Home > Cullman Savings Bank > Performance and Condition Ratios
Cullman Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 1,919 |
| Cost of funding earning assets | 1.1391% | 2,960 |
| Net interest margin | 3.9331% | 1,310 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.6566% | 1,855 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9992% | 2,226 |
| Return on assets (ROA) | 1.0011% | 2,201 |
| Pretax return on assets | 1.2814% | 1,922 |
| Return on Equity (ROE) | 5.6200% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.2739% | 2,871 |
| Net charge-offs to loans | -0.0054% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.3107% | 2,309 |
| Assets per employee ($millions) | 7.1934% | 1,939 |
| Cash dividends to net income (ytd only)* | 24.0096% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 3,491 |
| Loan loss allowance to noncurrent loans | 2,255.8621% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,399 |
| Noncurrent loans to loans | 0.0426% | 3,418 |
| Net loans and leases to total assets | 82.3100% | 402 |
| Net loans and leases to deposits | 116.2732% | 112 |
| Net loans and leases to core deposits | 132.6826% | 363 |
| Total domestic deposits to total assets | 70.7900% | 4,265 |
| Equity capital to assets | 18.5812% | 321 |
| Core capital (leverage) ratio | 19.0433% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $416,028,200 | 1,967 |
| Average earning assets | $383,642,000 | 1,968 |
| Average equity | $74,054,400 | 1,195 |
| Average total loans | $336,335,000 | 1,659 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 1,829 |
| Cost of funding earning assets | 1.0511% | 2,886 |
| Net interest margin | 3.9473% | 1,307 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.6556% | 1,783 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0474% | 2,226 |
| Return on assets (ROA) | 1.0500% | 2,207 |
| Pretax return on assets | 1.3581% | 1,873 |
| Return on Equity (ROE) | 5.9600% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.9628% | 2,647 |
| Net charge-offs to loans | -0.0008% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9686% | 2,281 |
| Assets per employee ($millions) | 7.4277% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 3,781 |
| Loan loss allowance to noncurrent loans | 1,950.6494% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,430 |
| Noncurrent loans to loans | 0.0454% | 3,433 |
| Net loans and leases to total assets | 80.9100% | 550 |
| Net loans and leases to deposits | 113.4314% | 141 |
| Net loans and leases to core deposits | 128.0152% | 367 |
| Total domestic deposits to total assets | 71.3300% | 4,281 |
| Equity capital to assets | 18.0127% | 342 |
| Core capital (leverage) ratio | 18.6440% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $417,529,750 | 1,963 |
| Average earning assets | $385,876,500 | 1,963 |
| Average equity | $73,521,250 | 1,196 |
| Average total loans | $335,233,750 | 1,659 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 1,840 |
| Cost of funding earning assets | 0.9498% | 2,770 |
| Net interest margin | 3.9183% | 1,390 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6575% | 1,761 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0344% | 2,302 |
| Return on assets (ROA) | 1.0329% | 2,308 |
| Pretax return on assets | 1.3443% | 1,954 |
| Return on Equity (ROE) | 5.9100% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.9107% | 2,657 |
| Net charge-offs to loans | -0.0012% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0052% | 2,237 |
| Assets per employee ($millions) | 7.1787% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,696 |
| Loan loss allowance to noncurrent loans | 1,447.4419% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,263 |
| Noncurrent loans to loans | 0.0640% | 3,246 |
| Net loans and leases to total assets | 79.9100% | 636 |
| Net loans and leases to deposits | 111.4856% | 179 |
| Net loans and leases to core deposits | 125.0291% | 410 |
| Total domestic deposits to total assets | 71.6800% | 4,307 |
| Equity capital to assets | 17.8601% | 349 |
| Core capital (leverage) ratio | 18.4408% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $418,056,000 | 1,960 |
| Average earning assets | $386,805,000 | 1,956 |
| Average equity | $73,053,667 | 1,196 |
| Average total loans | $333,796,000 | 1,656 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 1,626 |
| Cost of funding earning assets | 0.8064% | 2,710 |
| Net interest margin | 3.9907% | 1,278 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.5896% | 1,982 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0096% | 2,502 |
| Return on assets (ROA) | 1.0179% | 2,440 |
| Pretax return on assets | 1.3607% | 1,985 |
| Return on Equity (ROE) | 5.8900% | 3,737 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,790 |
| Net charge-offs to loans | 0.0132% | 1,460 |
| Credit loss provision to net charge-offs | 672.7273% | 471 |
| Earnings coverage of net charge-offs (x) | 135.2727% | 648 |
| Efficiency ratio | 64.5714% | 2,376 |
| Assets per employee ($millions) | 7.0508% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 3,793 |
| Loan loss allowance to noncurrent loans | 5,926.9231% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,512 |
| Noncurrent loans to loans | 0.0156% | 3,691 |
| Net loans and leases to total assets | 79.6300% | 577 |
| Net loans and leases to deposits | 110.5219% | 175 |
| Net loans and leases to core deposits | 123.2891% | 379 |
| Total domestic deposits to total assets | 72.0500% | 4,357 |
| Equity capital to assets | 17.5803% | 320 |
| Core capital (leverage) ratio | 18.1774% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $418,902,000 | 1,979 |
| Average earning assets | $387,902,000 | 1,976 |
| Average equity | $72,399,000 | 1,219 |
| Average total loans | $332,778,000 | 1,674 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 578 |
| Cost of funding earning assets | 0.4141% | 1,982 |
| Net interest margin | 4.2205% | 506 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.7705% | 1,379 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1539% | 1,954 |
| Return on assets (ROA) | 1.1419% | 1,945 |
| Pretax return on assets | 1.4463% | 1,626 |
| Return on Equity (ROE) | 6.2200% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.2153% | 2,566 |
| Net charge-offs to loans | 0.0010% | 2,542 |
| Credit loss provision to net charge-offs | 14,600.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 2,009.0000% | 87 |
| Efficiency ratio | 63.7408% | 2,532 |
| Assets per employee ($millions) | 7.1492% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 3,900 |
| Loan loss allowance to noncurrent loans | 966.3265% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 2,985 |
| Noncurrent loans to loans | 0.0888% | 3,123 |
| Net loans and leases to total assets | 77.8500% | 810 |
| Net loans and leases to deposits | 103.4739% | 320 |
| Net loans and leases to core deposits | 117.5967% | 412 |
| Total domestic deposits to total assets | 75.2400% | 4,300 |
| Equity capital to assets | 16.9898% | 334 |
| Core capital (leverage) ratio | 17.7516% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $382,426,600 | 2,095 |
| Average earning assets | $356,639,200 | 2,081 |
| Average equity | $70,262,600 | 1,246 |
| Average total loans | $297,468,400 | 1,730 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 462 |
| Cost of funding earning assets | 0.3137% | 2,023 |
| Net interest margin | 4.2398% | 386 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.6993% | 1,478 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.2235% | 1,617 |
| Return on assets (ROA) | 1.2181% | 1,613 |
| Pretax return on assets | 1.5781% | 1,180 |
| Return on Equity (ROE) | 6.4900% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.4918% | 2,554 |
| Net charge-offs to loans | -0.0009% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5906% | 2,879 |
| Assets per employee ($millions) | 6.9721% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 4,043 |
| Loan loss allowance to noncurrent loans | 723.1806% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,828 |
| Noncurrent loans to loans | 0.1136% | 3,079 |
| Net loans and leases to total assets | 80.1300% | 520 |
| Net loans and leases to deposits | 104.2802% | 233 |
| Net loans and leases to core deposits | 118.0879% | 293 |
| Total domestic deposits to total assets | 76.8400% | 4,329 |
| Equity capital to assets | 17.2727% | 305 |
| Core capital (leverage) ratio | 18.7821% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $372,582,000 | 2,140 |
| Average earning assets | $348,467,500 | 2,131 |
| Average equity | $69,912,250 | 1,266 |
| Average total loans | $289,027,500 | 1,771 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 367 |
| Cost of funding earning assets | 0.3019% | 1,695 |
| Net interest margin | 4.2145% | 326 |
| Noninterest income to average assets | 0.4387% | 2,514 |
| Noninterest expense to average assets | 2.6073% | 1,617 |
| Loan and lease loss provision to assets | 0.0856% | 1,158 |
| Net operating income to assets | 1.3447% | 1,035 |
| Return on assets (ROA) | 1.3421% | 1,020 |
| Pretax return on assets | 1.6912% | 769 |
| Return on Equity (ROE) | 6.9466% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.9466% | 2,006 |
| Net charge-offs to loans | -0.0014% | 3,074 |
| Credit loss provision to net charge-offs | -7,750.0000% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4258% | 3,376 |
| Assets per employee ($millions) | 6.3650% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,124 |
| Loan loss allowance to noncurrent loans | 1,553.3333% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,308 |
| Noncurrent loans to loans | 0.0535% | 3,546 |
| Net loans and leases to total assets | 80.0879% | 397 |
| Net loans and leases to deposits | 100.6794% | 251 |
| Net loans and leases to core deposits | 114.1719% | 278 |
| Total domestic deposits to total assets | 79.5475% | 4,263 |
| Equity capital to assets | 18.3226% | 213 |
| Core capital (leverage) ratio | 19.0267% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,981,333 | 2,190 |
| Average earning assets | $339,162,000 | 2,188 |
| Average equity | $69,933,667 | 1,291 |
| Average total loans | $276,465,000 | 1,821 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 425 |
| Cost of funding earning assets | 0.3229% | 1,435 |
| Net interest margin | 3.9937% | 422 |
| Noninterest income to average assets | 0.4420% | 2,434 |
| Noninterest expense to average assets | 2.5805% | 1,665 |
| Loan and lease loss provision to assets | 0.0455% | 1,547 |
| Net operating income to assets | 1.2114% | 1,223 |
| Return on assets (ROA) | 1.2033% | 1,230 |
| Pretax return on assets | 1.5579% | 906 |
| Return on Equity (ROE) | 6.0589% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,233 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5280% | 3,324 |
| Assets per employee ($millions) | 6.2749% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,009 |
| Loan loss allowance to noncurrent loans | 18,815.3846% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,794 |
| Noncurrent loans to loans | 0.0048% | 4,003 |
| Net loans and leases to total assets | 75.6606% | 530 |
| Net loans and leases to deposits | 97.0714% | 253 |
| Net loans and leases to core deposits | 111.8047% | 224 |
| Total domestic deposits to total assets | 77.9432% | 4,411 |
| Equity capital to assets | 19.8669% | 166 |
| Core capital (leverage) ratio | 20.5192% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,022,500 | 2,246 |
| Average earning assets | $330,722,500 | 2,233 |
| Average equity | $69,913,500 | 1,334 |
| Average total loans | $260,488,500 | 1,887 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 1,243 |
| Cost of funding earning assets | 0.5579% | 679 |
| Net interest margin | 3.4940% | 1,754 |
| Noninterest income to average assets | 0.4071% | 3,011 |
| Noninterest expense to average assets | 2.5721% | 1,949 |
| Loan and lease loss provision to assets | 0.0170% | 2,734 |
| Net operating income to assets | 0.8734% | 3,126 |
| Return on assets (ROA) | 0.8734% | 3,189 |
| Pretax return on assets | 1.0938% | 2,991 |
| Return on Equity (ROE) | 5.2032% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.2032% | 2,711 |
| Net charge-offs to loans | 0.0062% | 2,354 |
| Credit loss provision to net charge-offs | 400.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 260.6667% | 451 |
| Efficiency ratio | 69.8372% | 1,755 |
| Assets per employee ($millions) | 7.0530% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 3,926 |
| Loan loss allowance to noncurrent loans | 832.5260% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 2,583 |
| Noncurrent loans to loans | 0.1144% | 3,354 |
| Net loans and leases to total assets | 70.9649% | 926 |
| Net loans and leases to deposits | 97.5749% | 265 |
| Net loans and leases to core deposits | 118.0005% | 179 |
| Total domestic deposits to total assets | 72.7286% | 4,626 |
| Equity capital to assets | 19.8541% | 184 |
| Core capital (leverage) ratio | 18.8328% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,969,600 | 2,188 |
| Average earning assets | $329,995,000 | 2,187 |
| Average equity | $59,079,200 | 1,529 |
| Average total loans | $241,830,600 | 1,984 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 1,417 |
| Cost of funding earning assets | 0.5758% | 718 |
| Net interest margin | 3.4781% | 1,931 |
| Noninterest income to average assets | 0.4154% | 3,005 |
| Noninterest expense to average assets | 2.4998% | 2,121 |
| Loan and lease loss provision to assets | 0.0094% | 2,803 |
| Net operating income to assets | 0.9088% | 3,218 |
| Return on assets (ROA) | 0.9088% | 3,295 |
| Pretax return on assets | 1.1635% | 3,037 |
| Return on Equity (ROE) | 5.6744% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.6744% | 2,966 |
| Net charge-offs to loans | 0.0045% | 2,173 |
| Credit loss provision to net charge-offs | 312.5000% | 982 |
| Earnings coverage of net charge-offs (x) | 386.8750% | 359 |
| Efficiency ratio | 68.0632% | 1,825 |
| Assets per employee ($millions) | 7.1334% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,911 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 3,118 |
| Noncurrent loans to loans | 0.0598% | 3,802 |
| Net loans and leases to total assets | 64.7204% | 1,690 |
| Net loans and leases to deposits | 92.2648% | 483 |
| Net loans and leases to core deposits | 111.5752% | 295 |
| Total domestic deposits to total assets | 70.1464% | 4,728 |
| Equity capital to assets | 18.6385% | 245 |
| Core capital (leverage) ratio | 18.6978% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,799,000 | 2,206 |
| Average earning assets | $329,483,000 | 2,212 |
| Average equity | $56,345,000 | 1,614 |
| Average total loans | $239,122,000 | 2,031 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 1,258 |
| Cost of funding earning assets | 0.6085% | 718 |
| Net interest margin | 3.5456% | 1,731 |
| Noninterest income to average assets | 0.4267% | 2,970 |
| Noninterest expense to average assets | 2.4903% | 2,178 |
| Loan and lease loss provision to assets | 0.0145% | 2,663 |
| Net operating income to assets | 0.9814% | 2,958 |
| Return on assets (ROA) | 0.9814% | 3,048 |
| Pretax return on assets | 1.2385% | 2,808 |
| Return on Equity (ROE) | 6.5091% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.5091% | 2,620 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5275% | 2,082 |
| Assets per employee ($millions) | 7.3396% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 3,895 |
| Loan loss allowance to noncurrent loans | 534.9776% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,911 |
| Noncurrent loans to loans | 0.1827% | 3,309 |
| Net loans and leases to total assets | 64.5813% | 1,882 |
| Net loans and leases to deposits | 85.2467% | 962 |
| Net loans and leases to core deposits | 101.3368% | 617 |
| Total domestic deposits to total assets | 75.7581% | 4,573 |
| Equity capital to assets | 14.1844% | 679 |
| Core capital (leverage) ratio | 15.4540% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,419,667 | 2,227 |
| Average earning assets | $323,102,667 | 2,230 |
| Average equity | $52,081,000 | 1,712 |
| Average total loans | $238,012,667 | 2,049 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 1,012 |
| Cost of funding earning assets | 0.5518% | 1,088 |
| Net interest margin | 3.7703% | 1,199 |
| Noninterest income to average assets | 0.3904% | 3,144 |
| Noninterest expense to average assets | 2.6359% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0043% | 2,794 |
| Return on assets (ROA) | 1.0043% | 2,883 |
| Pretax return on assets | 1.2642% | 2,668 |
| Return on Equity (ROE) | 6.4451% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.4451% | 2,749 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5860% | 1,998 |
| Assets per employee ($millions) | 6.9238% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,854 |
| Loan loss allowance to noncurrent loans | 13,888.2353% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 3,493 |
| Noncurrent loans to loans | 0.0072% | 4,288 |
| Net loans and leases to total assets | 70.6343% | 1,202 |
| Net loans and leases to deposits | 100.7671% | 267 |
| Net loans and leases to core deposits | 126.1668% | 183 |
| Total domestic deposits to total assets | 70.0966% | 4,767 |
| Equity capital to assets | 15.6214% | 426 |
| Core capital (leverage) ratio | 15.6046% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,970,000 | 2,282 |
| Average earning assets | $308,091,000 | 2,285 |
| Average equity | $51,574,000 | 1,719 |
| Average total loans | $234,956,000 | 2,064 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 747 |
| Cost of funding earning assets | 0.9715% | 666 |
| Net interest margin | 3.8208% | 1,442 |
| Noninterest income to average assets | 0.4338% | 2,938 |
| Noninterest expense to average assets | 2.4907% | 2,880 |
| Loan and lease loss provision to assets | 0.0478% | 3,800 |
| Net operating income to assets | 1.1404% | 1,763 |
| Return on assets (ROA) | 1.1404% | 1,887 |
| Pretax return on assets | 1.4469% | 1,523 |
| Return on Equity (ROE) | 7.3166% | 3,070 |
| Retained earnings to average equity (ytd only) | 5.2999% | 2,141 |
| Net charge-offs to loans | 0.0037% | 3,235 |
| Credit loss provision to net charge-offs | 1,688.8889% | 503 |
| Earnings coverage of net charge-offs (x) | 528.3333% | 220 |
| Efficiency ratio | 62.4970% | 3,044 |
| Assets per employee ($millions) | 6.5920% | 1,856 |
| Cash dividends to net income (ytd only)* | 27.5634% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,813 |
| Loan loss allowance to noncurrent loans | 1,935.2459% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,428 |
| Noncurrent loans to loans | 0.0524% | 4,081 |
| Net loans and leases to total assets | 69.9163% | 1,573 |
| Net loans and leases to deposits | 104.2705% | 257 |
| Net loans and leases to core deposits | 131.1913% | 189 |
| Total domestic deposits to total assets | 67.0528% | 4,834 |
| Equity capital to assets | 15.5437% | 482 |
| Core capital (leverage) ratio | 15.4900% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,139,000 | 2,201 |
| Average earning assets | $295,725,200 | 2,209 |
| Average equity | $49,585,800 | 1,704 |
| Average total loans | $243,511,800 | 1,948 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 863 |
| Cost of funding earning assets | 1.0358% | 675 |
| Net interest margin | 3.7781% | 1,687 |
| Noninterest income to average assets | 0.4335% | 2,921 |
| Noninterest expense to average assets | 2.5171% | 2,784 |
| Loan and lease loss provision to assets | 0.0644% | 3,531 |
| Net operating income to assets | 1.0780% | 2,052 |
| Return on assets (ROA) | 1.0780% | 2,187 |
| Pretax return on assets | 1.3630% | 1,843 |
| Return on Equity (ROE) | 6.9113% | 3,231 |
| Retained earnings to average equity (ytd only) | 6.9113% | 1,738 |
| Net charge-offs to loans | 0.0103% | 2,734 |
| Credit loss provision to net charge-offs | 800.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 177.6316% | 527 |
| Efficiency ratio | 63.8147% | 2,765 |
| Assets per employee ($millions) | 6.6178% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,763 |
| Loan loss allowance to noncurrent loans | 734.6875% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 3,375 |
| Noncurrent loans to loans | 0.1341% | 3,843 |
| Net loans and leases to total assets | 72.8747% | 1,525 |
| Net loans and leases to deposits | 109.6809% | 232 |
| Net loans and leases to core deposits | 139.1812% | 169 |
| Total domestic deposits to total assets | 66.4425% | 4,840 |
| Equity capital to assets | 15.6997% | 509 |
| Core capital (leverage) ratio | 15.5436% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,273,750 | 2,195 |
| Average earning assets | $292,983,250 | 2,200 |
| Average equity | $49,174,250 | 1,707 |
| Average total loans | $246,188,500 | 1,943 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 986 |
| Cost of funding earning assets | 1.0075% | 969 |
| Net interest margin | 3.8863% | 1,604 |
| Noninterest income to average assets | 0.4317% | 2,897 |
| Noninterest expense to average assets | 2.4812% | 3,017 |
| Loan and lease loss provision to assets | 0.0974% | 3,058 |
| Net operating income to assets | 1.1484% | 1,807 |
| Return on assets (ROA) | 1.1484% | 1,934 |
| Pretax return on assets | 1.4526% | 1,585 |
| Return on Equity (ROE) | 7.3793% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.3793% | 1,512 |
| Net charge-offs to loans | 0.0153% | 2,438 |
| Credit loss provision to net charge-offs | 800.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 127.3684% | 599 |
| Efficiency ratio | 61.5507% | 3,193 |
| Assets per employee ($millions) | 6.8582% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 3,818 |
| Loan loss allowance to noncurrent loans | 1,382.9412% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,683 |
| Noncurrent loans to loans | 0.0683% | 4,189 |
| Net loans and leases to total assets | 74.8878% | 1,289 |
| Net loans and leases to deposits | 115.7045% | 134 |
| Net loans and leases to core deposits | 150.4222% | 108 |
| Total domestic deposits to total assets | 64.7233% | 4,907 |
| Equity capital to assets | 15.1479% | 599 |
| Core capital (leverage) ratio | 15.3034% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,274,000 | 2,186 |
| Average earning assets | $289,218,333 | 2,191 |
| Average equity | $48,595,667 | 1,715 |
| Average total loans | $248,696,667 | 1,913 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 857 |
| Cost of funding earning assets | 1.0615% | 1,176 |
| Net interest margin | 4.0014% | 1,393 |
| Noninterest income to average assets | 0.4740% | 2,684 |
| Noninterest expense to average assets | 2.6766% | 2,763 |
| Loan and lease loss provision to assets | 0.1448% | 1,942 |
| Net operating income to assets | 1.0836% | 1,892 |
| Return on assets (ROA) | 1.0836% | 1,997 |
| Pretax return on assets | 1.3548% | 1,702 |
| Return on Equity (ROE) | 6.8640% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.8640% | 1,590 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0921% | 3,221 |
| Assets per employee ($millions) | 6.3473% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 3,966 |
| Loan loss allowance to noncurrent loans | 521.9731% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,389 |
| Noncurrent loans to loans | 0.1803% | 3,827 |
| Net loans and leases to total assets | 78.7815% | 864 |
| Net loans and leases to deposits | 124.2566% | 64 |
| Net loans and leases to core deposits | 165.6821% | 70 |
| Total domestic deposits to total assets | 63.4023% | 5,003 |
| Equity capital to assets | 15.4956% | 677 |
| Core capital (leverage) ratio | 16.0034% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,813,500 | 2,187 |
| Average earning assets | $281,100,000 | 2,191 |
| Average equity | $47,960,500 | 1,723 |
| Average total loans | $248,606,000 | 1,870 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 986 |
| Cost of funding earning assets | 1.1365% | 1,205 |
| Net interest margin | 4.0657% | 1,635 |
| Noninterest income to average assets | 0.4733% | 2,886 |
| Noninterest expense to average assets | 2.5916% | 3,198 |
| Loan and lease loss provision to assets | 0.0185% | 3,640 |
| Net operating income to assets | 1.2812% | 1,761 |
| Return on assets (ROA) | 1.2820% | 1,840 |
| Pretax return on assets | 1.6292% | 1,403 |
| Return on Equity (ROE) | 8.2277% | 3,073 |
| Retained earnings to average equity (ytd only) | 6.0705% | 1,828 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1468% | 3,517 |
| Assets per employee ($millions) | 6.0533% | 1,596 |
| Cash dividends to net income (ytd only)* | 26.2192% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 4,015 |
| Loan loss allowance to noncurrent loans | 1,618.9781% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 3,770 |
| Noncurrent loans to loans | 0.0548% | 4,325 |
| Net loans and leases to total assets | 83.4908% | 374 |
| Net loans and leases to deposits | 128.1446% | 50 |
| Net loans and leases to core deposits | 171.7446% | 62 |
| Total domestic deposits to total assets | 65.1536% | 5,037 |
| Equity capital to assets | 16.0908% | 586 |
| Core capital (leverage) ratio | 15.8645% | 544 |
| Tier 1 risk-based capital ratio | 21.4064% | 1,097 |
| Total risk-based capital ratio | 22.4021% | 1,116 |
| Memoranda: | ||
| Average total assets | $297,504,600 | 2,172 |
| Average earning assets | $275,501,200 | 2,176 |
| Average equity | $46,355,400 | 1,709 |
| Average total loans | $246,455,800 | 1,848 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 1,068 |
| Cost of funding earning assets | 1.1382% | 1,216 |
| Net interest margin | 4.0489% | 1,770 |
| Noninterest income to average assets | 0.4501% | 3,020 |
| Noninterest expense to average assets | 2.5808% | 3,215 |
| Loan and lease loss provision to assets | 0.0134% | 3,632 |
| Net operating income to assets | 1.2732% | 1,940 |
| Return on assets (ROA) | 1.2732% | 2,020 |
| Pretax return on assets | 1.6059% | 1,614 |
| Return on Equity (ROE) | 8.2381% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.2381% | 1,302 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4458% | 3,413 |
| Assets per employee ($millions) | 6.4126% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,063 |
| Loan loss allowance to noncurrent loans | 3,781.0345% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,088 |
| Noncurrent loans to loans | 0.0237% | 4,571 |
| Net loans and leases to total assets | 80.5732% | 767 |
| Net loans and leases to deposits | 122.0815% | 80 |
| Net loans and leases to core deposits | 162.1779% | 81 |
| Total domestic deposits to total assets | 65.9995% | 5,096 |
| Equity capital to assets | 15.8202% | 672 |
| Core capital (leverage) ratio | 15.7983% | 584 |
| Tier 1 risk-based capital ratio | 22.0608% | 1,064 |
| Total risk-based capital ratio | 23.0801% | 1,067 |
| Memoranda: | ||
| Average total assets | $297,728,250 | 2,191 |
| Average earning assets | $275,752,250 | 2,187 |
| Average equity | $46,012,500 | 1,720 |
| Average total loans | $245,604,750 | 1,862 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 1,018 |
| Cost of funding earning assets | 1.1157% | 1,239 |
| Net interest margin | 4.0658% | 1,711 |
| Noninterest income to average assets | 0.3946% | 3,302 |
| Noninterest expense to average assets | 2.5605% | 3,301 |
| Loan and lease loss provision to assets | 0.0202% | 3,389 |
| Net operating income to assets | 1.2620% | 1,908 |
| Return on assets (ROA) | 1.2620% | 1,976 |
| Pretax return on assets | 1.5797% | 1,606 |
| Return on Equity (ROE) | 8.2321% | 3,181 |
| Retained earnings to average equity (ytd only) | 8.2321% | 1,302 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5435% | 3,499 |
| Assets per employee ($millions) | 6.2184% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,191.8478% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,251 |
| Noncurrent loans to loans | 0.0751% | 4,339 |
| Net loans and leases to total assets | 81.3105% | 694 |
| Net loans and leases to deposits | 122.8900% | 66 |
| Net loans and leases to core deposits | 166.2702% | 81 |
| Total domestic deposits to total assets | 66.1652% | 5,149 |
| Equity capital to assets | 15.6304% | 682 |
| Core capital (leverage) ratio | 15.7050% | 588 |
| Tier 1 risk-based capital ratio | 21.5513% | 1,112 |
| Total risk-based capital ratio | 22.5683% | 1,121 |
| Memoranda: | ||
| Average total assets | $296,506,670 | 2,201 |
| Average earning assets | $274,633,330 | 2,195 |
| Average equity | $45,456,330 | 1,729 |
| Average total loans | $245,794,670 | 1,869 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 960 |
| Cost of funding earning assets | 1.0822% | 1,245 |
| Net interest margin | 4.0877% | 1,582 |
| Noninterest income to average assets | 0.3722% | 3,367 |
| Noninterest expense to average assets | 2.5339% | 3,409 |
| Loan and lease loss provision to assets | 0.0406% | 2,815 |
| Net operating income to assets | 1.2926% | 1,724 |
| Return on assets (ROA) | 1.2926% | 1,764 |
| Pretax return on assets | 1.5864% | 1,508 |
| Return on Equity (ROE) | 8.5159% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.5159% | 1,485 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8979% | 3,692 |
| Assets per employee ($millions) | 6.3564% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,220 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,310 |
| Noncurrent loans to loans | 0.0520% | 4,529 |
| Net loans and leases to total assets | 82.2901% | 560 |
| Net loans and leases to deposits | 123.5792% | 66 |
| Net loans and leases to core deposits | 166.0538% | 74 |
| Total domestic deposits to total assets | 66.5890% | 5,205 |
| Equity capital to assets | 15.2235% | 708 |
| Core capital (leverage) ratio | 15.3720% | 622 |
| Tier 1 risk-based capital ratio | 20.8457% | 1,186 |
| Total risk-based capital ratio | 21.8495% | 1,207 |
| Memoranda: | ||
| Average total assets | $295,518,500 | 2,223 |
| Average earning assets | $273,893,500 | 2,211 |
| Average equity | $44,857,500 | 1,738 |
| Average total loans | $246,246,500 | 1,882 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 884 |
| Cost of funding earning assets | 0.9371% | 974 |
| Net interest margin | 4.1453% | 1,541 |
| Noninterest income to average assets | 0.3020% | 4,082 |
| Noninterest expense to average assets | 2.3946% | 3,893 |
| Loan and lease loss provision to assets | 0.0285% | 3,604 |
| Net operating income to assets | 1.3358% | 1,668 |
| Return on assets (ROA) | 1.3358% | 1,652 |
| Pretax return on assets | 1.7015% | 1,165 |
| Return on Equity (ROE) | 9.0869% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.7551% | 1,783 |
| Net charge-offs to loans | -0.0043% | 4,327 |
| Credit loss provision to net charge-offs | -830.0000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0570% | 4,151 |
| Assets per employee ($millions) | 6.4953% | 1,216 |
| Cash dividends to net income (ytd only)* | 25.6608% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,229 |
| Loan loss allowance to noncurrent loans | 448.7552% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,785 |
| Noncurrent loans to loans | 0.1972% | 3,872 |
| Net loans and leases to total assets | 82.8963% | 525 |
| Net loans and leases to deposits | 124.0387% | 71 |
| Net loans and leases to core deposits | 166.7959% | 71 |
| Total domestic deposits to total assets | 66.8310% | 5,230 |
| Equity capital to assets | 15.1340% | 684 |
| Core capital (leverage) ratio | 15.1750% | 656 |
| Tier 1 risk-based capital ratio | 20.5534% | 1,215 |
| Total risk-based capital ratio | 21.5508% | 1,233 |
| Memoranda: | ||
| Average total assets | $291,739,400 | 2,200 |
| Average earning assets | $269,027,200 | 2,203 |
| Average equity | $42,886,000 | 1,741 |
| Average total loans | $233,550,600 | 1,919 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 881 |
| Cost of funding earning assets | 0.9153% | 862 |
| Net interest margin | 4.1150% | 1,587 |
| Noninterest income to average assets | 0.4700% | 3,040 |
| Noninterest expense to average assets | 2.4691% | 3,679 |
| Loan and lease loss provision to assets | 0.0343% | 3,326 |
| Net operating income to assets | 1.3786% | 1,558 |
| Return on assets (ROA) | 1.3786% | 1,562 |
| Pretax return on assets | 1.7571% | 1,119 |
| Return on Equity (ROE) | 9.4478% | 2,875 |
| Retained earnings to average equity (ytd only) | 9.4478% | 1,061 |
| Net charge-offs to loans | -0.0064% | 4,274 |
| Credit loss provision to net charge-offs | -681.8182% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9524% | 4,134 |
| Assets per employee ($millions) | 6.2736% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 4,238 |
| Loan loss allowance to noncurrent loans | 310.2158% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 3,367 |
| Noncurrent loans to loans | 0.2923% | 3,634 |
| Net loans and leases to total assets | 79.9000% | 1,035 |
| Net loans and leases to deposits | 119.1891% | 110 |
| Net loans and leases to core deposits | 159.3984% | 92 |
| Total domestic deposits to total assets | 67.0363% | 5,305 |
| Equity capital to assets | 14.9036% | 746 |
| Core capital (leverage) ratio | 15.0222% | 698 |
| Tier 1 risk-based capital ratio | 21.5469% | 1,109 |
| Total risk-based capital ratio | 22.5900% | 1,117 |
| Memoranda: | ||
| Average total assets | $291,602,250 | 2,211 |
| Average earning assets | $268,604,500 | 2,220 |
| Average equity | $42,548,750 | 1,763 |
| Average total loans | $230,823,500 | 1,948 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 874 |
| Cost of funding earning assets | 0.8979% | 739 |
| Net interest margin | 4.0715% | 1,641 |
| Noninterest income to average assets | 0.4310% | 3,290 |
| Noninterest expense to average assets | 2.4308% | 3,820 |
| Loan and lease loss provision to assets | 0.0234% | 3,452 |
| Net operating income to assets | 1.3535% | 1,591 |
| Return on assets (ROA) | 1.3535% | 1,598 |
| Pretax return on assets | 1.7197% | 1,168 |
| Return on Equity (ROE) | 9.3434% | 2,872 |
| Retained earnings to average equity (ytd only) | 9.3434% | 1,111 |
| Net charge-offs to loans | -0.0114% | 4,362 |
| Credit loss provision to net charge-offs | -261.5385% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2055% | 4,197 |
| Assets per employee ($millions) | 6.1285% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,321 |
| Loan loss allowance to noncurrent loans | 256.6061% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,508 |
| Noncurrent loans to loans | 0.3523% | 3,436 |
| Net loans and leases to total assets | 77.2863% | 1,428 |
| Net loans and leases to deposits | 113.5461% | 204 |
| Net loans and leases to core deposits | 150.3894% | 117 |
| Total domestic deposits to total assets | 68.0661% | 5,336 |
| Equity capital to assets | 14.3216% | 855 |
| Core capital (leverage) ratio | 14.7942% | 718 |
| Tier 1 risk-based capital ratio | 21.2458% | 1,136 |
| Total risk-based capital ratio | 22.2808% | 1,141 |
| Memoranda: | ||
| Average total assets | $290,516,000 | 2,228 |
| Average earning assets | $267,073,000 | 2,232 |
| Average equity | $42,083,330 | 1,787 |
| Average total loans | $228,514,670 | 1,962 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 819 |
| Cost of funding earning assets | 0.8895% | 630 |
| Net interest margin | 4.0400% | 1,594 |
| Noninterest income to average assets | 0.4159% | 3,346 |
| Noninterest expense to average assets | 2.4578% | 3,789 |
| Loan and lease loss provision to assets | 0.0140% | 3,347 |
| Net operating income to assets | 1.3122% | 1,601 |
| Return on assets (ROA) | 1.3122% | 1,609 |
| Pretax return on assets | 1.6525% | 1,236 |
| Return on Equity (ROE) | 9.0050% | 2,907 |
| Retained earnings to average equity (ytd only) | 9.0050% | 1,459 |
| Net charge-offs to loans | 0.0160% | 2,201 |
| Credit loss provision to net charge-offs | 111.1111% | 1,444 |
| Earnings coverage of net charge-offs (x) | 132.2222% | 490 |
| Efficiency ratio | 59.5586% | 4,120 |
| Assets per employee ($millions) | 5.8913% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,397 |
| Loan loss allowance to noncurrent loans | 211.5424% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 2,151 |
| Noncurrent loans to loans | 0.4308% | 3,245 |
| Net loans and leases to total assets | 77.9990% | 1,238 |
| Net loans and leases to deposits | 115.9272% | 158 |
| Net loans and leases to core deposits | 154.5010% | 103 |
| Total domestic deposits to total assets | 67.2827% | 5,437 |
| Equity capital to assets | 14.5424% | 766 |
| Core capital (leverage) ratio | 14.9732% | 661 |
| Tier 1 risk-based capital ratio | 21.2210% | 1,174 |
| Total risk-based capital ratio | 22.2571% | 1,182 |
| Memoranda: | ||
| Average total assets | $285,626,500 | 2,277 |
| Average earning assets | $262,175,000 | 2,286 |
| Average equity | $41,621,500 | 1,813 |
| Average total loans | $225,670,000 | 1,995 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 745 |
| Cost of funding earning assets | 0.9310% | 319 |
| Net interest margin | 3.9997% | 1,758 |
| Noninterest income to average assets | 0.4738% | 3,163 |
| Noninterest expense to average assets | 2.5350% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9573% | 2,413 |
| Return on assets (ROA) | 0.9573% | 2,448 |
| Pretax return on assets | 1.6069% | 1,265 |
| Return on Equity (ROE) | 6.6148% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.1567% | 2,676 |
| Net charge-offs to loans | 0.0192% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 105.0465% | 626 |
| Efficiency ratio | 61.1784% | 4,084 |
| Assets per employee ($millions) | 6.0123% | 1,509 |
| Cash dividends to net income (ytd only)* | 37.1609% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 4,352 |
| Loan loss allowance to noncurrent loans | 159.2308% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 2,085 |
| Noncurrent loans to loans | 0.5801% | 2,766 |
| Net loans and leases to total assets | 78.5749% | 1,207 |
| Net loans and leases to deposits | 117.5938% | 135 |
| Net loans and leases to core deposits | 157.0376% | 98 |
| Total domestic deposits to total assets | 66.8190% | 5,500 |
| Equity capital to assets | 14.6022% | 755 |
| Core capital (leverage) ratio | 14.7805% | 665 |
| Tier 1 risk-based capital ratio | 21.1577% | 1,123 |
| Total risk-based capital ratio | 22.2141% | 1,132 |
| Memoranda: | ||
| Average total assets | $281,107,200 | 2,283 |
| Average earning assets | $257,792,800 | 2,292 |
| Average equity | $40,681,600 | 1,825 |
| Average total loans | $224,354,600 | 1,971 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 726 |
| Cost of funding earning assets | 0.9453% | 264 |
| Net interest margin | 3.9762% | 1,786 |
| Noninterest income to average assets | 0.4469% | 3,352 |
| Noninterest expense to average assets | 2.5803% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0187% | 2,480 |
| Return on assets (ROA) | 1.0187% | 2,515 |
| Pretax return on assets | 1.5145% | 1,721 |
| Return on Equity (ROE) | 7.0552% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.0552% | 1,662 |
| Net charge-offs to loans | 0.0255% | 2,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 74.1652% | 860 |
| Efficiency ratio | 62.9784% | 3,712 |
| Assets per employee ($millions) | 5.9976% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,450 |
| Loan loss allowance to noncurrent loans | 155.0562% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 1,428 |
| Noncurrent loans to loans | 0.5960% | 2,925 |
| Net loans and leases to total assets | 78.7296% | 1,160 |
| Net loans and leases to deposits | 118.5945% | 121 |
| Net loans and leases to core deposits | 158.5861% | 91 |
| Total domestic deposits to total assets | 66.3856% | 5,578 |
| Equity capital to assets | 14.7901% | 784 |
| Core capital (leverage) ratio | 14.8327% | 694 |
| Tier 1 risk-based capital ratio | 21.0518% | 1,186 |
| Total risk-based capital ratio | 22.0979% | 1,191 |
| Memoranda: | ||
| Average total assets | $280,739,000 | 2,300 |
| Average earning assets | $257,556,250 | 2,312 |
| Average equity | $40,536,250 | 1,847 |
| Average total loans | $224,416,500 | 1,974 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 688 |
| Cost of funding earning assets | 0.9203% | 270 |
| Net interest margin | 3.9835% | 1,660 |
| Noninterest income to average assets | 0.4530% | 3,335 |
| Noninterest expense to average assets | 2.5339% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0565% | 2,179 |
| Return on assets (ROA) | 1.0565% | 2,219 |
| Pretax return on assets | 1.5751% | 1,417 |
| Return on Equity (ROE) | 7.3771% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.3771% | 1,413 |
| Net charge-offs to loans | 0.0374% | 2,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 52.5714% | 1,039 |
| Efficiency ratio | 61.6319% | 4,064 |
| Assets per employee ($millions) | 6.0689% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,553 |
| Loan loss allowance to noncurrent loans | 102.9324% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 1,510 |
| Noncurrent loans to loans | 0.8944% | 2,187 |
| Net loans and leases to total assets | 78.1416% | 1,226 |
| Net loans and leases to deposits | 119.4457% | 100 |
| Net loans and leases to core deposits | 161.1429% | 88 |
| Total domestic deposits to total assets | 65.4202% | 5,644 |
| Equity capital to assets | 14.3877% | 858 |
| Core capital (leverage) ratio | 14.4142% | 760 |
| Tier 1 risk-based capital ratio | 20.5848% | 1,261 |
| Total risk-based capital ratio | 21.6251% | 1,268 |
| Memoranda: | ||
| Average total assets | $280,357,000 | 2,313 |
| Average earning assets | $257,308,330 | 2,323 |
| Average equity | $40,151,330 | 1,863 |
| Average total loans | $224,556,330 | 1,979 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 642 |
| Cost of funding earning assets | 0.9141% | 256 |
| Net interest margin | 3.9795% | 1,522 |
| Noninterest income to average assets | 0.4563% | 3,280 |
| Noninterest expense to average assets | 2.6655% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9801% | 2,390 |
| Return on assets (ROA) | 0.9801% | 2,439 |
| Pretax return on assets | 1.4436% | 1,721 |
| Return on Equity (ROE) | 6.8602% | 3,463 |
| Retained earnings to average equity (ytd only) | 6.8602% | 1,904 |
| Net charge-offs to loans | 0.0143% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 125.3750% | 437 |
| Efficiency ratio | 64.8687% | 3,683 |
| Assets per employee ($millions) | 6.1478% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,608 |
| Loan loss allowance to noncurrent loans | 94.3523% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3359% | 1,267 |
| Noncurrent loans to loans | 0.9954% | 2,058 |
| Net loans and leases to total assets | 78.5134% | 1,054 |
| Net loans and leases to deposits | 119.9320% | 88 |
| Net loans and leases to core deposits | 162.4726% | 78 |
| Total domestic deposits to total assets | 65.4649% | 5,723 |
| Equity capital to assets | 14.1945% | 848 |
| Core capital (leverage) ratio | 14.5017% | 712 |
| Tier 1 risk-based capital ratio | 20.1717% | 1,357 |
| Total risk-based capital ratio | 21.2286% | 1,367 |
| Memoranda: | ||
| Average total assets | $277,917,500 | 2,339 |
| Average earning assets | $255,107,500 | 2,353 |
| Average equity | $39,707,500 | 1,879 |
| Average total loans | $224,355,000 | 1,993 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 548 |
| Cost of funding earning assets | 0.9219% | 264 |
| Net interest margin | 4.1241% | 1,321 |
| Noninterest income to average assets | 0.4610% | 3,478 |
| Noninterest expense to average assets | 2.5222% | 3,950 |
| Loan and lease loss provision to assets | 0.1127% | 2,185 |
| Net operating income to assets | 1.0514% | 2,135 |
| Return on assets (ROA) | 1.0534% | 2,225 |
| Pretax return on assets | 1.6109% | 1,246 |
| Return on Equity (ROE) | 6.9148% | 3,513 |
| Retained earnings to average equity (ytd only) | 1.8840% | 4,459 |
| Net charge-offs to loans | 0.0336% | 3,356 |
| Credit loss provision to net charge-offs | 414.0845% | 774 |
| Earnings coverage of net charge-offs (x) | 63.2394% | 859 |
| Efficiency ratio | 59.4473% | 4,669 |
| Assets per employee ($millions) | 5.9356% | 1,526 |
| Cash dividends to net income (ytd only)* | 72.7537% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 4,618 |
| Loan loss allowance to noncurrent loans | 76.6969% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 1,244 |
| Noncurrent loans to loans | 1.2268% | 1,675 |
| Net loans and leases to total assets | 81.4753% | 672 |
| Net loans and leases to deposits | 126.1144% | 51 |
| Net loans and leases to core deposits | 160.7604% | 82 |
| Total domestic deposits to total assets | 64.6043% | 5,781 |
| Equity capital to assets | 14.3838% | 771 |
| Core capital (leverage) ratio | 14.4448% | 707 |
| Tier 1 risk-based capital ratio | 19.7104% | 1,437 |
| Total risk-based capital ratio | 20.7652% | 1,437 |
| Memoranda: | ||
| Average total assets | $260,967,600 | 2,433 |
| Average earning assets | $239,298,800 | 2,447 |
| Average equity | $39,755,200 | 1,854 |
| Average total loans | $211,405,600 | 2,036 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 533 |
| Cost of funding earning assets | 0.9209% | 263 |
| Net interest margin | 4.1426% | 1,272 |
| Noninterest income to average assets | 0.4290% | 3,704 |
| Noninterest expense to average assets | 2.5105% | 3,954 |
| Loan and lease loss provision to assets | 0.0982% | 2,261 |
| Net operating income to assets | 1.0560% | 2,169 |
| Return on assets (ROA) | 1.0560% | 2,294 |
| Pretax return on assets | 1.6173% | 1,338 |
| Return on Equity (ROE) | 6.8310% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.8310% | 1,706 |
| Net charge-offs to loans | 0.0448% | 2,750 |
| Credit loss provision to net charge-offs | 271.4286% | 1,130 |
| Earnings coverage of net charge-offs (x) | 47.4148% | 1,121 |
| Efficiency ratio | 59.4056% | 4,632 |
| Assets per employee ($millions) | 6.0755% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,745 |
| Loan loss allowance to noncurrent loans | 66.2492% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 1,736 |
| Noncurrent loans to loans | 1.4059% | 1,563 |
| Net loans and leases to total assets | 78.2003% | 1,159 |
| Net loans and leases to deposits | 118.9511% | 122 |
| Net loans and leases to core deposits | 150.2298% | 124 |
| Total domestic deposits to total assets | 65.7415% | 5,824 |
| Equity capital to assets | 14.9785% | 745 |
| Core capital (leverage) ratio | 15.6522% | 536 |
| Tier 1 risk-based capital ratio | 21.2183% | 1,232 |
| Total risk-based capital ratio | 22.2687% | 1,252 |
| Memoranda: | ||
| Average total assets | $257,950,500 | 2,458 |
| Average earning assets | $236,432,500 | 2,472 |
| Average equity | $39,875,750 | 1,864 |
| Average total loans | $208,114,500 | 2,066 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 483 |
| Cost of funding earning assets | 0.9305% | 246 |
| Net interest margin | 4.1829% | 1,154 |
| Noninterest income to average assets | 0.4383% | 3,608 |
| Noninterest expense to average assets | 2.5562% | 3,873 |
| Loan and lease loss provision to assets | 0.0870% | 2,406 |
| Net operating income to assets | 1.0609% | 2,119 |
| Return on assets (ROA) | 1.0609% | 2,246 |
| Pretax return on assets | 1.6218% | 1,303 |
| Return on Equity (ROE) | 6.7869% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.7869% | 1,720 |
| Net charge-offs to loans | 0.0389% | 2,677 |
| Credit loss provision to net charge-offs | 275.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 942 |
| Efficiency ratio | 59.9332% | 4,649 |
| Assets per employee ($millions) | 5.8568% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,822 |
| Loan loss allowance to noncurrent loans | 84.4828% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 2,089 |
| Noncurrent loans to loans | 1.1061% | 2,082 |
| Net loans and leases to total assets | 80.6341% | 807 |
| Net loans and leases to deposits | 125.8793% | 61 |
| Net loans and leases to core deposits | 162.3860% | 84 |
| Total domestic deposits to total assets | 64.0567% | 5,930 |
| Equity capital to assets | 15.6372% | 597 |
| Core capital (leverage) ratio | 15.5932% | 512 |
| Tier 1 risk-based capital ratio | 21.3215% | 1,220 |
| Total risk-based capital ratio | 22.3692% | 1,234 |
| Memoranda: | ||
| Average total assets | $252,801,330 | 2,509 |
| Average earning assets | $231,277,670 | 2,523 |
| Average equity | $39,517,330 | 1,877 |
| Average total loans | $205,550,000 | 2,092 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 491 |
| Cost of funding earning assets | 0.9214% | 264 |
| Net interest margin | 4.1855% | 1,126 |
| Noninterest income to average assets | 0.4330% | 3,594 |
| Noninterest expense to average assets | 2.5724% | 3,838 |
| Loan and lease loss provision to assets | 0.0799% | 2,361 |
| Net operating income to assets | 1.0561% | 2,066 |
| Return on assets (ROA) | 1.0561% | 2,174 |
| Pretax return on assets | 1.6057% | 1,273 |
| Return on Equity (ROE) | 6.7574% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.7574% | 2,004 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4128% | 4,694 |
| Assets per employee ($millions) | 5.8604% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 4,922 |
| Loan loss allowance to noncurrent loans | 77.6311% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 2,094 |
| Noncurrent loans to loans | 1.2066% | 2,015 |
| Net loans and leases to total assets | 79.5686% | 876 |
| Net loans and leases to deposits | 123.4122% | 74 |
| Net loans and leases to core deposits | 158.4074% | 87 |
| Total domestic deposits to total assets | 64.4739% | 5,991 |
| Equity capital to assets | 15.3243% | 630 |
| Core capital (leverage) ratio | 15.8722% | 490 |
| Tier 1 risk-based capital ratio | 21.1384% | 1,298 |
| Total risk-based capital ratio | 22.1846% | 1,299 |
| Memoranda: | ||
| Average total assets | $250,352,000 | 2,539 |
| Average earning assets | $228,787,500 | 2,563 |
| Average equity | $39,127,500 | 1,888 |
| Average total loans | $203,448,000 | 2,111 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 504 |
| Cost of funding earning assets | 1.1228% | 85 |
| Net interest margin | 3.9886% | 1,752 |
| Noninterest income to average assets | 0.5090% | 3,261 |
| Noninterest expense to average assets | 2.6056% | 3,901 |
| Loan and lease loss provision to assets | 0.0640% | 3,015 |
| Net operating income to assets | 0.9955% | 2,384 |
| Return on assets (ROA) | 1.0125% | 2,378 |
| Pretax return on assets | 1.4956% | 1,567 |
| Return on Equity (ROE) | 6.3404% | 3,881 |
| Retained earnings to average equity (ytd only) | 3.7215% | 3,402 |
| Net charge-offs to loans | 0.0683% | 2,875 |
| Credit loss provision to net charge-offs | 117.6923% | 2,187 |
| Earnings coverage of net charge-offs (x) | 28.2231% | 1,512 |
| Efficiency ratio | 62.9357% | 4,452 |
| Assets per employee ($millions) | 5.5192% | 1,785 |
| Cash dividends to net income (ytd only)* | 41.3052% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,888 |
| Loan loss allowance to noncurrent loans | 77.7458% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 2,173 |
| Noncurrent loans to loans | 1.2168% | 1,939 |
| Net loans and leases to total assets | 81.4887% | 643 |
| Net loans and leases to deposits | 125.9376% | 64 |
| Net loans and leases to core deposits | 152.1989% | 102 |
| Total domestic deposits to total assets | 64.7056% | 6,035 |
| Equity capital to assets | 15.9525% | 524 |
| Core capital (leverage) ratio | 16.0492% | 461 |
| Tier 1 risk-based capital ratio | 21.8313% | 1,175 |
| Total risk-based capital ratio | 22.9023% | 1,174 |
| Memoranda: | ||
| Average total assets | $239,100,400 | 2,586 |
| Average earning assets | $217,668,200 | 2,607 |
| Average equity | $38,183,600 | 1,877 |
| Average total loans | $190,454,200 | 2,154 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 540 |
| Cost of funding earning assets | 1.1694% | 66 |
| Net interest margin | 3.9060% | 2,011 |
| Noninterest income to average assets | 0.5100% | 3,296 |
| Noninterest expense to average assets | 2.4660% | 4,296 |
| Loan and lease loss provision to assets | 0.0280% | 3,684 |
| Net operating income to assets | 1.0802% | 2,095 |
| Return on assets (ROA) | 1.1034% | 2,069 |
| Pretax return on assets | 1.6045% | 1,369 |
| Return on Equity (ROE) | 6.9075% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.9075% | 1,732 |
| Net charge-offs to loans | 0.0191% | 3,557 |
| Credit loss provision to net charge-offs | 185.1852% | 1,430 |
| Earnings coverage of net charge-offs (x) | 105.7750% | 593 |
| Efficiency ratio | 60.6666% | 4,796 |
| Assets per employee ($millions) | 5.7601% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 4,812 |
| Loan loss allowance to noncurrent loans | 82.0313% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 2,373 |
| Noncurrent loans to loans | 1.2032% | 2,126 |
| Net loans and leases to total assets | 78.3711% | 1,047 |
| Net loans and leases to deposits | 122.0619% | 83 |
| Net loans and leases to core deposits | 148.2594% | 114 |
| Total domestic deposits to total assets | 64.2060% | 6,126 |
| Equity capital to assets | 16.1872% | 535 |
| Core capital (leverage) ratio | 16.0424% | 484 |
| Tier 1 risk-based capital ratio | 22.3489% | 1,145 |
| Total risk-based capital ratio | 23.4348% | 1,146 |
| Memoranda: | ||
| Average total assets | $238,164,000 | 2,603 |
| Average earning assets | $216,752,750 | 2,632 |
| Average equity | $38,044,500 | 1,897 |
| Average total loans | $188,122,250 | 2,190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 551 |
| Cost of funding earning assets | 1.2192% | 54 |
| Net interest margin | 3.8387% | 2,178 |
| Noninterest income to average assets | 0.5428% | 3,089 |
| Noninterest expense to average assets | 2.5613% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0223% | 2,281 |
| Return on assets (ROA) | 1.0223% | 2,395 |
| Pretax return on assets | 1.4689% | 1,732 |
| Return on Equity (ROE) | 6.4291% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.4291% | 1,988 |
| Net charge-offs to loans | 0.0128% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 440 |
| Efficiency ratio | 63.5526% | 4,420 |
| Assets per employee ($millions) | 5.5814% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 4,950 |
| Loan loss allowance to noncurrent loans | 74.3487% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 2,366 |
| Noncurrent loans to loans | 1.3219% | 2,036 |
| Net loans and leases to total assets | 77.8680% | 1,086 |
| Net loans and leases to deposits | 120.9394% | 88 |
| Net loans and leases to core deposits | 146.6988% | 125 |
| Total domestic deposits to total assets | 64.3860% | 6,198 |
| Equity capital to assets | 15.9366% | 534 |
| Core capital (leverage) ratio | 15.9921% | 465 |
| Tier 1 risk-based capital ratio | 21.9725% | 1,214 |
| Total risk-based capital ratio | 23.0422% | 1,220 |
| Memoranda: | ||
| Average total assets | $236,910,000 | 2,640 |
| Average earning assets | $215,230,670 | 2,667 |
| Average equity | $37,672,330 | 1,921 |
| Average total loans | $186,999,670 | 2,211 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 631 |
| Cost of funding earning assets | 1.3702% | 30 |
| Net interest margin | 3.5715% | 3,119 |
| Noninterest income to average assets | 0.4317% | 3,755 |
| Noninterest expense to average assets | 2.4966% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7954% | 3,286 |
| Return on assets (ROA) | 0.7954% | 3,416 |
| Pretax return on assets | 1.1777% | 2,748 |
| Return on Equity (ROE) | 5.0074% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.0074% | 3,049 |
| Net charge-offs to loans | 0.0129% | 2,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 434 |
| Efficiency ratio | 67.9463% | 3,835 |
| Assets per employee ($millions) | 5.5577% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,974 |
| Loan loss allowance to noncurrent loans | 80.2501% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 2,569 |
| Noncurrent loans to loans | 1.2562% | 2,278 |
| Net loans and leases to total assets | 76.4678% | 1,143 |
| Net loans and leases to deposits | 118.4606% | 104 |
| Net loans and leases to core deposits | 143.6030% | 135 |
| Total domestic deposits to total assets | 64.5513% | 6,267 |
| Equity capital to assets | 15.7796% | 573 |
| Core capital (leverage) ratio | 15.8054% | 490 |
| Tier 1 risk-based capital ratio | 21.8637% | 1,263 |
| Total risk-based capital ratio | 22.9538% | 1,261 |
| Memoranda: | ||
| Average total assets | $235,364,500 | 2,672 |
| Average earning assets | $213,690,500 | 2,694 |
| Average equity | $37,384,500 | 1,946 |
| Average total loans | $186,130,000 | 2,226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 488 |
| Cost of funding earning assets | 1.0889% | 144 |
| Net interest margin | 4.1480% | 1,441 |
| Noninterest income to average assets | 0.3413% | 4,664 |
| Noninterest expense to average assets | 2.5941% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9909% | 2,427 |
| Return on assets (ROA) | 0.9654% | 2,638 |
| Pretax return on assets | 1.4565% | 1,703 |
| Return on Equity (ROE) | 6.0675% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.3070% | 3,874 |
| Net charge-offs to loans | -0.0232% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4372% | 4,678 |
| Assets per employee ($millions) | 5.6524% | 1,649 |
| Cash dividends to net income (ytd only)* | 45.4959% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,090 |
| Loan loss allowance to noncurrent loans | 105.0647% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 3,236 |
| Noncurrent loans to loans | 0.9469% | 2,958 |
| Net loans and leases to total assets | 80.1683% | 723 |
| Net loans and leases to deposits | 123.6457% | 73 |
| Net loans and leases to core deposits | 143.7313% | 137 |
| Total domestic deposits to total assets | 64.8371% | 6,347 |
| Equity capital to assets | 15.9909% | 538 |
| Core capital (leverage) ratio | 15.9053% | 478 |
| Tier 1 risk-based capital ratio | 21.1678% | 1,370 |
| Total risk-based capital ratio | 22.2410% | 1,372 |
| Memoranda: | ||
| Average total assets | $227,671,000 | 2,717 |
| Average earning assets | $205,716,000 | 2,744 |
| Average equity | $36,225,800 | 1,939 |
| Average total loans | $181,167,600 | 2,212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2274% | 491 |
| Cost of funding earning assets | 1.0792% | 164 |
| Net interest margin | 4.1482% | 1,437 |
| Noninterest income to average assets | 0.3518% | 4,625 |
| Noninterest expense to average assets | 2.6136% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9935% | 2,476 |
| Return on assets (ROA) | 0.9589% | 2,725 |
| Pretax return on assets | 1.4330% | 1,876 |
| Return on Equity (ROE) | 6.0340% | 4,213 |
| Retained earnings to average equity (ytd only) | 6.0340% | 2,390 |
| Net charge-offs to loans | -0.0572% | 5,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7721% | 4,586 |
| Assets per employee ($millions) | 5.5259% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 5,037 |
| Loan loss allowance to noncurrent loans | 139.9558% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 3,632 |
| Noncurrent loans to loans | 0.7421% | 3,750 |
| Net loans and leases to total assets | 79.9899% | 714 |
| Net loans and leases to deposits | 123.3434% | 76 |
| Net loans and leases to core deposits | 143.6546% | 132 |
| Total domestic deposits to total assets | 64.8514% | 6,423 |
| Equity capital to assets | 16.4274% | 500 |
| Core capital (leverage) ratio | 16.3986% | 430 |
| Tier 1 risk-based capital ratio | 21.8585% | 1,284 |
| Total risk-based capital ratio | 22.9779% | 1,285 |
| Memoranda: | ||
| Average total assets | $226,651,250 | 2,745 |
| Average earning assets | $204,711,750 | 2,777 |
| Average equity | $36,017,500 | 1,956 |
| Average total loans | $179,545,250 | 2,246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 563 |
| Cost of funding earning assets | 1.0679% | 177 |
| Net interest margin | 4.0762% | 1,587 |
| Noninterest income to average assets | 0.3344% | 4,749 |
| Noninterest expense to average assets | 2.6257% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9273% | 2,670 |
| Return on assets (ROA) | 0.9273% | 2,776 |
| Pretax return on assets | 1.3861% | 1,945 |
| Return on Equity (ROE) | 5.9016% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.9016% | 2,379 |
| Net charge-offs to loans | 0.1121% | 2,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.7100% | 1,831 |
| Efficiency ratio | 65.4497% | 4,454 |
| Assets per employee ($millions) | 5.5537% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 5,509 |
| Loan loss allowance to noncurrent loans | 149.4801% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 3,241 |
| Noncurrent loans to loans | 0.6447% | 4,096 |
| Net loans and leases to total assets | 77.8508% | 927 |
| Net loans and leases to deposits | 118.8738% | 95 |
| Net loans and leases to core deposits | 136.9470% | 161 |
| Total domestic deposits to total assets | 65.4903% | 6,491 |
| Equity capital to assets | 16.0329% | 552 |
| Core capital (leverage) ratio | 16.0369% | 473 |
| Tier 1 risk-based capital ratio | 21.5880% | 1,328 |
| Total risk-based capital ratio | 22.6077% | 1,348 |
| Memoranda: | ||
| Average total assets | $226,681,330 | 2,760 |
| Average earning assets | $204,505,000 | 2,789 |
| Average equity | $35,617,330 | 1,963 |
| Average total loans | $178,351,000 | 2,253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 618 |
| Cost of funding earning assets | 1.0621% | 199 |
| Net interest margin | 4.0152% | 1,710 |
| Noninterest income to average assets | 0.3236% | 4,779 |
| Noninterest expense to average assets | 2.5662% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9356% | 2,478 |
| Return on assets (ROA) | 0.9356% | 2,550 |
| Pretax return on assets | 1.3813% | 1,815 |
| Return on Equity (ROE) | 6.0161% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.0161% | 2,532 |
| Net charge-offs to loans | -0.0135% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0090% | 4,690 |
| Assets per employee ($millions) | 5.6681% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,412 |
| Loan loss allowance to noncurrent loans | 103.1549% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 3,333 |
| Noncurrent loans to loans | 0.9964% | 3,426 |
| Net loans and leases to total assets | 77.7676% | 788 |
| Net loans and leases to deposits | 119.8091% | 76 |
| Net loans and leases to core deposits | 137.9935% | 141 |
| Total domestic deposits to total assets | 64.9096% | 6,573 |
| Equity capital to assets | 15.7104% | 563 |
| Core capital (leverage) ratio | 15.8347% | 500 |
| Tier 1 risk-based capital ratio | 21.4216% | 1,388 |
| Total risk-based capital ratio | 22.5125% | 1,400 |
| Memoranda: | ||
| Average total assets | $226,171,500 | 2,767 |
| Average earning assets | $204,123,000 | 2,809 |
| Average equity | $35,172,500 | 1,974 |
| Average total loans | $178,030,500 | 2,253 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5187% | 353 |
| Cost of funding earning assets | 1.0904% | 300 |
| Net interest margin | 4.4283% | 858 |
| Noninterest income to average assets | 0.2989% | 5,211 |
| Noninterest expense to average assets | 2.8869% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9407% | 2,602 |
| Return on assets (ROA) | 0.9407% | 2,680 |
| Pretax return on assets | 1.4036% | 1,765 |
| Return on Equity (ROE) | 5.9331% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.0765% | 4,041 |
| Net charge-offs to loans | -0.1241% | 6,530 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2860% | 4,331 |
| Assets per employee ($millions) | 5.6405% | 1,524 |
| Cash dividends to net income (ytd only)* | 48.1464% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 5,440 |
| Loan loss allowance to noncurrent loans | 161.2191% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 4,295 |
| Noncurrent loans to loans | 0.6363% | 4,389 |
| Net loans and leases to total assets | 78.0463% | 825 |
| Net loans and leases to deposits | 119.6616% | 69 |
| Net loans and leases to core deposits | 136.5288% | 147 |
| Total domestic deposits to total assets | 65.2225% | 6,647 |
| Equity capital to assets | 15.3914% | 604 |
| Core capital (leverage) ratio | 15.6456% | 522 |
| Tier 1 risk-based capital ratio | 21.0771% | 1,405 |
| Total risk-based capital ratio | 22.1636% | 1,418 |
| Memoranda: | ||
| Average total assets | $220,792,000 | 2,804 |
| Average earning assets | $199,013,800 | 2,836 |
| Average equity | $35,007,200 | 1,972 |
| Average total loans | $172,381,000 | 2,278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5981% | 322 |
| Cost of funding earning assets | 1.0933% | 326 |
| Net interest margin | 4.5048% | 734 |
| Noninterest income to average assets | 0.3060% | 5,254 |
| Noninterest expense to average assets | 2.8028% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0504% | 2,179 |
| Return on assets (ROA) | 1.0504% | 2,264 |
| Pretax return on assets | 1.5635% | 1,431 |
| Return on Equity (ROE) | 6.5758% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.5758% | 2,092 |
| Net charge-offs to loans | -0.1606% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1914% | 4,769 |
| Assets per employee ($millions) | 5.4746% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 5,628 |
| Loan loss allowance to noncurrent loans | 144.6301% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 4,167 |
| Noncurrent loans to loans | 0.7067% | 4,441 |
| Net loans and leases to total assets | 78.4340% | 703 |
| Net loans and leases to deposits | 119.8904% | 69 |
| Net loans and leases to core deposits | 135.8874% | 137 |
| Total domestic deposits to total assets | 65.4215% | 6,717 |
| Equity capital to assets | 15.8144% | 581 |
| Core capital (leverage) ratio | 15.9791% | 491 |
| Tier 1 risk-based capital ratio | 21.3778% | 1,427 |
| Total risk-based capital ratio | 22.4593% | 1,420 |
| Memoranda: | ||
| Average total assets | $219,585,000 | 2,835 |
| Average earning assets | $197,919,500 | 2,876 |
| Average equity | $35,077,500 | 1,981 |
| Average total loans | $170,998,000 | 2,300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6727% | 290 |
| Cost of funding earning assets | 1.0981% | 343 |
| Net interest margin | 4.5746% | 628 |
| Noninterest income to average assets | 0.3147% | 5,183 |
| Noninterest expense to average assets | 2.7372% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1406% | 1,779 |
| Return on assets (ROA) | 1.1406% | 1,891 |
| Pretax return on assets | 1.7021% | 1,108 |
| Return on Equity (ROE) | 7.1155% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.1155% | 1,839 |
| Net charge-offs to loans | -0.2549% | 6,723 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6577% | 5,222 |
| Assets per employee ($millions) | 5.2724% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,627 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 4,361 |
| Noncurrent loans to loans | 0.6683% | 4,604 |
| Net loans and leases to total assets | 77.6941% | 782 |
| Net loans and leases to deposits | 118.9939% | 72 |
| Net loans and leases to core deposits | 133.6095% | 163 |
| Total domestic deposits to total assets | 65.2925% | 6,770 |
| Equity capital to assets | 15.8454% | 549 |
| Core capital (leverage) ratio | 15.9673% | 472 |
| Tier 1 risk-based capital ratio | 21.4045% | 1,400 |
| Total risk-based capital ratio | 22.5077% | 1,405 |
| Memoranda: | ||
| Average total assets | $217,960,000 | 2,870 |
| Average earning assets | $196,521,670 | 2,907 |
| Average equity | $34,937,670 | 1,989 |
| Average total loans | $168,707,000 | 2,323 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 325 |
| Cost of funding earning assets | 1.1097% | 360 |
| Net interest margin | 4.4674% | 716 |
| Noninterest income to average assets | 0.3311% | 5,051 |
| Noninterest expense to average assets | 2.6269% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1729% | 1,601 |
| Return on assets (ROA) | 1.1729% | 1,713 |
| Pretax return on assets | 1.7334% | 998 |
| Return on Equity (ROE) | 7.2743% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.2743% | 2,036 |
| Net charge-offs to loans | -0.0096% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2461% | 5,550 |
| Assets per employee ($millions) | 5.3994% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,107 |
| Loan loss allowance to noncurrent loans | 69.7624% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 3,196 |
| Noncurrent loans to loans | 1.3764% | 3,501 |
| Net loans and leases to total assets | 77.1271% | 706 |
| Net loans and leases to deposits | 118.1759% | 78 |
| Net loans and leases to core deposits | 132.9492% | 158 |
| Total domestic deposits to total assets | 65.2647% | 6,860 |
| Equity capital to assets | 16.2856% | 520 |
| Core capital (leverage) ratio | 16.1244% | 437 |
| Tier 1 risk-based capital ratio | 21.5357% | 1,418 |
| Total risk-based capital ratio | 22.5364% | 1,448 |
| Memoranda: | ||
| Average total assets | $216,220,500 | 2,919 |
| Average earning assets | $195,013,500 | 2,957 |
| Average equity | $34,862,500 | 2,023 |
| Average total loans | $166,125,000 | 2,362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 445 |
| Cost of funding earning assets | 1.3150% | 354 |
| Net interest margin | 4.3660% | 1,239 |
| Noninterest income to average assets | 0.3617% | 4,894 |
| Noninterest expense to average assets | 2.4694% | 5,193 |
| Loan and lease loss provision to assets | 0.4832% | 1,264 |
| Net operating income to assets | 0.8869% | 2,882 |
| Return on assets (ROA) | 0.8869% | 3,122 |
| Pretax return on assets | 1.3500% | 2,212 |
| Return on Equity (ROE) | 5.6882% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.7592% | 4,297 |
| Net charge-offs to loans | 0.1251% | 4,431 |
| Credit loss provision to net charge-offs | 516.0976% | 468 |
| Earnings coverage of net charge-offs (x) | 19.5805% | 1,378 |
| Efficiency ratio | 57.3931% | 5,908 |
| Assets per employee ($millions) | 5.5504% | 1,642 |
| Cash dividends to net income (ytd only)* | 51.4933% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,022 |
| Loan loss allowance to noncurrent loans | 72.9950% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2672% | 3,532 |
| Noncurrent loans to loans | 1.3452% | 3,588 |
| Net loans and leases to total assets | 75.0459% | 1,039 |
| Net loans and leases to deposits | 114.0346% | 112 |
| Net loans and leases to core deposits | 128.4083% | 200 |
| Total domestic deposits to total assets | 65.8097% | 6,904 |
| Equity capital to assets | 15.9619% | 560 |
| Core capital (leverage) ratio | 15.7830% | 476 |
| Tier 1 risk-based capital ratio | 21.3730% | 1,385 |
| Total risk-based capital ratio | 22.3829% | 1,400 |
| Memoranda: | ||
| Average total assets | $218,959,400 | 2,849 |
| Average earning assets | $197,642,000 | 2,867 |
| Average equity | $34,140,600 | 2,027 |
| Average total loans | $163,868,400 | 2,376 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6482% | 513 |
| Cost of funding earning assets | 1.3652% | 337 |
| Net interest margin | 4.2831% | 1,525 |
| Noninterest income to average assets | 0.3661% | 4,901 |
| Noninterest expense to average assets | 2.3826% | 5,447 |
| Loan and lease loss provision to assets | 0.6424% | 822 |
| Net operating income to assets | 0.7997% | 3,456 |
| Return on assets (ROA) | 0.7997% | 3,697 |
| Pretax return on assets | 1.2083% | 2,964 |
| Return on Equity (ROE) | 5.1589% | 4,742 |
| Retained earnings to average equity (ytd only) | 5.1589% | 3,250 |
| Net charge-offs to loans | 0.2401% | 3,285 |
| Credit loss provision to net charge-offs | 358.6441% | 749 |
| Earnings coverage of net charge-offs (x) | 10.3323% | 2,200 |
| Efficiency ratio | 56.2823% | 6,023 |
| Assets per employee ($millions) | 5.8635% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 6,318 |
| Loan loss allowance to noncurrent loans | 43.8961% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.9000% | 2,783 |
| Noncurrent loans to loans | 2.1017% | 2,733 |
| Net loans and leases to total assets | 75.2934% | 1,077 |
| Net loans and leases to deposits | 114.8283% | 102 |
| Net loans and leases to core deposits | 130.5977% | 188 |
| Total domestic deposits to total assets | 65.5704% | 6,986 |
| Equity capital to assets | 16.0696% | 594 |
| Core capital (leverage) ratio | 15.8769% | 492 |
| Tier 1 risk-based capital ratio | 21.4436% | 1,433 |
| Total risk-based capital ratio | 22.3927% | 1,463 |
| Memoranda: | ||
| Average total assets | $219,583,000 | 2,863 |
| Average earning assets | $198,263,750 | 2,883 |
| Average equity | $34,037,750 | 2,048 |
| Average total loans | $163,820,750 | 2,407 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 497 |
| Cost of funding earning assets | 1.3061% | 514 |
| Net interest margin | 4.3804% | 1,257 |
| Noninterest income to average assets | 0.3529% | 5,013 |
| Noninterest expense to average assets | 2.4177% | 5,388 |
| Loan and lease loss provision to assets | 0.9117% | 509 |
| Net operating income to assets | 0.6550% | 4,085 |
| Return on assets (ROA) | 0.6550% | 4,347 |
| Pretax return on assets | 0.9789% | 3,790 |
| Return on Equity (ROE) | 4.2769% | 5,142 |
| Retained earnings to average equity (ytd only) | 4.2769% | 3,762 |
| Net charge-offs to loans | 0.3108% | 2,787 |
| Credit loss provision to net charge-offs | 395.6693% | 746 |
| Earnings coverage of net charge-offs (x) | 8.2047% | 2,345 |
| Efficiency ratio | 56.1171% | 6,103 |
| Assets per employee ($millions) | 5.6983% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,392 |
| Loan loss allowance to noncurrent loans | 40.9720% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9461% | 2,852 |
| Noncurrent loans to loans | 2.2619% | 2,662 |
| Net loans and leases to total assets | 74.4985% | 1,177 |
| Net loans and leases to deposits | 116.7873% | 86 |
| Net loans and leases to core deposits | 133.8289% | 184 |
| Total domestic deposits to total assets | 63.7899% | 7,089 |
| Equity capital to assets | 15.7946% | 623 |
| Core capital (leverage) ratio | 15.6107% | 512 |
| Tier 1 risk-based capital ratio | 21.2217% | 1,438 |
| Total risk-based capital ratio | 22.1712% | 1,469 |
| Memoranda: | ||
| Average total assets | $220,460,670 | 2,865 |
| Average earning assets | $199,066,330 | 2,882 |
| Average equity | $33,762,670 | 2,050 |
| Average total loans | $163,471,000 | 2,420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7164% | 501 |
| Cost of funding earning assets | 1.3129% | 601 |
| Net interest margin | 4.4035% | 1,220 |
| Noninterest income to average assets | 0.3273% | 5,248 |
| Noninterest expense to average assets | 2.3163% | 5,727 |
| Loan and lease loss provision to assets | 0.2284% | 2,663 |
| Net operating income to assets | 1.1420% | 1,909 |
| Return on assets (ROA) | 1.1420% | 2,094 |
| Pretax return on assets | 1.7696% | 1,150 |
| Return on Equity (ROE) | 7.5723% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.5723% | 2,142 |
| Net charge-offs to loans | 0.4567% | 1,955 |
| Credit loss provision to net charge-offs | 67.9144% | 2,959 |
| Earnings coverage of net charge-offs (x) | 5.9412% | 2,273 |
| Efficiency ratio | 53.6890% | 6,381 |
| Assets per employee ($millions) | 5.8625% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4303% | 7,115 |
| Loan loss allowance to noncurrent loans | 369.3122% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 6,037 |
| Noncurrent loans to loans | 0.1165% | 6,464 |
| Net loans and leases to total assets | 72.4961% | 1,318 |
| Net loans and leases to deposits | 111.8511% | 114 |
| Net loans and leases to core deposits | 127.8642% | 217 |
| Total domestic deposits to total assets | 64.8149% | 7,130 |
| Equity capital to assets | 15.1875% | 714 |
| Core capital (leverage) ratio | 15.0983% | 586 |
| Tier 1 risk-based capital ratio | 21.5820% | 1,366 |
| Total risk-based capital ratio | 22.0304% | 1,500 |
| Memoranda: | ||
| Average total assets | $222,423,000 | 2,858 |
| Average earning assets | $201,387,000 | 2,879 |
| Average equity | $33,543,500 | 2,068 |
| Average total loans | $163,794,000 | 2,428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6757% | 819 |
| Cost of funding earning assets | 1.5855% | 503 |
| Net interest margin | 4.0901% | 2,466 |
| Noninterest income to average assets | 0.2244% | 5,928 |
| Noninterest expense to average assets | 2.3461% | 5,922 |
| Loan and lease loss provision to assets | 0.1798% | 4,400 |
| Net operating income to assets | 0.9127% | 2,545 |
| Return on assets (ROA) | 0.9127% | 2,666 |
| Pretax return on assets | 1.4123% | 1,743 |
| Return on Equity (ROE) | 6.0942% | 3,822 |
| Retained earnings to average equity (ytd only) | -1.4454% | 6,082 |
| Net charge-offs to loans | 0.2212% | 4,402 |
| Credit loss provision to net charge-offs | 106.2663% | 3,202 |
| Earnings coverage of net charge-offs (x) | 9.4099% | 1,989 |
| Efficiency ratio | 59.5738% | 5,821 |
| Assets per employee ($millions) | 5.6941% | 1,447 |
| Cash dividends to net income (ytd only)* | 123.7173% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4583% | 7,129 |
| Loan loss allowance to noncurrent loans | 48.2188% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 3,887 |
| Noncurrent loans to loans | 0.9505% | 4,803 |
| Net loans and leases to total assets | 74.1334% | 1,251 |
| Net loans and leases to deposits | 113.8191% | 121 |
| Net loans and leases to core deposits | 128.8280% | 248 |
| Total domestic deposits to total assets | 65.1326% | 7,152 |
| Equity capital to assets | 14.9741% | 791 |
| Core capital (leverage) ratio | 14.8526% | 632 |
| Tier 1 risk-based capital ratio | 21.7520% | 1,271 |
| Total risk-based capital ratio | 22.2526% | 1,387 |
| Memoranda: | ||
| Average total assets | $226,372,200 | 2,769 |
| Average earning assets | $205,544,600 | 2,783 |
| Average equity | $33,901,200 | 1,971 |
| Average total loans | $173,116,800 | 2,344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 833 |
| Cost of funding earning assets | 1.6428% | 492 |
| Net interest margin | 4.0714% | 2,591 |
| Noninterest income to average assets | 0.2228% | 6,024 |
| Noninterest expense to average assets | 2.2803% | 6,087 |
| Loan and lease loss provision to assets | 0.2345% | 3,667 |
| Net operating income to assets | 0.9004% | 2,738 |
| Return on assets (ROA) | 0.9004% | 2,882 |
| Pretax return on assets | 1.4039% | 1,932 |
| Return on Equity (ROE) | 6.0122% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.0122% | 2,549 |
| Net charge-offs to loans | 0.2742% | 3,719 |
| Credit loss provision to net charge-offs | 111.1111% | 2,954 |
| Earnings coverage of net charge-offs (x) | 7.7638% | 2,299 |
| Efficiency ratio | 58.1900% | 5,978 |
| Assets per employee ($millions) | 5.9611% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 7,195 |
| Loan loss allowance to noncurrent loans | 407.3684% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 4,770 |
| Noncurrent loans to loans | 0.1106% | 6,653 |
| Net loans and leases to total assets | 73.5417% | 1,405 |
| Net loans and leases to deposits | 115.7508% | 114 |
| Net loans and leases to core deposits | 131.0371% | 238 |
| Total domestic deposits to total assets | 63.5345% | 7,252 |
| Equity capital to assets | 15.1486% | 813 |
| Core capital (leverage) ratio | 15.0291% | 660 |
| Tier 1 risk-based capital ratio | 22.1399% | 1,264 |
| Total risk-based capital ratio | 22.6311% | 1,358 |
| Memoranda: | ||
| Average total assets | $227,447,750 | 2,760 |
| Average earning assets | $206,477,250 | 2,774 |
| Average equity | $34,063,250 | 1,968 |
| Average total loans | $175,049,500 | 2,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7687% | 764 |
| Cost of funding earning assets | 1.6886% | 485 |
| Net interest margin | 4.0801% | 2,487 |
| Noninterest income to average assets | 0.2489% | 5,865 |
| Noninterest expense to average assets | 2.3156% | 6,079 |
| Loan and lease loss provision to assets | 0.1763% | 4,161 |
| Net operating income to assets | 0.9426% | 2,470 |
| Return on assets (ROA) | 0.9426% | 2,563 |
| Pretax return on assets | 1.4599% | 1,641 |
| Return on Equity (ROE) | 6.3186% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.3186% | 2,236 |
| Net charge-offs to loans | 0.1521% | 4,271 |
| Credit loss provision to net charge-offs | 148.5075% | 2,059 |
| Earnings coverage of net charge-offs (x) | 13.7836% | 1,522 |
| Efficiency ratio | 58.5967% | 6,086 |
| Assets per employee ($millions) | 5.8237% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4576% | 7,254 |
| Loan loss allowance to noncurrent loans | 134.2857% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 4,896 |
| Noncurrent loans to loans | 0.3408% | 6,236 |
| Net loans and leases to total assets | 74.6069% | 1,302 |
| Net loans and leases to deposits | 116.4977% | 110 |
| Net loans and leases to core deposits | 132.2085% | 250 |
| Total domestic deposits to total assets | 64.0415% | 7,313 |
| Equity capital to assets | 14.7912% | 868 |
| Core capital (leverage) ratio | 14.7623% | 715 |
| Tier 1 risk-based capital ratio | 21.6586% | 1,301 |
| Total risk-based capital ratio | 22.1620% | 1,418 |
| Memoranda: | ||
| Average total assets | $225,769,330 | 2,797 |
| Average earning assets | $204,897,670 | 2,816 |
| Average equity | $33,678,330 | 1,972 |
| Average total loans | $176,150,670 | 2,334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9322% | 553 |
| Cost of funding earning assets | 1.7347% | 482 |
| Net interest margin | 4.1975% | 1,898 |
| Noninterest income to average assets | 0.2989% | 5,527 |
| Noninterest expense to average assets | 2.3981% | 5,888 |
| Loan and lease loss provision to assets | 0.1656% | 3,974 |
| Net operating income to assets | 0.9884% | 2,219 |
| Return on assets (ROA) | 0.9884% | 2,276 |
| Pretax return on assets | 1.5339% | 1,349 |
| Return on Equity (ROE) | 6.5967% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.5967% | 2,327 |
| Net charge-offs to loans | 0.0294% | 4,686 |
| Credit loss provision to net charge-offs | 707.6923% | 539 |
| Earnings coverage of net charge-offs (x) | 72.6154% | 426 |
| Efficiency ratio | 58.5237% | 6,204 |
| Assets per employee ($millions) | 5.5332% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4633% | 7,306 |
| Loan loss allowance to noncurrent loans | 504.9689% | 636 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 4,719 |
| Noncurrent loans to loans | 0.0917% | 6,816 |
| Net loans and leases to total assets | 78.9168% | 630 |
| Net loans and leases to deposits | 126.1793% | 68 |
| Net loans and leases to core deposits | 144.5185% | 173 |
| Total domestic deposits to total assets | 62.5434% | 7,393 |
| Equity capital to assets | 15.1657% | 728 |
| Core capital (leverage) ratio | 15.0563% | 655 |
| Tier 1 risk-based capital ratio | 21.2987% | 1,347 |
| Total risk-based capital ratio | 21.8190% | 1,443 |
| Memoranda: | ||
| Average total assets | $222,179,500 | 2,859 |
| Average earning assets | $201,071,500 | 2,875 |
| Average equity | $33,289,500 | 1,980 |
| Average total loans | $176,928,500 | 2,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0387% | 788 |
| Cost of funding earning assets | 2.0432% | 515 |
| Net interest margin | 3.9956% | 3,040 |
| Noninterest income to average assets | 0.3661% | 5,178 |
| Noninterest expense to average assets | 2.3355% | 6,255 |
| Loan and lease loss provision to assets | 0.2304% | 4,975 |
| Net operating income to assets | 0.9339% | 2,264 |
| Return on assets (ROA) | 0.9339% | 2,391 |
| Pretax return on assets | 1.4307% | 1,562 |
| Return on Equity (ROE) | 6.2811% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.2811% | 1,676 |
| Net charge-offs to loans | 0.2951% | 4,545 |
| Credit loss provision to net charge-offs | 97.4952% | 4,755 |
| Earnings coverage of net charge-offs (x) | 7.0289% | 2,219 |
| Efficiency ratio | 58.4140% | 6,287 |
| Assets per employee ($millions) | 6.0279% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 7,420 |
| Loan loss allowance to noncurrent loans | 332.1267% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 5,016 |
| Noncurrent loans to loans | 0.1239% | 6,826 |
| Net loans and leases to total assets | 79.6504% | 707 |
| Net loans and leases to deposits | 126.1495% | 86 |
| Net loans and leases to core deposits | 144.6008% | 196 |
| Total domestic deposits to total assets | 63.1397% | 7,462 |
| Equity capital to assets | 14.8020% | 837 |
| Core capital (leverage) ratio | 14.7133% | 712 |
| Tier 1 risk-based capital ratio | 20.7484% | 1,353 |
| Total risk-based capital ratio | 21.2130% | 1,464 |
| Memoranda: | ||
| Average total assets | $219,611,400 | 2,874 |
| Average earning assets | $199,544,800 | 2,886 |
| Average equity | $32,653,400 | 2,010 |
| Average total loans | $175,849,000 | 2,398 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0343% | 872 |
| Cost of funding earning assets | 2.0735% | 591 |
| Net interest margin | 3.9607% | 3,288 |
| Noninterest income to average assets | 0.3169% | 5,614 |
| Noninterest expense to average assets | 2.3057% | 6,308 |
| Loan and lease loss provision to assets | 0.1347% | 5,681 |
| Net operating income to assets | 0.9545% | 2,397 |
| Return on assets (ROA) | 0.9545% | 2,527 |
| Pretax return on assets | 1.4786% | 1,664 |
| Return on Equity (ROE) | 6.4119% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.4119% | 2,131 |
| Net charge-offs to loans | 0.2762% | 4,290 |
| Credit loss provision to net charge-offs | 60.8815% | 5,666 |
| Earnings coverage of net charge-offs (x) | 7.2920% | 2,359 |
| Efficiency ratio | 58.8025% | 6,147 |
| Assets per employee ($millions) | 6.0824% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3419% | 7,571 |
| Loan loss allowance to noncurrent loans | 261.9048% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 5,540 |
| Noncurrent loans to loans | 0.1306% | 6,915 |
| Net loans and leases to total assets | 80.5257% | 661 |
| Net loans and leases to deposits | 124.5430% | 93 |
| Net loans and leases to core deposits | 140.9997% | 251 |
| Total domestic deposits to total assets | 64.6569% | 7,504 |
| Equity capital to assets | 15.0960% | 868 |
| Core capital (leverage) ratio | 14.9764% | 719 |
| Tier 1 risk-based capital ratio | 20.7349% | 1,408 |
| Total risk-based capital ratio | 21.1179% | 1,542 |
| Memoranda: | ||
| Average total assets | $218,756,500 | 2,938 |
| Average earning assets | $198,947,250 | 2,937 |
| Average equity | $32,563,500 | 2,035 |
| Average total loans | $175,216,500 | 2,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0196% | 902 |
| Cost of funding earning assets | 2.1026% | 652 |
| Net interest margin | 3.9170% | 3,368 |
| Noninterest income to average assets | 0.3192% | 5,602 |
| Noninterest expense to average assets | 2.3056% | 6,339 |
| Loan and lease loss provision to assets | 0.1216% | 5,685 |
| Net operating income to assets | 0.9420% | 2,396 |
| Return on assets (ROA) | 0.9420% | 2,486 |
| Pretax return on assets | 1.4578% | 1,675 |
| Return on Equity (ROE) | 6.3581% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.3581% | 2,141 |
| Net charge-offs to loans | 0.0962% | 5,186 |
| Credit loss provision to net charge-offs | 158.3333% | 2,486 |
| Earnings coverage of net charge-offs (x) | 20.5595% | 1,211 |
| Efficiency ratio | 59.2985% | 6,174 |
| Assets per employee ($millions) | 5.9974% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4545% | 7,554 |
| Loan loss allowance to noncurrent loans | 197.5186% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 5,546 |
| Noncurrent loans to loans | 0.2301% | 6,780 |
| Net loans and leases to total assets | 78.5599% | 1,025 |
| Net loans and leases to deposits | 124.1223% | 98 |
| Net loans and leases to core deposits | 141.1809% | 277 |
| Total domestic deposits to total assets | 63.2924% | 7,606 |
| Equity capital to assets | 14.6028% | 976 |
| Core capital (leverage) ratio | 14.5547% | 808 |
| Tier 1 risk-based capital ratio | 20.5663% | 1,418 |
| Total risk-based capital ratio | 21.0737% | 1,512 |
| Memoranda: | ||
| Average total assets | $218,687,000 | 2,953 |
| Average earning assets | $199,083,330 | 2,964 |
| Average equity | $32,399,670 | 2,041 |
| Average total loans | $174,646,000 | 2,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9976% | 985 |
| Cost of funding earning assets | 2.1273% | 741 |
| Net interest margin | 3.8703% | 3,457 |
| Noninterest income to average assets | 0.3206% | 5,583 |
| Noninterest expense to average assets | 2.2314% | 6,606 |
| Loan and lease loss provision to assets | 0.1050% | 5,574 |
| Net operating income to assets | 0.9582% | 2,334 |
| Return on assets (ROA) | 0.9582% | 2,398 |
| Pretax return on assets | 1.5110% | 1,487 |
| Return on Equity (ROE) | 6.4202% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.4202% | 2,400 |
| Net charge-offs to loans | 0.0046% | 5,554 |
| Credit loss provision to net charge-offs | 2,850.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 438.5000% | 65 |
| Efficiency ratio | 57.9502% | 6,493 |
| Assets per employee ($millions) | 5.9577% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4586% | 7,626 |
| Loan loss allowance to noncurrent loans | 57.8226% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 5,232 |
| Noncurrent loans to loans | 0.7932% | 5,733 |
| Net loans and leases to total assets | 78.9648% | 985 |
| Net loans and leases to deposits | 128.3086% | 86 |
| Net loans and leases to core deposits | 145.9624% | 267 |
| Total domestic deposits to total assets | 61.5429% | 7,725 |
| Equity capital to assets | 14.8248% | 927 |
| Core capital (leverage) ratio | 14.8109% | 789 |
| Tier 1 risk-based capital ratio | 21.2694% | 1,299 |
| Total risk-based capital ratio | 21.7921% | 1,391 |
| Memoranda: | ||
| Average total assets | $217,079,500 | 3,025 |
| Average earning assets | $197,813,000 | 3,027 |
| Average equity | $32,397,500 | 2,073 |
| Average total loans | $174,408,000 | 2,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1518% | 1,370 |
| Cost of funding earning assets | 2.7290% | 545 |
| Net interest margin | 3.4228% | 5,277 |
| Noninterest income to average assets | 0.4451% | 4,841 |
| Noninterest expense to average assets | 2.4950% | 6,148 |
| Loan and lease loss provision to assets | 0.5154% | 3,798 |
| Net operating income to assets | 0.2569% | 4,696 |
| Return on assets (ROA) | 0.2563% | 4,780 |
| Pretax return on assets | 0.5479% | 4,055 |
| Return on Equity (ROE) | 1.9952% | 4,908 |
| Retained earnings to average equity (ytd only) | 1.9952% | 3,708 |
| Net charge-offs to loans | 0.0666% | 6,445 |
| Credit loss provision to net charge-offs | 980.5310% | 300 |
| Earnings coverage of net charge-offs (x) | 20.2478% | 1,050 |
| Efficiency ratio | 70.0470% | 4,616 |
| Assets per employee ($millions) | 5.2128% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4294% | 7,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 6,371 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.0396% | 833 |
| Net loans and leases to deposits | 133.6923% | 75 |
| Net loans and leases to core deposits | 188.6310% | 127 |
| Total domestic deposits to total assets | 60.6165% | 7,790 |
| Equity capital to assets | 15.0269% | 905 |
| Core capital (leverage) ratio | 15.0229% | 787 |
| Tier 1 risk-based capital ratio | 21.5312% | 1,210 |
| Total risk-based capital ratio | 22.0322% | 1,299 |
| Memoranda: | ||
| Average total assets | $214,987,200 | 3,017 |
| Average earning assets | $195,601,200 | 3,024 |
| Average equity | $27,615,800 | 2,410 |
| Average total loans | $169,736,600 | 2,621 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1201% | 1,578 |
| Cost of funding earning assets | 2.8624% | 513 |
| Net interest margin | 3.2578% | 5,802 |
| Noninterest income to average assets | 0.4781% | 4,686 |
| Noninterest expense to average assets | 2.1773% | 7,027 |
| Loan and lease loss provision to assets | 0.6564% | 2,778 |
| Net operating income to assets | 0.2671% | 4,919 |
| Return on assets (ROA) | 0.2663% | 5,020 |
| Pretax return on assets | 0.6075% | 4,161 |
| Return on Equity (ROE) | 2.1642% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.1642% | 4,115 |
| Net charge-offs to loans | 0.0814% | 5,865 |
| Credit loss provision to net charge-offs | 1,029.1262% | 362 |
| Earnings coverage of net charge-offs (x) | 19.8349% | 1,265 |
| Efficiency ratio | 63.1948% | 5,892 |
| Assets per employee ($millions) | 5.9589% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 7,812 |
| Loan loss allowance to noncurrent loans | 138.2066% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 5,761 |
| Noncurrent loans to loans | 0.2974% | 6,765 |
| Net loans and leases to total assets | 77.9088% | 1,592 |
| Net loans and leases to deposits | 121.8281% | 173 |
| Net loans and leases to core deposits | 165.2213% | 315 |
| Total domestic deposits to total assets | 63.9497% | 7,768 |
| Equity capital to assets | 12.2940% | 2,068 |
| Core capital (leverage) ratio | 12.2520% | 1,684 |
| Tier 1 risk-based capital ratio | 17.5062% | 2,118 |
| Total risk-based capital ratio | 17.9660% | 2,306 |
| Memoranda: | ||
| Average total assets | $215,303,000 | 3,023 |
| Average earning assets | $195,917,000 | 3,045 |
| Average equity | $26,490,750 | 2,506 |
| Average total loans | $168,683,750 | 2,670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1450% | 1,640 |
| Cost of funding earning assets | 2.9041% | 602 |
| Net interest margin | 3.2409% | 5,768 |
| Noninterest income to average assets | 0.4766% | 4,659 |
| Noninterest expense to average assets | 2.1950% | 7,065 |
| Loan and lease loss provision to assets | 0.8905% | 1,896 |
| Net operating income to assets | 0.0237% | 5,776 |
| Return on assets (ROA) | 0.0225% | 5,858 |
| Pretax return on assets | 0.3352% | 5,112 |
| Return on Equity (ROE) | 0.1826% | 5,865 |
| Retained earnings to average equity (ytd only) | 0.1826% | 5,139 |
| Net charge-offs to loans | -0.0036% | 7,504 |
| Credit loss provision to net charge-offs | -31,700.0000% | 7,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0766% | 5,900 |
| Assets per employee ($millions) | 5.8641% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4189% | 7,883 |
| Loan loss allowance to noncurrent loans | 88.5822% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 5,561 |
| Noncurrent loans to loans | 0.4729% | 6,342 |
| Net loans and leases to total assets | 79.4973% | 1,403 |
| Net loans and leases to deposits | 126.6745% | 142 |
| Net loans and leases to core deposits | 181.8739% | 206 |
| Total domestic deposits to total assets | 62.7572% | 7,872 |
| Equity capital to assets | 12.5040% | 1,919 |
| Core capital (leverage) ratio | 12.5559% | 1,595 |
| Tier 1 risk-based capital ratio | 17.5556% | 2,128 |
| Total risk-based capital ratio | 18.0227% | 2,316 |
| Memoranda: | ||
| Average total assets | $213,577,000 | 3,062 |
| Average earning assets | $194,142,330 | 3,088 |
| Average equity | $26,285,670 | 2,532 |
| Average total loans | $167,417,330 | 2,713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1120% | 1,903 |
| Cost of funding earning assets | 2.9680% | 652 |
| Net interest margin | 3.1440% | 6,045 |
| Noninterest income to average assets | 0.4823% | 4,483 |
| Noninterest expense to average assets | 2.1433% | 7,024 |
| Loan and lease loss provision to assets | 1.5735% | 798 |
| Net operating income to assets | -0.6331% | 6,996 |
| Return on assets (ROA) | -0.6368% | 7,038 |
| Pretax return on assets | -0.3780% | 6,731 |
| Return on Equity (ROE) | -5.2154% | 6,993 |
| Retained earnings to average equity (ytd only) | -5.2154% | 6,581 |
| Net charge-offs to loans | -0.0048% | 7,177 |
| Credit loss provision to net charge-offs | -42,250.0000% | 6,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0669% | 5,678 |
| Assets per employee ($millions) | 5.7642% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3571% | 7,993 |
| Loan loss allowance to noncurrent loans | 106.5836% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 5,581 |
| Noncurrent loans to loans | 0.3350% | 6,590 |
| Net loans and leases to total assets | 78.3740% | 1,725 |
| Net loans and leases to deposits | 123.9483% | 216 |
| Net loans and leases to core deposits | 177.1627% | 267 |
| Total domestic deposits to total assets | 63.2312% | 7,876 |
| Equity capital to assets | 12.1711% | 2,157 |
| Core capital (leverage) ratio | 12.2451% | 1,792 |
| Tier 1 risk-based capital ratio | 17.2307% | 2,258 |
| Total risk-based capital ratio | 17.6254% | 2,507 |
| Memoranda: | ||
| Average total assets | $214,811,000 | 3,054 |
| Average earning assets | $195,417,500 | 3,075 |
| Average equity | $26,230,000 | 2,554 |
| Average total loans | $166,860,000 | 2,739 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4428% | 3,213 |
| Cost of funding earning assets | 3.4405% | 623 |
| Net interest margin | 3.0023% | 6,911 |
| Noninterest income to average assets | 0.5460% | 4,260 |
| Noninterest expense to average assets | 2.0943% | 7,251 |
| Loan and lease loss provision to assets | 0.6085% | 2,387 |
| Net operating income to assets | 0.2061% | 5,832 |
| Return on assets (ROA) | 0.1652% | 5,780 |
| Pretax return on assets | 0.5122% | 4,942 |
| Return on Equity (ROE) | 1.3523% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.3523% | 4,409 |
| Net charge-offs to loans | 0.0615% | 5,904 |
| Credit loss provision to net charge-offs | 1,276.6990% | 358 |
| Earnings coverage of net charge-offs (x) | 24.8544% | 1,358 |
| Efficiency ratio | 63.7031% | 5,626 |
| Assets per employee ($millions) | 5.6933% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2868% | 8,092 |
| Loan loss allowance to noncurrent loans | 374.8031% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 5,856 |
| Noncurrent loans to loans | 0.0765% | 7,194 |
| Net loans and leases to total assets | 76.4941% | 2,499 |
| Net loans and leases to deposits | 123.3073% | 314 |
| Net loans and leases to core deposits | 176.5530% | 322 |
| Total domestic deposits to total assets | 62.0354% | 7,886 |
| Equity capital to assets | 12.2498% | 2,135 |
| Core capital (leverage) ratio | 12.2707% | 1,854 |
| Tier 1 risk-based capital ratio | 17.0303% | 2,302 |
| Total risk-based capital ratio | 17.3355% | 2,575 |
| Memoranda: | ||
| Average total assets | $216,108,400 | 2,924 |
| Average earning assets | $196,715,000 | 2,929 |
| Average equity | $26,398,800 | 2,522 |
| Average total loans | $167,537,000 | 2,654 |