% | 3,697 |
| Return on Equity (ROE) | 7.5600% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.2446% | 2,210 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.0814% | 1,977 |
| Assets per employee ($millions) | 14.5965% | 211 |
| Cash dividends to net income (ytd only)* | 4.1522% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,533 |
| 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 | 28.3000% | 4,354 |
| Net loans and leases to deposits | 30.5715% | 4,392 |
| Net loans and leases to core deposits | 30.8516% | 4,396 |
| Total domestic deposits to total assets | 92.5800% | 312 |
| Equity capital to assets | 7.1326% | 3,720 |
| Core capital (leverage) ratio | 9.1019% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9986% | 484 |
| Memoranda: | ||
| Average total assets | $1,058,162,667 | 923 |
| Average earning assets | $1,027,408,667 | 888 |
| Average equity | $76,470,333 | 1,158 |
| Average total loans | $317,663,333 | 1,715 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9086% | 4,578 |
| Cost of funding earning assets | 0.3161% | 4,150 |
| Net interest margin | 2.5925% | 4,215 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.7883% | 4,053 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.4738% | 3,961 |
| Return on assets (ROA) | 0.4493% | 3,957 |
| Pretax return on assets | 0.5285% | 3,955 |
| Return on Equity (ROE) | 6.1700% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.0161% | 2,757 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.6415% | 2,018 |
| Assets per employee ($millions) | 14.5704% | 228 |
| Cash dividends to net income (ytd only)* | 2.5685% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,625 |
| 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 | 29.9400% | 4,370 |
| Net loans and leases to deposits | 32.4485% | 4,402 |
| Net loans and leases to core deposits | 34.1040% | 4,394 |
| Total domestic deposits to total assets | 92.2700% | 452 |
| Equity capital to assets | 7.3972% | 3,620 |
| Core capital (leverage) ratio | 8.9841% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1651% | 559 |
| Memoranda: | ||
| Average total assets | $1,039,875,000 | 955 |
| Average earning assets | $1,009,817,500 | 911 |
| Average equity | $75,664,000 | 1,175 |
| Average total loans | $319,370,500 | 1,725 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2079% | 4,578 |
| Cost of funding earning assets | 0.0872% | 4,443 |
| Net interest margin | 2.1207% | 4,509 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.3991% | 4,510 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7006% | 3,619 |
| Return on assets (ROA) | 0.6970% | 3,577 |
| Pretax return on assets | 0.8453% | 3,498 |
| Return on Equity (ROE) | 12.5700% | 1,943 |
| Retained earnings to average equity (ytd only) | 12.4107% | 604 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4729% | 2,988 |
| Assets per employee ($millions) | 14.7241% | 214 |
| Cash dividends to net income (ytd only)* | 1.3006% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 30.6300% | 4,376 |
| Net loans and leases to deposits | 33.1263% | 4,411 |
| Net loans and leases to core deposits | 33.3142% | 4,432 |
| Total domestic deposits to total assets | 92.4700% | 532 |
| Equity capital to assets | 7.1531% | 3,582 |
| Core capital (leverage) ratio | 8.0771% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4629% | 586 |
| Memoranda: | ||
| Average total assets | $1,268,667,400 | 807 |
| Average earning assets | $1,240,309,200 | 769 |
| Average equity | $70,318,200 | 1,244 |
| Average total loans | $293,668,800 | 1,750 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9996% | 4,608 |
| Cost of funding earning assets | 0.0528% | 4,568 |
| Net interest margin | 1.9467% | 4,568 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.3250% | 4,568 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6136% | 3,804 |
| Return on assets (ROA) | 0.6085% | 3,765 |
| Pretax return on assets | 0.7360% | 3,721 |
| Return on Equity (ROE) | 11.6400% | 2,155 |
| Retained earnings to average equity (ytd only) | 11.4144% | 939 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.5071% | 2,763 |
| Assets per employee ($millions) | 19.1943% | 113 |
| Cash dividends to net income (ytd only)* | 1.8971% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,604 |
| 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 | 21.9300% | 4,569 |
| Net loans and leases to deposits | 23.1905% | 4,591 |
| Net loans and leases to core deposits | 23.2772% | 4,584 |
| Total domestic deposits to total assets | 94.5800% | 273 |
| Equity capital to assets | 5.1565% | 4,249 |
| Core capital (leverage) ratio | 6.3839% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4186% | 610 |
| Memoranda: | ||
| Average total assets | $1,328,163,250 | 780 |
| Average earning assets | $1,300,323,500 | 739 |
| Average equity | $69,466,250 | 1,270 |
| Average total loans | $287,037,750 | 1,778 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7248% | 4,675 |
| Cost of funding earning assets | 0.0256% | 4,703 |
| Net interest margin | 1.6992% | 4,654 |
| Noninterest income to average assets | 0.1500% | 4,260 |
| Noninterest expense to average assets | 1.3212% | 4,584 |
| Loan and lease loss provision to assets | 0.0240% | 2,167 |
| Net operating income to assets | 0.3935% | 4,121 |
| Return on assets (ROA) | 0.3882% | 4,079 |
| Pretax return on assets | 0.4627% | 4,057 |
| Return on Equity (ROE) | 7.3870% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.0562% | 1,972 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8212% | 1,650 |
| Assets per employee ($millions) | 19.5607% | 107 |
| Cash dividends to net income (ytd only)* | 4.4782% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,057 |
| 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 | 20.4337% | 4,647 |
| Net loans and leases to deposits | 21.5792% | 4,665 |
| Net loans and leases to core deposits | 21.6570% | 4,665 |
| Total domestic deposits to total assets | 94.6919% | 180 |
| Equity capital to assets | 5.1212% | 4,452 |
| Core capital (leverage) ratio | 6.1411% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7699% | 556 |
| Memoranda: | ||
| Average total assets | $1,323,018,000 | 776 |
| Average earning assets | $1,295,893,333 | 746 |
| Average equity | $69,527,333 | 1,298 |
| Average total loans | $283,088,667 | 1,787 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5888% | 4,707 |
| Cost of funding earning assets | 0.0130% | 4,753 |
| Net interest margin | 1.5758% | 4,681 |
| Noninterest income to average assets | 0.1181% | 4,412 |
| Noninterest expense to average assets | 1.3459% | 4,588 |
| Loan and lease loss provision to assets | -0.0127% | 4,426 |
| Net operating income to assets | 0.2833% | 4,177 |
| Return on assets (ROA) | 0.2769% | 4,154 |
| Pretax return on assets | 0.3212% | 4,158 |
| Return on Equity (ROE) | 5.1972% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.8015% | 2,663 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9888% | 1,073 |
| Assets per employee ($millions) | 21.9692% | 84 |
| Cash dividends to net income (ytd only)* | 7.6148% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,351 |
| 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 | 20.1251% | 4,669 |
| Net loans and leases to deposits | 21.1388% | 4,691 |
| Net loans and leases to core deposits | 21.2241% | 4,692 |
| Total domestic deposits to total assets | 95.2046% | 31 |
| Equity capital to assets | 4.6224% | 4,751 |
| Core capital (leverage) ratio | 5.7579% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9807% | 757 |
| Memoranda: | ||
| Average total assets | $1,290,121,500 | 808 |
| Average earning assets | $1,263,843,000 | 765 |
| Average equity | $68,729,000 | 1,348 |
| Average total loans | $280,830,500 | 1,788 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0593% | 4,668 |
| Cost of funding earning assets | 0.0162% | 4,781 |
| Net interest margin | 2.0431% | 4,578 |
| Noninterest income to average assets | 0.3080% | 3,561 |
| Noninterest expense to average assets | 1.5032% | 4,545 |
| Loan and lease loss provision to assets | -0.0514% | 4,359 |
| Net operating income to assets | 0.7016% | 3,625 |
| Return on assets (ROA) | 0.7015% | 3,679 |
| Pretax return on assets | 0.8483% | 3,630 |
| Return on Equity (ROE) | 9.6833% | 2,643 |
| Retained earnings to average equity (ytd only) | 9.5561% | 1,031 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3530% | 2,354 |
| Assets per employee ($millions) | 19.0337% | 121 |
| Cash dividends to net income (ytd only)* | 1.3143% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,414 |
| 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 | 23.0069% | 4,671 |
| Net loans and leases to deposits | 24.5653% | 4,706 |
| Net loans and leases to core deposits | 24.6840% | 4,710 |
| Total domestic deposits to total assets | 93.6561% | 20 |
| Equity capital to assets | 6.1156% | 4,811 |
| Core capital (leverage) ratio | 6.4215% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3345% | 714 |
| Memoranda: | ||
| Average total assets | $1,030,349,800 | 941 |
| Average earning assets | $1,004,671,200 | 905 |
| Average equity | $74,643,600 | 1,278 |
| Average total loans | $316,935,400 | 1,636 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1649% | 4,723 |
| Cost of funding earning assets | 0.0175% | 4,863 |
| Net interest margin | 2.1474% | 4,599 |
| Noninterest income to average assets | 0.1540% | 4,427 |
| Noninterest expense to average assets | 1.3231% | 4,735 |
| Loan and lease loss provision to assets | -0.0765% | 4,542 |
| Net operating income to assets | 0.8218% | 3,466 |
| Return on assets (ROA) | 0.8222% | 3,537 |
| Pretax return on assets | 0.9988% | 3,458 |
| Return on Equity (ROE) | 10.8263% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.7103% | 1,119 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9347% | 3,131 |
| Assets per employee ($millions) | 18.0691% | 130 |
| Cash dividends to net income (ytd only)* | 1.0719% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,732 |
| 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 | 25.9890% | 4,701 |
| Net loans and leases to deposits | 28.0318% | 4,738 |
| Net loans and leases to core deposits | 28.1906% | 4,756 |
| Total domestic deposits to total assets | 92.7124% | 53 |
| Equity capital to assets | 6.9459% | 4,816 |
| Core capital (leverage) ratio | 6.9616% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7191% | 721 |
| Memoranda: | ||
| Average total assets | $983,398,750 | 984 |
| Average earning assets | $957,615,000 | 950 |
| Average equity | $74,680,250 | 1,300 |
| Average total loans | $325,189,250 | 1,638 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2476% | 4,744 |
| Cost of funding earning assets | 0.0191% | 4,899 |
| Net interest margin | 2.2284% | 4,578 |
| Noninterest income to average assets | 0.1632% | 4,383 |
| Noninterest expense to average assets | 2.3192% | 2,706 |
| Loan and lease loss provision to assets | -0.0797% | 4,581 |
| Net operating income to assets | 0.0947% | 4,720 |
| Return on assets (ROA) | 0.0956% | 4,732 |
| Pretax return on assets | 0.0956% | 4,738 |
| Return on Equity (ROE) | 1.2180% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.1100% | 4,319 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3554% | 174 |
| Assets per employee ($millions) | 15.9811% | 169 |
| Cash dividends to net income (ytd only)* | 8.8692% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,855 |
| 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 | 31.3530% | 4,610 |
| Net loans and leases to deposits | 33.9219% | 4,682 |
| Net loans and leases to core deposits | 34.1560% | 4,706 |
| Total domestic deposits to total assets | 92.4271% | 70 |
| Equity capital to assets | 7.3091% | 4,783 |
| Core capital (leverage) ratio | 6.7950% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6194% | 870 |
| Memoranda: | ||
| Average total assets | $943,792,333 | 1,011 |
| Average earning assets | $919,475,000 | 977 |
| Average equity | $74,054,000 | 1,300 |
| Average total loans | $336,892,000 | 1,607 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2623% | 4,771 |
| Cost of funding earning assets | 0.0205% | 4,929 |
| Net interest margin | 2.2418% | 4,579 |
| Noninterest income to average assets | 0.2212% | 4,055 |
| Noninterest expense to average assets | 2.3041% | 2,771 |
| Loan and lease loss provision to assets | 0.0065% | 2,684 |
| Net operating income to assets | 0.0974% | 4,714 |
| Return on assets (ROA) | 0.0952% | 4,728 |
| Pretax return on assets | 0.0952% | 4,734 |
| Return on Equity (ROE) | 1.1700% | 4,697 |
| Retained earnings to average equity (ytd only) | 1.1700% | 4,191 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6859% | 255 |
| Assets per employee ($millions) | 15.4684% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,919 |
| 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 | 36.0304% | 4,498 |
| Net loans and leases to deposits | 38.9767% | 4,599 |
| Net loans and leases to core deposits | 39.3940% | 4,638 |
| Total domestic deposits to total assets | 92.4407% | 79 |
| Equity capital to assets | 7.3116% | 4,772 |
| Core capital (leverage) ratio | 7.5463% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0277% | 679 |
| Memoranda: | ||
| Average total assets | $920,274,000 | 1,019 |
| Average earning assets | $897,685,000 | 980 |
| Average equity | $74,870,500 | 1,277 |
| Average total loans | $348,103,500 | 1,568 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4916% | 4,844 |
| Cost of funding earning assets | 0.0895% | 4,885 |
| Net interest margin | 2.4020% | 4,653 |
| Noninterest income to average assets | 0.1958% | 4,302 |
| Noninterest expense to average assets | 1.6926% | 4,628 |
| Loan and lease loss provision to assets | 0.0495% | 3,772 |
| Net operating income to assets | 0.6529% | 3,581 |
| Return on assets (ROA) | 0.6587% | 3,687 |
| Pretax return on assets | 0.7932% | 3,639 |
| Return on Equity (ROE) | 8.4626% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.4626% | 914 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9467% | 2,374 |
| Assets per employee ($millions) | 14.6918% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,889 |
| 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 | 38.8274% | 4,485 |
| Net loans and leases to deposits | 42.8992% | 4,557 |
| Net loans and leases to core deposits | 43.4380% | 4,620 |
| Total domestic deposits to total assets | 90.5084% | 377 |
| Equity capital to assets | 9.0323% | 4,022 |
| Core capital (leverage) ratio | 7.2999% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0063% | 501 |
| Memoranda: | ||
| Average total assets | $955,753,400 | 915 |
| Average earning assets | $928,086,200 | 881 |
| Average equity | $74,398,200 | 1,229 |
| Average total loans | $316,299,400 | 1,626 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5493% | 4,899 |
| Cost of funding earning assets | 0.1093% | 4,908 |
| Net interest margin | 2.4400% | 4,697 |
| Noninterest income to average assets | 0.1691% | 4,457 |
| Noninterest expense to average assets | 1.4876% | 4,815 |
| Loan and lease loss provision to assets | 0.0764% | 3,364 |
| Net operating income to assets | 0.7981% | 3,099 |
| Return on assets (ROA) | 0.8059% | 3,186 |
| Pretax return on assets | 0.9817% | 3,127 |
| Return on Equity (ROE) | 10.7422% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.7422% | 622 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6544% | 3,575 |
| Assets per employee ($millions) | 17.8539% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,664 |
| 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 | 32.3162% | 4,782 |
| Net loans and leases to deposits | 35.0172% | 4,842 |
| Net loans and leases to core deposits | 35.4167% | 4,856 |
| Total domestic deposits to total assets | 92.2867% | 38 |
| Equity capital to assets | 7.2580% | 4,914 |
| Core capital (leverage) ratio | 6.4779% | 5,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1411% | 507 |
| Memoranda: | ||
| Average total assets | $974,315,000 | 883 |
| Average earning assets | $945,235,750 | 847 |
| Average equity | $73,092,750 | 1,236 |
| Average total loans | $308,760,250 | 1,649 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6854% | 4,942 |
| Cost of funding earning assets | 0.1509% | 4,876 |
| Net interest margin | 2.5344% | 4,711 |
| Noninterest income to average assets | 0.1615% | 4,484 |
| Noninterest expense to average assets | 1.4914% | 4,855 |
| Loan and lease loss provision to assets | 0.1075% | 2,933 |
| Net operating income to assets | 0.8425% | 2,889 |
| Return on assets (ROA) | 0.8544% | 2,971 |
| Pretax return on assets | 1.0457% | 2,887 |
| Return on Equity (ROE) | 11.2476% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.2476% | 573 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7065% | 3,858 |
| Assets per employee ($millions) | 17.1809% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,450 |
| 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 | 32.8028% | 4,808 |
| Net loans and leases to deposits | 35.6061% | 4,871 |
| Net loans and leases to core deposits | 36.1479% | 4,880 |
| Total domestic deposits to total assets | 92.1271% | 45 |
| Equity capital to assets | 7.3567% | 4,913 |
| Core capital (leverage) ratio | 6.6381% | 5,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9750% | 507 |
| Memoranda: | ||
| Average total assets | $936,058,333 | 906 |
| Average earning assets | $911,687,333 | 868 |
| Average equity | $71,108,333 | 1,250 |
| Average total loans | $292,938,333 | 1,696 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8238% | 4,997 |
| Cost of funding earning assets | 0.2626% | 4,744 |
| Net interest margin | 2.5612% | 4,782 |
| Noninterest income to average assets | 0.1845% | 4,442 |
| Noninterest expense to average assets | 1.5390% | 4,892 |
| Loan and lease loss provision to assets | -0.0109% | 5,043 |
| Net operating income to assets | 0.9332% | 2,409 |
| Return on assets (ROA) | 0.9722% | 2,380 |
| Pretax return on assets | 1.2004% | 2,197 |
| Return on Equity (ROE) | 12.5617% | 970 |
| Retained earnings to average equity (ytd only) | 12.5617% | 365 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4190% | 4,069 |
| Assets per employee ($millions) | 17.2287% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,730 |
| 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 | 28.1160% | 4,934 |
| Net loans and leases to deposits | 30.6491% | 4,967 |
| Net loans and leases to core deposits | 31.2925% | 4,975 |
| Total domestic deposits to total assets | 91.7350% | 52 |
| Equity capital to assets | 7.7536% | 5,010 |
| Core capital (leverage) ratio | 7.0491% | 5,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3203% | 611 |
| Memoranda: | ||
| Average total assets | $880,070,000 | 932 |
| Average earning assets | $857,555,500 | 881 |
| Average equity | $68,112,000 | 1,293 |
| Average total loans | $265,405,000 | 1,780 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 5,015 |
| Cost of funding earning assets | 0.5054% | 4,070 |
| Net interest margin | 2.6414% | 4,873 |
| Noninterest income to average assets | 0.1734% | 4,621 |
| Noninterest expense to average assets | 1.8177% | 4,755 |
| Loan and lease loss provision to assets | 0.0110% | 3,795 |
| Net operating income to assets | 0.7393% | 3,734 |
| Return on assets (ROA) | 0.7373% | 3,814 |
| Pretax return on assets | 0.8975% | 3,750 |
| Return on Equity (ROE) | 9.0248% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.1178% | 943 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6178% | 2,676 |
| Assets per employee ($millions) | 15.0871% | 120 |
| Cash dividends to net income (ytd only)* | 10.0503% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,521 |
| 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 | 31.5529% | 4,945 |
| Net loans and leases to deposits | 34.3393% | 4,994 |
| Net loans and leases to core deposits | 35.3061% | 5,001 |
| Total domestic deposits to total assets | 91.8857% | 44 |
| Equity capital to assets | 7.7234% | 5,092 |
| Core capital (leverage) ratio | 8.0228% | 5,030 |
| Tier 1 risk-based capital ratio | 21.5991% | 1,070 |
| Total risk-based capital ratio | 22.8496% | 1,045 |
| Memoranda: | ||
| Average total assets | $674,751,000 | 1,113 |
| Average earning assets | $652,709,800 | 1,058 |
| Average equity | $55,126,000 | 1,469 |
| Average total loans | $261,866,200 | 1,765 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,080 |
| Cost of funding earning assets | 0.5668% | 3,834 |
| Net interest margin | 2.6938% | 4,943 |
| Noninterest income to average assets | 0.1589% | 4,755 |
| Noninterest expense to average assets | 1.8876% | 4,714 |
| Loan and lease loss provision to assets | 0.0128% | 3,647 |
| Net operating income to assets | 0.7085% | 3,983 |
| Return on assets (ROA) | 0.7052% | 4,063 |
| Pretax return on assets | 0.8539% | 3,994 |
| Return on Equity (ROE) | 8.4810% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.2204% | 1,747 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4351% | 2,353 |
| Assets per employee ($millions) | 12.9330% | 171 |
| Cash dividends to net income (ytd only)* | 14.8633% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,599 |
| 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 | 36.8057% | 4,911 |
| Net loans and leases to deposits | 40.1818% | 4,990 |
| Net loans and leases to core deposits | 41.4984% | 5,000 |
| Total domestic deposits to total assets | 91.5979% | 55 |
| Equity capital to assets | 7.9924% | 5,130 |
| Core capital (leverage) ratio | 8.0101% | 5,118 |
| Tier 1 risk-based capital ratio | 18.7309% | 1,629 |
| Total risk-based capital ratio | 19.9812% | 1,598 |
| Memoranda: | ||
| Average total assets | $635,991,250 | 1,173 |
| Average earning assets | $613,691,250 | 1,120 |
| Average equity | $52,885,500 | 1,524 |
| Average total loans | $260,947,750 | 1,783 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 5,121 |
| Cost of funding earning assets | 0.6121% | 3,589 |
| Net interest margin | 2.7005% | 5,000 |
| Noninterest income to average assets | 0.1090% | 5,003 |
| Noninterest expense to average assets | 1.9729% | 4,652 |
| Loan and lease loss provision to assets | -0.0020% | 5,091 |
| Net operating income to assets | 0.6183% | 4,257 |
| Return on assets (ROA) | 0.6194% | 4,296 |
| Pretax return on assets | 0.7409% | 4,238 |
| Return on Equity (ROE) | 7.3385% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.3992% | 2,579 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7866% | 1,806 |
| Assets per employee ($millions) | 12.1938% | 196 |
| Cash dividends to net income (ytd only)* | 26.4271% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,623 |
| 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 | 38.2614% | 4,904 |
| Net loans and leases to deposits | 41.6862% | 5,003 |
| Net loans and leases to core deposits | 43.0455% | 5,018 |
| Total domestic deposits to total assets | 91.7845% | 49 |
| Equity capital to assets | 7.8994% | 5,198 |
| Core capital (leverage) ratio | 8.0359% | 5,156 |
| Tier 1 risk-based capital ratio | 17.6117% | 1,905 |
| Total risk-based capital ratio | 18.8570% | 1,862 |
| Memoranda: | ||
| Average total assets | $610,884,000 | 1,209 |
| Average earning assets | $588,473,670 | 1,168 |
| Average equity | $51,563,670 | 1,549 |
| Average total loans | $259,427,670 | 1,799 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 5,153 |
| Cost of funding earning assets | 0.6371% | 3,368 |
| Net interest margin | 2.7105% | 5,055 |
| Noninterest income to average assets | 0.0888% | 5,118 |
| Noninterest expense to average assets | 2.0461% | 4,566 |
| Loan and lease loss provision to assets | -0.0269% | 5,234 |
| Net operating income to assets | 0.5704% | 4,335 |
| Return on assets (ROA) | 0.5687% | 4,368 |
| Pretax return on assets | 0.6713% | 4,370 |
| Return on Equity (ROE) | 6.4967% | 3,845 |
| Retained earnings to average equity (ytd only) | 2.5641% | 3,902 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9908% | 1,497 |
| Assets per employee ($millions) | 12.0570% | 206 |
| Cash dividends to net income (ytd only)* | 60.5327% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,684 |
| 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 | 41.3426% | 4,852 |
| Net loans and leases to deposits | 45.1200% | 4,952 |
| Net loans and leases to core deposits | 47.1566% | 4,954 |
| Total domestic deposits to total assets | 91.6282% | 85 |
| Equity capital to assets | 8.0012% | 5,182 |
| Core capital (leverage) ratio | 8.8397% | 4,763 |
| Tier 1 risk-based capital ratio | 17.3880% | 1,978 |
| Total risk-based capital ratio | 18.6322% | 1,931 |
| Memoranda: | ||
| Average total assets | $580,997,500 | 1,255 |
| Average earning assets | $558,135,000 | 1,226 |
| Average equity | $50,856,500 | 1,559 |
| Average total loans | $259,021,500 | 1,812 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0398% | 5,215 |
| Cost of funding earning assets | 0.3907% | 4,044 |
| Net interest margin | 2.6491% | 5,125 |
| Noninterest income to average assets | 0.1144% | 5,100 |
| Noninterest expense to average assets | 1.6895% | 5,101 |
| Loan and lease loss provision to assets | 0.0513% | 3,156 |
| Net operating income to assets | 0.7770% | 3,891 |
| Return on assets (ROA) | 0.7819% | 3,874 |
| Pretax return on assets | 0.9441% | 3,777 |
| Return on Equity (ROE) | 10.8954% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.9709% | 621 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0628% | 3,333 |
| Assets per employee ($millions) | 10.9417% | 266 |
| Cash dividends to net income (ytd only)* | 8.4854% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,639 |
| 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 | 46.8988% | 4,700 |
| Net loans and leases to deposits | 56.6715% | 4,636 |
| Net loans and leases to core deposits | 61.2242% | 4,575 |
| Total domestic deposits to total assets | 82.7554% | 3,406 |
| Equity capital to assets | 9.5987% | 4,048 |
| Core capital (leverage) ratio | 9.4172% | 4,218 |
| Tier 1 risk-based capital ratio | 19.2295% | 1,469 |
| Total risk-based capital ratio | 20.4796% | 1,432 |
| Memoranda: | ||
| Average total assets | $679,776,200 | 1,080 |
| Average earning assets | $658,106,000 | 1,042 |
| Average equity | $48,782,200 | 1,545 |
| Average total loans | $242,061,000 | 1,868 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9403% | 5,312 |
| Cost of funding earning assets | 0.3563% | 4,140 |
| Net interest margin | 2.5840% | 5,228 |
| Noninterest income to average assets | 0.1040% | 5,201 |
| Noninterest expense to average assets | 1.5920% | 5,214 |
| Loan and lease loss provision to assets | 0.0273% | 3,459 |
| Net operating income to assets | 0.8173% | 3,852 |
| Return on assets (ROA) | 0.8229% | 3,844 |
| Pretax return on assets | 0.9981% | 3,722 |
| Return on Equity (ROE) | 12.2604% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.2823% | 594 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9814% | 3,664 |
| Assets per employee ($millions) | 14.6036% | 107 |
| Cash dividends to net income (ytd only)* | 7.9773% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 1,696 |
| 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 | 33.1737% | 5,218 |
| Net loans and leases to deposits | 35.6714% | 5,275 |
| Net loans and leases to core deposits | 36.6033% | 5,289 |
| Total domestic deposits to total assets | 92.9979% | 33 |
| Equity capital to assets | 6.7724% | 5,412 |
| Core capital (leverage) ratio | 6.9253% | 5,431 |
| Tier 1 risk-based capital ratio | 19.3657% | 1,459 |
| Total risk-based capital ratio | 20.5720% | 1,438 |
| Memoranda: | ||
| Average total assets | $712,948,500 | 1,042 |
| Average earning assets | $691,610,250 | 995 |
| Average equity | $47,849,500 | 1,572 |
| Average total loans | $237,521,250 | 1,907 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8193% | 5,396 |
| Cost of funding earning assets | 0.3188% | 4,276 |
| Net interest margin | 2.5006% | 5,345 |
| Noninterest income to average assets | 0.0882% | 5,303 |
| Noninterest expense to average assets | 1.5789% | 5,288 |
| Loan and lease loss provision to assets | -0.0102% | 5,303 |
| Net operating income to assets | 0.7836% | 3,911 |
| Return on assets (ROA) | 0.7930% | 3,880 |
| Pretax return on assets | 0.9601% | 3,774 |
| Return on Equity (ROE) | 11.8523% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.3687% | 823 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7162% | 3,533 |
| Assets per employee ($millions) | 16.6225% | 72 |
| Cash dividends to net income (ytd only)* | 12.5178% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,753 |
| 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 | 27.6445% | 5,363 |
| Net loans and leases to deposits | 29.4280% | 5,401 |
| Net loans and leases to core deposits | 30.1282% | 5,403 |
| Total domestic deposits to total assets | 93.9395% | 17 |
| Equity capital to assets | 5.8887% | 5,509 |
| Core capital (leverage) ratio | 7.0006% | 5,485 |
| Tier 1 risk-based capital ratio | 20.1115% | 1,300 |
| Total risk-based capital ratio | 21.3332% | 1,278 |
| Memoranda: | ||
| Average total assets | $707,204,330 | 1,052 |
| Average earning assets | $687,044,330 | 1,002 |
| Average equity | $47,315,670 | 1,596 |
| Average total loans | $234,805,670 | 1,921 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8661% | 5,428 |
| Cost of funding earning assets | 0.2809% | 4,498 |
| Net interest margin | 2.5852% | 5,334 |
| Noninterest income to average assets | 0.0763% | 5,408 |
| Noninterest expense to average assets | 1.7178% | 5,227 |
| Loan and lease loss provision to assets | 0.0056% | 3,434 |
| Net operating income to assets | 0.7168% | 4,044 |
| Return on assets (ROA) | 0.7389% | 3,951 |
| Pretax return on assets | 0.8896% | 3,880 |
| Return on Equity (ROE) | 10.2532% | 2,297 |
| Retained earnings to average equity (ytd only) | 7.2340% | 2,169 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4190% | 3,094 |
| Assets per employee ($millions) | 14.0178% | 122 |
| Cash dividends to net income (ytd only)* | 29.4463% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,843 |
| 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 | 33.8669% | 5,275 |
| Net loans and leases to deposits | 36.7474% | 5,344 |
| Net loans and leases to core deposits | 38.1809% | 5,352 |
| Total domestic deposits to total assets | 92.1614% | 89 |
| Equity capital to assets | 6.8736% | 5,522 |
| Core capital (leverage) ratio | 8.0274% | 5,383 |
| Tier 1 risk-based capital ratio | 19.6448% | 1,407 |
| Total risk-based capital ratio | 20.8955% | 1,374 |
| Memoranda: | ||
| Average total assets | $645,245,000 | 1,144 |
| Average earning assets | $626,488,500 | 1,097 |
| Average equity | $46,502,500 | 1,628 |
| Average total loans | $235,699,500 | 1,925 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9933% | 5,359 |
| Cost of funding earning assets | 0.2290% | 4,734 |
| Net interest margin | 2.7643% | 5,215 |
| Noninterest income to average assets | 0.1314% | 5,286 |
| Noninterest expense to average assets | 1.9035% | 5,110 |
| Loan and lease loss provision to assets | 0.0373% | 3,521 |
| Net operating income to assets | 0.5099% | 4,352 |
| Return on assets (ROA) | 0.5096% | 4,386 |
| Pretax return on assets | 0.8591% | 4,052 |
| Return on Equity (ROE) | 6.8110% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.0592% | 1,510 |
| Net charge-offs to loans | 0.0065% | 3,845 |
| Credit loss provision to net charge-offs | 1,326.6667% | 291 |
| Earnings coverage of net charge-offs (x) | 318.8667% | 270 |
| Efficiency ratio | 67.9746% | 2,902 |
| Assets per employee ($millions) | 12.3187% | 171 |
| Cash dividends to net income (ytd only)* | 11.0375% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,775 |
| 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 | 38.4647% | 5,200 |
| Net loans and leases to deposits | 42.1606% | 5,294 |
| Net loans and leases to core deposits | 44.1025% | 5,290 |
| Total domestic deposits to total assets | 91.2337% | 188 |
| Equity capital to assets | 7.5863% | 5,525 |
| Core capital (leverage) ratio | 8.0786% | 5,404 |
| Tier 1 risk-based capital ratio | 17.9080% | 1,824 |
| Total risk-based capital ratio | 19.1518% | 1,775 |
| Memoranda: | ||
| Average total assets | $533,320,200 | 1,324 |
| Average earning assets | $514,919,000 | 1,269 |
| Average equity | $39,906,000 | 1,865 |
| Average total loans | $231,238,000 | 1,932 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 5,407 |
| Cost of funding earning assets | 0.2165% | 4,837 |
| Net interest margin | 2.7859% | 5,243 |
| Noninterest income to average assets | 0.1194% | 5,402 |
| Noninterest expense to average assets | 1.9254% | 5,100 |
| Loan and lease loss provision to assets | 0.0613% | 2,848 |
| Net operating income to assets | 0.6158% | 4,329 |
| Return on assets (ROA) | 0.6173% | 4,369 |
| Pretax return on assets | 0.8223% | 4,295 |
| Return on Equity (ROE) | 8.2840% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.2433% | 1,573 |
| Net charge-offs to loans | 0.0087% | 3,415 |
| Credit loss provision to net charge-offs | 1,580.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 227.3275% | 382 |
| Efficiency ratio | 68.5946% | 2,767 |
| Assets per employee ($millions) | 11.8176% | 188 |
| Cash dividends to net income (ytd only)* | 12.5628% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 41.4850% | 5,136 |
| Net loans and leases to deposits | 45.3191% | 5,277 |
| Net loans and leases to core deposits | 47.3264% | 5,276 |
| Total domestic deposits to total assets | 91.5398% | 98 |
| Equity capital to assets | 7.3344% | 5,633 |
| Core capital (leverage) ratio | 7.7023% | 5,593 |
| Tier 1 risk-based capital ratio | 15.7762% | 2,599 |
| Total risk-based capital ratio | 17.0239% | 2,539 |
| Memoranda: | ||
| Average total assets | $515,746,250 | 1,370 |
| Average earning assets | $497,542,750 | 1,318 |
| Average equity | $38,434,500 | 1,936 |
| Average total loans | $230,179,250 | 1,946 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0098% | 5,426 |
| Cost of funding earning assets | 0.2016% | 4,964 |
| Net interest margin | 2.8082% | 5,231 |
| Noninterest income to average assets | 0.1139% | 5,467 |
| Noninterest expense to average assets | 1.9816% | 5,014 |
| Loan and lease loss provision to assets | 0.0477% | 3,039 |
| Net operating income to assets | 0.5978% | 4,318 |
| Return on assets (ROA) | 0.6005% | 4,346 |
| Pretax return on assets | 0.7927% | 4,296 |
| Return on Equity (ROE) | 8.0101% | 3,029 |
| Retained earnings to average equity (ytd only) | 6.4048% | 1,899 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3103% | 2,620 |
| Assets per employee ($millions) | 10.9869% | 225 |
| Cash dividends to net income (ytd only)* | 20.0401% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.4275% | 5,071 |
| Net loans and leases to deposits | 47.4390% | 5,230 |
| Net loans and leases to core deposits | 50.0188% | 5,222 |
| Total domestic deposits to total assets | 91.5439% | 125 |
| Equity capital to assets | 7.3155% | 5,680 |
| Core capital (leverage) ratio | 7.6717% | 5,614 |
| Tier 1 risk-based capital ratio | 15.0134% | 2,920 |
| Total risk-based capital ratio | 16.2489% | 2,860 |
| Memoranda: | ||
| Average total assets | $498,580,670 | 1,416 |
| Average earning assets | $480,159,670 | 1,371 |
| Average equity | $37,378,000 | 1,967 |
| Average total loans | $227,354,670 | 1,960 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0176% | 5,443 |
| Cost of funding earning assets | 0.1747% | 5,200 |
| Net interest margin | 2.8429% | 5,180 |
| Noninterest income to average assets | 0.1281% | 5,479 |
| Noninterest expense to average assets | 2.0207% | 5,002 |
| Loan and lease loss provision to assets | 0.0347% | 3,092 |
| Net operating income to assets | 0.6162% | 4,085 |
| Return on assets (ROA) | 0.6212% | 4,106 |
| Pretax return on assets | 0.8212% | 4,029 |
| Return on Equity (ROE) | 8.1790% | 2,823 |
| Retained earnings to average equity (ytd only) | 4.9161% | 2,935 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4088% | 2,830 |
| Assets per employee ($millions) | 10.7730% | 238 |
| Cash dividends to net income (ytd only)* | 39.8936% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 45.9068% | 4,947 |
| Net loans and leases to deposits | 50.0494% | 5,129 |
| Net loans and leases to core deposits | 53.0453% | 5,103 |
| Total domestic deposits to total assets | 91.7231% | 142 |
| Equity capital to assets | 7.6741% | 5,636 |
| Core capital (leverage) ratio | 8.0796% | 5,521 |
| Tier 1 risk-based capital ratio | 14.9838% | 2,968 |
| Total risk-based capital ratio | 16.2107% | 2,913 |
| Memoranda: | ||
| Average total assets | $484,185,500 | 1,462 |
| Average earning assets | $466,988,500 | 1,414 |
| Average equity | $36,777,000 | 1,993 |
| Average total loans | $224,905,500 | 1,988 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7303% | 5,675 |
| Cost of funding earning assets | 0.1261% | 5,579 |
| Net interest margin | 2.6041% | 5,511 |
| Noninterest income to average assets | 0.1658% | 5,384 |
| Noninterest expense to average assets | 1.8467% | 5,430 |
| Loan and lease loss provision to assets | 0.1055% | 2,290 |
| Net operating income to assets | 0.5616% | 4,380 |
| Return on assets (ROA) | 0.6156% | 4,262 |
| Pretax return on assets | 0.7983% | 4,190 |
| Return on Equity (ROE) | 8.1960% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.6025% | 998 |
| Net charge-offs to loans | -0.0109% | 4,961 |
| Credit loss provision to net charge-offs | -2,409.0909% | 5,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8966% | 3,091 |
| Assets per employee ($millions) | 10.7464% | 242 |
| Cash dividends to net income (ytd only)* | 7.2422% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 45.7002% | 5,035 |
| Net loans and leases to deposits | 49.8395% | 5,219 |
| Net loans and leases to core deposits | 51.6470% | 5,246 |
| Total domestic deposits to total assets | 91.6946% | 137 |
| Equity capital to assets | 7.5170% | 5,715 |
| Core capital (leverage) ratio | 7.5620% | 5,738 |
| Tier 1 risk-based capital ratio | 14.5952% | 3,153 |
| Total risk-based capital ratio | 15.7884% | 3,111 |
| Memoranda: | ||
| Average total assets | $502,457,800 | 1,370 |
| Average earning assets | $485,189,200 | 1,304 |
| Average equity | $37,737,800 | 1,936 |
| Average total loans | $201,755,200 | 2,113 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6711% | 5,770 |
| Cost of funding earning assets | 0.1236% | 5,657 |
| Net interest margin | 2.5475% | 5,627 |
| Noninterest income to average assets | 0.1488% | 5,519 |
| Noninterest expense to average assets | 1.7661% | 5,556 |
| Loan and lease loss provision to assets | 0.1017% | 2,213 |
| Net operating income to assets | 0.5729% | 4,402 |
| Return on assets (ROA) | 0.6199% | 4,335 |
| Pretax return on assets | 0.8023% | 4,300 |
| Return on Equity (ROE) | 8.2551% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.4709% | 1,418 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6877% | 3,285 |
| Assets per employee ($millions) | 13.4482% | 115 |
| Cash dividends to net income (ytd only)* | 9.4996% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 33.5748% | 5,637 |
| Net loans and leases to deposits | 35.9991% | 5,727 |
| Net loans and leases to core deposits | 37.0678% | 5,737 |
| Total domestic deposits to total assets | 93.2656% | 26 |
| Equity capital to assets | 6.3734% | 5,922 |
| Core capital (leverage) ratio | 6.2129% | 5,919 |
| Tier 1 risk-based capital ratio | 13.8127% | 3,662 |
| Total risk-based capital ratio | 14.9031% | 3,679 |
| Memoranda: | ||
| Average total assets | $507,175,500 | 1,357 |
| Average earning assets | $489,828,250 | 1,300 |
| Average equity | $38,084,500 | 1,932 |
| Average total loans | $196,166,500 | 2,152 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7858% | 5,804 |
| Cost of funding earning assets | 0.1312% | 5,681 |
| Net interest margin | 2.6546% | 5,616 |
| Noninterest income to average assets | 0.1345% | 5,640 |
| Noninterest expense to average assets | 1.8807% | 5,488 |
| Loan and lease loss provision to assets | 0.0736% | 2,667 |
| Net operating income to assets | 0.5779% | 4,363 |
| Return on assets (ROA) | 0.6549% | 4,168 |
| Pretax return on assets | 0.8438% | 4,146 |
| Return on Equity (ROE) | 8.1781% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.9878% | 1,607 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6721% | 3,034 |
| Assets per employee ($millions) | 12.0963% | 156 |
| Cash dividends to net income (ytd only)* | 14.5549% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.1041% | 5,555 |
| Net loans and leases to deposits | 40.2757% | 5,679 |
| Net loans and leases to core deposits | 41.6991% | 5,692 |
| Total domestic deposits to total assets | 92.1254% | 74 |
| Equity capital to assets | 7.5153% | 5,912 |
| Core capital (leverage) ratio | 7.5178% | 5,879 |
| Tier 1 risk-based capital ratio | 14.3699% | 3,394 |
| Total risk-based capital ratio | 15.4455% | 3,418 |
| Memoranda: | ||
| Average total assets | $470,027,670 | 1,460 |
| Average earning assets | $454,157,330 | 1,413 |
| Average equity | $37,637,000 | 1,959 |
| Average total loans | $191,340,330 | 2,197 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8430% | 5,825 |
| Cost of funding earning assets | 0.1360% | 5,708 |
| Net interest margin | 2.7071% | 5,610 |
| Noninterest income to average assets | 0.1465% | 5,608 |
| Noninterest expense to average assets | 1.9561% | 5,419 |
| Loan and lease loss provision to assets | 0.1312% | 1,611 |
| Net operating income to assets | 0.5599% | 4,368 |
| Return on assets (ROA) | 0.5376% | 4,585 |
| Pretax return on assets | 0.6454% | 4,688 |
| Return on Equity (ROE) | 6.4805% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.0530% | 3,466 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8795% | 2,970 |
| Assets per employee ($millions) | 11.7308% | 168 |
| Cash dividends to net income (ytd only)* | 37.4582% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 2,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 40.8874% | 5,405 |
| Net loans and leases to deposits | 44.5111% | 5,571 |
| Net loans and leases to core deposits | 46.5074% | 5,566 |
| Total domestic deposits to total assets | 91.8590% | 122 |
| Equity capital to assets | 7.8631% | 5,870 |
| Core capital (leverage) ratio | 8.3195% | 5,551 |
| Tier 1 risk-based capital ratio | 13.5224% | 3,970 |
| Total risk-based capital ratio | 14.5510% | 4,023 |
| Memoranda: | ||
| Average total assets | $444,972,000 | 1,539 |
| Average earning assets | $429,545,000 | 1,480 |
| Average equity | $36,910,500 | 1,993 |
| Average total loans | $189,148,500 | 2,220 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8446% | 5,852 |
| Cost of funding earning assets | 0.1540% | 5,661 |
| Net interest margin | 2.6906% | 5,660 |
| Noninterest income to average assets | 0.1788% | 5,514 |
| Noninterest expense to average assets | 1.9664% | 5,519 |
| Loan and lease loss provision to assets | 0.0507% | 3,308 |
| Net operating income to assets | 0.5804% | 4,383 |
| Return on assets (ROA) | 0.5932% | 4,407 |
| Pretax return on assets | 0.7620% | 4,330 |
| Return on Equity (ROE) | 7.1244% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.5496% | 1,511 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1798% | 3,038 |
| Assets per employee ($millions) | 10.2613% | 246 |
| Cash dividends to net income (ytd only)* | 8.0678% | 4,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.0646% | 5,340 |
| Net loans and leases to deposits | 47.4581% | 5,499 |
| Net loans and leases to core deposits | 49.6953% | 5,513 |
| Total domestic deposits to total assets | 90.7424% | 359 |
| Equity capital to assets | 8.7767% | 5,330 |
| Core capital (leverage) ratio | 8.5173% | 5,409 |
| Tier 1 risk-based capital ratio | 14.0592% | 3,681 |
| Total risk-based capital ratio | 15.0364% | 3,762 |
| Memoranda: | ||
| Average total assets | $417,873,800 | 1,584 |
| Average earning assets | $401,292,800 | 1,524 |
| Average equity | $34,795,800 | 2,048 |
| Average total loans | $173,273,200 | 2,312 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8044% | 5,955 |
| Cost of funding earning assets | 0.1580% | 5,728 |
| Net interest margin | 2.6464% | 5,788 |
| Noninterest income to average assets | 0.1803% | 5,574 |
| Noninterest expense to average assets | 1.9509% | 5,565 |
| Loan and lease loss provision to assets | 0.0355% | 3,511 |
| Net operating income to assets | 0.5699% | 4,529 |
| Return on assets (ROA) | 0.5574% | 4,655 |
| Pretax return on assets | 0.7156% | 4,628 |
| Return on Equity (ROE) | 6.7865% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.0082% | 2,241 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7780% | 2,921 |
| Assets per employee ($millions) | 11.2857% | 180 |
| Cash dividends to net income (ytd only)* | 11.4679% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.6135% | 5,614 |
| Net loans and leases to deposits | 43.4069% | 5,742 |
| Net loans and leases to core deposits | 46.4325% | 5,720 |
| Total domestic deposits to total assets | 91.2608% | 193 |
| Equity capital to assets | 8.4243% | 5,750 |
| Core capital (leverage) ratio | 7.7328% | 6,003 |
| Tier 1 risk-based capital ratio | 14.1797% | 3,740 |
| Total risk-based capital ratio | 15.1361% | 3,854 |
| Memoranda: | ||
| Average total assets | $417,163,750 | 1,594 |
| Average earning assets | $400,030,750 | 1,542 |
| Average equity | $34,263,500 | 2,091 |
| Average total loans | $170,657,250 | 2,358 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7863% | 6,026 |
| Cost of funding earning assets | 0.1652% | 5,739 |
| Net interest margin | 2.6211% | 5,863 |
| Noninterest income to average assets | 0.1851% | 5,583 |
| Noninterest expense to average assets | 1.9648% | 5,601 |
| Loan and lease loss provision to assets | 0.0322% | 3,470 |
| Net operating income to assets | 0.5465% | 4,571 |
| Return on assets (ROA) | 0.5485% | 4,673 |
| Pretax return on assets | 0.7013% | 4,646 |
| Return on Equity (ROE) | 6.7382% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.5382% | 2,517 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8804% | 2,861 |
| Assets per employee ($millions) | 13.9596% | 92 |
| Cash dividends to net income (ytd only)* | 17.8094% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.9337% | 5,865 |
| Net loans and leases to deposits | 37.7813% | 5,982 |
| Net loans and leases to core deposits | 39.2226% | 5,982 |
| Total domestic deposits to total assets | 92.4627% | 88 |
| Equity capital to assets | 7.3269% | 6,142 |
| Core capital (leverage) ratio | 8.0722% | 5,889 |
| Tier 1 risk-based capital ratio | 14.3556% | 3,730 |
| Total risk-based capital ratio | 15.3285% | 3,810 |
| Memoranda: | ||
| Average total assets | $409,514,670 | 1,631 |
| Average earning assets | $392,275,330 | 1,575 |
| Average equity | $33,332,330 | 2,151 |
| Average total loans | $168,605,330 | 2,387 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7692% | 6,089 |
| Cost of funding earning assets | 0.1883% | 5,617 |
| Net interest margin | 2.5809% | 5,940 |
| Noninterest income to average assets | 0.1492% | 5,846 |
| Noninterest expense to average assets | 2.1644% | 5,242 |
| Loan and lease loss provision to assets | -0.0519% | 6,164 |
| Net operating income to assets | 0.4223% | 4,984 |
| Return on assets (ROA) | 0.4260% | 5,090 |
| Pretax return on assets | 0.5006% | 5,179 |
| Return on Equity (ROE) | 4.9097% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.4175% | 4,486 |
| Net charge-offs to loans | 0.0938% | 1,786 |
| Credit loss provision to net charge-offs | -123.0769% | 4,522 |
| Earnings coverage of net charge-offs (x) | 10.5385% | 1,928 |
| Efficiency ratio | 82.9673% | 1,501 |
| Assets per employee ($millions) | 10.3238% | 238 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 3,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.0024% | 5,598 |
| Net loans and leases to deposits | 43.6305% | 5,774 |
| Net loans and leases to core deposits | 45.8567% | 5,763 |
| Total domestic deposits to total assets | 91.6846% | 194 |
| Equity capital to assets | 8.0553% | 6,005 |
| Core capital (leverage) ratio | 8.6122% | 5,409 |
| Tier 1 risk-based capital ratio | 14.0217% | 3,994 |
| Total risk-based capital ratio | 15.0406% | 4,077 |
| Memoranda: | ||
| Average total assets | $369,979,000 | 1,803 |
| Average earning assets | $352,594,000 | 1,746 |
| Average equity | $32,099,500 | 2,228 |
| Average total loans | $166,361,500 | 2,417 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 5,995 |
| Cost of funding earning assets | 0.2013% | 5,732 |
| Net interest margin | 2.8643% | 5,711 |
| Noninterest income to average assets | 0.1444% | 5,974 |
| Noninterest expense to average assets | 2.1549% | 5,444 |
| Loan and lease loss provision to assets | 0.0506% | 3,550 |
| Net operating income to assets | 0.5502% | 4,597 |
| Return on assets (ROA) | 0.5721% | 4,581 |
| Pretax return on assets | 0.7031% | 4,619 |
| Return on Equity (ROE) | 6.5720% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.5720% | 1,612 |
| Net charge-offs to loans | -0.0308% | 5,796 |
| Credit loss provision to net charge-offs | -378.7234% | 5,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7806% | 2,701 |
| Assets per employee ($millions) | 8.8771% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.5233% | 5,015 |
| Net loans and leases to deposits | 57.2311% | 5,108 |
| Net loans and leases to core deposits | 61.6531% | 5,029 |
| Total domestic deposits to total assets | 86.5322% | 2,554 |
| Equity capital to assets | 9.4169% | 4,821 |
| Core capital (leverage) ratio | 8.9441% | 5,071 |
| Tier 1 risk-based capital ratio | 13.8825% | 4,181 |
| Total risk-based capital ratio | 14.9368% | 4,239 |
| Memoranda: | ||
| Average total assets | $351,857,400 | 1,849 |
| Average earning assets | $336,245,600 | 1,784 |
| Average equity | $30,629,800 | 2,238 |
| Average total loans | $152,476,600 | 2,543 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0348% | 6,100 |
| Cost of funding earning assets | 0.2008% | 5,819 |
| Net interest margin | 2.8341% | 5,817 |
| Noninterest income to average assets | 0.1241% | 6,142 |
| Noninterest expense to average assets | 2.1360% | 5,495 |
| Loan and lease loss provision to assets | 0.0188% | 4,031 |
| Net operating income to assets | 0.5572% | 4,644 |
| Return on assets (ROA) | 0.5581% | 4,715 |
| Pretax return on assets | 0.6815% | 4,758 |
| Return on Equity (ROE) | 6.5378% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.5378% | 2,077 |
| Net charge-offs to loans | -0.0423% | 5,849 |
| Credit loss provision to net charge-offs | -106.3830% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3407% | 2,610 |
| Assets per employee ($millions) | 10.2867% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 3,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.5329% | 5,712 |
| Net loans and leases to deposits | 45.6529% | 5,889 |
| Net loans and leases to core deposits | 47.5717% | 5,905 |
| Total domestic deposits to total assets | 90.9754% | 371 |
| Equity capital to assets | 8.4348% | 5,846 |
| Core capital (leverage) ratio | 7.9953% | 6,071 |
| Tier 1 risk-based capital ratio | 14.1976% | 4,082 |
| Total risk-based capital ratio | 15.2345% | 4,167 |
| Memoranda: | ||
| Average total assets | $355,489,250 | 1,850 |
| Average earning assets | $340,041,250 | 1,771 |
| Average equity | $30,345,750 | 2,265 |
| Average total loans | $148,245,000 | 2,608 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0405% | 6,139 |
| Cost of funding earning assets | 0.2012% | 5,901 |
| Net interest margin | 2.8393% | 5,838 |
| Noninterest income to average assets | 0.1124% | 6,232 |
| Noninterest expense to average assets | 2.1703% | 5,481 |
| Loan and lease loss provision to assets | 0.0285% | 3,709 |
| Net operating income to assets | 0.5252% | 4,715 |
| Return on assets (ROA) | 0.5266% | 4,799 |
| Pretax return on assets | 0.6287% | 4,852 |
| Return on Equity (ROE) | 6.1433% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.1433% | 2,240 |
| Net charge-offs to loans | -0.0645% | 5,986 |
| Credit loss provision to net charge-offs | -106.3830% | 5,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8019% | 2,487 |
| Assets per employee ($millions) | 9.9199% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 3,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 40.1604% | 5,798 |
| Net loans and leases to deposits | 43.8767% | 5,989 |
| Net loans and leases to core deposits | 45.4874% | 6,016 |
| Total domestic deposits to total assets | 91.5300% | 257 |
| Equity capital to assets | 8.2110% | 6,019 |
| Core capital (leverage) ratio | 8.1927% | 5,935 |
| Tier 1 risk-based capital ratio | 13.7145% | 4,437 |
| Total risk-based capital ratio | 14.7352% | 4,533 |
| Memoranda: | ||
| Average total assets | $350,545,330 | 1,870 |
| Average earning assets | $335,012,670 | 1,797 |
| Average equity | $30,049,000 | 2,275 |
| Average total loans | $145,652,330 | 2,645 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0370% | 6,202 |
| Cost of funding earning assets | 0.1998% | 6,002 |
| Net interest margin | 2.8372% | 5,868 |
| Noninterest income to average assets | 0.1162% | 6,270 |
| Noninterest expense to average assets | 2.2837% | 5,237 |
| Loan and lease loss provision to assets | -0.0628% | 6,460 |
| Net operating income to assets | 0.5140% | 4,617 |
| Return on assets (ROA) | 0.5170% | 4,678 |
| Pretax return on assets | 0.6095% | 4,800 |
| Return on Equity (ROE) | 5.8924% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.8924% | 2,595 |
| Net charge-offs to loans | -0.1327% | 6,241 |
| Credit loss provision to net charge-offs | 112.7660% | 1,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7886% | 2,082 |
| Assets per employee ($millions) | 9.0596% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 39.5898% | 5,837 |
| Net loans and leases to deposits | 43.4214% | 6,002 |
| Net loans and leases to core deposits | 45.1070% | 6,033 |
| Total domestic deposits to total assets | 91.1758% | 500 |
| Equity capital to assets | 8.4934% | 5,660 |
| Core capital (leverage) ratio | 8.7535% | 5,319 |
| Tier 1 risk-based capital ratio | 14.0348% | 4,312 |
| Total risk-based capital ratio | 15.0527% | 4,421 |
| Memoranda: | ||
| Average total assets | $337,340,000 | 1,942 |
| Average earning assets | $322,289,000 | 1,871 |
| Average equity | $29,597,500 | 2,288 |
| Average total loans | $141,676,000 | 2,710 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 5,682 |
| Cost of funding earning assets | 0.2596% | 5,910 |
| Net interest margin | 3.2212% | 4,927 |
| Noninterest income to average assets | 0.1812% | 6,000 |
| Noninterest expense to average assets | 2.2278% | 5,559 |
| Loan and lease loss provision to assets | -0.0133% | 6,282 |
| Net operating income to assets | 0.8478% | 3,046 |
| Return on assets (ROA) | 0.7065% | 3,847 |
| Pretax return on assets | 0.8682% | 3,889 |
| Return on Equity (ROE) | 7.2840% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.2840% | 1,325 |
| Net charge-offs to loans | -0.1578% | 6,577 |
| Credit loss provision to net charge-offs | 20.2970% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3980% | 4,126 |
| Assets per employee ($millions) | 8.6853% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.3275% | 5,733 |
| Net loans and leases to deposits | 48.0124% | 5,897 |
| Net loans and leases to core deposits | 51.6711% | 5,817 |
| Total domestic deposits to total assets | 90.2423% | 942 |
| Equity capital to assets | 9.0821% | 4,942 |
| Core capital (leverage) ratio | 9.2367% | 4,664 |
| Tier 1 risk-based capital ratio | 15.0155% | 3,656 |
| Total risk-based capital ratio | 16.1388% | 3,677 |
| Memoranda: | ||
| Average total assets | $308,552,400 | 2,088 |
| Average earning assets | $294,645,000 | 2,012 |
| Average equity | $29,928,600 | 2,255 |
| Average total loans | $128,002,400 | 2,891 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 5,603 |
| Cost of funding earning assets | 0.2678% | 5,974 |
| Net interest margin | 3.2698% | 4,750 |
| Noninterest income to average assets | 0.2022% | 5,972 |
| Noninterest expense to average assets | 2.2343% | 5,522 |
| Loan and lease loss provision to assets | -0.0533% | 6,555 |
| Net operating income to assets | 0.9337% | 2,670 |
| Return on assets (ROA) | 0.6855% | 4,066 |
| Pretax return on assets | 0.8370% | 4,155 |
| Return on Equity (ROE) | 6.9511% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.9511% | 1,901 |
| Net charge-offs to loans | -0.2160% | 6,666 |
| Credit loss provision to net charge-offs | 60.3960% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2847% | 4,236 |
| Assets per employee ($millions) | 8.2751% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 3,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.7864% | 5,741 |
| Net loans and leases to deposits | 48.4987% | 5,930 |
| Net loans and leases to core deposits | 52.6600% | 5,856 |
| Total domestic deposits to total assets | 90.2837% | 846 |
| Equity capital to assets | 9.3106% | 4,787 |
| Core capital (leverage) ratio | 9.0628% | 5,022 |
| Tier 1 risk-based capital ratio | 15.2660% | 3,585 |
| Total risk-based capital ratio | 16.3792% | 3,620 |
| Memoranda: | ||
| Average total assets | $305,351,250 | 2,117 |
| Average earning assets | $291,219,500 | 2,041 |
| Average equity | $30,114,250 | 2,264 |
| Average total loans | $124,663,750 | 2,962 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 5,377 |
| Cost of funding earning assets | 0.2699% | 6,049 |
| Net interest margin | 3.3482% | 4,382 |
| Noninterest income to average assets | 0.2445% | 5,704 |
| Noninterest expense to average assets | 2.2971% | 5,378 |
| Loan and lease loss provision to assets | 0.0826% | 3,419 |
| Net operating income to assets | 0.8325% | 3,134 |
| Return on assets (ROA) | 0.8647% | 3,125 |
| Pretax return on assets | 1.1027% | 3,087 |
| Return on Equity (ROE) | 8.6069% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.6069% | 1,256 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7556% | 4,404 |
| Assets per employee ($millions) | 8.3463% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 40.5298% | 6,011 |
| Net loans and leases to deposits | 44.9445% | 6,172 |
| Net loans and leases to core deposits | 48.8618% | 6,085 |
| Total domestic deposits to total assets | 90.1775% | 933 |
| Equity capital to assets | 9.0068% | 5,208 |
| Core capital (leverage) ratio | 8.6126% | 5,539 |
| Tier 1 risk-based capital ratio | 14.5568% | 4,064 |
| Total risk-based capital ratio | 15.6777% | 4,106 |
| Memoranda: | ||
| Average total assets | $305,076,000 | 2,127 |
| Average earning assets | $291,261,000 | 2,045 |
| Average equity | $30,650,000 | 2,242 |
| Average total loans | $120,850,330 | 3,054 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 5,339 |
| Cost of funding earning assets | 0.2665% | 6,182 |
| Net interest margin | 3.3735% | 4,216 |
| Noninterest income to average assets | 0.2546% | 5,635 |
| Noninterest expense to average assets | 2.2809% | 5,467 |
| Loan and lease loss provision to assets | 0.0435% | 3,876 |
| Net operating income to assets | 0.8837% | 2,730 |
| Return on assets (ROA) | 1.0066% | 2,313 |
| Pretax return on assets | 1.3126% | 2,184 |
| Return on Equity (ROE) | 9.5173% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.5173% | 1,237 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5918% | 4,731 |
| Assets per employee ($millions) | 8.4844% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 3,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.2765% | 6,199 |
| Net loans and leases to deposits | 41.7856% | 6,330 |
| Net loans and leases to core deposits | 46.1199% | 6,205 |
| Total domestic deposits to total assets | 89.2088% | 1,552 |
| Equity capital to assets | 9.8190% | 4,396 |
| Core capital (leverage) ratio | 9.1990% | 4,569 |
| Tier 1 risk-based capital ratio | 15.6429% | 3,455 |
| Total risk-based capital ratio | 16.7781% | 3,471 |
| Memoranda: | ||
| Average total assets | $303,208,000 | 2,166 |
| Average earning assets | $289,673,500 | 2,081 |
| Average equity | $32,068,000 | 2,175 |
| Average total loans | $117,652,000 | 3,132 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 6,443 |
| Cost of funding earning assets | 0.2272% | 6,763 |
| Net interest margin | 3.2079% | 5,549 |
| Noninterest income to average assets | 0.1435% | 6,317 |
| Noninterest expense to average assets | 1.9965% | 6,333 |
| Loan and lease loss provision to assets | 0.1942% | 3,207 |
| Net operating income to assets | 0.7796% | 3,374 |
| Return on assets (ROA) | 0.9040% | 3,036 |
| Pretax return on assets | 1.1768% | 2,879 |
| Return on Equity (ROE) | 9.9026% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.9026% | 614 |
| Net charge-offs to loans | 0.2254% | 3,589 |
| Credit loss provision to net charge-offs | 287.0536% | 850 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,479 |
| Efficiency ratio | 62.2762% | 5,196 |
| Assets per employee ($millions) | 8.6028% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 2,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.0887% | 6,225 |
| Net loans and leases to deposits | 44.9326% | 6,311 |
| Net loans and leases to core deposits | 53.1920% | 5,930 |
| Total domestic deposits to total assets | 86.9939% | 2,851 |
| Equity capital to assets | 11.3890% | 2,544 |
| Core capital (leverage) ratio | 8.6857% | 5,350 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,609 |
| Total risk-based capital ratio | 18.2338% | 2,628 |
| Memoranda: | ||
| Average total assets | $331,071,400 | 1,949 |
| Average earning assets | $316,066,200 | 1,874 |
| Average equity | $30,224,400 | 2,236 |
| Average total loans | $99,391,800 | 3,538 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 6,699 |
| Cost of funding earning assets | 0.2221% | 6,899 |
| Net interest margin | 3.1107% | 5,913 |
| Noninterest income to average assets | 0.1107% | 6,581 |
| Noninterest expense to average assets | 1.9116% | 6,506 |
| Loan and lease loss provision to assets | 0.1863% | 3,259 |
| Net operating income to assets | 0.7633% | 3,631 |
| Return on assets (ROA) | 0.8249% | 3,562 |
| Pretax return on assets | 1.0628% | 3,491 |
| Return on Equity (ROE) | 9.5428% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.5428% | 1,047 |
| Net charge-offs to loans | 0.3362% | 2,775 |
| Credit loss provision to net charge-offs | 198.3333% | 1,401 |
| Earnings coverage of net charge-offs (x) | 12.4584% | 2,000 |
| Efficiency ratio | 62.0317% | 5,143 |
| Assets per employee ($millions) | 11.4558% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 3,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 27.0132% | 6,899 |
| Net loans and leases to deposits | 29.8954% | 6,954 |
| Net loans and leases to core deposits | 32.3425% | 6,928 |
| Total domestic deposits to total assets | 90.3590% | 648 |
| Equity capital to assets | 8.7800% | 6,036 |
| Core capital (leverage) ratio | 7.0900% | 6,779 |
| Tier 1 risk-based capital ratio | 16.1701% | 3,180 |
| Total risk-based capital ratio | 17.1849% | 3,272 |
| Memoranda: | ||
| Average total assets | $340,715,750 | 1,914 |
| Average earning assets | $325,402,750 | 1,848 |
| Average equity | $29,452,500 | 2,304 |
| Average total loans | $95,166,750 | 3,675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 6,755 |
| Cost of funding earning assets | 0.2333% | 6,964 |
| Net interest margin | 3.1352% | 5,903 |
| Noninterest income to average assets | 0.0969% | 6,686 |
| Noninterest expense to average assets | 1.8753% | 6,650 |
| Loan and lease loss provision to assets | 0.2644% | 2,466 |
| Net operating income to assets | 0.7483% | 3,615 |
| Return on assets (ROA) | 0.7853% | 3,705 |
| Pretax return on assets | 1.0010% | 3,708 |
| Return on Equity (ROE) | 9.1399% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.1399% | 1,222 |
| Net charge-offs to loans | 0.5203% | 2,030 |
| Credit loss provision to net charge-offs | 180.8333% | 1,561 |
| Earnings coverage of net charge-offs (x) | 8.3292% | 2,314 |
| Efficiency ratio | 60.6264% | 5,481 |
| Assets per employee ($millions) | 12.0899% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 6,706 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 26.3747% | 6,969 |
| Net loans and leases to deposits | 28.9897% | 7,022 |
| Net loans and leases to core deposits | 31.4234% | 7,002 |
| Total domestic deposits to total assets | 90.9797% | 452 |
| Equity capital to assets | 8.3263% | 6,355 |
| Core capital (leverage) ratio | 8.0627% | 6,204 |
| Tier 1 risk-based capital ratio | 15.6666% | 3,350 |
| Total risk-based capital ratio | 16.6734% | 3,456 |
| Memoranda: | ||
| Average total assets | $328,274,000 | 1,977 |
| Average earning assets | $313,729,670 | 1,904 |
| Average equity | $28,206,000 | 2,372 |
| Average total loans | $92,256,330 | 3,748 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 6,680 |
| Cost of funding earning assets | 0.2542% | 7,000 |
| Net interest margin | 3.2593% | 5,610 |
| Noninterest income to average assets | 0.1023% | 6,736 |
| Noninterest expense to average assets | 1.9264% | 6,597 |
| Loan and lease loss provision to assets | 0.4157% | 1,516 |
| Net operating income to assets | 0.6915% | 3,925 |
| Return on assets (ROA) | 0.7423% | 3,901 |
| Pretax return on assets | 0.9350% | 3,915 |
| Return on Equity (ROE) | 8.4775% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.4775% | 1,788 |
| Net charge-offs to loans | 1.3168% | 772 |
| Credit loss provision to net charge-offs | 109.3103% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.3828% | 2,858 |
| Efficiency ratio | 59.9592% | 5,617 |
| Assets per employee ($millions) | 11.3549% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 3,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 6,757 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 27.6867% | 6,985 |
| Net loans and leases to deposits | 30.4532% | 7,044 |
| Net loans and leases to core deposits | 33.6247% | 7,001 |
| Total domestic deposits to total assets | 90.9155% | 596 |
| Equity capital to assets | 8.4665% | 6,112 |
| Core capital (leverage) ratio | 8.1616% | 6,080 |
| Tier 1 risk-based capital ratio | 14.5236% | 4,089 |
| Total risk-based capital ratio | 15.4736% | 4,270 |
| Memoranda: | ||
| Average total assets | $305,017,500 | 2,132 |
| Average earning assets | $291,101,000 | 2,053 |
| Average equity | $26,706,000 | 2,502 |
| Average total loans | $88,092,500 | 3,882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 6,217 |
| Cost of funding earning assets | 0.3977% | 6,891 |
| Net interest margin | 3.7364% | 4,129 |
| Noninterest income to average assets | 0.0991% | 6,643 |
| Noninterest expense to average assets | 2.2843% | 6,078 |
| Loan and lease loss provision to assets | 0.0693% | 5,747 |
| Net operating income to assets | 0.9791% | 2,288 |
| Return on assets (ROA) | 1.0402% | 2,188 |
| Pretax return on assets | 1.3298% | 2,017 |
| Return on Equity (ROE) | 10.6772% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.6772% | 450 |
| Net charge-offs to loans | 0.0804% | 5,521 |
| Credit loss provision to net charge-offs | 242.4242% | 993 |
| Earnings coverage of net charge-offs (x) | 46.2273% | 597 |
| Efficiency ratio | 63.3646% | 5,235 |
| Assets per employee ($millions) | 10.8185% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 2,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 6,801 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 29.1168% | 7,034 |
| Net loans and leases to deposits | 32.2974% | 7,091 |
| Net loans and leases to core deposits | 33.4327% | 7,087 |
| Total domestic deposits to total assets | 90.1523% | 911 |
| Equity capital to assets | 9.0702% | 5,464 |
| Core capital (leverage) ratio | 8.7246% | 5,212 |
| Tier 1 risk-based capital ratio | 14.6946% | 3,832 |
| Total risk-based capital ratio | 15.6621% | 4,008 |
| Memoranda: | ||
| Average total assets | $231,009,000 | 2,712 |
| Average earning assets | $216,756,600 | 2,648 |
| Average equity | $22,505,800 | 2,835 |
| Average total loans | $82,106,400 | 4,076 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 5,962 |
| Cost of funding earning assets | 0.4551% | 6,866 |
| Net interest margin | 3.8406% | 3,666 |
| Noninterest income to average assets | 0.0989% | 6,755 |
| Noninterest expense to average assets | 2.3398% | 5,937 |
| Loan and lease loss provision to assets | 0.0871% | 5,355 |
| Net operating income to assets | 0.9793% | 2,397 |
| Return on assets (ROA) | 1.0618% | 2,241 |
| Pretax return on assets | 1.3609% | 2,082 |
| Return on Equity (ROE) | 10.6497% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.6497% | 694 |
| Net charge-offs to loans | 0.1778% | 4,383 |
| Credit loss provision to net charge-offs | 130.5556% | 2,439 |
| Earnings coverage of net charge-offs (x) | 20.1106% | 1,233 |
| Efficiency ratio | 63.5448% | 5,147 |
| Assets per employee ($millions) | 10.2776% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 6,785 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 31.1918% | 7,049 |
| Net loans and leases to deposits | 34.7092% | 7,106 |
| Net loans and leases to core deposits | 35.4759% | 7,133 |
| Total domestic deposits to total assets | 89.8661% | 941 |
| Equity capital to assets | 9.3053% | 5,372 |
| Core capital (leverage) ratio | 8.8228% | 5,225 |
| Tier 1 risk-based capital ratio | 14.6927% | 3,840 |
| Total risk-based capital ratio | 15.7321% | 3,963 |
| Memoranda: | ||
| Average total assets | $215,736,500 | 2,894 |
| Average earning assets | $201,282,250 | 2,841 |
| Average equity | $21,508,750 | 2,944 |
| Average total loans | $80,985,250 | 4,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 5,556 |
| Cost of funding earning assets | 0.5110% | 6,809 |
| Net interest margin | 3.9291% | 3,174 |
| Noninterest income to average assets | 0.1020% | 6,812 |
| Noninterest expense to average assets | 2.3643% | 5,948 |
| Loan and lease loss provision to assets | 0.1396% | 4,558 |
| Net operating income to assets | 0.9782% | 2,318 |
| Return on assets (ROA) | 1.0020% | 2,319 |
| Pretax return on assets | 1.2594% | 2,268 |
| Return on Equity (ROE) | 9.7737% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.7737% | 903 |
| Net charge-offs to loans | 0.2872% | 3,439 |
| Credit loss provision to net charge-offs | 121.5517% | 2,508 |
| Earnings coverage of net charge-offs (x) | 11.9224% | 1,663 |
| Efficiency ratio | 63.3254% | 5,359 |
| Assets per employee ($millions) | 9.4663% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 2,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 35.0928% | 7,009 |
| Net loans and leases to deposits | 39.0726% | 7,091 |
| Net loans and leases to core deposits | 39.9803% | 7,128 |
| Total domestic deposits to total assets | 89.8143% | 1,067 |
| Equity capital to assets | 9.5664% | 4,715 |
| Core capital (leverage) ratio | 9.9674% | 3,301 |
| Tier 1 risk-based capital ratio | 15.0893% | 3,452 |
| Total risk-based capital ratio | 16.2045% | 3,488 |
| Memoranda: | ||
| Average total assets | $202,002,330 | 3,071 |
| Average earning assets | $186,710,330 | 3,039 |
| Average equity | $20,708,670 | 3,035 |
| Average total loans | $80,772,330 | 4,185 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 4,843 |
| Cost of funding earning assets | 0.5542% | 6,789 |
| Net interest margin | 4.0717% | 2,380 |
| Noninterest income to average assets | 0.1035% | 6,892 |
| Noninterest expense to average assets | 2.5068% | 5,525 |
| Loan and lease loss provision to assets | 0.1056% | 4,693 |
| Net operating income to assets | 1.0242% | 2,093 |
| Return on assets (ROA) | 1.0242% | 2,143 |
| Pretax return on assets | 1.2925% | 2,065 |
| Return on Equity (ROE) | 9.6059% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.6059% | 1,208 |
| Net charge-offs to loans | 0.2085% | 3,262 |
| Credit loss provision to net charge-offs | 119.0476% | 2,287 |
| Earnings coverage of net charge-offs (x) | 15.7619% | 1,302 |
| Efficiency ratio | 64.1969% | 5,330 |
| Assets per employee ($millions) | 7.9095% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 3,010 |
| Loan loss allowance to noncurrent loans | 1,399.0385% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 7,025 |
| Noncurrent loans to loans | 0.1287% | 6,725 |
| Net loans and leases to total assets | 41.7950% | 6,643 |
| Net loans and leases to deposits | 47.2712% | 6,780 |
| Net loans and leases to core deposits | 53.9072% | 6,565 |
| Total domestic deposits to total assets | 88.4154% | 2,137 |
| Equity capital to assets | 10.8498% | 2,826 |
| Core capital (leverage) ratio | 10.4385% | 2,669 |
| Tier 1 risk-based capital ratio | 16.4425% | 2,687 |
| Total risk-based capital ratio | 17.6764% | 2,670 |
| Memoranda: | ||
| Average total assets | $189,407,500 | 3,252 |
| Average earning assets | $176,829,500 | 3,199 |
| Average equity | $20,196,000 | 3,080 |
| Average total loans | $80,558,500 | 4,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 5,772 |
| Cost of funding earning assets | 0.7548% | 6,722 |
| Net interest margin | 3.9555% | 3,242 |
| Noninterest income to average assets | 0.1074% | 6,854 |
| Noninterest expense to average assets | 2.5131% | 5,741 |
| Loan and lease loss provision to assets | 0.1429% | 5,755 |
| Net operating income to assets | 0.8351% | 2,649 |
| Return on assets (ROA) | 1.0941% | 1,803 |
| Pretax return on assets | 1.4878% | 1,413 |
| Return on Equity (ROE) | 10.9461% | 1,607 |
| Retained earnings to average equity (ytd only) | 10.9461% | 386 |
| Net charge-offs to loans | 0.0663% | 6,131 |
| Credit loss provision to net charge-offs | 559.1837% | 399 |
| Earnings coverage of net charge-offs (x) | 50.1224% | 466 |
| Efficiency ratio | 66.2405% | 4,928 |
| Assets per employee ($millions) | 7.8744% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 2,858 |
| Loan loss allowance to noncurrent loans | 790.7104% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,990 |
| Noncurrent loans to loans | 0.2278% | 6,607 |
| Net loans and leases to total assets | 41.7364% | 6,859 |
| Net loans and leases to deposits | 50.6151% | 6,824 |
| Net loans and leases to core deposits | 62.0797% | 6,230 |
| Total domestic deposits to total assets | 82.4585% | 5,034 |
| Equity capital to assets | 10.4748% | 3,176 |
| Core capital (leverage) ratio | 9.4363% | 3,791 |
| Tier 1 risk-based capital ratio | 15.8225% | 2,829 |
| Total risk-based capital ratio | 17.0337% | 2,815 |
| Memoranda: | ||
| Average total assets | $191,758,400 | 3,203 |
| Average earning assets | $178,712,400 | 3,139 |
| Average equity | $19,166,600 | 3,263 |
| Average total loans | $73,943,800 | 4,529 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 6,446 |
| Cost of funding earning assets | 0.7763% | 6,827 |
| Net interest margin | 3.7839% | 4,039 |
| Noninterest income to average assets | 0.0998% | 7,047 |
| Noninterest expense to average assets | 2.3867% | 6,072 |
| Loan and lease loss provision to assets | 0.0811% | 6,239 |
| Net operating income to assets | 0.8374% | 2,856 |
| Return on assets (ROA) | 1.0281% | 2,249 |
| Pretax return on assets | 1.4154% | 1,837 |
| Return on Equity (ROE) | 10.4087% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.4087% | 699 |
| Net charge-offs to loans | -0.0037% | 7,191 |
| Credit loss provision to net charge-offs | -5,850.0000% | 7,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8952% | 4,884 |
| Assets per employee ($millions) | 9.8461% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,792 |
| Loan loss allowance to noncurrent loans | 493.0147% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 7,041 |
| Noncurrent loans to loans | 0.3651% | 6,463 |
| Net loans and leases to total assets | 33.7771% | 7,350 |
| Net loans and leases to deposits | 38.3281% | 7,414 |
| Net loans and leases to core deposits | 41.4184% | 7,396 |
| Total domestic deposits to total assets | 88.1263% | 1,884 |
| Equity capital to assets | 9.6522% | 4,614 |
| Core capital (leverage) ratio | 8.6429% | 5,280 |
| Tier 1 risk-based capital ratio | 14.6167% | 3,451 |
| Total risk-based capital ratio | 15.6884% | 3,520 |
| Memoranda: | ||
| Average total assets | $192,451,500 | 3,252 |
| Average earning assets | $179,140,000 | 3,169 |
| Average equity | $19,009,250 | 3,314 |
| Average total loans | $72,349,000 | 4,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 6,467 |
| Cost of funding earning assets | 0.8408% | 6,784 |
| Net interest margin | 3.7558% | 4,105 |
| Noninterest income to average assets | 0.1052% | 7,074 |
| Noninterest expense to average assets | 2.4436% | 5,933 |
| Loan and lease loss provision to assets | 0.0824% | 6,108 |
| Net operating income to assets | 0.7561% | 3,165 |
| Return on assets (ROA) | 1.0423% | 2,114 |
| Pretax return on assets | 1.4859% | 1,593 |
| Return on Equity (ROE) | 10.4591% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.4591% | 756 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8206% | 4,615 |
| Assets per employee ($millions) | 9.6057% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 2,714 |
| Loan loss allowance to noncurrent loans | 311.2710% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 6,886 |
| Noncurrent loans to loans | 0.5785% | 6,093 |
| Net loans and leases to total assets | 35.0884% | 7,384 |
| Net loans and leases to deposits | 39.3052% | 7,455 |
| Net loans and leases to core deposits | 46.5174% | 7,332 |
| Total domestic deposits to total assets | 89.2717% | 1,299 |
| Equity capital to assets | 9.5251% | 4,667 |
| Core capital (leverage) ratio | 9.2614% | 4,189 |
| Tier 1 risk-based capital ratio | 15.3180% | 2,997 |
| Total risk-based capital ratio | 16.4372% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,397,330 | 3,380 |
| Average earning assets | $171,733,670 | 3,312 |
| Average equity | $18,376,330 | 3,403 |
| Average total loans | $71,629,670 | 4,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 6,200 |
| Cost of funding earning assets | 0.9100% | 6,728 |
| Net interest margin | 3.8036% | 3,782 |
| Noninterest income to average assets | 0.1115% | 7,133 |
| Noninterest expense to average assets | 2.5037% | 5,712 |
| Loan and lease loss provision to assets | 0.1366% | 5,198 |
| Net operating income to assets | 0.7086% | 3,402 |
| Return on assets (ROA) | 0.7739% | 3,196 |
| Pretax return on assets | 1.1130% | 2,690 |
| Return on Equity (ROE) | 7.5734% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.5734% | 1,891 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4080% | 4,640 |
| Assets per employee ($millions) | 10.1392% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 2,610 |
| Loan loss allowance to noncurrent loans | 279.3028% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 6,838 |
| Noncurrent loans to loans | 0.6586% | 6,003 |
| Net loans and leases to total assets | 37.4839% | 7,367 |
| Net loans and leases to deposits | 42.7167% | 7,438 |
| Net loans and leases to core deposits | 51.9158% | 7,205 |
| Total domestic deposits to total assets | 87.7499% | 2,212 |
| Equity capital to assets | 9.9395% | 3,939 |
| Core capital (leverage) ratio | 9.7409% | 3,465 |
| Tier 1 risk-based capital ratio | 14.8717% | 3,166 |
| Total risk-based capital ratio | 15.9837% | 3,200 |
| Memoranda: | ||
| Average total assets | $175,736,500 | 3,563 |
| Average earning assets | $163,952,000 | 3,494 |
| Average equity | $17,957,500 | 3,490 |
| Average total loans | $71,405,500 | 4,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 7,335 |
| Cost of funding earning assets | 1.2949% | 6,328 |
| Net interest margin | 3.2578% | 5,900 |
| Noninterest income to average assets | 0.0990% | 7,271 |
| Noninterest expense to average assets | 2.3711% | 6,550 |
| Loan and lease loss provision to assets | 0.4885% | 3,932 |
| Net operating income to assets | 0.7537% | 2,703 |
| Return on assets (ROA) | 0.9167% | 2,185 |
| Pretax return on assets | 0.4218% | 4,429 |
| Return on Equity (ROE) | 8.7229% | 2,111 |
| Retained earnings to average equity (ytd only) | 8.7229% | 538 |
| Net charge-offs to loans | 0.3159% | 4,664 |
| Credit loss provision to net charge-offs | 419.4444% | 752 |
| Earnings coverage of net charge-offs (x) | 6.4167% | 2,368 |
| Efficiency ratio | 76.0373% | 3,521 |
| Assets per employee ($millions) | 9.3871% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 2,999 |
| Loan loss allowance to noncurrent loans | 252.4793% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 6,733 |
| Noncurrent loans to loans | 0.6619% | 5,919 |
| Net loans and leases to total assets | 42.5507% | 7,218 |
| Net loans and leases to deposits | 49.2027% | 7,304 |
| Net loans and leases to core deposits | 63.7871% | 7,102 |
| Total domestic deposits to total assets | 86.4803% | 2,774 |
| Equity capital to assets | 10.5197% | 3,159 |
| Core capital (leverage) ratio | 9.8789% | 3,226 |
| Tier 1 risk-based capital ratio | 14.2427% | 3,349 |
| Total risk-based capital ratio | 15.2984% | 3,423 |
| Memoranda: | ||
| Average total assets | $154,567,800 | 3,886 |
| Average earning assets | $143,257,800 | 3,832 |
| Average equity | $16,244,600 | 3,831 |
| Average total loans | $56,988,000 | 5,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 7,570 |
| Cost of funding earning assets | 1.3489% | 6,401 |
| Net interest margin | 3.0917% | 6,333 |
| Noninterest income to average assets | 0.0830% | 7,486 |
| Noninterest expense to average assets | 2.3784% | 6,481 |
| Loan and lease loss provision to assets | 0.4999% | 3,395 |
| Net operating income to assets | 0.0671% | 5,562 |
| Return on assets (ROA) | 0.2650% | 5,028 |
| Pretax return on assets | 0.2650% | 5,154 |
| Return on Equity (ROE) | 2.5217% | 4,979 |
| Retained earnings to average equity (ytd only) | 2.5217% | 3,915 |
| Net charge-offs to loans | 0.2442% | 4,521 |
| Credit loss provision to net charge-offs | 583.5052% | 664 |
| Earnings coverage of net charge-offs (x) | 6.6186% | 2,568 |
| Efficiency ratio | 80.7496% | 2,740 |
| Assets per employee ($millions) | 8.9227% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 2,672 |
| Loan loss allowance to noncurrent loans | 341.8960% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 7,013 |
| Noncurrent loans to loans | 0.4942% | 6,328 |
| Net loans and leases to total assets | 40.5017% | 7,440 |
| Net loans and leases to deposits | 47.0476% | 7,539 |
| Net loans and leases to core deposits | 61.9638% | 7,328 |
| Total domestic deposits to total assets | 86.0866% | 2,663 |
| Equity capital to assets | 10.5319% | 3,476 |
| Core capital (leverage) ratio | 9.5778% | 3,812 |
| Tier 1 risk-based capital ratio | 14.9681% | 3,053 |
| Total risk-based capital ratio | 16.0521% | 3,076 |
| Memoranda: | ||
| Average total assets | $150,967,750 | 3,965 |
| Average earning assets | $139,766,750 | 3,931 |
| Average equity | $15,862,000 | 3,939 |
| Average total loans | $52,955,250 | 5,599 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 7,814 |
| Cost of funding earning assets | 1.3828% | 6,543 |
| Net interest margin | 2.8431% | 6,926 |
| Noninterest income to average assets | 0.0690% | 7,638 |
| Noninterest expense to average assets | 2.3634% | 6,578 |
| Loan and lease loss provision to assets | 0.4670% | 3,184 |
| Net operating income to assets | -0.1313% | 6,070 |
| Return on assets (ROA) | 0.0799% | 5,714 |
| Pretax return on assets | 0.0799% | 5,717 |
| Return on Equity (ROE) | 0.7608% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.7608% | 4,890 |
| Net charge-offs to loans | 0.1936% | 4,332 |
| Credit loss provision to net charge-offs | 734.0426% | 645 |
| Earnings coverage of net charge-offs (x) | 5.2766% | 2,870 |
| Efficiency ratio | 87.5627% | 2,065 |
| Assets per employee ($millions) | 9.1806% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 2,220 |
| Loan loss allowance to noncurrent loans | 233.0073% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 6,863 |
| Noncurrent loans to loans | 0.7457% | 5,747 |
| Net loans and leases to total assets | 32.6140% | 7,819 |
| Net loans and leases to deposits | 37.6664% | 7,869 |
| Net loans and leases to core deposits | 45.6150% | 7,842 |
| Total domestic deposits to total assets | 86.5865% | 2,462 |
| Equity capital to assets | 9.6611% | 4,411 |
| Core capital (leverage) ratio | 9.6970% | 3,634 |
| Tier 1 risk-based capital ratio | 16.2819% | 2,527 |
| Total risk-based capital ratio | 17.3029% | 2,548 |
| Memoranda: | ||
| Average total assets | $147,754,330 | 4,037 |
| Average earning assets | $136,680,670 | 4,016 |
| Average equity | $15,511,000 | 4,015 |
| Average total loans | $48,551,330 | 5,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 7,960 |
| Cost of funding earning assets | 1.4512% | 6,570 |
| Net interest margin | 2.6160% | 7,349 |
| Noninterest income to average assets | 0.0576% | 7,790 |
| Noninterest expense to average assets | 2.4459% | 6,040 |
| Loan and lease loss provision to assets | 0.2878% | 3,654 |
| Net operating income to assets | -0.2590% | 6,630 |
| Return on assets (ROA) | -0.1928% | 6,628 |
| Pretax return on assets | -0.1928% | 6,566 |
| Return on Equity (ROE) | -1.7535% | 6,633 |
| Retained earnings to average equity (ytd only) | -1.7535% | 6,049 |
| Net charge-offs to loans | 0.4141% | 2,448 |
| Credit loss provision to net charge-offs | 212.7660% | 2,117 |
| Earnings coverage of net charge-offs (x) | 0.2128% | 4,813 |
| Efficiency ratio | 98.8372% | 1,182 |
| Assets per employee ($millions) | 8.4000% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 2,916 |
| Loan loss allowance to noncurrent loans | 158.0357% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 6,628 |
| Noncurrent loans to loans | 0.9567% | 5,084 |
| Net loans and leases to total assets | 30.5020% | 7,908 |
| Net loans and leases to deposits | 36.1103% | 7,941 |
| Net loans and leases to core deposits | 45.8918% | 7,872 |
| Total domestic deposits to total assets | 84.4689% | 3,475 |
| Equity capital to assets | 10.1541% | 3,821 |
| Core capital (leverage) ratio | 11.0235% | 2,482 |
| Tier 1 risk-based capital ratio | 18.3882% | 1,965 |
| Total risk-based capital ratio | 19.2756% | 1,998 |
| Memoranda: | ||
| Average total assets | $139,006,000 | 4,207 |
| Average earning assets | $128,441,500 | 4,184 |
| Average equity | $15,284,000 | 4,086 |
| Average total loans | $45,403,000 | 5,990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 8,078 |
| Cost of funding earning assets | 1.7452% | 7,148 |
| Net interest margin | 2.4610% | 7,797 |
| Noninterest income to average assets | 0.0723% | 7,781 |
| Noninterest expense to average assets | 3.2059% | 3,316 |
| Loan and lease loss provision to assets | 0.6420% | 2,262 |
| Net operating income to assets | -1.5312% | 7,476 |
| Return on assets (ROA) | -1.4492% | 7,389 |
| Pretax return on assets | -1.4492% | 7,234 |
| Return on Equity (ROE) | -9.4353% | 7,236 |
| Retained earnings to average equity (ytd only) | -9.4353% | 7,019 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.3791% | 410 |
| Assets per employee ($millions) | 7.4595% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 2,747 |
| Loan loss allowance to noncurrent loans | 227.4306% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 6,671 |
| Noncurrent loans to loans | 0.6549% | 5,403 |
| Net loans and leases to total assets | 34.1640% | 7,889 |
| Net loans and leases to deposits | 41.3204% | 7,914 |
| Net loans and leases to core deposits | 46.9418% | 7,945 |
| Total domestic deposits to total assets | 82.6807% | 3,902 |
| Equity capital to assets | 11.9981% | 2,294 |
| Core capital (leverage) ratio | 10.8859% | 2,682 |
| Tier 1 risk-based capital ratio | 21.6005% | 1,374 |
| Total risk-based capital ratio | 22.5605% | 1,383 |
| Memoranda: | ||
| Average total assets | $92,672,600 | 5,273 |
| Average earning assets | $84,517,400 | 5,290 |
| Average equity | $14,233,800 | 4,286 |
| Average total loans | $26,369,200 | 6,940 |