Home > First Robinson Savings Bank > Performance and Condition Ratios
First Robinson Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,058 |
| Cost of funding earning assets | 1.5743% | 1,763 |
| Net interest margin | 2.3537% | 4,221 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.1504% | 3,253 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4377% | 3,792 |
| Return on assets (ROA) | 0.4407% | 3,786 |
| Pretax return on assets | 0.5872% | 3,658 |
| Return on Equity (ROE) | 7.8900% | 3,053 |
| Retained earnings to average equity (ytd only) | 4.1044% | 2,922 |
| Net charge-offs to loans | 0.1019% | 891 |
| Credit loss provision to net charge-offs | 143.0894% | 1,508 |
| Earnings coverage of net charge-offs (x) | 12.6463% | 2,138 |
| Efficiency ratio | 76.5756% | 1,203 |
| Assets per employee ($millions) | 6.1198% | 2,717 |
| Cash dividends to net income (ytd only)* | 47.9846% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 2,509 |
| Loan loss allowance to noncurrent loans | 185.3783% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 1,641 |
| Noncurrent loans to loans | 0.6246% | 1,260 |
| Net loans and leases to total assets | 51.4900% | 3,507 |
| Net loans and leases to deposits | 68.4893% | 2,989 |
| Net loans and leases to core deposits | 74.4181% | 3,053 |
| Total domestic deposits to total assets | 75.1700% | 4,016 |
| Equity capital to assets | 5.9194% | 4,249 |
| Core capital (leverage) ratio | 8.1123% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8764% | 1,570 |
| Memoranda: | ||
| Average total assets | $472,924,400 | 1,790 |
| Average earning assets | $434,036,800 | 1,797 |
| Average equity | $26,410,400 | 2,441 |
| Average total loans | $241,390,600 | 2,052 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 4,107 |
| Cost of funding earning assets | 1.4592% | 1,714 |
| Net interest margin | 2.3465% | 4,276 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.1736% | 3,147 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4479% | 3,874 |
| Return on assets (ROA) | 0.4519% | 3,862 |
| Pretax return on assets | 0.6025% | 3,728 |
| Return on Equity (ROE) | 8.2200% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.2189% | 1,883 |
| Net charge-offs to loans | 0.0212% | 1,686 |
| Credit loss provision to net charge-offs | 250.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 57.9474% | 1,221 |
| Efficiency ratio | 77.6877% | 1,035 |
| Assets per employee ($millions) | 5.8618% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,469 |
| Loan loss allowance to noncurrent loans | 173.7576% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 1,603 |
| Noncurrent loans to loans | 0.6799% | 1,217 |
| Net loans and leases to total assets | 51.7900% | 3,510 |
| Net loans and leases to deposits | 68.2494% | 2,963 |
| Net loans and leases to core deposits | 73.6677% | 3,012 |
| Total domestic deposits to total assets | 75.8800% | 4,019 |
| Equity capital to assets | 5.6212% | 4,099 |
| Core capital (leverage) ratio | 8.4346% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2702% | 1,486 |
| Memoranda: | ||
| Average total assets | $470,290,000 | 1,794 |
| Average earning assets | $429,907,000 | 1,806 |
| Average equity | $25,858,500 | 2,460 |
| Average total loans | $238,780,250 | 2,063 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,176 |
| Cost of funding earning assets | 1.2892% | 1,736 |
| Net interest margin | 2.3806% | 4,315 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.1815% | 3,125 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4316% | 3,943 |
| Return on assets (ROA) | 0.4366% | 3,939 |
| Pretax return on assets | 0.5835% | 3,828 |
| Return on Equity (ROE) | 8.0000% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.9997% | 1,963 |
| Net charge-offs to loans | -0.0168% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.9441% | 1,005 |
| Assets per employee ($millions) | 5.7010% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,421 |
| Loan loss allowance to noncurrent loans | 244.5652% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 1,905 |
| Noncurrent loans to loans | 0.4919% | 1,483 |
| Net loans and leases to total assets | 52.0200% | 3,410 |
| Net loans and leases to deposits | 66.6157% | 3,028 |
| Net loans and leases to core deposits | 71.7750% | 3,024 |
| Total domestic deposits to total assets | 78.0900% | 3,839 |
| Equity capital to assets | 5.6384% | 4,254 |
| Core capital (leverage) ratio | 8.3399% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2991% | 1,485 |
| Memoranda: | ||
| Average total assets | $472,692,000 | 1,793 |
| Average earning assets | $430,642,333 | 1,806 |
| Average equity | $25,801,000 | 2,478 |
| Average total loans | $237,475,000 | 2,066 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5401% | 4,221 |
| Cost of funding earning assets | 1.1850% | 1,491 |
| Net interest margin | 2.3551% | 4,417 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.1341% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4289% | 4,039 |
| Return on assets (ROA) | 0.4342% | 3,978 |
| Pretax return on assets | 0.5822% | 3,869 |
| Return on Equity (ROE) | 8.0800% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.0832% | 2,195 |
| Net charge-offs to loans | -0.0682% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.7589% | 928 |
| Assets per employee ($millions) | 5.9670% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,838 |
| Loan loss allowance to noncurrent loans | 313.3256% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 2,144 |
| Noncurrent loans to loans | 0.3650% | 1,838 |
| Net loans and leases to total assets | 49.5900% | 3,527 |
| Net loans and leases to deposits | 63.0206% | 3,165 |
| Net loans and leases to core deposits | 68.1370% | 3,090 |
| Total domestic deposits to total assets | 78.6900% | 3,925 |
| Equity capital to assets | 5.5987% | 4,318 |
| Core capital (leverage) ratio | 8.2270% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3062% | 1,542 |
| Memoranda: | ||
| Average total assets | $478,149,500 | 1,797 |
| Average earning assets | $432,416,000 | 1,826 |
| Average equity | $25,683,000 | 2,506 |
| Average total loans | $234,643,500 | 2,098 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0299% | 4,097 |
| Cost of funding earning assets | 0.5009% | 1,386 |
| Net interest margin | 2.5290% | 4,256 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.1514% | 3,152 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6418% | 3,777 |
| Return on assets (ROA) | 0.6395% | 3,733 |
| Pretax return on assets | 0.8580% | 3,466 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | 10.7682% | 939 |
| Net charge-offs to loans | -0.0317% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2129% | 1,652 |
| Assets per employee ($millions) | 6.0614% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 2,676 |
| Loan loss allowance to noncurrent loans | 345.9740% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 2,262 |
| Noncurrent loans to loans | 0.3307% | 1,968 |
| Net loans and leases to total assets | 47.4600% | 3,708 |
| Net loans and leases to deposits | 61.2738% | 3,256 |
| Net loans and leases to core deposits | 66.1001% | 3,127 |
| Total domestic deposits to total assets | 77.4600% | 4,131 |
| Equity capital to assets | 5.1503% | 4,328 |
| Core capital (leverage) ratio | 7.9392% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2278% | 1,557 |
| Memoranda: | ||
| Average total assets | $464,451,200 | 1,822 |
| Average earning assets | $427,013,000 | 1,829 |
| Average equity | $27,581,200 | 2,447 |
| Average total loans | $211,634,200 | 2,156 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 4,087 |
| Cost of funding earning assets | 0.3294% | 1,866 |
| Net interest margin | 2.5505% | 4,166 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.1877% | 2,967 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6719% | 3,642 |
| Return on assets (ROA) | 0.6685% | 3,608 |
| Pretax return on assets | 0.8998% | 3,311 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 10.8759% | 1,087 |
| Net charge-offs to loans | -0.0110% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3887% | 1,837 |
| Assets per employee ($millions) | 5.5547% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,609 |
| Loan loss allowance to noncurrent loans | 448.6111% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 2,543 |
| Noncurrent loans to loans | 0.2642% | 2,315 |
| Net loans and leases to total assets | 47.2900% | 3,682 |
| Net loans and leases to deposits | 57.9680% | 3,344 |
| Net loans and leases to core deposits | 60.1117% | 3,377 |
| Total domestic deposits to total assets | 81.5800% | 3,894 |
| Equity capital to assets | 5.1716% | 4,247 |
| Core capital (leverage) ratio | 8.0988% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6296% | 1,524 |
| Memoranda: | ||
| Average total assets | $459,337,000 | 1,838 |
| Average earning assets | $425,423,500 | 1,843 |
| Average equity | $28,233,000 | 2,448 |
| Average total loans | $206,337,750 | 2,196 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7639% | 4,041 |
| Cost of funding earning assets | 0.2297% | 2,513 |
| Net interest margin | 2.5342% | 4,026 |
| Noninterest income to average assets | 0.8462% | 950 |
| Noninterest expense to average assets | 2.2131% | 2,806 |
| Loan and lease loss provision to assets | 0.0782% | 1,240 |
| Net operating income to assets | 0.6787% | 3,383 |
| Return on assets (ROA) | 0.6739% | 3,350 |
| Pretax return on assets | 0.9105% | 3,025 |
| Return on Equity (ROE) | 10.4189% | 2,185 |
| Retained earnings to average equity (ytd only) | 10.4189% | 920 |
| Net charge-offs to loans | -0.0207% | 3,892 |
| Credit loss provision to net charge-offs | -857.1429% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9903% | 2,104 |
| Assets per employee ($millions) | 5.5656% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,410 |
| Loan loss allowance to noncurrent loans | 454.3517% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 2,010 |
| Noncurrent loans to loans | 0.2763% | 2,366 |
| Net loans and leases to total assets | 44.0808% | 3,827 |
| Net loans and leases to deposits | 53.6000% | 3,564 |
| Net loans and leases to core deposits | 54.8024% | 3,651 |
| Total domestic deposits to total assets | 82.2403% | 3,976 |
| Equity capital to assets | 5.4610% | 4,373 |
| Core capital (leverage) ratio | 7.7570% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2463% | 1,376 |
| Memoranda: | ||
| Average total assets | $460,621,333 | 1,843 |
| Average earning assets | $429,241,333 | 1,847 |
| Average equity | $29,792,000 | 2,429 |
| Average total loans | $202,458,000 | 2,217 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6543% | 4,023 |
| Cost of funding earning assets | 0.1857% | 3,002 |
| Net interest margin | 2.4686% | 3,957 |
| Noninterest income to average assets | 1.0676% | 595 |
| Noninterest expense to average assets | 2.1930% | 2,858 |
| Loan and lease loss provision to assets | 0.0908% | 910 |
| Net operating income to assets | 0.8040% | 2,642 |
| Return on assets (ROA) | 0.8013% | 2,648 |
| Pretax return on assets | 1.0900% | 2,175 |
| Return on Equity (ROE) | 11.5061% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.5061% | 679 |
| Net charge-offs to loans | -0.0218% | 3,958 |
| Credit loss provision to net charge-offs | -954.5455% | 3,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9347% | 2,918 |
| Assets per employee ($millions) | 5.6590% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,716 |
| Loan loss allowance to noncurrent loans | 390.6793% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 1,899 |
| Noncurrent loans to loans | 0.3144% | 2,340 |
| Net loans and leases to total assets | 42.3348% | 3,861 |
| Net loans and leases to deposits | 50.4957% | 3,697 |
| Net loans and leases to core deposits | 51.9213% | 3,740 |
| Total domestic deposits to total assets | 83.8384% | 3,798 |
| Equity capital to assets | 6.3219% | 4,491 |
| Core capital (leverage) ratio | 7.7719% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8412% | 1,552 |
| Memoranda: | ||
| Average total assets | $462,741,000 | 1,850 |
| Average earning assets | $432,960,000 | 1,846 |
| Average equity | $32,226,500 | 2,376 |
| Average total loans | $201,819,500 | 2,218 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 3,992 |
| Cost of funding earning assets | 0.2664% | 2,739 |
| Net interest margin | 2.6683% | 3,931 |
| Noninterest income to average assets | 0.9383% | 1,119 |
| Noninterest expense to average assets | 2.3750% | 2,571 |
| Loan and lease loss provision to assets | 0.1963% | 560 |
| Net operating income to assets | 0.6542% | 3,736 |
| Return on assets (ROA) | 0.6591% | 3,778 |
| Pretax return on assets | 0.8814% | 3,547 |
| Return on Equity (ROE) | 8.1291% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.3313% | 3,482 |
| Net charge-offs to loans | 0.4346% | 190 |
| Credit loss provision to net charge-offs | 95.6965% | 1,845 |
| Earnings coverage of net charge-offs (x) | 5.2242% | 2,458 |
| Efficiency ratio | 68.0167% | 1,973 |
| Assets per employee ($millions) | 5.1212% | 3,628 |
| Cash dividends to net income (ytd only)* | 59.0204% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,056 |
| Loan loss allowance to noncurrent loans | 274.3888% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 1,784 |
| Noncurrent loans to loans | 0.4246% | 2,077 |
| Net loans and leases to total assets | 43.8724% | 3,846 |
| Net loans and leases to deposits | 53.0654% | 3,660 |
| Net loans and leases to core deposits | 54.5557% | 3,722 |
| Total domestic deposits to total assets | 82.6762% | 3,864 |
| Equity capital to assets | 7.6262% | 4,545 |
| Core capital (leverage) ratio | 7.7110% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0192% | 1,504 |
| Memoranda: | ||
| Average total assets | $430,569,400 | 1,894 |
| Average earning assets | $404,721,600 | 1,892 |
| Average equity | $34,911,800 | 2,296 |
| Average total loans | $203,154,400 | 2,215 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9891% | 4,022 |
| Cost of funding earning assets | 0.2757% | 2,842 |
| Net interest margin | 2.7135% | 3,941 |
| Noninterest income to average assets | 0.9516% | 1,149 |
| Noninterest expense to average assets | 2.4223% | 2,364 |
| Loan and lease loss provision to assets | 0.2326% | 415 |
| Net operating income to assets | 0.6355% | 3,938 |
| Return on assets (ROA) | 0.6405% | 3,983 |
| Pretax return on assets | 0.8520% | 3,790 |
| Return on Equity (ROE) | 7.7747% | 3,468 |
| Retained earnings to average equity (ytd only) | 1.3848% | 4,330 |
| Net charge-offs to loans | 0.3009% | 260 |
| Credit loss provision to net charge-offs | 161.2200% | 1,315 |
| Earnings coverage of net charge-offs (x) | 7.4749% | 2,134 |
| Efficiency ratio | 68.0043% | 1,838 |
| Assets per employee ($millions) | 4.9110% | 3,785 |
| Cash dividends to net income (ytd only)* | 82.1884% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,244 |
| Loan loss allowance to noncurrent loans | 141.2883% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 1,619 |
| Noncurrent loans to loans | 0.9529% | 1,207 |
| Net loans and leases to total assets | 44.8636% | 3,877 |
| Net loans and leases to deposits | 53.4541% | 3,782 |
| Net loans and leases to core deposits | 54.9563% | 3,853 |
| Total domestic deposits to total assets | 83.9292% | 3,474 |
| Equity capital to assets | 8.1002% | 4,467 |
| Core capital (leverage) ratio | 8.0854% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0409% | 1,599 |
| Memoranda: | ||
| Average total assets | $424,266,000 | 1,930 |
| Average earning assets | $398,547,000 | 1,928 |
| Average equity | $34,950,000 | 2,323 |
| Average total loans | $203,363,000 | 2,250 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9330% | 4,172 |
| Cost of funding earning assets | 0.2834% | 2,940 |
| Net interest margin | 2.6496% | 4,081 |
| Noninterest income to average assets | 0.9672% | 1,125 |
| Noninterest expense to average assets | 2.4638% | 2,260 |
| Loan and lease loss provision to assets | 0.1000% | 1,267 |
| Net operating income to assets | 0.6750% | 3,818 |
| Return on assets (ROA) | 0.6795% | 3,877 |
| Pretax return on assets | 0.8981% | 3,669 |
| Return on Equity (ROE) | 8.2015% | 3,348 |
| Retained earnings to average equity (ytd only) | -1.4253% | 4,633 |
| Net charge-offs to loans | 0.0107% | 1,755 |
| Credit loss provision to net charge-offs | 1,909.0909% | 303 |
| Earnings coverage of net charge-offs (x) | 189.4545% | 511 |
| Efficiency ratio | 69.4544% | 1,711 |
| Assets per employee ($millions) | 5.0025% | 3,655 |
| Cash dividends to net income (ytd only)* | 117.3791% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,503 |
| Loan loss allowance to noncurrent loans | 109.4053% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 1,314 |
| Noncurrent loans to loans | 1.1755% | 1,029 |
| Net loans and leases to total assets | 47.3831% | 3,789 |
| Net loans and leases to deposits | 55.2857% | 3,768 |
| Net loans and leases to core deposits | 56.8666% | 3,841 |
| Total domestic deposits to total assets | 85.7059% | 2,837 |
| Equity capital to assets | 8.2743% | 4,373 |
| Core capital (leverage) ratio | 8.0419% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2946% | 1,533 |
| Memoranda: | ||
| Average total assets | $419,995,333 | 1,940 |
| Average earning assets | $394,551,000 | 1,933 |
| Average equity | $34,798,667 | 2,324 |
| Average total loans | $204,895,667 | 2,243 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8499% | 4,315 |
| Cost of funding earning assets | 0.2861% | 3,136 |
| Net interest margin | 2.5638% | 4,214 |
| Noninterest income to average assets | 0.9888% | 1,147 |
| Noninterest expense to average assets | 2.5683% | 1,964 |
| Loan and lease loss provision to assets | 0.1000% | 1,347 |
| Net operating income to assets | 0.5587% | 4,048 |
| Return on assets (ROA) | 0.5678% | 4,078 |
| Pretax return on assets | 0.7392% | 3,934 |
| Return on Equity (ROE) | 6.8479% | 3,642 |
| Retained earnings to average equity (ytd only) | -12.3975% | 4,853 |
| Net charge-offs to loans | -0.0387% | 4,293 |
| Credit loss provision to net charge-offs | -525.0000% | 3,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8934% | 1,508 |
| Assets per employee ($millions) | 5.1162% | 3,514 |
| Cash dividends to net income (ytd only)* | 281.0403% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,777 |
| Loan loss allowance to noncurrent loans | 106.5990% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 1,490 |
| Noncurrent loans to loans | 1.1510% | 1,160 |
| Net loans and leases to total assets | 47.7725% | 3,838 |
| Net loans and leases to deposits | 54.3870% | 3,913 |
| Net loans and leases to core deposits | 55.8670% | 3,984 |
| Total domestic deposits to total assets | 87.8380% | 1,924 |
| Equity capital to assets | 8.0171% | 4,475 |
| Core capital (leverage) ratio | 8.0289% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9757% | 1,292 |
| Memoranda: | ||
| Average total assets | $419,889,500 | 1,933 |
| Average earning assets | $394,261,000 | 1,924 |
| Average equity | $34,813,500 | 2,310 |
| Average total loans | $206,493,000 | 2,231 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2961% | 4,338 |
| Cost of funding earning assets | 0.3911% | 3,638 |
| Net interest margin | 2.9049% | 4,097 |
| Noninterest income to average assets | 1.2149% | 759 |
| Noninterest expense to average assets | 2.6338% | 2,441 |
| Loan and lease loss provision to assets | 0.4116% | 736 |
| Net operating income to assets | 0.6925% | 3,457 |
| Return on assets (ROA) | 0.6917% | 3,595 |
| Pretax return on assets | 0.9011% | 3,361 |
| Return on Equity (ROE) | 7.9449% | 2,841 |
| Retained earnings to average equity (ytd only) | 2.0793% | 3,794 |
| Net charge-offs to loans | 0.6921% | 218 |
| Credit loss provision to net charge-offs | 111.9444% | 2,707 |
| Earnings coverage of net charge-offs (x) | 3.5729% | 3,069 |
| Efficiency ratio | 65.0582% | 2,670 |
| Assets per employee ($millions) | 4.8272% | 3,578 |
| Cash dividends to net income (ytd only)* | 73.8280% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 3,193 |
| Loan loss allowance to noncurrent loans | 102.3504% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 1,660 |
| Noncurrent loans to loans | 1.1272% | 1,257 |
| Net loans and leases to total assets | 49.4316% | 3,869 |
| Net loans and leases to deposits | 60.6905% | 3,706 |
| Net loans and leases to core deposits | 62.3236% | 3,814 |
| Total domestic deposits to total assets | 81.4487% | 3,772 |
| Equity capital to assets | 8.5714% | 4,396 |
| Core capital (leverage) ratio | 8.4240% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9769% | 1,061 |
| Memoranda: | ||
| Average total assets | $391,640,200 | 1,884 |
| Average earning assets | $368,407,400 | 1,877 |
| Average equity | $34,097,200 | 2,284 |
| Average total loans | $208,068,400 | 2,175 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 4,383 |
| Cost of funding earning assets | 0.4228% | 3,683 |
| Net interest margin | 2.9516% | 4,084 |
| Noninterest income to average assets | 1.2159% | 731 |
| Noninterest expense to average assets | 2.7069% | 2,236 |
| Loan and lease loss provision to assets | 0.3585% | 1,047 |
| Net operating income to assets | 0.7141% | 3,417 |
| Return on assets (ROA) | 0.7116% | 3,524 |
| Pretax return on assets | 0.9221% | 3,318 |
| Return on Equity (ROE) | 8.1400% | 2,754 |
| Retained earnings to average equity (ytd only) | 0.2332% | 4,438 |
| Net charge-offs to loans | 0.6520% | 218 |
| Credit loss provision to net charge-offs | 101.8664% | 2,609 |
| Earnings coverage of net charge-offs (x) | 3.6483% | 2,897 |
| Efficiency ratio | 65.6071% | 2,517 |
| Assets per employee ($millions) | 4.5405% | 3,794 |
| Cash dividends to net income (ytd only)* | 97.1345% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,514 |
| Loan loss allowance to noncurrent loans | 56.5876% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 949 |
| Noncurrent loans to loans | 1.8390% | 708 |
| Net loans and leases to total assets | 54.6013% | 3,746 |
| Net loans and leases to deposits | 64.6901% | 3,740 |
| Net loans and leases to core deposits | 66.3686% | 3,872 |
| Total domestic deposits to total assets | 84.4043% | 2,675 |
| Equity capital to assets | 8.9613% | 4,145 |
| Core capital (leverage) ratio | 7.9667% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5005% | 1,132 |
| Memoranda: | ||
| Average total assets | $385,766,500 | 1,891 |
| Average earning assets | $362,636,000 | 1,871 |
| Average equity | $33,725,750 | 2,292 |
| Average total loans | $208,184,750 | 2,175 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 4,449 |
| Cost of funding earning assets | 0.4618% | 3,735 |
| Net interest margin | 3.0102% | 4,104 |
| Noninterest income to average assets | 1.2379% | 663 |
| Noninterest expense to average assets | 2.7970% | 2,102 |
| Loan and lease loss provision to assets | 0.1463% | 2,548 |
| Net operating income to assets | 0.8491% | 2,873 |
| Return on assets (ROA) | 0.8454% | 2,994 |
| Pretax return on assets | 1.1099% | 2,686 |
| Return on Equity (ROE) | 9.7527% | 2,067 |
| Retained earnings to average equity (ytd only) | -2.2580% | 4,607 |
| Net charge-offs to loans | -0.0087% | 4,166 |
| Credit loss provision to net charge-offs | -3,122.2222% | 4,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6318% | 2,574 |
| Assets per employee ($millions) | 5.3708% | 2,765 |
| Cash dividends to net income (ytd only)* | 123.1527% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,714 |
| Loan loss allowance to noncurrent loans | 45.2222% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 809 |
| Noncurrent loans to loans | 2.5698% | 443 |
| Net loans and leases to total assets | 47.9456% | 4,260 |
| Net loans and leases to deposits | 58.1587% | 4,211 |
| Net loans and leases to core deposits | 59.5662% | 4,282 |
| Total domestic deposits to total assets | 82.4393% | 3,258 |
| Equity capital to assets | 7.7086% | 4,831 |
| Core capital (leverage) ratio | 7.7695% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4379% | 1,148 |
| Memoranda: | ||
| Average total assets | $384,195,333 | 1,872 |
| Average earning assets | $359,911,667 | 1,860 |
| Average equity | $33,303,667 | 2,307 |
| Average total loans | $205,763,333 | 2,177 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 4,093 |
| Cost of funding earning assets | 0.5638% | 3,622 |
| Net interest margin | 3.3079% | 3,573 |
| Noninterest income to average assets | 1.0402% | 786 |
| Noninterest expense to average assets | 3.0763% | 1,701 |
| Loan and lease loss provision to assets | 0.1981% | 1,530 |
| Net operating income to assets | 0.6726% | 3,359 |
| Return on assets (ROA) | 0.6610% | 3,467 |
| Pretax return on assets | 0.8523% | 3,277 |
| Return on Equity (ROE) | 7.1276% | 2,888 |
| Retained earnings to average equity (ytd only) | -17.2820% | 4,930 |
| Net charge-offs to loans | 0.0259% | 1,849 |
| Credit loss provision to net charge-offs | 1,346.1538% | 471 |
| Earnings coverage of net charge-offs (x) | 72.3846% | 712 |
| Efficiency ratio | 67.2861% | 2,774 |
| Assets per employee ($millions) | 4.0023% | 3,915 |
| Cash dividends to net income (ytd only)* | 342.4658% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,625 |
| Loan loss allowance to noncurrent loans | 39.0472% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 471 |
| Noncurrent loans to loans | 3.0930% | 339 |
| Net loans and leases to total assets | 56.6809% | 3,782 |
| Net loans and leases to deposits | 67.7516% | 3,741 |
| Net loans and leases to core deposits | 69.6026% | 3,902 |
| Total domestic deposits to total assets | 83.6599% | 2,901 |
| Equity capital to assets | 9.2894% | 4,402 |
| Core capital (leverage) ratio | 9.1962% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8730% | 1,378 |
| Memoranda: | ||
| Average total assets | $353,406,000 | 1,944 |
| Average earning assets | $331,330,500 | 1,929 |
| Average equity | $32,774,000 | 2,313 |
| Average total loans | $200,524,000 | 2,180 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 3,736 |
| Cost of funding earning assets | 0.6980% | 3,166 |
| Net interest margin | 3.5305% | 3,347 |
| Noninterest income to average assets | 1.1196% | 755 |
| Noninterest expense to average assets | 2.9893% | 2,047 |
| Loan and lease loss provision to assets | 0.1303% | 1,646 |
| Net operating income to assets | 0.9686% | 2,957 |
| Return on assets (ROA) | 0.9707% | 3,029 |
| Pretax return on assets | 1.2803% | 2,570 |
| Return on Equity (ROE) | 10.3972% | 2,121 |
| Retained earnings to average equity (ytd only) | 4.8482% | 2,499 |
| Net charge-offs to loans | 0.1097% | 1,635 |
| Credit loss provision to net charge-offs | 202.7650% | 1,310 |
| Earnings coverage of net charge-offs (x) | 21.9171% | 1,871 |
| Efficiency ratio | 67.9817% | 2,461 |
| Assets per employee ($millions) | 4.2661% | 3,560 |
| Cash dividends to net income (ytd only)* | 53.3699% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 2,998 |
| Loan loss allowance to noncurrent loans | 39.6045% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 572 |
| Noncurrent loans to loans | 2.7573% | 375 |
| Net loans and leases to total assets | 55.5261% | 3,955 |
| Net loans and leases to deposits | 69.6448% | 3,701 |
| Net loans and leases to core deposits | 71.6730% | 3,875 |
| Total domestic deposits to total assets | 79.7275% | 4,037 |
| Equity capital to assets | 9.2589% | 4,523 |
| Core capital (leverage) ratio | 9.5287% | 4,028 |
| Tier 1 risk-based capital ratio | 16.0745% | 2,378 |
| Total risk-based capital ratio | 17.1796% | 2,375 |
| Memoranda: | ||
| Average total assets | $337,810,000 | 1,952 |
| Average earning assets | $313,611,000 | 1,950 |
| Average equity | $31,537,400 | 2,318 |
| Average total loans | $197,734,200 | 2,184 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 3,586 |
| Cost of funding earning assets | 0.7256% | 3,093 |
| Net interest margin | 3.5968% | 3,261 |
| Noninterest income to average assets | 1.0816% | 786 |
| Noninterest expense to average assets | 3.0598% | 1,805 |
| Loan and lease loss provision to assets | 0.1468% | 1,299 |
| Net operating income to assets | 0.9154% | 3,286 |
| Return on assets (ROA) | 0.9179% | 3,361 |
| Pretax return on assets | 1.2066% | 2,960 |
| Return on Equity (ROE) | 9.8102% | 2,510 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,177 |
| Net charge-offs to loans | 0.1379% | 1,164 |
| Credit loss provision to net charge-offs | 179.8030% | 1,430 |
| Earnings coverage of net charge-offs (x) | 16.5419% | 2,138 |
| Efficiency ratio | 69.3837% | 2,208 |
| Assets per employee ($millions) | 3.8852% | 4,048 |
| Cash dividends to net income (ytd only)* | 76.6538% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 2,925 |
| Loan loss allowance to noncurrent loans | 113.7895% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 2,008 |
| Noncurrent loans to loans | 0.9855% | 1,625 |
| Net loans and leases to total assets | 56.3974% | 4,022 |
| Net loans and leases to deposits | 68.4082% | 3,895 |
| Net loans and leases to core deposits | 70.3958% | 4,038 |
| Total domestic deposits to total assets | 82.4425% | 3,337 |
| Equity capital to assets | 9.6181% | 4,370 |
| Core capital (leverage) ratio | 9.6630% | 4,009 |
| Tier 1 risk-based capital ratio | 16.4388% | 2,292 |
| Total risk-based capital ratio | 17.5728% | 2,261 |
| Memoranda: | ||
| Average total assets | $331,608,750 | 1,985 |
| Average earning assets | $306,860,000 | 1,993 |
| Average equity | $31,028,250 | 2,356 |
| Average total loans | $196,275,500 | 2,213 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 3,567 |
| Cost of funding earning assets | 0.7356% | 2,972 |
| Net interest margin | 3.5878% | 3,301 |
| Noninterest income to average assets | 1.0338% | 813 |
| Noninterest expense to average assets | 3.0892% | 1,761 |
| Loan and lease loss provision to assets | 0.1760% | 1,022 |
| Net operating income to assets | 0.8267% | 3,556 |
| Return on assets (ROA) | 0.8286% | 3,610 |
| Pretax return on assets | 1.0841% | 3,277 |
| Return on Equity (ROE) | 8.9408% | 2,878 |
| Retained earnings to average equity (ytd only) | -2.5218% | 4,949 |
| Net charge-offs to loans | 0.1975% | 838 |
| Credit loss provision to net charge-offs | 148.7179% | 1,506 |
| Earnings coverage of net charge-offs (x) | 10.6256% | 2,252 |
| Efficiency ratio | 71.0655% | 2,062 |
| Assets per employee ($millions) | 3.8052% | 4,118 |
| Cash dividends to net income (ytd only)* | 128.2051% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,176 |
| Loan loss allowance to noncurrent loans | 130.1242% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 1,308 |
| Noncurrent loans to loans | 0.8299% | 1,932 |
| Net loans and leases to total assets | 57.9666% | 3,918 |
| Net loans and leases to deposits | 70.5295% | 3,797 |
| Net loans and leases to core deposits | 72.2793% | 3,987 |
| Total domestic deposits to total assets | 82.1878% | 3,461 |
| Equity capital to assets | 9.5022% | 4,399 |
| Core capital (leverage) ratio | 9.5510% | 4,103 |
| Tier 1 risk-based capital ratio | 15.6718% | 2,556 |
| Total risk-based capital ratio | 16.7510% | 2,554 |
| Memoranda: | ||
| Average total assets | $329,475,000 | 2,006 |
| Average earning assets | $304,253,330 | 2,012 |
| Average equity | $30,534,330 | 2,377 |
| Average total loans | $197,437,000 | 2,210 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 3,631 |
| Cost of funding earning assets | 0.7363% | 2,855 |
| Net interest margin | 3.5382% | 3,469 |
| Noninterest income to average assets | 0.9857% | 839 |
| Noninterest expense to average assets | 3.1604% | 1,596 |
| Loan and lease loss provision to assets | 0.2616% | 543 |
| Net operating income to assets | 0.6538% | 4,078 |
| Return on assets (ROA) | 0.6596% | 4,100 |
| Pretax return on assets | 0.8519% | 3,912 |
| Return on Equity (ROE) | 7.2091% | 3,589 |
| Retained earnings to average equity (ytd only) | -16.0676% | 5,218 |
| Net charge-offs to loans | 0.4619% | 335 |
| Credit loss provision to net charge-offs | 93.4783% | 1,687 |
| Earnings coverage of net charge-offs (x) | 3.9522% | 2,363 |
| Efficiency ratio | 74.0730% | 1,747 |
| Assets per employee ($millions) | 3.8644% | 4,105 |
| Cash dividends to net income (ytd only)* | 322.8782% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,667 |
| Loan loss allowance to noncurrent loans | 177.7081% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 1,584 |
| Noncurrent loans to loans | 0.5654% | 2,630 |
| Net loans and leases to total assets | 58.1695% | 3,869 |
| Net loans and leases to deposits | 69.3917% | 3,811 |
| Net loans and leases to core deposits | 72.6437% | 3,900 |
| Total domestic deposits to total assets | 83.8278% | 3,109 |
| Equity capital to assets | 8.8538% | 4,778 |
| Core capital (leverage) ratio | 9.3557% | 4,312 |
| Tier 1 risk-based capital ratio | 15.0671% | 2,864 |
| Total risk-based capital ratio | 16.0783% | 2,883 |
| Memoranda: | ||
| Average total assets | $328,688,000 | 2,028 |
| Average earning assets | $304,785,000 | 2,026 |
| Average equity | $30,073,000 | 2,406 |
| Average total loans | $199,159,000 | 2,218 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 4,222 |
| Cost of funding earning assets | 0.6186% | 2,593 |
| Net interest margin | 3.3078% | 4,236 |
| Noninterest income to average assets | 1.0710% | 818 |
| Noninterest expense to average assets | 2.9155% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9219% | 3,360 |
| Return on assets (ROA) | 0.9219% | 3,347 |
| Pretax return on assets | 1.2534% | 2,684 |
| Return on Equity (ROE) | 10.4115% | 2,341 |
| Retained earnings to average equity (ytd only) | 10.4115% | 541 |
| Net charge-offs to loans | 0.0290% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 72.5179% | 911 |
| Efficiency ratio | 69.9341% | 2,200 |
| Assets per employee ($millions) | 3.6496% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 3,728 |
| Loan loss allowance to noncurrent loans | 77.3694% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 1,680 |
| Noncurrent loans to loans | 1.2876% | 1,230 |
| Net loans and leases to total assets | 61.8874% | 3,578 |
| Net loans and leases to deposits | 73.2454% | 3,565 |
| Net loans and leases to core deposits | 76.8015% | 3,655 |
| Total domestic deposits to total assets | 84.4932% | 2,839 |
| Equity capital to assets | 9.4589% | 4,164 |
| Core capital (leverage) ratio | 9.7394% | 3,868 |
| Tier 1 risk-based capital ratio | 15.5856% | 2,581 |
| Total risk-based capital ratio | 16.5980% | 2,604 |
| Memoranda: | ||
| Average total assets | $323,987,800 | 2,028 |
| Average earning assets | $303,434,600 | 2,003 |
| Average equity | $28,689,400 | 2,416 |
| Average total loans | $192,832,800 | 2,227 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 4,363 |
| Cost of funding earning assets | 0.5939% | 2,514 |
| Net interest margin | 3.2402% | 4,430 |
| Noninterest income to average assets | 1.0410% | 879 |
| Noninterest expense to average assets | 2.8950% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8563% | 3,710 |
| Return on assets (ROA) | 0.8582% | 3,708 |
| Pretax return on assets | 1.1773% | 3,082 |
| Return on Equity (ROE) | 9.8581% | 2,687 |
| Retained earnings to average equity (ytd only) | 9.8581% | 967 |
| Net charge-offs to loans | 0.0182% | 2,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 110.0251% | 704 |
| Efficiency ratio | 71.1331% | 2,017 |
| Assets per employee ($millions) | 3.6208% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,431 |
| Loan loss allowance to noncurrent loans | 176.3684% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,084 |
| Noncurrent loans to loans | 0.5991% | 2,584 |
| Net loans and leases to total assets | 58.9878% | 3,949 |
| Net loans and leases to deposits | 70.3956% | 3,890 |
| Net loans and leases to core deposits | 74.4152% | 3,920 |
| Total domestic deposits to total assets | 83.7947% | 3,016 |
| Equity capital to assets | 8.9721% | 4,573 |
| Core capital (leverage) ratio | 9.4656% | 4,217 |
| Tier 1 risk-based capital ratio | 15.7228% | 2,560 |
| Total risk-based capital ratio | 16.7893% | 2,567 |
| Memoranda: | ||
| Average total assets | $324,692,500 | 2,027 |
| Average earning assets | $303,512,500 | 2,016 |
| Average equity | $28,267,000 | 2,449 |
| Average total loans | $190,850,250 | 2,252 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,530 |
| Cost of funding earning assets | 0.5687% | 2,443 |
| Net interest margin | 3.1536% | 4,607 |
| Noninterest income to average assets | 1.0052% | 949 |
| Noninterest expense to average assets | 2.8761% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7741% | 3,941 |
| Return on assets (ROA) | 0.7809% | 3,920 |
| Pretax return on assets | 1.0918% | 3,349 |
| Return on Equity (ROE) | 9.0618% | 2,989 |
| Retained earnings to average equity (ytd only) | 9.0618% | 1,193 |
| Net charge-offs to loans | -0.0620% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6412% | 1,895 |
| Assets per employee ($millions) | 3.6196% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,211 |
| Loan loss allowance to noncurrent loans | 147.4895% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,689 |
| Noncurrent loans to loans | 0.7517% | 2,236 |
| Net loans and leases to total assets | 58.5621% | 3,944 |
| Net loans and leases to deposits | 71.3236% | 3,762 |
| Net loans and leases to core deposits | 75.4736% | 3,780 |
| Total domestic deposits to total assets | 82.1075% | 3,682 |
| Equity capital to assets | 8.8034% | 4,713 |
| Core capital (leverage) ratio | 9.4318% | 4,199 |
| Tier 1 risk-based capital ratio | 15.5616% | 2,609 |
| Total risk-based capital ratio | 16.6903% | 2,595 |
| Memoranda: | ||
| Average total assets | $325,505,670 | 2,030 |
| Average earning assets | $304,924,000 | 2,021 |
| Average equity | $28,051,670 | 2,474 |
| Average total loans | $190,427,000 | 2,259 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6211% | 4,659 |
| Cost of funding earning assets | 0.5579% | 2,336 |
| Net interest margin | 3.0632% | 4,772 |
| Noninterest income to average assets | 0.9316% | 1,069 |
| Noninterest expense to average assets | 2.7874% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6887% | 4,139 |
| Return on assets (ROA) | 0.6993% | 4,107 |
| Pretax return on assets | 1.0441% | 3,380 |
| Return on Equity (ROE) | 8.2015% | 3,293 |
| Retained earnings to average equity (ytd only) | 8.2015% | 1,767 |
| Net charge-offs to loans | -0.0063% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0067% | 2,041 |
| Assets per employee ($millions) | 3.6626% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,364 |
| Loan loss allowance to noncurrent loans | 156.4590% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 2,966 |
| Noncurrent loans to loans | 0.7048% | 2,448 |
| Net loans and leases to total assets | 57.9553% | 3,942 |
| Net loans and leases to deposits | 69.4704% | 3,831 |
| Net loans and leases to core deposits | 75.0497% | 3,737 |
| Total domestic deposits to total assets | 83.4244% | 3,531 |
| Equity capital to assets | 8.7289% | 4,802 |
| Core capital (leverage) ratio | 9.1509% | 4,503 |
| Tier 1 risk-based capital ratio | 15.6638% | 2,607 |
| Total risk-based capital ratio | 16.7972% | 2,588 |
| Memoranda: | ||
| Average total assets | $327,185,000 | 2,034 |
| Average earning assets | $308,303,000 | 2,007 |
| Average equity | $27,897,500 | 2,502 |
| Average total loans | $190,255,000 | 2,272 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5192% | 4,758 |
| Cost of funding earning assets | 0.4926% | 2,403 |
| Net interest margin | 3.0266% | 4,826 |
| Noninterest income to average assets | 1.0499% | 920 |
| Noninterest expense to average assets | 2.8225% | 2,700 |
| Loan and lease loss provision to assets | 0.0564% | 3,099 |
| Net operating income to assets | 0.6600% | 3,786 |
| Return on assets (ROA) | 0.6748% | 3,760 |
| Pretax return on assets | 1.0470% | 3,390 |
| Return on Equity (ROE) | 8.3270% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.3270% | 661 |
| Net charge-offs to loans | 0.0979% | 2,101 |
| Credit loss provision to net charge-offs | 97.2973% | 2,653 |
| Earnings coverage of net charge-offs (x) | 18.6378% | 2,068 |
| Efficiency ratio | 72.3208% | 2,174 |
| Assets per employee ($millions) | 3.9967% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,551 |
| Loan loss allowance to noncurrent loans | 153.2042% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 2,937 |
| Noncurrent loans to loans | 0.6925% | 2,483 |
| Net loans and leases to total assets | 57.1073% | 4,102 |
| Net loans and leases to deposits | 71.0126% | 3,789 |
| Net loans and leases to core deposits | 76.5983% | 3,693 |
| Total domestic deposits to total assets | 80.4186% | 4,261 |
| Equity capital to assets | 8.3345% | 5,240 |
| Core capital (leverage) ratio | 8.8688% | 4,794 |
| Tier 1 risk-based capital ratio | 14.9094% | 2,888 |
| Total risk-based capital ratio | 16.0082% | 2,891 |
| Memoranda: | ||
| Average total assets | $319,182,600 | 2,068 |
| Average earning assets | $300,865,800 | 2,037 |
| Average equity | $25,867,800 | 2,615 |
| Average total loans | $188,893,600 | 2,250 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 4,802 |
| Cost of funding earning assets | 0.4762% | 2,467 |
| Net interest margin | 3.0303% | 4,854 |
| Noninterest income to average assets | 1.0555% | 918 |
| Noninterest expense to average assets | 2.8431% | 2,586 |
| Loan and lease loss provision to assets | 0.0762% | 2,550 |
| Net operating income to assets | 0.6390% | 4,233 |
| Return on assets (ROA) | 0.6594% | 4,216 |
| Pretax return on assets | 1.0165% | 3,618 |
| Return on Equity (ROE) | 8.1978% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.1978% | 1,140 |
| Net charge-offs to loans | 0.2018% | 1,056 |
| Credit loss provision to net charge-offs | 63.3803% | 2,766 |
| Earnings coverage of net charge-offs (x) | 8.8309% | 2,738 |
| Efficiency ratio | 72.8160% | 2,071 |
| Assets per employee ($millions) | 3.6878% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,730 |
| Loan loss allowance to noncurrent loans | 174.5763% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 3,470 |
| Noncurrent loans to loans | 0.6075% | 2,889 |
| Net loans and leases to total assets | 57.5692% | 4,102 |
| Net loans and leases to deposits | 72.1289% | 3,756 |
| Net loans and leases to core deposits | 78.1932% | 3,613 |
| Total domestic deposits to total assets | 79.8144% | 4,359 |
| Equity capital to assets | 8.2664% | 5,412 |
| Core capital (leverage) ratio | 8.4889% | 5,256 |
| Tier 1 risk-based capital ratio | 14.6488% | 3,102 |
| Total risk-based capital ratio | 15.7649% | 3,087 |
| Memoranda: | ||
| Average total assets | $315,046,750 | 2,105 |
| Average earning assets | $296,199,250 | 2,073 |
| Average equity | $25,339,500 | 2,677 |
| Average total loans | $187,672,000 | 2,274 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 4,788 |
| Cost of funding earning assets | 0.4478% | 2,623 |
| Net interest margin | 3.0429% | 4,810 |
| Noninterest income to average assets | 1.0428% | 940 |
| Noninterest expense to average assets | 2.8472% | 2,591 |
| Loan and lease loss provision to assets | 0.0668% | 2,634 |
| Net operating income to assets | 0.6489% | 4,088 |
| Return on assets (ROA) | 0.6795% | 4,005 |
| Pretax return on assets | 1.0383% | 3,411 |
| Return on Equity (ROE) | 8.5280% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.5280% | 992 |
| Net charge-offs to loans | 0.3169% | 644 |
| Credit loss provision to net charge-offs | 35.1171% | 2,684 |
| Earnings coverage of net charge-offs (x) | 5.5619% | 2,814 |
| Efficiency ratio | 72.9065% | 2,200 |
| Assets per employee ($millions) | 3.7301% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 4,066 |
| Loan loss allowance to noncurrent loans | 177.8095% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,604 |
| Noncurrent loans to loans | 0.5698% | 3,019 |
| Net loans and leases to total assets | 58.2132% | 4,004 |
| Net loans and leases to deposits | 72.0601% | 3,731 |
| Net loans and leases to core deposits | 78.0952% | 3,586 |
| Total domestic deposits to total assets | 80.7842% | 4,240 |
| Equity capital to assets | 8.2443% | 5,423 |
| Core capital (leverage) ratio | 8.3886% | 5,290 |
| Tier 1 risk-based capital ratio | 14.3610% | 3,234 |
| Total risk-based capital ratio | 15.4261% | 3,244 |
| Memoranda: | ||
| Average total assets | $314,345,000 | 2,108 |
| Average earning assets | $295,700,000 | 2,085 |
| Average equity | $25,047,000 | 2,701 |
| Average total loans | $188,716,330 | 2,269 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4552% | 4,817 |
| Cost of funding earning assets | 0.4263% | 2,755 |
| Net interest margin | 3.0289% | 4,832 |
| Noninterest income to average assets | 1.0370% | 936 |
| Noninterest expense to average assets | 2.8593% | 2,582 |
| Loan and lease loss provision to assets | 0.0635% | 2,534 |
| Net operating income to assets | 0.6367% | 3,994 |
| Return on assets (ROA) | 0.6367% | 4,035 |
| Pretax return on assets | 0.9671% | 3,506 |
| Return on Equity (ROE) | 8.1283% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.1283% | 1,407 |
| Net charge-offs to loans | 0.0796% | 1,539 |
| Credit loss provision to net charge-offs | 131.5789% | 1,303 |
| Earnings coverage of net charge-offs (x) | 21.3421% | 1,449 |
| Efficiency ratio | 73.5054% | 2,319 |
| Assets per employee ($millions) | 3.6989% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,737 |
| Loan loss allowance to noncurrent loans | 148.9224% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 3,225 |
| Noncurrent loans to loans | 0.7357% | 2,655 |
| Net loans and leases to total assets | 60.9513% | 3,675 |
| Net loans and leases to deposits | 76.9333% | 3,088 |
| Net loans and leases to core deposits | 82.4611% | 3,046 |
| Total domestic deposits to total assets | 79.2261% | 4,784 |
| Equity capital to assets | 8.1376% | 5,454 |
| Core capital (leverage) ratio | 8.3453% | 5,347 |
| Tier 1 risk-based capital ratio | 13.8400% | 3,580 |
| Total risk-based capital ratio | 15.0019% | 3,536 |
| Memoranda: | ||
| Average total assets | $314,765,000 | 2,124 |
| Average earning assets | $296,478,500 | 2,092 |
| Average equity | $24,654,500 | 2,736 |
| Average total loans | $190,941,000 | 2,265 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 4,554 |
| Cost of funding earning assets | 0.4154% | 2,858 |
| Net interest margin | 3.1685% | 4,540 |
| Noninterest income to average assets | 1.1510% | 859 |
| Noninterest expense to average assets | 2.8773% | 2,754 |
| Loan and lease loss provision to assets | 0.1005% | 2,368 |
| Net operating income to assets | 0.7532% | 3,523 |
| Return on assets (ROA) | 0.7532% | 3,641 |
| Pretax return on assets | 1.1557% | 2,872 |
| Return on Equity (ROE) | 9.0641% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.0240% | 3,051 |
| Net charge-offs to loans | 0.0584% | 2,881 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 34.0818% | 1,325 |
| Efficiency ratio | 69.6093% | 2,979 |
| Assets per employee ($millions) | 3.8858% | 4,168 |
| Cash dividends to net income (ytd only)* | 55.6050% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,894 |
| Loan loss allowance to noncurrent loans | 174.5131% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 3,609 |
| Noncurrent loans to loans | 0.6129% | 3,013 |
| Net loans and leases to total assets | 59.1038% | 3,949 |
| Net loans and leases to deposits | 75.0790% | 3,400 |
| Net loans and leases to core deposits | 80.3558% | 3,366 |
| Total domestic deposits to total assets | 78.7222% | 4,860 |
| Equity capital to assets | 7.5424% | 5,710 |
| Core capital (leverage) ratio | 8.3954% | 5,375 |
| Tier 1 risk-based capital ratio | 13.4176% | 3,824 |
| Total risk-based capital ratio | 14.5602% | 3,800 |
| Memoranda: | ||
| Average total assets | $298,441,200 | 2,174 |
| Average earning assets | $280,922,400 | 2,149 |
| Average equity | $24,801,200 | 2,740 |
| Average total loans | $188,405,000 | 2,223 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 4,402 |
| Cost of funding earning assets | 0.4170% | 2,867 |
| Net interest margin | 3.2342% | 4,389 |
| Noninterest income to average assets | 1.1873% | 822 |
| Noninterest expense to average assets | 2.9418% | 2,492 |
| Loan and lease loss provision to assets | 0.1026% | 2,205 |
| Net operating income to assets | 0.7696% | 3,518 |
| Return on assets (ROA) | 0.7696% | 3,658 |
| Pretax return on assets | 1.1809% | 2,914 |
| Return on Equity (ROE) | 9.0313% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.0313% | 803 |
| Net charge-offs to loans | 0.0754% | 2,244 |
| Credit loss provision to net charge-offs | 212.2642% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.5566% | 1,592 |
| Efficiency ratio | 69.6234% | 2,945 |
| Assets per employee ($millions) | 3.4837% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,055 |
| Loan loss allowance to noncurrent loans | 208.5954% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 3,840 |
| Noncurrent loans to loans | 0.5095% | 3,473 |
| Net loans and leases to total assets | 63.3052% | 3,487 |
| Net loans and leases to deposits | 81.8855% | 2,750 |
| Net loans and leases to core deposits | 88.1617% | 2,742 |
| Total domestic deposits to total assets | 77.3093% | 5,029 |
| Equity capital to assets | 8.8488% | 5,285 |
| Core capital (leverage) ratio | 8.8926% | 4,950 |
| Tier 1 risk-based capital ratio | 14.2201% | 3,449 |
| Total risk-based capital ratio | 15.3588% | 3,425 |
| Memoranda: | ||
| Average total assets | $292,420,500 | 2,220 |
| Average earning assets | $274,682,500 | 2,191 |
| Average equity | $24,920,000 | 2,749 |
| Average total loans | $187,335,000 | 2,236 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 4,479 |
| Cost of funding earning assets | 0.4040% | 2,990 |
| Net interest margin | 3.2346% | 4,424 |
| Noninterest income to average assets | 1.0939% | 937 |
| Noninterest expense to average assets | 2.9307% | 2,580 |
| Loan and lease loss provision to assets | 0.1026% | 2,132 |
| Net operating income to assets | 0.7272% | 3,668 |
| Return on assets (ROA) | 0.7272% | 3,820 |
| Pretax return on assets | 1.1110% | 3,158 |
| Return on Equity (ROE) | 8.6439% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.6439% | 953 |
| Net charge-offs to loans | 0.0950% | 1,893 |
| Credit loss provision to net charge-offs | 168.5393% | 1,467 |
| Earnings coverage of net charge-offs (x) | 19.9326% | 1,749 |
| Efficiency ratio | 70.7164% | 2,874 |
| Assets per employee ($millions) | 3.4716% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 4,352 |
| Loan loss allowance to noncurrent loans | 181.7498% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,755 |
| Noncurrent loans to loans | 0.5663% | 3,367 |
| Net loans and leases to total assets | 64.4724% | 3,295 |
| Net loans and leases to deposits | 82.8986% | 2,602 |
| Net loans and leases to core deposits | 89.3045% | 2,603 |
| Total domestic deposits to total assets | 77.7726% | 5,042 |
| Equity capital to assets | 8.7709% | 5,428 |
| Core capital (leverage) ratio | 8.5863% | 5,280 |
| Tier 1 risk-based capital ratio | 13.7839% | 3,731 |
| Total risk-based capital ratio | 14.8833% | 3,733 |
| Memoranda: | ||
| Average total assets | $292,351,670 | 2,231 |
| Average earning assets | $275,710,330 | 2,199 |
| Average equity | $24,595,330 | 2,777 |
| Average total loans | $187,367,330 | 2,240 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,605 |
| Cost of funding earning assets | 0.3780% | 3,318 |
| Net interest margin | 3.2256% | 4,493 |
| Noninterest income to average assets | 1.0555% | 969 |
| Noninterest expense to average assets | 2.9560% | 2,524 |
| Loan and lease loss provision to assets | 0.1019% | 1,999 |
| Net operating income to assets | 0.6792% | 3,818 |
| Return on assets (ROA) | 0.6792% | 3,938 |
| Pretax return on assets | 1.0351% | 3,337 |
| Return on Equity (ROE) | 8.2452% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.2452% | 1,357 |
| Net charge-offs to loans | 0.0085% | 2,838 |
| Credit loss provision to net charge-offs | 1,875.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 209.2500% | 292 |
| Efficiency ratio | 72.2204% | 2,768 |
| Assets per employee ($millions) | 3.7430% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 4,362 |
| Loan loss allowance to noncurrent loans | 149.8457% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 3,658 |
| Noncurrent loans to loans | 0.6973% | 3,103 |
| Net loans and leases to total assets | 62.2012% | 3,497 |
| Net loans and leases to deposits | 82.7819% | 2,456 |
| Net loans and leases to core deposits | 84.8103% | 2,864 |
| Total domestic deposits to total assets | 75.1387% | 5,508 |
| Equity capital to assets | 8.3243% | 5,681 |
| Core capital (leverage) ratio | 8.4473% | 5,442 |
| Tier 1 risk-based capital ratio | 13.4488% | 4,008 |
| Total risk-based capital ratio | 14.5518% | 4,020 |
| Memoranda: | ||
| Average total assets | $294,455,000 | 2,219 |
| Average earning assets | $277,285,000 | 2,198 |
| Average equity | $24,256,500 | 2,812 |
| Average total loans | $187,198,000 | 2,238 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 4,502 |
| Cost of funding earning assets | 0.3669% | 3,513 |
| Net interest margin | 3.2888% | 4,331 |
| Noninterest income to average assets | 1.0089% | 1,161 |
| Noninterest expense to average assets | 2.7687% | 3,356 |
| Loan and lease loss provision to assets | 0.1327% | 1,800 |
| Net operating income to assets | 0.7686% | 3,472 |
| Return on assets (ROA) | 0.7686% | 3,558 |
| Pretax return on assets | 1.1872% | 2,706 |
| Return on Equity (ROE) | 9.2621% | 2,337 |
| Retained earnings to average equity (ytd only) | 3.9317% | 3,243 |
| Net charge-offs to loans | 0.1375% | 1,979 |
| Credit loss provision to net charge-offs | 151.8219% | 1,757 |
| Earnings coverage of net charge-offs (x) | 15.1012% | 2,231 |
| Efficiency ratio | 67.7168% | 3,619 |
| Assets per employee ($millions) | 3.7591% | 4,359 |
| Cash dividends to net income (ytd only)* | 57.5506% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,658 |
| Loan loss allowance to noncurrent loans | 146.4006% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 3,675 |
| Noncurrent loans to loans | 0.6779% | 3,167 |
| Net loans and leases to total assets | 63.6588% | 3,328 |
| Net loans and leases to deposits | 83.8261% | 2,382 |
| Net loans and leases to core deposits | 85.7430% | 2,813 |
| Total domestic deposits to total assets | 75.9415% | 5,446 |
| Equity capital to assets | 8.1505% | 5,785 |
| Core capital (leverage) ratio | 8.1984% | 5,700 |
| Tier 1 risk-based capital ratio | 13.1842% | 4,180 |
| Total risk-based capital ratio | 14.2489% | 4,228 |
| Memoranda: | ||
| Average total assets | $282,592,000 | 2,250 |
| Average earning assets | $264,628,200 | 2,237 |
| Average equity | $23,450,400 | 2,840 |
| Average total loans | $179,688,400 | 2,245 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 4,567 |
| Cost of funding earning assets | 0.3649% | 3,603 |
| Net interest margin | 3.2883% | 4,402 |
| Noninterest income to average assets | 0.9745% | 1,244 |
| Noninterest expense to average assets | 2.7729% | 3,295 |
| Loan and lease loss provision to assets | 0.1429% | 1,543 |
| Net operating income to assets | 0.7292% | 3,768 |
| Return on assets (ROA) | 0.7292% | 3,878 |
| Pretax return on assets | 1.1231% | 3,125 |
| Return on Equity (ROE) | 8.7464% | 2,707 |
| Retained earnings to average equity (ytd only) | 1.6053% | 5,065 |
| Net charge-offs to loans | 0.1750% | 1,426 |
| Credit loss provision to net charge-offs | 128.7554% | 1,889 |
| Earnings coverage of net charge-offs (x) | 11.4077% | 2,493 |
| Efficiency ratio | 68.6557% | 3,425 |
| Assets per employee ($millions) | 3.7068% | 4,432 |
| Cash dividends to net income (ytd only)* | 81.6463% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,852 |
| Loan loss allowance to noncurrent loans | 178.6772% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,097 |
| Noncurrent loans to loans | 0.5473% | 3,703 |
| Net loans and leases to total assets | 63.3886% | 3,396 |
| Net loans and leases to deposits | 83.3292% | 2,481 |
| Net loans and leases to core deposits | 85.2950% | 2,918 |
| Total domestic deposits to total assets | 76.0700% | 5,475 |
| Equity capital to assets | 8.1268% | 5,912 |
| Core capital (leverage) ratio | 8.3115% | 5,712 |
| Tier 1 risk-based capital ratio | 12.7501% | 4,578 |
| Total risk-based capital ratio | 13.7747% | 4,642 |
| Memoranda: | ||
| Average total assets | $279,937,500 | 2,286 |
| Average earning assets | $260,879,500 | 2,277 |
| Average equity | $23,338,500 | 2,872 |
| Average total loans | $177,479,250 | 2,277 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,636 |
| Cost of funding earning assets | 0.3611% | 3,686 |
| Net interest margin | 3.2698% | 4,418 |
| Noninterest income to average assets | 0.9672% | 1,249 |
| Noninterest expense to average assets | 2.7659% | 3,362 |
| Loan and lease loss provision to assets | 0.1625% | 1,306 |
| Net operating income to assets | 0.7173% | 3,809 |
| Return on assets (ROA) | 0.7173% | 3,927 |
| Pretax return on assets | 1.1066% | 3,144 |
| Return on Equity (ROE) | 8.5289% | 2,784 |
| Retained earnings to average equity (ytd only) | -2.2074% | 5,854 |
| Net charge-offs to loans | 0.2355% | 1,099 |
| Credit loss provision to net charge-offs | 109.2233% | 1,934 |
| Earnings coverage of net charge-offs (x) | 8.5291% | 2,552 |
| Efficiency ratio | 68.5464% | 3,586 |
| Assets per employee ($millions) | 3.6889% | 4,449 |
| Cash dividends to net income (ytd only)* | 125.8812% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,927 |
| Loan loss allowance to noncurrent loans | 161.2077% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 4,107 |
| Noncurrent loans to loans | 0.6127% | 3,629 |
| Net loans and leases to total assets | 62.9994% | 3,412 |
| Net loans and leases to deposits | 80.9194% | 2,678 |
| Net loans and leases to core deposits | 82.8395% | 3,097 |
| Total domestic deposits to total assets | 77.8545% | 5,304 |
| Equity capital to assets | 8.1693% | 5,902 |
| Core capital (leverage) ratio | 8.2341% | 5,762 |
| Tier 1 risk-based capital ratio | 12.9245% | 4,560 |
| Total risk-based capital ratio | 13.9603% | 4,599 |
| Memoranda: | ||
| Average total assets | $276,873,000 | 2,326 |
| Average earning assets | $259,774,670 | 2,297 |
| Average equity | $23,285,670 | 2,890 |
| Average total loans | $174,943,670 | 2,313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 4,496 |
| Cost of funding earning assets | 0.3606% | 3,743 |
| Net interest margin | 3.3004% | 4,217 |
| Noninterest income to average assets | 1.1282% | 880 |
| Noninterest expense to average assets | 2.8161% | 3,197 |
| Loan and lease loss provision to assets | 0.2181% | 813 |
| Net operating income to assets | 0.7487% | 3,547 |
| Return on assets (ROA) | 0.7487% | 3,681 |
| Pretax return on assets | 1.1674% | 2,798 |
| Return on Equity (ROE) | 8.7745% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.7745% | 1,276 |
| Net charge-offs to loans | 0.3394% | 719 |
| Credit loss provision to net charge-offs | 102.0408% | 1,584 |
| Earnings coverage of net charge-offs (x) | 6.4830% | 2,286 |
| Efficiency ratio | 67.0242% | 3,986 |
| Assets per employee ($millions) | 3.8232% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,978 |
| Loan loss allowance to noncurrent loans | 178.7103% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 4,310 |
| Noncurrent loans to loans | 0.5635% | 3,897 |
| Net loans and leases to total assets | 61.4917% | 3,449 |
| Net loans and leases to deposits | 80.5430% | 2,499 |
| Net loans and leases to core deposits | 82.4986% | 2,908 |
| Total domestic deposits to total assets | 76.3465% | 5,697 |
| Equity capital to assets | 8.5114% | 5,732 |
| Core capital (leverage) ratio | 8.5640% | 5,459 |
| Tier 1 risk-based capital ratio | 14.1623% | 3,905 |
| Total risk-based capital ratio | 15.2503% | 3,938 |
| Memoranda: | ||
| Average total assets | $275,132,000 | 2,349 |
| Average earning assets | $256,211,500 | 2,338 |
| Average equity | $23,477,000 | 2,887 |
| Average total loans | $173,223,500 | 2,336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,966 |
| Cost of funding earning assets | 0.3773% | 3,939 |
| Net interest margin | 3.2631% | 4,710 |
| Noninterest income to average assets | 1.0552% | 1,093 |
| Noninterest expense to average assets | 2.6794% | 3,944 |
| Loan and lease loss provision to assets | 0.2340% | 1,030 |
| Net operating income to assets | 0.7776% | 3,482 |
| Return on assets (ROA) | 0.8167% | 3,380 |
| Pretax return on assets | 1.2726% | 2,336 |
| Return on Equity (ROE) | 10.1297% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.1297% | 495 |
| Net charge-offs to loans | 0.2452% | 1,744 |
| Credit loss provision to net charge-offs | 157.9602% | 1,531 |
| Earnings coverage of net charge-offs (x) | 9.7562% | 2,703 |
| Efficiency ratio | 64.9571% | 4,409 |
| Assets per employee ($millions) | 3.7146% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 5,004 |
| Loan loss allowance to noncurrent loans | 189.6627% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 4,232 |
| Noncurrent loans to loans | 0.5310% | 4,072 |
| Net loans and leases to total assets | 63.1848% | 3,336 |
| Net loans and leases to deposits | 83.3728% | 2,288 |
| Net loans and leases to core deposits | 85.3642% | 2,745 |
| Total domestic deposits to total assets | 75.7859% | 5,767 |
| Equity capital to assets | 8.5552% | 5,694 |
| Core capital (leverage) ratio | 8.2918% | 5,786 |
| Tier 1 risk-based capital ratio | 14.0008% | 4,098 |
| Total risk-based capital ratio | 15.1033% | 4,139 |
| Memoranda: | ||
| Average total assets | $271,327,800 | 2,354 |
| Average earning assets | $255,244,800 | 2,306 |
| Average equity | $21,876,200 | 2,963 |
| Average total loans | $163,960,400 | 2,389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 5,110 |
| Cost of funding earning assets | 0.3792% | 4,030 |
| Net interest margin | 3.2333% | 4,845 |
| Noninterest income to average assets | 1.0652% | 1,081 |
| Noninterest expense to average assets | 2.6473% | 4,025 |
| Loan and lease loss provision to assets | 0.2751% | 753 |
| Net operating income to assets | 0.7595% | 3,630 |
| Return on assets (ROA) | 0.8117% | 3,472 |
| Pretax return on assets | 1.2617% | 2,526 |
| Return on Equity (ROE) | 10.2231% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.2231% | 651 |
| Net charge-offs to loans | 0.2820% | 1,392 |
| Credit loss provision to net charge-offs | 163.7427% | 1,491 |
| Earnings coverage of net charge-offs (x) | 8.6608% | 2,766 |
| Efficiency ratio | 64.5269% | 4,463 |
| Assets per employee ($millions) | 3.9423% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 4,990 |
| Loan loss allowance to noncurrent loans | 169.0802% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 4,643 |
| Noncurrent loans to loans | 0.6207% | 4,063 |
| Net loans and leases to total assets | 58.2063% | 4,042 |
| Net loans and leases to deposits | 79.8400% | 2,713 |
| Net loans and leases to core deposits | 81.5532% | 3,144 |
| Total domestic deposits to total assets | 72.9038% | 6,101 |
| Equity capital to assets | 8.0141% | 6,127 |
| Core capital (leverage) ratio | 8.1564% | 5,965 |
| Tier 1 risk-based capital ratio | 14.2281% | 4,065 |
| Total risk-based capital ratio | 15.3674% | 4,067 |
| Memoranda: | ||
| Average total assets | $271,367,750 | 2,364 |
| Average earning assets | $254,926,750 | 2,320 |
| Average equity | $21,545,500 | 3,002 |
| Average total loans | $161,680,500 | 2,429 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 5,193 |
| Cost of funding earning assets | 0.3794% | 4,108 |
| Net interest margin | 3.2046% | 4,930 |
| Noninterest income to average assets | 1.0197% | 1,147 |
| Noninterest expense to average assets | 2.7186% | 3,798 |
| Loan and lease loss provision to assets | 0.2011% | 1,197 |
| Net operating income to assets | 0.7374% | 3,635 |
| Return on assets (ROA) | 0.7374% | 3,729 |
| Pretax return on assets | 1.1321% | 2,961 |
| Return on Equity (ROE) | 9.3176% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.3176% | 880 |
| Net charge-offs to loans | 0.1319% | 2,345 |
| Credit loss provision to net charge-offs | 254.7170% | 977 |
| Earnings coverage of net charge-offs (x) | 16.8868% | 1,764 |
| Efficiency ratio | 67.0956% | 4,183 |
| Assets per employee ($millions) | 3.7446% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 5,204 |
| Loan loss allowance to noncurrent loans | 212.4365% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 5,077 |
| Noncurrent loans to loans | 0.4856% | 4,544 |
| Net loans and leases to total assets | 59.5624% | 3,786 |
| Net loans and leases to deposits | 76.1933% | 3,032 |
| Net loans and leases to core deposits | 77.7727% | 3,467 |
| Total domestic deposits to total assets | 78.1728% | 5,605 |
| Equity capital to assets | 8.1392% | 6,072 |
| Core capital (leverage) ratio | 7.9700% | 6,120 |
| Tier 1 risk-based capital ratio | 14.0842% | 4,206 |
| Total risk-based capital ratio | 15.2111% | 4,223 |
| Memoranda: | ||
| Average total assets | $268,521,670 | 2,386 |
| Average earning assets | $254,068,330 | 2,322 |
| Average equity | $21,250,000 | 3,029 |
| Average total loans | $160,690,330 | 2,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 5,297 |
| Cost of funding earning assets | 0.3697% | 4,318 |
| Net interest margin | 3.1805% | 4,985 |
| Noninterest income to average assets | 0.9359% | 1,291 |
| Noninterest expense to average assets | 2.6987% | 3,937 |
| Loan and lease loss provision to assets | 0.2612% | 804 |
| Net operating income to assets | 0.6538% | 3,930 |
| Return on assets (ROA) | 0.6538% | 4,028 |
| Pretax return on assets | 0.9807% | 3,403 |
| Return on Equity (ROE) | 8.3816% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.3816% | 1,463 |
| Net charge-offs to loans | 0.2451% | 1,340 |
| Credit loss provision to net charge-offs | 178.5714% | 1,127 |
| Earnings coverage of net charge-offs (x) | 8.4898% | 2,019 |
| Efficiency ratio | 68.4848% | 4,092 |
| Assets per employee ($millions) | 3.8263% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,526 |
| Loan loss allowance to noncurrent loans | 373.4118% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 5,532 |
| Noncurrent loans to loans | 0.2677% | 5,302 |
| Net loans and leases to total assets | 57.8648% | 3,859 |
| Net loans and leases to deposits | 74.7488% | 2,983 |
| Net loans and leases to core deposits | 76.1704% | 3,392 |
| Total domestic deposits to total assets | 77.4123% | 5,913 |
| Equity capital to assets | 7.7702% | 6,197 |
| Core capital (leverage) ratio | 7.9389% | 6,153 |
| Tier 1 risk-based capital ratio | 14.0822% | 4,274 |
| Total risk-based capital ratio | 15.1802% | 4,316 |
| Memoranda: | ||
| Average total assets | $267,978,500 | 2,394 |
| Average earning assets | $253,167,000 | 2,332 |
| Average equity | $20,903,000 | 3,066 |
| Average total loans | $159,906,000 | 2,458 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,756 |
| Cost of funding earning assets | 0.4413% | 4,202 |
| Net interest margin | 3.3748% | 4,384 |
| Noninterest income to average assets | 1.1466% | 1,072 |
| Noninterest expense to average assets | 2.7939% | 3,746 |
| Loan and lease loss provision to assets | 0.1261% | 2,736 |
| Net operating income to assets | 0.8604% | 2,976 |
| Return on assets (ROA) | 0.8604% | 3,061 |
| Pretax return on assets | 1.3509% | 1,966 |
| Return on Equity (ROE) | 9.7799% | 2,202 |
| Retained earnings to average equity (ytd only) | 3.7696% | 3,523 |
| Net charge-offs to loans | 0.1974% | 2,887 |
| Credit loss provision to net charge-offs | 104.1667% | 2,328 |
| Earnings coverage of net charge-offs (x) | 12.2014% | 2,155 |
| Efficiency ratio | 65.4168% | 4,669 |
| Assets per employee ($millions) | 3.8303% | 4,200 |
| Cash dividends to net income (ytd only)* | 61.4558% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 5,804 |
| Loan loss allowance to noncurrent loans | 239.3027% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 5,368 |
| Noncurrent loans to loans | 0.3919% | 5,030 |
| Net loans and leases to total assets | 60.3562% | 3,651 |
| Net loans and leases to deposits | 78.2674% | 2,691 |
| Net loans and leases to core deposits | 79.8211% | 3,154 |
| Total domestic deposits to total assets | 77.1154% | 5,949 |
| Equity capital to assets | 7.8311% | 6,127 |
| Core capital (leverage) ratio | 8.3060% | 5,866 |
| Tier 1 risk-based capital ratio | 13.6960% | 4,523 |
| Total risk-based capital ratio | 14.7353% | 4,605 |
| Memoranda: | ||
| Average total assets | $237,914,400 | 2,639 |
| Average earning assets | $220,253,200 | 2,614 |
| Average equity | $20,930,600 | 3,054 |
| Average total loans | $145,913,400 | 2,618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 4,599 |
| Cost of funding earning assets | 0.4597% | 4,176 |
| Net interest margin | 3.4145% | 4,230 |
| Noninterest income to average assets | 1.2254% | 981 |
| Noninterest expense to average assets | 2.8589% | 3,452 |
| Loan and lease loss provision to assets | 0.1297% | 2,670 |
| Net operating income to assets | 0.8778% | 2,949 |
| Return on assets (ROA) | 0.8778% | 3,064 |
| Pretax return on assets | 1.3793% | 1,999 |
| Return on Equity (ROE) | 9.6747% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.6747% | 865 |
| Net charge-offs to loans | 0.2007% | 2,631 |
| Credit loss provision to net charge-offs | 105.1402% | 2,225 |
| Earnings coverage of net charge-offs (x) | 12.2335% | 2,158 |
| Efficiency ratio | 65.4526% | 4,586 |
| Assets per employee ($millions) | 3.3426% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,677 |
| Loan loss allowance to noncurrent loans | 300.5976% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 5,589 |
| Noncurrent loans to loans | 0.3351% | 5,384 |
| Net loans and leases to total assets | 62.4824% | 3,268 |
| Net loans and leases to deposits | 77.3989% | 2,759 |
| Net loans and leases to core deposits | 78.8589% | 3,246 |
| Total domestic deposits to total assets | 80.7278% | 5,295 |
| Equity capital to assets | 8.9944% | 5,197 |
| Core capital (leverage) ratio | 9.2530% | 4,751 |
| Tier 1 risk-based capital ratio | 15.4578% | 3,492 |
| Total risk-based capital ratio | 16.5898% | 3,497 |
| Memoranda: | ||
| Average total assets | $231,320,250 | 2,720 |
| Average earning assets | $212,890,500 | 2,708 |
| Average equity | $20,989,000 | 3,076 |
| Average total loans | $142,135,250 | 2,681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 4,654 |
| Cost of funding earning assets | 0.4736% | 4,164 |
| Net interest margin | 3.3768% | 4,276 |
| Noninterest income to average assets | 1.2576% | 981 |
| Noninterest expense to average assets | 2.8598% | 3,479 |
| Loan and lease loss provision to assets | 0.1308% | 2,684 |
| Net operating income to assets | 0.8800% | 2,906 |
| Return on assets (ROA) | 0.8800% | 3,052 |
| Pretax return on assets | 1.3824% | 1,995 |
| Return on Equity (ROE) | 9.6694% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.6694% | 923 |
| Net charge-offs to loans | 0.2522% | 2,214 |
| Credit loss provision to net charge-offs | 85.2273% | 2,538 |
| Earnings coverage of net charge-offs (x) | 9.8580% | 2,225 |
| Efficiency ratio | 65.3969% | 4,653 |
| Assets per employee ($millions) | 3.1672% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 5,734 |
| Loan loss allowance to noncurrent loans | 333.7868% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 5,674 |
| Noncurrent loans to loans | 0.3056% | 5,542 |
| Net loans and leases to total assets | 63.5271% | 3,003 |
| Net loans and leases to deposits | 77.1036% | 2,710 |
| Net loans and leases to core deposits | 78.6189% | 3,213 |
| Total domestic deposits to total assets | 82.3919% | 4,914 |
| Equity capital to assets | 9.3443% | 4,793 |
| Core capital (leverage) ratio | 9.2697% | 4,594 |
| Tier 1 risk-based capital ratio | 15.7363% | 3,339 |
| Total risk-based capital ratio | 16.8890% | 3,348 |
| Memoranda: | ||
| Average total assets | $229,318,330 | 2,752 |
| Average earning assets | $211,561,000 | 2,727 |
| Average equity | $20,870,000 | 3,103 |
| Average total loans | $139,581,670 | 2,727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 4,579 |
| Cost of funding earning assets | 0.4722% | 4,348 |
| Net interest margin | 3.3995% | 4,118 |
| Noninterest income to average assets | 1.3095% | 900 |
| Noninterest expense to average assets | 2.7140% | 4,002 |
| Loan and lease loss provision to assets | 0.1296% | 2,626 |
| Net operating income to assets | 1.0020% | 2,215 |
| Return on assets (ROA) | 1.0020% | 2,332 |
| Pretax return on assets | 1.5876% | 1,331 |
| Return on Equity (ROE) | 11.1547% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.1547% | 840 |
| Net charge-offs to loans | 0.5160% | 1,166 |
| Credit loss provision to net charge-offs | 42.3729% | 2,715 |
| Earnings coverage of net charge-offs (x) | 5.6158% | 2,347 |
| Efficiency ratio | 61.2476% | 5,414 |
| Assets per employee ($millions) | 3.3887% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 5,946 |
| Loan loss allowance to noncurrent loans | 279.2000% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 5,769 |
| Noncurrent loans to loans | 0.3624% | 5,496 |
| Net loans and leases to total assets | 59.2748% | 3,559 |
| Net loans and leases to deposits | 71.8245% | 3,203 |
| Net loans and leases to core deposits | 73.3366% | 3,662 |
| Total domestic deposits to total assets | 82.5272% | 5,019 |
| Equity capital to assets | 9.1272% | 5,340 |
| Core capital (leverage) ratio | 9.0587% | 4,789 |
| Tier 1 risk-based capital ratio | 16.0516% | 3,233 |
| Total risk-based capital ratio | 17.1923% | 3,265 |
| Memoranda: | ||
| Average total assets | $231,540,500 | 2,762 |
| Average earning assets | $212,622,000 | 2,741 |
| Average equity | $20,798,500 | 3,161 |
| Average total loans | $137,208,500 | 2,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 4,933 |
| Cost of funding earning assets | 0.5751% | 4,586 |
| Net interest margin | 3.5302% | 4,373 |
| Noninterest income to average assets | 1.3532% | 844 |
| Noninterest expense to average assets | 2.7720% | 4,137 |
| Loan and lease loss provision to assets | 0.1698% | 3,497 |
| Net operating income to assets | 1.0458% | 2,137 |
| Return on assets (ROA) | 1.0458% | 2,339 |
| Pretax return on assets | 1.6543% | 1,252 |
| Return on Equity (ROE) | 11.8997% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.8997% | 336 |
| Net charge-offs to loans | 0.1261% | 4,421 |
| Credit loss provision to net charge-offs | 224.5509% | 1,114 |
| Earnings coverage of net charge-offs (x) | 24.1257% | 1,188 |
| Efficiency ratio | 59.6139% | 5,597 |
| Assets per employee ($millions) | 3.4724% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,563 |
| Loan loss allowance to noncurrent loans | 150.7042% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 5,350 |
| Noncurrent loans to loans | 0.7286% | 4,723 |
| Net loans and leases to total assets | 57.9994% | 3,981 |
| Net loans and leases to deposits | 68.2683% | 3,941 |
| Net loans and leases to core deposits | 69.7811% | 4,344 |
| Total domestic deposits to total assets | 84.9580% | 3,884 |
| Equity capital to assets | 8.8395% | 5,698 |
| Core capital (leverage) ratio | 8.8196% | 5,148 |
| Tier 1 risk-based capital ratio | 15.8448% | 3,244 |
| Total risk-based capital ratio | 17.0846% | 3,208 |
| Memoranda: | ||
| Average total assets | $220,884,000 | 2,834 |
| Average earning assets | $202,905,800 | 2,818 |
| Average equity | $19,412,200 | 3,274 |
| Average total loans | $132,486,600 | 2,833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 4,979 |
| Cost of funding earning assets | 0.6010% | 4,637 |
| Net interest margin | 3.5510% | 4,435 |
| Noninterest income to average assets | 1.3226% | 842 |
| Noninterest expense to average assets | 2.7878% | 4,023 |
| Loan and lease loss provision to assets | 0.1835% | 3,294 |
| Net operating income to assets | 1.0241% | 2,394 |
| Return on assets (ROA) | 1.0241% | 2,616 |
| Pretax return on assets | 1.6151% | 1,523 |
| Return on Equity (ROE) | 11.6709% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.6709% | 586 |
| Net charge-offs to loans | 0.0973% | 4,411 |
| Credit loss provision to net charge-offs | 312.5000% | 856 |
| Earnings coverage of net charge-offs (x) | 30.6242% | 1,079 |
| Efficiency ratio | 59.8373% | 5,527 |
| Assets per employee ($millions) | 3.1922% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,775 |
| Loan loss allowance to noncurrent loans | 142.4214% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 5,261 |
| Noncurrent loans to loans | 0.7631% | 4,892 |
| Net loans and leases to total assets | 62.6406% | 3,269 |
| Net loans and leases to deposits | 74.0353% | 3,277 |
| Net loans and leases to core deposits | 75.8018% | 3,754 |
| Total domestic deposits to total assets | 84.6091% | 3,928 |
| Equity capital to assets | 9.2459% | 5,542 |
| Core capital (leverage) ratio | 8.9127% | 5,179 |
| Tier 1 risk-based capital ratio | 15.3986% | 3,598 |
| Total risk-based capital ratio | 16.6401% | 3,555 |
| Memoranda: | ||
| Average total assets | $217,942,750 | 2,876 |
| Average earning assets | $200,317,000 | 2,860 |
| Average equity | $19,124,000 | 3,336 |
| Average total loans | $131,500,000 | 2,889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 5,259 |
| Cost of funding earning assets | 0.6225% | 4,697 |
| Net interest margin | 3.4942% | 4,692 |
| Noninterest income to average assets | 1.2216% | 962 |
| Noninterest expense to average assets | 2.7970% | 4,030 |
| Loan and lease loss provision to assets | 0.2062% | 3,007 |
| Net operating income to assets | 0.9055% | 2,890 |
| Return on assets (ROA) | 0.9055% | 3,158 |
| Pretax return on assets | 1.4232% | 2,117 |
| Return on Equity (ROE) | 10.5058% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.5058% | 847 |
| Net charge-offs to loans | 0.0988% | 4,181 |
| Credit loss provision to net charge-offs | 351.5625% | 834 |
| Earnings coverage of net charge-offs (x) | 27.7813% | 1,124 |
| Efficiency ratio | 61.7184% | 5,296 |
| Assets per employee ($millions) | 3.3534% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,763 |
| Loan loss allowance to noncurrent loans | 126.1739% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 5,370 |
| Noncurrent loans to loans | 0.8736% | 4,746 |
| Net loans and leases to total assets | 59.7273% | 3,874 |
| Net loans and leases to deposits | 70.3414% | 3,844 |
| Net loans and leases to core deposits | 71.4953% | 4,354 |
| Total domestic deposits to total assets | 84.9106% | 3,896 |
| Equity capital to assets | 8.8222% | 5,889 |
| Core capital (leverage) ratio | 8.5778% | 5,546 |
| Tier 1 risk-based capital ratio | 15.4402% | 3,482 |
| Total risk-based capital ratio | 16.6902% | 3,445 |
| Memoranda: | ||
| Average total assets | $218,233,670 | 2,888 |
| Average earning assets | $200,161,330 | 2,866 |
| Average equity | $18,808,670 | 3,379 |
| Average total loans | $129,510,670 | 2,934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 5,462 |
| Cost of funding earning assets | 0.6329% | 4,867 |
| Net interest margin | 3.4652% | 4,843 |
| Noninterest income to average assets | 1.1247% | 1,118 |
| Noninterest expense to average assets | 2.7917% | 4,066 |
| Loan and lease loss provision to assets | 0.2748% | 2,266 |
| Net operating income to assets | 0.8005% | 3,378 |
| Return on assets (ROA) | 0.8005% | 3,611 |
| Pretax return on assets | 1.2475% | 2,736 |
| Return on Equity (ROE) | 9.3989% | 2,640 |
| Retained earnings to average equity (ytd only) | 9.3989% | 1,441 |
| Net charge-offs to loans | 0.1775% | 3,031 |
| Credit loss provision to net charge-offs | 263.1579% | 1,101 |
| Earnings coverage of net charge-offs (x) | 14.5789% | 1,461 |
| Efficiency ratio | 61.6985% | 5,329 |
| Assets per employee ($millions) | 3.3655% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,954 |
| Loan loss allowance to noncurrent loans | 122.2812% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,470 |
| Noncurrent loans to loans | 0.8861% | 4,895 |
| Net loans and leases to total assets | 58.6192% | 3,938 |
| Net loans and leases to deposits | 69.4772% | 3,806 |
| Net loans and leases to core deposits | 70.5187% | 4,341 |
| Total domestic deposits to total assets | 84.3718% | 4,335 |
| Equity capital to assets | 8.7246% | 5,845 |
| Core capital (leverage) ratio | 8.5043% | 5,579 |
| Tier 1 risk-based capital ratio | 15.2457% | 3,591 |
| Total risk-based capital ratio | 16.4650% | 3,572 |
| Memoranda: | ||
| Average total assets | $218,363,500 | 2,911 |
| Average earning assets | $200,970,000 | 2,886 |
| Average equity | $18,598,000 | 3,405 |
| Average total loans | $128,445,500 | 2,972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 5,422 |
| Cost of funding earning assets | 0.9079% | 4,063 |
| Net interest margin | 3.4929% | 5,169 |
| Noninterest income to average assets | 1.3202% | 742 |
| Noninterest expense to average assets | 2.6457% | 4,939 |
| Loan and lease loss provision to assets | 0.5395% | 1,947 |
| Net operating income to assets | 0.8335% | 2,901 |
| Return on assets (ROA) | 0.8387% | 3,041 |
| Pretax return on assets | 1.3274% | 2,027 |
| Return on Equity (ROE) | 10.6741% | 1,809 |
| Retained earnings to average equity (ytd only) | -1.5319% | 6,094 |
| Net charge-offs to loans | 0.7587% | 2,259 |
| Credit loss provision to net charge-offs | 120.0640% | 2,653 |
| Earnings coverage of net charge-offs (x) | 4.1366% | 3,249 |
| Efficiency ratio | 58.7352% | 5,943 |
| Assets per employee ($millions) | 3.4584% | 5,118 |
| Cash dividends to net income (ytd only)* | 114.3511% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,229 |
| Loan loss allowance to noncurrent loans | 291.1964% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,436 |
| Noncurrent loans to loans | 0.3428% | 6,044 |
| Net loans and leases to total assets | 57.8115% | 4,405 |
| Net loans and leases to deposits | 69.1237% | 4,255 |
| Net loans and leases to core deposits | 70.0432% | 4,773 |
| Total domestic deposits to total assets | 83.6348% | 4,482 |
| Equity capital to assets | 8.3150% | 6,334 |
| Core capital (leverage) ratio | 8.2127% | 5,972 |
| Tier 1 risk-based capital ratio | 14.4512% | 4,003 |
| Total risk-based capital ratio | 15.5595% | 4,065 |
| Memoranda: | ||
| Average total assets | $208,528,600 | 2,962 |
| Average earning assets | $190,102,000 | 2,965 |
| Average equity | $16,385,400 | 3,666 |
| Average total loans | $123,494,400 | 3,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 5,354 |
| Cost of funding earning assets | 0.9842% | 3,789 |
| Net interest margin | 3.4840% | 5,249 |
| Noninterest income to average assets | 1.3266% | 744 |
| Noninterest expense to average assets | 2.6955% | 4,746 |
| Loan and lease loss provision to assets | 0.6331% | 1,543 |
| Net operating income to assets | 0.7377% | 3,438 |
| Return on assets (ROA) | 0.7448% | 3,575 |
| Pretax return on assets | 1.1766% | 2,709 |
| Return on Equity (ROE) | 9.6299% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.6299% | 946 |
| Net charge-offs to loans | 1.0137% | 1,587 |
| Credit loss provision to net charge-offs | 105.0647% | 3,167 |
| Earnings coverage of net charge-offs (x) | 2.9849% | 3,645 |
| Efficiency ratio | 59.9769% | 5,727 |
| Assets per employee ($millions) | 3.2529% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 6,511 |
| Loan loss allowance to noncurrent loans | 592.2680% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,759 |
| Noncurrent loans to loans | 0.1572% | 6,554 |
| Net loans and leases to total assets | 60.6331% | 4,021 |
| Net loans and leases to deposits | 75.5584% | 3,396 |
| Net loans and leases to core deposits | 76.6386% | 4,107 |
| Total domestic deposits to total assets | 80.2466% | 5,658 |
| Equity capital to assets | 9.8906% | 4,492 |
| Core capital (leverage) ratio | 9.4906% | 4,163 |
| Tier 1 risk-based capital ratio | 16.3349% | 2,950 |
| Total risk-based capital ratio | 17.3626% | 3,025 |
| Memoranda: | ||
| Average total assets | $205,327,000 | 3,013 |
| Average earning assets | $186,676,750 | 3,016 |
| Average equity | $15,880,750 | 3,763 |
| Average total loans | $122,056,250 | 3,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 5,646 |
| Cost of funding earning assets | 1.0460% | 3,635 |
| Net interest margin | 3.3648% | 5,660 |
| Noninterest income to average assets | 1.2085% | 871 |
| Noninterest expense to average assets | 2.6677% | 4,945 |
| Loan and lease loss provision to assets | 0.7989% | 1,153 |
| Net operating income to assets | 0.5133% | 4,443 |
| Return on assets (ROA) | 0.5239% | 4,544 |
| Pretax return on assets | 0.8173% | 3,958 |
| Return on Equity (ROE) | 7.4491% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.4491% | 1,679 |
| Net charge-offs to loans | 1.2747% | 1,219 |
| Credit loss provision to net charge-offs | 106.4516% | 2,897 |
| Earnings coverage of net charge-offs (x) | 2.1316% | 3,777 |
| Efficiency ratio | 62.5142% | 5,499 |
| Assets per employee ($millions) | 3.2620% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 6,505 |
| Loan loss allowance to noncurrent loans | 307.2000% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 6,491 |
| Noncurrent loans to loans | 0.3097% | 6,301 |
| Net loans and leases to total assets | 59.3091% | 4,411 |
| Net loans and leases to deposits | 69.9640% | 4,445 |
| Net loans and leases to core deposits | 71.0388% | 4,946 |
| Total domestic deposits to total assets | 84.7709% | 3,985 |
| Equity capital to assets | 7.3545% | 7,011 |
| Core capital (leverage) ratio | 6.9538% | 7,013 |
| Tier 1 risk-based capital ratio | 11.8794% | 5,876 |
| Total risk-based capital ratio | 12.8806% | 6,061 |
| Memoranda: | ||
| Average total assets | $206,543,670 | 3,013 |
| Average earning assets | $187,769,670 | 3,033 |
| Average equity | $14,525,330 | 4,006 |
| Average total loans | $121,597,670 | 3,199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 5,965 |
| Cost of funding earning assets | 1.1170% | 3,403 |
| Net interest margin | 3.2001% | 6,066 |
| Noninterest income to average assets | 1.1519% | 980 |
| Noninterest expense to average assets | 2.7159% | 4,772 |
| Loan and lease loss provision to assets | 1.0925% | 667 |
| Net operating income to assets | 0.1706% | 5,886 |
| Return on assets (ROA) | 0.1706% | 5,932 |
| Pretax return on assets | 0.2703% | 5,749 |
| Return on Equity (ROE) | 2.4807% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.4807% | 4,666 |
| Net charge-offs to loans | 1.7301% | 760 |
| Credit loss provision to net charge-offs | 108.1594% | 2,468 |
| Earnings coverage of net charge-offs (x) | 1.3491% | 3,671 |
| Efficiency ratio | 66.5883% | 4,930 |
| Assets per employee ($millions) | 3.4763% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 6,584 |
| Loan loss allowance to noncurrent loans | 339.7626% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 6,512 |
| Noncurrent loans to loans | 0.2770% | 6,434 |
| Net loans and leases to total assets | 57.7811% | 4,675 |
| Net loans and leases to deposits | 68.1686% | 4,655 |
| Net loans and leases to core deposits | 69.0814% | 5,157 |
| Total domestic deposits to total assets | 84.7620% | 4,145 |
| Equity capital to assets | 6.8996% | 7,119 |
| Core capital (leverage) ratio | 6.6430% | 7,132 |
| Tier 1 risk-based capital ratio | 11.4126% | 6,170 |
| Total risk-based capital ratio | 12.3962% | 6,367 |
| Memoranda: | ||
| Average total assets | $208,693,500 | 3,007 |
| Average earning assets | $190,870,000 | 2,996 |
| Average equity | $14,351,000 | 4,036 |
| Average total loans | $121,846,000 | 3,223 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 5,668 |
| Cost of funding earning assets | 1.4376% | 3,031 |
| Net interest margin | 3.2983% | 5,985 |
| Noninterest income to average assets | 1.2904% | 881 |
| Noninterest expense to average assets | 2.7609% | 4,738 |
| Loan and lease loss provision to assets | 0.1106% | 6,050 |
| Net operating income to assets | 0.9364% | 2,250 |
| Return on assets (ROA) | 0.9364% | 2,381 |
| Pretax return on assets | 1.4205% | 1,594 |
| Return on Equity (ROE) | 12.8309% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.1402% | 942 |
| Net charge-offs to loans | 0.0355% | 6,447 |
| Credit loss provision to net charge-offs | 538.4615% | 419 |
| Earnings coverage of net charge-offs (x) | 74.5385% | 323 |
| Efficiency ratio | 64.3269% | 5,296 |
| Assets per employee ($millions) | 3.5392% | 4,852 |
| Cash dividends to net income (ytd only)* | 36.5579% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 6,713 |
| Loan loss allowance to noncurrent loans | 389.3993% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 6,807 |
| Noncurrent loans to loans | 0.2319% | 6,598 |
| Net loans and leases to total assets | 57.9125% | 5,039 |
| Net loans and leases to deposits | 68.5244% | 5,035 |
| Net loans and leases to core deposits | 70.2488% | 5,422 |
| Total domestic deposits to total assets | 84.5137% | 4,103 |
| Equity capital to assets | 6.8536% | 7,158 |
| Core capital (leverage) ratio | 6.7302% | 7,133 |
| Tier 1 risk-based capital ratio | 10.9658% | 6,351 |
| Total risk-based capital ratio | 11.8809% | 6,586 |
| Memoranda: | ||
| Average total assets | $189,868,400 | 3,232 |
| Average earning assets | $172,788,400 | 3,228 |
| Average equity | $13,857,200 | 4,171 |
| Average total loans | $109,708,200 | 3,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 5,673 |
| Cost of funding earning assets | 1.5043% | 2,952 |
| Net interest margin | 3.2917% | 6,042 |
| Noninterest income to average assets | 1.2625% | 865 |
| Noninterest expense to average assets | 2.8066% | 4,456 |
| Loan and lease loss provision to assets | 0.0972% | 6,049 |
| Net operating income to assets | 0.8693% | 2,742 |
| Return on assets (ROA) | 0.8693% | 2,876 |
| Pretax return on assets | 1.3467% | 2,042 |
| Return on Equity (ROE) | 11.7092% | 1,587 |
| Retained earnings to average equity (ytd only) | 5.4035% | 2,706 |
| Net charge-offs to loans | 0.0075% | 6,561 |
| Credit loss provision to net charge-offs | 2,250.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 334.1588% | 95 |
| Efficiency ratio | 66.0285% | 4,850 |
| Assets per employee ($millions) | 3.1880% | 5,701 |
| Cash dividends to net income (ytd only)* | 53.8529% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 6,739 |
| Loan loss allowance to noncurrent loans | 297.7528% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 6,817 |
| Noncurrent loans to loans | 0.3025% | 6,583 |
| Net loans and leases to total assets | 62.0091% | 4,529 |
| Net loans and leases to deposits | 74.2550% | 4,462 |
| Net loans and leases to core deposits | 77.3603% | 4,879 |
| Total domestic deposits to total assets | 83.5084% | 4,368 |
| Equity capital to assets | 7.4119% | 7,176 |
| Core capital (leverage) ratio | 6.8409% | 7,237 |
| Tier 1 risk-based capital ratio | 11.1864% | 6,207 |
| Total risk-based capital ratio | 12.1244% | 6,463 |
| Memoranda: | ||
| Average total assets | $185,133,000 | 3,344 |
| Average earning assets | $168,052,500 | 3,361 |
| Average equity | $13,743,750 | 4,261 |
| Average total loans | $106,628,000 | 3,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 5,991 |
| Cost of funding earning assets | 1.5535% | 2,943 |
| Net interest margin | 3.1922% | 6,341 |
| Noninterest income to average assets | 1.2023% | 894 |
| Noninterest expense to average assets | 2.7902% | 4,528 |
| Loan and lease loss provision to assets | 0.0977% | 5,933 |
| Net operating income to assets | 0.7863% | 3,037 |
| Return on assets (ROA) | 0.7863% | 3,183 |
| Pretax return on assets | 1.2066% | 2,389 |
| Return on Equity (ROE) | 10.5863% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.5863% | 729 |
| Net charge-offs to loans | -0.0447% | 7,433 |
| Credit loss provision to net charge-offs | -391.3043% | 6,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1432% | 4,558 |
| Assets per employee ($millions) | 3.1918% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,586 |
| Loan loss allowance to noncurrent loans | 497.1429% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 7,077 |
| Noncurrent loans to loans | 0.1918% | 6,870 |
| Net loans and leases to total assets | 57.5979% | 5,476 |
| Net loans and leases to deposits | 71.5475% | 5,065 |
| Net loans and leases to core deposits | 74.9049% | 5,335 |
| Total domestic deposits to total assets | 80.5030% | 5,559 |
| Equity capital to assets | 7.5357% | 7,086 |
| Core capital (leverage) ratio | 7.0750% | 7,148 |
| Tier 1 risk-based capital ratio | 11.8848% | 5,415 |
| Total risk-based capital ratio | 12.8538% | 5,632 |
| Memoranda: | ||
| Average total assets | $184,147,330 | 3,384 |
| Average earning assets | $166,846,000 | 3,392 |
| Average equity | $13,678,000 | 4,275 |
| Average total loans | $102,939,670 | 3,806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 6,222 |
| Cost of funding earning assets | 1.6221% | 2,819 |
| Net interest margin | 3.0837% | 6,640 |
| Noninterest income to average assets | 1.0436% | 1,175 |
| Noninterest expense to average assets | 2.8715% | 4,182 |
| Loan and lease loss provision to assets | 0.0989% | 5,647 |
| Net operating income to assets | 0.5734% | 4,018 |
| Return on assets (ROA) | 0.5734% | 4,161 |
| Pretax return on assets | 0.8590% | 3,628 |
| Return on Equity (ROE) | 7.7786% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.7786% | 1,802 |
| Net charge-offs to loans | 0.0120% | 5,416 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 145.3333% | 226 |
| Efficiency ratio | 74.9857% | 3,410 |
| Assets per employee ($millions) | 3.0950% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 6,634 |
| Loan loss allowance to noncurrent loans | 720.7407% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,227 |
| Noncurrent loans to loans | 0.1335% | 7,071 |
| Net loans and leases to total assets | 54.8460% | 5,913 |
| Net loans and leases to deposits | 66.9297% | 5,719 |
| Net loans and leases to core deposits | 69.9662% | 5,921 |
| Total domestic deposits to total assets | 81.9456% | 5,092 |
| Equity capital to assets | 7.4204% | 7,124 |
| Core capital (leverage) ratio | 7.1731% | 7,129 |
| Tier 1 risk-based capital ratio | 12.2729% | 4,922 |
| Total risk-based capital ratio | 13.2405% | 5,167 |
| Memoranda: | ||
| Average total assets | $182,063,000 | 3,471 |
| Average earning assets | $164,478,000 | 3,488 |
| Average equity | $13,421,500 | 4,372 |
| Average total loans | $99,654,500 | 3,969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 6,281 |
| Cost of funding earning assets | 2.1766% | 2,135 |
| Net interest margin | 2.8707% | 6,912 |
| Noninterest income to average assets | 1.2554% | 958 |
| Noninterest expense to average assets | 3.1858% | 3,425 |
| Loan and lease loss provision to assets | 0.1824% | 5,877 |
| Net operating income to assets | 0.3243% | 4,433 |
| Return on assets (ROA) | 0.3649% | 4,370 |
| Pretax return on assets | 0.5615% | 4,016 |
| Return on Equity (ROE) | 4.8543% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.8543% | 1,899 |
| Net charge-offs to loans | 0.1483% | 5,758 |
| Credit loss provision to net charge-offs | 227.9412% | 1,629 |
| Earnings coverage of net charge-offs (x) | 8.5147% | 1,931 |
| Efficiency ratio | 82.3771% | 2,559 |
| Assets per employee ($millions) | 3.0766% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,644 |
| Loan loss allowance to noncurrent loans | 716.1538% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 7,317 |
| Noncurrent loans to loans | 0.1324% | 7,103 |
| Net loans and leases to total assets | 53.5770% | 6,236 |
| Net loans and leases to deposits | 66.3950% | 6,009 |
| Net loans and leases to core deposits | 77.7547% | 6,278 |
| Total domestic deposits to total assets | 80.6944% | 5,441 |
| Equity capital to assets | 7.3231% | 7,178 |
| Core capital (leverage) ratio | 6.9713% | 7,264 |
| Tier 1 risk-based capital ratio | 12.3419% | 4,643 |
| Total risk-based capital ratio | 13.2932% | 4,869 |
| Memoranda: | ||
| Average total assets | $169,909,800 | 3,616 |
| Average earning assets | $154,598,000 | 3,623 |
| Average equity | $12,772,200 | 4,564 |
| Average total loans | $91,699,000 | 4,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 6,196 |
| Cost of funding earning assets | 2.2829% | 2,053 |
| Net interest margin | 2.8390% | 6,992 |
| Noninterest income to average assets | 1.2438% | 998 |
| Noninterest expense to average assets | 3.2533% | 3,112 |
| Loan and lease loss provision to assets | 0.1677% | 5,681 |
| Net operating income to assets | 0.2779% | 4,870 |
| Return on assets (ROA) | 0.3337% | 4,761 |
| Pretax return on assets | 0.5038% | 4,509 |
| Return on Equity (ROE) | 4.4085% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.4085% | 2,805 |
| Net charge-offs to loans | 0.1095% | 5,583 |
| Credit loss provision to net charge-offs | 283.7838% | 1,476 |
| Earnings coverage of net charge-offs (x) | 9.9329% | 2,036 |
| Efficiency ratio | 84.7193% | 2,220 |
| Assets per employee ($millions) | 2.9408% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 6,598 |
| Loan loss allowance to noncurrent loans | 405.9091% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 7,193 |
| Noncurrent loans to loans | 0.2314% | 6,920 |
| Net loans and leases to total assets | 53.3738% | 6,456 |
| Net loans and leases to deposits | 63.0295% | 6,586 |
| Net loans and leases to core deposits | 76.3589% | 6,587 |
| Total domestic deposits to total assets | 84.6806% | 3,386 |
| Equity capital to assets | 7.3817% | 7,382 |
| Core capital (leverage) ratio | 6.9484% | 7,463 |
| Tier 1 risk-based capital ratio | 12.4190% | 4,609 |
| Total risk-based capital ratio | 13.3529% | 4,823 |
| Memoranda: | ||
| Average total assets | $167,006,750 | 3,679 |
| Average earning assets | $152,727,750 | 3,676 |
| Average equity | $12,642,000 | 4,622 |
| Average total loans | $90,077,500 | 4,243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2044% | 6,063 |
| Cost of funding earning assets | 2.3776% | 2,052 |
| Net interest margin | 2.8267% | 6,963 |
| Noninterest income to average assets | 1.2804% | 929 |
| Noninterest expense to average assets | 3.2406% | 3,189 |
| Loan and lease loss provision to assets | 0.0915% | 6,254 |
| Net operating income to assets | 0.3812% | 4,581 |
| Return on assets (ROA) | 0.4699% | 4,330 |
| Pretax return on assets | 0.6530% | 4,155 |
| Return on Equity (ROE) | 6.1529% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.1529% | 1,947 |
| Net charge-offs to loans | 0.0158% | 6,306 |
| Credit loss provision to net charge-offs | 1,071.4286% | 458 |
| Earnings coverage of net charge-offs (x) | 72.7143% | 522 |
| Efficiency ratio | 83.9128% | 2,483 |
| Assets per employee ($millions) | 3.0661% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 6,787 |
| Loan loss allowance to noncurrent loans | 381.9444% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 7,193 |
| Noncurrent loans to loans | 0.2347% | 6,927 |
| Net loans and leases to total assets | 52.1935% | 6,665 |
| Net loans and leases to deposits | 63.1410% | 6,641 |
| Net loans and leases to core deposits | 77.9877% | 6,548 |
| Total domestic deposits to total assets | 82.6619% | 4,394 |
| Equity capital to assets | 7.1816% | 7,495 |
| Core capital (leverage) ratio | 7.0113% | 7,529 |
| Tier 1 risk-based capital ratio | 12.6446% | 4,399 |
| Total risk-based capital ratio | 13.5253% | 4,612 |
| Memoranda: | ||
| Average total assets | $163,859,000 | 3,744 |
| Average earning assets | $149,643,670 | 3,753 |
| Average equity | $12,514,330 | 4,675 |
| Average total loans | $88,413,000 | 4,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 5,403 |
| Cost of funding earning assets | 2.3655% | 2,438 |
| Net interest margin | 3.0386% | 6,377 |
| Noninterest income to average assets | 1.2171% | 975 |
| Noninterest expense to average assets | 3.2524% | 2,787 |
| Loan and lease loss provision to assets | 0.0758% | 6,010 |
| Net operating income to assets | 0.4747% | 4,542 |
| Return on assets (ROA) | 0.4747% | 4,733 |
| Pretax return on assets | 0.6363% | 4,634 |
| Return on Equity (ROE) | 6.0179% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.0179% | 2,618 |
| Net charge-offs to loans | 0.0323% | 5,064 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 842 |
| Efficiency ratio | 82.0382% | 2,529 |
| Assets per employee ($millions) | 2.8829% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,793 |
| Loan loss allowance to noncurrent loans | 331.9149% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 7,038 |
| Noncurrent loans to loans | 0.2685% | 6,766 |
| Net loans and leases to total assets | 52.7953% | 6,607 |
| Net loans and leases to deposits | 61.7848% | 6,753 |
| Net loans and leases to core deposits | 76.2431% | 6,660 |
| Total domestic deposits to total assets | 85.4504% | 2,991 |
| Equity capital to assets | 7.7060% | 7,171 |
| Core capital (leverage) ratio | 7.5220% | 7,131 |
| Tier 1 risk-based capital ratio | 13.2724% | 4,008 |
| Total risk-based capital ratio | 14.1679% | 4,163 |
| Memoranda: | ||
| Average total assets | $158,406,000 | 3,857 |
| Average earning assets | $143,225,000 | 3,892 |
| Average equity | $12,496,000 | 4,710 |
| Average total loans | $86,599,000 | 4,406 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9059% | 6,010 |
| Cost of funding earning assets | 2.4128% | 4,666 |
| Net interest margin | 3.4931% | 5,322 |
| Noninterest income to average assets | 1.1614% | 1,150 |
| Noninterest expense to average assets | 3.0254% | 3,984 |
| Loan and lease loss provision to assets | 0.2189% | 4,698 |
| Net operating income to assets | 0.7257% | 3,776 |
| Return on assets (ROA) | 0.7271% | 3,604 |
| Pretax return on assets | 1.0989% | 3,027 |
| Return on Equity (ROE) | 8.5508% | 2,816 |
| Retained earnings to average equity (ytd only) | 3.4862% | 2,969 |
| Net charge-offs to loans | 0.3856% | 2,895 |
| Credit loss provision to net charge-offs | 99.0260% | 5,415 |
| Earnings coverage of net charge-offs (x) | 5.9513% | 3,482 |
| Efficiency ratio | 69.6925% | 4,402 |
| Assets per employee ($millions) | 2.8771% | 6,378 |
| Cash dividends to net income (ytd only)* | 59.2300% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 6,759 |
| Loan loss allowance to noncurrent loans | 675.8929% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 7,046 |
| Noncurrent loans to loans | 0.1307% | 7,025 |
| Net loans and leases to total assets | 55.6802% | 6,467 |
| Net loans and leases to deposits | 69.6505% | 6,312 |
| Net loans and leases to core deposits | 80.3931% | 6,585 |
| Total domestic deposits to total assets | 79.9423% | 5,042 |
| Equity capital to assets | 8.0854% | 6,727 |
| Core capital (leverage) ratio | 8.0814% | 6,354 |
| Tier 1 risk-based capital ratio | 13.5541% | 3,787 |
| Total risk-based capital ratio | 14.4590% | 3,903 |
| Memoranda: | ||
| Average total assets | $139,320,200 | 4,095 |
| Average earning assets | $126,822,200 | 4,112 |
| Average equity | $11,846,800 | 4,873 |
| Average total loans | $79,868,800 | 4,514 |