Home > First Texas Bank > Performance and Condition Ratios
First Texas 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 | 3.6760% | 4,291 |
| Cost of funding earning assets | 0.3651% | 4,323 |
| Net interest margin | 3.3110% | 2,609 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.8476% | 3,922 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.3462% | 1,331 |
| Return on assets (ROA) | 1.3397% | 1,319 |
| Pretax return on assets | 1.6843% | 1,093 |
| Return on Equity (ROE) | 13.5900% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.2932% | 2,137 |
| Net charge-offs to loans | 0.0161% | 2,057 |
| Credit loss provision to net charge-offs | -196.5517% | 4,502 |
| Earnings coverage of net charge-offs (x) | 241.4138% | 514 |
| Efficiency ratio | 52.3936% | 3,797 |
| Assets per employee ($millions) | 8.0574% | 1,404 |
| Cash dividends to net income (ytd only)* | 53.6961% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4650% | 4,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.4600% | 3,879 |
| Net loans and leases to deposits | 50.2850% | 3,940 |
| Net loans and leases to core deposits | 51.9997% | 4,032 |
| Total domestic deposits to total assets | 88.4100% | 1,228 |
| Equity capital to assets | 10.7314% | 1,613 |
| Core capital (leverage) ratio | 10.6993% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3206% | 662 |
| Memoranda: | ||
| Average total assets | $417,026,800 | 1,964 |
| Average earning assets | $397,739,400 | 1,915 |
| Average equity | $41,107,800 | 1,845 |
| Average total loans | $180,036,400 | 2,445 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,280 |
| Cost of funding earning assets | 0.3284% | 4,334 |
| Net interest margin | 3.3035% | 2,679 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.8060% | 3,964 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.3789% | 1,366 |
| Return on assets (ROA) | 1.3703% | 1,365 |
| Pretax return on assets | 1.7230% | 1,129 |
| Return on Equity (ROE) | 14.2000% | 1,606 |
| Retained earnings to average equity (ytd only) | 7.4522% | 2,160 |
| Net charge-offs to loans | 0.0059% | 2,234 |
| Credit loss provision to net charge-offs | -812.5000% | 4,592 |
| Earnings coverage of net charge-offs (x) | 678.7500% | 236 |
| Efficiency ratio | 51.3179% | 3,808 |
| Assets per employee ($millions) | 8.5863% | 1,088 |
| Cash dividends to net income (ytd only)* | 47.5017% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4607% | 4,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 43.6700% | 3,928 |
| Net loans and leases to deposits | 49.7955% | 3,943 |
| Net loans and leases to core deposits | 51.1809% | 4,005 |
| Total domestic deposits to total assets | 87.7000% | 1,666 |
| Equity capital to assets | 10.1610% | 1,728 |
| Core capital (leverage) ratio | 10.2478% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4671% | 763 |
| Memoranda: | ||
| Average total assets | $422,579,750 | 1,946 |
| Average earning assets | $403,120,750 | 1,901 |
| Average equity | $40,792,500 | 1,839 |
| Average total loans | $180,958,250 | 2,440 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 4,310 |
| Cost of funding earning assets | 0.2498% | 4,380 |
| Net interest margin | 3.2917% | 2,769 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.7969% | 4,005 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.3652% | 1,412 |
| Return on assets (ROA) | 1.3524% | 1,431 |
| Pretax return on assets | 1.7007% | 1,210 |
| Return on Equity (ROE) | 14.2500% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.4498% | 2,148 |
| Net charge-offs to loans | 0.0088% | 1,873 |
| Credit loss provision to net charge-offs | -187.5000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 455.2500% | 328 |
| Efficiency ratio | 51.2450% | 3,836 |
| Assets per employee ($millions) | 8.6066% | 1,044 |
| Cash dividends to net income (ytd only)* | 47.7265% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 4,405 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.1800% | 3,835 |
| Net loans and leases to deposits | 52.8146% | 3,804 |
| Net loans and leases to core deposits | 53.5467% | 3,910 |
| Total domestic deposits to total assets | 85.5400% | 2,381 |
| Equity capital to assets | 9.9522% | 1,884 |
| Core capital (leverage) ratio | 9.9474% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8851% | 830 |
| Memoranda: | ||
| Average total assets | $426,058,667 | 1,930 |
| Average earning assets | $406,661,000 | 1,891 |
| Average equity | $40,430,667 | 1,861 |
| Average total loans | $181,007,333 | 2,428 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 4,363 |
| Cost of funding earning assets | 0.1510% | 4,455 |
| Net interest margin | 3.2608% | 2,968 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.7636% | 4,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3548% | 1,530 |
| Return on assets (ROA) | 1.3548% | 1,499 |
| Pretax return on assets | 1.7044% | 1,266 |
| Return on Equity (ROE) | 14.6200% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.7528% | 2,302 |
| Net charge-offs to loans | 0.0045% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 921.5000% | 115 |
| Efficiency ratio | 50.8533% | 3,864 |
| Assets per employee ($millions) | 8.7552% | 1,030 |
| Cash dividends to net income (ytd only)* | 46.9625% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5037% | 4,433 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.6300% | 3,969 |
| Net loans and leases to deposits | 46.3901% | 4,026 |
| Net loans and leases to core deposits | 46.9818% | 4,079 |
| Total domestic deposits to total assets | 89.7300% | 1,256 |
| Equity capital to assets | 9.4329% | 2,196 |
| Core capital (leverage) ratio | 9.5195% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7754% | 871 |
| Memoranda: | ||
| Average total assets | $432,530,500 | 1,934 |
| Average earning assets | $413,269,000 | 1,888 |
| Average equity | $40,089,000 | 1,897 |
| Average total loans | $177,747,500 | 2,484 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9351% | 4,204 |
| Cost of funding earning assets | 0.0529% | 4,571 |
| Net interest margin | 2.8821% | 3,721 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.6621% | 4,229 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1651% | 1,912 |
| Return on assets (ROA) | 1.1651% | 1,846 |
| Pretax return on assets | 1.4638% | 1,561 |
| Return on Equity (ROE) | 13.1900% | 1,746 |
| Retained earnings to average equity (ytd only) | 8.6572% | 1,580 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.3936% | 3,844 |
| Assets per employee ($millions) | 8.8991% | 950 |
| Cash dividends to net income (ytd only)* | 34.3811% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4023% | 4,498 |
| Loan loss allowance to noncurrent loans | 3,726.3158% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,887 |
| Noncurrent loans to loans | 0.0108% | 3,762 |
| Net loans and leases to total assets | 40.2000% | 4,061 |
| Net loans and leases to deposits | 44.5944% | 4,095 |
| Net loans and leases to core deposits | 45.0335% | 4,148 |
| Total domestic deposits to total assets | 90.1500% | 1,294 |
| Equity capital to assets | 9.1067% | 2,291 |
| Core capital (leverage) ratio | 9.2137% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2342% | 949 |
| Memoranda: | ||
| Average total assets | $436,865,600 | 1,898 |
| Average earning assets | $415,593,800 | 1,859 |
| Average equity | $38,580,400 | 1,972 |
| Average total loans | $173,718,600 | 2,420 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8232% | 4,161 |
| Cost of funding earning assets | 0.0360% | 4,627 |
| Net interest margin | 2.7872% | 3,764 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.6409% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1000% | 2,098 |
| Return on assets (ROA) | 1.1000% | 2,063 |
| Pretax return on assets | 1.3813% | 1,774 |
| Return on Equity (ROE) | 12.5500% | 1,857 |
| Retained earnings to average equity (ytd only) | 9.9428% | 1,356 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.2402% | 3,803 |
| Assets per employee ($millions) | 9.3175% | 802 |
| Cash dividends to net income (ytd only)* | 20.7987% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 4,520 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 37.8500% | 4,155 |
| Net loans and leases to deposits | 41.7565% | 4,184 |
| Net loans and leases to core deposits | 42.1468% | 4,221 |
| Total domestic deposits to total assets | 90.6400% | 1,392 |
| Equity capital to assets | 8.6029% | 2,478 |
| Core capital (leverage) ratio | 9.0880% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5142% | 921 |
| Memoranda: | ||
| Average total assets | $437,068,500 | 1,908 |
| Average earning assets | $415,358,250 | 1,877 |
| Average equity | $38,298,000 | 2,012 |
| Average total loans | $173,146,750 | 2,433 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7813% | 4,009 |
| Cost of funding earning assets | 0.0294% | 4,693 |
| Net interest margin | 2.7519% | 3,571 |
| Noninterest income to average assets | 0.3916% | 2,808 |
| Noninterest expense to average assets | 1.6550% | 4,205 |
| Loan and lease loss provision to assets | -0.0223% | 4,439 |
| Net operating income to assets | 1.0897% | 1,813 |
| Return on assets (ROA) | 1.0897% | 1,796 |
| Pretax return on assets | 1.3679% | 1,525 |
| Return on Equity (ROE) | 12.3566% | 1,563 |
| Retained earnings to average equity (ytd only) | 12.3566% | 552 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1548% | 3,857 |
| Assets per employee ($millions) | 8.9138% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4243% | 4,604 |
| Loan loss allowance to noncurrent loans | 1,748.7805% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,935 |
| Noncurrent loans to loans | 0.0243% | 3,779 |
| Net loans and leases to total assets | 39.3296% | 4,109 |
| Net loans and leases to deposits | 43.6309% | 4,124 |
| Net loans and leases to core deposits | 44.1660% | 4,184 |
| Total domestic deposits to total assets | 90.1415% | 1,654 |
| Equity capital to assets | 9.0882% | 2,330 |
| Core capital (leverage) ratio | 9.1634% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,572,333 | 1,936 |
| Average earning assets | $408,227,667 | 1,916 |
| Average equity | $37,971,667 | 2,081 |
| Average total loans | $173,005,667 | 2,443 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7388% | 3,866 |
| Cost of funding earning assets | 0.0294% | 4,708 |
| Net interest margin | 2.7094% | 3,378 |
| Noninterest income to average assets | 0.4093% | 2,627 |
| Noninterest expense to average assets | 1.6475% | 4,215 |
| Loan and lease loss provision to assets | 0.0148% | 2,086 |
| Net operating income to assets | 1.0409% | 1,722 |
| Return on assets (ROA) | 1.0409% | 1,721 |
| Pretax return on assets | 1.3067% | 1,486 |
| Return on Equity (ROE) | 11.9845% | 1,316 |
| Retained earnings to average equity (ytd only) | 11.9845% | 606 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4897% | 3,924 |
| Assets per employee ($millions) | 9.2122% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 4,625 |
| Loan loss allowance to noncurrent loans | 570.0730% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,724 |
| Noncurrent loans to loans | 0.0775% | 3,454 |
| Net loans and leases to total assets | 39.7895% | 4,030 |
| Net loans and leases to deposits | 43.8853% | 4,069 |
| Net loans and leases to core deposits | 44.3357% | 4,144 |
| Total domestic deposits to total assets | 90.6671% | 1,202 |
| Equity capital to assets | 8.5810% | 3,097 |
| Core capital (leverage) ratio | 8.8282% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,926,500 | 1,943 |
| Average earning assets | $408,058,000 | 1,924 |
| Average equity | $37,515,000 | 2,153 |
| Average total loans | $175,011,500 | 2,418 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 4,108 |
| Cost of funding earning assets | 0.0407% | 4,725 |
| Net interest margin | 2.8262% | 3,607 |
| Noninterest income to average assets | 0.4963% | 2,588 |
| Noninterest expense to average assets | 1.7964% | 4,153 |
| Loan and lease loss provision to assets | 0.0208% | 2,651 |
| Net operating income to assets | 1.0956% | 2,310 |
| Return on assets (ROA) | 1.0976% | 2,366 |
| Pretax return on assets | 1.3589% | 2,174 |
| Return on Equity (ROE) | 12.4845% | 1,657 |
| Retained earnings to average equity (ytd only) | 8.6911% | 1,283 |
| Net charge-offs to loans | 0.0025% | 2,535 |
| Credit loss provision to net charge-offs | 2,100.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 1,393.7500% | 105 |
| Efficiency ratio | 56.6047% | 3,629 |
| Assets per employee ($millions) | 8.4333% | 1,111 |
| Cash dividends to net income (ytd only)* | 30.3849% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4414% | 4,668 |
| Loan loss allowance to noncurrent loans | 163.8116% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 3,155 |
| Noncurrent loans to loans | 0.2695% | 2,636 |
| Net loans and leases to total assets | 40.9170% | 4,037 |
| Net loans and leases to deposits | 45.2192% | 4,132 |
| Net loans and leases to core deposits | 45.6629% | 4,199 |
| Total domestic deposits to total assets | 90.4858% | 726 |
| Equity capital to assets | 8.7951% | 3,812 |
| Core capital (leverage) ratio | 8.8620% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,806,200 | 1,970 |
| Average earning assets | $383,478,600 | 1,957 |
| Average equity | $35,588,200 | 2,262 |
| Average total loans | $159,926,200 | 2,543 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8687% | 4,214 |
| Cost of funding earning assets | 0.0430% | 4,805 |
| Net interest margin | 2.8256% | 3,719 |
| Noninterest income to average assets | 0.5255% | 2,516 |
| Noninterest expense to average assets | 1.8236% | 4,118 |
| Loan and lease loss provision to assets | 0.0342% | 2,316 |
| Net operating income to assets | 1.0997% | 2,558 |
| Return on assets (ROA) | 1.0997% | 2,614 |
| Pretax return on assets | 1.3553% | 2,478 |
| Return on Equity (ROE) | 12.5100% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.5878% | 2,185 |
| Net charge-offs to loans | -0.0102% | 3,675 |
| Credit loss provision to net charge-offs | -858.3333% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7537% | 3,446 |
| Assets per employee ($millions) | 8.4724% | 1,063 |
| Cash dividends to net income (ytd only)* | 39.3462% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 4,716 |
| Loan loss allowance to noncurrent loans | 1,860.4651% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,168 |
| Noncurrent loans to loans | 0.0263% | 4,008 |
| Net loans and leases to total assets | 37.7004% | 4,312 |
| Net loans and leases to deposits | 41.4977% | 4,395 |
| Net loans and leases to core deposits | 41.8662% | 4,452 |
| Total domestic deposits to total assets | 90.8494% | 418 |
| Equity capital to assets | 8.3832% | 4,285 |
| Core capital (leverage) ratio | 8.5844% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,591,250 | 2,003 |
| Average earning assets | $381,024,500 | 1,983 |
| Average equity | $35,213,750 | 2,309 |
| Average total loans | $156,583,250 | 2,617 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9044% | 4,217 |
| Cost of funding earning assets | 0.0491% | 4,825 |
| Net interest margin | 2.8553% | 3,667 |
| Noninterest income to average assets | 0.5732% | 2,322 |
| Noninterest expense to average assets | 1.8749% | 4,025 |
| Loan and lease loss provision to assets | 0.0159% | 2,633 |
| Net operating income to assets | 1.1408% | 2,402 |
| Return on assets (ROA) | 1.1408% | 2,461 |
| Pretax return on assets | 1.3935% | 2,361 |
| Return on Equity (ROE) | 12.7590% | 1,805 |
| Retained earnings to average equity (ytd only) | 5.5910% | 2,963 |
| Net charge-offs to loans | -0.0156% | 3,876 |
| Credit loss provision to net charge-offs | -258.3333% | 3,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0871% | 3,396 |
| Assets per employee ($millions) | 7.5547% | 1,444 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4678% | 4,761 |
| Loan loss allowance to noncurrent loans | 1,654.5455% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,226 |
| Noncurrent loans to loans | 0.0283% | 4,070 |
| Net loans and leases to total assets | 37.9690% | 4,384 |
| Net loans and leases to deposits | 41.9103% | 4,462 |
| Net loans and leases to core deposits | 42.2309% | 4,512 |
| Total domestic deposits to total assets | 90.5960% | 519 |
| Equity capital to assets | 8.6355% | 4,098 |
| Core capital (leverage) ratio | 8.7557% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,091,333 | 2,038 |
| Average earning assets | $370,402,333 | 2,016 |
| Average equity | $34,877,333 | 2,319 |
| Average total loans | $154,211,000 | 2,646 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9878% | 4,114 |
| Cost of funding earning assets | 0.0575% | 4,833 |
| Net interest margin | 2.9303% | 3,438 |
| Noninterest income to average assets | 0.7325% | 1,767 |
| Noninterest expense to average assets | 1.9089% | 3,969 |
| Loan and lease loss provision to assets | 0.0136% | 2,606 |
| Net operating income to assets | 1.3265% | 1,742 |
| Return on assets (ROA) | 1.3265% | 1,829 |
| Pretax return on assets | 1.5888% | 1,761 |
| Return on Equity (ROE) | 14.5700% | 1,307 |
| Retained earnings to average equity (ytd only) | 7.3657% | 2,460 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3634% | 3,742 |
| Assets per employee ($millions) | 7.3555% | 1,555 |
| Cash dividends to net income (ytd only)* | 49.4462% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 4,802 |
| Loan loss allowance to noncurrent loans | 1,041.7910% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,259 |
| Noncurrent loans to loans | 0.0433% | 4,075 |
| Net loans and leases to total assets | 38.1071% | 4,416 |
| Net loans and leases to deposits | 42.0698% | 4,496 |
| Net loans and leases to core deposits | 42.4291% | 4,553 |
| Total domestic deposits to total assets | 90.5807% | 554 |
| Equity capital to assets | 8.6330% | 4,019 |
| Core capital (leverage) ratio | 9.1199% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,159,000 | 2,060 |
| Average earning assets | $361,468,500 | 2,040 |
| Average equity | $34,701,500 | 2,319 |
| Average total loans | $153,504,000 | 2,656 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 4,384 |
| Cost of funding earning assets | 0.0825% | 4,908 |
| Net interest margin | 3.1740% | 3,424 |
| Noninterest income to average assets | 0.4773% | 2,742 |
| Noninterest expense to average assets | 2.2534% | 3,534 |
| Loan and lease loss provision to assets | 0.1338% | 2,687 |
| Net operating income to assets | 0.8630% | 2,851 |
| Return on assets (ROA) | 0.8630% | 2,989 |
| Pretax return on assets | 1.0757% | 2,790 |
| Return on Equity (ROE) | 8.5138% | 2,595 |
| Retained earnings to average equity (ytd only) | 1.7661% | 3,918 |
| Net charge-offs to loans | 0.0115% | 2,914 |
| Credit loss provision to net charge-offs | 2,806.2500% | 349 |
| Earnings coverage of net charge-offs (x) | 254.1875% | 399 |
| Efficiency ratio | 65.0721% | 2,669 |
| Assets per employee ($millions) | 6.0638% | 2,287 |
| Cash dividends to net income (ytd only)* | 79.2557% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 4,822 |
| Loan loss allowance to noncurrent loans | 978.5714% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,298 |
| Noncurrent loans to loans | 0.0460% | 4,113 |
| Net loans and leases to total assets | 42.3355% | 4,333 |
| Net loans and leases to deposits | 47.2592% | 4,421 |
| Net loans and leases to core deposits | 47.7206% | 4,492 |
| Total domestic deposits to total assets | 89.5815% | 736 |
| Equity capital to assets | 9.6370% | 3,469 |
| Core capital (leverage) ratio | 9.4383% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,249,400 | 2,110 |
| Average earning assets | $316,292,400 | 2,093 |
| Average equity | $34,085,800 | 2,287 |
| Average total loans | $138,973,400 | 2,760 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3078% | 4,461 |
| Cost of funding earning assets | 0.0853% | 4,952 |
| Net interest margin | 3.2224% | 3,420 |
| Noninterest income to average assets | 0.4783% | 2,703 |
| Noninterest expense to average assets | 2.3175% | 3,375 |
| Loan and lease loss provision to assets | 0.1813% | 2,167 |
| Net operating income to assets | 0.8088% | 3,056 |
| Return on assets (ROA) | 0.8088% | 3,179 |
| Pretax return on assets | 1.0074% | 3,045 |
| Return on Equity (ROE) | 7.8732% | 2,852 |
| Retained earnings to average equity (ytd only) | 0.8120% | 4,309 |
| Net charge-offs to loans | 0.0010% | 3,202 |
| Credit loss provision to net charge-offs | 44,900.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 2,950.0000% | 29 |
| Efficiency ratio | 66.0959% | 2,457 |
| Assets per employee ($millions) | 6.2999% | 1,999 |
| Cash dividends to net income (ytd only)* | 89.6861% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4702% | 4,840 |
| Loan loss allowance to noncurrent loans | 804.5977% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,349 |
| Noncurrent loans to loans | 0.0584% | 4,140 |
| Net loans and leases to total assets | 39.8600% | 4,570 |
| Net loans and leases to deposits | 44.3476% | 4,646 |
| Net loans and leases to core deposits | 44.6680% | 4,694 |
| Total domestic deposits to total assets | 89.8809% | 466 |
| Equity capital to assets | 9.2517% | 3,906 |
| Core capital (leverage) ratio | 9.6420% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,870,250 | 2,114 |
| Average earning assets | $310,896,000 | 2,098 |
| Average equity | $33,987,750 | 2,278 |
| Average total loans | $135,680,000 | 2,803 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 4,459 |
| Cost of funding earning assets | 0.0915% | 4,987 |
| Net interest margin | 3.3737% | 3,173 |
| Noninterest income to average assets | 0.4873% | 2,622 |
| Noninterest expense to average assets | 2.4711% | 3,044 |
| Loan and lease loss provision to assets | 0.2837% | 1,515 |
| Net operating income to assets | 0.7193% | 3,321 |
| Return on assets (ROA) | 0.7193% | 3,430 |
| Pretax return on assets | 0.8933% | 3,330 |
| Return on Equity (ROE) | 6.7406% | 3,232 |
| Retained earnings to average equity (ytd only) | -0.3486% | 4,373 |
| Net charge-offs to loans | 0.0015% | 2,969 |
| Credit loss provision to net charge-offs | 45,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,867.0000% | 40 |
| Efficiency ratio | 67.7380% | 2,274 |
| Assets per employee ($millions) | 5.5573% | 2,584 |
| Cash dividends to net income (ytd only)* | 105.1709% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4979% | 4,836 |
| Loan loss allowance to noncurrent loans | 1,346.1538% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,489 |
| Noncurrent loans to loans | 0.0370% | 4,331 |
| Net loans and leases to total assets | 41.2652% | 4,556 |
| Net loans and leases to deposits | 46.3569% | 4,643 |
| Net loans and leases to core deposits | 46.6743% | 4,701 |
| Total domestic deposits to total assets | 89.0163% | 732 |
| Equity capital to assets | 10.0713% | 3,141 |
| Core capital (leverage) ratio | 10.1317% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,262,667 | 2,164 |
| Average earning assets | $297,241,333 | 2,140 |
| Average equity | $33,854,333 | 2,265 |
| Average total loans | $131,287,667 | 2,851 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 4,549 |
| Cost of funding earning assets | 0.1049% | 5,037 |
| Net interest margin | 3.4747% | 3,067 |
| Noninterest income to average assets | 0.5326% | 2,377 |
| Noninterest expense to average assets | 2.4765% | 3,343 |
| Loan and lease loss provision to assets | 0.1410% | 1,978 |
| Net operating income to assets | 0.8851% | 2,569 |
| Return on assets (ROA) | 0.8851% | 2,667 |
| Pretax return on assets | 1.1593% | 2,337 |
| Return on Equity (ROE) | 8.0449% | 2,503 |
| Retained earnings to average equity (ytd only) | 0.6289% | 3,835 |
| Net charge-offs to loans | 0.0032% | 2,478 |
| Credit loss provision to net charge-offs | 10,700.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 996.0000% | 51 |
| Efficiency ratio | 65.5721% | 3,017 |
| Assets per employee ($millions) | 5.1602% | 2,470 |
| Cash dividends to net income (ytd only)* | 92.1829% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2781% | 5,005 |
| Loan loss allowance to noncurrent loans | 662.9630% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,552 |
| Noncurrent loans to loans | 0.0419% | 4,386 |
| Net loans and leases to total assets | 40.7870% | 4,635 |
| Net loans and leases to deposits | 46.1732% | 4,716 |
| Net loans and leases to core deposits | 46.5160% | 4,760 |
| Total domestic deposits to total assets | 88.3348% | 961 |
| Equity capital to assets | 10.7801% | 3,067 |
| Core capital (leverage) ratio | 10.7982% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,397,500 | 2,164 |
| Average earning assets | $286,071,500 | 2,156 |
| Average equity | $33,711,000 | 2,263 |
| Average total loans | $126,638,500 | 2,877 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 4,811 |
| Cost of funding earning assets | 0.1035% | 5,100 |
| Net interest margin | 3.4588% | 3,568 |
| Noninterest income to average assets | 0.5443% | 2,519 |
| Noninterest expense to average assets | 2.6141% | 3,135 |
| Loan and lease loss provision to assets | 0.0282% | 3,454 |
| Net operating income to assets | 0.8742% | 3,302 |
| Return on assets (ROA) | 0.8742% | 3,391 |
| Pretax return on assets | 1.0889% | 3,198 |
| Return on Equity (ROE) | 7.9604% | 3,183 |
| Retained earnings to average equity (ytd only) | 1.1734% | 4,326 |
| Net charge-offs to loans | 0.0140% | 3,202 |
| Credit loss provision to net charge-offs | 531.2500% | 554 |
| Earnings coverage of net charge-offs (x) | 210.7500% | 383 |
| Efficiency ratio | 70.0613% | 2,162 |
| Assets per employee ($millions) | 4.6566% | 3,012 |
| Cash dividends to net income (ytd only)* | 85.2596% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2024% | 5,086 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,562 |
| Noncurrent loans to loans | 0.0450% | 4,380 |
| Net loans and leases to total assets | 41.7018% | 4,685 |
| Net loans and leases to deposits | 47.4395% | 4,755 |
| Net loans and leases to core deposits | 47.8309% | 4,794 |
| Total domestic deposits to total assets | 87.9052% | 1,172 |
| Equity capital to assets | 11.2371% | 2,774 |
| Core capital (leverage) ratio | 11.0693% | 2,438 |
| Tier 1 risk-based capital ratio | 21.4874% | 1,085 |
| Total risk-based capital ratio | 21.6496% | 1,236 |
| Memoranda: | ||
| Average total assets | $301,864,000 | 2,157 |
| Average earning assets | $278,127,600 | 2,159 |
| Average equity | $33,151,600 | 2,231 |
| Average total loans | $114,352,400 | 3,014 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,930 |
| Cost of funding earning assets | 0.1007% | 5,183 |
| Net interest margin | 3.4366% | 3,771 |
| Noninterest income to average assets | 0.5416% | 2,505 |
| Noninterest expense to average assets | 2.6202% | 3,105 |
| Loan and lease loss provision to assets | 0.0154% | 3,600 |
| Net operating income to assets | 0.8542% | 3,506 |
| Return on assets (ROA) | 0.8542% | 3,583 |
| Pretax return on assets | 1.0624% | 3,401 |
| Return on Equity (ROE) | 7.8222% | 3,374 |
| Retained earnings to average equity (ytd only) | 1.0161% | 4,564 |
| Net charge-offs to loans | 0.0048% | 3,227 |
| Credit loss provision to net charge-offs | 875.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 612.3677% | 162 |
| Efficiency ratio | 70.8537% | 1,988 |
| Assets per employee ($millions) | 4.6408% | 2,986 |
| Cash dividends to net income (ytd only)* | 87.0104% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1835% | 5,166 |
| Loan loss allowance to noncurrent loans | 356.6667% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,649 |
| Noncurrent loans to loans | 0.0514% | 4,415 |
| Net loans and leases to total assets | 36.8955% | 4,907 |
| Net loans and leases to deposits | 41.6838% | 4,960 |
| Net loans and leases to core deposits | 42.0058% | 4,994 |
| Total domestic deposits to total assets | 88.5129% | 822 |
| Equity capital to assets | 10.5567% | 3,498 |
| Core capital (leverage) ratio | 11.2857% | 2,392 |
| Tier 1 risk-based capital ratio | 23.1660% | 930 |
| Total risk-based capital ratio | 23.3151% | 1,033 |
| Memoranda: | ||
| Average total assets | $302,824,750 | 2,168 |
| Average earning assets | $278,140,250 | 2,175 |
| Average equity | $33,067,250 | 2,249 |
| Average total loans | $111,807,500 | 3,086 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,963 |
| Cost of funding earning assets | 0.0971% | 5,229 |
| Net interest margin | 3.4631% | 3,704 |
| Noninterest income to average assets | 0.5473% | 2,402 |
| Noninterest expense to average assets | 2.6539% | 3,046 |
| Loan and lease loss provision to assets | 0.0167% | 3,452 |
| Net operating income to assets | 0.8474% | 3,481 |
| Return on assets (ROA) | 0.8474% | 3,540 |
| Pretax return on assets | 1.0530% | 3,374 |
| Return on Equity (ROE) | 7.6702% | 3,430 |
| Retained earnings to average equity (ytd only) | 0.8489% | 4,477 |
| Net charge-offs to loans | 0.0073% | 2,887 |
| Credit loss provision to net charge-offs | 625.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 399.2500% | 195 |
| Efficiency ratio | 71.2718% | 2,022 |
| Assets per employee ($millions) | 3.8604% | 4,050 |
| Cash dividends to net income (ytd only)* | 88.9328% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1765% | 5,224 |
| Loan loss allowance to noncurrent loans | 334.4262% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,612 |
| Noncurrent loans to loans | 0.0528% | 4,447 |
| Net loans and leases to total assets | 39.8428% | 4,850 |
| Net loans and leases to deposits | 45.4982% | 4,916 |
| Net loans and leases to core deposits | 45.8851% | 4,962 |
| Total domestic deposits to total assets | 87.5702% | 1,303 |
| Equity capital to assets | 11.4624% | 2,630 |
| Core capital (leverage) ratio | 11.0725% | 2,529 |
| Tier 1 risk-based capital ratio | 23.0879% | 939 |
| Total risk-based capital ratio | 23.2301% | 1,028 |
| Memoranda: | ||
| Average total assets | $298,575,670 | 2,194 |
| Average earning assets | $273,861,670 | 2,203 |
| Average equity | $32,985,000 | 2,250 |
| Average total loans | $110,194,670 | 3,134 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 5,080 |
| Cost of funding earning assets | 0.0891% | 5,293 |
| Net interest margin | 3.3605% | 4,006 |
| Noninterest income to average assets | 0.5384% | 2,349 |
| Noninterest expense to average assets | 2.5431% | 3,389 |
| Loan and lease loss provision to assets | 0.0119% | 3,282 |
| Net operating income to assets | 0.8618% | 3,395 |
| Return on assets (ROA) | 0.8618% | 3,445 |
| Pretax return on assets | 1.0703% | 3,237 |
| Return on Equity (ROE) | 7.9431% | 3,288 |
| Retained earnings to average equity (ytd only) | 1.0948% | 4,290 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1493% | 2,314 |
| Assets per employee ($millions) | 4.0449% | 3,854 |
| Cash dividends to net income (ytd only)* | 86.2175% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1753% | 5,287 |
| Loan loss allowance to noncurrent loans | 304.7619% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,737 |
| Noncurrent loans to loans | 0.0575% | 4,507 |
| Net loans and leases to total assets | 35.0949% | 5,044 |
| Net loans and leases to deposits | 39.6332% | 5,084 |
| Net loans and leases to core deposits | 39.9426% | 5,109 |
| Total domestic deposits to total assets | 88.5493% | 1,063 |
| Equity capital to assets | 10.5918% | 3,260 |
| Core capital (leverage) ratio | 10.8641% | 2,703 |
| Tier 1 risk-based capital ratio | 23.5090% | 888 |
| Total risk-based capital ratio | 23.6454% | 981 |
| Memoranda: | ||
| Average total assets | $303,098,500 | 2,185 |
| Average earning assets | $278,409,000 | 2,189 |
| Average equity | $32,884,000 | 2,259 |
| Average total loans | $107,511,500 | 3,205 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2397% | 5,121 |
| Cost of funding earning assets | 0.0654% | 5,346 |
| Net interest margin | 3.1744% | 4,531 |
| Noninterest income to average assets | 0.6264% | 2,163 |
| Noninterest expense to average assets | 2.6304% | 3,243 |
| Loan and lease loss provision to assets | 0.0014% | 4,067 |
| Net operating income to assets | 0.7487% | 3,974 |
| Return on assets (ROA) | 0.7487% | 3,976 |
| Pretax return on assets | 0.9062% | 3,882 |
| Return on Equity (ROE) | 6.8865% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.5494% | 3,024 |
| Net charge-offs to loans | 0.0039% | 3,585 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 669.7500% | 164 |
| Efficiency ratio | 74.3489% | 1,582 |
| Assets per employee ($millions) | 3.8781% | 4,061 |
| Cash dividends to net income (ytd only)* | 33.9367% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1734% | 5,329 |
| Loan loss allowance to noncurrent loans | 247.2973% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,643 |
| Noncurrent loans to loans | 0.0701% | 4,438 |
| Net loans and leases to total assets | 35.7408% | 5,072 |
| Net loans and leases to deposits | 40.6063% | 5,112 |
| Net loans and leases to core deposits | 40.8695% | 5,147 |
| Total domestic deposits to total assets | 88.0179% | 1,288 |
| Equity capital to assets | 11.1214% | 2,581 |
| Core capital (leverage) ratio | 11.0487% | 2,483 |
| Tier 1 risk-based capital ratio | 23.6560% | 852 |
| Total risk-based capital ratio | 23.7872% | 941 |
| Memoranda: | ||
| Average total assets | $295,197,200 | 2,185 |
| Average earning assets | $270,762,600 | 2,188 |
| Average equity | $32,091,800 | 2,212 |
| Average total loans | $101,284,000 | 3,272 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1472% | 5,223 |
| Cost of funding earning assets | 0.0596% | 5,420 |
| Net interest margin | 3.0877% | 4,724 |
| Noninterest income to average assets | 0.6533% | 2,056 |
| Noninterest expense to average assets | 2.5920% | 3,303 |
| Loan and lease loss provision to assets | 0.0027% | 3,914 |
| Net operating income to assets | 0.7413% | 4,103 |
| Return on assets (ROA) | 0.7413% | 4,112 |
| Pretax return on assets | 0.8890% | 4,058 |
| Return on Equity (ROE) | 6.8586% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.7701% | 3,361 |
| Net charge-offs to loans | 0.0040% | 3,318 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 658.3175% | 135 |
| Efficiency ratio | 74.4038% | 1,532 |
| Assets per employee ($millions) | 4.0798% | 3,767 |
| Cash dividends to net income (ytd only)* | 30.4507% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1745% | 5,400 |
| Loan loss allowance to noncurrent loans | 272.0588% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,811 |
| Noncurrent loans to loans | 0.0641% | 4,598 |
| Net loans and leases to total assets | 34.1369% | 5,198 |
| Net loans and leases to deposits | 38.5108% | 5,236 |
| Net loans and leases to core deposits | 38.7039% | 5,257 |
| Total domestic deposits to total assets | 88.6424% | 981 |
| Equity capital to assets | 10.4436% | 3,196 |
| Core capital (leverage) ratio | 11.1370% | 2,470 |
| Tier 1 risk-based capital ratio | 23.5468% | 885 |
| Total risk-based capital ratio | 23.6802% | 975 |
| Memoranda: | ||
| Average total assets | $295,311,750 | 2,195 |
| Average earning assets | $270,706,000 | 2,203 |
| Average equity | $31,920,000 | 2,222 |
| Average total loans | $100,223,750 | 3,322 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1055% | 5,283 |
| Cost of funding earning assets | 0.0569% | 5,481 |
| Net interest margin | 3.0486% | 4,812 |
| Noninterest income to average assets | 0.7287% | 1,750 |
| Noninterest expense to average assets | 2.6206% | 3,262 |
| Loan and lease loss provision to assets | -0.0055% | 5,293 |
| Net operating income to assets | 0.7776% | 3,929 |
| Return on assets (ROA) | 0.7776% | 3,934 |
| Pretax return on assets | 0.9181% | 3,917 |
| Return on Equity (ROE) | 7.1082% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.5342% | 2,806 |
| Net charge-offs to loans | 0.0061% | 2,927 |
| Credit loss provision to net charge-offs | -266.6667% | 4,244 |
| Earnings coverage of net charge-offs (x) | 441.6667% | 208 |
| Efficiency ratio | 74.1715% | 1,686 |
| Assets per employee ($millions) | 3.8927% | 4,070 |
| Cash dividends to net income (ytd only)* | 22.1435% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1693% | 5,461 |
| Loan loss allowance to noncurrent loans | 247.8261% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,791 |
| Noncurrent loans to loans | 0.0683% | 4,613 |
| Net loans and leases to total assets | 35.0046% | 5,204 |
| Net loans and leases to deposits | 39.8227% | 5,248 |
| Net loans and leases to core deposits | 40.0997% | 5,278 |
| Total domestic deposits to total assets | 87.9012% | 1,433 |
| Equity capital to assets | 11.1604% | 2,491 |
| Core capital (leverage) ratio | 11.1234% | 2,420 |
| Tier 1 risk-based capital ratio | 24.5793% | 781 |
| Total risk-based capital ratio | 24.7090% | 866 |
| Memoranda: | ||
| Average total assets | $290,393,670 | 2,230 |
| Average earning assets | $267,140,000 | 2,231 |
| Average equity | $31,766,000 | 2,238 |
| Average total loans | $98,287,670 | 3,366 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0027% | 5,370 |
| Cost of funding earning assets | 0.0507% | 5,552 |
| Net interest margin | 2.9520% | 4,953 |
| Noninterest income to average assets | 0.5652% | 2,446 |
| Noninterest expense to average assets | 2.5792% | 3,394 |
| Loan and lease loss provision to assets | -0.0082% | 5,405 |
| Net operating income to assets | 0.5735% | 4,499 |
| Return on assets (ROA) | 0.5735% | 4,507 |
| Pretax return on assets | 0.7079% | 4,419 |
| Return on Equity (ROE) | 5.2954% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.2954% | 3,039 |
| Net charge-offs to loans | 0.0083% | 2,438 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 264 |
| Efficiency ratio | 78.6611% | 1,298 |
| Assets per employee ($millions) | 4.0873% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1778% | 5,522 |
| Loan loss allowance to noncurrent loans | 245.0704% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,926 |
| Noncurrent loans to loans | 0.0726% | 4,655 |
| Net loans and leases to total assets | 32.7346% | 5,300 |
| Net loans and leases to deposits | 36.9936% | 5,337 |
| Net loans and leases to core deposits | 37.2402% | 5,369 |
| Total domestic deposits to total assets | 88.4873% | 1,359 |
| Equity capital to assets | 10.6289% | 2,943 |
| Core capital (leverage) ratio | 10.7522% | 2,685 |
| Tier 1 risk-based capital ratio | 24.8702% | 756 |
| Total risk-based capital ratio | 25.0056% | 841 |
| Memoranda: | ||
| Average total assets | $291,559,500 | 2,242 |
| Average earning assets | $268,025,000 | 2,249 |
| Average equity | $31,574,500 | 2,267 |
| Average total loans | $96,928,500 | 3,415 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6908% | 5,498 |
| Cost of funding earning assets | 0.0524% | 5,612 |
| Net interest margin | 2.6384% | 5,325 |
| Noninterest income to average assets | 0.5838% | 2,529 |
| Noninterest expense to average assets | 2.5943% | 3,465 |
| Loan and lease loss provision to assets | -0.0400% | 5,373 |
| Net operating income to assets | 0.2314% | 5,045 |
| Return on assets (ROA) | 0.2314% | 5,063 |
| Pretax return on assets | 0.4484% | 5,020 |
| Return on Equity (ROE) | 2.1276% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.1276% | 4,042 |
| Net charge-offs to loans | -0.0897% | 5,342 |
| Credit loss provision to net charge-offs | 135.2941% | 1,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3979% | 619 |
| Assets per employee ($millions) | 3.9006% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1896% | 5,581 |
| Loan loss allowance to noncurrent loans | 245.9459% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 3,896 |
| Noncurrent loans to loans | 0.0771% | 4,652 |
| Net loans and leases to total assets | 33.6544% | 5,351 |
| Net loans and leases to deposits | 38.2035% | 5,387 |
| Net loans and leases to core deposits | 38.4716% | 5,412 |
| Total domestic deposits to total assets | 88.0925% | 1,450 |
| Equity capital to assets | 11.0397% | 2,595 |
| Core capital (leverage) ratio | 10.8651% | 2,463 |
| Tier 1 risk-based capital ratio | 24.9855% | 726 |
| Total risk-based capital ratio | 25.1297% | 807 |
| Memoranda: | ||
| Average total assets | $287,435,800 | 2,240 |
| Average earning assets | $263,527,800 | 2,259 |
| Average equity | $31,255,200 | 2,275 |
| Average total loans | $94,719,800 | 3,439 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6316% | 5,586 |
| Cost of funding earning assets | 0.0525% | 5,676 |
| Net interest margin | 2.5791% | 5,420 |
| Noninterest income to average assets | 0.5646% | 2,648 |
| Noninterest expense to average assets | 2.5522% | 3,559 |
| Loan and lease loss provision to assets | -0.0532% | 5,531 |
| Net operating income to assets | 0.3068% | 5,205 |
| Return on assets (ROA) | 0.3068% | 5,225 |
| Pretax return on assets | 0.4299% | 5,136 |
| Return on Equity (ROE) | 2.8323% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.8323% | 4,216 |
| Net charge-offs to loans | -0.1243% | 5,435 |
| Credit loss provision to net charge-offs | 130.6818% | 1,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1386% | 561 |
| Assets per employee ($millions) | 4.1745% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1881% | 5,653 |
| Loan loss allowance to noncurrent loans | 246.6667% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 4,129 |
| Noncurrent loans to loans | 0.0763% | 4,768 |
| Net loans and leases to total assets | 32.2151% | 5,449 |
| Net loans and leases to deposits | 36.2990% | 5,490 |
| Net loans and leases to core deposits | 36.5350% | 5,517 |
| Total domestic deposits to total assets | 88.7494% | 991 |
| Equity capital to assets | 10.3515% | 3,537 |
| Core capital (leverage) ratio | 11.0040% | 2,457 |
| Tier 1 risk-based capital ratio | 24.0185% | 850 |
| Total risk-based capital ratio | 24.1594% | 942 |
| Memoranda: | ||
| Average total assets | $288,108,750 | 2,246 |
| Average earning assets | $264,114,250 | 2,271 |
| Average equity | $31,210,250 | 2,288 |
| Average total loans | $94,397,000 | 3,473 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6425% | 5,614 |
| Cost of funding earning assets | 0.0534% | 5,715 |
| Net interest margin | 2.5891% | 5,446 |
| Noninterest income to average assets | 0.5946% | 2,491 |
| Noninterest expense to average assets | 2.6005% | 3,431 |
| Loan and lease loss provision to assets | -0.0864% | 5,634 |
| Net operating income to assets | 0.3199% | 5,173 |
| Return on assets (ROA) | 0.3199% | 5,194 |
| Pretax return on assets | 0.4480% | 5,086 |
| Return on Equity (ROE) | 2.9069% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.9069% | 3,983 |
| Net charge-offs to loans | -0.1869% | 5,566 |
| Credit loss provision to net charge-offs | 140.2299% | 1,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7897% | 561 |
| Assets per employee ($millions) | 3.8615% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1859% | 5,703 |
| Loan loss allowance to noncurrent loans | 229.8701% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 4,116 |
| Noncurrent loans to loans | 0.0809% | 4,810 |
| Net loans and leases to total assets | 33.7115% | 5,455 |
| Net loans and leases to deposits | 38.3114% | 5,499 |
| Net loans and leases to core deposits | 38.5832% | 5,532 |
| Total domestic deposits to total assets | 87.9933% | 1,460 |
| Equity capital to assets | 11.1160% | 2,689 |
| Core capital (leverage) ratio | 11.1790% | 2,242 |
| Tier 1 risk-based capital ratio | 24.2375% | 830 |
| Total risk-based capital ratio | 24.3745% | 925 |
| Memoranda: | ||
| Average total assets | $282,565,330 | 2,291 |
| Average earning assets | $258,394,000 | 2,312 |
| Average equity | $31,098,670 | 2,291 |
| Average total loans | $93,077,000 | 3,509 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5848% | 5,690 |
| Cost of funding earning assets | 0.0541% | 5,778 |
| Net interest margin | 2.5307% | 5,521 |
| Noninterest income to average assets | 0.6108% | 2,368 |
| Noninterest expense to average assets | 2.5945% | 3,524 |
| Loan and lease loss provision to assets | -0.0311% | 5,691 |
| Net operating income to assets | 0.2644% | 5,276 |
| Return on assets (ROA) | 0.2644% | 5,293 |
| Pretax return on assets | 0.3620% | 5,221 |
| Return on Equity (ROE) | 2.4144% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.4144% | 4,182 |
| Net charge-offs to loans | -0.0043% | 4,142 |
| Credit loss provision to net charge-offs | 2,200.0000% | 153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6902% | 622 |
| Assets per employee ($millions) | 4.0161% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2028% | 5,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.5019% | 5,529 |
| Net loans and leases to deposits | 36.7553% | 5,560 |
| Net loans and leases to core deposits | 37.0080% | 5,598 |
| Total domestic deposits to total assets | 88.4276% | 1,469 |
| Equity capital to assets | 10.7459% | 2,912 |
| Core capital (leverage) ratio | 10.7654% | 2,629 |
| Tier 1 risk-based capital ratio | 23.8659% | 887 |
| Total risk-based capital ratio | 24.0127% | 988 |
| Memoranda: | ||
| Average total assets | $282,902,000 | 2,304 |
| Average earning assets | $258,739,000 | 2,323 |
| Average equity | $30,980,500 | 2,296 |
| Average total loans | $92,012,000 | 3,554 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4407% | 5,775 |
| Cost of funding earning assets | 0.0534% | 5,827 |
| Net interest margin | 2.3872% | 5,654 |
| Noninterest income to average assets | 0.6099% | 2,611 |
| Noninterest expense to average assets | 2.5874% | 3,715 |
| Loan and lease loss provision to assets | -0.0060% | 5,477 |
| Net operating income to assets | 0.1477% | 5,500 |
| Return on assets (ROA) | 0.1477% | 5,536 |
| Pretax return on assets | 0.1912% | 5,506 |
| Return on Equity (ROE) | 1.3613% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.3613% | 4,730 |
| Net charge-offs to loans | -0.0297% | 5,244 |
| Credit loss provision to net charge-offs | 70.8333% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3214% | 411 |
| Assets per employee ($millions) | 3.7384% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2359% | 5,822 |
| Loan loss allowance to noncurrent loans | 1,177.7778% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 5,396 |
| Noncurrent loans to loans | 0.0200% | 5,193 |
| Net loans and leases to total assets | 32.4022% | 5,586 |
| Net loans and leases to deposits | 36.8107% | 5,627 |
| Net loans and leases to core deposits | 37.0763% | 5,658 |
| Total domestic deposits to total assets | 88.0239% | 1,617 |
| Equity capital to assets | 11.1653% | 2,460 |
| Core capital (leverage) ratio | 10.8322% | 2,502 |
| Tier 1 risk-based capital ratio | 24.9356% | 775 |
| Total risk-based capital ratio | 25.1068% | 863 |
| Memoranda: | ||
| Average total assets | $282,982,600 | 2,265 |
| Average earning assets | $256,365,200 | 2,305 |
| Average equity | $30,706,400 | 2,309 |
| Average total loans | $80,912,000 | 3,783 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4046% | 5,851 |
| Cost of funding earning assets | 0.0523% | 5,897 |
| Net interest margin | 2.3523% | 5,750 |
| Noninterest income to average assets | 0.6100% | 2,609 |
| Noninterest expense to average assets | 2.5821% | 3,725 |
| Loan and lease loss provision to assets | -0.0136% | 5,655 |
| Net operating income to assets | 0.1368% | 5,574 |
| Return on assets (ROA) | 0.1368% | 5,630 |
| Pretax return on assets | 0.1691% | 5,595 |
| Return on Equity (ROE) | 1.2698% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.2698% | 5,005 |
| Net charge-offs to loans | -0.0051% | 4,621 |
| Credit loss provision to net charge-offs | 966.6667% | 424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3180% | 375 |
| Assets per employee ($millions) | 3.9978% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2182% | 5,889 |
| Loan loss allowance to noncurrent loans | 994.4444% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 5,511 |
| Noncurrent loans to loans | 0.0219% | 5,301 |
| Net loans and leases to total assets | 27.6728% | 5,762 |
| Net loans and leases to deposits | 31.1859% | 5,801 |
| Net loans and leases to core deposits | 31.3946% | 5,813 |
| Total domestic deposits to total assets | 88.7351% | 1,031 |
| Equity capital to assets | 10.4165% | 3,651 |
| Core capital (leverage) ratio | 10.9473% | 2,507 |
| Tier 1 risk-based capital ratio | 26.1719% | 698 |
| Total risk-based capital ratio | 26.3243% | 792 |
| Memoranda: | ||
| Average total assets | $284,567,750 | 2,259 |
| Average earning assets | $257,388,000 | 2,309 |
| Average equity | $30,661,000 | 2,320 |
| Average total loans | $78,677,500 | 3,860 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4365% | 5,918 |
| Cost of funding earning assets | 0.0547% | 5,976 |
| Net interest margin | 2.3818% | 5,822 |
| Noninterest income to average assets | 0.6239% | 2,491 |
| Noninterest expense to average assets | 2.6117% | 3,680 |
| Loan and lease loss provision to assets | -0.0100% | 5,767 |
| Net operating income to assets | 0.1339% | 5,628 |
| Return on assets (ROA) | 0.1339% | 5,673 |
| Pretax return on assets | 0.1638% | 5,658 |
| Return on Equity (ROE) | 1.2284% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.2284% | 4,889 |
| Net charge-offs to loans | -0.0052% | 4,530 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4373% | 397 |
| Assets per employee ($millions) | 3.7085% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2461% | 5,961 |
| Loan loss allowance to noncurrent loans | 410.6383% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,536 |
| Noncurrent loans to loans | 0.0599% | 5,208 |
| Net loans and leases to total assets | 28.1303% | 5,820 |
| Net loans and leases to deposits | 31.9266% | 5,852 |
| Net loans and leases to core deposits | 32.1556% | 5,867 |
| Total domestic deposits to total assets | 88.1093% | 1,378 |
| Equity capital to assets | 11.0480% | 3,010 |
| Core capital (leverage) ratio | 11.2026% | 2,230 |
| Tier 1 risk-based capital ratio | 27.0024% | 650 |
| Total risk-based capital ratio | 27.1725% | 711 |
| Memoranda: | ||
| Average total assets | $280,810,670 | 2,296 |
| Average earning assets | $252,498,000 | 2,362 |
| Average equity | $30,609,330 | 2,329 |
| Average total loans | $77,554,670 | 3,915 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4304% | 5,988 |
| Cost of funding earning assets | 0.0535% | 6,045 |
| Net interest margin | 2.3770% | 5,890 |
| Noninterest income to average assets | 0.6436% | 2,298 |
| Noninterest expense to average assets | 2.5703% | 3,847 |
| Loan and lease loss provision to assets | -0.0213% | 5,910 |
| Net operating income to assets | 0.1829% | 5,560 |
| Return on assets (ROA) | 0.1829% | 5,616 |
| Pretax return on assets | 0.2382% | 5,592 |
| Return on Equity (ROE) | 1.6891% | 5,578 |
| Retained earnings to average equity (ytd only) | 1.6891% | 4,597 |
| Net charge-offs to loans | -0.0104% | 4,547 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2177% | 537 |
| Assets per employee ($millions) | 3.8002% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2530% | 6,025 |
| Loan loss allowance to noncurrent loans | 391.8367% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,582 |
| Noncurrent loans to loans | 0.0646% | 5,222 |
| Net loans and leases to total assets | 26.5620% | 5,909 |
| Net loans and leases to deposits | 30.0257% | 5,927 |
| Net loans and leases to core deposits | 30.2337% | 5,942 |
| Total domestic deposits to total assets | 88.4642% | 1,371 |
| Equity capital to assets | 10.7506% | 3,203 |
| Core capital (leverage) ratio | 10.9588% | 2,441 |
| Tier 1 risk-based capital ratio | 27.9473% | 611 |
| Total risk-based capital ratio | 28.1228% | 668 |
| Memoranda: | ||
| Average total assets | $282,145,500 | 2,296 |
| Average earning assets | $254,441,500 | 2,355 |
| Average equity | $30,549,500 | 2,338 |
| Average total loans | $77,114,500 | 3,939 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4006% | 6,029 |
| Cost of funding earning assets | 0.0558% | 6,096 |
| Net interest margin | 2.3448% | 5,924 |
| Noninterest income to average assets | 0.6326% | 2,551 |
| Noninterest expense to average assets | 2.6159% | 3,863 |
| Loan and lease loss provision to assets | 0.0040% | 4,316 |
| Net operating income to assets | 0.0969% | 5,760 |
| Return on assets (ROA) | 0.0969% | 5,802 |
| Pretax return on assets | 0.1081% | 5,792 |
| Return on Equity (ROE) | 0.8837% | 5,793 |
| Retained earnings to average equity (ytd only) | 0.8837% | 5,169 |
| Net charge-offs to loans | -0.0029% | 4,906 |
| Credit loss provision to net charge-offs | -550.0000% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8919% | 398 |
| Assets per employee ($millions) | 3.7237% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2617% | 6,073 |
| Loan loss allowance to noncurrent loans | 125.7669% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 5,427 |
| Noncurrent loans to loans | 0.2081% | 4,672 |
| Net loans and leases to total assets | 27.9746% | 5,944 |
| Net loans and leases to deposits | 31.6624% | 5,972 |
| Net loans and leases to core deposits | 31.9386% | 5,988 |
| Total domestic deposits to total assets | 88.3527% | 1,446 |
| Equity capital to assets | 10.9061% | 2,926 |
| Core capital (leverage) ratio | 10.8564% | 2,554 |
| Tier 1 risk-based capital ratio | 27.1349% | 656 |
| Total risk-based capital ratio | 27.3176% | 716 |
| Memoranda: | ||
| Average total assets | $276,620,600 | 2,297 |
| Average earning assets | $247,188,400 | 2,365 |
| Average equity | $30,328,200 | 2,297 |
| Average total loans | $69,389,000 | 4,107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3854% | 6,125 |
| Cost of funding earning assets | 0.0559% | 6,182 |
| Net interest margin | 2.3294% | 6,017 |
| Noninterest income to average assets | 0.6382% | 2,535 |
| Noninterest expense to average assets | 2.6110% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0913% | 5,862 |
| Return on assets (ROA) | 0.0913% | 5,899 |
| Pretax return on assets | 0.0995% | 5,888 |
| Return on Equity (ROE) | 0.8318% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.8318% | 5,370 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3280% | 406 |
| Assets per employee ($millions) | 3.9053% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2647% | 6,158 |
| Loan loss allowance to noncurrent loans | 8.5247% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 2,999 |
| Noncurrent loans to loans | 3.1051% | 553 |
| Net loans and leases to total assets | 24.5011% | 6,082 |
| Net loans and leases to deposits | 27.5526% | 6,107 |
| Net loans and leases to core deposits | 27.8170% | 6,116 |
| Total domestic deposits to total assets | 88.9250% | 1,065 |
| Equity capital to assets | 10.2556% | 3,868 |
| Core capital (leverage) ratio | 11.1312% | 2,370 |
| Tier 1 risk-based capital ratio | 26.6677% | 719 |
| Total risk-based capital ratio | 26.8371% | 789 |
| Memoranda: | ||
| Average total assets | $275,957,000 | 2,318 |
| Average earning assets | $245,491,250 | 2,398 |
| Average equity | $30,295,750 | 2,314 |
| Average total loans | $67,153,500 | 4,204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4352% | 6,184 |
| Cost of funding earning assets | 0.0579% | 6,254 |
| Net interest margin | 2.3773% | 6,053 |
| Noninterest income to average assets | 0.6550% | 2,452 |
| Noninterest expense to average assets | 2.6795% | 3,657 |
| Loan and lease loss provision to assets | -0.0022% | 5,929 |
| Net operating income to assets | 0.0825% | 5,898 |
| Return on assets (ROA) | 0.0825% | 5,943 |
| Pretax return on assets | 0.0855% | 5,944 |
| Return on Equity (ROE) | 0.7339% | 5,932 |
| Retained earnings to average equity (ytd only) | 0.7339% | 5,260 |
| Net charge-offs to loans | -0.0061% | 4,793 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9860% | 405 |
| Assets per employee ($millions) | 3.6456% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2821% | 6,222 |
| Loan loss allowance to noncurrent loans | 353.7037% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 5,805 |
| Noncurrent loans to loans | 0.0797% | 5,416 |
| Net loans and leases to total assets | 25.0310% | 6,145 |
| Net loans and leases to deposits | 28.4704% | 6,159 |
| Net loans and leases to core deposits | 28.7748% | 6,175 |
| Total domestic deposits to total assets | 87.9191% | 1,691 |
| Equity capital to assets | 11.2376% | 2,634 |
| Core capital (leverage) ratio | 11.2818% | 2,180 |
| Tier 1 risk-based capital ratio | 27.9575% | 642 |
| Total risk-based capital ratio | 28.1336% | 703 |
| Memoranda: | ||
| Average total assets | $269,008,330 | 2,385 |
| Average earning assets | $238,502,330 | 2,473 |
| Average equity | $30,248,000 | 2,326 |
| Average total loans | $65,233,670 | 4,302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4060% | 6,257 |
| Cost of funding earning assets | 0.0553% | 6,335 |
| Net interest margin | 2.3508% | 6,127 |
| Noninterest income to average assets | 0.6686% | 2,314 |
| Noninterest expense to average assets | 2.6803% | 3,658 |
| Loan and lease loss provision to assets | -0.0164% | 6,116 |
| Net operating income to assets | 0.0893% | 5,897 |
| Return on assets (ROA) | 0.0893% | 5,952 |
| Pretax return on assets | 0.0953% | 5,955 |
| Return on Equity (ROE) | 0.7943% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.7943% | 5,139 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1398% | 462 |
| Assets per employee ($millions) | 3.6689% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2737% | 6,303 |
| Loan loss allowance to noncurrent loans | 308.4746% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,858 |
| Noncurrent loans to loans | 0.0887% | 5,427 |
| Net loans and leases to total assets | 23.7858% | 6,215 |
| Net loans and leases to deposits | 26.9306% | 6,237 |
| Net loans and leases to core deposits | 27.2076% | 6,247 |
| Total domestic deposits to total assets | 88.3225% | 1,646 |
| Equity capital to assets | 10.8534% | 3,137 |
| Core capital (leverage) ratio | 11.1426% | 2,275 |
| Tier 1 risk-based capital ratio | 27.4403% | 682 |
| Total risk-based capital ratio | 27.6055% | 742 |
| Memoranda: | ||
| Average total assets | $268,625,500 | 2,397 |
| Average earning assets | $238,901,000 | 2,479 |
| Average equity | $30,214,000 | 2,333 |
| Average total loans | $63,991,500 | 4,364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3970% | 6,356 |
| Cost of funding earning assets | 0.0605% | 6,421 |
| Net interest margin | 2.3365% | 6,252 |
| Noninterest income to average assets | 0.7300% | 2,164 |
| Noninterest expense to average assets | 2.5855% | 4,272 |
| Loan and lease loss provision to assets | -0.0154% | 5,928 |
| Net operating income to assets | 0.1857% | 5,798 |
| Return on assets (ROA) | 0.1857% | 5,846 |
| Pretax return on assets | 0.2418% | 5,802 |
| Return on Equity (ROE) | 1.6503% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.6503% | 4,986 |
| Net charge-offs to loans | -0.0017% | 5,368 |
| Credit loss provision to net charge-offs | 4,100.0000% | 73 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9491% | 708 |
| Assets per employee ($millions) | 3.4921% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3123% | 6,378 |
| Loan loss allowance to noncurrent loans | 369.2308% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,961 |
| Noncurrent loans to loans | 0.0846% | 5,547 |
| Net loans and leases to total assets | 23.7160% | 6,320 |
| Net loans and leases to deposits | 27.3566% | 6,326 |
| Net loans and leases to core deposits | 27.6662% | 6,334 |
| Total domestic deposits to total assets | 86.6920% | 2,457 |
| Equity capital to assets | 11.6730% | 2,279 |
| Core capital (leverage) ratio | 11.1558% | 2,252 |
| Tier 1 risk-based capital ratio | 28.2661% | 604 |
| Total risk-based capital ratio | 28.4459% | 647 |
| Memoranda: | ||
| Average total assets | $265,477,200 | 2,384 |
| Average earning assets | $236,549,400 | 2,454 |
| Average equity | $29,873,200 | 2,276 |
| Average total loans | $57,734,800 | 4,560 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3857% | 6,440 |
| Cost of funding earning assets | 0.0589% | 6,507 |
| Net interest margin | 2.3268% | 6,327 |
| Noninterest income to average assets | 0.8087% | 1,861 |
| Noninterest expense to average assets | 2.5115% | 4,491 |
| Loan and lease loss provision to assets | -0.0055% | 6,076 |
| Net operating income to assets | 0.2729% | 5,670 |
| Return on assets (ROA) | 0.2729% | 5,738 |
| Pretax return on assets | 0.3737% | 5,639 |
| Return on Equity (ROE) | 2.4474% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.4474% | 4,834 |
| Net charge-offs to loans | -0.0070% | 5,355 |
| Credit loss provision to net charge-offs | 366.6667% | 767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2141% | 1,078 |
| Assets per employee ($millions) | 3.7319% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3897% | 6,412 |
| Loan loss allowance to noncurrent loans | 386.2069% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 5,925 |
| Noncurrent loans to loans | 0.1009% | 5,635 |
| Net loans and leases to total assets | 20.1881% | 6,447 |
| Net loans and leases to deposits | 22.8114% | 6,467 |
| Net loans and leases to core deposits | 23.0656% | 6,461 |
| Total domestic deposits to total assets | 88.5001% | 1,496 |
| Equity capital to assets | 10.6340% | 3,391 |
| Core capital (leverage) ratio | 11.5011% | 2,061 |
| Tier 1 risk-based capital ratio | 27.8160% | 652 |
| Total risk-based capital ratio | 28.0221% | 708 |
| Memoranda: | ||
| Average total assets | $267,242,500 | 2,396 |
| Average earning assets | $237,858,500 | 2,460 |
| Average equity | $29,800,250 | 2,293 |
| Average total loans | $56,799,000 | 4,630 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4124% | 6,503 |
| Cost of funding earning assets | 0.0618% | 6,563 |
| Net interest margin | 2.3506% | 6,385 |
| Noninterest income to average assets | 0.9199% | 1,426 |
| Noninterest expense to average assets | 2.5533% | 4,401 |
| Loan and lease loss provision to assets | -0.0023% | 6,207 |
| Net operating income to assets | 0.3316% | 5,461 |
| Return on assets (ROA) | 0.3316% | 5,532 |
| Pretax return on assets | 0.4615% | 5,387 |
| Return on Equity (ROE) | 2.9245% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.9245% | 4,344 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7578% | 1,417 |
| Assets per employee ($millions) | 3.4869% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4066% | 6,485 |
| Loan loss allowance to noncurrent loans | 375.4098% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 5,754 |
| Noncurrent loans to loans | 0.1083% | 5,689 |
| Net loans and leases to total assets | 21.7391% | 6,487 |
| Net loans and leases to deposits | 24.8576% | 6,504 |
| Net loans and leases to core deposits | 25.0817% | 6,505 |
| Total domestic deposits to total assets | 87.4545% | 2,216 |
| Equity capital to assets | 11.6607% | 2,273 |
| Core capital (leverage) ratio | 11.4005% | 2,085 |
| Tier 1 risk-based capital ratio | 29.7535% | 531 |
| Total risk-based capital ratio | 29.9797% | 585 |
| Memoranda: | ||
| Average total assets | $261,780,670 | 2,440 |
| Average earning assets | $233,050,000 | 2,514 |
| Average equity | $29,680,000 | 2,290 |
| Average total loans | $56,571,000 | 4,670 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3811% | 6,578 |
| Cost of funding earning assets | 0.0593% | 6,649 |
| Net interest margin | 2.3218% | 6,462 |
| Noninterest income to average assets | 0.7115% | 2,115 |
| Noninterest expense to average assets | 2.5397% | 4,479 |
| Loan and lease loss provision to assets | 0.0046% | 3,760 |
| Net operating income to assets | 0.1896% | 5,828 |
| Return on assets (ROA) | 0.1896% | 5,874 |
| Pretax return on assets | 0.2458% | 5,840 |
| Return on Equity (ROE) | 1.6963% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.6963% | 4,935 |
| Net charge-offs to loans | 0.0141% | 3,315 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 528 |
| Efficiency ratio | 91.0277% | 951 |
| Assets per employee ($millions) | 3.6741% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4085% | 6,559 |
| Loan loss allowance to noncurrent loans | 60.9948% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 5,221 |
| Noncurrent loans to loans | 0.6697% | 4,185 |
| Net loans and leases to total assets | 20.6166% | 6,567 |
| Net loans and leases to deposits | 23.3088% | 6,585 |
| Net loans and leases to core deposits | 23.5032% | 6,589 |
| Total domestic deposits to total assets | 88.4499% | 1,960 |
| Equity capital to assets | 10.8047% | 2,935 |
| Core capital (leverage) ratio | 11.1301% | 2,274 |
| Tier 1 risk-based capital ratio | 28.1333% | 636 |
| Total risk-based capital ratio | 28.3532% | 695 |
| Memoranda: | ||
| Average total assets | $263,657,000 | 2,432 |
| Average earning assets | $236,027,000 | 2,490 |
| Average equity | $29,476,000 | 2,303 |
| Average total loans | $56,695,500 | 4,700 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6285% | 6,576 |
| Cost of funding earning assets | 0.0674% | 6,733 |
| Net interest margin | 2.5610% | 6,314 |
| Noninterest income to average assets | 0.7354% | 2,355 |
| Noninterest expense to average assets | 2.6095% | 4,424 |
| Loan and lease loss provision to assets | -0.0205% | 6,299 |
| Net operating income to assets | 0.3173% | 5,465 |
| Return on assets (ROA) | 0.3173% | 5,560 |
| Pretax return on assets | 0.4367% | 5,394 |
| Return on Equity (ROE) | 2.7614% | 5,595 |
| Retained earnings to average equity (ytd only) | 0.7032% | 5,518 |
| Net charge-offs to loans | -0.0246% | 6,181 |
| Credit loss provision to net charge-offs | 371.4286% | 619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2446% | 1,393 |
| Assets per employee ($millions) | 3.3568% | 5,181 |
| Cash dividends to net income (ytd only)* | 74.5342% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4117% | 6,629 |
| Loan loss allowance to noncurrent loans | 368.2540% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 5,430 |
| Noncurrent loans to loans | 0.1118% | 5,868 |
| Net loans and leases to total assets | 22.2896% | 6,631 |
| Net loans and leases to deposits | 25.4354% | 6,646 |
| Net loans and leases to core deposits | 25.7023% | 6,651 |
| Total domestic deposits to total assets | 87.6322% | 2,405 |
| Equity capital to assets | 11.5901% | 2,105 |
| Core capital (leverage) ratio | 11.3032% | 2,116 |
| Tier 1 risk-based capital ratio | 28.8771% | 562 |
| Total risk-based capital ratio | 29.1066% | 601 |
| Memoranda: | ||
| Average total assets | $253,726,800 | 2,496 |
| Average earning assets | $226,899,200 | 2,546 |
| Average equity | $29,152,400 | 2,304 |
| Average total loans | $56,795,200 | 4,719 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6661% | 6,636 |
| Cost of funding earning assets | 0.0676% | 6,822 |
| Net interest margin | 2.5985% | 6,317 |
| Noninterest income to average assets | 0.7416% | 2,408 |
| Noninterest expense to average assets | 2.6145% | 4,339 |
| Loan and lease loss provision to assets | -0.0215% | 6,492 |
| Net operating income to assets | 0.3367% | 5,479 |
| Return on assets (ROA) | 0.3367% | 5,607 |
| Pretax return on assets | 0.4663% | 5,456 |
| Return on Equity (ROE) | 2.9369% | 5,626 |
| Retained earnings to average equity (ytd only) | 0.8783% | 5,625 |
| Net charge-offs to loans | -0.0281% | 6,151 |
| Credit loss provision to net charge-offs | 341.6667% | 756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4620% | 1,418 |
| Assets per employee ($millions) | 3.3606% | 5,160 |
| Cash dividends to net income (ytd only)* | 70.0939% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4291% | 6,703 |
| Loan loss allowance to noncurrent loans | 188.2813% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 5,492 |
| Noncurrent loans to loans | 0.2279% | 5,662 |
| Net loans and leases to total assets | 21.3346% | 6,730 |
| Net loans and leases to deposits | 24.2444% | 6,750 |
| Net loans and leases to core deposits | 24.4896% | 6,753 |
| Total domestic deposits to total assets | 87.9984% | 2,131 |
| Equity capital to assets | 11.1005% | 2,664 |
| Core capital (leverage) ratio | 11.6611% | 1,907 |
| Tier 1 risk-based capital ratio | 28.8962% | 573 |
| Total risk-based capital ratio | 29.1348% | 631 |
| Memoranda: | ||
| Average total assets | $254,218,750 | 2,507 |
| Average earning assets | $226,743,500 | 2,558 |
| Average equity | $29,145,750 | 2,329 |
| Average total loans | $56,907,000 | 4,762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6402% | 6,684 |
| Cost of funding earning assets | 0.0702% | 6,870 |
| Net interest margin | 2.5700% | 6,364 |
| Noninterest income to average assets | 0.7568% | 2,383 |
| Noninterest expense to average assets | 2.6440% | 4,237 |
| Loan and lease loss provision to assets | -0.0207% | 6,597 |
| Net operating income to assets | 0.3148% | 5,546 |
| Return on assets (ROA) | 0.3148% | 5,698 |
| Pretax return on assets | 0.4325% | 5,570 |
| Return on Equity (ROE) | 2.7159% | 5,716 |
| Retained earnings to average equity (ytd only) | 0.6584% | 5,636 |
| Net charge-offs to loans | -0.0420% | 6,207 |
| Credit loss provision to net charge-offs | 216.6667% | 1,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5245% | 1,364 |
| Assets per employee ($millions) | 3.3596% | 5,150 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4596% | 6,734 |
| Loan loss allowance to noncurrent loans | 130.6122% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 5,429 |
| Noncurrent loans to loans | 0.3519% | 5,405 |
| Net loans and leases to total assets | 22.3000% | 6,758 |
| Net loans and leases to deposits | 25.5122% | 6,774 |
| Net loans and leases to core deposits | 25.7874% | 6,783 |
| Total domestic deposits to total assets | 87.4094% | 2,585 |
| Equity capital to assets | 11.7178% | 2,117 |
| Core capital (leverage) ratio | 11.7187% | 1,785 |
| Tier 1 risk-based capital ratio | 29.7597% | 534 |
| Total risk-based capital ratio | 30.0227% | 575 |
| Memoranda: | ||
| Average total assets | $251,584,000 | 2,540 |
| Average earning assets | $225,058,330 | 2,586 |
| Average equity | $29,162,000 | 2,329 |
| Average total loans | $57,154,670 | 4,777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6890% | 6,736 |
| Cost of funding earning assets | 0.0738% | 6,946 |
| Net interest margin | 2.6153% | 6,350 |
| Noninterest income to average assets | 0.7824% | 2,202 |
| Noninterest expense to average assets | 2.6918% | 4,101 |
| Loan and lease loss provision to assets | -0.0237% | 6,753 |
| Net operating income to assets | 0.3382% | 5,404 |
| Return on assets (ROA) | 0.3382% | 5,544 |
| Pretax return on assets | 0.4679% | 5,364 |
| Return on Equity (ROE) | 2.9338% | 5,607 |
| Retained earnings to average equity (ytd only) | 0.8774% | 5,495 |
| Net charge-offs to loans | -0.0415% | 6,048 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8367% | 1,536 |
| Assets per employee ($millions) | 3.4721% | 5,035 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4527% | 6,826 |
| Loan loss allowance to noncurrent loans | 85.2941% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 5,443 |
| Noncurrent loans to loans | 0.5307% | 5,113 |
| Net loans and leases to total assets | 22.3383% | 6,813 |
| Net loans and leases to deposits | 25.4284% | 6,837 |
| Net loans and leases to core deposits | 25.6923% | 6,841 |
| Total domestic deposits to total assets | 87.8479% | 2,416 |
| Equity capital to assets | 11.3589% | 2,570 |
| Core capital (leverage) ratio | 11.4190% | 1,931 |
| Tier 1 risk-based capital ratio | 28.7918% | 596 |
| Total risk-based capital ratio | 29.0505% | 638 |
| Memoranda: | ||
| Average total assets | $253,069,000 | 2,551 |
| Average earning assets | $227,740,000 | 2,587 |
| Average equity | $29,177,000 | 2,358 |
| Average total loans | $57,883,500 | 4,781 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 6,754 |
| Cost of funding earning assets | 0.0993% | 7,001 |
| Net interest margin | 2.9364% | 6,163 |
| Noninterest income to average assets | 0.8289% | 2,137 |
| Noninterest expense to average assets | 2.8649% | 3,789 |
| Loan and lease loss provision to assets | -0.1161% | 6,934 |
| Net operating income to assets | 0.5066% | 4,660 |
| Return on assets (ROA) | 0.5066% | 4,924 |
| Pretax return on assets | 0.7196% | 4,597 |
| Return on Equity (ROE) | 4.3455% | 5,001 |
| Retained earnings to average equity (ytd only) | 0.9103% | 5,415 |
| Net charge-offs to loans | -0.0347% | 6,637 |
| Credit loss provision to net charge-offs | 1,318.1818% | 195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6002% | 1,796 |
| Assets per employee ($millions) | 3.1545% | 5,729 |
| Cash dividends to net income (ytd only)* | 79.0514% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 6,859 |
| Loan loss allowance to noncurrent loans | 65.5340% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 5,368 |
| Noncurrent loans to loans | 0.7090% | 4,767 |
| Net loans and leases to total assets | 23.2104% | 6,873 |
| Net loans and leases to deposits | 26.5241% | 6,895 |
| Net loans and leases to core deposits | 26.8151% | 6,899 |
| Total domestic deposits to total assets | 87.5070% | 2,523 |
| Equity capital to assets | 11.7049% | 2,271 |
| Core capital (leverage) ratio | 11.4953% | 1,879 |
| Tier 1 risk-based capital ratio | 28.8430% | 567 |
| Total risk-based capital ratio | 29.1116% | 620 |
| Memoranda: | ||
| Average total assets | $249,715,000 | 2,535 |
| Average earning assets | $224,459,000 | 2,571 |
| Average equity | $29,110,600 | 2,311 |
| Average total loans | $63,423,600 | 4,584 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1065% | 6,848 |
| Cost of funding earning assets | 0.1042% | 7,109 |
| Net interest margin | 3.0023% | 6,164 |
| Noninterest income to average assets | 0.8325% | 2,108 |
| Noninterest expense to average assets | 2.8705% | 3,707 |
| Loan and lease loss provision to assets | -0.1462% | 7,070 |
| Net operating income to assets | 0.5582% | 4,582 |
| Return on assets (ROA) | 0.5582% | 4,840 |
| Pretax return on assets | 0.7978% | 4,490 |
| Return on Equity (ROE) | 4.7932% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.3564% | 5,631 |
| Net charge-offs to loans | -0.0329% | 6,597 |
| Credit loss provision to net charge-offs | 1,712.5000% | 158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5000% | 1,864 |
| Assets per employee ($millions) | 3.3495% | 5,323 |
| Cash dividends to net income (ytd only)* | 71.7022% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 6,969 |
| Loan loss allowance to noncurrent loans | 43.4985% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 5,196 |
| Noncurrent loans to loans | 1.0920% | 4,253 |
| Net loans and leases to total assets | 21.9716% | 7,000 |
| Net loans and leases to deposits | 24.9024% | 7,021 |
| Net loans and leases to core deposits | 25.1563% | 7,027 |
| Total domestic deposits to total assets | 88.2307% | 1,890 |
| Equity capital to assets | 10.8953% | 3,383 |
| Core capital (leverage) ratio | 11.6341% | 1,885 |
| Tier 1 risk-based capital ratio | 27.3304% | 713 |
| Total risk-based capital ratio | 27.5950% | 780 |
| Memoranda: | ||
| Average total assets | $249,843,000 | 2,560 |
| Average earning assets | $223,824,500 | 2,599 |
| Average equity | $29,096,000 | 2,329 |
| Average total loans | $64,751,750 | 4,596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2284% | 6,858 |
| Cost of funding earning assets | 0.1117% | 7,168 |
| Net interest margin | 3.1166% | 5,956 |
| Noninterest income to average assets | 0.8802% | 1,862 |
| Noninterest expense to average assets | 2.9540% | 3,427 |
| Loan and lease loss provision to assets | -0.0853% | 7,101 |
| Net operating income to assets | 0.5783% | 4,457 |
| Return on assets (ROA) | 0.5783% | 4,729 |
| Pretax return on assets | 0.8261% | 4,379 |
| Return on Equity (ROE) | 4.8515% | 4,873 |
| Retained earnings to average equity (ytd only) | 1.4107% | 5,490 |
| Net charge-offs to loans | -0.0270% | 6,500 |
| Credit loss provision to net charge-offs | 1,155.5556% | 284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9512% | 2,189 |
| Assets per employee ($millions) | 3.1752% | 5,703 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 6,809 |
| Loan loss allowance to noncurrent loans | 41.7531% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 4,534 |
| Noncurrent loans to loans | 1.7123% | 3,323 |
| Net loans and leases to total assets | 25.1629% | 7,002 |
| Net loans and leases to deposits | 28.8522% | 7,026 |
| Net loans and leases to core deposits | 29.1784% | 7,040 |
| Total domestic deposits to total assets | 87.2132% | 2,644 |
| Equity capital to assets | 11.9123% | 2,210 |
| Core capital (leverage) ratio | 11.8556% | 1,678 |
| Tier 1 risk-based capital ratio | 27.8980% | 646 |
| Total risk-based capital ratio | 28.3253% | 707 |
| Memoranda: | ||
| Average total assets | $243,804,000 | 2,616 |
| Average earning assets | $220,173,330 | 2,645 |
| Average equity | $29,063,000 | 2,318 |
| Average total loans | $66,617,000 | 4,537 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3417% | 6,864 |
| Cost of funding earning assets | 0.1258% | 7,220 |
| Net interest margin | 3.2159% | 5,743 |
| Noninterest income to average assets | 0.9020% | 1,738 |
| Noninterest expense to average assets | 2.9738% | 3,367 |
| Loan and lease loss provision to assets | -0.1002% | 7,178 |
| Net operating income to assets | 0.6457% | 4,136 |
| Return on assets (ROA) | 0.6457% | 4,347 |
| Pretax return on assets | 0.9266% | 3,941 |
| Return on Equity (ROE) | 5.4146% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.9702% | 5,279 |
| Net charge-offs to loans | -0.0290% | 6,330 |
| Credit loss provision to net charge-offs | 1,220.0000% | 290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2534% | 2,460 |
| Assets per employee ($millions) | 3.1660% | 5,838 |
| Cash dividends to net income (ytd only)* | 63.6132% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7213% | 6,853 |
| Loan loss allowance to noncurrent loans | 28.2291% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 4,017 |
| Noncurrent loans to loans | 2.5551% | 2,552 |
| Net loans and leases to total assets | 26.5800% | 7,019 |
| Net loans and leases to deposits | 30.3720% | 7,047 |
| Net loans and leases to core deposits | 30.7062% | 7,064 |
| Total domestic deposits to total assets | 87.5146% | 2,642 |
| Equity capital to assets | 11.6206% | 2,331 |
| Core capital (leverage) ratio | 11.8261% | 1,693 |
| Tier 1 risk-based capital ratio | 26.3580% | 776 |
| Total risk-based capital ratio | 26.7992% | 827 |
| Memoranda: | ||
| Average total assets | $243,462,500 | 2,626 |
| Average earning assets | $219,408,000 | 2,657 |
| Average equity | $29,032,500 | 2,319 |
| Average total loans | $68,944,000 | 4,481 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 6,629 |
| Cost of funding earning assets | 0.1823% | 7,254 |
| Net interest margin | 3.7074% | 4,266 |
| Noninterest income to average assets | 0.9191% | 1,608 |
| Noninterest expense to average assets | 3.0807% | 3,267 |
| Loan and lease loss provision to assets | -0.1035% | 7,278 |
| Net operating income to assets | 0.8307% | 2,910 |
| Return on assets (ROA) | 0.8307% | 3,067 |
| Pretax return on assets | 1.2140% | 2,405 |
| Return on Equity (ROE) | 6.8472% | 3,468 |
| Retained earnings to average equity (ytd only) | 1.6678% | 5,019 |
| Net charge-offs to loans | 0.0739% | 5,583 |
| Credit loss provision to net charge-offs | -425.8621% | 6,805 |
| Earnings coverage of net charge-offs (x) | 45.7069% | 603 |
| Efficiency ratio | 73.5032% | 3,305 |
| Assets per employee ($millions) | 2.8879% | 6,304 |
| Cash dividends to net income (ytd only)* | 75.6430% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 6,822 |
| Loan loss allowance to noncurrent loans | 29.6317% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 3,865 |
| Noncurrent loans to loans | 2.5647% | 2,559 |
| Net loans and leases to total assets | 29.7224% | 7,020 |
| Net loans and leases to deposits | 34.1708% | 7,038 |
| Net loans and leases to core deposits | 34.6466% | 7,066 |
| Total domestic deposits to total assets | 86.9819% | 2,772 |
| Equity capital to assets | 12.2462% | 1,939 |
| Core capital (leverage) ratio | 11.9759% | 1,610 |
| Tier 1 risk-based capital ratio | 26.2598% | 756 |
| Total risk-based capital ratio | 26.7527% | 801 |
| Memoranda: | ||
| Average total assets | $238,713,400 | 2,648 |
| Average earning assets | $210,689,000 | 2,721 |
| Average equity | $28,960,800 | 2,275 |
| Average total loans | $78,500,800 | 4,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 6,679 |
| Cost of funding earning assets | 0.1894% | 7,337 |
| Net interest margin | 3.7466% | 4,123 |
| Noninterest income to average assets | 0.9008% | 1,652 |
| Noninterest expense to average assets | 3.0575% | 3,324 |
| Loan and lease loss provision to assets | -0.1310% | 7,366 |
| Net operating income to assets | 0.8685% | 2,868 |
| Return on assets (ROA) | 0.8685% | 3,013 |
| Pretax return on assets | 1.2720% | 2,393 |
| Return on Equity (ROE) | 7.1752% | 3,440 |
| Retained earnings to average equity (ytd only) | 1.9941% | 5,139 |
| Net charge-offs to loans | 0.0912% | 5,056 |
| Credit loss provision to net charge-offs | -427.2727% | 6,651 |
| Earnings coverage of net charge-offs (x) | 37.2190% | 810 |
| Efficiency ratio | 72.8226% | 3,396 |
| Assets per employee ($millions) | 3.0482% | 6,013 |
| Cash dividends to net income (ytd only)* | 72.2079% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 6,907 |
| Loan loss allowance to noncurrent loans | 26.4720% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 3,676 |
| Noncurrent loans to loans | 2.8047% | 2,480 |
| Net loans and leases to total assets | 29.5772% | 7,100 |
| Net loans and leases to deposits | 33.8483% | 7,135 |
| Net loans and leases to core deposits | 34.2811% | 7,158 |
| Total domestic deposits to total assets | 87.3816% | 2,416 |
| Equity capital to assets | 11.6226% | 2,564 |
| Core capital (leverage) ratio | 12.0314% | 1,689 |
| Tier 1 risk-based capital ratio | 24.9055% | 923 |
| Total risk-based capital ratio | 25.3859% | 983 |
| Memoranda: | ||
| Average total assets | $239,189,750 | 2,657 |
| Average earning assets | $210,532,750 | 2,730 |
| Average equity | $28,951,000 | 2,272 |
| Average total loans | $80,395,000 | 4,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 6,569 |
| Cost of funding earning assets | 0.2044% | 7,410 |
| Net interest margin | 3.8474% | 3,549 |
| Noninterest income to average assets | 0.9066% | 1,629 |
| Noninterest expense to average assets | 3.1171% | 3,186 |
| Loan and lease loss provision to assets | -0.2029% | 7,450 |
| Net operating income to assets | 0.9287% | 2,519 |
| Return on assets (ROA) | 0.9287% | 2,627 |
| Pretax return on assets | 1.3633% | 1,906 |
| Return on Equity (ROE) | 7.5663% | 3,163 |
| Retained earnings to average equity (ytd only) | 2.3792% | 4,777 |
| Net charge-offs to loans | 0.1433% | 4,340 |
| Credit loss provision to net charge-offs | -405.0847% | 6,472 |
| Earnings coverage of net charge-offs (x) | 23.1695% | 1,095 |
| Efficiency ratio | 72.8716% | 3,570 |
| Assets per employee ($millions) | 2.8597% | 6,366 |
| Cash dividends to net income (ytd only)* | 68.5558% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7032% | 7,016 |
| Loan loss allowance to noncurrent loans | 10.9636% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 2,413 |
| Noncurrent loans to loans | 6.4137% | 882 |
| Net loans and leases to total assets | 32.4240% | 7,101 |
| Net loans and leases to deposits | 37.2902% | 7,142 |
| Net loans and leases to core deposits | 37.7482% | 7,179 |
| Total domestic deposits to total assets | 86.9505% | 2,768 |
| Equity capital to assets | 12.2229% | 1,951 |
| Core capital (leverage) ratio | 12.2051% | 1,502 |
| Tier 1 risk-based capital ratio | 24.7686% | 924 |
| Total risk-based capital ratio | 25.2409% | 992 |
| Memoranda: | ||
| Average total assets | $235,602,000 | 2,699 |
| Average earning assets | $206,426,000 | 2,802 |
| Average equity | $28,917,670 | 2,248 |
| Average total loans | $82,366,000 | 4,146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 6,429 |
| Cost of funding earning assets | 0.2132% | 7,468 |
| Net interest margin | 3.9223% | 3,034 |
| Noninterest income to average assets | 0.9441% | 1,495 |
| Noninterest expense to average assets | 3.1578% | 3,035 |
| Loan and lease loss provision to assets | -0.4073% | 7,530 |
| Net operating income to assets | 1.1128% | 1,796 |
| Return on assets (ROA) | 1.1128% | 1,849 |
| Pretax return on assets | 1.6428% | 1,095 |
| Return on Equity (ROE) | 9.0473% | 2,457 |
| Retained earnings to average equity (ytd only) | 3.8517% | 3,864 |
| Net charge-offs to loans | -0.0142% | 6,457 |
| Credit loss provision to net charge-offs | 7,966.6667% | 35 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8774% | 3,893 |
| Assets per employee ($millions) | 2.8548% | 6,436 |
| Cash dividends to net income (ytd only)* | 57.4273% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 7,038 |
| Loan loss allowance to noncurrent loans | 22.8281% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 3,611 |
| Noncurrent loans to loans | 3.2005% | 2,341 |
| Net loans and leases to total assets | 33.9876% | 7,093 |
| Net loans and leases to deposits | 39.0019% | 7,132 |
| Net loans and leases to core deposits | 39.4155% | 7,180 |
| Total domestic deposits to total assets | 87.1434% | 2,859 |
| Equity capital to assets | 11.9458% | 1,952 |
| Core capital (leverage) ratio | 12.2248% | 1,447 |
| Tier 1 risk-based capital ratio | 24.2147% | 954 |
| Total risk-based capital ratio | 24.7302% | 1,012 |
| Memoranda: | ||
| Average total assets | $234,724,000 | 2,729 |
| Average earning assets | $206,407,500 | 2,825 |
| Average equity | $28,870,500 | 2,240 |
| Average total loans | $84,796,000 | 4,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 6,444 |
| Cost of funding earning assets | 0.3065% | 7,500 |
| Net interest margin | 4.1735% | 2,285 |
| Noninterest income to average assets | 1.0313% | 1,411 |
| Noninterest expense to average assets | 3.2544% | 2,902 |
| Loan and lease loss provision to assets | 0.0816% | 6,331 |
| Net operating income to assets | 0.9155% | 2,331 |
| Return on assets (ROA) | 0.9155% | 2,458 |
| Pretax return on assets | 1.3349% | 1,845 |
| Return on Equity (ROE) | 7.5249% | 2,887 |
| Retained earnings to average equity (ytd only) | 2.2603% | 4,300 |
| Net charge-offs to loans | -0.0531% | 7,454 |
| Credit loss provision to net charge-offs | -389.7959% | 7,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6745% | 4,246 |
| Assets per employee ($millions) | 2.5771% | 6,889 |
| Cash dividends to net income (ytd only)* | 69.9627% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,475 |
| Loan loss allowance to noncurrent loans | 33.0070% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8520% | 3,554 |
| Noncurrent loans to loans | 2.9523% | 2,588 |
| Net loans and leases to total assets | 37.7744% | 7,080 |
| Net loans and leases to deposits | 43.6947% | 7,129 |
| Net loans and leases to core deposits | 46.2096% | 7,135 |
| Total domestic deposits to total assets | 86.4507% | 3,103 |
| Equity capital to assets | 12.6785% | 1,541 |
| Core capital (leverage) ratio | 12.0656% | 1,502 |
| Tier 1 risk-based capital ratio | 19.6810% | 1,559 |
| Total risk-based capital ratio | 20.2686% | 1,684 |
| Memoranda: | ||
| Average total assets | $234,177,200 | 2,701 |
| Average earning assets | $204,218,600 | 2,815 |
| Average equity | $28,492,200 | 2,285 |
| Average total loans | $92,253,400 | 4,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 6,475 |
| Cost of funding earning assets | 0.3206% | 7,624 |
| Net interest margin | 4.2259% | 2,121 |
| Noninterest income to average assets | 1.0270% | 1,388 |
| Noninterest expense to average assets | 3.2617% | 2,699 |
| Loan and lease loss provision to assets | 0.1141% | 5,891 |
| Net operating income to assets | 0.9067% | 2,578 |
| Return on assets (ROA) | 0.9067% | 2,727 |
| Pretax return on assets | 1.3224% | 2,116 |
| Return on Equity (ROE) | 7.5279% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.2513% | 4,814 |
| Net charge-offs to loans | -0.0598% | 7,489 |
| Credit loss provision to net charge-offs | -480.9524% | 7,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4241% | 4,185 |
| Assets per employee ($millions) | 2.9353% | 6,299 |
| Cash dividends to net income (ytd only)* | 70.0932% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 6,653 |
| Loan loss allowance to noncurrent loans | 172.1545% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 5,218 |
| Noncurrent loans to loans | 0.5387% | 6,129 |
| Net loans and leases to total assets | 36.7004% | 7,234 |
| Net loans and leases to deposits | 41.9579% | 7,304 |
| Net loans and leases to core deposits | 44.2129% | 7,312 |
| Total domestic deposits to total assets | 87.4695% | 2,280 |
| Equity capital to assets | 11.6463% | 2,412 |
| Core capital (leverage) ratio | 12.0333% | 1,649 |
| Tier 1 risk-based capital ratio | 22.3901% | 1,150 |
| Total risk-based capital ratio | 23.0656% | 1,209 |
| Memoranda: | ||
| Average total assets | $236,025,000 | 2,715 |
| Average earning assets | $205,048,750 | 2,854 |
| Average equity | $28,427,000 | 2,316 |
| Average total loans | $93,689,250 | 4,029 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 6,323 |
| Cost of funding earning assets | 0.3319% | 7,694 |
| Net interest margin | 4.3150% | 1,719 |
| Noninterest income to average assets | 1.0288% | 1,287 |
| Noninterest expense to average assets | 3.3530% | 2,400 |
| Loan and lease loss provision to assets | 0.2159% | 4,733 |
| Net operating income to assets | 0.8301% | 2,824 |
| Return on assets (ROA) | 0.8301% | 2,976 |
| Pretax return on assets | 1.2060% | 2,394 |
| Return on Equity (ROE) | 6.8124% | 3,389 |
| Retained earnings to average equity (ytd only) | 1.5178% | 5,111 |
| Net charge-offs to loans | -0.0445% | 7,430 |
| Credit loss provision to net charge-offs | -1,195.2381% | 6,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2216% | 4,147 |
| Assets per employee ($millions) | 2.6952% | 6,790 |
| Cash dividends to net income (ytd only)* | 77.7202% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 6,614 |
| Loan loss allowance to noncurrent loans | 184.2105% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 5,173 |
| Noncurrent loans to loans | 0.5126% | 6,227 |
| Net loans and leases to total assets | 39.1478% | 7,213 |
| Net loans and leases to deposits | 44.9324% | 7,290 |
| Net loans and leases to core deposits | 47.6123% | 7,298 |
| Total domestic deposits to total assets | 87.1261% | 2,469 |
| Equity capital to assets | 12.1079% | 2,038 |
| Core capital (leverage) ratio | 12.1307% | 1,578 |
| Tier 1 risk-based capital ratio | 22.3911% | 1,144 |
| Total risk-based capital ratio | 23.0956% | 1,202 |
| Memoranda: | ||
| Average total assets | $232,511,000 | 2,773 |
| Average earning assets | $201,852,670 | 2,922 |
| Average equity | $28,330,670 | 2,314 |
| Average total loans | $94,473,000 | 4,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 6,150 |
| Cost of funding earning assets | 0.3472% | 7,793 |
| Net interest margin | 4.3782% | 1,449 |
| Noninterest income to average assets | 1.0902% | 1,063 |
| Noninterest expense to average assets | 3.3500% | 2,373 |
| Loan and lease loss provision to assets | -0.0069% | 7,833 |
| Net operating income to assets | 1.0487% | 2,006 |
| Return on assets (ROA) | 1.0487% | 2,067 |
| Pretax return on assets | 1.5376% | 1,426 |
| Return on Equity (ROE) | 8.5794% | 2,636 |
| Retained earnings to average equity (ytd only) | 3.2791% | 4,177 |
| Net charge-offs to loans | -0.0126% | 6,947 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6372% | 4,594 |
| Assets per employee ($millions) | 2.5872% | 7,065 |
| Cash dividends to net income (ytd only)* | 61.7792% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 7,441 |
| Loan loss allowance to noncurrent loans | 109.4545% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,827 |
| Noncurrent loans to loans | 0.5865% | 6,134 |
| Net loans and leases to total assets | 40.4619% | 7,222 |
| Net loans and leases to deposits | 46.6257% | 7,300 |
| Net loans and leases to core deposits | 49.4714% | 7,304 |
| Total domestic deposits to total assets | 86.7802% | 2,746 |
| Equity capital to assets | 12.3334% | 1,853 |
| Core capital (leverage) ratio | 12.1626% | 1,563 |
| Tier 1 risk-based capital ratio | 22.5343% | 1,145 |
| Total risk-based capital ratio | 23.0219% | 1,220 |
| Memoranda: | ||
| Average total assets | $231,525,000 | 2,860 |
| Average earning assets | $200,448,000 | 2,991 |
| Average equity | $28,300,500 | 2,350 |
| Average total loans | $95,374,500 | 4,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 6,907 |
| Cost of funding earning assets | 0.5368% | 7,814 |
| Net interest margin | 4.2836% | 1,770 |
| Noninterest income to average assets | 1.1731% | 1,115 |
| Noninterest expense to average assets | 3.5827% | 2,192 |
| Loan and lease loss provision to assets | 0.0217% | 7,288 |
| Net operating income to assets | 0.8885% | 2,219 |
| Return on assets (ROA) | 0.8885% | 2,288 |
| Pretax return on assets | 1.2998% | 1,698 |
| Return on Equity (ROE) | 7.9049% | 2,412 |
| Retained earnings to average equity (ytd only) | 7.9049% | 729 |
| Net charge-offs to loans | 0.1229% | 5,956 |
| Credit loss provision to net charge-offs | 40.9449% | 6,822 |
| Earnings coverage of net charge-offs (x) | 24.9685% | 892 |
| Efficiency ratio | 73.0540% | 4,082 |
| Assets per employee ($millions) | 2.5581% | 7,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6218% | 7,526 |
| Loan loss allowance to noncurrent loans | 116.8605% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 4,716 |
| Noncurrent loans to loans | 0.5321% | 6,190 |
| Net loans and leases to total assets | 41.4006% | 7,281 |
| Net loans and leases to deposits | 47.5126% | 7,374 |
| Net loans and leases to core deposits | 53.8140% | 7,474 |
| Total domestic deposits to total assets | 87.1360% | 2,420 |
| Equity capital to assets | 12.1148% | 1,968 |
| Core capital (leverage) ratio | 11.8731% | 1,724 |
| Tier 1 risk-based capital ratio | 21.5937% | 1,203 |
| Total risk-based capital ratio | 22.0656% | 1,291 |
| Memoranda: | ||
| Average total assets | $239,958,000 | 2,720 |
| Average earning assets | $209,005,600 | 2,847 |
| Average equity | $26,970,600 | 2,454 |
| Average total loans | $103,363,600 | 3,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 7,048 |
| Cost of funding earning assets | 0.5783% | 7,897 |
| Net interest margin | 4.2525% | 1,864 |
| Noninterest income to average assets | 1.1069% | 1,288 |
| Noninterest expense to average assets | 3.6952% | 1,830 |
| Loan and lease loss provision to assets | 0.0309% | 7,044 |
| Net operating income to assets | 0.7501% | 3,025 |
| Return on assets (ROA) | 0.7501% | 3,082 |
| Pretax return on assets | 1.0876% | 2,618 |
| Return on Equity (ROE) | 6.8008% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.8008% | 1,590 |
| Net charge-offs to loans | 0.1105% | 5,575 |
| Credit loss provision to net charge-offs | 64.3678% | 6,096 |
| Earnings coverage of net charge-offs (x) | 23.3097% | 1,124 |
| Efficiency ratio | 76.7644% | 3,365 |
| Assets per employee ($millions) | 2.6218% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 7,482 |
| Loan loss allowance to noncurrent loans | 96.5672% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 4,415 |
| Noncurrent loans to loans | 0.6756% | 5,950 |
| Net loans and leases to total assets | 41.7514% | 7,381 |
| Net loans and leases to deposits | 47.7325% | 7,505 |
| Net loans and leases to core deposits | 53.9198% | 7,595 |
| Total domestic deposits to total assets | 87.4694% | 1,905 |
| Equity capital to assets | 11.6076% | 2,500 |
| Core capital (leverage) ratio | 11.2346% | 2,236 |
| Tier 1 risk-based capital ratio | 20.7835% | 1,398 |
| Total risk-based capital ratio | 21.2849% | 1,499 |
| Memoranda: | ||
| Average total assets | $241,750,250 | 2,718 |
| Average earning assets | $210,724,500 | 2,845 |
| Average equity | $26,662,750 | 2,494 |
| Average total loans | $104,959,750 | 3,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 7,211 |
| Cost of funding earning assets | 0.6143% | 7,979 |
| Net interest margin | 4.1939% | 2,023 |
| Noninterest income to average assets | 1.1982% | 1,090 |
| Noninterest expense to average assets | 3.4273% | 2,544 |
| Loan and lease loss provision to assets | 0.1001% | 6,171 |
| Net operating income to assets | 0.8762% | 2,555 |
| Return on assets (ROA) | 0.8762% | 2,659 |
| Pretax return on assets | 1.2756% | 2,095 |
| Return on Equity (ROE) | 7.7314% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.7314% | 1,300 |
| Net charge-offs to loans | 0.1560% | 4,636 |
| Credit loss provision to net charge-offs | 176.0000% | 2,605 |
| Earnings coverage of net charge-offs (x) | 24.1800% | 1,160 |
| Efficiency ratio | 71.3575% | 4,532 |
| Assets per employee ($millions) | 2.4500% | 7,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 7,673 |
| Loan loss allowance to noncurrent loans | 276.8657% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 5,687 |
| Noncurrent loans to loans | 0.2088% | 6,991 |
| Net loans and leases to total assets | 36.1703% | 7,700 |
| Net loans and leases to deposits | 41.2829% | 7,781 |
| Net loans and leases to core deposits | 44.9314% | 7,859 |
| Total domestic deposits to total assets | 87.6156% | 1,963 |
| Equity capital to assets | 11.4938% | 2,545 |
| Core capital (leverage) ratio | 11.5033% | 2,084 |
| Tier 1 risk-based capital ratio | 22.0851% | 1,242 |
| Total risk-based capital ratio | 22.4991% | 1,324 |
| Memoranda: | ||
| Average total assets | $175,765,330 | 3,544 |
| Average earning assets | $151,076,670 | 3,723 |
| Average equity | $19,918,670 | 3,255 |
| Average total loans | $64,118,330 | 5,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 7,330 |
| Cost of funding earning assets | 0.6308% | 8,034 |
| Net interest margin | 4.1949% | 1,918 |
| Noninterest income to average assets | 1.1924% | 1,020 |
| Noninterest expense to average assets | 3.2602% | 2,765 |
| Loan and lease loss provision to assets | 0.0547% | 6,279 |
| Net operating income to assets | 1.0054% | 2,290 |
| Return on assets (ROA) | 1.0054% | 2,427 |
| Pretax return on assets | 1.4705% | 1,754 |
| Return on Equity (ROE) | 8.9359% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.9359% | 1,505 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1277% | 4,941 |
| Assets per employee ($millions) | 2.4397% | 7,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 7,753 |
| Loan loss allowance to noncurrent loans | 33.1476% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 5,387 |
| Noncurrent loans to loans | 1.6592% | 3,785 |
| Net loans and leases to total assets | 36.2448% | 7,722 |
| Net loans and leases to deposits | 41.2386% | 7,804 |
| Net loans and leases to core deposits | 44.8462% | 7,891 |
| Total domestic deposits to total assets | 87.8905% | 1,795 |
| Equity capital to assets | 11.1836% | 2,824 |
| Core capital (leverage) ratio | 11.5204% | 2,132 |
| Tier 1 risk-based capital ratio | 21.8619% | 1,316 |
| Total risk-based capital ratio | 22.2629% | 1,421 |
| Memoranda: | ||
| Average total assets | $175,448,500 | 3,569 |
| Average earning assets | $150,278,000 | 3,747 |
| Average equity | $19,740,500 | 3,296 |
| Average total loans | $64,090,000 | 5,202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 7,318 |
| Cost of funding earning assets | 1.0667% | 8,024 |
| Net interest margin | 4.4262% | 1,609 |
| Noninterest income to average assets | 1.2495% | 947 |
| Noninterest expense to average assets | 3.1931% | 3,364 |
| Loan and lease loss provision to assets | 0.0058% | 7,288 |
| Net operating income to assets | 1.2685% | 1,573 |
| Return on assets (ROA) | 1.2685% | 1,520 |
| Pretax return on assets | 1.8837% | 791 |
| Return on Equity (ROE) | 11.4179% | 1,785 |
| Retained earnings to average equity (ytd only) | 1.0568% | 4,589 |
| Net charge-offs to loans | 0.1166% | 5,098 |
| Credit loss provision to net charge-offs | 13.3333% | 6,606 |
| Earnings coverage of net charge-offs (x) | 43.7733% | 839 |
| Efficiency ratio | 62.8241% | 5,812 |
| Assets per employee ($millions) | 2.4338% | 7,339 |
| Cash dividends to net income (ytd only)* | 90.7441% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5263% | 7,807 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 7,065 |
| Noncurrent loans to loans | 0.3556% | 6,306 |
| Net loans and leases to total assets | 36.4231% | 7,816 |
| Net loans and leases to deposits | 41.4431% | 7,910 |
| Net loans and leases to core deposits | 44.5396% | 7,990 |
| Total domestic deposits to total assets | 87.8869% | 1,521 |
| Equity capital to assets | 11.3214% | 2,780 |
| Core capital (leverage) ratio | 11.3924% | 2,317 |
| Tier 1 risk-based capital ratio | 21.0601% | 1,451 |
| Total risk-based capital ratio | 21.4288% | 1,556 |
| Memoranda: | ||
| Average total assets | $173,750,800 | 3,496 |
| Average earning assets | $150,466,600 | 3,649 |
| Average equity | $19,303,000 | 3,346 |
| Average total loans | $64,332,200 | 5,085 |