Home > Guaranty Bank > Performance and Condition Ratios
Guaranty Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 885 |
| Cost of funding earning assets | 2.7886% | 215 |
| Net interest margin | 2.9557% | 3,384 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.2042% | 3,119 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1487% | 1,787 |
| Return on assets (ROA) | 1.1487% | 1,759 |
| Pretax return on assets | 1.1519% | 2,254 |
| Return on Equity (ROE) | 7.4600% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4575% | 1,731 |
| Net charge-offs to loans | 0.0181% | 1,999 |
| Credit loss provision to net charge-offs | -453.8710% | 4,535 |
| Earnings coverage of net charge-offs (x) | 83.8419% | 993 |
| Efficiency ratio | 62.4295% | 2,792 |
| Assets per employee ($millions) | 10.8556% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,399 |
| Loan loss allowance to noncurrent loans | 272.6058% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 1,529 |
| Noncurrent loans to loans | 0.4332% | 1,701 |
| Net loans and leases to total assets | 76.3800% | 1,070 |
| Net loans and leases to deposits | 98.4777% | 618 |
| Net loans and leases to core deposits | 127.5782% | 447 |
| Total domestic deposits to total assets | 77.5600% | 3,780 |
| Equity capital to assets | 15.5945% | 500 |
| Core capital (leverage) ratio | 11.4138% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6804% | 2,347 |
| Memoranda: | ||
| Average total assets | $2,200,790,000 | 517 |
| Average earning assets | $1,917,219,200 | 545 |
| Average equity | $339,003,000 | 357 |
| Average total loans | $1,715,332,800 | 462 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 894 |
| Cost of funding earning assets | 2.6121% | 235 |
| Net interest margin | 3.0017% | 3,342 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.1685% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0602% | 2,182 |
| Return on assets (ROA) | 1.0602% | 2,169 |
| Pretax return on assets | 1.0835% | 2,616 |
| Return on Equity (ROE) | 6.9100% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.9054% | 2,326 |
| Net charge-offs to loans | 0.0201% | 1,716 |
| Credit loss provision to net charge-offs | -429.5720% | 4,566 |
| Earnings coverage of net charge-offs (x) | 68.9533% | 1,122 |
| Efficiency ratio | 63.8643% | 2,505 |
| Assets per employee ($millions) | 10.7881% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,331 |
| Loan loss allowance to noncurrent loans | 236.1540% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 1,430 |
| Noncurrent loans to loans | 0.5102% | 1,543 |
| Net loans and leases to total assets | 77.1000% | 983 |
| Net loans and leases to deposits | 100.4039% | 493 |
| Net loans and leases to core deposits | 112.8561% | 771 |
| Total domestic deposits to total assets | 76.7900% | 3,950 |
| Equity capital to assets | 15.1347% | 522 |
| Core capital (leverage) ratio | 11.2241% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5324% | 2,437 |
| Memoranda: | ||
| Average total assets | $2,181,066,500 | 524 |
| Average earning assets | $1,897,409,500 | 550 |
| Average equity | $334,877,250 | 362 |
| Average total loans | $1,703,659,250 | 464 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 913 |
| Cost of funding earning assets | 2.3561% | 246 |
| Net interest margin | 3.0839% | 3,260 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.1461% | 3,230 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.9762% | 2,501 |
| Return on assets (ROA) | 0.9762% | 2,489 |
| Pretax return on assets | 1.0165% | 2,869 |
| Return on Equity (ROE) | 6.3300% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.3264% | 2,505 |
| Net charge-offs to loans | 0.0312% | 1,264 |
| Credit loss provision to net charge-offs | -527.3764% | 4,598 |
| Earnings coverage of net charge-offs (x) | 40.4335% | 1,395 |
| Efficiency ratio | 65.5961% | 2,305 |
| Assets per employee ($millions) | 10.2407% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,344 |
| Loan loss allowance to noncurrent loans | 519.6545% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,280 |
| Noncurrent loans to loans | 0.2349% | 2,321 |
| Net loans and leases to total assets | 76.9900% | 944 |
| Net loans and leases to deposits | 101.5704% | 451 |
| Net loans and leases to core deposits | 109.8220% | 834 |
| Total domestic deposits to total assets | 75.8000% | 4,064 |
| Equity capital to assets | 15.5098% | 477 |
| Core capital (leverage) ratio | 11.2554% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5807% | 2,443 |
| Memoranda: | ||
| Average total assets | $2,160,115,667 | 514 |
| Average earning assets | $1,878,998,667 | 545 |
| Average equity | $333,299,667 | 356 |
| Average total loans | $1,687,854,667 | 454 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 725 |
| Cost of funding earning assets | 2.1128% | 228 |
| Net interest margin | 3.2837% | 2,921 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.1750% | 3,170 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0023% | 2,515 |
| Return on assets (ROA) | 1.0023% | 2,488 |
| Pretax return on assets | 1.0650% | 2,815 |
| Return on Equity (ROE) | 6.5100% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.5128% | 2,641 |
| Net charge-offs to loans | 0.0654% | 743 |
| Credit loss provision to net charge-offs | -250.1818% | 4,613 |
| Earnings coverage of net charge-offs (x) | 22.0727% | 1,427 |
| Efficiency ratio | 63.0026% | 2,567 |
| Assets per employee ($millions) | 10.8053% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,061 |
| Loan loss allowance to noncurrent loans | 490.6208% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 2,104 |
| Noncurrent loans to loans | 0.2637% | 2,202 |
| Net loans and leases to total assets | 77.4100% | 828 |
| Net loans and leases to deposits | 100.9609% | 402 |
| Net loans and leases to core deposits | 111.9521% | 642 |
| Total domestic deposits to total assets | 76.6700% | 4,108 |
| Equity capital to assets | 15.5741% | 432 |
| Core capital (leverage) ratio | 11.0220% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4058% | 2,600 |
| Memoranda: | ||
| Average total assets | $2,149,534,000 | 528 |
| Average earning assets | $1,872,389,500 | 559 |
| Average equity | $330,793,500 | 369 |
| Average total loans | $1,681,765,000 | 457 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 145 |
| Cost of funding earning assets | 1.0872% | 118 |
| Net interest margin | 4.4613% | 315 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.0727% | 3,378 |
| Loan and lease loss provision to assets | 0.5800% | 96 |
| Net operating income to assets | 1.4926% | 896 |
| Return on assets (ROA) | 1.4926% | 863 |
| Pretax return on assets | 1.8056% | 724 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 9.8356% | 1,210 |
| Net charge-offs to loans | 0.0858% | 808 |
| Credit loss provision to net charge-offs | 820.7117% | 487 |
| Earnings coverage of net charge-offs (x) | 35.4836% | 1,576 |
| Efficiency ratio | 44.0367% | 4,428 |
| Assets per employee ($millions) | 10.5334% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,598 |
| Loan loss allowance to noncurrent loans | 484.4599% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,051 |
| Noncurrent loans to loans | 0.2831% | 2,136 |
| Net loans and leases to total assets | 76.9800% | 897 |
| Net loans and leases to deposits | 104.2043% | 291 |
| Net loans and leases to core deposits | 111.2436% | 571 |
| Total domestic deposits to total assets | 73.8800% | 4,361 |
| Equity capital to assets | 15.2040% | 454 |
| Core capital (leverage) ratio | 10.9011% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2392% | 2,664 |
| Memoranda: | ||
| Average total assets | $1,627,323,800 | 667 |
| Average earning assets | $1,428,588,000 | 677 |
| Average equity | $246,950,400 | 447 |
| Average total loans | $1,277,734,400 | 548 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 178 |
| Cost of funding earning assets | 0.7938% | 158 |
| Net interest margin | 4.3297% | 322 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.1033% | 3,198 |
| Loan and lease loss provision to assets | 0.8800% | 50 |
| Net operating income to assets | 1.1870% | 1,748 |
| Return on assets (ROA) | 1.1870% | 1,723 |
| Pretax return on assets | 1.3966% | 1,731 |
| Return on Equity (ROE) | 7.8300% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.8273% | 2,069 |
| Net charge-offs to loans | 0.0847% | 708 |
| Credit loss provision to net charge-offs | 1,215.9091% | 359 |
| Earnings coverage of net charge-offs (x) | 34.1939% | 1,456 |
| Efficiency ratio | 45.4871% | 4,403 |
| Assets per employee ($millions) | 10.3306% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,539 |
| Loan loss allowance to noncurrent loans | 381.1962% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 1,751 |
| Noncurrent loans to loans | 0.3731% | 1,895 |
| Net loans and leases to total assets | 77.1500% | 788 |
| Net loans and leases to deposits | 99.6150% | 377 |
| Net loans and leases to core deposits | 105.1829% | 608 |
| Total domestic deposits to total assets | 77.4500% | 4,295 |
| Equity capital to assets | 14.8201% | 470 |
| Core capital (leverage) ratio | 10.5579% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8399% | 2,863 |
| Memoranda: | ||
| Average total assets | $1,496,952,750 | 705 |
| Average earning assets | $1,317,663,500 | 735 |
| Average equity | $227,012,000 | 476 |
| Average total loans | $1,177,857,000 | 589 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 221 |
| Cost of funding earning assets | 0.5203% | 461 |
| Net interest margin | 4.2891% | 278 |
| Noninterest income to average assets | 0.6050% | 1,719 |
| Noninterest expense to average assets | 2.1620% | 2,966 |
| Loan and lease loss provision to assets | 1.5691% | 25 |
| Net operating income to assets | 0.6386% | 3,511 |
| Return on assets (ROA) | 0.6386% | 3,462 |
| Pretax return on assets | 0.6765% | 3,640 |
| Return on Equity (ROE) | 4.1597% | 3,996 |
| Retained earnings to average equity (ytd only) | 4.1597% | 3,027 |
| Net charge-offs to loans | 0.0378% | 1,005 |
| Credit loss provision to net charge-offs | 4,865.2850% | 118 |
| Earnings coverage of net charge-offs (x) | 75.2487% | 964 |
| Efficiency ratio | 46.4971% | 4,426 |
| Assets per employee ($millions) | 9.0316% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,339 |
| Loan loss allowance to noncurrent loans | 330.5903% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 1,513 |
| Noncurrent loans to loans | 0.4616% | 1,731 |
| Net loans and leases to total assets | 76.8461% | 649 |
| Net loans and leases to deposits | 101.8524% | 213 |
| Net loans and leases to core deposits | 104.3920% | 494 |
| Total domestic deposits to total assets | 75.4485% | 4,485 |
| Equity capital to assets | 15.2340% | 385 |
| Core capital (leverage) ratio | 10.6208% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0848% | 2,792 |
| Memoranda: | ||
| Average total assets | $1,293,454,333 | 800 |
| Average earning assets | $1,146,733,000 | 832 |
| Average equity | $198,574,333 | 533 |
| Average total loans | $1,020,705,000 | 665 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 1,805 |
| Cost of funding earning assets | 0.3630% | 1,109 |
| Net interest margin | 3.1379% | 2,063 |
| Noninterest income to average assets | 0.2401% | 3,707 |
| Noninterest expense to average assets | 1.6346% | 4,244 |
| Loan and lease loss provision to assets | -0.2184% | 4,701 |
| Net operating income to assets | 1.3501% | 902 |
| Return on assets (ROA) | 1.3501% | 888 |
| Pretax return on assets | 1.6629% | 738 |
| Return on Equity (ROE) | 8.7198% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.7198% | 1,359 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0212% | 4,310 |
| Assets per employee ($millions) | 15.6778% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,266 |
| Loan loss allowance to noncurrent loans | 59,250.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,109 |
| Noncurrent loans to loans | 0.0019% | 4,038 |
| Net loans and leases to total assets | 76.9435% | 448 |
| Net loans and leases to deposits | 132.4513% | 16 |
| Net loans and leases to core deposits | 137.9731% | 67 |
| Total domestic deposits to total assets | 58.0919% | 4,734 |
| Equity capital to assets | 14.8357% | 413 |
| Core capital (leverage) ratio | 11.2077% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9131% | 2,640 |
| Memoranda: | ||
| Average total assets | $919,615,000 | 1,062 |
| Average earning assets | $832,029,500 | 1,083 |
| Average equity | $142,388,500 | 736 |
| Average total loans | $734,639,500 | 848 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 1,641 |
| Cost of funding earning assets | 0.4089% | 1,476 |
| Net interest margin | 3.4810% | 1,796 |
| Noninterest income to average assets | 1.0469% | 924 |
| Noninterest expense to average assets | 1.8991% | 3,925 |
| Loan and lease loss provision to assets | 0.0528% | 2,003 |
| Net operating income to assets | 1.7308% | 595 |
| Return on assets (ROA) | 1.7308% | 615 |
| Pretax return on assets | 2.2232% | 396 |
| Return on Equity (ROE) | 10.7691% | 2,248 |
| Retained earnings to average equity (ytd only) | 10.7691% | 747 |
| Net charge-offs to loans | 0.0017% | 2,592 |
| Credit loss provision to net charge-offs | 4,666.6667% | 155 |
| Earnings coverage of net charge-offs (x) | 1,597.6667% | 91 |
| Efficiency ratio | 42.9469% | 4,609 |
| Assets per employee ($millions) | 13.3770% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,503 |
| Loan loss allowance to noncurrent loans | 61,373.3333% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,183 |
| Noncurrent loans to loans | 0.0021% | 4,113 |
| Net loans and leases to total assets | 81.0902% | 220 |
| Net loans and leases to deposits | 121.3111% | 37 |
| Net loans and leases to core deposits | 127.1723% | 114 |
| Total domestic deposits to total assets | 66.8448% | 4,720 |
| Equity capital to assets | 16.1852% | 361 |
| Core capital (leverage) ratio | 11.0764% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3932% | 2,493 |
| Memoranda: | ||
| Average total assets | $842,331,000 | 1,100 |
| Average earning assets | $756,988,000 | 1,142 |
| Average equity | $135,378,000 | 771 |
| Average total loans | $685,788,200 | 894 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 1,684 |
| Cost of funding earning assets | 0.4244% | 1,527 |
| Net interest margin | 3.5035% | 1,853 |
| Noninterest income to average assets | 1.0818% | 943 |
| Noninterest expense to average assets | 1.9300% | 3,869 |
| Loan and lease loss provision to assets | 0.1187% | 1,000 |
| Net operating income to assets | 1.6893% | 847 |
| Return on assets (ROA) | 1.6893% | 891 |
| Pretax return on assets | 2.1743% | 576 |
| Return on Equity (ROE) | 10.5307% | 2,541 |
| Retained earnings to average equity (ytd only) | 10.5307% | 1,166 |
| Net charge-offs to loans | 0.0024% | 2,288 |
| Credit loss provision to net charge-offs | 5,841.6667% | 135 |
| Earnings coverage of net charge-offs (x) | 1,192.6667% | 136 |
| Efficiency ratio | 43.1596% | 4,620 |
| Assets per employee ($millions) | 13.9705% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.6142% | 262 |
| Net loans and leases to deposits | 117.0927% | 48 |
| Net loans and leases to core deposits | 123.1769% | 154 |
| Total domestic deposits to total assets | 68.8464% | 4,762 |
| Equity capital to assets | 15.7833% | 440 |
| Core capital (leverage) ratio | 10.6703% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7651% | 2,788 |
| Memoranda: | ||
| Average total assets | $832,192,500 | 1,125 |
| Average earning assets | $746,135,250 | 1,166 |
| Average equity | $133,498,250 | 796 |
| Average total loans | $675,950,500 | 926 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 1,859 |
| Cost of funding earning assets | 0.4462% | 1,548 |
| Net interest margin | 3.4373% | 2,043 |
| Noninterest income to average assets | 0.9186% | 1,221 |
| Noninterest expense to average assets | 1.9157% | 3,928 |
| Loan and lease loss provision to assets | 0.2085% | 529 |
| Net operating income to assets | 1.4589% | 1,401 |
| Return on assets (ROA) | 1.4589% | 1,464 |
| Pretax return on assets | 1.8694% | 1,077 |
| Return on Equity (ROE) | 9.0423% | 3,087 |
| Retained earnings to average equity (ytd only) | 9.0423% | 1,696 |
| Net charge-offs to loans | 0.0033% | 2,054 |
| Credit loss provision to net charge-offs | 6,372.7273% | 96 |
| Earnings coverage of net charge-offs (x) | 770.9091% | 180 |
| Efficiency ratio | 45.2325% | 4,555 |
| Assets per employee ($millions) | 13.2823% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 2,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.4955% | 285 |
| Net loans and leases to deposits | 112.4188% | 86 |
| Net loans and leases to core deposits | 118.9651% | 228 |
| Total domestic deposits to total assets | 71.6033% | 4,718 |
| Equity capital to assets | 15.8336% | 429 |
| Core capital (leverage) ratio | 10.5327% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6022% | 2,831 |
| Memoranda: | ||
| Average total assets | $816,209,000 | 1,132 |
| Average earning assets | $730,174,000 | 1,183 |
| Average equity | $131,692,333 | 802 |
| Average total loans | $661,645,000 | 940 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 1,852 |
| Cost of funding earning assets | 0.4818% | 1,504 |
| Net interest margin | 3.4079% | 2,086 |
| Noninterest income to average assets | 0.9103% | 1,300 |
| Noninterest expense to average assets | 1.9863% | 3,762 |
| Loan and lease loss provision to assets | 0.5260% | 118 |
| Net operating income to assets | 1.1355% | 2,369 |
| Return on assets (ROA) | 1.1355% | 2,443 |
| Pretax return on assets | 1.4353% | 2,183 |
| Return on Equity (ROE) | 6.9686% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.9686% | 2,587 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4899% | 4,374 |
| Assets per employee ($millions) | 13.4198% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.2785% | 324 |
| Net loans and leases to deposits | 109.1138% | 141 |
| Net loans and leases to core deposits | 116.4288% | 285 |
| Total domestic deposits to total assets | 73.5732% | 4,686 |
| Equity capital to assets | 15.9389% | 393 |
| Core capital (leverage) ratio | 10.6640% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2942% | 2,564 |
| Memoranda: | ||
| Average total assets | $799,280,000 | 1,145 |
| Average earning assets | $712,347,500 | 1,191 |
| Average equity | $130,240,500 | 798 |
| Average total loans | $645,660,500 | 956 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,567 |
| Cost of funding earning assets | 0.7146% | 1,647 |
| Net interest margin | 3.6935% | 1,821 |
| Noninterest income to average assets | 1.6115% | 481 |
| Noninterest expense to average assets | 1.9902% | 4,157 |
| Loan and lease loss provision to assets | 0.7143% | 219 |
| Net operating income to assets | 1.6601% | 555 |
| Return on assets (ROA) | 1.6893% | 556 |
| Pretax return on assets | 2.2124% | 296 |
| Return on Equity (ROE) | 10.4729% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.4729% | 501 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3082% | 4,901 |
| Assets per employee ($millions) | 13.4475% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.1024% | 494 |
| Net loans and leases to deposits | 108.4225% | 183 |
| Net loans and leases to core deposits | 116.4507% | 361 |
| Total domestic deposits to total assets | 72.9575% | 4,680 |
| Equity capital to assets | 16.6681% | 366 |
| Core capital (leverage) ratio | 10.8720% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3509% | 2,105 |
| Memoranda: | ||
| Average total assets | $757,511,000 | 1,098 |
| Average earning assets | $670,340,400 | 1,152 |
| Average equity | $122,191,600 | 812 |
| Average total loans | $593,109,000 | 991 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 1,879 |
| Cost of funding earning assets | 0.7798% | 1,588 |
| Net interest margin | 3.6086% | 2,244 |
| Noninterest income to average assets | 1.1203% | 834 |
| Noninterest expense to average assets | 1.9548% | 4,244 |
| Loan and lease loss provision to assets | 0.7953% | 229 |
| Net operating income to assets | 1.1974% | 1,641 |
| Return on assets (ROA) | 1.2367% | 1,647 |
| Pretax return on assets | 1.6121% | 1,158 |
| Return on Equity (ROE) | 7.7333% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.7333% | 1,401 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5082% | 4,842 |
| Assets per employee ($millions) | 14.1070% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.3562% | 1,051 |
| Net loans and leases to deposits | 103.6206% | 397 |
| Net loans and leases to core deposits | 112.4262% | 615 |
| Total domestic deposits to total assets | 73.6883% | 4,589 |
| Equity capital to assets | 15.4009% | 556 |
| Core capital (leverage) ratio | 10.2666% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6758% | 2,335 |
| Memoranda: | ||
| Average total assets | $751,900,000 | 1,094 |
| Average earning assets | $665,134,750 | 1,138 |
| Average equity | $120,238,500 | 814 |
| Average total loans | $585,229,000 | 993 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 1,879 |
| Cost of funding earning assets | 0.8590% | 1,552 |
| Net interest margin | 3.6540% | 2,306 |
| Noninterest income to average assets | 0.9794% | 1,019 |
| Noninterest expense to average assets | 1.8317% | 4,514 |
| Loan and lease loss provision to assets | 0.9190% | 242 |
| Net operating income to assets | 1.1178% | 1,907 |
| Return on assets (ROA) | 1.1178% | 2,024 |
| Pretax return on assets | 1.4535% | 1,578 |
| Return on Equity (ROE) | 6.8969% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.8969% | 1,702 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6023% | 4,899 |
| Assets per employee ($millions) | 13.3245% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 3,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.9029% | 604 |
| Net loans and leases to deposits | 105.5786% | 326 |
| Net loans and leases to core deposits | 116.2333% | 530 |
| Total domestic deposits to total assets | 75.6809% | 4,458 |
| Equity capital to assets | 16.2349% | 442 |
| Core capital (leverage) ratio | 10.0025% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4257% | 2,432 |
| Memoranda: | ||
| Average total assets | $734,499,667 | 1,099 |
| Average earning assets | $648,212,333 | 1,141 |
| Average equity | $119,038,333 | 815 |
| Average total loans | $573,398,333 | 1,000 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 2,371 |
| Cost of funding earning assets | 0.9770% | 1,528 |
| Net interest margin | 3.4997% | 2,987 |
| Noninterest income to average assets | 0.8092% | 1,287 |
| Noninterest expense to average assets | 1.7984% | 4,670 |
| Loan and lease loss provision to assets | 0.5325% | 548 |
| Net operating income to assets | 1.2110% | 1,479 |
| Return on assets (ROA) | 1.2110% | 1,592 |
| Pretax return on assets | 1.5755% | 1,123 |
| Return on Equity (ROE) | 7.4788% | 2,742 |
| Retained earnings to average equity (ytd only) | 7.4788% | 1,383 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8190% | 4,918 |
| Assets per employee ($millions) | 12.2168% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5638% | 4,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.2769% | 664 |
| Net loans and leases to deposits | 108.4667% | 215 |
| Net loans and leases to core deposits | 123.0160% | 385 |
| Total domestic deposits to total assets | 74.0106% | 4,662 |
| Equity capital to assets | 16.8004% | 469 |
| Core capital (leverage) ratio | 10.4266% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4889% | 2,936 |
| Memoranda: | ||
| Average total assets | $728,663,500 | 1,076 |
| Average earning assets | $644,849,000 | 1,116 |
| Average equity | $117,987,500 | 814 |
| Average total loans | $559,176,000 | 996 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 2,395 |
| Cost of funding earning assets | 1.1592% | 1,130 |
| Net interest margin | 3.5184% | 3,392 |
| Noninterest income to average assets | 0.5526% | 2,459 |
| Noninterest expense to average assets | 1.8315% | 4,736 |
| Loan and lease loss provision to assets | 0.1941% | 1,054 |
| Net operating income to assets | 1.2168% | 1,993 |
| Return on assets (ROA) | 1.2168% | 2,083 |
| Pretax return on assets | 1.6162% | 1,438 |
| Return on Equity (ROE) | 7.3702% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.3702% | 1,219 |
| Net charge-offs to loans | 0.0098% | 3,333 |
| Credit loss provision to net charge-offs | 2,630.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 245.3000% | 337 |
| Efficiency ratio | 46.3281% | 4,900 |
| Assets per employee ($millions) | 13.8658% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4128% | 4,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.6609% | 1,979 |
| Net loans and leases to deposits | 102.3620% | 453 |
| Net loans and leases to core deposits | 116.9514% | 566 |
| Total domestic deposits to total assets | 70.9843% | 4,895 |
| Equity capital to assets | 15.6169% | 670 |
| Core capital (leverage) ratio | 10.5416% | 2,910 |
| Tier 1 risk-based capital ratio | 11.4453% | 4,654 |
| Total risk-based capital ratio | 12.7191% | 4,525 |
| Memoranda: | ||
| Average total assets | $677,521,200 | 1,106 |
| Average earning assets | $594,874,800 | 1,165 |
| Average equity | $111,855,400 | 817 |
| Average total loans | $511,224,800 | 1,058 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 2,130 |
| Cost of funding earning assets | 1.2785% | 840 |
| Net interest margin | 3.5170% | 3,517 |
| Noninterest income to average assets | 0.5356% | 2,536 |
| Noninterest expense to average assets | 1.7850% | 4,836 |
| Loan and lease loss provision to assets | 0.2549% | 633 |
| Net operating income to assets | 1.1819% | 2,261 |
| Return on assets (ROA) | 1.1819% | 2,343 |
| Pretax return on assets | 1.5707% | 1,735 |
| Return on Equity (ROE) | 7.0507% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.0507% | 1,838 |
| Net charge-offs to loans | 0.0133% | 2,898 |
| Credit loss provision to net charge-offs | 2,522.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 180.6465% | 471 |
| Efficiency ratio | 45.5192% | 4,956 |
| Assets per employee ($millions) | 12.6356% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 5,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.4383% | 1,575 |
| Net loans and leases to deposits | 108.2689% | 260 |
| Net loans and leases to core deposits | 131.4920% | 275 |
| Total domestic deposits to total assets | 69.6768% | 5,009 |
| Equity capital to assets | 16.4889% | 560 |
| Core capital (leverage) ratio | 10.5488% | 3,059 |
| Tier 1 risk-based capital ratio | 11.8049% | 4,511 |
| Total risk-based capital ratio | 13.1606% | 4,347 |
| Memoranda: | ||
| Average total assets | $659,713,250 | 1,134 |
| Average earning assets | $576,809,250 | 1,194 |
| Average equity | $110,586,250 | 816 |
| Average total loans | $502,454,500 | 1,075 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 1,824 |
| Cost of funding earning assets | 1.2329% | 905 |
| Net interest margin | 3.6448% | 3,117 |
| Noninterest income to average assets | 0.3892% | 3,345 |
| Noninterest expense to average assets | 1.7328% | 4,945 |
| Loan and lease loss provision to assets | 0.3040% | 453 |
| Net operating income to assets | 1.1519% | 2,318 |
| Return on assets (ROA) | 1.1519% | 2,392 |
| Pretax return on assets | 1.5316% | 1,751 |
| Return on Equity (ROE) | 6.8320% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.8320% | 1,884 |
| Net charge-offs to loans | 0.0202% | 2,455 |
| Credit loss provision to net charge-offs | 1,970.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 118.9400% | 609 |
| Efficiency ratio | 44.5290% | 5,047 |
| Assets per employee ($millions) | 12.2191% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 5,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.4291% | 1,485 |
| Net loans and leases to deposits | 108.9746% | 244 |
| Net loans and leases to core deposits | 133.9141% | 260 |
| Total domestic deposits to total assets | 70.1348% | 5,042 |
| Equity capital to assets | 16.7329% | 502 |
| Core capital (leverage) ratio | 10.5762% | 3,006 |
| Tier 1 risk-based capital ratio | 11.5858% | 4,641 |
| Total risk-based capital ratio | 12.9112% | 4,501 |
| Memoranda: | ||
| Average total assets | $647,964,670 | 1,151 |
| Average earning assets | $565,182,000 | 1,214 |
| Average equity | $109,251,330 | 818 |
| Average total loans | $494,450,670 | 1,092 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 1,694 |
| Cost of funding earning assets | 1.2131% | 868 |
| Net interest margin | 3.6558% | 3,057 |
| Noninterest income to average assets | 0.3403% | 3,585 |
| Noninterest expense to average assets | 1.8317% | 4,886 |
| Loan and lease loss provision to assets | 0.3145% | 401 |
| Net operating income to assets | 1.0391% | 2,698 |
| Return on assets (ROA) | 1.0391% | 2,740 |
| Pretax return on assets | 1.3807% | 2,154 |
| Return on Equity (ROE) | 6.1384% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.1384% | 2,394 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7796% | 4,952 |
| Assets per employee ($millions) | 11.6181% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3029% | 5,242 |
| Loan loss allowance to noncurrent loans | 256.8966% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,359 |
| Noncurrent loans to loans | 0.1179% | 4,212 |
| Net loans and leases to total assets | 76.7603% | 1,358 |
| Net loans and leases to deposits | 110.1956% | 211 |
| Net loans and leases to core deposits | 133.3639% | 265 |
| Total domestic deposits to total assets | 69.6582% | 5,122 |
| Equity capital to assets | 17.2564% | 425 |
| Core capital (leverage) ratio | 10.3582% | 3,213 |
| Tier 1 risk-based capital ratio | 11.7325% | 4,600 |
| Total risk-based capital ratio | 13.0353% | 4,476 |
| Memoranda: | ||
| Average total assets | $635,922,500 | 1,170 |
| Average earning assets | $554,303,000 | 1,232 |
| Average equity | $107,650,500 | 828 |
| Average total loans | $483,893,000 | 1,114 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5879% | 5,334 |
| Cost of funding earning assets | 0.4584% | 3,621 |
| Net interest margin | 2.1295% | 5,319 |
| Noninterest income to average assets | 0.1875% | 4,786 |
| Noninterest expense to average assets | 0.8811% | 5,367 |
| Loan and lease loss provision to assets | 0.1685% | 1,196 |
| Net operating income to assets | 0.8195% | 3,729 |
| Return on assets (ROA) | 0.8195% | 3,734 |
| Pretax return on assets | 1.1056% | 3,245 |
| Return on Equity (ROE) | 6.7561% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.7561% | 1,782 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1417% | 5,316 |
| Assets per employee ($millions) | 11.1026% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2081% | 5,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.0275% | 1,769 |
| Net loans and leases to deposits | 105.5175% | 391 |
| Net loans and leases to core deposits | 128.2396% | 352 |
| Total domestic deposits to total assets | 71.1043% | 5,117 |
| Equity capital to assets | 16.5969% | 455 |
| Core capital (leverage) ratio | 9.3877% | 4,251 |
| Tier 1 risk-based capital ratio | 11.0045% | 4,982 |
| Total risk-based capital ratio | 12.2432% | 4,875 |
| Memoranda: | ||
| Average total assets | $587,667,600 | 1,228 |
| Average earning assets | $542,997,400 | 1,227 |
| Average equity | $71,283,400 | 1,143 |
| Average total loans | $477,131,600 | 1,093 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7006% | 5,458 |
| Cost of funding earning assets | 0.3254% | 4,346 |
| Net interest margin | 1.3753% | 5,456 |
| Noninterest income to average assets | 0.1078% | 5,185 |
| Noninterest expense to average assets | 0.5952% | 5,455 |
| Loan and lease loss provision to assets | 0.1099% | 1,836 |
| Net operating income to assets | 0.5082% | 4,744 |
| Return on assets (ROA) | 0.5082% | 4,744 |
| Pretax return on assets | 0.6924% | 4,551 |
| Return on Equity (ROE) | 4.6610% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.6610% | 3,414 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6691% | 5,358 |
| Assets per employee ($millions) | 11.3445% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0988% | 5,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.0073% | 1,501 |
| Net loans and leases to deposits | 109.2836% | 310 |
| Net loans and leases to core deposits | 129.0886% | 350 |
| Total domestic deposits to total assets | 70.4655% | 5,196 |
| Equity capital to assets | 16.4015% | 472 |
| Core capital (leverage) ratio | 9.3137% | 4,380 |
| Tier 1 risk-based capital ratio | 10.5108% | 5,236 |
| Total risk-based capital ratio | 11.6374% | 5,193 |
| Memoranda: | ||
| Average total assets | $576,372,250 | 1,246 |
| Average earning assets | $540,487,000 | 1,237 |
| Average equity | $62,846,000 | 1,272 |
| Average total loans | $477,464,250 | 1,091 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,863 |
| Cost of funding earning assets | 0.8619% | 865 |
| Net interest margin | 3.1115% | 4,710 |
| Noninterest income to average assets | 0.3557% | 3,784 |
| Noninterest expense to average assets | 1.5436% | 5,309 |
| Loan and lease loss provision to assets | 0.1070% | 1,832 |
| Net operating income to assets | 1.6909% | 732 |
| Return on assets (ROA) | 1.6909% | 740 |
| Pretax return on assets | 1.6909% | 1,238 |
| Return on Equity (ROE) | 19.0772% | 328 |
| Retained earnings to average equity (ytd only) | 7.0005% | 2,069 |
| Net charge-offs to loans | 0.0248% | 2,365 |
| Credit loss provision to net charge-offs | 508.4746% | 698 |
| Earnings coverage of net charge-offs (x) | 85.4068% | 787 |
| Efficiency ratio | 46.1933% | 5,201 |
| Assets per employee ($millions) | 10.8164% | 254 |
| Cash dividends to net income (ytd only)* | 63.3045% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 4,220 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.1065% | 450 |
| Net loans and leases to deposits | 109.7550% | 288 |
| Net loans and leases to core deposits | 130.5115% | 324 |
| Total domestic deposits to total assets | 76.6311% | 4,782 |
| Equity capital to assets | 8.9140% | 4,624 |
| Core capital (leverage) ratio | 9.4931% | 4,120 |
| Tier 1 risk-based capital ratio | 10.9018% | 5,109 |
| Total risk-based capital ratio | 12.9972% | 4,532 |
| Memoranda: | ||
| Average total assets | $560,513,330 | 1,271 |
| Average earning assets | $537,874,670 | 1,244 |
| Average equity | $49,682,330 | 1,535 |
| Average total loans | $476,298,670 | 1,095 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 3,952 |
| Cost of funding earning assets | 0.8438% | 787 |
| Net interest margin | 3.0482% | 4,798 |
| Noninterest income to average assets | 0.3241% | 3,984 |
| Noninterest expense to average assets | 1.5130% | 5,380 |
| Loan and lease loss provision to assets | 0.1263% | 1,492 |
| Net operating income to assets | 1.6104% | 835 |
| Return on assets (ROA) | 1.6104% | 838 |
| Pretax return on assets | 1.6104% | 1,363 |
| Return on Equity (ROE) | 18.2223% | 388 |
| Retained earnings to average equity (ytd only) | -6.2810% | 5,259 |
| Net charge-offs to loans | -0.0025% | 3,845 |
| Credit loss provision to net charge-offs | -5,833.3333% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5571% | 5,245 |
| Assets per employee ($millions) | 10.2394% | 301 |
| Cash dividends to net income (ytd only)* | 134.4688% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,992 |
| Loan loss allowance to noncurrent loans | 4,420.3704% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,200 |
| Noncurrent loans to loans | 0.0225% | 4,880 |
| Net loans and leases to total assets | 84.3263% | 404 |
| Net loans and leases to deposits | 106.3521% | 366 |
| Net loans and leases to core deposits | 139.2893% | 221 |
| Total domestic deposits to total assets | 79.2898% | 4,532 |
| Equity capital to assets | 8.6280% | 4,878 |
| Core capital (leverage) ratio | 9.2856% | 4,341 |
| Tier 1 risk-based capital ratio | 10.5127% | 5,349 |
| Total risk-based capital ratio | 12.6241% | 4,839 |
| Memoranda: | ||
| Average total assets | $554,136,500 | 1,290 |
| Average earning assets | $531,859,000 | 1,259 |
| Average equity | $48,973,000 | 1,563 |
| Average total loans | $470,952,000 | 1,120 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 4,130 |
| Cost of funding earning assets | 0.7812% | 692 |
| Net interest margin | 2.9940% | 4,898 |
| Noninterest income to average assets | 0.3609% | 3,886 |
| Noninterest expense to average assets | 1.7005% | 5,335 |
| Loan and lease loss provision to assets | 0.0896% | 2,397 |
| Net operating income to assets | 1.4369% | 931 |
| Return on assets (ROA) | 1.4369% | 948 |
| Pretax return on assets | 1.4369% | 1,864 |
| Return on Equity (ROE) | 16.7454% | 418 |
| Retained earnings to average equity (ytd only) | 16.7454% | 60 |
| Net charge-offs to loans | 0.0532% | 2,742 |
| Credit loss provision to net charge-offs | 203.8627% | 1,342 |
| Earnings coverage of net charge-offs (x) | 34.7296% | 1,386 |
| Efficiency ratio | 52.6950% | 5,062 |
| Assets per employee ($millions) | 10.2850% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,331 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 83.9536% | 453 |
| Net loans and leases to deposits | 106.6601% | 373 |
| Net loans and leases to core deposits | 139.7280% | 215 |
| Total domestic deposits to total assets | 78.7113% | 4,605 |
| Equity capital to assets | 9.0544% | 4,664 |
| Core capital (leverage) ratio | 9.2940% | 4,302 |
| Tier 1 risk-based capital ratio | 11.0962% | 5,089 |
| Total risk-based capital ratio | 13.2536% | 4,411 |
| Memoranda: | ||
| Average total assets | $530,083,400 | 1,330 |
| Average earning assets | $507,450,400 | 1,279 |
| Average equity | $45,487,000 | 1,650 |
| Average total loans | $437,574,400 | 1,152 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,278 |
| Cost of funding earning assets | 0.7617% | 716 |
| Net interest margin | 2.9552% | 5,011 |
| Noninterest income to average assets | 0.3567% | 3,981 |
| Noninterest expense to average assets | 1.6506% | 5,405 |
| Loan and lease loss provision to assets | 0.1077% | 1,977 |
| Net operating income to assets | 1.4259% | 1,034 |
| Return on assets (ROA) | 1.4259% | 1,060 |
| Pretax return on assets | 1.4259% | 2,035 |
| Return on Equity (ROE) | 16.8580% | 445 |
| Retained earnings to average equity (ytd only) | 16.8580% | 81 |
| Net charge-offs to loans | 0.0729% | 2,091 |
| Credit loss provision to net charge-offs | 180.0847% | 1,474 |
| Earnings coverage of net charge-offs (x) | 25.6525% | 1,719 |
| Efficiency ratio | 51.8377% | 5,113 |
| Assets per employee ($millions) | 10.0469% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 4,458 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.1768% | 808 |
| Net loans and leases to deposits | 99.3447% | 789 |
| Net loans and leases to core deposits | 117.6695% | 672 |
| Total domestic deposits to total assets | 81.7122% | 3,865 |
| Equity capital to assets | 8.7374% | 5,128 |
| Core capital (leverage) ratio | 9.0435% | 4,695 |
| Tier 1 risk-based capital ratio | 11.1228% | 5,176 |
| Total risk-based capital ratio | 13.3620% | 4,436 |
| Memoranda: | ||
| Average total assets | $526,327,500 | 1,345 |
| Average earning assets | $503,592,250 | 1,301 |
| Average equity | $44,519,750 | 1,688 |
| Average total loans | $431,409,750 | 1,169 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,246 |
| Cost of funding earning assets | 0.7273% | 774 |
| Net interest margin | 2.9671% | 4,975 |
| Noninterest income to average assets | 0.3144% | 4,286 |
| Noninterest expense to average assets | 1.6567% | 5,448 |
| Loan and lease loss provision to assets | 0.0768% | 2,446 |
| Net operating income to assets | 1.4144% | 1,030 |
| Return on assets (ROA) | 1.4144% | 1,053 |
| Pretax return on assets | 1.4144% | 1,954 |
| Return on Equity (ROE) | 16.9151% | 418 |
| Retained earnings to average equity (ytd only) | 16.9151% | 89 |
| Net charge-offs to loans | -0.0009% | 4,134 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6284% | 5,126 |
| Assets per employee ($millions) | 10.3918% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,902 |
| Loan loss allowance to noncurrent loans | 1,621.3523% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 4,277 |
| Noncurrent loans to loans | 0.0641% | 4,870 |
| Net loans and leases to total assets | 81.8076% | 691 |
| Net loans and leases to deposits | 102.5187% | 574 |
| Net loans and leases to core deposits | 119.7822% | 564 |
| Total domestic deposits to total assets | 79.7978% | 4,454 |
| Equity capital to assets | 8.5782% | 5,243 |
| Core capital (leverage) ratio | 9.1063% | 4,609 |
| Tier 1 risk-based capital ratio | 10.7754% | 5,351 |
| Total risk-based capital ratio | 13.0403% | 4,656 |
| Memoranda: | ||
| Average total assets | $520,926,000 | 1,364 |
| Average earning assets | $497,458,000 | 1,321 |
| Average equity | $43,558,670 | 1,716 |
| Average total loans | $426,895,330 | 1,183 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 4,392 |
| Cost of funding earning assets | 0.7055% | 823 |
| Net interest margin | 2.9040% | 5,078 |
| Noninterest income to average assets | 0.2812% | 4,543 |
| Noninterest expense to average assets | 1.6762% | 5,492 |
| Loan and lease loss provision to assets | 0.0387% | 3,024 |
| Net operating income to assets | 1.3401% | 1,139 |
| Return on assets (ROA) | 1.3401% | 1,172 |
| Pretax return on assets | 1.3401% | 2,098 |
| Return on Equity (ROE) | 16.2417% | 499 |
| Retained earnings to average equity (ytd only) | 16.2417% | 192 |
| Net charge-offs to loans | -0.0009% | 3,965 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8682% | 5,054 |
| Assets per employee ($millions) | 10.4296% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 4,061 |
| Loan loss allowance to noncurrent loans | 1,567.6157% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,325 |
| Noncurrent loans to loans | 0.0660% | 4,936 |
| Net loans and leases to total assets | 80.7702% | 728 |
| Net loans and leases to deposits | 102.3388% | 483 |
| Net loans and leases to core deposits | 122.6764% | 395 |
| Total domestic deposits to total assets | 78.9243% | 4,837 |
| Equity capital to assets | 8.3391% | 5,336 |
| Core capital (leverage) ratio | 9.0121% | 4,721 |
| Tier 1 risk-based capital ratio | 10.5025% | 5,540 |
| Total risk-based capital ratio | 12.7738% | 4,919 |
| Memoranda: | ||
| Average total assets | $516,398,500 | 1,375 |
| Average earning assets | $493,254,000 | 1,335 |
| Average equity | $42,606,500 | 1,751 |
| Average total loans | $421,282,500 | 1,195 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,147 |
| Cost of funding earning assets | 0.7168% | 755 |
| Net interest margin | 3.2965% | 4,153 |
| Noninterest income to average assets | 0.3699% | 4,101 |
| Noninterest expense to average assets | 1.8702% | 5,400 |
| Loan and lease loss provision to assets | 0.1210% | 2,039 |
| Net operating income to assets | 1.5130% | 814 |
| Return on assets (ROA) | 1.5130% | 837 |
| Pretax return on assets | 1.5130% | 1,545 |
| Return on Equity (ROE) | 18.4216% | 297 |
| Retained earnings to average equity (ytd only) | 18.4216% | 65 |
| Net charge-offs to loans | -0.0081% | 4,888 |
| Credit loss provision to net charge-offs | -1,718.7500% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3693% | 5,293 |
| Assets per employee ($millions) | 10.8791% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 4,047 |
| Loan loss allowance to noncurrent loans | 1,549.4662% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 4,395 |
| Noncurrent loans to loans | 0.0674% | 4,971 |
| Net loans and leases to total assets | 80.6947% | 786 |
| Net loans and leases to deposits | 104.8853% | 393 |
| Net loans and leases to core deposits | 124.6164% | 370 |
| Total domestic deposits to total assets | 76.9362% | 5,121 |
| Equity capital to assets | 8.1605% | 5,491 |
| Core capital (leverage) ratio | 8.7264% | 5,042 |
| Tier 1 risk-based capital ratio | 10.1754% | 5,689 |
| Total risk-based capital ratio | 12.4565% | 5,114 |
| Memoranda: | ||
| Average total assets | $454,388,600 | 1,499 |
| Average earning assets | $432,031,000 | 1,466 |
| Average equity | $37,320,400 | 1,961 |
| Average total loans | $393,197,400 | 1,213 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 2,883 |
| Cost of funding earning assets | 0.7139% | 759 |
| Net interest margin | 3.3844% | 3,911 |
| Noninterest income to average assets | 0.3705% | 4,125 |
| Noninterest expense to average assets | 1.8605% | 5,446 |
| Loan and lease loss provision to assets | 0.1515% | 1,543 |
| Net operating income to assets | 1.5724% | 768 |
| Return on assets (ROA) | 1.5724% | 804 |
| Pretax return on assets | 1.5724% | 1,457 |
| Return on Equity (ROE) | 19.1092% | 290 |
| Retained earnings to average equity (ytd only) | 19.1092% | 65 |
| Net charge-offs to loans | 0.0003% | 3,949 |
| Credit loss provision to net charge-offs | 50,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 5,705.1203% | 7 |
| Efficiency ratio | 51.9057% | 5,394 |
| Assets per employee ($millions) | 10.2302% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,237.9710% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 4,417 |
| Noncurrent loans to loans | 0.0843% | 5,011 |
| Net loans and leases to total assets | 84.2215% | 393 |
| Net loans and leases to deposits | 105.3002% | 399 |
| Net loans and leases to core deposits | 130.5285% | 293 |
| Total domestic deposits to total assets | 79.9823% | 4,518 |
| Equity capital to assets | 8.3268% | 5,615 |
| Core capital (leverage) ratio | 8.7862% | 5,069 |
| Tier 1 risk-based capital ratio | 9.9362% | 5,808 |
| Total risk-based capital ratio | 12.2371% | 5,289 |
| Memoranda: | ||
| Average total assets | $440,156,750 | 1,540 |
| Average earning assets | $417,986,000 | 1,507 |
| Average equity | $36,219,000 | 2,024 |
| Average total loans | $387,257,000 | 1,229 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 2,302 |
| Cost of funding earning assets | 0.7041% | 787 |
| Net interest margin | 3.5555% | 3,280 |
| Noninterest income to average assets | 0.3582% | 4,208 |
| Noninterest expense to average assets | 1.9240% | 5,412 |
| Loan and lease loss provision to assets | 0.1641% | 1,372 |
| Net operating income to assets | 1.6390% | 659 |
| Return on assets (ROA) | 1.6390% | 700 |
| Pretax return on assets | 1.6390% | 1,260 |
| Return on Equity (ROE) | 20.0078% | 243 |
| Retained earnings to average equity (ytd only) | 20.0078% | 59 |
| Net charge-offs to loans | 0.0005% | 3,681 |
| Credit loss provision to net charge-offs | 35,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 3,846.0000% | 9 |
| Efficiency ratio | 51.6226% | 5,467 |
| Assets per employee ($millions) | 9.7441% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 4,252 |
| Loan loss allowance to noncurrent loans | 6,340.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 4,648 |
| Noncurrent loans to loans | 0.0165% | 5,417 |
| Net loans and leases to total assets | 87.1100% | 189 |
| Net loans and leases to deposits | 108.1968% | 297 |
| Net loans and leases to core deposits | 132.9333% | 265 |
| Total domestic deposits to total assets | 80.5107% | 4,410 |
| Equity capital to assets | 8.3285% | 5,683 |
| Core capital (leverage) ratio | 8.6195% | 5,243 |
| Tier 1 risk-based capital ratio | 9.5981% | 5,931 |
| Total risk-based capital ratio | 11.1718% | 5,828 |
| Memoranda: | ||
| Average total assets | $426,602,670 | 1,587 |
| Average earning assets | $404,220,670 | 1,555 |
| Average equity | $34,946,330 | 2,089 |
| Average total loans | $379,934,670 | 1,248 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,301 |
| Cost of funding earning assets | 0.6881% | 855 |
| Net interest margin | 3.8977% | 1,940 |
| Noninterest income to average assets | 0.3050% | 4,544 |
| Noninterest expense to average assets | 1.9491% | 5,435 |
| Loan and lease loss provision to assets | 0.2405% | 751 |
| Net operating income to assets | 1.8048% | 462 |
| Return on assets (ROA) | 1.8048% | 494 |
| Pretax return on assets | 1.8048% | 842 |
| Return on Equity (ROE) | 22.2314% | 153 |
| Retained earnings to average equity (ytd only) | 22.2314% | 66 |
| Net charge-offs to loans | 0.0011% | 3,079 |
| Credit loss provision to net charge-offs | 25,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 2,126.0000% | 15 |
| Efficiency ratio | 48.7958% | 5,689 |
| Assets per employee ($millions) | 9.3941% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 4,273 |
| Loan loss allowance to noncurrent loans | 6,186.1538% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 4,658 |
| Noncurrent loans to loans | 0.0172% | 5,440 |
| Net loans and leases to total assets | 88.6212% | 94 |
| Net loans and leases to deposits | 112.1106% | 180 |
| Net loans and leases to core deposits | 144.3693% | 139 |
| Total domestic deposits to total assets | 79.0480% | 4,959 |
| Equity capital to assets | 8.2083% | 5,738 |
| Core capital (leverage) ratio | 8.4378% | 5,451 |
| Tier 1 risk-based capital ratio | 9.3631% | 6,025 |
| Total risk-based capital ratio | 11.2577% | 5,863 |
| Memoranda: | ||
| Average total assets | $415,789,000 | 1,632 |
| Average earning assets | $393,569,500 | 1,595 |
| Average equity | $33,754,000 | 2,160 |
| Average total loans | $372,615,000 | 1,265 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,007 |
| Cost of funding earning assets | 0.6730% | 945 |
| Net interest margin | 3.1403% | 4,809 |
| Noninterest income to average assets | 0.0603% | 5,980 |
| Noninterest expense to average assets | 2.0699% | 5,315 |
| Loan and lease loss provision to assets | 0.1353% | 1,760 |
| Net operating income to assets | 0.8147% | 3,278 |
| Return on assets (ROA) | 0.8147% | 3,357 |
| Pretax return on assets | 0.8147% | 4,143 |
| Return on Equity (ROE) | 9.7224% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.7224% | 501 |
| Net charge-offs to loans | -0.0041% | 4,946 |
| Credit loss provision to net charge-offs | -3,846.1538% | 5,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5422% | 3,474 |
| Assets per employee ($millions) | 9.5080% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 4,441 |
| Loan loss allowance to noncurrent loans | 5,388.5714% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 4,664 |
| Noncurrent loans to loans | 0.0191% | 5,440 |
| Net loans and leases to total assets | 88.7393% | 101 |
| Net loans and leases to deposits | 115.0392% | 153 |
| Net loans and leases to core deposits | 149.6471% | 112 |
| Total domestic deposits to total assets | 77.1383% | 5,295 |
| Equity capital to assets | 8.0248% | 5,844 |
| Core capital (leverage) ratio | 8.5041% | 5,431 |
| Tier 1 risk-based capital ratio | 9.0930% | 6,099 |
| Total risk-based capital ratio | 10.9699% | 5,990 |
| Memoranda: | ||
| Average total assets | $369,583,000 | 1,777 |
| Average earning assets | $348,308,800 | 1,742 |
| Average equity | $30,969,600 | 2,252 |
| Average total loans | $316,933,000 | 1,403 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,134 |
| Cost of funding earning assets | 0.6754% | 952 |
| Net interest margin | 3.1116% | 4,933 |
| Noninterest income to average assets | 0.0089% | 6,173 |
| Noninterest expense to average assets | 2.1191% | 5,236 |
| Loan and lease loss provision to assets | 0.0712% | 2,757 |
| Net operating income to assets | 0.7501% | 3,681 |
| Return on assets (ROA) | 0.7501% | 3,776 |
| Pretax return on assets | 0.7501% | 4,494 |
| Return on Equity (ROE) | 8.8450% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.8450% | 959 |
| Net charge-offs to loans | -0.0057% | 4,847 |
| Credit loss provision to net charge-offs | -1,476.9231% | 5,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0696% | 2,867 |
| Assets per employee ($millions) | 9.7863% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,485 |
| Loan loss allowance to noncurrent loans | 4,948.5714% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 4,784 |
| Noncurrent loans to loans | 0.0212% | 5,548 |
| Net loans and leases to total assets | 83.6005% | 415 |
| Net loans and leases to deposits | 110.5939% | 241 |
| Net loans and leases to core deposits | 142.8294% | 152 |
| Total domestic deposits to total assets | 75.5923% | 5,553 |
| Equity capital to assets | 8.1262% | 5,913 |
| Core capital (leverage) ratio | 8.8057% | 5,231 |
| Tier 1 risk-based capital ratio | 9.7445% | 6,093 |
| Total risk-based capital ratio | 11.7246% | 5,828 |
| Memoranda: | ||
| Average total assets | $359,767,500 | 1,833 |
| Average earning assets | $338,941,750 | 1,804 |
| Average equity | $30,509,750 | 2,299 |
| Average total loans | $304,521,750 | 1,460 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 3,993 |
| Cost of funding earning assets | 0.6723% | 980 |
| Net interest margin | 3.1474% | 4,835 |
| Noninterest income to average assets | -0.1186% | 6,309 |
| Noninterest expense to average assets | 2.2445% | 4,990 |
| Loan and lease loss provision to assets | 0.0034% | 4,018 |
| Net operating income to assets | 0.5962% | 4,364 |
| Return on assets (ROA) | 0.5962% | 4,456 |
| Pretax return on assets | 0.5962% | 4,981 |
| Return on Equity (ROE) | 6.9224% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.9224% | 1,733 |
| Net charge-offs to loans | -0.0088% | 4,887 |
| Credit loss provision to net charge-offs | -46.1538% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9166% | 1,929 |
| Assets per employee ($millions) | 8.8256% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 4,613 |
| Loan loss allowance to noncurrent loans | 4,682.8571% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 4,809 |
| Noncurrent loans to loans | 0.0224% | 5,670 |
| Net loans and leases to total assets | 85.4420% | 266 |
| Net loans and leases to deposits | 111.4306% | 231 |
| Net loans and leases to core deposits | 137.5891% | 182 |
| Total domestic deposits to total assets | 76.6773% | 5,505 |
| Equity capital to assets | 8.5110% | 5,677 |
| Core capital (leverage) ratio | 9.1524% | 4,747 |
| Tier 1 risk-based capital ratio | 10.0078% | 6,088 |
| Total risk-based capital ratio | 12.0479% | 5,741 |
| Memoranda: | ||
| Average total assets | $349,206,330 | 1,897 |
| Average earning assets | $328,720,000 | 1,871 |
| Average equity | $30,076,330 | 2,332 |
| Average total loans | $295,789,330 | 1,498 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,800 |
| Cost of funding earning assets | 0.6735% | 981 |
| Net interest margin | 3.1832% | 4,669 |
| Noninterest income to average assets | -0.6614% | 6,403 |
| Noninterest expense to average assets | 2.2981% | 4,889 |
| Loan and lease loss provision to assets | 0.0070% | 3,618 |
| Net operating income to assets | 0.0163% | 6,000 |
| Return on assets (ROA) | 0.0163% | 6,037 |
| Pretax return on assets | 0.0163% | 6,034 |
| Return on Equity (ROE) | 0.1885% | 6,028 |
| Retained earnings to average equity (ytd only) | 0.1885% | 5,308 |
| Net charge-offs to loans | -0.0042% | 4,456 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9950% | 395 |
| Assets per employee ($millions) | 8.4199% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 4,412 |
| Loan loss allowance to noncurrent loans | 4,668.5714% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 4,824 |
| Noncurrent loans to loans | 0.0240% | 5,707 |
| Net loans and leases to total assets | 85.5361% | 220 |
| Net loans and leases to deposits | 107.2576% | 276 |
| Net loans and leases to core deposits | 127.1644% | 283 |
| Total domestic deposits to total assets | 79.7483% | 5,111 |
| Equity capital to assets | 8.8297% | 5,472 |
| Core capital (leverage) ratio | 8.8234% | 5,173 |
| Tier 1 risk-based capital ratio | 10.3416% | 6,064 |
| Total risk-based capital ratio | 12.5214% | 5,590 |
| Memoranda: | ||
| Average total assets | $342,885,000 | 1,945 |
| Average earning assets | $321,311,000 | 1,916 |
| Average equity | $29,716,000 | 2,372 |
| Average total loans | $287,459,500 | 1,525 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,538 |
| Cost of funding earning assets | 0.6901% | 1,150 |
| Net interest margin | 3.3570% | 4,382 |
| Noninterest income to average assets | 0.2235% | 5,526 |
| Noninterest expense to average assets | 2.0745% | 5,629 |
| Loan and lease loss provision to assets | 0.1654% | 1,585 |
| Net operating income to assets | 1.1132% | 1,932 |
| Return on assets (ROA) | 1.1132% | 1,982 |
| Pretax return on assets | 1.1132% | 3,034 |
| Return on Equity (ROE) | 13.2586% | 1,085 |
| Retained earnings to average equity (ytd only) | 10.3926% | 458 |
| Net charge-offs to loans | 0.0387% | 4,053 |
| Credit loss provision to net charge-offs | 509.2593% | 513 |
| Earnings coverage of net charge-offs (x) | 39.3611% | 1,099 |
| Efficiency ratio | 61.8676% | 4,934 |
| Assets per employee ($millions) | 8.7244% | 394 |
| Cash dividends to net income (ytd only)* | 21.6158% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 4,290 |
| Loan loss allowance to noncurrent loans | 2,761.8644% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 3,848 |
| Noncurrent loans to loans | 0.0416% | 5,709 |
| Net loans and leases to total assets | 80.3240% | 702 |
| Net loans and leases to deposits | 98.0448% | 755 |
| Net loans and leases to core deposits | 115.2226% | 547 |
| Total domestic deposits to total assets | 81.9259% | 4,446 |
| Equity capital to assets | 8.5089% | 5,749 |
| Core capital (leverage) ratio | 8.8669% | 5,162 |
| Tier 1 risk-based capital ratio | 11.0087% | 5,903 |
| Total risk-based capital ratio | 13.3292% | 5,214 |
| Memoranda: | ||
| Average total assets | $332,462,200 | 1,949 |
| Average earning assets | $309,949,600 | 1,935 |
| Average equity | $27,914,000 | 2,418 |
| Average total loans | $278,746,400 | 1,525 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 3,393 |
| Cost of funding earning assets | 0.6992% | 1,157 |
| Net interest margin | 3.3971% | 4,253 |
| Noninterest income to average assets | 0.2103% | 5,673 |
| Noninterest expense to average assets | 2.0475% | 5,682 |
| Loan and lease loss provision to assets | 0.1827% | 1,341 |
| Net operating income to assets | 1.1427% | 1,884 |
| Return on assets (ROA) | 1.1427% | 1,953 |
| Pretax return on assets | 1.1427% | 3,022 |
| Return on Equity (ROE) | 13.6587% | 1,060 |
| Retained earnings to average equity (ytd only) | 9.7756% | 761 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7031% | 5,091 |
| Assets per employee ($millions) | 9.1905% | 317 |
| Cash dividends to net income (ytd only)* | 28.4293% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 4,387 |
| Loan loss allowance to noncurrent loans | 598.3516% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 3,587 |
| Noncurrent loans to loans | 0.1955% | 5,322 |
| Net loans and leases to total assets | 83.4325% | 370 |
| Net loans and leases to deposits | 102.7875% | 464 |
| Net loans and leases to core deposits | 122.1900% | 345 |
| Total domestic deposits to total assets | 81.1699% | 4,779 |
| Equity capital to assets | 8.6974% | 5,640 |
| Core capital (leverage) ratio | 8.8041% | 5,333 |
| Tier 1 risk-based capital ratio | 10.7050% | 6,127 |
| Total risk-based capital ratio | 13.0364% | 5,540 |
| Memoranda: | ||
| Average total assets | $328,334,250 | 1,987 |
| Average earning assets | $305,661,500 | 1,976 |
| Average equity | $27,469,000 | 2,449 |
| Average total loans | $277,540,750 | 1,547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 3,344 |
| Cost of funding earning assets | 0.7051% | 1,171 |
| Net interest margin | 3.3944% | 4,201 |
| Noninterest income to average assets | 0.1875% | 5,835 |
| Noninterest expense to average assets | 2.0342% | 5,765 |
| Loan and lease loss provision to assets | 0.1832% | 1,334 |
| Net operating income to assets | 1.1304% | 1,818 |
| Return on assets (ROA) | 1.1304% | 1,911 |
| Pretax return on assets | 1.1304% | 2,975 |
| Return on Equity (ROE) | 13.6942% | 1,014 |
| Retained earnings to average equity (ytd only) | 7.7756% | 1,400 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7625% | 5,182 |
| Assets per employee ($millions) | 8.9278% | 338 |
| Cash dividends to net income (ytd only)* | 43.2199% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 4,255 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 84.9286% | 240 |
| Net loans and leases to deposits | 106.2156% | 297 |
| Net loans and leases to core deposits | 126.7080% | 259 |
| Total domestic deposits to total assets | 79.9587% | 5,243 |
| Equity capital to assets | 8.4083% | 5,877 |
| Core capital (leverage) ratio | 8.6748% | 5,440 |
| Tier 1 risk-based capital ratio | 10.1390% | 6,350 |
| Total risk-based capital ratio | 12.3719% | 5,932 |
| Memoranda: | ||
| Average total assets | $327,493,000 | 1,991 |
| Average earning assets | $304,912,330 | 1,980 |
| Average equity | $27,033,330 | 2,475 |
| Average total loans | $276,951,000 | 1,543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,807 |
| Cost of funding earning assets | 0.7070% | 1,206 |
| Net interest margin | 3.2639% | 4,690 |
| Noninterest income to average assets | 0.1448% | 6,103 |
| Noninterest expense to average assets | 2.0339% | 5,818 |
| Loan and lease loss provision to assets | 0.1840% | 1,302 |
| Net operating income to assets | 0.9679% | 2,327 |
| Return on assets (ROA) | 0.9679% | 2,398 |
| Pretax return on assets | 0.9679% | 3,452 |
| Return on Equity (ROE) | 11.8368% | 1,456 |
| Retained earnings to average equity (ytd only) | -0.1650% | 5,584 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8429% | 4,881 |
| Assets per employee ($millions) | 9.4956% | 283 |
| Cash dividends to net income (ytd only)* | 101.3942% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 4,379 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 85.2479% | 177 |
| Net loans and leases to deposits | 104.7057% | 268 |
| Net loans and leases to core deposits | 125.0156% | 239 |
| Total domestic deposits to total assets | 81.4168% | 5,118 |
| Equity capital to assets | 8.2627% | 5,855 |
| Core capital (leverage) ratio | 8.3060% | 5,839 |
| Tier 1 risk-based capital ratio | 9.9151% | 6,498 |
| Total risk-based capital ratio | 12.1330% | 6,153 |
| Memoranda: | ||
| Average total assets | $326,075,500 | 2,006 |
| Average earning assets | $303,804,000 | 1,990 |
| Average equity | $26,662,500 | 2,495 |
| Average total loans | $273,596,500 | 1,561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,872 |
| Cost of funding earning assets | 0.7354% | 1,588 |
| Net interest margin | 3.3280% | 4,564 |
| Noninterest income to average assets | 0.2829% | 5,331 |
| Noninterest expense to average assets | 2.2117% | 5,598 |
| Loan and lease loss provision to assets | 0.1152% | 2,882 |
| Net operating income to assets | 1.0524% | 2,107 |
| Return on assets (ROA) | 1.0524% | 2,180 |
| Pretax return on assets | 1.0524% | 3,146 |
| Return on Equity (ROE) | 13.0285% | 1,161 |
| Retained earnings to average equity (ytd only) | 9.0443% | 764 |
| Net charge-offs to loans | -0.0008% | 5,824 |
| Credit loss provision to net charge-offs | -17,900.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4476% | 4,667 |
| Assets per employee ($millions) | 9.9788% | 233 |
| Cash dividends to net income (ytd only)* | 30.5810% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 5,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 4,499 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 80.8336% | 511 |
| Net loans and leases to deposits | 98.7864% | 548 |
| Net loans and leases to core deposits | 117.3830% | 385 |
| Total domestic deposits to total assets | 81.8267% | 4,937 |
| Equity capital to assets | 8.0926% | 5,943 |
| Core capital (leverage) ratio | 8.3033% | 5,872 |
| Tier 1 risk-based capital ratio | 10.2097% | 6,454 |
| Total risk-based capital ratio | 12.4383% | 6,031 |
| Memoranda: | ||
| Average total assets | $310,717,200 | 2,076 |
| Average earning assets | $289,092,400 | 2,051 |
| Average equity | $25,098,800 | 2,620 |
| Average total loans | $255,714,200 | 1,627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 3,820 |
| Cost of funding earning assets | 0.7360% | 1,696 |
| Net interest margin | 3.3501% | 4,466 |
| Noninterest income to average assets | 0.3167% | 5,165 |
| Noninterest expense to average assets | 2.2343% | 5,523 |
| Loan and lease loss provision to assets | 0.1128% | 2,886 |
| Net operating income to assets | 1.0864% | 2,059 |
| Return on assets (ROA) | 1.0864% | 2,138 |
| Pretax return on assets | 1.0864% | 3,167 |
| Return on Equity (ROE) | 13.4564% | 1,127 |
| Retained earnings to average equity (ytd only) | 8.0609% | 1,387 |
| Net charge-offs to loans | -0.0011% | 5,658 |
| Credit loss provision to net charge-offs | -12,950.0000% | 6,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0723% | 4,634 |
| Assets per employee ($millions) | 9.0292% | 305 |
| Cash dividends to net income (ytd only)* | 40.0962% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 4,681 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 78.9975% | 649 |
| Net loans and leases to deposits | 96.6458% | 647 |
| Net loans and leases to core deposits | 114.6824% | 432 |
| Total domestic deposits to total assets | 81.7392% | 5,015 |
| Equity capital to assets | 7.9473% | 6,181 |
| Core capital (leverage) ratio | 8.1987% | 6,064 |
| Tier 1 risk-based capital ratio | 10.3468% | 6,494 |
| Total risk-based capital ratio | 12.6370% | 6,076 |
| Memoranda: | ||
| Average total assets | $306,071,250 | 2,108 |
| Average earning assets | $284,763,500 | 2,092 |
| Average equity | $24,711,250 | 2,677 |
| Average total loans | $252,392,000 | 1,648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,798 |
| Cost of funding earning assets | 0.7552% | 1,670 |
| Net interest margin | 3.3293% | 4,450 |
| Noninterest income to average assets | 0.3370% | 4,983 |
| Noninterest expense to average assets | 2.2399% | 5,523 |
| Loan and lease loss provision to assets | 0.2062% | 1,838 |
| Net operating income to assets | 0.9855% | 2,389 |
| Return on assets (ROA) | 0.9855% | 2,536 |
| Pretax return on assets | 0.9855% | 3,572 |
| Return on Equity (ROE) | 12.1377% | 1,446 |
| Retained earnings to average equity (ytd only) | 3.9199% | 3,797 |
| Net charge-offs to loans | -0.0008% | 5,496 |
| Credit loss provision to net charge-offs | -30,900.0000% | 6,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2732% | 4,671 |
| Assets per employee ($millions) | 8.1164% | 439 |
| Cash dividends to net income (ytd only)* | 67.7048% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 3,770 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 85.1687% | 178 |
| Net loans and leases to deposits | 97.2068% | 592 |
| Net loans and leases to core deposits | 114.9806% | 416 |
| Total domestic deposits to total assets | 87.6160% | 2,487 |
| Equity capital to assets | 8.0338% | 6,175 |
| Core capital (leverage) ratio | 8.3264% | 5,853 |
| Tier 1 risk-based capital ratio | 9.7304% | 6,687 |
| Total risk-based capital ratio | 11.9952% | 6,400 |
| Memoranda: | ||
| Average total assets | $299,744,330 | 2,167 |
| Average earning assets | $278,614,330 | 2,139 |
| Average equity | $24,337,330 | 2,734 |
| Average total loans | $250,022,330 | 1,659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 4,022 |
| Cost of funding earning assets | 0.7704% | 1,704 |
| Net interest margin | 3.2533% | 4,721 |
| Noninterest income to average assets | 0.3317% | 5,046 |
| Noninterest expense to average assets | 2.1787% | 5,746 |
| Loan and lease loss provision to assets | 0.1706% | 2,155 |
| Net operating income to assets | 1.0074% | 2,192 |
| Return on assets (ROA) | 1.0074% | 2,308 |
| Pretax return on assets | 1.0074% | 3,314 |
| Return on Equity (ROE) | 12.3398% | 1,331 |
| Retained earnings to average equity (ytd only) | -4.2460% | 6,303 |
| Net charge-offs to loans | -0.0033% | 5,206 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9052% | 4,838 |
| Assets per employee ($millions) | 7.9743% | 492 |
| Cash dividends to net income (ytd only)* | 134.4086% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,810 |
| Loan loss allowance to noncurrent loans | 2,461.9048% | 222 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 3,685 |
| Noncurrent loans to loans | 0.0425% | 6,355 |
| Net loans and leases to total assets | 82.9398% | 237 |
| Net loans and leases to deposits | 94.9206% | 614 |
| Net loans and leases to core deposits | 113.4506% | 405 |
| Total domestic deposits to total assets | 87.3780% | 2,702 |
| Equity capital to assets | 8.1370% | 6,304 |
| Core capital (leverage) ratio | 8.2227% | 5,912 |
| Tier 1 risk-based capital ratio | 10.0464% | 6,684 |
| Total risk-based capital ratio | 12.3836% | 6,323 |
| Memoranda: | ||
| Average total assets | $295,405,500 | 2,220 |
| Average earning assets | $274,678,500 | 2,184 |
| Average equity | $24,117,000 | 2,796 |
| Average total loans | $242,310,500 | 1,716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 3,899 |
| Cost of funding earning assets | 0.9010% | 1,927 |
| Net interest margin | 3.4785% | 4,590 |
| Noninterest income to average assets | 0.5247% | 3,746 |
| Noninterest expense to average assets | 2.1618% | 6,000 |
| Loan and lease loss provision to assets | 0.4902% | 1,230 |
| Net operating income to assets | 1.1094% | 1,912 |
| Return on assets (ROA) | 1.1094% | 2,088 |
| Pretax return on assets | 1.1094% | 3,124 |
| Return on Equity (ROE) | 13.3117% | 1,153 |
| Retained earnings to average equity (ytd only) | 13.3117% | 238 |
| Net charge-offs to loans | 0.4962% | 2,253 |
| Credit loss provision to net charge-offs | 120.7428% | 2,373 |
| Earnings coverage of net charge-offs (x) | 3.9402% | 3,537 |
| Efficiency ratio | 57.4738% | 5,900 |
| Assets per employee ($millions) | 8.2156% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 5,833 |
| Loan loss allowance to noncurrent loans | 95.0484% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 3,881 |
| Noncurrent loans to loans | 1.0892% | 4,030 |
| Net loans and leases to total assets | 79.4105% | 525 |
| Net loans and leases to deposits | 90.8959% | 992 |
| Net loans and leases to core deposits | 104.5894% | 756 |
| Total domestic deposits to total assets | 87.3642% | 2,606 |
| Equity capital to assets | 8.1910% | 6,288 |
| Core capital (leverage) ratio | 8.4830% | 5,637 |
| Tier 1 risk-based capital ratio | 10.4471% | 6,573 |
| Total risk-based capital ratio | 12.8004% | 6,028 |
| Memoranda: | ||
| Average total assets | $271,951,600 | 2,325 |
| Average earning assets | $253,042,400 | 2,288 |
| Average equity | $22,664,200 | 2,889 |
| Average total loans | $222,511,400 | 1,818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 3,884 |
| Cost of funding earning assets | 0.9308% | 1,973 |
| Net interest margin | 3.5090% | 4,607 |
| Noninterest income to average assets | 0.5378% | 3,684 |
| Noninterest expense to average assets | 2.1584% | 6,036 |
| Loan and lease loss provision to assets | 0.5393% | 1,095 |
| Net operating income to assets | 1.1052% | 2,067 |
| Return on assets (ROA) | 1.1052% | 2,258 |
| Pretax return on assets | 1.1052% | 3,335 |
| Return on Equity (ROE) | 13.1991% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.1991% | 376 |
| Net charge-offs to loans | 0.6093% | 1,806 |
| Credit loss provision to net charge-offs | 107.6000% | 2,735 |
| Earnings coverage of net charge-offs (x) | 3.2810% | 3,714 |
| Efficiency ratio | 56.7550% | 5,954 |
| Assets per employee ($millions) | 7.9493% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,128 |
| Loan loss allowance to noncurrent loans | 750.4886% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 6,298 |
| Noncurrent loans to loans | 0.1318% | 6,269 |
| Net loans and leases to total assets | 82.9129% | 283 |
| Net loans and leases to deposits | 95.4716% | 693 |
| Net loans and leases to core deposits | 105.9485% | 743 |
| Total domestic deposits to total assets | 86.8456% | 2,772 |
| Equity capital to assets | 8.4021% | 6,351 |
| Core capital (leverage) ratio | 8.4850% | 5,771 |
| Tier 1 risk-based capital ratio | 10.2762% | 6,734 |
| Total risk-based capital ratio | 12.6078% | 6,285 |
| Memoranda: | ||
| Average total assets | $265,999,000 | 2,409 |
| Average earning assets | $247,511,250 | 2,371 |
| Average equity | $22,273,750 | 2,973 |
| Average total loans | $218,808,500 | 1,860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 4,246 |
| Cost of funding earning assets | 0.9729% | 1,920 |
| Net interest margin | 3.4106% | 5,040 |
| Noninterest income to average assets | 0.5360% | 3,677 |
| Noninterest expense to average assets | 2.1212% | 6,195 |
| Loan and lease loss provision to assets | 0.4490% | 1,433 |
| Net operating income to assets | 1.1324% | 1,942 |
| Return on assets (ROA) | 1.1324% | 2,156 |
| Pretax return on assets | 1.1324% | 3,178 |
| Return on Equity (ROE) | 13.5397% | 1,221 |
| Retained earnings to average equity (ytd only) | 13.5397% | 383 |
| Net charge-offs to loans | 0.9342% | 1,183 |
| Credit loss provision to net charge-offs | 58.8000% | 3,832 |
| Earnings coverage of net charge-offs (x) | 2.0710% | 3,951 |
| Efficiency ratio | 57.2902% | 5,955 |
| Assets per employee ($millions) | 8.3403% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,597 |
| Loan loss allowance to noncurrent loans | 403.5556% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,386 |
| Noncurrent loans to loans | 0.2069% | 6,166 |
| Net loans and leases to total assets | 78.3593% | 684 |
| Net loans and leases to deposits | 90.0907% | 1,141 |
| Net loans and leases to core deposits | 100.2370% | 1,083 |
| Total domestic deposits to total assets | 86.9782% | 2,776 |
| Equity capital to assets | 8.2302% | 6,427 |
| Core capital (leverage) ratio | 8.5429% | 5,591 |
| Tier 1 risk-based capital ratio | 10.4243% | 6,722 |
| Total risk-based capital ratio | 12.6406% | 6,259 |
| Memoranda: | ||
| Average total assets | $261,923,000 | 2,438 |
| Average earning assets | $243,181,330 | 2,411 |
| Average equity | $21,906,000 | 2,993 |
| Average total loans | $214,081,330 | 1,911 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 4,091 |
| Cost of funding earning assets | 1.0402% | 1,747 |
| Net interest margin | 3.4152% | 5,052 |
| Noninterest income to average assets | 0.5187% | 3,786 |
| Noninterest expense to average assets | 2.1844% | 6,082 |
| Loan and lease loss provision to assets | 0.2586% | 2,388 |
| Net operating income to assets | 1.2348% | 1,646 |
| Return on assets (ROA) | 1.2348% | 1,823 |
| Pretax return on assets | 1.2348% | 2,789 |
| Return on Equity (ROE) | 14.6380% | 1,050 |
| Retained earnings to average equity (ytd only) | 14.6380% | 489 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3950% | 5,710 |
| Assets per employee ($millions) | 8.1610% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 82.4003% | 251 |
| Net loans and leases to deposits | 93.9543% | 669 |
| Net loans and leases to core deposits | 98.1661% | 1,114 |
| Total domestic deposits to total assets | 87.7026% | 2,526 |
| Equity capital to assets | 8.4005% | 6,177 |
| Core capital (leverage) ratio | 8.5738% | 5,473 |
| Tier 1 risk-based capital ratio | 10.3237% | 6,789 |
| Total risk-based capital ratio | 11.4498% | 6,827 |
| Memoranda: | ||
| Average total assets | $255,269,000 | 2,516 |
| Average earning assets | $236,118,000 | 2,481 |
| Average equity | $21,533,000 | 3,033 |
| Average total loans | $212,379,500 | 1,934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 5,259 |
| Cost of funding earning assets | 1.1231% | 2,517 |
| Net interest margin | 3.3234% | 5,743 |
| Noninterest income to average assets | 0.3896% | 4,707 |
| Noninterest expense to average assets | 2.3109% | 6,014 |
| Loan and lease loss provision to assets | 0.2578% | 3,630 |
| Net operating income to assets | 0.9042% | 2,581 |
| Return on assets (ROA) | 0.9042% | 2,712 |
| Pretax return on assets | 0.9042% | 3,595 |
| Return on Equity (ROE) | 10.0111% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.0111% | 568 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5410% | 4,646 |
| Assets per employee ($millions) | 7.5572% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 5,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 82.1810% | 328 |
| Net loans and leases to deposits | 93.9848% | 814 |
| Net loans and leases to core deposits | 98.0828% | 1,321 |
| Total domestic deposits to total assets | 87.4408% | 2,501 |
| Equity capital to assets | 8.4720% | 6,176 |
| Core capital (leverage) ratio | 8.9298% | 4,892 |
| Tier 1 risk-based capital ratio | 10.1642% | 6,810 |
| Total risk-based capital ratio | 11.2361% | 6,855 |
| Memoranda: | ||
| Average total assets | $221,516,800 | 2,823 |
| Average earning assets | $205,511,600 | 2,785 |
| Average equity | $20,007,800 | 3,147 |
| Average total loans | $177,842,800 | 2,282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 5,603 |
| Cost of funding earning assets | 1.1458% | 2,658 |
| Net interest margin | 3.2537% | 6,003 |
| Noninterest income to average assets | 0.3126% | 5,364 |
| Noninterest expense to average assets | 2.2540% | 6,159 |
| Loan and lease loss provision to assets | 0.2256% | 3,755 |
| Net operating income to assets | 0.8613% | 2,904 |
| Return on assets (ROA) | 0.8613% | 3,055 |
| Pretax return on assets | 0.8613% | 3,910 |
| Return on Equity (ROE) | 9.3673% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.3673% | 1,020 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4665% | 4,430 |
| Assets per employee ($millions) | 7.1576% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 80.6447% | 449 |
| Net loans and leases to deposits | 93.1200% | 909 |
| Net loans and leases to core deposits | 95.5522% | 1,650 |
| Total domestic deposits to total assets | 86.6030% | 2,881 |
| Equity capital to assets | 8.9442% | 5,814 |
| Core capital (leverage) ratio | 9.2177% | 4,596 |
| Tier 1 risk-based capital ratio | 10.8939% | 6,605 |
| Total risk-based capital ratio | 11.9681% | 6,680 |
| Memoranda: | ||
| Average total assets | $214,549,500 | 2,905 |
| Average earning assets | $199,685,750 | 2,865 |
| Average equity | $19,727,750 | 3,187 |
| Average total loans | $170,509,500 | 2,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 5,927 |
| Cost of funding earning assets | 1.1705% | 2,772 |
| Net interest margin | 3.1558% | 6,271 |
| Noninterest income to average assets | 0.2537% | 5,836 |
| Noninterest expense to average assets | 2.1763% | 6,436 |
| Loan and lease loss provision to assets | 0.2317% | 3,588 |
| Net operating income to assets | 0.7820% | 3,148 |
| Return on assets (ROA) | 0.7820% | 3,276 |
| Pretax return on assets | 0.7820% | 4,093 |
| Return on Equity (ROE) | 8.4211% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.4211% | 1,293 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2212% | 4,477 |
| Assets per employee ($millions) | 6.9548% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 6,008 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 7,049 |
| Noncurrent loans to loans | 0.0286% | 6,912 |
| Net loans and leases to total assets | 80.1795% | 514 |
| Net loans and leases to deposits | 93.1747% | 930 |
| Net loans and leases to core deposits | 95.7717% | 1,704 |
| Total domestic deposits to total assets | 86.0529% | 3,299 |
| Equity capital to assets | 9.2254% | 5,241 |
| Core capital (leverage) ratio | 9.2772% | 4,280 |
| Tier 1 risk-based capital ratio | 11.3452% | 6,286 |
| Total risk-based capital ratio | 12.4290% | 6,389 |
| Memoranda: | ||
| Average total assets | $209,718,330 | 2,978 |
| Average earning assets | $195,130,670 | 2,937 |
| Average equity | $19,475,000 | 3,205 |
| Average total loans | $165,102,330 | 2,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 6,178 |
| Cost of funding earning assets | 1.2179% | 2,698 |
| Net interest margin | 3.0208% | 6,530 |
| Noninterest income to average assets | 0.2109% | 6,227 |
| Noninterest expense to average assets | 1.8706% | 7,040 |
| Loan and lease loss provision to assets | 0.2457% | 3,208 |
| Net operating income to assets | 0.9015% | 2,559 |
| Return on assets (ROA) | 0.9015% | 2,619 |
| Pretax return on assets | 0.9015% | 3,490 |
| Return on Equity (ROE) | 9.6743% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.6743% | 1,192 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9872% | 5,680 |
| Assets per employee ($millions) | 7.4357% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 6,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 75.3144% | 1,133 |
| Net loans and leases to deposits | 87.3347% | 1,544 |
| Net loans and leases to core deposits | 89.9277% | 2,357 |
| Total domestic deposits to total assets | 86.2365% | 3,375 |
| Equity capital to assets | 9.0490% | 5,124 |
| Core capital (leverage) ratio | 9.3772% | 3,999 |
| Tier 1 risk-based capital ratio | 11.6393% | 5,992 |
| Total risk-based capital ratio | 12.7034% | 6,125 |
| Memoranda: | ||
| Average total assets | $206,777,500 | 3,025 |
| Average earning assets | $192,134,000 | 2,982 |
| Average equity | $19,267,500 | 3,224 |
| Average total loans | $160,270,000 | 2,559 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 6,769 |
| Cost of funding earning assets | 1.2676% | 4,096 |
| Net interest margin | 3.0456% | 6,648 |
| Noninterest income to average assets | 0.2947% | 5,677 |
| Noninterest expense to average assets | 2.1933% | 6,632 |
| Loan and lease loss provision to assets | 0.2419% | 4,866 |
| Net operating income to assets | 0.6942% | 3,251 |
| Return on assets (ROA) | 0.6942% | 3,381 |
| Pretax return on assets | 0.6942% | 3,996 |
| Return on Equity (ROE) | 6.4865% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.4865% | 1,559 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0861% | 4,165 |
| Assets per employee ($millions) | 6.8248% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 78.1603% | 920 |
| Net loans and leases to deposits | 91.6667% | 1,301 |
| Net loans and leases to core deposits | 94.6639% | 2,178 |
| Total domestic deposits to total assets | 85.2657% | 3,730 |
| Equity capital to assets | 9.6110% | 4,261 |
| Core capital (leverage) ratio | 9.9449% | 3,149 |
| Tier 1 risk-based capital ratio | 12.3176% | 5,190 |
| Total risk-based capital ratio | 13.3905% | 5,324 |
| Memoranda: | ||
| Average total assets | $170,704,600 | 3,521 |
| Average earning assets | $158,885,600 | 3,468 |
| Average equity | $18,268,800 | 3,385 |
| Average total loans | $130,876,400 | 3,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 6,961 |
| Cost of funding earning assets | 1.2682% | 4,450 |
| Net interest margin | 3.0368% | 6,757 |
| Noninterest income to average assets | 0.2343% | 6,208 |
| Noninterest expense to average assets | 2.2428% | 6,484 |
| Loan and lease loss provision to assets | 0.2148% | 4,919 |
| Net operating income to assets | 0.6052% | 3,859 |
| Return on assets (ROA) | 0.6052% | 4,018 |
| Pretax return on assets | 0.6052% | 4,578 |
| Return on Equity (ROE) | 5.4865% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.4865% | 2,657 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2271% | 3,479 |
| Assets per employee ($millions) | 6.2506% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.4036% | 574 |
| Net loans and leases to deposits | 97.6150% | 827 |
| Net loans and leases to core deposits | 100.8430% | 1,764 |
| Total domestic deposits to total assets | 83.3926% | 4,419 |
| Equity capital to assets | 10.6029% | 3,406 |
| Core capital (leverage) ratio | 11.4946% | 1,941 |
| Tier 1 risk-based capital ratio | 12.7887% | 4,740 |
| Total risk-based capital ratio | 13.8279% | 4,891 |
| Memoranda: | ||
| Average total assets | $163,901,000 | 3,681 |
| Average earning assets | $152,654,500 | 3,644 |
| Average equity | $18,080,500 | 3,459 |
| Average total loans | $124,507,750 | 3,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 7,169 |
| Cost of funding earning assets | 1.3290% | 4,348 |
| Net interest margin | 2.8717% | 7,049 |
| Noninterest income to average assets | 0.1710% | 6,681 |
| Noninterest expense to average assets | 2.2485% | 6,508 |
| Loan and lease loss provision to assets | 0.1948% | 4,932 |
| Net operating income to assets | 0.4282% | 4,626 |
| Return on assets (ROA) | 0.4282% | 4,787 |
| Pretax return on assets | 0.4282% | 5,127 |
| Return on Equity (ROE) | 3.8278% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.8278% | 3,655 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3043% | 2,675 |
| Assets per employee ($millions) | 5.7612% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 6,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 83.6056% | 386 |
| Net loans and leases to deposits | 94.9742% | 1,153 |
| Net loans and leases to core deposits | 98.2800% | 2,198 |
| Total domestic deposits to total assets | 88.0298% | 1,985 |
| Equity capital to assets | 11.6616% | 2,311 |
| Core capital (leverage) ratio | 11.5372% | 1,896 |
| Tier 1 risk-based capital ratio | 14.0323% | 3,709 |
| Total risk-based capital ratio | 15.1153% | 3,790 |
| Memoranda: | ||
| Average total assets | $160,195,330 | 3,791 |
| Average earning assets | $150,641,670 | 3,696 |
| Average equity | $17,921,670 | 3,478 |
| Average total loans | $118,017,330 | 3,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 7,479 |
| Cost of funding earning assets | 1.4629% | 3,791 |
| Net interest margin | 2.5104% | 7,467 |
| Noninterest income to average assets | 0.0911% | 7,253 |
| Noninterest expense to average assets | 2.1364% | 6,848 |
| Loan and lease loss provision to assets | 0.1255% | 5,322 |
| Net operating income to assets | 0.1944% | 5,710 |
| Return on assets (ROA) | 0.1944% | 5,830 |
| Pretax return on assets | 0.1944% | 5,891 |
| Return on Equity (ROE) | 1.7740% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.7740% | 5,048 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9739% | 1,688 |
| Assets per employee ($millions) | 6.3180% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 6,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 71.4217% | 2,583 |
| Net loans and leases to deposits | 80.3951% | 3,577 |
| Net loans and leases to core deposits | 82.8564% | 4,371 |
| Total domestic deposits to total assets | 88.8384% | 1,601 |
| Equity capital to assets | 10.8725% | 2,872 |
| Core capital (leverage) ratio | 10.8694% | 2,320 |
| Tier 1 risk-based capital ratio | 14.5993% | 3,320 |
| Total risk-based capital ratio | 15.6578% | 3,398 |
| Memoranda: | ||
| Average total assets | $162,516,500 | 3,791 |
| Average earning assets | $153,120,500 | 3,703 |
| Average equity | $17,812,500 | 3,518 |
| Average total loans | $111,300,500 | 3,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 7,778 |
| Cost of funding earning assets | 1.8454% | 3,763 |
| Net interest margin | 1.8735% | 7,787 |
| Noninterest income to average assets | 0.0335% | 7,575 |
| Noninterest expense to average assets | 2.8231% | 4,876 |
| Loan and lease loss provision to assets | 0.8446% | 2,623 |
| Net operating income to assets | -1.8709% | 7,034 |
| Return on assets (ROA) | -1.8709% | 7,036 |
| Pretax return on assets | -1.8709% | 6,888 |
| Return on Equity (ROE) | -11.3219% | 6,721 |
| Retained earnings to average equity (ytd only) | -11.3219% | 6,626 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.1148% | 266 |
| Assets per employee ($millions) | 6.9898% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.9063% | 4,621 |
| Net loans and leases to deposits | 72.0879% | 5,311 |
| Net loans and leases to core deposits | 84.8851% | 5,631 |
| Total domestic deposits to total assets | 88.6505% | 1,654 |
| Equity capital to assets | 11.0503% | 2,673 |
| Core capital (leverage) ratio | 11.3719% | 1,988 |
| Tier 1 risk-based capital ratio | 15.9803% | 2,533 |
| Total risk-based capital ratio | 17.0994% | 2,521 |
| Memoranda: | ||
| Average total assets | $113,423,000 | 4,746 |
| Average earning assets | $106,754,000 | 4,660 |
| Average equity | $18,742,400 | 3,386 |
| Average total loans | $64,940,400 | 5,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 7,920 |
| Cost of funding earning assets | 1.9056% | 3,854 |
| Net interest margin | 1.6982% | 7,914 |
| Noninterest income to average assets | 0.0302% | 7,732 |
| Noninterest expense to average assets | 2.9964% | 4,055 |
| Loan and lease loss provision to assets | 0.8190% | 2,325 |
| Net operating income to assets | -2.1839% | 7,377 |
| Return on assets (ROA) | -2.1839% | 7,372 |
| Pretax return on assets | -2.1839% | 7,245 |
| Return on Equity (ROE) | -11.6850% | 7,000 |
| Retained earnings to average equity (ytd only) | -11.6850% | 6,929 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.6685% | 184 |
| Assets per employee ($millions) | 6.5309% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.4454% | 6,332 |
| Net loans and leases to deposits | 62.1494% | 6,661 |
| Net loans and leases to core deposits | 73.5095% | 6,753 |
| Total domestic deposits to total assets | 87.6041% | 1,846 |
| Equity capital to assets | 12.1209% | 2,174 |
| Core capital (leverage) ratio | 12.9049% | 1,406 |
| Tier 1 risk-based capital ratio | 19.2885% | 1,688 |
| Total risk-based capital ratio | 20.2526% | 1,707 |
| Memoranda: | ||
| Average total assets | $101,587,500 | 5,077 |
| Average earning assets | $95,784,000 | 4,988 |
| Average equity | $18,986,750 | 3,370 |
| Average total loans | $55,179,750 | 5,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 8,025 |
| Cost of funding earning assets | 1.8909% | 4,311 |
| Net interest margin | 1.6190% | 7,983 |
| Noninterest income to average assets | 0.0258% | 7,851 |
| Noninterest expense to average assets | 3.3825% | 2,680 |
| Loan and lease loss provision to assets | 0.9698% | 1,740 |
| Net operating income to assets | -2.8063% | 7,635 |
| Return on assets (ROA) | -2.8063% | 7,627 |
| Pretax return on assets | -2.8063% | 7,504 |
| Return on Equity (ROE) | -12.4489% | 7,197 |
| Retained earnings to average equity (ytd only) | -12.4489% | 7,083 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.7879% | 162 |
| Assets per employee ($millions) | 5.2381% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.2340% | 6,656 |
| Net loans and leases to deposits | 62.1789% | 6,721 |
| Net loans and leases to core deposits | 72.2370% | 6,881 |
| Total domestic deposits to total assets | 84.0061% | 3,769 |
| Equity capital to assets | 15.4918% | 933 |
| Core capital (leverage) ratio | 18.3851% | 469 |
| Tier 1 risk-based capital ratio | 25.4667% | 900 |
| Total risk-based capital ratio | 26.4218% | 906 |
| Memoranda: | ||
| Average total assets | $85,379,670 | 5,605 |
| Average earning assets | $80,172,000 | 5,522 |
| Average equity | $19,246,670 | 3,362 |
| Average total loans | $46,008,670 | 5,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 8,102 |
| Cost of funding earning assets | 1.6835% | 5,669 |
| Net interest margin | 1.7466% | 7,994 |
| Noninterest income to average assets | 0.0177% | 7,988 |
| Noninterest expense to average assets | 3.9333% | 1,263 |
| Loan and lease loss provision to assets | 1.4507% | 873 |
| Net operating income to assets | -3.7328% | 7,956 |
| Return on assets (ROA) | -3.7328% | 7,947 |
| Pretax return on assets | -3.7328% | 7,875 |
| Return on Equity (ROE) | -12.9594% | 7,520 |
| Retained earnings to average equity (ytd only) | -12.9594% | 7,325 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 238.2143% | 136 |
| Assets per employee ($millions) | 3.5920% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.5656% | 5,564 |
| Net loans and leases to deposits | 80.6994% | 4,501 |
| Net loans and leases to core deposits | 87.6465% | 5,772 |
| Total domestic deposits to total assets | 75.0509% | 6,705 |
| Equity capital to assets | 24.3265% | 238 |
| Core capital (leverage) ratio | 30.6118% | 147 |
| Tier 1 risk-based capital ratio | 35.4372% | 421 |
| Total risk-based capital ratio | 36.4181% | 422 |
| Memoranda: | ||
| Average total assets | $67,831,000 | 6,186 |
| Average earning assets | $63,438,000 | 6,130 |
| Average equity | $19,538,000 | 3,336 |
| Average total loans | $37,198,000 | 6,370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5175% | 8,283 |
| Cost of funding earning assets | 0.2028% | 8,241 |
| Net interest margin | 0.3146% | 8,278 |
| Noninterest income to average assets | 0.0018% | 8,101 |
| Noninterest expense to average assets | 1.2289% | 8,152 |
| Loan and lease loss provision to assets | 0.5050% | 2,793 |
| Net operating income to assets | -1.4390% | 7,438 |
| Return on assets (ROA) | -1.4390% | 7,385 |
| Pretax return on assets | -1.4390% | 7,227 |
| Return on Equity (ROE) | -4.1054% | 6,759 |
| Retained earnings to average equity (ytd only) | -4.1054% | 6,343 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 416.7665% | 62 |
| Assets per employee ($millions) | 2.6970% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.4049% | 7,380 |
| Net loans and leases to deposits | 70.8371% | 6,189 |
| Net loans and leases to core deposits | 72.8519% | 7,028 |
| Total domestic deposits to total assets | 64.0977% | 7,789 |
| Equity capital to assets | 35.0513% | 124 |
| Core capital (leverage) ratio | 59.3569% | 63 |
| Tier 1 risk-based capital ratio | 57.2372% | 165 |
| Total risk-based capital ratio | 58.0622% | 166 |
| Memoranda: | ||
| Average total assets | $56,637,000 | 6,508 |
| Average earning assets | $52,758,000 | 6,473 |
| Average equity | $19,852,000 | 3,254 |
| Average total loans | $26,002,000 | 6,965 |