Home > First Credit Bank > Performance and Condition Ratios
First Credit 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 | 9.6325% | 80 |
| Cost of funding earning assets | 2.1876% | 654 |
| Net interest margin | 7.4449% | 43 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.0307% | 4,496 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 5.6989% | 68 |
| Return on assets (ROA) | 5.7009% | 69 |
| Pretax return on assets | 5.9240% | 81 |
| Return on Equity (ROE) | 15.1600% | 1,258 |
| Retained earnings to average equity (ytd only) | 2.7693% | 3,350 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 14.7785% | 4,538 |
| Assets per employee ($millions) | 25.1350% | 67 |
| Cash dividends to net income (ytd only)* | 81.7376% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8674% | 134 |
| Loan loss allowance to noncurrent loans | 130.8471% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.8113% | 177 |
| Noncurrent loans to loans | 2.1914% | 242 |
| Net loans and leases to total assets | 80.2800% | 613 |
| Net loans and leases to deposits | 132.5518% | 38 |
| Net loans and leases to core deposits | 451.5816% | 44 |
| Total domestic deposits to total assets | 60.5700% | 4,434 |
| Equity capital to assets | 38.2992% | 142 |
| Core capital (leverage) ratio | 38.8259% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2227% | 148 |
| Memoranda: | ||
| Average total assets | $573,999,400 | 1,539 |
| Average earning assets | $533,462,600 | 1,541 |
| Average equity | $215,792,000 | 507 |
| Average total loans | $466,316,000 | 1,309 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4149% | 79 |
| Cost of funding earning assets | 2.0875% | 610 |
| Net interest margin | 7.3274% | 48 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 0.8959% | 4,530 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 5.7474% | 64 |
| Return on assets (ROA) | 5.7414% | 65 |
| Pretax return on assets | 5.9885% | 79 |
| Return on Equity (ROE) | 15.3400% | 1,389 |
| Retained earnings to average equity (ytd only) | 1.0927% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 13.0606% | 4,571 |
| Assets per employee ($millions) | 23.1270% | 71 |
| Cash dividends to net income (ytd only)* | 92.8789% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9146% | 128 |
| Loan loss allowance to noncurrent loans | 118.0261% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 2.0719% | 129 |
| Noncurrent loans to loans | 2.4695% | 199 |
| Net loans and leases to total assets | 81.4500% | 485 |
| Net loans and leases to deposits | 137.9540% | 26 |
| Net loans and leases to core deposits | 451.8218% | 11 |
| Total domestic deposits to total assets | 59.0400% | 4,467 |
| Equity capital to assets | 39.0814% | 144 |
| Core capital (leverage) ratio | 38.2157% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2852% | 151 |
| Memoranda: | ||
| Average total assets | $572,973,250 | 1,543 |
| Average earning assets | $532,308,750 | 1,545 |
| Average equity | $214,387,750 | 508 |
| Average total loans | $463,439,250 | 1,306 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1802% | 76 |
| Cost of funding earning assets | 1.9860% | 509 |
| Net interest margin | 7.1942% | 46 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 0.9510% | 4,558 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 5.6751% | 61 |
| Return on assets (ROA) | 5.6751% | 60 |
| Pretax return on assets | 5.9169% | 75 |
| Return on Equity (ROE) | 15.3900% | 1,391 |
| Retained earnings to average equity (ytd only) | -2.5400% | 4,320 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 14.1448% | 4,593 |
| Assets per employee ($millions) | 24.3596% | 62 |
| Cash dividends to net income (ytd only)* | 116.5084% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8579% | 142 |
| Loan loss allowance to noncurrent loans | 89.8330% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 2.6403% | 92 |
| Noncurrent loans to loans | 3.1813% | 128 |
| Net loans and leases to total assets | 80.6200% | 569 |
| Net loans and leases to deposits | 133.1802% | 43 |
| Net loans and leases to core deposits | 447.0429% | 11 |
| Total domestic deposits to total assets | 60.5400% | 4,484 |
| Equity capital to assets | 37.9369% | 139 |
| Core capital (leverage) ratio | 36.1954% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4444% | 149 |
| Memoranda: | ||
| Average total assets | $578,948,000 | 1,529 |
| Average earning assets | $538,158,000 | 1,536 |
| Average equity | $213,543,333 | 502 |
| Average total loans | $462,691,000 | 1,298 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8538% | 40 |
| Cost of funding earning assets | 1.8157% | 437 |
| Net interest margin | 7.0381% | 49 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.0111% | 4,620 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 5.3426% | 73 |
| Return on assets (ROA) | 5.3518% | 72 |
| Pretax return on assets | 5.5415% | 85 |
| Return on Equity (ROE) | 14.7100% | 1,622 |
| Retained earnings to average equity (ytd only) | -7.7163% | 4,423 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 15.3647% | 4,654 |
| Assets per employee ($millions) | 25.8895% | 58 |
| Cash dividends to net income (ytd only)* | 152.4584% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9982% | 124 |
| Loan loss allowance to noncurrent loans | 110.5204% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 112 |
| Noncurrent loans to loans | 2.7128% | 172 |
| Net loans and leases to total assets | 74.7700% | 1,107 |
| Net loans and leases to deposits | 117.8284% | 102 |
| Net loans and leases to core deposits | 428.5065% | 11 |
| Total domestic deposits to total assets | 63.4600% | 4,522 |
| Equity capital to assets | 35.4678% | 106 |
| Core capital (leverage) ratio | 35.9404% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4789% | 156 |
| Memoranda: | ||
| Average total assets | $588,287,000 | 1,529 |
| Average earning assets | $547,019,000 | 1,529 |
| Average equity | $214,040,500 | 514 |
| Average total loans | $461,537,000 | 1,314 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7111% | 32 |
| Cost of funding earning assets | 0.6248% | 811 |
| Net interest margin | 7.0863% | 29 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 0.4568% | 4,689 |
| Loan and lease loss provision to assets | 0.5100% | 117 |
| Net operating income to assets | 5.3134% | 63 |
| Return on assets (ROA) | 5.2922% | 62 |
| Pretax return on assets | 5.5894% | 70 |
| Return on Equity (ROE) | 13.1100% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.0635% | 2,216 |
| Net charge-offs to loans | -0.0966% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 6.9449% | 4,705 |
| Assets per employee ($millions) | 24.2131% | 69 |
| Cash dividends to net income (ytd only)* | 46.1035% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6765% | 177 |
| Loan loss allowance to noncurrent loans | 191.8597% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 363 |
| Noncurrent loans to loans | 1.3951% | 480 |
| Net loans and leases to total assets | 77.7200% | 826 |
| Net loans and leases to deposits | 125.5304% | 54 |
| Net loans and leases to core deposits | 402.3904% | 13 |
| Total domestic deposits to total assets | 61.9100% | 4,566 |
| Equity capital to assets | 37.3222% | 103 |
| Core capital (leverage) ratio | 38.4084% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9078% | 153 |
| Memoranda: | ||
| Average total assets | $520,105,600 | 1,678 |
| Average earning assets | $478,231,600 | 1,681 |
| Average equity | $210,022,400 | 504 |
| Average total loans | $413,933,800 | 1,347 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4406% | 30 |
| Cost of funding earning assets | 0.4082% | 1,228 |
| Net interest margin | 7.0323% | 29 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.3769% | 4,737 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 5.5230% | 62 |
| Return on assets (ROA) | 5.4937% | 60 |
| Pretax return on assets | 5.8442% | 65 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.6641% | 2,126 |
| Net charge-offs to loans | -0.1329% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 5.7919% | 4,744 |
| Assets per employee ($millions) | 21.8360% | 84 |
| Cash dividends to net income (ytd only)* | 42.4382% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6188% | 206 |
| Loan loss allowance to noncurrent loans | 163.3100% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 309 |
| Noncurrent loans to loans | 1.6035% | 426 |
| Net loans and leases to total assets | 76.1800% | 895 |
| Net loans and leases to deposits | 131.9167% | 29 |
| Net loans and leases to core deposits | 339.6488% | 12 |
| Total domestic deposits to total assets | 57.7500% | 4,632 |
| Equity capital to assets | 40.8039% | 94 |
| Core capital (leverage) ratio | 40.9017% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5483% | 134 |
| Memoranda: | ||
| Average total assets | $504,853,250 | 1,713 |
| Average earning assets | $463,107,250 | 1,733 |
| Average equity | $208,306,750 | 510 |
| Average total loans | $401,400,250 | 1,382 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1141% | 33 |
| Cost of funding earning assets | 0.2992% | 1,719 |
| Net interest margin | 6.8149% | 31 |
| Noninterest income to average assets | 0.0389% | 4,665 |
| Noninterest expense to average assets | 0.8037% | 4,721 |
| Loan and lease loss provision to assets | 0.3868% | 150 |
| Net operating income to assets | 4.6888% | 34 |
| Return on assets (ROA) | 4.6597% | 30 |
| Pretax return on assets | 5.0585% | 40 |
| Return on Equity (ROE) | 11.2495% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.0292% | 2,329 |
| Net charge-offs to loans | -0.2007% | 4,591 |
| Credit loss provision to net charge-offs | -241.0000% | 3,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.7963% | 4,763 |
| Assets per employee ($millions) | 21.3540% | 90 |
| Cash dividends to net income (ytd only)* | 46.4049% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6201% | 217 |
| Loan loss allowance to noncurrent loans | 127.2943% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 201 |
| Noncurrent loans to loans | 2.0583% | 311 |
| Net loans and leases to total assets | 77.8570% | 563 |
| Net loans and leases to deposits | 133.9207% | 21 |
| Net loans and leases to core deposits | 309.3659% | 15 |
| Total domestic deposits to total assets | 58.1366% | 4,700 |
| Equity capital to assets | 40.6616% | 50 |
| Core capital (leverage) ratio | 41.5885% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1745% | 97 |
| Memoranda: | ||
| Average total assets | $498,449,333 | 1,730 |
| Average earning assets | $456,529,000 | 1,759 |
| Average equity | $206,462,667 | 516 |
| Average total loans | $398,545,000 | 1,384 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1706% | 33 |
| Cost of funding earning assets | 0.2841% | 1,780 |
| Net interest margin | 6.8865% | 31 |
| Noninterest income to average assets | 0.0415% | 4,677 |
| Noninterest expense to average assets | 0.9613% | 4,729 |
| Loan and lease loss provision to assets | 0.5519% | 83 |
| Net operating income to assets | 4.2967% | 48 |
| Return on assets (ROA) | 4.2627% | 46 |
| Pretax return on assets | 4.7836% | 47 |
| Return on Equity (ROE) | 10.1937% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.1937% | 976 |
| Net charge-offs to loans | -0.4072% | 4,696 |
| Credit loss provision to net charge-offs | -169.5000% | 2,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.1741% | 4,786 |
| Assets per employee ($millions) | 20.7855% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6688% | 236 |
| Loan loss allowance to noncurrent loans | 152.2880% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 277 |
| Noncurrent loans to loans | 1.7525% | 445 |
| Net loans and leases to total assets | 76.3980% | 480 |
| Net loans and leases to deposits | 133.1501% | 14 |
| Net loans and leases to core deposits | 241.5624% | 21 |
| Total domestic deposits to total assets | 57.3773% | 4,736 |
| Equity capital to assets | 41.6534% | 43 |
| Core capital (leverage) ratio | 41.9320% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4790% | 94 |
| Memoranda: | ||
| Average total assets | $491,426,000 | 1,757 |
| Average earning assets | $449,112,500 | 1,793 |
| Average equity | $205,499,500 | 532 |
| Average total loans | $392,942,500 | 1,390 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2872% | 62 |
| Cost of funding earning assets | 0.3563% | 1,881 |
| Net interest margin | 5.9310% | 52 |
| Noninterest income to average assets | 0.3827% | 3,151 |
| Noninterest expense to average assets | 1.0238% | 4,755 |
| Loan and lease loss provision to assets | 0.9833% | 38 |
| Net operating income to assets | 3.6745% | 69 |
| Return on assets (ROA) | 3.7545% | 67 |
| Pretax return on assets | 3.7798% | 88 |
| Return on Equity (ROE) | 8.4150% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.2604% | 3,106 |
| Net charge-offs to loans | 0.9362% | 67 |
| Credit loss provision to net charge-offs | 145.6013% | 1,513 |
| Earnings coverage of net charge-offs (x) | 6.9331% | 2,373 |
| Efficiency ratio | 17.9425% | 4,825 |
| Assets per employee ($millions) | 19.3600% | 115 |
| Cash dividends to net income (ytd only)* | 49.3717% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3767% | 337 |
| Loan loss allowance to noncurrent loans | 120.0769% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.6126% | 249 |
| Noncurrent loans to loans | 1.9793% | 396 |
| Net loans and leases to total assets | 79.5351% | 291 |
| Net loans and leases to deposits | 138.6648% | 13 |
| Net loans and leases to core deposits | 252.7942% | 21 |
| Total domestic deposits to total assets | 57.3579% | 4,775 |
| Equity capital to assets | 41.9855% | 41 |
| Core capital (leverage) ratio | 45.8962% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7611% | 105 |
| Memoranda: | ||
| Average total assets | $449,385,400 | 1,839 |
| Average earning assets | $403,357,000 | 1,896 |
| Average equity | $200,498,400 | 544 |
| Average total loans | $324,185,800 | 1,612 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4877% | 58 |
| Cost of funding earning assets | 0.3725% | 1,913 |
| Net interest margin | 6.1152% | 50 |
| Noninterest income to average assets | 0.0106% | 4,859 |
| Noninterest expense to average assets | 0.9106% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 4.5001% | 56 |
| Return on assets (ROA) | 4.6101% | 54 |
| Pretax return on assets | 4.6806% | 69 |
| Return on Equity (ROE) | 10.1682% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.8971% | 2,874 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6197% | 4,904 |
| Assets per employee ($millions) | 17.7678% | 134 |
| Cash dividends to net income (ytd only)* | 42.0041% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5976% | 247 |
| Loan loss allowance to noncurrent loans | 73.2307% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 3.5606% | 55 |
| Noncurrent loans to loans | 3.5471% | 159 |
| Net loans and leases to total assets | 67.4313% | 1,385 |
| Net loans and leases to deposits | 128.3788% | 26 |
| Net loans and leases to core deposits | 216.3509% | 29 |
| Total domestic deposits to total assets | 52.5252% | 4,861 |
| Equity capital to assets | 45.8248% | 37 |
| Core capital (leverage) ratio | 46.0382% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.8563% | 71 |
| Memoranda: | ||
| Average total assets | $440,731,750 | 1,887 |
| Average earning assets | $394,110,250 | 1,944 |
| Average equity | $199,820,500 | 547 |
| Average total loans | $306,651,750 | 1,703 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4248% | 63 |
| Cost of funding earning assets | 0.3839% | 2,025 |
| Net interest margin | 6.0409% | 56 |
| Noninterest income to average assets | 0.0059% | 4,909 |
| Noninterest expense to average assets | 0.9509% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 4.4543% | 61 |
| Return on assets (ROA) | 4.6254% | 60 |
| Pretax return on assets | 4.6317% | 75 |
| Return on Equity (ROE) | 10.2389% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.1488% | 2,742 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5719% | 4,939 |
| Assets per employee ($millions) | 18.3893% | 123 |
| Cash dividends to net income (ytd only)* | 39.9469% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6579% | 223 |
| Loan loss allowance to noncurrent loans | 118.6572% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.6349% | 122 |
| Noncurrent loans to loans | 2.2400% | 398 |
| Net loans and leases to total assets | 66.2862% | 1,666 |
| Net loans and leases to deposits | 124.5986% | 46 |
| Net loans and leases to core deposits | 209.0957% | 29 |
| Total domestic deposits to total assets | 53.1998% | 4,892 |
| Equity capital to assets | 45.5155% | 38 |
| Core capital (leverage) ratio | 45.2678% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4659% | 69 |
| Memoranda: | ||
| Average total assets | $439,577,000 | 1,880 |
| Average earning assets | $393,353,000 | 1,942 |
| Average equity | $198,576,667 | 544 |
| Average total loans | $306,364,000 | 1,712 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3793% | 70 |
| Cost of funding earning assets | 0.4079% | 2,028 |
| Net interest margin | 5.9714% | 67 |
| Noninterest income to average assets | 0.0046% | 4,931 |
| Noninterest expense to average assets | 0.9492% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.2583% | 68 |
| Return on assets (ROA) | 4.5882% | 67 |
| Pretax return on assets | 4.7477% | 80 |
| Return on Equity (ROE) | 10.1953% | 2,626 |
| Retained earnings to average equity (ytd only) | 10.1953% | 1,605 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.7191% | 4,959 |
| Assets per employee ($millions) | 18.2644% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 239 |
| Loan loss allowance to noncurrent loans | 145.5805% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.3630% | 181 |
| Noncurrent loans to loans | 1.7503% | 680 |
| Net loans and leases to total assets | 69.6960% | 1,333 |
| Net loans and leases to deposits | 130.4579% | 38 |
| Net loans and leases to core deposits | 221.0006% | 30 |
| Total domestic deposits to total assets | 53.4241% | 4,916 |
| Equity capital to assets | 45.5413% | 35 |
| Core capital (leverage) ratio | 44.9800% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7322% | 79 |
| Memoranda: | ||
| Average total assets | $438,693,500 | 1,871 |
| Average earning assets | $393,206,500 | 1,929 |
| Average equity | $197,425,000 | 537 |
| Average total loans | $309,277,000 | 1,701 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0614% | 87 |
| Cost of funding earning assets | 0.7376% | 1,522 |
| Net interest margin | 5.3237% | 83 |
| Noninterest income to average assets | 0.0071% | 4,943 |
| Noninterest expense to average assets | 1.2859% | 4,877 |
| Loan and lease loss provision to assets | 0.1965% | 1,985 |
| Net operating income to assets | 3.1592% | 82 |
| Return on assets (ROA) | 3.1360% | 89 |
| Pretax return on assets | 3.2624% | 105 |
| Return on Equity (ROE) | 6.8943% | 3,250 |
| Retained earnings to average equity (ytd only) | 3.9585% | 2,849 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.9645% | 4,971 |
| Assets per employee ($millions) | 17.5617% | 125 |
| Cash dividends to net income (ytd only)* | 42.5832% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6185% | 220 |
| Loan loss allowance to noncurrent loans | 58.6275% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 3.1033% | 112 |
| Noncurrent loans to loans | 4.4664% | 112 |
| Net loans and leases to total assets | 67.6630% | 1,862 |
| Net loans and leases to deposits | 123.8727% | 58 |
| Net loans and leases to core deposits | 197.6678% | 43 |
| Total domestic deposits to total assets | 54.6230% | 4,933 |
| Equity capital to assets | 44.4654% | 37 |
| Core capital (leverage) ratio | 43.9618% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3369% | 74 |
| Memoranda: | ||
| Average total assets | $422,420,400 | 1,793 |
| Average earning assets | $377,835,400 | 1,843 |
| Average equity | $192,144,400 | 523 |
| Average total loans | $268,016,200 | 1,836 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1775% | 82 |
| Cost of funding earning assets | 0.8259% | 1,376 |
| Net interest margin | 5.3516% | 88 |
| Noninterest income to average assets | 0.0080% | 4,974 |
| Noninterest expense to average assets | 1.2470% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 3.4080% | 71 |
| Return on assets (ROA) | 3.3774% | 74 |
| Pretax return on assets | 3.5068% | 91 |
| Return on Equity (ROE) | 7.3815% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.6226% | 2,732 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.0574% | 5,008 |
| Assets per employee ($millions) | 16.4980% | 132 |
| Cash dividends to net income (ytd only)* | 37.3761% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9365% | 148 |
| Loan loss allowance to noncurrent loans | 65.8934% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.6338% | 189 |
| Noncurrent loans to loans | 4.4565% | 137 |
| Net loans and leases to total assets | 57.3644% | 3,484 |
| Net loans and leases to deposits | 112.7273% | 186 |
| Net loans and leases to core deposits | 175.3463% | 59 |
| Total domestic deposits to total assets | 50.8877% | 4,975 |
| Equity capital to assets | 47.0390% | 33 |
| Core capital (leverage) ratio | 45.8443% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.8978% | 60 |
| Memoranda: | ||
| Average total assets | $418,265,000 | 1,780 |
| Average earning assets | $373,412,500 | 1,834 |
| Average equity | $191,375,000 | 518 |
| Average total loans | $258,756,000 | 1,868 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 102 |
| Cost of funding earning assets | 0.8942% | 1,402 |
| Net interest margin | 5.3904% | 100 |
| Noninterest income to average assets | 0.0094% | 4,995 |
| Noninterest expense to average assets | 0.9157% | 5,019 |
| Loan and lease loss provision to assets | 0.7022% | 393 |
| Net operating income to assets | 3.0704% | 79 |
| Return on assets (ROA) | 3.0255% | 86 |
| Pretax return on assets | 3.1697% | 100 |
| Return on Equity (ROE) | 6.5439% | 3,311 |
| Retained earnings to average equity (ytd only) | 3.8334% | 2,994 |
| Net charge-offs to loans | 1.1070% | 124 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 5.5813% | 2,502 |
| Efficiency ratio | 18.9388% | 5,050 |
| Assets per employee ($millions) | 19.3020% | 87 |
| Cash dividends to net income (ytd only)* | 41.4204% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8303% | 161 |
| Loan loss allowance to noncurrent loans | 37.8991% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 4.4477% | 67 |
| Noncurrent loans to loans | 7.4681% | 55 |
| Net loans and leases to total assets | 57.8708% | 3,527 |
| Net loans and leases to deposits | 112.9665% | 173 |
| Net loans and leases to core deposits | 176.8535% | 57 |
| Total domestic deposits to total assets | 51.2283% | 5,005 |
| Equity capital to assets | 46.8739% | 34 |
| Core capital (leverage) ratio | 44.2696% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.0250% | 54 |
| Memoranda: | ||
| Average total assets | $427,235,000 | 1,726 |
| Average earning assets | $382,457,000 | 1,775 |
| Average equity | $197,527,667 | 501 |
| Average total loans | $270,995,333 | 1,793 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6902% | 72 |
| Cost of funding earning assets | 0.9699% | 1,566 |
| Net interest margin | 5.7203% | 69 |
| Noninterest income to average assets | 0.0065% | 5,050 |
| Noninterest expense to average assets | 1.0874% | 5,048 |
| Loan and lease loss provision to assets | 1.4001% | 119 |
| Net operating income to assets | 2.4801% | 112 |
| Return on assets (ROA) | 2.4801% | 119 |
| Pretax return on assets | 2.6444% | 133 |
| Return on Equity (ROE) | 5.4013% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.4013% | 2,114 |
| Net charge-offs to loans | 2.1425% | 64 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 2.8887% | 2,246 |
| Efficiency ratio | 21.1895% | 5,089 |
| Assets per employee ($millions) | 18.5807% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 244 |
| Loan loss allowance to noncurrent loans | 30.2331% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 5.5401% | 56 |
| Noncurrent loans to loans | 8.2796% | 43 |
| Net loans and leases to total assets | 65.2380% | 2,905 |
| Net loans and leases to deposits | 124.7005% | 62 |
| Net loans and leases to core deposits | 192.5760% | 44 |
| Total domestic deposits to total assets | 52.3158% | 5,063 |
| Equity capital to assets | 46.0917% | 38 |
| Core capital (leverage) ratio | 44.6000% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6079% | 74 |
| Memoranda: | ||
| Average total assets | $428,530,500 | 1,677 |
| Average earning assets | $383,965,500 | 1,728 |
| Average equity | $196,768,000 | 505 |
| Average total loans | $280,041,500 | 1,715 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8901% | 45 |
| Cost of funding earning assets | 0.9553% | 1,928 |
| Net interest margin | 6.9348% | 40 |
| Noninterest income to average assets | 0.0084% | 5,113 |
| Noninterest expense to average assets | 0.5283% | 5,156 |
| Loan and lease loss provision to assets | 0.1069% | 1,947 |
| Net operating income to assets | 5.3018% | 36 |
| Return on assets (ROA) | 5.3042% | 39 |
| Pretax return on assets | 5.5496% | 45 |
| Return on Equity (ROE) | 11.9111% | 1,546 |
| Retained earnings to average equity (ytd only) | 1.5158% | 4,195 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.5448% | 5,171 |
| Assets per employee ($millions) | 18.1062% | 81 |
| Cash dividends to net income (ytd only)* | 87.2742% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1763% | 106 |
| Loan loss allowance to noncurrent loans | 45.2867% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 4.4504% | 77 |
| Noncurrent loans to loans | 7.0138% | 45 |
| Net loans and leases to total assets | 61.4359% | 3,456 |
| Net loans and leases to deposits | 117.1338% | 99 |
| Net loans and leases to core deposits | 180.5785% | 53 |
| Total domestic deposits to total assets | 52.4493% | 5,120 |
| Equity capital to assets | 46.3142% | 40 |
| Core capital (leverage) ratio | 44.5863% | 44 |
| Tier 1 risk-based capital ratio | 54.3573% | 114 |
| Total risk-based capital ratio | 55.6245% | 113 |
| Memoranda: | ||
| Average total assets | $451,851,000 | 1,551 |
| Average earning assets | $402,276,400 | 1,615 |
| Average equity | $201,215,400 | 473 |
| Average total loans | $300,400,200 | 1,601 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3014% | 61 |
| Cost of funding earning assets | 0.9457% | 2,007 |
| Net interest margin | 6.3557% | 50 |
| Noninterest income to average assets | 0.0085% | 5,190 |
| Noninterest expense to average assets | 0.7047% | 5,228 |
| Loan and lease loss provision to assets | 0.1412% | 1,365 |
| Net operating income to assets | 4.5239% | 44 |
| Return on assets (ROA) | 4.5239% | 46 |
| Pretax return on assets | 4.8296% | 52 |
| Return on Equity (ROE) | 10.2566% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.7122% | 3,050 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.4163% | 5,245 |
| Assets per employee ($millions) | 18.1859% | 73 |
| Cash dividends to net income (ytd only)* | 54.0574% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 162 |
| Loan loss allowance to noncurrent loans | 33.9681% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 5.6710% | 56 |
| Noncurrent loans to loans | 8.1178% | 46 |
| Net loans and leases to total assets | 67.9319% | 2,798 |
| Net loans and leases to deposits | 128.6386% | 47 |
| Net loans and leases to core deposits | 214.7095% | 41 |
| Total domestic deposits to total assets | 52.8083% | 5,198 |
| Equity capital to assets | 45.1523% | 43 |
| Core capital (leverage) ratio | 44.6263% | 43 |
| Tier 1 risk-based capital ratio | 48.6491% | 145 |
| Total risk-based capital ratio | 49.9122% | 142 |
| Memoranda: | ||
| Average total assets | $456,176,500 | 1,540 |
| Average earning assets | $406,742,250 | 1,603 |
| Average equity | $201,204,750 | 475 |
| Average total loans | $306,568,500 | 1,590 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1697% | 67 |
| Cost of funding earning assets | 0.9253% | 2,032 |
| Net interest margin | 6.2444% | 56 |
| Noninterest income to average assets | 0.0092% | 5,237 |
| Noninterest expense to average assets | 0.8965% | 5,264 |
| Loan and lease loss provision to assets | 0.2115% | 796 |
| Net operating income to assets | 4.2138% | 44 |
| Return on assets (ROA) | 4.2138% | 47 |
| Pretax return on assets | 4.4722% | 53 |
| Return on Equity (ROE) | 9.6295% | 2,568 |
| Retained earnings to average equity (ytd only) | 4.4394% | 3,045 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.0650% | 5,284 |
| Assets per employee ($millions) | 17.5255% | 71 |
| Cash dividends to net income (ytd only)* | 53.8973% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8933% | 143 |
| Loan loss allowance to noncurrent loans | 49.3131% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 3.8976% | 117 |
| Noncurrent loans to loans | 5.8672% | 72 |
| Net loans and leases to total assets | 64.5089% | 3,287 |
| Net loans and leases to deposits | 119.7582% | 89 |
| Net loans and leases to core deposits | 202.5956% | 43 |
| Total domestic deposits to total assets | 53.8660% | 5,239 |
| Equity capital to assets | 44.4428% | 42 |
| Core capital (leverage) ratio | 43.5148% | 44 |
| Tier 1 risk-based capital ratio | 49.7136% | 140 |
| Total risk-based capital ratio | 50.9780% | 136 |
| Memoranda: | ||
| Average total assets | $456,686,000 | 1,544 |
| Average earning assets | $407,437,330 | 1,602 |
| Average equity | $199,845,000 | 470 |
| Average total loans | $302,888,330 | 1,607 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8946% | 75 |
| Cost of funding earning assets | 0.8983% | 2,014 |
| Net interest margin | 5.9962% | 68 |
| Noninterest income to average assets | 0.5241% | 2,417 |
| Noninterest expense to average assets | 1.4688% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.1960% | 53 |
| Return on assets (ROA) | 4.1960% | 56 |
| Pretax return on assets | 4.3783% | 60 |
| Return on Equity (ROE) | 9.6994% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.6994% | 1,108 |
| Net charge-offs to loans | 2.3198% | 46 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.8549% | 2,450 |
| Efficiency ratio | 25.1199% | 5,334 |
| Assets per employee ($millions) | 16.1703% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9893% | 135 |
| Loan loss allowance to noncurrent loans | 48.8121% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 4.5985% | 77 |
| Noncurrent loans to loans | 6.1240% | 74 |
| Net loans and leases to total assets | 72.8448% | 2,014 |
| Net loans and leases to deposits | 138.6171% | 25 |
| Net loans and leases to core deposits | 257.4506% | 31 |
| Total domestic deposits to total assets | 52.5511% | 5,311 |
| Equity capital to assets | 45.8932% | 39 |
| Core capital (leverage) ratio | 43.2552% | 41 |
| Tier 1 risk-based capital ratio | 46.6728% | 158 |
| Total risk-based capital ratio | 47.9393% | 157 |
| Memoranda: | ||
| Average total assets | $456,434,500 | 1,556 |
| Average earning assets | $405,188,000 | 1,616 |
| Average equity | $197,454,500 | 476 |
| Average total loans | $301,749,000 | 1,624 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5788% | 51 |
| Cost of funding earning assets | 0.7521% | 1,777 |
| Net interest margin | 6.8266% | 43 |
| Noninterest income to average assets | 0.0066% | 5,341 |
| Noninterest expense to average assets | 0.5981% | 5,386 |
| Loan and lease loss provision to assets | -0.2388% | 5,349 |
| Net operating income to assets | 5.6210% | 33 |
| Return on assets (ROA) | 5.6210% | 33 |
| Pretax return on assets | 5.7989% | 38 |
| Return on Equity (ROE) | 14.0161% | 1,037 |
| Retained earnings to average equity (ytd only) | 8.3101% | 1,114 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.7121% | 5,397 |
| Assets per employee ($millions) | 17.6397% | 65 |
| Cash dividends to net income (ytd only)* | 40.7101% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1900% | 50 |
| Loan loss allowance to noncurrent loans | 73.7501% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 4.1733% | 103 |
| Noncurrent loans to loans | 5.6813% | 88 |
| Net loans and leases to total assets | 55.4535% | 4,167 |
| Net loans and leases to deposits | 95.7017% | 1,101 |
| Net loans and leases to core deposits | 158.7098% | 98 |
| Total domestic deposits to total assets | 57.9441% | 5,334 |
| Equity capital to assets | 40.8465% | 48 |
| Core capital (leverage) ratio | 40.1162% | 49 |
| Tier 1 risk-based capital ratio | 54.2181% | 114 |
| Total risk-based capital ratio | 55.4936% | 109 |
| Memoranda: | ||
| Average total assets | $466,982,800 | 1,497 |
| Average earning assets | $420,808,000 | 1,524 |
| Average equity | $187,277,200 | 475 |
| Average total loans | $311,775,600 | 1,548 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2568% | 57 |
| Cost of funding earning assets | 0.7006% | 1,843 |
| Net interest margin | 6.5562% | 46 |
| Noninterest income to average assets | 0.0055% | 5,418 |
| Noninterest expense to average assets | 0.6901% | 5,451 |
| Loan and lease loss provision to assets | -0.3199% | 5,430 |
| Net operating income to assets | 5.3741% | 32 |
| Return on assets (ROA) | 5.3741% | 32 |
| Pretax return on assets | 5.5641% | 41 |
| Return on Equity (ROE) | 13.4645% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.8814% | 1,709 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.6290% | 5,468 |
| Assets per employee ($millions) | 16.7628% | 76 |
| Cash dividends to net income (ytd only)* | 41.4651% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5901% | 81 |
| Loan loss allowance to noncurrent loans | 50.4367% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 5.5795% | 65 |
| Noncurrent loans to loans | 7.1180% | 56 |
| Net loans and leases to total assets | 63.8051% | 3,450 |
| Net loans and leases to deposits | 108.5486% | 334 |
| Net loans and leases to core deposits | 177.9967% | 54 |
| Total domestic deposits to total assets | 58.7802% | 5,402 |
| Equity capital to assets | 39.2980% | 47 |
| Core capital (leverage) ratio | 39.7931% | 47 |
| Tier 1 risk-based capital ratio | 47.0871% | 158 |
| Total risk-based capital ratio | 48.3582% | 157 |
| Memoranda: | ||
| Average total assets | $464,660,750 | 1,514 |
| Average earning assets | $420,190,500 | 1,535 |
| Average equity | $185,461,500 | 476 |
| Average total loans | $320,804,750 | 1,520 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0970% | 62 |
| Cost of funding earning assets | 0.6518% | 1,919 |
| Net interest margin | 6.4452% | 50 |
| Noninterest income to average assets | 0.0048% | 5,480 |
| Noninterest expense to average assets | 0.8179% | 5,510 |
| Loan and lease loss provision to assets | -0.2798% | 5,489 |
| Net operating income to assets | 5.1160% | 33 |
| Return on assets (ROA) | 5.1160% | 33 |
| Pretax return on assets | 5.3149% | 40 |
| Return on Equity (ROE) | 12.7481% | 1,460 |
| Retained earnings to average equity (ytd only) | 7.1426% | 2,005 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.9742% | 5,525 |
| Assets per employee ($millions) | 17.2124% | 65 |
| Cash dividends to net income (ytd only)* | 43.9716% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6989% | 69 |
| Loan loss allowance to noncurrent loans | 32.7407% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 8.8134% | 31 |
| Noncurrent loans to loans | 11.2976% | 25 |
| Net loans and leases to total assets | 67.3653% | 2,969 |
| Net loans and leases to deposits | 116.4963% | 150 |
| Net loans and leases to core deposits | 169.7138% | 63 |
| Total domestic deposits to total assets | 57.8262% | 5,464 |
| Equity capital to assets | 40.1837% | 49 |
| Core capital (leverage) ratio | 40.2783% | 46 |
| Tier 1 risk-based capital ratio | 46.0121% | 167 |
| Total risk-based capital ratio | 47.2848% | 161 |
| Memoranda: | ||
| Average total assets | $457,507,330 | 1,538 |
| Average earning assets | $415,131,670 | 1,562 |
| Average equity | $183,603,330 | 477 |
| Average total loans | $320,499,670 | 1,524 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6974% | 70 |
| Cost of funding earning assets | 0.6290% | 1,852 |
| Net interest margin | 6.0684% | 65 |
| Noninterest income to average assets | 0.0071% | 5,553 |
| Noninterest expense to average assets | 1.0778% | 5,548 |
| Loan and lease loss provision to assets | -0.5640% | 5,580 |
| Net operating income to assets | 4.8434% | 40 |
| Return on assets (ROA) | 4.8434% | 40 |
| Pretax return on assets | 5.0285% | 46 |
| Return on Equity (ROE) | 12.0771% | 1,556 |
| Retained earnings to average equity (ytd only) | 5.6386% | 2,877 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.4467% | 5,592 |
| Assets per employee ($millions) | 17.8974% | 60 |
| Cash dividends to net income (ytd only)* | 53.3115% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7775% | 72 |
| Loan loss allowance to noncurrent loans | 36.3172% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 8.3467% | 32 |
| Noncurrent loans to loans | 10.4013% | 24 |
| Net loans and leases to total assets | 68.4593% | 2,707 |
| Net loans and leases to deposits | 119.2095% | 122 |
| Net loans and leases to core deposits | 179.2523% | 51 |
| Total domestic deposits to total assets | 57.4277% | 5,533 |
| Equity capital to assets | 40.9122% | 46 |
| Core capital (leverage) ratio | 40.8935% | 45 |
| Tier 1 risk-based capital ratio | 46.0644% | 163 |
| Total risk-based capital ratio | 47.3383% | 158 |
| Memoranda: | ||
| Average total assets | $453,893,000 | 1,557 |
| Average earning assets | $414,010,500 | 1,569 |
| Average equity | $182,031,000 | 483 |
| Average total loans | $318,201,500 | 1,530 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2888% | 52 |
| Cost of funding earning assets | 0.6221% | 1,455 |
| Net interest margin | 6.6667% | 47 |
| Noninterest income to average assets | 0.0197% | 5,585 |
| Noninterest expense to average assets | 0.6012% | 5,645 |
| Loan and lease loss provision to assets | -0.1623% | 5,548 |
| Net operating income to assets | 5.6597% | 27 |
| Return on assets (ROA) | 5.6597% | 27 |
| Pretax return on assets | 5.8560% | 38 |
| Return on Equity (ROE) | 15.0605% | 599 |
| Retained earnings to average equity (ytd only) | 2.0671% | 4,078 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.5501% | 5,660 |
| Assets per employee ($millions) | 17.0501% | 64 |
| Cash dividends to net income (ytd only)* | 86.2749% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9819% | 61 |
| Loan loss allowance to noncurrent loans | 53.3578% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 6.0773% | 64 |
| Noncurrent loans to loans | 7.4626% | 51 |
| Net loans and leases to total assets | 66.3412% | 3,051 |
| Net loans and leases to deposits | 111.9455% | 216 |
| Net loans and leases to core deposits | 162.5747% | 82 |
| Total domestic deposits to total assets | 59.2620% | 5,592 |
| Equity capital to assets | 39.3193% | 44 |
| Core capital (leverage) ratio | 37.7205% | 47 |
| Tier 1 risk-based capital ratio | 47.0942% | 138 |
| Total risk-based capital ratio | 48.3714% | 134 |
| Memoranda: | ||
| Average total assets | $486,223,400 | 1,442 |
| Average earning assets | $457,663,600 | 1,419 |
| Average equity | $182,722,800 | 467 |
| Average total loans | $366,534,800 | 1,321 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3416% | 51 |
| Cost of funding earning assets | 0.6164% | 1,424 |
| Net interest margin | 6.7252% | 45 |
| Noninterest income to average assets | 0.0241% | 5,644 |
| Noninterest expense to average assets | 0.6644% | 5,712 |
| Loan and lease loss provision to assets | -0.2135% | 5,661 |
| Net operating income to assets | 5.6840% | 29 |
| Return on assets (ROA) | 5.6840% | 29 |
| Pretax return on assets | 5.9389% | 42 |
| Return on Equity (ROE) | 15.2904% | 616 |
| Retained earnings to average equity (ytd only) | 7.8265% | 1,290 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.3973% | 5,731 |
| Assets per employee ($millions) | 17.9093% | 62 |
| Cash dividends to net income (ytd only)* | 48.8145% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7321% | 84 |
| Loan loss allowance to noncurrent loans | 52.4300% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 5.8763% | 73 |
| Noncurrent loans to loans | 7.1183% | 69 |
| Net loans and leases to total assets | 67.5596% | 2,905 |
| Net loans and leases to deposits | 114.0723% | 179 |
| Net loans and leases to core deposits | 168.3992% | 72 |
| Total domestic deposits to total assets | 59.2253% | 5,659 |
| Equity capital to assets | 38.8502% | 45 |
| Core capital (leverage) ratio | 38.1084% | 48 |
| Tier 1 risk-based capital ratio | 47.1992% | 146 |
| Total risk-based capital ratio | 48.4753% | 146 |
| Memoranda: | ||
| Average total assets | $492,691,250 | 1,433 |
| Average earning assets | $466,353,000 | 1,402 |
| Average equity | $183,151,750 | 470 |
| Average total loans | $378,651,500 | 1,299 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0841% | 58 |
| Cost of funding earning assets | 0.6077% | 1,395 |
| Net interest margin | 6.4763% | 53 |
| Noninterest income to average assets | 0.0069% | 5,719 |
| Noninterest expense to average assets | 0.6895% | 5,762 |
| Loan and lease loss provision to assets | -0.3183% | 5,734 |
| Net operating income to assets | 5.5376% | 35 |
| Return on assets (ROA) | 5.5376% | 35 |
| Pretax return on assets | 5.7966% | 44 |
| Return on Equity (ROE) | 15.1182% | 640 |
| Retained earnings to average equity (ytd only) | 6.7848% | 1,693 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1787% | 5,779 |
| Assets per employee ($millions) | 18.1446% | 57 |
| Cash dividends to net income (ytd only)* | 55.1217% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2638% | 127 |
| Loan loss allowance to noncurrent loans | 42.4260% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 6.2210% | 69 |
| Noncurrent loans to loans | 7.6930% | 53 |
| Net loans and leases to total assets | 76.6222% | 1,445 |
| Net loans and leases to deposits | 125.1058% | 64 |
| Net loans and leases to core deposits | 190.2116% | 50 |
| Total domestic deposits to total assets | 61.2459% | 5,693 |
| Equity capital to assets | 37.3932% | 45 |
| Core capital (leverage) ratio | 36.6769% | 48 |
| Tier 1 risk-based capital ratio | 41.3690% | 193 |
| Total risk-based capital ratio | 42.6411% | 191 |
| Memoranda: | ||
| Average total assets | $495,737,670 | 1,427 |
| Average earning assets | $471,593,000 | 1,394 |
| Average equity | $181,582,000 | 473 |
| Average total loans | $391,751,670 | 1,263 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3090% | 51 |
| Cost of funding earning assets | 0.5967% | 1,396 |
| Net interest margin | 6.7122% | 44 |
| Noninterest income to average assets | 0.0096% | 5,793 |
| Noninterest expense to average assets | 0.6602% | 5,833 |
| Loan and lease loss provision to assets | -0.6329% | 5,839 |
| Net operating income to assets | 6.1582% | 32 |
| Return on assets (ROA) | 6.1582% | 32 |
| Pretax return on assets | 6.3707% | 40 |
| Return on Equity (ROE) | 16.9866% | 414 |
| Retained earnings to average equity (ytd only) | 16.9866% | 167 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.3185% | 5,849 |
| Assets per employee ($millions) | 17.9507% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2224% | 142 |
| Loan loss allowance to noncurrent loans | 43.6513% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 5.8979% | 83 |
| Noncurrent loans to loans | 7.3820% | 72 |
| Net loans and leases to total assets | 75.6776% | 1,463 |
| Net loans and leases to deposits | 121.5508% | 79 |
| Net loans and leases to core deposits | 189.9352% | 42 |
| Total domestic deposits to total assets | 62.2601% | 5,755 |
| Equity capital to assets | 36.7533% | 49 |
| Core capital (leverage) ratio | 37.1961% | 50 |
| Tier 1 risk-based capital ratio | 40.6086% | 216 |
| Total risk-based capital ratio | 41.8799% | 213 |
| Memoranda: | ||
| Average total assets | $498,654,500 | 1,427 |
| Average earning assets | $474,595,500 | 1,395 |
| Average equity | $180,777,500 | 471 |
| Average total loans | $393,607,500 | 1,260 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3042% | 51 |
| Cost of funding earning assets | 0.5164% | 1,970 |
| Net interest margin | 6.7878% | 44 |
| Noninterest income to average assets | 0.0348% | 5,808 |
| Noninterest expense to average assets | 0.6295% | 5,887 |
| Loan and lease loss provision to assets | 0.3943% | 396 |
| Net operating income to assets | 5.2407% | 31 |
| Return on assets (ROA) | 5.2929% | 32 |
| Pretax return on assets | 5.4684% | 44 |
| Return on Equity (ROE) | 13.5157% | 869 |
| Retained earnings to average equity (ytd only) | 0.5843% | 5,095 |
| Net charge-offs to loans | 0.0422% | 3,191 |
| Credit loss provision to net charge-offs | 1,202.6667% | 324 |
| Earnings coverage of net charge-offs (x) | 177.1867% | 367 |
| Efficiency ratio | 9.7766% | 5,907 |
| Assets per employee ($millions) | 18.3219% | 56 |
| Cash dividends to net income (ytd only)* | 95.6766% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4132% | 120 |
| Loan loss allowance to noncurrent loans | 41.9284% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 6.6144% | 78 |
| Noncurrent loans to loans | 8.1404% | 51 |
| Net loans and leases to total assets | 76.9625% | 1,368 |
| Net loans and leases to deposits | 121.4410% | 79 |
| Net loans and leases to core deposits | 188.9187% | 46 |
| Total domestic deposits to total assets | 63.3744% | 5,797 |
| Equity capital to assets | 35.7448% | 57 |
| Core capital (leverage) ratio | 35.0495% | 55 |
| Tier 1 risk-based capital ratio | 38.4860% | 244 |
| Total risk-based capital ratio | 39.7595% | 241 |
| Memoranda: | ||
| Average total assets | $457,537,200 | 1,492 |
| Average earning assets | $431,645,000 | 1,469 |
| Average equity | $179,177,400 | 462 |
| Average total loans | $355,107,600 | 1,319 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0129% | 56 |
| Cost of funding earning assets | 0.4771% | 2,295 |
| Net interest margin | 6.5357% | 50 |
| Noninterest income to average assets | 0.0333% | 5,874 |
| Noninterest expense to average assets | 0.7707% | 5,946 |
| Loan and lease loss provision to assets | 0.5366% | 223 |
| Net operating income to assets | 4.6519% | 41 |
| Return on assets (ROA) | 4.7214% | 38 |
| Pretax return on assets | 4.9516% | 54 |
| Return on Equity (ROE) | 11.7728% | 1,396 |
| Retained earnings to average equity (ytd only) | 4.1809% | 3,346 |
| Net charge-offs to loans | 0.0579% | 2,526 |
| Credit loss provision to net charge-offs | 1,202.6667% | 347 |
| Earnings coverage of net charge-offs (x) | 121.3637% | 568 |
| Efficiency ratio | 12.4591% | 5,974 |
| Assets per employee ($millions) | 18.1151% | 55 |
| Cash dividends to net income (ytd only)* | 64.4869% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2033% | 147 |
| Loan loss allowance to noncurrent loans | 57.6559% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 4.9014% | 152 |
| Noncurrent loans to loans | 5.5559% | 136 |
| Net loans and leases to total assets | 83.1211% | 499 |
| Net loans and leases to deposits | 136.1358% | 30 |
| Net loans and leases to core deposits | 226.3401% | 37 |
| Total domestic deposits to total assets | 61.0575% | 5,879 |
| Equity capital to assets | 37.2145% | 49 |
| Core capital (leverage) ratio | 36.7717% | 50 |
| Tier 1 risk-based capital ratio | 38.4655% | 254 |
| Total risk-based capital ratio | 39.7392% | 253 |
| Memoranda: | ||
| Average total assets | $448,249,000 | 1,515 |
| Average earning assets | $421,957,500 | 1,493 |
| Average equity | $179,765,250 | 467 |
| Average total loans | $345,339,500 | 1,355 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6067% | 71 |
| Cost of funding earning assets | 0.4249% | 2,777 |
| Net interest margin | 6.1818% | 63 |
| Noninterest income to average assets | 0.0460% | 5,922 |
| Noninterest expense to average assets | 0.7491% | 6,029 |
| Loan and lease loss provision to assets | 0.2494% | 776 |
| Net operating income to assets | 4.5857% | 40 |
| Return on assets (ROA) | 4.6513% | 40 |
| Pretax return on assets | 4.9136% | 55 |
| Return on Equity (ROE) | 11.2930% | 1,544 |
| Retained earnings to average equity (ytd only) | 3.7126% | 3,527 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.8209% | 6,050 |
| Assets per employee ($millions) | 17.8595% | 56 |
| Cash dividends to net income (ytd only)* | 67.1250% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5101% | 121 |
| Loan loss allowance to noncurrent loans | 52.0079% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 5.7011% | 114 |
| Noncurrent loans to loans | 6.7492% | 94 |
| Net loans and leases to total assets | 70.3581% | 2,424 |
| Net loans and leases to deposits | 114.4284% | 172 |
| Net loans and leases to core deposits | 224.0315% | 38 |
| Total domestic deposits to total assets | 61.4866% | 5,959 |
| Equity capital to assets | 37.2903% | 50 |
| Core capital (leverage) ratio | 40.1581% | 46 |
| Tier 1 risk-based capital ratio | 45.2651% | 172 |
| Total risk-based capital ratio | 46.5454% | 170 |
| Memoranda: | ||
| Average total assets | $434,629,330 | 1,566 |
| Average earning assets | $407,584,670 | 1,539 |
| Average equity | $179,014,000 | 467 |
| Average total loans | $320,450,670 | 1,453 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8446% | 60 |
| Cost of funding earning assets | 0.4193% | 2,864 |
| Net interest margin | 6.4253% | 53 |
| Noninterest income to average assets | 0.0652% | 5,921 |
| Noninterest expense to average assets | 0.6143% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 5.2575% | 39 |
| Return on assets (ROA) | 5.2575% | 39 |
| Pretax return on assets | 5.4483% | 47 |
| Return on Equity (ROE) | 12.0932% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.0932% | 496 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.1333% | 6,114 |
| Assets per employee ($millions) | 15.4693% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0438% | 88 |
| Loan loss allowance to noncurrent loans | 48.5917% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 6.7170% | 96 |
| Noncurrent loans to loans | 8.3220% | 65 |
| Net loans and leases to total assets | 67.0400% | 2,803 |
| Net loans and leases to deposits | 120.6730% | 95 |
| Net loans and leases to core deposits | 213.0214% | 38 |
| Total domestic deposits to total assets | 55.5551% | 6,059 |
| Equity capital to assets | 43.4281% | 41 |
| Core capital (leverage) ratio | 43.7086% | 41 |
| Tier 1 risk-based capital ratio | 53.5533% | 116 |
| Total risk-based capital ratio | 54.8389% | 115 |
| Memoranda: | ||
| Average total assets | $410,841,000 | 1,644 |
| Average earning assets | $383,482,500 | 1,632 |
| Average equity | $178,613,000 | 466 |
| Average total loans | $304,869,500 | 1,500 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5708% | 46 |
| Cost of funding earning assets | 0.4448% | 2,685 |
| Net interest margin | 7.1259% | 41 |
| Noninterest income to average assets | 0.1075% | 5,853 |
| Noninterest expense to average assets | 0.6172% | 6,153 |
| Loan and lease loss provision to assets | -0.1343% | 5,904 |
| Net operating income to assets | 6.0037% | 34 |
| Return on assets (ROA) | 6.0092% | 33 |
| Pretax return on assets | 6.2653% | 40 |
| Return on Equity (ROE) | 13.8343% | 875 |
| Retained earnings to average equity (ytd only) | 6.4086% | 1,595 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.1545% | 6,176 |
| Assets per employee ($millions) | 14.9634% | 83 |
| Cash dividends to net income (ytd only)* | 53.6761% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7115% | 105 |
| Loan loss allowance to noncurrent loans | 38.6151% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 8.4983% | 69 |
| Noncurrent loans to loans | 9.6115% | 49 |
| Net loans and leases to total assets | 75.7732% | 1,454 |
| Net loans and leases to deposits | 136.3700% | 24 |
| Net loans and leases to core deposits | 246.7342% | 33 |
| Total domestic deposits to total assets | 55.5644% | 6,116 |
| Equity capital to assets | 43.5235% | 43 |
| Core capital (leverage) ratio | 42.9667% | 44 |
| Tier 1 risk-based capital ratio | 45.9998% | 156 |
| Total risk-based capital ratio | 47.3099% | 150 |
| Memoranda: | ||
| Average total assets | $394,508,600 | 1,669 |
| Average earning assets | $367,320,200 | 1,654 |
| Average equity | $171,363,600 | 467 |
| Average total loans | $300,835,800 | 1,467 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4979% | 49 |
| Cost of funding earning assets | 0.4482% | 2,708 |
| Net interest margin | 7.0497% | 44 |
| Noninterest income to average assets | 0.1064% | 5,936 |
| Noninterest expense to average assets | 0.4597% | 6,251 |
| Loan and lease loss provision to assets | -0.1802% | 6,084 |
| Net operating income to assets | 6.0408% | 36 |
| Return on assets (ROA) | 6.0481% | 36 |
| Pretax return on assets | 6.4018% | 37 |
| Return on Equity (ROE) | 13.9310% | 926 |
| Retained earnings to average equity (ytd only) | 6.4932% | 1,962 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.8885% | 6,263 |
| Assets per employee ($millions) | 15.5053% | 75 |
| Cash dividends to net income (ytd only)* | 53.3899% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7715% | 112 |
| Loan loss allowance to noncurrent loans | 60.7965% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 5.7521% | 150 |
| Noncurrent loans to loans | 6.2034% | 127 |
| Net loans and leases to total assets | 74.6835% | 1,608 |
| Net loans and leases to deposits | 134.8030% | 26 |
| Net loans and leases to core deposits | 244.4978% | 37 |
| Total domestic deposits to total assets | 55.4020% | 6,201 |
| Equity capital to assets | 43.0107% | 45 |
| Core capital (leverage) ratio | 42.4080% | 45 |
| Tier 1 risk-based capital ratio | 46.0560% | 168 |
| Total risk-based capital ratio | 47.3853% | 161 |
| Memoranda: | ||
| Average total assets | $392,132,750 | 1,692 |
| Average earning assets | $365,285,500 | 1,673 |
| Average equity | $170,244,500 | 474 |
| Average total loans | $296,561,500 | 1,492 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4735% | 49 |
| Cost of funding earning assets | 0.4498% | 2,731 |
| Net interest margin | 7.0237% | 44 |
| Noninterest income to average assets | 0.1194% | 5,945 |
| Noninterest expense to average assets | 0.6013% | 6,320 |
| Loan and lease loss provision to assets | -0.2729% | 6,215 |
| Net operating income to assets | 5.9805% | 41 |
| Return on assets (ROA) | 5.9918% | 40 |
| Pretax return on assets | 6.3393% | 47 |
| Return on Equity (ROE) | 13.7569% | 954 |
| Retained earnings to average equity (ytd only) | 6.2709% | 2,077 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.0347% | 6,340 |
| Assets per employee ($millions) | 14.5791% | 82 |
| Cash dividends to net income (ytd only)* | 54.4166% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7418% | 133 |
| Loan loss allowance to noncurrent loans | 60.2563% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 5.9362% | 163 |
| Noncurrent loans to loans | 6.2098% | 149 |
| Net loans and leases to total assets | 77.1159% | 1,199 |
| Net loans and leases to deposits | 139.1999% | 23 |
| Net loans and leases to core deposits | 237.6898% | 37 |
| Total domestic deposits to total assets | 55.3994% | 6,273 |
| Equity capital to assets | 43.2859% | 43 |
| Core capital (leverage) ratio | 43.0887% | 44 |
| Tier 1 risk-based capital ratio | 44.8031% | 199 |
| Total risk-based capital ratio | 46.1274% | 195 |
| Memoranda: | ||
| Average total assets | $388,464,670 | 1,712 |
| Average earning assets | $361,516,670 | 1,693 |
| Average equity | $169,195,330 | 478 |
| Average total loans | $291,123,000 | 1,514 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5299% | 46 |
| Cost of funding earning assets | 0.4503% | 2,765 |
| Net interest margin | 7.0796% | 43 |
| Noninterest income to average assets | 0.0841% | 6,137 |
| Noninterest expense to average assets | 0.3937% | 6,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 6.0546% | 39 |
| Return on assets (ROA) | 6.0546% | 40 |
| Pretax return on assets | 6.2728% | 48 |
| Return on Equity (ROE) | 13.8841% | 905 |
| Retained earnings to average equity (ytd only) | 13.8841% | 370 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.9062% | 6,409 |
| Assets per employee ($millions) | 14.2887% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8776% | 73 |
| Loan loss allowance to noncurrent loans | 69.7133% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 5.8816% | 177 |
| Noncurrent loans to loans | 6.9967% | 127 |
| Net loans and leases to total assets | 66.6244% | 2,668 |
| Net loans and leases to deposits | 121.7670% | 75 |
| Net loans and leases to core deposits | 209.0957% | 43 |
| Total domestic deposits to total assets | 54.7147% | 6,346 |
| Equity capital to assets | 44.3286% | 44 |
| Core capital (leverage) ratio | 43.6211% | 45 |
| Tier 1 risk-based capital ratio | 51.7192% | 141 |
| Total risk-based capital ratio | 53.0927% | 138 |
| Memoranda: | ||
| Average total assets | $385,029,000 | 1,734 |
| Average earning assets | $357,986,500 | 1,714 |
| Average equity | $167,904,500 | 482 |
| Average total loans | $279,006,500 | 1,563 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3185% | 40 |
| Cost of funding earning assets | 0.4662% | 3,012 |
| Net interest margin | 7.8522% | 39 |
| Noninterest income to average assets | -0.6319% | 6,498 |
| Noninterest expense to average assets | 0.9404% | 6,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 5.3943% | 38 |
| Return on assets (ROA) | 5.3980% | 38 |
| Pretax return on assets | 5.5879% | 48 |
| Return on Equity (ROE) | 13.3534% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.0935% | 1,359 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4132% | 6,497 |
| Assets per employee ($millions) | 14.2320% | 85 |
| Cash dividends to net income (ytd only)* | 46.8790% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5796% | 90 |
| Loan loss allowance to noncurrent loans | 575.5459% | 955 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 1,709 |
| Noncurrent loans to loans | 0.7957% | 3,319 |
| Net loans and leases to total assets | 71.4665% | 2,003 |
| Net loans and leases to deposits | 126.8787% | 58 |
| Net loans and leases to core deposits | 216.7243% | 42 |
| Total domestic deposits to total assets | 56.3266% | 6,432 |
| Equity capital to assets | 42.8851% | 47 |
| Core capital (leverage) ratio | 41.1067% | 48 |
| Tier 1 risk-based capital ratio | 51.1466% | 129 |
| Total risk-based capital ratio | 52.5078% | 127 |
| Memoranda: | ||
| Average total assets | $393,241,000 | 1,666 |
| Average earning assets | $358,394,400 | 1,670 |
| Average equity | $158,963,000 | 481 |
| Average total loans | $291,458,600 | 1,469 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2539% | 42 |
| Cost of funding earning assets | 0.4643% | 3,105 |
| Net interest margin | 7.7896% | 41 |
| Noninterest income to average assets | 0.1844% | 5,816 |
| Noninterest expense to average assets | 0.9591% | 6,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 5.9725% | 35 |
| Return on assets (ROA) | 5.9773% | 33 |
| Pretax return on assets | 6.2949% | 46 |
| Return on Equity (ROE) | 15.0086% | 823 |
| Retained earnings to average equity (ytd only) | 6.5858% | 2,048 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.2313% | 6,580 |
| Assets per employee ($millions) | 14.8150% | 82 |
| Cash dividends to net income (ytd only)* | 56.1196% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2665% | 128 |
| Loan loss allowance to noncurrent loans | 569.0846% | 881 |
| Noncurrent assets plus other real estate owned to assets | 2.4600% | 1,087 |
| Noncurrent loans to loans | 0.7497% | 3,727 |
| Net loans and leases to total assets | 73.9331% | 1,538 |
| Net loans and leases to deposits | 127.1845% | 55 |
| Net loans and leases to core deposits | 223.6755% | 40 |
| Total domestic deposits to total assets | 58.1306% | 6,500 |
| Equity capital to assets | 40.2844% | 47 |
| Core capital (leverage) ratio | 40.6753% | 47 |
| Tier 1 risk-based capital ratio | 46.0582% | 166 |
| Total risk-based capital ratio | 47.4025% | 163 |
| Memoranda: | ||
| Average total assets | $395,485,250 | 1,674 |
| Average earning assets | $358,675,750 | 1,695 |
| Average equity | $157,505,750 | 482 |
| Average total loans | $292,373,250 | 1,471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5066% | 37 |
| Cost of funding earning assets | 0.4684% | 3,123 |
| Net interest margin | 8.0382% | 33 |
| Noninterest income to average assets | 0.2391% | 5,484 |
| Noninterest expense to average assets | 0.9600% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 6.1851% | 38 |
| Return on assets (ROA) | 6.1851% | 38 |
| Pretax return on assets | 6.5278% | 46 |
| Return on Equity (ROE) | 15.5911% | 700 |
| Retained earnings to average equity (ytd only) | 6.7411% | 1,905 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.8203% | 6,647 |
| Assets per employee ($millions) | 13.9950% | 87 |
| Cash dividends to net income (ytd only)* | 56.7630% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6695% | 100 |
| Loan loss allowance to noncurrent loans | 537.0823% | 865 |
| Noncurrent assets plus other real estate owned to assets | 2.5463% | 1,096 |
| Noncurrent loans to loans | 0.8694% | 3,530 |
| Net loans and leases to total assets | 68.6659% | 2,296 |
| Net loans and leases to deposits | 117.8267% | 107 |
| Net loans and leases to core deposits | 197.5254% | 43 |
| Total domestic deposits to total assets | 58.2770% | 6,571 |
| Equity capital to assets | 40.5016% | 45 |
| Core capital (leverage) ratio | 40.2519% | 44 |
| Tier 1 risk-based capital ratio | 47.5519% | 149 |
| Total risk-based capital ratio | 48.9156% | 146 |
| Memoranda: | ||
| Average total assets | $393,978,330 | 1,682 |
| Average earning assets | $355,278,330 | 1,702 |
| Average equity | $156,294,330 | 482 |
| Average total loans | $286,858,670 | 1,493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3362% | 34 |
| Cost of funding earning assets | 0.4653% | 3,263 |
| Net interest margin | 7.8709% | 33 |
| Noninterest income to average assets | 0.1833% | 5,864 |
| Noninterest expense to average assets | 0.8495% | 6,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 6.1594% | 35 |
| Return on assets (ROA) | 6.1594% | 35 |
| Pretax return on assets | 6.3741% | 46 |
| Return on Equity (ROE) | 15.6893% | 680 |
| Retained earnings to average equity (ytd only) | 15.6893% | 290 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.7606% | 6,720 |
| Assets per employee ($millions) | 13.2787% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7832% | 104 |
| Loan loss allowance to noncurrent loans | 558.7113% | 851 |
| Noncurrent assets plus other real estate owned to assets | 4.4214% | 501 |
| Noncurrent loans to loans | 0.8561% | 3,751 |
| Net loans and leases to total assets | 68.1321% | 2,200 |
| Net loans and leases to deposits | 117.7111% | 88 |
| Net loans and leases to core deposits | 202.1224% | 43 |
| Total domestic deposits to total assets | 57.8808% | 6,645 |
| Equity capital to assets | 41.1927% | 49 |
| Core capital (leverage) ratio | 40.2737% | 49 |
| Tier 1 risk-based capital ratio | 47.7735% | 152 |
| Total risk-based capital ratio | 49.1153% | 151 |
| Memoranda: | ||
| Average total assets | $395,037,000 | 1,688 |
| Average earning assets | $353,350,000 | 1,714 |
| Average equity | $155,086,500 | 485 |
| Average total loans | $289,160,500 | 1,484 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0903% | 29 |
| Cost of funding earning assets | 0.6252% | 2,435 |
| Net interest margin | 8.4651% | 31 |
| Noninterest income to average assets | 0.3704% | 4,661 |
| Noninterest expense to average assets | 1.1192% | 6,732 |
| Loan and lease loss provision to assets | -0.4672% | 6,733 |
| Net operating income to assets | 7.0823% | 30 |
| Return on assets (ROA) | 7.0823% | 30 |
| Pretax return on assets | 7.2607% | 36 |
| Return on Equity (ROE) | 19.1460% | 325 |
| Retained earnings to average equity (ytd only) | 11.3111% | 386 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1448% | 6,798 |
| Assets per employee ($millions) | 13.9652% | 93 |
| Cash dividends to net income (ytd only)* | 40.9221% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3531% | 155 |
| Loan loss allowance to noncurrent loans | 539.0593% | 900 |
| Noncurrent assets plus other real estate owned to assets | 5.6880% | 353 |
| Noncurrent loans to loans | 0.8075% | 3,956 |
| Net loans and leases to total assets | 71.5068% | 1,768 |
| Net loans and leases to deposits | 115.5458% | 103 |
| Net loans and leases to core deposits | 203.7514% | 41 |
| Total domestic deposits to total assets | 61.8861% | 6,700 |
| Equity capital to assets | 37.4198% | 50 |
| Core capital (leverage) ratio | 38.0113% | 46 |
| Tier 1 risk-based capital ratio | 41.7246% | 205 |
| Total risk-based capital ratio | 43.0300% | 200 |
| Memoranda: | ||
| Average total assets | $389,548,600 | 1,692 |
| Average earning assets | $347,083,600 | 1,724 |
| Average equity | $144,097,800 | 506 |
| Average total loans | $280,281,200 | 1,507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3192% | 29 |
| Cost of funding earning assets | 0.6741% | 2,144 |
| Net interest margin | 8.6451% | 29 |
| Noninterest income to average assets | 0.3001% | 5,300 |
| Noninterest expense to average assets | 1.1308% | 6,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 6.6802% | 31 |
| Return on assets (ROA) | 6.6802% | 30 |
| Pretax return on assets | 6.8786% | 39 |
| Return on Equity (ROE) | 18.1141% | 433 |
| Retained earnings to average equity (ytd only) | 10.4603% | 695 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1180% | 6,879 |
| Assets per employee ($millions) | 12.8580% | 120 |
| Cash dividends to net income (ytd only)* | 42.2531% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3050% | 87 |
| Loan loss allowance to noncurrent loans | 574.7126% | 791 |
| Noncurrent assets plus other real estate owned to assets | 5.2950% | 512 |
| Noncurrent loans to loans | 0.9231% | 3,970 |
| Net loans and leases to total assets | 71.8064% | 1,628 |
| Net loans and leases to deposits | 121.4911% | 63 |
| Net loans and leases to core deposits | 179.9548% | 46 |
| Total domestic deposits to total assets | 59.1042% | 6,791 |
| Equity capital to assets | 39.2293% | 45 |
| Core capital (leverage) ratio | 38.6137% | 43 |
| Tier 1 risk-based capital ratio | 43.2515% | 197 |
| Total risk-based capital ratio | 44.5689% | 196 |
| Memoranda: | ||
| Average total assets | $385,688,000 | 1,715 |
| Average earning assets | $343,940,250 | 1,749 |
| Average equity | $142,235,500 | 518 |
| Average total loans | $274,657,500 | 1,538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7590% | 28 |
| Cost of funding earning assets | 0.7272% | 1,866 |
| Net interest margin | 9.0317% | 25 |
| Noninterest income to average assets | 0.2303% | 5,798 |
| Noninterest expense to average assets | 1.1976% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 6.9033% | 28 |
| Return on assets (ROA) | 6.9033% | 28 |
| Pretax return on assets | 7.0905% | 37 |
| Return on Equity (ROE) | 19.1074% | 376 |
| Retained earnings to average equity (ytd only) | 12.0607% | 483 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4493% | 6,924 |
| Assets per employee ($millions) | 12.7608% | 116 |
| Cash dividends to net income (ytd only)* | 36.8796% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0016% | 60 |
| Loan loss allowance to noncurrent loans | 566.0377% | 773 |
| Noncurrent assets plus other real estate owned to assets | 5.1705% | 585 |
| Noncurrent loans to loans | 1.0603% | 3,810 |
| Net loans and leases to total assets | 61.3684% | 3,408 |
| Net loans and leases to deposits | 100.5130% | 394 |
| Net loans and leases to core deposits | 147.5219% | 101 |
| Total domestic deposits to total assets | 61.0552% | 6,827 |
| Equity capital to assets | 37.6701% | 44 |
| Core capital (leverage) ratio | 38.7066% | 41 |
| Tier 1 risk-based capital ratio | 47.4469% | 144 |
| Total risk-based capital ratio | 48.7941% | 143 |
| Memoranda: | ||
| Average total assets | $389,956,670 | 1,698 |
| Average earning assets | $347,906,000 | 1,737 |
| Average equity | $140,887,670 | 524 |
| Average total loans | $271,959,000 | 1,548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5301% | 88 |
| Cost of funding earning assets | 0.8079% | 1,483 |
| Net interest margin | 5.7223% | 101 |
| Noninterest income to average assets | 0.2480% | 5,684 |
| Noninterest expense to average assets | 1.0307% | 6,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.1797% | 56 |
| Return on assets (ROA) | 4.1797% | 60 |
| Pretax return on assets | 4.3220% | 74 |
| Return on Equity (ROE) | 11.8138% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.8138% | 726 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.2556% | 6,997 |
| Assets per employee ($millions) | 12.4791% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1378% | 70 |
| Loan loss allowance to noncurrent loans | 76.4253% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 9.8242% | 204 |
| Noncurrent loans to loans | 8.0311% | 325 |
| Net loans and leases to total assets | 61.2720% | 3,213 |
| Net loans and leases to deposits | 99.9486% | 356 |
| Net loans and leases to core deposits | 151.8047% | 85 |
| Total domestic deposits to total assets | 61.3036% | 6,908 |
| Equity capital to assets | 37.7682% | 46 |
| Core capital (leverage) ratio | 34.8831% | 49 |
| Tier 1 risk-based capital ratio | 47.2071% | 149 |
| Total risk-based capital ratio | 48.5837% | 146 |
| Memoranda: | ||
| Average total assets | $393,523,000 | 1,696 |
| Average earning assets | $351,049,500 | 1,733 |
| Average equity | $139,226,500 | 534 |
| Average total loans | $282,972,000 | 1,500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4296% | 59 |
| Cost of funding earning assets | 0.8837% | 2,048 |
| Net interest margin | 6.5459% | 63 |
| Noninterest income to average assets | 0.0884% | 6,552 |
| Noninterest expense to average assets | 0.9515% | 7,022 |
| Loan and lease loss provision to assets | -0.4008% | 7,030 |
| Net operating income to assets | 5.2449% | 42 |
| Return on assets (ROA) | 5.3454% | 40 |
| Pretax return on assets | 5.5542% | 51 |
| Return on Equity (ROE) | 17.6924% | 467 |
| Retained earnings to average equity (ytd only) | 7.6380% | 1,264 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.8576% | 7,062 |
| Assets per employee ($millions) | 13.7558% | 111 |
| Cash dividends to net income (ytd only)* | 56.8289% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6648% | 167 |
| Loan loss allowance to noncurrent loans | 76.1499% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 8.9323% | 276 |
| Noncurrent loans to loans | 6.1258% | 580 |
| Net loans and leases to total assets | 74.2859% | 1,156 |
| Net loans and leases to deposits | 112.5454% | 127 |
| Net loans and leases to core deposits | 187.3655% | 55 |
| Total domestic deposits to total assets | 66.0053% | 6,899 |
| Equity capital to assets | 33.2125% | 57 |
| Core capital (leverage) ratio | 32.0852% | 56 |
| Tier 1 risk-based capital ratio | 35.7037% | 327 |
| Total risk-based capital ratio | 37.0340% | 317 |
| Memoranda: | ||
| Average total assets | $436,676,600 | 1,515 |
| Average earning assets | $394,382,200 | 1,528 |
| Average equity | $131,932,400 | 547 |
| Average total loans | $323,053,600 | 1,303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4248% | 59 |
| Cost of funding earning assets | 0.8889% | 2,247 |
| Net interest margin | 6.5359% | 63 |
| Noninterest income to average assets | 0.6027% | 3,258 |
| Noninterest expense to average assets | 1.0138% | 7,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 5.2605% | 39 |
| Return on assets (ROA) | 5.3753% | 38 |
| Pretax return on assets | 5.6256% | 49 |
| Return on Equity (ROE) | 18.2130% | 478 |
| Retained earnings to average equity (ytd only) | 8.7600% | 1,321 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.5495% | 7,164 |
| Assets per employee ($millions) | 14.2670% | 99 |
| Cash dividends to net income (ytd only)* | 51.9023% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2146% | 124 |
| Loan loss allowance to noncurrent loans | 64.6219% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 7.5274% | 442 |
| Noncurrent loans to loans | 8.0694% | 382 |
| Net loans and leases to total assets | 71.1350% | 1,706 |
| Net loans and leases to deposits | 106.5304% | 228 |
| Net loans and leases to core deposits | 169.5111% | 69 |
| Total domestic deposits to total assets | 66.7743% | 6,959 |
| Equity capital to assets | 31.5687% | 63 |
| Core capital (leverage) ratio | 29.8591% | 66 |
| Tier 1 risk-based capital ratio | 35.5846% | 340 |
| Total risk-based capital ratio | 36.9130% | 330 |
| Memoranda: | ||
| Average total assets | $442,677,500 | 1,502 |
| Average earning assets | $400,773,000 | 1,522 |
| Average equity | $130,650,750 | 556 |
| Average total loans | $323,427,500 | 1,314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5552% | 60 |
| Cost of funding earning assets | 0.8999% | 2,397 |
| Net interest margin | 6.6553% | 63 |
| Noninterest income to average assets | 0.7212% | 2,549 |
| Noninterest expense to average assets | 0.9902% | 7,189 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 5.4518% | 41 |
| Return on assets (ROA) | 5.4624% | 41 |
| Pretax return on assets | 5.7471% | 52 |
| Return on Equity (ROE) | 18.9282% | 418 |
| Retained earnings to average equity (ytd only) | 9.3696% | 1,151 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.7223% | 7,224 |
| Assets per employee ($millions) | 15.0734% | 83 |
| Cash dividends to net income (ytd only)* | 50.4990% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2479% | 128 |
| Loan loss allowance to noncurrent loans | 68.9471% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 7.1840% | 535 |
| Noncurrent loans to loans | 7.6115% | 470 |
| Net loans and leases to total assets | 66.8787% | 2,488 |
| Net loans and leases to deposits | 95.9857% | 636 |
| Net loans and leases to core deposits | 151.4000% | 103 |
| Total domestic deposits to total assets | 69.6757% | 6,918 |
| Equity capital to assets | 29.1965% | 70 |
| Core capital (leverage) ratio | 29.3724% | 66 |
| Tier 1 risk-based capital ratio | 34.8733% | 350 |
| Total risk-based capital ratio | 36.1825% | 341 |
| Memoranda: | ||
| Average total assets | $447,567,000 | 1,490 |
| Average earning assets | $403,830,000 | 1,512 |
| Average equity | $129,162,000 | 558 |
| Average total loans | $324,165,330 | 1,310 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5243% | 64 |
| Cost of funding earning assets | 0.9262% | 2,470 |
| Net interest margin | 6.5981% | 64 |
| Noninterest income to average assets | 0.1132% | 6,679 |
| Noninterest expense to average assets | 1.0879% | 7,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 4.7452% | 46 |
| Return on assets (ROA) | 4.7452% | 51 |
| Pretax return on assets | 4.9132% | 62 |
| Return on Equity (ROE) | 16.5412% | 738 |
| Retained earnings to average equity (ytd only) | 16.5412% | 336 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.1287% | 7,280 |
| Assets per employee ($millions) | 14.9560% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2333% | 141 |
| Loan loss allowance to noncurrent loans | 65.6425% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 10.0577% | 295 |
| Noncurrent loans to loans | 7.9724% | 489 |
| Net loans and leases to total assets | 67.6019% | 2,187 |
| Net loans and leases to deposits | 96.8121% | 490 |
| Net loans and leases to core deposits | 159.7843% | 92 |
| Total domestic deposits to total assets | 69.8280% | 6,990 |
| Equity capital to assets | 29.2593% | 68 |
| Core capital (leverage) ratio | 29.1984% | 67 |
| Tier 1 risk-based capital ratio | 33.9378% | 366 |
| Total risk-based capital ratio | 35.2447% | 359 |
| Memoranda: | ||
| Average total assets | $445,250,000 | 1,494 |
| Average earning assets | $397,325,500 | 1,528 |
| Average equity | $127,729,500 | 559 |
| Average total loans | $326,660,000 | 1,300 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4109% | 74 |
| Cost of funding earning assets | 1.0291% | 3,163 |
| Net interest margin | 6.3817% | 70 |
| Noninterest income to average assets | 0.0369% | 6,884 |
| Noninterest expense to average assets | 1.0891% | 7,283 |
| Loan and lease loss provision to assets | -0.7843% | 7,343 |
| Net operating income to assets | 5.4526% | 38 |
| Return on assets (ROA) | 5.4526% | 39 |
| Pretax return on assets | 5.6066% | 53 |
| Return on Equity (ROE) | 20.0514% | 260 |
| Retained earnings to average equity (ytd only) | -0.4197% | 5,923 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.4235% | 7,336 |
| Assets per employee ($millions) | 14.7273% | 94 |
| Cash dividends to net income (ytd only)* | 102.0929% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0262% | 176 |
| Loan loss allowance to noncurrent loans | 67.0429% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 10.3169% | 308 |
| Noncurrent loans to loans | 7.4970% | 563 |
| Net loans and leases to total assets | 71.6363% | 1,704 |
| Net loans and leases to deposits | 100.7596% | 425 |
| Net loans and leases to core deposits | 159.9785% | 110 |
| Total domestic deposits to total assets | 71.0963% | 6,925 |
| Equity capital to assets | 28.1061% | 75 |
| Core capital (leverage) ratio | 27.4095% | 80 |
| Tier 1 risk-based capital ratio | 31.3280% | 456 |
| Total risk-based capital ratio | 32.6158% | 448 |
| Memoranda: | ||
| Average total assets | $474,067,800 | 1,395 |
| Average earning assets | $436,385,400 | 1,393 |
| Average equity | $128,913,800 | 540 |
| Average total loans | $357,852,400 | 1,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4855% | 70 |
| Cost of funding earning assets | 1.0605% | 3,242 |
| Net interest margin | 6.4250% | 69 |
| Noninterest income to average assets | 0.0420% | 6,981 |
| Noninterest expense to average assets | 1.1966% | 7,341 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 4.6144% | 49 |
| Return on assets (ROA) | 4.6144% | 50 |
| Pretax return on assets | 4.8016% | 64 |
| Return on Equity (ROE) | 17.1006% | 555 |
| Retained earnings to average equity (ytd only) | 7.8196% | 1,580 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.9493% | 7,404 |
| Assets per employee ($millions) | 15.3287% | 86 |
| Cash dividends to net income (ytd only)* | 54.2730% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9606% | 93 |
| Loan loss allowance to noncurrent loans | 69.7543% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 7.6843% | 605 |
| Noncurrent loans to loans | 8.5451% | 493 |
| Net loans and leases to total assets | 70.2216% | 2,044 |
| Net loans and leases to deposits | 101.1230% | 420 |
| Net loans and leases to core deposits | 166.0023% | 96 |
| Total domestic deposits to total assets | 69.4418% | 7,065 |
| Equity capital to assets | 28.8470% | 88 |
| Core capital (leverage) ratio | 28.0186% | 87 |
| Tier 1 risk-based capital ratio | 34.7470% | 362 |
| Total risk-based capital ratio | 36.0490% | 355 |
| Memoranda: | ||
| Average total assets | $482,130,000 | 1,387 |
| Average earning assets | $446,953,750 | 1,369 |
| Average equity | $130,097,750 | 541 |
| Average total loans | $364,002,250 | 1,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6602% | 66 |
| Cost of funding earning assets | 1.0869% | 3,339 |
| Net interest margin | 6.5732% | 68 |
| Noninterest income to average assets | 0.4102% | 4,593 |
| Noninterest expense to average assets | 1.0826% | 7,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 5.2137% | 48 |
| Return on assets (ROA) | 5.2137% | 48 |
| Pretax return on assets | 5.4200% | 61 |
| Return on Equity (ROE) | 19.7485% | 330 |
| Retained earnings to average equity (ytd only) | 10.1575% | 812 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6489% | 7,484 |
| Assets per employee ($millions) | 16.8372% | 76 |
| Cash dividends to net income (ytd only)* | 48.5661% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9045% | 102 |
| Loan loss allowance to noncurrent loans | 79.2872% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 6.6974% | 782 |
| Noncurrent loans to loans | 7.4470% | 645 |
| Net loans and leases to total assets | 66.8021% | 2,862 |
| Net loans and leases to deposits | 93.0674% | 943 |
| Net loans and leases to core deposits | 144.4757% | 165 |
| Total domestic deposits to total assets | 71.7782% | 7,024 |
| Equity capital to assets | 27.0422% | 102 |
| Core capital (leverage) ratio | 27.2400% | 95 |
| Tier 1 risk-based capital ratio | 34.2176% | 379 |
| Total risk-based capital ratio | 35.5327% | 365 |
| Memoranda: | ||
| Average total assets | $489,553,330 | 1,371 |
| Average earning assets | $453,750,670 | 1,349 |
| Average equity | $129,245,000 | 542 |
| Average total loans | $370,873,330 | 1,177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3668% | 83 |
| Cost of funding earning assets | 1.0879% | 3,602 |
| Net interest margin | 6.2789% | 79 |
| Noninterest income to average assets | 0.0073% | 7,281 |
| Noninterest expense to average assets | 1.0167% | 7,513 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.6374% | 56 |
| Return on assets (ROA) | 4.6374% | 57 |
| Pretax return on assets | 4.8022% | 77 |
| Return on Equity (ROE) | 17.7806% | 499 |
| Retained earnings to average equity (ytd only) | 17.7806% | 247 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.4730% | 7,541 |
| Assets per employee ($millions) | 18.1150% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2553% | 162 |
| Loan loss allowance to noncurrent loans | 102.5040% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 5.9871% | 970 |
| Noncurrent loans to loans | 5.1270% | 1,310 |
| Net loans and leases to total assets | 75.4445% | 1,118 |
| Net loans and leases to deposits | 104.3416% | 303 |
| Net loans and leases to core deposits | 162.0420% | 126 |
| Total domestic deposits to total assets | 72.3053% | 7,057 |
| Equity capital to assets | 26.7555% | 97 |
| Core capital (leverage) ratio | 27.1088% | 90 |
| Tier 1 risk-based capital ratio | 30.7850% | 486 |
| Total risk-based capital ratio | 32.1007% | 474 |
| Memoranda: | ||
| Average total assets | $490,191,000 | 1,378 |
| Average earning assets | $453,711,000 | 1,366 |
| Average equity | $127,847,000 | 547 |
| Average total loans | $382,986,000 | 1,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5417% | 53 |
| Cost of funding earning assets | 1.3208% | 3,752 |
| Net interest margin | 7.2210% | 50 |
| Noninterest income to average assets | 0.8159% | 2,195 |
| Noninterest expense to average assets | 1.0909% | 7,567 |
| Loan and lease loss provision to assets | -0.7466% | 7,650 |
| Net operating income to assets | 6.9715% | 23 |
| Return on assets (ROA) | 7.0049% | 24 |
| Pretax return on assets | 7.2077% | 32 |
| Return on Equity (ROE) | 30.7628% | 36 |
| Retained earnings to average equity (ytd only) | 19.6043% | 61 |
| Net charge-offs to loans | -1.1747% | 7,606 |
| Credit loss provision to net charge-offs | 76.3932% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.5117% | 7,633 |
| Assets per employee ($millions) | 18.1955% | 68 |
| Cash dividends to net income (ytd only)* | 36.2726% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4364% | 150 |
| Loan loss allowance to noncurrent loans | 102.0695% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 5.4837% | 1,130 |
| Noncurrent loans to loans | 5.3261% | 1,242 |
| Net loans and leases to total assets | 72.4710% | 1,992 |
| Net loans and leases to deposits | 98.1280% | 707 |
| Net loans and leases to core deposits | 167.3391% | 125 |
| Total domestic deposits to total assets | 73.8535% | 6,909 |
| Equity capital to assets | 25.4096% | 122 |
| Core capital (leverage) ratio | 25.3959% | 119 |
| Tier 1 risk-based capital ratio | 31.3706% | 455 |
| Total risk-based capital ratio | 32.6771% | 445 |
| Memoranda: | ||
| Average total assets | $490,229,000 | 1,368 |
| Average earning assets | $454,966,800 | 1,345 |
| Average equity | $111,628,400 | 601 |
| Average total loans | $407,850,400 | 1,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4639% | 54 |
| Cost of funding earning assets | 1.3530% | 3,878 |
| Net interest margin | 7.1109% | 51 |
| Noninterest income to average assets | 0.8569% | 1,968 |
| Noninterest expense to average assets | 1.0599% | 7,688 |
| Loan and lease loss provision to assets | 1.6327% | 790 |
| Net operating income to assets | 4.5733% | 36 |
| Return on assets (ROA) | 4.6130% | 35 |
| Pretax return on assets | 4.8059% | 56 |
| Return on Equity (ROE) | 20.8646% | 263 |
| Retained earnings to average equity (ytd only) | 9.1473% | 1,010 |
| Net charge-offs to loans | -1.5367% | 7,707 |
| Credit loss provision to net charge-offs | -125.2348% | 6,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.2133% | 7,740 |
| Assets per employee ($millions) | 17.0791% | 76 |
| Cash dividends to net income (ytd only)* | 56.1586% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3831% | 50 |
| Loan loss allowance to noncurrent loans | 67.6608% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 10.3480% | 379 |
| Noncurrent loans to loans | 10.9119% | 353 |
| Net loans and leases to total assets | 76.3064% | 1,348 |
| Net loans and leases to deposits | 100.3894% | 629 |
| Net loans and leases to core deposits | 259.8997% | 58 |
| Total domestic deposits to total assets | 76.0104% | 6,655 |
| Equity capital to assets | 22.5603% | 178 |
| Core capital (leverage) ratio | 22.4068% | 165 |
| Tier 1 risk-based capital ratio | 26.2230% | 755 |
| Total risk-based capital ratio | 27.5764% | 732 |
| Memoranda: | ||
| Average total assets | $489,966,750 | 1,386 |
| Average earning assets | $454,785,250 | 1,363 |
| Average equity | $108,327,500 | 609 |
| Average total loans | $415,687,500 | 1,088 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7954% | 51 |
| Cost of funding earning assets | 1.4010% | 3,872 |
| Net interest margin | 7.3944% | 48 |
| Noninterest income to average assets | 1.2573% | 816 |
| Noninterest expense to average assets | 1.0033% | 7,774 |
| Loan and lease loss provision to assets | 2.4581% | 469 |
| Net operating income to assets | 4.4632% | 40 |
| Return on assets (ROA) | 4.4970% | 39 |
| Pretax return on assets | 4.6986% | 57 |
| Return on Equity (ROE) | 20.4814% | 293 |
| Retained earnings to average equity (ytd only) | 13.0423% | 375 |
| Net charge-offs to loans | -2.2768% | 7,774 |
| Credit loss provision to net charge-offs | -126.0239% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.3487% | 7,808 |
| Assets per employee ($millions) | 16.7662% | 77 |
| Cash dividends to net income (ytd only)* | 36.3214% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1035% | 53 |
| Loan loss allowance to noncurrent loans | 62.1449% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 11.4138% | 298 |
| Noncurrent loans to loans | 11.4306% | 335 |
| Net loans and leases to total assets | 80.9524% | 676 |
| Net loans and leases to deposits | 106.0827% | 393 |
| Net loans and leases to core deposits | 239.6544% | 67 |
| Total domestic deposits to total assets | 76.3107% | 6,627 |
| Equity capital to assets | 22.4644% | 183 |
| Core capital (leverage) ratio | 22.3552% | 169 |
| Tier 1 risk-based capital ratio | 24.8504% | 855 |
| Total risk-based capital ratio | 26.1719% | 834 |
| Memoranda: | ||
| Average total assets | $488,191,000 | 1,402 |
| Average earning assets | $453,398,000 | 1,371 |
| Average equity | $107,190,000 | 609 |
| Average total loans | $418,227,000 | 1,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4752% | 62 |
| Cost of funding earning assets | 1.4579% | 3,821 |
| Net interest margin | 7.0173% | 62 |
| Noninterest income to average assets | 0.9992% | 1,313 |
| Noninterest expense to average assets | 1.1620% | 7,841 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 6.1492% | 32 |
| Return on assets (ROA) | 6.2063% | 33 |
| Pretax return on assets | 6.4296% | 42 |
| Return on Equity (ROE) | 28.5951% | 106 |
| Retained earnings to average equity (ytd only) | 28.5951% | 77 |
| Net charge-offs to loans | 0.0096% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 779.1000% | 28 |
| Efficiency ratio | 15.4255% | 7,908 |
| Assets per employee ($millions) | 16.7063% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7388% | 215 |
| Loan loss allowance to noncurrent loans | 31.6727% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 13.4488% | 191 |
| Noncurrent loans to loans | 14.9617% | 181 |
| Net loans and leases to total assets | 80.1931% | 817 |
| Net loans and leases to deposits | 105.1768% | 468 |
| Net loans and leases to core deposits | 221.8516% | 85 |
| Total domestic deposits to total assets | 76.2460% | 6,717 |
| Equity capital to assets | 22.7337% | 188 |
| Core capital (leverage) ratio | 22.3020% | 179 |
| Tier 1 risk-based capital ratio | 25.0586% | 855 |
| Total risk-based capital ratio | 26.3486% | 830 |
| Memoranda: | ||
| Average total assets | $489,177,000 | 1,431 |
| Average earning assets | $455,444,000 | 1,391 |
| Average equity | $106,172,000 | 622 |
| Average total loans | $415,488,500 | 1,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0739% | 38 |
| Cost of funding earning assets | 2.3544% | 1,443 |
| Net interest margin | 7.7195% | 40 |
| Noninterest income to average assets | 1.3901% | 759 |
| Noninterest expense to average assets | 0.7407% | 7,969 |
| Loan and lease loss provision to assets | 3.0422% | 565 |
| Net operating income to assets | 4.4922% | 32 |
| Return on assets (ROA) | 4.4945% | 34 |
| Pretax return on assets | 4.8232% | 45 |
| Return on Equity (ROE) | 22.4372% | 147 |
| Retained earnings to average equity (ytd only) | 3.2804% | 2,870 |
| Net charge-offs to loans | 1.1920% | 2,062 |
| Credit loss provision to net charge-offs | 308.1981% | 1,070 |
| Earnings coverage of net charge-offs (x) | 7.9659% | 2,028 |
| Efficiency ratio | 8.6087% | 7,994 |
| Assets per employee ($millions) | 17.6383% | 89 |
| Cash dividends to net income (ytd only)* | 85.3797% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5700% | 238 |
| Loan loss allowance to noncurrent loans | 42.6451% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 10.6516% | 328 |
| Noncurrent loans to loans | 10.7164% | 358 |
| Net loans and leases to total assets | 81.7604% | 727 |
| Net loans and leases to deposits | 104.1711% | 639 |
| Net loans and leases to core deposits | 309.5109% | 32 |
| Total domestic deposits to total assets | 78.4867% | 6,124 |
| Equity capital to assets | 20.6943% | 264 |
| Core capital (leverage) ratio | 19.4880% | 305 |
| Tier 1 risk-based capital ratio | 22.4627% | 1,100 |
| Total risk-based capital ratio | 23.7508% | 1,067 |
| Memoranda: | ||
| Average total assets | $493,072,200 | 1,405 |
| Average earning assets | $460,756,200 | 1,365 |
| Average equity | $98,769,000 | 666 |
| Average total loans | $408,296,400 | 1,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9798% | 38 |
| Cost of funding earning assets | 2.5217% | 1,233 |
| Net interest margin | 7.4581% | 40 |
| Noninterest income to average assets | 0.0657% | 7,581 |
| Noninterest expense to average assets | 0.5951% | 8,066 |
| Loan and lease loss provision to assets | 2.4346% | 690 |
| Net operating income to assets | 3.7611% | 41 |
| Return on assets (ROA) | 3.6874% | 42 |
| Pretax return on assets | 3.9420% | 53 |
| Return on Equity (ROE) | 18.5621% | 398 |
| Retained earnings to average equity (ytd only) | 3.3921% | 3,402 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.4414% | 8,076 |
| Assets per employee ($millions) | 17.3234% | 89 |
| Cash dividends to net income (ytd only)* | 81.7255% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1504% | 267 |
| Loan loss allowance to noncurrent loans | 35.4225% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 11.8162% | 235 |
| Noncurrent loans to loans | 11.7168% | 286 |
| Net loans and leases to total assets | 83.6830% | 579 |
| Net loans and leases to deposits | 106.9597% | 611 |
| Net loans and leases to core deposits | 303.6928% | 34 |
| Total domestic deposits to total assets | 78.2379% | 6,013 |
| Equity capital to assets | 20.2033% | 326 |
| Core capital (leverage) ratio | 20.3083% | 296 |
| Tier 1 risk-based capital ratio | 21.5128% | 1,289 |
| Total risk-based capital ratio | 22.7958% | 1,260 |
| Memoranda: | ||
| Average total assets | $492,872,500 | 1,415 |
| Average earning assets | $461,572,750 | 1,381 |
| Average equity | $97,910,500 | 676 |
| Average total loans | $404,588,500 | 1,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1161% | 37 |
| Cost of funding earning assets | 2.6930% | 1,049 |
| Net interest margin | 7.4231% | 44 |
| Noninterest income to average assets | 0.0788% | 7,591 |
| Noninterest expense to average assets | 0.5787% | 8,163 |
| Loan and lease loss provision to assets | 2.0420% | 793 |
| Net operating income to assets | 4.1696% | 33 |
| Return on assets (ROA) | 3.9791% | 38 |
| Pretax return on assets | 4.2205% | 48 |
| Return on Equity (ROE) | 20.1479% | 334 |
| Retained earnings to average equity (ytd only) | 5.2443% | 2,373 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.2159% | 8,162 |
| Assets per employee ($millions) | 17.5727% | 89 |
| Cash dividends to net income (ytd only)* | 73.9711% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 438 |
| Loan loss allowance to noncurrent loans | 35.8678% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 8.3939% | 433 |
| Noncurrent loans to loans | 9.2738% | 414 |
| Net loans and leases to total assets | 83.8999% | 651 |
| Net loans and leases to deposits | 106.8292% | 720 |
| Net loans and leases to core deposits | 295.1244% | 41 |
| Total domestic deposits to total assets | 78.5365% | 5,946 |
| Equity capital to assets | 20.1693% | 369 |
| Core capital (leverage) ratio | 20.3285% | 346 |
| Tier 1 risk-based capital ratio | 21.9123% | 1,267 |
| Total risk-based capital ratio | 23.1860% | 1,238 |
| Memoranda: | ||
| Average total assets | $489,704,000 | 1,443 |
| Average earning assets | $459,483,330 | 1,405 |
| Average equity | $96,715,000 | 692 |
| Average total loans | $393,248,330 | 1,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7976% | 44 |
| Cost of funding earning assets | 2.8936% | 783 |
| Net interest margin | 6.9041% | 58 |
| Noninterest income to average assets | 0.1179% | 7,434 |
| Noninterest expense to average assets | 0.4831% | 8,216 |
| Loan and lease loss provision to assets | 2.4563% | 472 |
| Net operating income to assets | 3.4380% | 48 |
| Return on assets (ROA) | 3.4380% | 56 |
| Pretax return on assets | 3.6566% | 74 |
| Return on Equity (ROE) | 17.5962% | 627 |
| Retained earnings to average equity (ytd only) | 17.5962% | 246 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.3237% | 8,215 |
| Assets per employee ($millions) | 17.3625% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9018% | 525 |
| Loan loss allowance to noncurrent loans | 28.9895% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 9.0092% | 276 |
| Noncurrent loans to loans | 10.0097% | 292 |
| Net loans and leases to total assets | 84.0002% | 689 |
| Net loans and leases to deposits | 106.1769% | 849 |
| Net loans and leases to core deposits | 284.1024% | 40 |
| Total domestic deposits to total assets | 79.1134% | 5,677 |
| Equity capital to assets | 19.7479% | 434 |
| Core capital (leverage) ratio | 19.4276% | 423 |
| Tier 1 risk-based capital ratio | 21.7129% | 1,332 |
| Total risk-based capital ratio | 22.9818% | 1,303 |
| Memoranda: | ||
| Average total assets | $488,538,500 | 1,456 |
| Average earning assets | $458,397,500 | 1,415 |
| Average equity | $95,452,500 | 698 |
| Average total loans | $376,362,000 | 1,326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2164% | 144 |
| Cost of funding earning assets | 2.9110% | 2,220 |
| Net interest margin | 5.3054% | 279 |
| Noninterest income to average assets | 0.0949% | 7,660 |
| Noninterest expense to average assets | 0.5489% | 8,254 |
| Loan and lease loss provision to assets | 0.2635% | 4,288 |
| Net operating income to assets | 4.0505% | 40 |
| Return on assets (ROA) | 3.7943% | 44 |
| Pretax return on assets | 3.9489% | 63 |
| Return on Equity (ROE) | 15.2852% | 887 |
| Retained earnings to average equity (ytd only) | 7.2041% | 1,086 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.9166% | 8,276 |
| Assets per employee ($millions) | 17.5331% | 94 |
| Cash dividends to net income (ytd only)* | 52.8685% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7710% | 529 |
| Loan loss allowance to noncurrent loans | 39.3149% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 5.2474% | 641 |
| Noncurrent loans to loans | 7.0482% | 431 |
| Net loans and leases to total assets | 65.7836% | 4,897 |
| Net loans and leases to deposits | 82.6923% | 4,623 |
| Net loans and leases to core deposits | 243.8113% | 77 |
| Total domestic deposits to total assets | 79.5522% | 5,180 |
| Equity capital to assets | 19.3309% | 518 |
| Core capital (leverage) ratio | 22.7256% | 318 |
| Tier 1 risk-based capital ratio | 26.6217% | 855 |
| Total risk-based capital ratio | 27.8888% | 834 |
| Memoranda: | ||
| Average total assets | $379,468,000 | 1,782 |
| Average earning assets | $352,868,000 | 1,755 |
| Average equity | $94,196,000 | 712 |
| Average total loans | $299,292,600 | 1,614 |