Home > Malaga Bank F.S.B. > Performance and Condition Ratios
Malaga Bank F.S.B., 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 | 4.5676% | 2,976 |
| Cost of funding earning assets | 1.4033% | 2,222 |
| Net interest margin | 3.1643% | 2,956 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 0.9197% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5741% | 902 |
| Return on assets (ROA) | 1.5741% | 870 |
| Pretax return on assets | 2.2347% | 472 |
| Return on Equity (ROE) | 11.8900% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.9023% | 1,571 |
| Net charge-offs to loans | -0.0005% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 29.1115% | 4,498 |
| Assets per employee ($millions) | 21.0577% | 92 |
| Cash dividends to net income (ytd only)* | 33.5345% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3070% | 4,423 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 86.1000% | 154 |
| Net loans and leases to deposits | 135.7126% | 30 |
| Net loans and leases to core deposits | 184.6614% | 96 |
| Total domestic deposits to total assets | 63.4400% | 4,410 |
| Equity capital to assets | 14.1500% | 652 |
| Core capital (leverage) ratio | 13.7552% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3018% | 332 |
| Memoranda: | ||
| Average total assets | $1,515,533,400 | 712 |
| Average earning assets | $1,483,576,600 | 670 |
| Average equity | $200,649,600 | 538 |
| Average total loans | $1,278,535,800 | 595 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,996 |
| Cost of funding earning assets | 1.1916% | 2,020 |
| Net interest margin | 3.1593% | 3,082 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 0.9135% | 4,560 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5667% | 993 |
| Return on assets (ROA) | 1.5667% | 990 |
| Pretax return on assets | 2.2243% | 515 |
| Return on Equity (ROE) | 12.0800% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.0140% | 1,955 |
| Net charge-offs to loans | -0.0005% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 28.9245% | 4,549 |
| Assets per employee ($millions) | 20.8563% | 88 |
| Cash dividends to net income (ytd only)* | 33.6644% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3078% | 4,473 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 83.6800% | 292 |
| Net loans and leases to deposits | 129.8672% | 53 |
| Net loans and leases to core deposits | 169.7865% | 80 |
| Total domestic deposits to total assets | 64.4300% | 4,451 |
| Equity capital to assets | 12.9977% | 812 |
| Core capital (leverage) ratio | 13.3465% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6563% | 403 |
| Memoranda: | ||
| Average total assets | $1,516,818,000 | 703 |
| Average earning assets | $1,484,952,667 | 665 |
| Average equity | $196,706,333 | 534 |
| Average total loans | $1,279,078,000 | 578 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,698 |
| Cost of funding earning assets | 1.0801% | 1,808 |
| Net interest margin | 3.2626% | 2,965 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 0.9216% | 4,636 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6164% | 949 |
| Return on assets (ROA) | 1.6164% | 950 |
| Pretax return on assets | 2.2948% | 492 |
| Return on Equity (ROE) | 12.4800% | 2,100 |
| Retained earnings to average equity (ytd only) | 8.3714% | 2,126 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 28.3447% | 4,617 |
| Assets per employee ($millions) | 19.9794% | 94 |
| Cash dividends to net income (ytd only)* | 32.9164% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3076% | 4,534 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.6600% | 145 |
| Net loans and leases to deposits | 134.6013% | 36 |
| Net loans and leases to core deposits | 176.5606% | 56 |
| Total domestic deposits to total assets | 63.6400% | 4,516 |
| Equity capital to assets | 13.1333% | 731 |
| Core capital (leverage) ratio | 13.0956% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5895% | 463 |
| Memoranda: | ||
| Average total assets | $1,503,542,500 | 722 |
| Average earning assets | $1,471,730,500 | 682 |
| Average equity | $194,758,500 | 547 |
| Average total loans | $1,270,883,000 | 591 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 2,789 |
| Cost of funding earning assets | 0.6457% | 733 |
| Net interest margin | 2.9600% | 3,547 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 0.8791% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4649% | 971 |
| Return on assets (ROA) | 1.4649% | 932 |
| Pretax return on assets | 2.0818% | 391 |
| Return on Equity (ROE) | 11.8100% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.4937% | 2,028 |
| Net charge-offs to loans | -0.0003% | 3,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 29.6722% | 4,657 |
| Assets per employee ($millions) | 20.1150% | 94 |
| Cash dividends to net income (ytd only)* | 36.5497% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3053% | 4,546 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.8900% | 336 |
| Net loans and leases to deposits | 123.1904% | 62 |
| Net loans and leases to core deposits | 157.4622% | 77 |
| Total domestic deposits to total assets | 67.2800% | 4,514 |
| Equity capital to assets | 12.7745% | 747 |
| Core capital (leverage) ratio | 12.9412% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8167% | 429 |
| Memoranda: | ||
| Average total assets | $1,494,160,000 | 701 |
| Average earning assets | $1,465,253,800 | 669 |
| Average equity | $185,329,600 | 561 |
| Average total loans | $1,237,717,600 | 566 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 2,750 |
| Cost of funding earning assets | 0.5935% | 452 |
| Net interest margin | 2.8669% | 3,576 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.8789% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4067% | 1,074 |
| Return on assets (ROA) | 1.4067% | 1,046 |
| Pretax return on assets | 1.9977% | 469 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.0675% | 2,340 |
| Net charge-offs to loans | -0.0001% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 30.5915% | 4,688 |
| Assets per employee ($millions) | 21.3917% | 88 |
| Cash dividends to net income (ytd only)* | 38.1534% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3047% | 4,585 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 83.3500% | 295 |
| Net loans and leases to deposits | 119.4127% | 57 |
| Net loans and leases to core deposits | 150.5384% | 65 |
| Total domestic deposits to total assets | 69.8000% | 4,541 |
| Equity capital to assets | 12.7747% | 718 |
| Core capital (leverage) ratio | 12.5705% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2708% | 475 |
| Memoranda: | ||
| Average total assets | $1,490,543,250 | 711 |
| Average earning assets | $1,462,327,000 | 678 |
| Average equity | $183,482,000 | 574 |
| Average total loans | $1,233,572,250 | 559 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3183% | 2,681 |
| Cost of funding earning assets | 0.5676% | 351 |
| Net interest margin | 2.7507% | 3,573 |
| Noninterest income to average assets | 0.0626% | 4,604 |
| Noninterest expense to average assets | 0.8790% | 4,713 |
| Loan and lease loss provision to assets | -0.0110% | 4,403 |
| Net operating income to assets | 1.3352% | 1,062 |
| Return on assets (ROA) | 1.3352% | 1,040 |
| Pretax return on assets | 1.8934% | 473 |
| Return on Equity (ROE) | 10.9830% | 1,980 |
| Retained earnings to average equity (ytd only) | 6.5823% | 2,145 |
| Net charge-offs to loans | -0.0002% | 2,962 |
| Credit loss provision to net charge-offs | 8,200.0000% | 70 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8303% | 4,705 |
| Assets per employee ($millions) | 21.6895% | 87 |
| Cash dividends to net income (ytd only)* | 40.0681% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3040% | 4,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.2916% | 381 |
| Net loans and leases to deposits | 113.1583% | 72 |
| Net loans and leases to core deposits | 142.2690% | 72 |
| Total domestic deposits to total assets | 70.9551% | 4,604 |
| Equity capital to assets | 12.1728% | 824 |
| Core capital (leverage) ratio | 12.3900% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7129% | 488 |
| Memoranda: | ||
| Average total assets | $1,495,381,667 | 700 |
| Average earning assets | $1,467,214,667 | 673 |
| Average equity | $181,790,000 | 587 |
| Average total loans | $1,233,410,000 | 553 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3036% | 2,380 |
| Cost of funding earning assets | 0.5679% | 324 |
| Net interest margin | 2.7356% | 3,323 |
| Noninterest income to average assets | 0.0555% | 4,647 |
| Noninterest expense to average assets | 0.8933% | 4,743 |
| Loan and lease loss provision to assets | -0.0164% | 4,439 |
| Net operating income to assets | 1.3184% | 963 |
| Return on assets (ROA) | 1.3184% | 950 |
| Pretax return on assets | 1.8623% | 480 |
| Return on Equity (ROE) | 10.8522% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.4146% | 2,104 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6117% | 4,721 |
| Assets per employee ($millions) | 20.2027% | 99 |
| Cash dividends to net income (ytd only)* | 40.8914% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3042% | 4,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.9114% | 170 |
| Net loans and leases to deposits | 116.0548% | 40 |
| Net loans and leases to core deposits | 147.2401% | 46 |
| Total domestic deposits to total assets | 70.5799% | 4,653 |
| Equity capital to assets | 12.1554% | 904 |
| Core capital (leverage) ratio | 12.1981% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1084% | 546 |
| Memoranda: | ||
| Average total assets | $1,483,940,000 | 703 |
| Average earning assets | $1,455,767,000 | 676 |
| Average equity | $180,277,500 | 600 |
| Average total loans | $1,238,737,000 | 545 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 2,498 |
| Cost of funding earning assets | 0.6225% | 488 |
| Net interest margin | 2.9333% | 3,363 |
| Noninterest income to average assets | 0.0625% | 4,699 |
| Noninterest expense to average assets | 0.8827% | 4,777 |
| Loan and lease loss provision to assets | 0.0079% | 2,929 |
| Net operating income to assets | 1.4405% | 1,159 |
| Return on assets (ROA) | 1.4405% | 1,235 |
| Pretax return on assets | 2.0454% | 558 |
| Return on Equity (ROE) | 11.5674% | 1,959 |
| Retained earnings to average equity (ytd only) | 6.9365% | 1,943 |
| Net charge-offs to loans | -0.0002% | 3,208 |
| Credit loss provision to net charge-offs | -3,633.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0653% | 4,793 |
| Assets per employee ($millions) | 19.9037% | 103 |
| Cash dividends to net income (ytd only)* | 40.0340% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3040% | 4,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.5530% | 94 |
| Net loans and leases to deposits | 121.7764% | 34 |
| Net loans and leases to core deposits | 156.1802% | 46 |
| Total domestic deposits to total assets | 69.4330% | 4,695 |
| Equity capital to assets | 12.1417% | 1,196 |
| Core capital (leverage) ratio | 12.3047% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0206% | 557 |
| Memoranda: | ||
| Average total assets | $1,387,194,600 | 722 |
| Average earning assets | $1,358,910,800 | 692 |
| Average equity | $172,753,200 | 622 |
| Average total loans | $1,225,937,400 | 555 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 2,592 |
| Cost of funding earning assets | 0.6297% | 541 |
| Net interest margin | 2.9589% | 3,420 |
| Noninterest income to average assets | 0.0639% | 4,769 |
| Noninterest expense to average assets | 0.8851% | 4,857 |
| Loan and lease loss provision to assets | 0.0082% | 2,818 |
| Net operating income to assets | 1.4565% | 1,374 |
| Return on assets (ROA) | 1.4565% | 1,434 |
| Pretax return on assets | 2.0681% | 712 |
| Return on Equity (ROE) | 11.6174% | 2,172 |
| Retained earnings to average equity (ytd only) | 6.9455% | 2,440 |
| Net charge-offs to loans | -0.0005% | 3,087 |
| Credit loss provision to net charge-offs | -1,680.0000% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8886% | 4,861 |
| Assets per employee ($millions) | 19.8305% | 105 |
| Cash dividends to net income (ytd only)* | 40.2145% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3030% | 4,814 |
| 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 | 86.9831% | 55 |
| Net loans and leases to deposits | 127.5093% | 31 |
| Net loans and leases to core deposits | 161.6031% | 48 |
| Total domestic deposits to total assets | 68.2171% | 4,774 |
| Equity capital to assets | 12.3105% | 1,257 |
| Core capital (leverage) ratio | 12.4262% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0097% | 601 |
| Memoranda: | ||
| Average total assets | $1,365,774,000 | 739 |
| Average earning assets | $1,337,462,500 | 707 |
| Average equity | $171,233,500 | 635 |
| Average total loans | $1,220,132,000 | 567 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 2,608 |
| Cost of funding earning assets | 0.6349% | 622 |
| Net interest margin | 2.9696% | 3,394 |
| Noninterest income to average assets | 0.0669% | 4,797 |
| Noninterest expense to average assets | 0.8999% | 4,891 |
| Loan and lease loss provision to assets | 0.0059% | 2,782 |
| Net operating income to assets | 1.4585% | 1,403 |
| Return on assets (ROA) | 1.4585% | 1,467 |
| Pretax return on assets | 2.0681% | 726 |
| Return on Equity (ROE) | 11.5589% | 2,213 |
| Retained earnings to average equity (ytd only) | 6.8453% | 2,488 |
| Net charge-offs to loans | -0.0002% | 3,022 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2585% | 4,892 |
| Assets per employee ($millions) | 19.0760% | 111 |
| Cash dividends to net income (ytd only)* | 40.7789% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3013% | 4,849 |
| 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 | 88.5516% | 31 |
| Net loans and leases to deposits | 130.6273% | 33 |
| Net loans and leases to core deposits | 165.2288% | 51 |
| Total domestic deposits to total assets | 67.7895% | 4,797 |
| Equity capital to assets | 12.3987% | 1,184 |
| Core capital (leverage) ratio | 12.6731% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8951% | 623 |
| Memoranda: | ||
| Average total assets | $1,345,100,333 | 748 |
| Average earning assets | $1,316,737,000 | 714 |
| Average equity | $169,722,000 | 636 |
| Average total loans | $1,211,604,000 | 570 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 2,519 |
| Cost of funding earning assets | 0.6456% | 715 |
| Net interest margin | 2.9953% | 3,269 |
| Noninterest income to average assets | 0.0569% | 4,834 |
| Noninterest expense to average assets | 0.9315% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4561% | 1,429 |
| Return on assets (ROA) | 1.4561% | 1,497 |
| Pretax return on assets | 2.0563% | 864 |
| Return on Equity (ROE) | 11.4351% | 2,207 |
| Retained earnings to average equity (ytd only) | 6.6804% | 2,671 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1753% | 4,902 |
| Assets per employee ($millions) | 17.7494% | 134 |
| Cash dividends to net income (ytd only)* | 41.5800% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3069% | 4,872 |
| 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 | 89.9575% | 23 |
| Net loans and leases to deposits | 136.3475% | 33 |
| Net loans and leases to core deposits | 168.5054% | 54 |
| Total domestic deposits to total assets | 65.9766% | 4,838 |
| Equity capital to assets | 12.7447% | 981 |
| Core capital (leverage) ratio | 12.8466% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4269% | 560 |
| Memoranda: | ||
| Average total assets | $1,321,377,000 | 751 |
| Average earning assets | $1,292,977,000 | 716 |
| Average equity | $168,254,000 | 638 |
| Average total loans | $1,198,981,500 | 574 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 3,151 |
| Cost of funding earning assets | 0.8189% | 1,133 |
| Net interest margin | 3.0363% | 3,806 |
| Noninterest income to average assets | 0.0610% | 4,844 |
| Noninterest expense to average assets | 0.9441% | 4,940 |
| Loan and lease loss provision to assets | 0.0126% | 4,214 |
| Net operating income to assets | 1.4631% | 893 |
| Return on assets (ROA) | 1.4631% | 972 |
| Pretax return on assets | 2.0724% | 388 |
| Return on Equity (ROE) | 11.6225% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.6628% | 1,526 |
| Net charge-offs to loans | -0.0001% | 3,889 |
| Credit loss provision to net charge-offs | -16,200.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1666% | 4,955 |
| Assets per employee ($millions) | 17.9664% | 117 |
| Cash dividends to net income (ytd only)* | 42.6735% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3080% | 4,897 |
| 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 | 90.9667% | 19 |
| Net loans and leases to deposits | 139.0696% | 27 |
| Net loans and leases to core deposits | 170.2588% | 60 |
| Total domestic deposits to total assets | 65.4109% | 4,856 |
| Equity capital to assets | 12.7216% | 1,219 |
| Core capital (leverage) ratio | 12.7989% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7592% | 522 |
| Memoranda: | ||
| Average total assets | $1,281,344,000 | 709 |
| Average earning assets | $1,252,589,600 | 675 |
| Average equity | $161,299,000 | 632 |
| Average total loans | $1,174,458,400 | 556 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 3,332 |
| Cost of funding earning assets | 0.8604% | 1,210 |
| Net interest margin | 3.0163% | 3,936 |
| Noninterest income to average assets | 0.0623% | 4,871 |
| Noninterest expense to average assets | 0.9373% | 4,983 |
| Loan and lease loss provision to assets | 0.0122% | 4,158 |
| Net operating income to assets | 1.4551% | 985 |
| Return on assets (ROA) | 1.4551% | 1,072 |
| Pretax return on assets | 2.0609% | 457 |
| Return on Equity (ROE) | 11.5911% | 1,483 |
| Retained earnings to average equity (ytd only) | 6.5885% | 1,851 |
| Net charge-offs to loans | -0.0001% | 3,762 |
| Credit loss provision to net charge-offs | -11,600.0000% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1370% | 4,986 |
| Assets per employee ($millions) | 17.8113% | 112 |
| Cash dividends to net income (ytd only)* | 43.1593% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 4,928 |
| 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 | 92.2629% | 15 |
| Net loans and leases to deposits | 145.3061% | 30 |
| Net loans and leases to core deposits | 180.6569% | 51 |
| Total domestic deposits to total assets | 63.4955% | 4,894 |
| Equity capital to assets | 12.7887% | 1,283 |
| Core capital (leverage) ratio | 12.5053% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1217% | 662 |
| Memoranda: | ||
| Average total assets | $1,273,793,500 | 703 |
| Average earning assets | $1,244,970,500 | 657 |
| Average equity | $159,911,500 | 629 |
| Average total loans | $1,168,884,000 | 549 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,692 |
| Cost of funding earning assets | 0.9074% | 1,340 |
| Net interest margin | 2.9651% | 4,200 |
| Noninterest income to average assets | 0.0655% | 4,877 |
| Noninterest expense to average assets | 0.9330% | 5,017 |
| Loan and lease loss provision to assets | 0.0183% | 4,008 |
| Net operating income to assets | 1.4210% | 1,065 |
| Return on assets (ROA) | 1.4210% | 1,155 |
| Pretax return on assets | 2.0119% | 534 |
| Return on Equity (ROE) | 11.3909% | 1,517 |
| Retained earnings to average equity (ytd only) | 6.3451% | 1,924 |
| Net charge-offs to loans | -0.0002% | 3,710 |
| Credit loss provision to net charge-offs | -11,600.0000% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4870% | 5,010 |
| Assets per employee ($millions) | 17.5370% | 111 |
| Cash dividends to net income (ytd only)* | 44.2968% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3064% | 4,952 |
| 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 | 90.0424% | 29 |
| Net loans and leases to deposits | 139.4665% | 38 |
| Net loans and leases to core deposits | 188.8214% | 46 |
| Total domestic deposits to total assets | 64.5620% | 4,908 |
| Equity capital to assets | 12.2507% | 1,512 |
| Core capital (leverage) ratio | 12.5605% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0600% | 662 |
| Memoranda: | ||
| Average total assets | $1,270,920,333 | 684 |
| Average earning assets | $1,242,038,333 | 647 |
| Average equity | $158,547,333 | 633 |
| Average total loans | $1,162,901,667 | 546 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,962 |
| Cost of funding earning assets | 1.0049% | 1,394 |
| Net interest margin | 2.9331% | 4,379 |
| Noninterest income to average assets | 0.0647% | 4,938 |
| Noninterest expense to average assets | 0.9568% | 5,065 |
| Loan and lease loss provision to assets | 0.0173% | 3,580 |
| Net operating income to assets | 1.3796% | 1,040 |
| Return on assets (ROA) | 1.3796% | 1,116 |
| Pretax return on assets | 1.9562% | 503 |
| Return on Equity (ROE) | 10.9554% | 1,420 |
| Retained earnings to average equity (ytd only) | 5.8682% | 1,929 |
| Net charge-offs to loans | -0.0014% | 3,623 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6519% | 5,052 |
| Assets per employee ($millions) | 16.6671% | 105 |
| Cash dividends to net income (ytd only)* | 46.4360% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3093% | 4,987 |
| 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 | 92.3201% | 12 |
| Net loans and leases to deposits | 145.4464% | 14 |
| Net loans and leases to core deposits | 193.9150% | 42 |
| Total domestic deposits to total assets | 63.4736% | 4,998 |
| Equity capital to assets | 12.6724% | 1,637 |
| Core capital (leverage) ratio | 12.7048% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9340% | 650 |
| Memoranda: | ||
| Average total assets | $1,248,743,000 | 664 |
| Average earning assets | $1,220,001,000 | 625 |
| Average equity | $157,255,500 | 632 |
| Average total loans | $1,150,380,000 | 529 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 4,266 |
| Cost of funding earning assets | 1.0372% | 1,570 |
| Net interest margin | 2.9592% | 4,562 |
| Noninterest income to average assets | 0.0735% | 4,989 |
| Noninterest expense to average assets | 0.9929% | 5,121 |
| Loan and lease loss provision to assets | 0.0303% | 3,411 |
| Net operating income to assets | 1.3689% | 1,448 |
| Return on assets (ROA) | 1.3689% | 1,529 |
| Pretax return on assets | 1.9405% | 680 |
| Return on Equity (ROE) | 10.5523% | 2,065 |
| Retained earnings to average equity (ytd only) | 6.2539% | 1,739 |
| Net charge-offs to loans | -0.0011% | 4,181 |
| Credit loss provision to net charge-offs | -2,941.6667% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5032% | 5,123 |
| Assets per employee ($millions) | 15.7905% | 107 |
| Cash dividends to net income (ytd only)* | 40.7345% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3082% | 5,040 |
| Loan loss allowance to noncurrent loans | 656.0521% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 4,427 |
| Noncurrent loans to loans | 0.0470% | 4,367 |
| Net loans and leases to total assets | 91.3561% | 23 |
| Net loans and leases to deposits | 141.2442% | 17 |
| Net loans and leases to core deposits | 184.7018% | 51 |
| Total domestic deposits to total assets | 64.6795% | 5,042 |
| Equity capital to assets | 12.5137% | 1,807 |
| Core capital (leverage) ratio | 12.6986% | 1,372 |
| Tier 1 risk-based capital ratio | 22.3691% | 980 |
| Total risk-based capital ratio | 22.8791% | 1,039 |
| Memoranda: | ||
| Average total assets | $1,165,656,800 | 680 |
| Average earning assets | $1,138,453,800 | 636 |
| Average equity | $151,218,200 | 619 |
| Average total loans | $1,066,692,000 | 542 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 4,400 |
| Cost of funding earning assets | 1.0282% | 1,639 |
| Net interest margin | 2.9529% | 4,690 |
| Noninterest income to average assets | 0.0761% | 5,054 |
| Noninterest expense to average assets | 1.0158% | 5,199 |
| Loan and lease loss provision to assets | 0.0349% | 3,200 |
| Net operating income to assets | 1.3427% | 1,665 |
| Return on assets (ROA) | 1.3427% | 1,739 |
| Pretax return on assets | 1.9090% | 846 |
| Return on Equity (ROE) | 10.2515% | 2,331 |
| Retained earnings to average equity (ytd only) | 6.0293% | 2,360 |
| Net charge-offs to loans | -0.0013% | 4,014 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3207% | 5,193 |
| Assets per employee ($millions) | 16.2019% | 99 |
| Cash dividends to net income (ytd only)* | 41.1862% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3077% | 5,112 |
| Loan loss allowance to noncurrent loans | 625.9928% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,493 |
| Noncurrent loans to loans | 0.0492% | 4,426 |
| Net loans and leases to total assets | 91.2575% | 23 |
| Net loans and leases to deposits | 144.1878% | 19 |
| Net loans and leases to core deposits | 187.8686% | 51 |
| Total domestic deposits to total assets | 63.2907% | 5,135 |
| Equity capital to assets | 12.4602% | 1,944 |
| Core capital (leverage) ratio | 13.0143% | 1,339 |
| Tier 1 risk-based capital ratio | 22.3865% | 1,022 |
| Total risk-based capital ratio | 22.8980% | 1,091 |
| Memoranda: | ||
| Average total assets | $1,145,208,000 | 693 |
| Average earning assets | $1,118,321,500 | 652 |
| Average equity | $149,997,250 | 621 |
| Average total loans | $1,047,578,500 | 552 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 4,394 |
| Cost of funding earning assets | 0.9968% | 1,707 |
| Net interest margin | 2.9965% | 4,699 |
| Noninterest income to average assets | 0.0810% | 5,096 |
| Noninterest expense to average assets | 1.0827% | 5,247 |
| Loan and lease loss provision to assets | 0.0100% | 3,547 |
| Net operating income to assets | 1.3464% | 1,594 |
| Return on assets (ROA) | 1.3464% | 1,657 |
| Pretax return on assets | 1.9144% | 811 |
| Return on Equity (ROE) | 10.0985% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.0677% | 2,249 |
| Net charge-offs to loans | -0.0012% | 3,906 |
| Credit loss provision to net charge-offs | -933.3333% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0041% | 5,218 |
| Assets per employee ($millions) | 14.1504% | 125 |
| Cash dividends to net income (ytd only)* | 39.9148% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3069% | 5,165 |
| 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 | 91.2660% | 31 |
| Net loans and leases to deposits | 135.2417% | 32 |
| Net loans and leases to core deposits | 176.0849% | 66 |
| Total domestic deposits to total assets | 67.4836% | 5,121 |
| Equity capital to assets | 13.1882% | 1,495 |
| Core capital (leverage) ratio | 13.4316% | 1,141 |
| Tier 1 risk-based capital ratio | 23.5031% | 895 |
| Total risk-based capital ratio | 24.0109% | 948 |
| Memoranda: | ||
| Average total assets | $1,116,496,330 | 706 |
| Average earning assets | $1,090,268,330 | 665 |
| Average equity | $148,853,670 | 623 |
| Average total loans | $1,021,051,000 | 558 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 4,424 |
| Cost of funding earning assets | 0.9569% | 1,761 |
| Net interest margin | 3.0165% | 4,725 |
| Noninterest income to average assets | 0.0712% | 5,160 |
| Noninterest expense to average assets | 1.1263% | 5,299 |
| Loan and lease loss provision to assets | 0.0280% | 3,053 |
| Net operating income to assets | 1.3108% | 1,659 |
| Return on assets (ROA) | 1.3108% | 1,701 |
| Pretax return on assets | 1.8641% | 854 |
| Return on Equity (ROE) | 9.7766% | 2,461 |
| Retained earnings to average equity (ytd only) | 5.7143% | 2,587 |
| Net charge-offs to loans | -0.0024% | 3,885 |
| Credit loss provision to net charge-offs | -1,283.3333% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3150% | 5,249 |
| Assets per employee ($millions) | 14.1332% | 121 |
| Cash dividends to net income (ytd only)* | 41.5512% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3178% | 5,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 91.0431% | 31 |
| Net loans and leases to deposits | 133.7901% | 34 |
| Net loans and leases to core deposits | 166.8029% | 72 |
| Total domestic deposits to total assets | 68.0492% | 5,175 |
| Equity capital to assets | 13.3230% | 1,282 |
| Core capital (leverage) ratio | 13.6761% | 1,036 |
| Tier 1 risk-based capital ratio | 23.5452% | 882 |
| Total risk-based capital ratio | 24.0651% | 935 |
| Memoranda: | ||
| Average total assets | $1,101,654,500 | 720 |
| Average earning assets | $1,076,351,000 | 677 |
| Average equity | $147,700,000 | 622 |
| Average total loans | $1,006,930,000 | 571 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 4,241 |
| Cost of funding earning assets | 0.7269% | 1,921 |
| Net interest margin | 3.1878% | 4,506 |
| Noninterest income to average assets | 0.0761% | 5,214 |
| Noninterest expense to average assets | 1.1100% | 5,335 |
| Loan and lease loss provision to assets | 0.0045% | 4,019 |
| Net operating income to assets | 1.4924% | 1,142 |
| Return on assets (ROA) | 1.4924% | 1,127 |
| Pretax return on assets | 2.0875% | 453 |
| Return on Equity (ROE) | 11.1548% | 2,022 |
| Retained earnings to average equity (ytd only) | 6.9268% | 1,708 |
| Net charge-offs to loans | 0.0001% | 3,781 |
| Credit loss provision to net charge-offs | 4,800.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 22,190.0000% | 4 |
| Efficiency ratio | 34.6661% | 5,335 |
| Assets per employee ($millions) | 13.5848% | 134 |
| Cash dividends to net income (ytd only)* | 37.9027% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3177% | 5,272 |
| 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 | 91.1811% | 39 |
| Net loans and leases to deposits | 130.1638% | 48 |
| Net loans and leases to core deposits | 161.7625% | 85 |
| Total domestic deposits to total assets | 70.0511% | 5,149 |
| Equity capital to assets | 13.4935% | 1,146 |
| Core capital (leverage) ratio | 13.6388% | 1,026 |
| Tier 1 risk-based capital ratio | 24.6840% | 766 |
| Total risk-based capital ratio | 25.2238% | 813 |
| Memoranda: | ||
| Average total assets | $1,060,714,000 | 724 |
| Average earning assets | $1,040,136,800 | 674 |
| Average equity | $141,912,200 | 613 |
| Average total loans | $974,074,000 | 572 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 4,284 |
| Cost of funding earning assets | 0.6775% | 1,986 |
| Net interest margin | 3.1918% | 4,529 |
| Noninterest income to average assets | 0.0771% | 5,280 |
| Noninterest expense to average assets | 1.1144% | 5,408 |
| Loan and lease loss provision to assets | -0.0014% | 5,195 |
| Net operating income to assets | 1.4986% | 1,196 |
| Return on assets (ROA) | 1.4986% | 1,192 |
| Pretax return on assets | 2.0957% | 486 |
| Return on Equity (ROE) | 11.2260% | 2,078 |
| Retained earnings to average equity (ytd only) | 7.1995% | 2,027 |
| Net charge-offs to loans | -0.0004% | 3,988 |
| Credit loss provision to net charge-offs | 366.6667% | 864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7300% | 5,400 |
| Assets per employee ($millions) | 13.3571% | 144 |
| Cash dividends to net income (ytd only)* | 35.8680% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3168% | 5,350 |
| 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 | 91.3657% | 37 |
| Net loans and leases to deposits | 129.0406% | 53 |
| Net loans and leases to core deposits | 160.2556% | 90 |
| Total domestic deposits to total assets | 70.8039% | 5,190 |
| Equity capital to assets | 13.5147% | 1,127 |
| Core capital (leverage) ratio | 13.7015% | 1,034 |
| Tier 1 risk-based capital ratio | 24.1984% | 824 |
| Total risk-based capital ratio | 24.7262% | 872 |
| Memoranda: | ||
| Average total assets | $1,054,196,750 | 727 |
| Average earning assets | $1,034,306,750 | 680 |
| Average equity | $140,729,000 | 614 |
| Average total loans | $969,067,750 | 572 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 4,251 |
| Cost of funding earning assets | 0.6339% | 2,023 |
| Net interest margin | 3.2025% | 4,498 |
| Noninterest income to average assets | 0.0791% | 5,328 |
| Noninterest expense to average assets | 1.1279% | 5,469 |
| Loan and lease loss provision to assets | 0.0093% | 3,660 |
| Net operating income to assets | 1.4951% | 1,177 |
| Return on assets (ROA) | 1.4951% | 1,170 |
| Pretax return on assets | 2.0873% | 504 |
| Return on Equity (ROE) | 11.2473% | 2,017 |
| Retained earnings to average equity (ytd only) | 7.6630% | 1,769 |
| Net charge-offs to loans | -0.0008% | 3,880 |
| Credit loss provision to net charge-offs | -1,225.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9784% | 5,458 |
| Assets per employee ($millions) | 13.7909% | 126 |
| Cash dividends to net income (ytd only)* | 31.8674% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3252% | 5,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 91.3129% | 44 |
| Net loans and leases to deposits | 129.7179% | 44 |
| Net loans and leases to core deposits | 160.6810% | 77 |
| Total domestic deposits to total assets | 70.3935% | 5,264 |
| Equity capital to assets | 13.3874% | 1,141 |
| Core capital (leverage) ratio | 13.5169% | 1,059 |
| Tier 1 risk-based capital ratio | 24.1950% | 816 |
| Total risk-based capital ratio | 24.7420% | 857 |
| Memoranda: | ||
| Average total assets | $1,049,406,000 | 731 |
| Average earning assets | $1,030,697,670 | 683 |
| Average equity | $139,500,670 | 616 |
| Average total loans | $965,620,670 | 574 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,264 |
| Cost of funding earning assets | 0.5676% | 2,265 |
| Net interest margin | 3.2174% | 4,408 |
| Noninterest income to average assets | 0.0863% | 5,378 |
| Noninterest expense to average assets | 1.1580% | 5,532 |
| Loan and lease loss provision to assets | 0.0127% | 3,366 |
| Net operating income to assets | 1.5192% | 1,034 |
| Return on assets (ROA) | 1.5192% | 1,034 |
| Pretax return on assets | 2.0825% | 486 |
| Return on Equity (ROE) | 11.4698% | 1,783 |
| Retained earnings to average equity (ytd only) | 7.8511% | 1,900 |
| Net charge-offs to loans | -0.0008% | 3,748 |
| Credit loss provision to net charge-offs | -1,650.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5964% | 5,516 |
| Assets per employee ($millions) | 13.2411% | 146 |
| Cash dividends to net income (ytd only)* | 31.5497% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3252% | 5,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 92.1889% | 25 |
| Net loans and leases to deposits | 126.9219% | 54 |
| Net loans and leases to core deposits | 158.1243% | 94 |
| Total domestic deposits to total assets | 72.6343% | 5,243 |
| Equity capital to assets | 13.3385% | 1,098 |
| Core capital (leverage) ratio | 13.4172% | 1,033 |
| Tier 1 risk-based capital ratio | 23.7036% | 865 |
| Total risk-based capital ratio | 24.2467% | 920 |
| Memoranda: | ||
| Average total assets | $1,043,160,500 | 739 |
| Average earning assets | $1,026,799,500 | 690 |
| Average equity | $138,171,000 | 623 |
| Average total loans | $962,024,500 | 577 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,206 |
| Cost of funding earning assets | 0.4828% | 2,480 |
| Net interest margin | 3.2721% | 4,242 |
| Noninterest income to average assets | 0.0742% | 5,474 |
| Noninterest expense to average assets | 1.1198% | 5,598 |
| Loan and lease loss provision to assets | 0.0092% | 4,088 |
| Net operating income to assets | 1.3651% | 1,086 |
| Return on assets (ROA) | 1.3651% | 1,106 |
| Pretax return on assets | 2.1664% | 336 |
| Return on Equity (ROE) | 10.4962% | 1,677 |
| Retained earnings to average equity (ytd only) | 6.7094% | 1,188 |
| Net charge-offs to loans | 0.0034% | 3,983 |
| Credit loss provision to net charge-offs | 290.6250% | 969 |
| Earnings coverage of net charge-offs (x) | 690.2188% | 120 |
| Efficiency ratio | 33.9819% | 5,607 |
| Assets per employee ($millions) | 13.5100% | 130 |
| Cash dividends to net income (ytd only)* | 36.0776% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3252% | 5,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 91.6540% | 38 |
| Net loans and leases to deposits | 125.5920% | 67 |
| Net loans and leases to core deposits | 155.8328% | 103 |
| Total domestic deposits to total assets | 72.9776% | 5,260 |
| Equity capital to assets | 13.1518% | 1,190 |
| Core capital (leverage) ratio | 13.2274% | 1,066 |
| Tier 1 risk-based capital ratio | 23.6363% | 849 |
| Total risk-based capital ratio | 24.1829% | 904 |
| Memoranda: | ||
| Average total assets | $1,015,243,400 | 728 |
| Average earning assets | $999,457,200 | 679 |
| Average equity | $132,038,200 | 621 |
| Average total loans | $933,774,000 | 568 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 4,251 |
| Cost of funding earning assets | 0.4644% | 2,575 |
| Net interest margin | 3.2619% | 4,289 |
| Noninterest income to average assets | 0.0768% | 5,542 |
| Noninterest expense to average assets | 1.1165% | 5,661 |
| Loan and lease loss provision to assets | 0.0092% | 3,948 |
| Net operating income to assets | 1.2799% | 1,402 |
| Return on assets (ROA) | 1.2799% | 1,432 |
| Pretax return on assets | 2.1628% | 395 |
| Return on Equity (ROE) | 9.8700% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.0488% | 2,198 |
| Net charge-offs to loans | 0.0050% | 3,551 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 469.5832% | 209 |
| Efficiency ratio | 33.9508% | 5,666 |
| Assets per employee ($millions) | 13.2480% | 135 |
| Cash dividends to net income (ytd only)* | 38.7157% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3237% | 5,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 91.9394% | 36 |
| Net loans and leases to deposits | 122.9039% | 73 |
| Net loans and leases to core deposits | 151.7474% | 113 |
| Total domestic deposits to total assets | 74.8059% | 5,150 |
| Equity capital to assets | 12.9562% | 1,408 |
| Core capital (leverage) ratio | 13.1200% | 1,158 |
| Tier 1 risk-based capital ratio | 23.2641% | 924 |
| Total risk-based capital ratio | 23.8099% | 976 |
| Memoranda: | ||
| Average total assets | $1,008,986,000 | 731 |
| Average earning assets | $993,470,250 | 691 |
| Average equity | $130,844,000 | 629 |
| Average total loans | $928,076,750 | 572 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,259 |
| Cost of funding earning assets | 0.4401% | 2,690 |
| Net interest margin | 3.2491% | 4,270 |
| Noninterest income to average assets | 0.0807% | 5,574 |
| Noninterest expense to average assets | 1.1400% | 5,712 |
| Loan and lease loss provision to assets | 0.0082% | 3,763 |
| Net operating income to assets | 1.2673% | 1,385 |
| Return on assets (ROA) | 1.2673% | 1,414 |
| Pretax return on assets | 2.1312% | 418 |
| Return on Equity (ROE) | 9.7696% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.9184% | 2,167 |
| Net charge-offs to loans | 0.0074% | 3,192 |
| Credit loss provision to net charge-offs | 120.5882% | 1,769 |
| Earnings coverage of net charge-offs (x) | 314.8824% | 270 |
| Efficiency ratio | 34.7633% | 5,706 |
| Assets per employee ($millions) | 13.4150% | 119 |
| Cash dividends to net income (ytd only)* | 39.4197% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3251% | 5,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 91.9371% | 37 |
| Net loans and leases to deposits | 122.2991% | 76 |
| Net loans and leases to core deposits | 150.4767% | 120 |
| Total domestic deposits to total assets | 75.1739% | 5,181 |
| Equity capital to assets | 12.9251% | 1,406 |
| Core capital (leverage) ratio | 13.1212% | 1,127 |
| Tier 1 risk-based capital ratio | 23.2456% | 918 |
| Total risk-based capital ratio | 23.7944% | 973 |
| Memoranda: | ||
| Average total assets | $1,000,867,330 | 742 |
| Average earning assets | $985,315,330 | 697 |
| Average equity | $129,831,330 | 638 |
| Average total loans | $919,724,670 | 581 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 4,236 |
| Cost of funding earning assets | 0.4251% | 2,766 |
| Net interest margin | 3.2352% | 4,228 |
| Noninterest income to average assets | 0.0694% | 5,678 |
| Noninterest expense to average assets | 1.1897% | 5,771 |
| Loan and lease loss provision to assets | -0.0044% | 5,643 |
| Net operating income to assets | 1.2635% | 1,340 |
| Return on assets (ROA) | 1.2635% | 1,376 |
| Pretax return on assets | 2.0683% | 444 |
| Return on Equity (ROE) | 9.7223% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.8421% | 2,412 |
| Net charge-offs to loans | 0.0026% | 2,877 |
| Credit loss provision to net charge-offs | -183.3333% | 4,034 |
| Earnings coverage of net charge-offs (x) | 852.6667% | 53 |
| Efficiency ratio | 36.5654% | 5,746 |
| Assets per employee ($millions) | 12.4032% | 161 |
| Cash dividends to net income (ytd only)* | 39.9106% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3313% | 5,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 91.9443% | 19 |
| Net loans and leases to deposits | 120.4027% | 84 |
| Net loans and leases to core deposits | 142.9652% | 150 |
| Total domestic deposits to total assets | 76.3640% | 5,194 |
| Equity capital to assets | 13.0818% | 1,223 |
| Core capital (leverage) ratio | 13.1842% | 1,072 |
| Tier 1 risk-based capital ratio | 22.9545% | 984 |
| Total risk-based capital ratio | 23.4995% | 1,038 |
| Memoranda: | ||
| Average total assets | $991,530,500 | 755 |
| Average earning assets | $975,880,000 | 703 |
| Average equity | $128,858,500 | 638 |
| Average total loans | $909,390,500 | 591 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,113 |
| Cost of funding earning assets | 0.4804% | 2,253 |
| Net interest margin | 3.2530% | 4,285 |
| Noninterest income to average assets | 0.0674% | 5,732 |
| Noninterest expense to average assets | 1.1300% | 5,837 |
| Loan and lease loss provision to assets | 0.0051% | 4,254 |
| Net operating income to assets | 1.2475% | 1,362 |
| Return on assets (ROA) | 1.2475% | 1,446 |
| Pretax return on assets | 2.1351% | 372 |
| Return on Equity (ROE) | 9.2917% | 2,279 |
| Retained earnings to average equity (ytd only) | -3.6176% | 5,617 |
| Net charge-offs to loans | -0.0007% | 4,640 |
| Credit loss provision to net charge-offs | -850.0000% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5541% | 5,841 |
| Assets per employee ($millions) | 12.5418% | 148 |
| Cash dividends to net income (ytd only)* | 138.9336% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3375% | 5,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 90.8732% | 49 |
| Net loans and leases to deposits | 117.1924% | 117 |
| Net loans and leases to core deposits | 139.0037% | 186 |
| Total domestic deposits to total assets | 77.5419% | 5,044 |
| Equity capital to assets | 12.9099% | 1,290 |
| Core capital (leverage) ratio | 12.8524% | 1,188 |
| Tier 1 risk-based capital ratio | 23.2846% | 939 |
| Total risk-based capital ratio | 23.8477% | 988 |
| Memoranda: | ||
| Average total assets | $995,301,800 | 728 |
| Average earning assets | $979,968,600 | 677 |
| Average equity | $133,624,400 | 595 |
| Average total loans | $891,052,600 | 568 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 4,214 |
| Cost of funding earning assets | 0.4927% | 2,149 |
| Net interest margin | 3.2174% | 4,436 |
| Noninterest income to average assets | 0.0684% | 5,792 |
| Noninterest expense to average assets | 1.1375% | 5,902 |
| Loan and lease loss provision to assets | -0.0033% | 5,628 |
| Net operating income to assets | 1.2189% | 1,574 |
| Return on assets (ROA) | 1.2189% | 1,668 |
| Pretax return on assets | 2.1024% | 462 |
| Return on Equity (ROE) | 8.9928% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.3034% | 3,259 |
| Net charge-offs to loans | -0.0009% | 4,436 |
| Credit loss provision to net charge-offs | 416.6667% | 815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1455% | 5,897 |
| Assets per employee ($millions) | 12.8009% | 133 |
| Cash dividends to net income (ytd only)* | 52.1463% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3357% | 5,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 88.4413% | 111 |
| Net loans and leases to deposits | 115.7340% | 161 |
| Net loans and leases to core deposits | 140.1054% | 191 |
| Total domestic deposits to total assets | 76.4178% | 5,178 |
| Equity capital to assets | 13.7313% | 1,150 |
| Core capital (leverage) ratio | 13.6134% | 964 |
| Tier 1 risk-based capital ratio | 25.1596% | 801 |
| Total risk-based capital ratio | 25.7134% | 850 |
| Memoranda: | ||
| Average total assets | $996,426,500 | 729 |
| Average earning assets | $981,168,750 | 678 |
| Average equity | $135,052,500 | 586 |
| Average total loans | $887,960,000 | 567 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,224 |
| Cost of funding earning assets | 0.4918% | 2,171 |
| Net interest margin | 3.2281% | 4,454 |
| Noninterest income to average assets | 0.0703% | 5,860 |
| Noninterest expense to average assets | 1.1457% | 5,984 |
| Loan and lease loss provision to assets | -0.0036% | 5,750 |
| Net operating income to assets | 1.2216% | 1,526 |
| Return on assets (ROA) | 1.2216% | 1,623 |
| Pretax return on assets | 2.1070% | 465 |
| Return on Equity (ROE) | 9.0527% | 2,477 |
| Retained earnings to average equity (ytd only) | 4.5874% | 2,986 |
| Net charge-offs to loans | 0.0007% | 3,678 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | 3,490.6667% | 11 |
| Efficiency ratio | 35.2621% | 5,974 |
| Assets per employee ($millions) | 12.5667% | 133 |
| Cash dividends to net income (ytd only)* | 49.3259% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3348% | 5,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 89.1212% | 95 |
| Net loans and leases to deposits | 117.0937% | 136 |
| Net loans and leases to core deposits | 142.2446% | 168 |
| Total domestic deposits to total assets | 76.1110% | 5,271 |
| Equity capital to assets | 13.6811% | 1,151 |
| Core capital (leverage) ratio | 13.5653% | 959 |
| Tier 1 risk-based capital ratio | 24.8986% | 817 |
| Total risk-based capital ratio | 25.4532% | 869 |
| Memoranda: | ||
| Average total assets | $995,744,670 | 728 |
| Average earning assets | $980,525,330 | 679 |
| Average equity | $134,369,000 | 591 |
| Average total loans | $888,601,330 | 563 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 4,208 |
| Cost of funding earning assets | 0.4876% | 2,200 |
| Net interest margin | 3.2427% | 4,425 |
| Noninterest income to average assets | 0.0574% | 5,941 |
| Noninterest expense to average assets | 1.1359% | 6,048 |
| Loan and lease loss provision to assets | -0.0084% | 5,886 |
| Net operating income to assets | 1.2310% | 1,450 |
| Return on assets (ROA) | 1.2310% | 1,559 |
| Pretax return on assets | 2.1227% | 441 |
| Return on Equity (ROE) | 9.1857% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.4444% | 2,688 |
| Net charge-offs to loans | 0.0009% | 3,080 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,764 |
| Earnings coverage of net charge-offs (x) | 2,635.5000% | 11 |
| Efficiency ratio | 34.9500% | 6,035 |
| Assets per employee ($millions) | 12.7963% | 130 |
| Cash dividends to net income (ytd only)* | 40.7299% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3349% | 5,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 87.4374% | 149 |
| Net loans and leases to deposits | 114.1318% | 148 |
| Net loans and leases to core deposits | 138.0045% | 184 |
| Total domestic deposits to total assets | 76.6109% | 5,344 |
| Equity capital to assets | 13.3102% | 1,263 |
| Core capital (leverage) ratio | 13.5002% | 985 |
| Tier 1 risk-based capital ratio | 24.6261% | 850 |
| Total risk-based capital ratio | 25.1790% | 912 |
| Memoranda: | ||
| Average total assets | $997,233,000 | 727 |
| Average earning assets | $981,897,000 | 673 |
| Average equity | $133,642,500 | 591 |
| Average total loans | $889,032,500 | 563 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 3,837 |
| Cost of funding earning assets | 0.5680% | 1,610 |
| Net interest margin | 3.2945% | 4,312 |
| Noninterest income to average assets | 0.0622% | 5,972 |
| Noninterest expense to average assets | 1.1354% | 6,101 |
| Loan and lease loss provision to assets | 0.0039% | 4,319 |
| Net operating income to assets | 1.2547% | 1,376 |
| Return on assets (ROA) | 1.2547% | 1,429 |
| Pretax return on assets | 2.1650% | 373 |
| Return on Equity (ROE) | 9.4734% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.5979% | 2,017 |
| Net charge-offs to loans | -0.0007% | 4,826 |
| Credit loss provision to net charge-offs | -633.3333% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3606% | 6,118 |
| Assets per employee ($millions) | 12.7735% | 125 |
| Cash dividends to net income (ytd only)* | 40.9098% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3358% | 6,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 90.3039% | 57 |
| Net loans and leases to deposits | 117.0462% | 128 |
| Net loans and leases to core deposits | 142.0502% | 146 |
| Total domestic deposits to total assets | 77.1523% | 5,291 |
| Equity capital to assets | 13.4950% | 1,129 |
| Core capital (leverage) ratio | 13.2003% | 1,073 |
| Tier 1 risk-based capital ratio | 24.7484% | 837 |
| Total risk-based capital ratio | 25.3167% | 903 |
| Memoranda: | ||
| Average total assets | $974,126,600 | 711 |
| Average earning assets | $958,626,800 | 661 |
| Average equity | $129,013,800 | 591 |
| Average total loans | $884,343,600 | 537 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 3,901 |
| Cost of funding earning assets | 0.5827% | 1,520 |
| Net interest margin | 3.2753% | 4,444 |
| Noninterest income to average assets | 0.0650% | 6,057 |
| Noninterest expense to average assets | 1.1274% | 6,190 |
| Loan and lease loss provision to assets | 0.0075% | 4,106 |
| Net operating income to assets | 1.2480% | 1,492 |
| Return on assets (ROA) | 1.2480% | 1,547 |
| Pretax return on assets | 2.1531% | 458 |
| Return on Equity (ROE) | 9.4685% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.5649% | 2,543 |
| Net charge-offs to loans | -0.0005% | 4,650 |
| Credit loss provision to net charge-offs | -1,833.3333% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2875% | 6,199 |
| Assets per employee ($millions) | 12.7194% | 129 |
| Cash dividends to net income (ytd only)* | 41.2269% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3364% | 6,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 90.9584% | 45 |
| Net loans and leases to deposits | 117.9033% | 124 |
| Net loans and leases to core deposits | 146.0080% | 130 |
| Total domestic deposits to total assets | 77.1466% | 5,320 |
| Equity capital to assets | 13.3579% | 1,289 |
| Core capital (leverage) ratio | 13.1510% | 1,153 |
| Tier 1 risk-based capital ratio | 23.8921% | 956 |
| Total risk-based capital ratio | 24.4519% | 1,014 |
| Memoranda: | ||
| Average total assets | $971,769,250 | 718 |
| Average earning assets | $956,271,500 | 669 |
| Average equity | $128,084,500 | 599 |
| Average total loans | $882,634,000 | 538 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,796 |
| Cost of funding earning assets | 0.5863% | 1,511 |
| Net interest margin | 3.2848% | 4,355 |
| Noninterest income to average assets | 0.0693% | 6,111 |
| Noninterest expense to average assets | 1.1296% | 6,262 |
| Loan and lease loss provision to assets | 0.0155% | 3,814 |
| Net operating income to assets | 1.2499% | 1,463 |
| Return on assets (ROA) | 1.2499% | 1,525 |
| Pretax return on assets | 2.1566% | 451 |
| Return on Equity (ROE) | 9.5258% | 2,288 |
| Retained earnings to average equity (ytd only) | 5.5941% | 2,473 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2125% | 6,274 |
| Assets per employee ($millions) | 12.5174% | 133 |
| Cash dividends to net income (ytd only)* | 41.2746% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3405% | 6,194 |
| Loan loss allowance to noncurrent loans | 100,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,928 |
| Noncurrent loans to loans | 0.0003% | 5,785 |
| Net loans and leases to total assets | 89.4999% | 81 |
| Net loans and leases to deposits | 116.8831% | 139 |
| Net loans and leases to core deposits | 144.4170% | 140 |
| Total domestic deposits to total assets | 76.5722% | 5,526 |
| Equity capital to assets | 13.0457% | 1,380 |
| Core capital (leverage) ratio | 13.2026% | 1,090 |
| Tier 1 risk-based capital ratio | 23.1051% | 1,068 |
| Total risk-based capital ratio | 23.6571% | 1,130 |
| Memoranda: | ||
| Average total assets | $969,229,000 | 723 |
| Average earning assets | $953,733,670 | 675 |
| Average equity | $127,170,670 | 603 |
| Average total loans | $878,897,330 | 541 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8528% | 3,814 |
| Cost of funding earning assets | 0.5779% | 1,595 |
| Net interest margin | 3.2749% | 4,323 |
| Noninterest income to average assets | 0.0605% | 6,206 |
| Noninterest expense to average assets | 1.1616% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2287% | 1,466 |
| Return on assets (ROA) | 1.2287% | 1,560 |
| Pretax return on assets | 2.1213% | 462 |
| Return on Equity (ROE) | 9.3368% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.3765% | 2,844 |
| Net charge-offs to loans | 0.0005% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5,088.0000% | 3 |
| Efficiency ratio | 35.3823% | 6,334 |
| Assets per employee ($millions) | 12.4661% | 134 |
| Cash dividends to net income (ytd only)* | 42.4160% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3376% | 6,272 |
| Loan loss allowance to noncurrent loans | 58,960.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,982 |
| Noncurrent loans to loans | 0.0006% | 5,827 |
| Net loans and leases to total assets | 89.5082% | 66 |
| Net loans and leases to deposits | 117.1401% | 123 |
| Net loans and leases to core deposits | 148.4712% | 108 |
| Total domestic deposits to total assets | 76.4112% | 5,694 |
| Equity capital to assets | 13.0730% | 1,358 |
| Core capital (leverage) ratio | 13.4039% | 1,009 |
| Tier 1 risk-based capital ratio | 23.8077% | 1,014 |
| Total risk-based capital ratio | 24.3707% | 1,070 |
| Memoranda: | ||
| Average total assets | $959,406,000 | 726 |
| Average earning assets | $944,030,500 | 677 |
| Average equity | $126,253,000 | 607 |
| Average total loans | $874,313,000 | 535 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,735 |
| Cost of funding earning assets | 0.5790% | 1,964 |
| Net interest margin | 3.4195% | 4,113 |
| Noninterest income to average assets | 0.0669% | 6,251 |
| Noninterest expense to average assets | 1.1643% | 6,416 |
| Loan and lease loss provision to assets | 0.0098% | 4,431 |
| Net operating income to assets | 1.3057% | 1,294 |
| Return on assets (ROA) | 1.3057% | 1,342 |
| Pretax return on assets | 2.2526% | 291 |
| Return on Equity (ROE) | 9.8661% | 2,172 |
| Retained earnings to average equity (ytd only) | 5.7620% | 2,088 |
| Net charge-offs to loans | 0.0008% | 4,962 |
| Credit loss provision to net charge-offs | 1,285.7143% | 226 |
| Earnings coverage of net charge-offs (x) | 2,975.2857% | 8 |
| Efficiency ratio | 33.9769% | 6,450 |
| Assets per employee ($millions) | 11.9805% | 144 |
| Cash dividends to net income (ytd only)* | 41.5973% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3369% | 6,364 |
| Loan loss allowance to noncurrent loans | 42,128.5714% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,105 |
| Noncurrent loans to loans | 0.0008% | 5,943 |
| Net loans and leases to total assets | 92.1745% | 26 |
| Net loans and leases to deposits | 122.4458% | 78 |
| Net loans and leases to core deposits | 157.2947% | 90 |
| Total domestic deposits to total assets | 75.2778% | 5,824 |
| Equity capital to assets | 13.2484% | 1,251 |
| Core capital (leverage) ratio | 13.2484% | 1,042 |
| Tier 1 risk-based capital ratio | 23.5311% | 1,002 |
| Total risk-based capital ratio | 24.0845% | 1,084 |
| Memoranda: | ||
| Average total assets | $920,570,600 | 726 |
| Average earning assets | $904,490,600 | 679 |
| Average equity | $121,831,800 | 599 |
| Average total loans | $853,016,000 | 522 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,661 |
| Cost of funding earning assets | 0.5797% | 2,020 |
| Net interest margin | 3.4460% | 4,035 |
| Noninterest income to average assets | 0.0691% | 6,332 |
| Noninterest expense to average assets | 1.1794% | 6,488 |
| Loan and lease loss provision to assets | 0.0146% | 4,121 |
| Net operating income to assets | 1.3098% | 1,343 |
| Return on assets (ROA) | 1.3098% | 1,400 |
| Pretax return on assets | 2.2599% | 325 |
| Return on Equity (ROE) | 9.8998% | 2,270 |
| Retained earnings to average equity (ytd only) | 5.7657% | 2,559 |
| Net charge-offs to loans | 0.0005% | 4,692 |
| Credit loss provision to net charge-offs | 3,333.3333% | 112 |
| Earnings coverage of net charge-offs (x) | 5,197.8700% | 4 |
| Efficiency ratio | 34.1470% | 6,520 |
| Assets per employee ($millions) | 11.6979% | 152 |
| Cash dividends to net income (ytd only)* | 41.7595% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3428% | 6,444 |
| Loan loss allowance to noncurrent loans | 32,922.2222% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,214 |
| Noncurrent loans to loans | 0.0010% | 6,054 |
| Net loans and leases to total assets | 92.0534% | 27 |
| Net loans and leases to deposits | 122.4874% | 79 |
| Net loans and leases to core deposits | 157.6388% | 82 |
| Total domestic deposits to total assets | 75.1534% | 5,911 |
| Equity capital to assets | 13.2068% | 1,328 |
| Core capital (leverage) ratio | 13.2068% | 1,098 |
| Tier 1 risk-based capital ratio | 22.7963% | 1,148 |
| Total risk-based capital ratio | 23.3429% | 1,231 |
| Memoranda: | ||
| Average total assets | $914,099,250 | 733 |
| Average earning assets | $897,866,250 | 682 |
| Average equity | $120,942,250 | 604 |
| Average total loans | $847,435,000 | 519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,528 |
| Cost of funding earning assets | 0.5853% | 2,024 |
| Net interest margin | 3.4684% | 3,901 |
| Noninterest income to average assets | 0.0723% | 6,369 |
| Noninterest expense to average assets | 1.2066% | 6,552 |
| Loan and lease loss provision to assets | 0.0079% | 4,077 |
| Net operating income to assets | 1.3129% | 1,271 |
| Return on assets (ROA) | 1.3129% | 1,323 |
| Pretax return on assets | 2.2652% | 321 |
| Return on Equity (ROE) | 9.9168% | 2,184 |
| Retained earnings to average equity (ytd only) | 5.7522% | 2,480 |
| Net charge-offs to loans | 0.0002% | 4,373 |
| Credit loss provision to net charge-offs | 3,600.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 10,307.0000% | 1 |
| Efficiency ratio | 34.6749% | 6,584 |
| Assets per employee ($millions) | 11.2808% | 164 |
| Cash dividends to net income (ytd only)* | 41.9956% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3391% | 6,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 92.1728% | 21 |
| Net loans and leases to deposits | 132.8497% | 33 |
| Net loans and leases to core deposits | 162.7497% | 73 |
| Total domestic deposits to total assets | 69.3812% | 6,376 |
| Equity capital to assets | 13.1683% | 1,283 |
| Core capital (leverage) ratio | 13.1683% | 1,100 |
| Tier 1 risk-based capital ratio | 20.3796% | 1,594 |
| Total risk-based capital ratio | 20.8649% | 1,749 |
| Memoranda: | ||
| Average total assets | $906,854,670 | 741 |
| Average earning assets | $890,892,330 | 685 |
| Average equity | $120,058,330 | 603 |
| Average total loans | $841,770,330 | 520 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,403 |
| Cost of funding earning assets | 0.5880% | 2,088 |
| Net interest margin | 3.4809% | 3,781 |
| Noninterest income to average assets | 0.0624% | 6,452 |
| Noninterest expense to average assets | 1.2311% | 6,620 |
| Loan and lease loss provision to assets | 0.0053% | 3,749 |
| Net operating income to assets | 1.3014% | 1,205 |
| Return on assets (ROA) | 1.3014% | 1,251 |
| Pretax return on assets | 2.2469% | 332 |
| Return on Equity (ROE) | 9.8035% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.6082% | 2,735 |
| Net charge-offs to loans | -0.0019% | 4,697 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3415% | 6,644 |
| Assets per employee ($millions) | 11.2285% | 172 |
| Cash dividends to net income (ytd only)* | 42.7936% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3417% | 6,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 92.4303% | 9 |
| Net loans and leases to deposits | 127.1846% | 41 |
| Net loans and leases to core deposits | 151.8438% | 91 |
| Total domestic deposits to total assets | 72.6742% | 6,324 |
| Equity capital to assets | 13.1964% | 1,216 |
| Core capital (leverage) ratio | 13.1964% | 1,088 |
| Tier 1 risk-based capital ratio | 22.3590% | 1,238 |
| Total risk-based capital ratio | 22.8959% | 1,331 |
| Memoranda: | ||
| Average total assets | $897,768,500 | 753 |
| Average earning assets | $882,289,500 | 695 |
| Average equity | $119,182,500 | 606 |
| Average total loans | $834,893,500 | 519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,775 |
| Cost of funding earning assets | 0.6987% | 1,822 |
| Net interest margin | 3.6511% | 3,240 |
| Noninterest income to average assets | 0.0716% | 6,480 |
| Noninterest expense to average assets | 1.1914% | 6,715 |
| Loan and lease loss provision to assets | 0.0081% | 4,958 |
| Net operating income to assets | 1.4244% | 976 |
| Return on assets (ROA) | 1.4244% | 1,016 |
| Pretax return on assets | 2.4489% | 213 |
| Return on Equity (ROE) | 10.7274% | 1,852 |
| Retained earnings to average equity (ytd only) | 6.3666% | 1,762 |
| Net charge-offs to loans | -0.0042% | 5,907 |
| Credit loss provision to net charge-offs | -205.8824% | 5,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6551% | 6,751 |
| Assets per employee ($millions) | 10.9386% | 175 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3469% | 6,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 92.9290% | 11 |
| Net loans and leases to deposits | 129.4148% | 41 |
| Net loans and leases to core deposits | 155.2458% | 80 |
| Total domestic deposits to total assets | 71.8071% | 6,434 |
| Equity capital to assets | 13.3566% | 1,119 |
| Core capital (leverage) ratio | 13.3566% | 1,004 |
| Tier 1 risk-based capital ratio | 22.5506% | 1,169 |
| Total risk-based capital ratio | 23.0967% | 1,260 |
| Memoranda: | ||
| Average total assets | $863,534,200 | 766 |
| Average earning assets | $845,971,600 | 705 |
| Average equity | $114,660,000 | 618 |
| Average total loans | $800,519,600 | 521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 2,566 |
| Cost of funding earning assets | 0.7278% | 1,750 |
| Net interest margin | 3.6819% | 3,094 |
| Noninterest income to average assets | 0.0741% | 6,562 |
| Noninterest expense to average assets | 1.1877% | 6,793 |
| Loan and lease loss provision to assets | 0.0034% | 4,888 |
| Net operating income to assets | 1.4486% | 985 |
| Return on assets (ROA) | 1.4486% | 1,041 |
| Pretax return on assets | 2.4872% | 248 |
| Return on Equity (ROE) | 10.9265% | 1,844 |
| Retained earnings to average equity (ytd only) | 6.5306% | 2,119 |
| Net charge-offs to loans | -0.0013% | 5,664 |
| Credit loss provision to net charge-offs | -275.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2883% | 6,819 |
| Assets per employee ($millions) | 10.7516% | 190 |
| Cash dividends to net income (ytd only)* | 40.2318% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3448% | 6,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 92.6493% | 13 |
| Net loans and leases to deposits | 127.7036% | 41 |
| Net loans and leases to core deposits | 152.7101% | 84 |
| Total domestic deposits to total assets | 72.5502% | 6,461 |
| Equity capital to assets | 13.3894% | 1,167 |
| Core capital (leverage) ratio | 13.3894% | 1,070 |
| Tier 1 risk-based capital ratio | 22.8670% | 1,168 |
| Total risk-based capital ratio | 23.4145% | 1,272 |
| Memoranda: | ||
| Average total assets | $857,910,750 | 775 |
| Average earning assets | $839,799,000 | 715 |
| Average equity | $113,739,250 | 625 |
| Average total loans | $794,088,750 | 525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 2,366 |
| Cost of funding earning assets | 0.7569% | 1,662 |
| Net interest margin | 3.6971% | 2,968 |
| Noninterest income to average assets | 0.0773% | 6,597 |
| Noninterest expense to average assets | 1.1968% | 6,835 |
| Loan and lease loss provision to assets | 0.0143% | 4,602 |
| Net operating income to assets | 1.4461% | 994 |
| Return on assets (ROA) | 1.4461% | 1,070 |
| Pretax return on assets | 2.4818% | 280 |
| Return on Equity (ROE) | 10.9448% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.5116% | 2,134 |
| Net charge-offs to loans | -0.0020% | 5,532 |
| Credit loss provision to net charge-offs | -762.5000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4091% | 6,866 |
| Assets per employee ($millions) | 10.5886% | 190 |
| Cash dividends to net income (ytd only)* | 40.5055% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3518% | 6,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 92.3664% | 17 |
| Net loans and leases to deposits | 130.5818% | 40 |
| Net loans and leases to core deposits | 157.8148% | 77 |
| Total domestic deposits to total assets | 70.7345% | 6,628 |
| Equity capital to assets | 13.2094% | 1,257 |
| Core capital (leverage) ratio | 13.2094% | 1,093 |
| Tier 1 risk-based capital ratio | 22.3630% | 1,227 |
| Total risk-based capital ratio | 22.9150% | 1,325 |
| Memoranda: | ||
| Average total assets | $853,588,330 | 778 |
| Average earning assets | $834,759,330 | 718 |
| Average equity | $112,784,000 | 634 |
| Average total loans | $788,900,330 | 525 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 2,424 |
| Cost of funding earning assets | 0.8107% | 1,471 |
| Net interest margin | 3.6199% | 3,182 |
| Noninterest income to average assets | 0.0671% | 6,679 |
| Noninterest expense to average assets | 1.2498% | 6,894 |
| Loan and lease loss provision to assets | -0.0028% | 6,720 |
| Net operating income to assets | 1.3731% | 1,096 |
| Return on assets (ROA) | 1.3731% | 1,184 |
| Pretax return on assets | 2.3553% | 326 |
| Return on Equity (ROE) | 10.3908% | 1,913 |
| Retained earnings to average equity (ytd only) | 5.9197% | 2,723 |
| Net charge-offs to loans | -0.0041% | 5,232 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6936% | 6,930 |
| Assets per employee ($millions) | 10.1475% | 212 |
| Cash dividends to net income (ytd only)* | 43.0293% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3546% | 6,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 92.2152% | 17 |
| Net loans and leases to deposits | 124.3616% | 51 |
| Net loans and leases to core deposits | 149.3824% | 95 |
| Total domestic deposits to total assets | 74.1509% | 6,527 |
| Equity capital to assets | 13.3765% | 1,258 |
| Core capital (leverage) ratio | 13.3765% | 983 |
| Tier 1 risk-based capital ratio | 22.3760% | 1,264 |
| Total risk-based capital ratio | 22.9250% | 1,361 |
| Memoranda: | ||
| Average total assets | $846,248,500 | 792 |
| Average earning assets | $826,441,000 | 733 |
| Average equity | $111,829,500 | 647 |
| Average total loans | $780,941,000 | 531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 2,085 |
| Cost of funding earning assets | 0.9868% | 1,426 |
| Net interest margin | 3.8453% | 3,040 |
| Noninterest income to average assets | 0.0697% | 6,620 |
| Noninterest expense to average assets | 1.2445% | 6,975 |
| Loan and lease loss provision to assets | -0.0253% | 6,843 |
| Net operating income to assets | 1.4964% | 925 |
| Return on assets (ROA) | 1.4964% | 1,013 |
| Pretax return on assets | 2.5852% | 230 |
| Return on Equity (ROE) | 11.6964% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.9523% | 1,139 |
| Net charge-offs to loans | -0.0116% | 6,486 |
| Credit loss provision to net charge-offs | 229.3478% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7122% | 7,009 |
| Assets per employee ($millions) | 10.2440% | 213 |
| Cash dividends to net income (ytd only)* | 32.0102% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3530% | 6,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 91.6996% | 24 |
| Net loans and leases to deposits | 128.7111% | 44 |
| Net loans and leases to core deposits | 156.2315% | 89 |
| Total domestic deposits to total assets | 71.2445% | 6,728 |
| Equity capital to assets | 13.0545% | 1,417 |
| Core capital (leverage) ratio | 13.0545% | 1,099 |
| Tier 1 risk-based capital ratio | 22.2669% | 1,222 |
| Total risk-based capital ratio | 22.8210% | 1,317 |
| Memoranda: | ||
| Average total assets | $835,093,400 | 785 |
| Average earning assets | $811,084,800 | 733 |
| Average equity | $106,836,400 | 668 |
| Average total loans | $791,678,800 | 513 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 1,999 |
| Cost of funding earning assets | 1.0188% | 1,456 |
| Net interest margin | 3.8845% | 2,970 |
| Noninterest income to average assets | 0.0717% | 6,731 |
| Noninterest expense to average assets | 1.2411% | 7,067 |
| Loan and lease loss provision to assets | -0.0226% | 6,964 |
| Net operating income to assets | 1.5298% | 971 |
| Return on assets (ROA) | 1.5298% | 1,078 |
| Pretax return on assets | 2.6209% | 248 |
| Return on Equity (ROE) | 12.0203% | 1,632 |
| Retained earnings to average equity (ytd only) | 8.2395% | 1,523 |
| Net charge-offs to loans | -0.0129% | 6,414 |
| Credit loss provision to net charge-offs | 183.1169% | 1,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3252% | 7,108 |
| Assets per employee ($millions) | 10.3049% | 214 |
| Cash dividends to net income (ytd only)* | 31.4531% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3565% | 7,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 94.3224% | 11 |
| Net loans and leases to deposits | 136.9177% | 31 |
| Net loans and leases to core deposits | 165.2072% | 72 |
| Total domestic deposits to total assets | 68.8899% | 6,889 |
| Equity capital to assets | 13.0611% | 1,568 |
| Core capital (leverage) ratio | 13.0611% | 1,171 |
| Tier 1 risk-based capital ratio | 21.0167% | 1,522 |
| Total risk-based capital ratio | 21.5597% | 1,654 |
| Memoranda: | ||
| Average total assets | $831,303,750 | 794 |
| Average earning assets | $806,291,750 | 744 |
| Average equity | $105,796,500 | 673 |
| Average total loans | $793,988,500 | 512 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 1,713 |
| Cost of funding earning assets | 1.0416% | 1,514 |
| Net interest margin | 3.9855% | 2,569 |
| Noninterest income to average assets | 0.0759% | 6,768 |
| Noninterest expense to average assets | 1.2222% | 7,136 |
| Loan and lease loss provision to assets | -0.0005% | 7,011 |
| Net operating income to assets | 1.5838% | 860 |
| Return on assets (ROA) | 1.5838% | 966 |
| Pretax return on assets | 2.7139% | 216 |
| Return on Equity (ROE) | 12.5552% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.7355% | 1,362 |
| Net charge-offs to loans | -0.0103% | 6,287 |
| Credit loss provision to net charge-offs | 4.8780% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0541% | 7,171 |
| Assets per employee ($millions) | 10.8038% | 188 |
| Cash dividends to net income (ytd only)* | 30.4229% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3679% | 7,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 95.0448% | 5 |
| Net loans and leases to deposits | 140.0177% | 27 |
| Net loans and leases to core deposits | 168.6215% | 75 |
| Total domestic deposits to total assets | 67.8806% | 7,000 |
| Equity capital to assets | 12.8670% | 1,586 |
| Core capital (leverage) ratio | 12.8670% | 1,189 |
| Tier 1 risk-based capital ratio | 20.4015% | 1,602 |
| Total risk-based capital ratio | 20.9580% | 1,750 |
| Memoranda: | ||
| Average total assets | $830,172,000 | 797 |
| Average earning assets | $803,972,000 | 751 |
| Average equity | $104,721,670 | 677 |
| Average total loans | $795,276,330 | 510 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,673 |
| Cost of funding earning assets | 1.0856% | 1,472 |
| Net interest margin | 3.9814% | 2,586 |
| Noninterest income to average assets | 0.0719% | 6,852 |
| Noninterest expense to average assets | 1.2217% | 7,205 |
| Loan and lease loss provision to assets | 0.0068% | 5,195 |
| Net operating income to assets | 1.5690% | 916 |
| Return on assets (ROA) | 1.5690% | 1,022 |
| Pretax return on assets | 2.6890% | 259 |
| Return on Equity (ROE) | 12.5644% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.7020% | 1,696 |
| Net charge-offs to loans | -0.0126% | 6,018 |
| Credit loss provision to net charge-offs | -56.0000% | 5,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1869% | 7,227 |
| Assets per employee ($millions) | 10.6693% | 196 |
| Cash dividends to net income (ytd only)* | 30.7409% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3659% | 7,148 |
| 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 | 95.5472% | 4 |
| Net loans and leases to deposits | 142.8900% | 24 |
| Net loans and leases to core deposits | 173.4421% | 68 |
| Total domestic deposits to total assets | 66.8677% | 7,086 |
| Equity capital to assets | 12.5813% | 1,671 |
| Core capital (leverage) ratio | 12.5813% | 1,302 |
| Tier 1 risk-based capital ratio | 20.1375% | 1,674 |
| Total risk-based capital ratio | 20.6991% | 1,821 |
| Memoranda: | ||
| Average total assets | $829,310,500 | 801 |
| Average earning assets | $801,028,500 | 750 |
| Average equity | $103,562,500 | 684 |
| Average total loans | $796,118,000 | 507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 1,764 |
| Cost of funding earning assets | 1.4370% | 894 |
| Net interest margin | 3.8450% | 3,595 |
| Noninterest income to average assets | 0.0750% | 6,737 |
| Noninterest expense to average assets | 1.2416% | 7,257 |
| Loan and lease loss provision to assets | 0.0140% | 6,369 |
| Net operating income to assets | 1.4529% | 922 |
| Return on assets (ROA) | 1.4529% | 1,002 |
| Pretax return on assets | 2.5066% | 205 |
| Return on Equity (ROE) | 12.1450% | 1,367 |
| Retained earnings to average equity (ytd only) | 8.8306% | 848 |
| Net charge-offs to loans | 0.0097% | 6,294 |
| Credit loss provision to net charge-offs | 151.3158% | 1,858 |
| Earnings coverage of net charge-offs (x) | 271.8421% | 130 |
| Efficiency ratio | 33.0026% | 7,276 |
| Assets per employee ($millions) | 11.1678% | 173 |
| Cash dividends to net income (ytd only)* | 27.2903% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3628% | 7,187 |
| 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 | 95.7491% | 4 |
| Net loans and leases to deposits | 143.8044% | 33 |
| Net loans and leases to core deposits | 180.2064% | 79 |
| Total domestic deposits to total assets | 66.5829% | 7,117 |
| Equity capital to assets | 12.3936% | 1,860 |
| Core capital (leverage) ratio | 12.3936% | 1,394 |
| Tier 1 risk-based capital ratio | 19.6453% | 1,716 |
| Total risk-based capital ratio | 20.1979% | 1,873 |
| Memoranda: | ||
| Average total assets | $819,646,200 | 795 |
| Average earning assets | $786,016,200 | 750 |
| Average equity | $98,057,000 | 699 |
| Average total loans | $781,161,000 | 522 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3168% | 1,799 |
| Cost of funding earning assets | 1.5099% | 825 |
| Net interest margin | 3.8068% | 3,838 |
| Noninterest income to average assets | 0.0791% | 6,846 |
| Noninterest expense to average assets | 1.2558% | 7,327 |
| Loan and lease loss provision to assets | 0.0143% | 6,251 |
| Net operating income to assets | 1.4351% | 1,087 |
| Return on assets (ROA) | 1.4351% | 1,157 |
| Pretax return on assets | 2.4588% | 265 |
| Return on Equity (ROE) | 12.1057% | 1,526 |
| Retained earnings to average equity (ytd only) | 9.0119% | 1,137 |
| Net charge-offs to loans | 0.0125% | 5,973 |
| Credit loss provision to net charge-offs | 120.5479% | 2,693 |
| Earnings coverage of net charge-offs (x) | 207.8376% | 189 |
| Efficiency ratio | 33.6772% | 7,334 |
| Assets per employee ($millions) | 10.3761% | 223 |
| Cash dividends to net income (ytd only)* | 25.5566% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3632% | 7,253 |
| 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 | 95.6109% | 3 |
| Net loans and leases to deposits | 143.7652% | 30 |
| Net loans and leases to core deposits | 182.8266% | 77 |
| Total domestic deposits to total assets | 66.5049% | 7,185 |
| Equity capital to assets | 12.2351% | 2,068 |
| Core capital (leverage) ratio | 12.2351% | 1,573 |
| Tier 1 risk-based capital ratio | 19.4908% | 1,817 |
| Total risk-based capital ratio | 20.0460% | 1,960 |
| Memoranda: | ||
| Average total assets | $817,953,250 | 805 |
| Average earning assets | $784,217,250 | 760 |
| Average equity | $96,965,500 | 710 |
| Average total loans | $777,909,000 | 532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 1,714 |
| Cost of funding earning assets | 1.5480% | 843 |
| Net interest margin | 3.8042% | 3,761 |
| Noninterest income to average assets | 0.0866% | 6,893 |
| Noninterest expense to average assets | 1.2626% | 7,406 |
| Loan and lease loss provision to assets | 0.0166% | 6,076 |
| Net operating income to assets | 1.4331% | 1,015 |
| Return on assets (ROA) | 1.4331% | 1,073 |
| Pretax return on assets | 2.4550% | 264 |
| Return on Equity (ROE) | 12.2203% | 1,430 |
| Retained earnings to average equity (ytd only) | 9.0907% | 1,071 |
| Net charge-offs to loans | 0.0188% | 5,574 |
| Credit loss provision to net charge-offs | 93.1507% | 3,370 |
| Earnings coverage of net charge-offs (x) | 138.3699% | 260 |
| Efficiency ratio | 33.8117% | 7,410 |
| Assets per employee ($millions) | 10.6863% | 203 |
| Cash dividends to net income (ytd only)* | 25.6104% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3633% | 7,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 94.5607% | 6 |
| Net loans and leases to deposits | 142.7464% | 38 |
| Net loans and leases to core deposits | 188.3429% | 79 |
| Total domestic deposits to total assets | 66.2438% | 7,257 |
| Equity capital to assets | 11.9183% | 2,151 |
| Core capital (leverage) ratio | 11.9183% | 1,650 |
| Tier 1 risk-based capital ratio | 19.0674% | 1,823 |
| Total risk-based capital ratio | 19.6190% | 2,004 |
| Memoranda: | ||
| Average total assets | $817,368,330 | 820 |
| Average earning assets | $783,714,330 | 767 |
| Average equity | $95,856,670 | 713 |
| Average total loans | $775,016,330 | 545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 1,605 |
| Cost of funding earning assets | 1.5626% | 942 |
| Net interest margin | 3.8243% | 3,491 |
| Noninterest income to average assets | 0.0732% | 7,027 |
| Noninterest expense to average assets | 1.2870% | 7,465 |
| Loan and lease loss provision to assets | 0.0123% | 5,760 |
| Net operating income to assets | 1.4264% | 1,020 |
| Return on assets (ROA) | 1.4264% | 1,054 |
| Pretax return on assets | 2.4428% | 265 |
| Return on Equity (ROE) | 12.2638% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.0976% | 1,355 |
| Net charge-offs to loans | 0.0005% | 5,106 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 5,000.0000% | 2 |
| Efficiency ratio | 34.3918% | 7,463 |
| Assets per employee ($millions) | 11.1781% | 184 |
| Cash dividends to net income (ytd only)* | 25.8176% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3696% | 7,361 |
| 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 | 94.6841% | 8 |
| Net loans and leases to deposits | 144.1085% | 37 |
| Net loans and leases to core deposits | 187.8821% | 84 |
| Total domestic deposits to total assets | 65.7033% | 7,338 |
| Equity capital to assets | 11.7452% | 2,079 |
| Core capital (leverage) ratio | 11.7452% | 1,707 |
| Tier 1 risk-based capital ratio | 18.7303% | 1,887 |
| Total risk-based capital ratio | 19.2904% | 2,070 |
| Memoranda: | ||
| Average total assets | $814,630,000 | 827 |
| Average earning assets | $781,537,000 | 775 |
| Average equity | $94,750,500 | 714 |
| Average total loans | $772,062,000 | 555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4693% | 2,409 |
| Cost of funding earning assets | 1.7957% | 1,186 |
| Net interest margin | 3.6736% | 4,475 |
| Noninterest income to average assets | 0.0726% | 7,018 |
| Noninterest expense to average assets | 1.2376% | 7,540 |
| Loan and lease loss provision to assets | 0.0050% | 7,019 |
| Net operating income to assets | 1.3808% | 987 |
| Return on assets (ROA) | 1.3808% | 1,057 |
| Pretax return on assets | 2.3457% | 238 |
| Return on Equity (ROE) | 12.7157% | 1,162 |
| Retained earnings to average equity (ytd only) | 10.1818% | 484 |
| Net charge-offs to loans | 0.0017% | 6,840 |
| Credit loss provision to net charge-offs | 315.3846% | 830 |
| Earnings coverage of net charge-offs (x) | 1,478.6923% | 8 |
| Efficiency ratio | 34.4886% | 7,554 |
| Assets per employee ($millions) | 11.1405% | 189 |
| Cash dividends to net income (ytd only)* | 19.9274% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3699% | 7,444 |
| 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 | 94.1634% | 11 |
| Net loans and leases to deposits | 146.4444% | 37 |
| Net loans and leases to core deposits | 192.3827% | 90 |
| Total domestic deposits to total assets | 64.2997% | 7,438 |
| Equity capital to assets | 11.5166% | 2,244 |
| Core capital (leverage) ratio | 11.5166% | 1,821 |
| Tier 1 risk-based capital ratio | 18.8326% | 1,758 |
| Total risk-based capital ratio | 19.4042% | 1,917 |
| Memoranda: | ||
| Average total assets | $817,739,600 | 829 |
| Average earning assets | $782,589,400 | 782 |
| Average equity | $88,796,000 | 755 |
| Average total loans | $766,012,600 | 566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 2,526 |
| Cost of funding earning assets | 1.8235% | 1,331 |
| Net interest margin | 3.6546% | 4,611 |
| Noninterest income to average assets | 0.0726% | 7,171 |
| Noninterest expense to average assets | 1.2471% | 7,650 |
| Loan and lease loss provision to assets | 0.0034% | 6,965 |
| Net operating income to assets | 1.3648% | 1,182 |
| Return on assets (ROA) | 1.3648% | 1,263 |
| Pretax return on assets | 2.3188% | 323 |
| Return on Equity (ROE) | 12.7606% | 1,326 |
| Retained earnings to average equity (ytd only) | 10.8576% | 625 |
| Net charge-offs to loans | 0.0037% | 6,629 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 679.1257% | 38 |
| Efficiency ratio | 34.9391% | 7,642 |
| Assets per employee ($millions) | 11.7181% | 178 |
| Cash dividends to net income (ytd only)* | 14.9130% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3690% | 7,556 |
| 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 | 92.6187% | 21 |
| Net loans and leases to deposits | 145.9195% | 40 |
| Net loans and leases to core deposits | 192.3098% | 96 |
| Total domestic deposits to total assets | 63.4725% | 7,532 |
| Equity capital to assets | 11.1835% | 2,785 |
| Core capital (leverage) ratio | 11.1835% | 2,139 |
| Tier 1 risk-based capital ratio | 18.3372% | 1,924 |
| Total risk-based capital ratio | 18.8997% | 2,097 |
| Memoranda: | ||
| Average total assets | $818,859,500 | 827 |
| Average earning assets | $783,468,750 | 782 |
| Average equity | $87,580,000 | 761 |
| Average total loans | $765,356,750 | 565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 2,657 |
| Cost of funding earning assets | 1.8473% | 1,441 |
| Net interest margin | 3.6211% | 4,729 |
| Noninterest income to average assets | 0.0736% | 7,221 |
| Noninterest expense to average assets | 1.2512% | 7,720 |
| Loan and lease loss provision to assets | 0.0120% | 6,789 |
| Net operating income to assets | 1.3382% | 1,221 |
| Return on assets (ROA) | 1.3382% | 1,294 |
| Pretax return on assets | 2.2737% | 355 |
| Return on Equity (ROE) | 12.7060% | 1,311 |
| Retained earnings to average equity (ytd only) | 11.5459% | 559 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3762% | 7,702 |
| Assets per employee ($millions) | 11.6783% | 173 |
| Cash dividends to net income (ytd only)* | 9.1308% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3717% | 7,618 |
| 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 | 93.8718% | 14 |
| Net loans and leases to deposits | 149.7197% | 38 |
| Net loans and leases to core deposits | 196.5094% | 99 |
| Total domestic deposits to total assets | 62.6984% | 7,613 |
| Equity capital to assets | 10.9561% | 2,910 |
| Core capital (leverage) ratio | 10.9561% | 2,273 |
| Tier 1 risk-based capital ratio | 17.6623% | 2,050 |
| Total risk-based capital ratio | 18.2269% | 2,241 |
| Memoranda: | ||
| Average total assets | $818,391,330 | 833 |
| Average earning assets | $782,748,330 | 783 |
| Average equity | $86,195,330 | 760 |
| Average total loans | $766,298,330 | 568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 2,845 |
| Cost of funding earning assets | 1.8824% | 1,522 |
| Net interest margin | 3.5615% | 4,895 |
| Noninterest income to average assets | 0.0606% | 7,415 |
| Noninterest expense to average assets | 1.2623% | 7,815 |
| Loan and lease loss provision to assets | 0.0127% | 6,488 |
| Net operating income to assets | 1.2911% | 1,320 |
| Return on assets (ROA) | 1.2911% | 1,392 |
| Pretax return on assets | 2.1933% | 425 |
| Return on Equity (ROE) | 12.5096% | 1,371 |
| Retained earnings to average equity (ytd only) | 12.5096% | 681 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3944% | 7,790 |
| Assets per employee ($millions) | 11.8244% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3701% | 7,710 |
| 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 | 92.3770% | 32 |
| Net loans and leases to deposits | 151.2364% | 43 |
| Net loans and leases to core deposits | 199.9359% | 102 |
| Total domestic deposits to total assets | 61.0812% | 7,737 |
| Equity capital to assets | 10.5369% | 3,213 |
| Core capital (leverage) ratio | 10.5369% | 2,585 |
| Tier 1 risk-based capital ratio | 17.0778% | 2,243 |
| Total risk-based capital ratio | 17.6339% | 2,446 |
| Memoranda: | ||
| Average total assets | $818,845,000 | 843 |
| Average earning assets | $783,485,500 | 795 |
| Average equity | $84,511,000 | 782 |
| Average total loans | $764,322,500 | 590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 3,272 |
| Cost of funding earning assets | 2.1355% | 2,305 |
| Net interest margin | 3.5308% | 4,815 |
| Noninterest income to average assets | 0.0631% | 7,440 |
| Noninterest expense to average assets | 1.3104% | 7,868 |
| Loan and lease loss provision to assets | 0.0154% | 7,345 |
| Net operating income to assets | 1.2525% | 1,127 |
| Return on assets (ROA) | 1.2525% | 1,183 |
| Pretax return on assets | 2.1231% | 326 |
| Return on Equity (ROE) | 13.8844% | 802 |
| Retained earnings to average equity (ytd only) | 13.8844% | 124 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9958% | 7,886 |
| Assets per employee ($millions) | 11.5711% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3697% | 7,783 |
| 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 | 93.6291% | 16 |
| Net loans and leases to deposits | 153.0107% | 39 |
| Net loans and leases to core deposits | 264.7074% | 42 |
| Total domestic deposits to total assets | 61.1912% | 7,781 |
| Equity capital to assets | 10.0999% | 3,618 |
| Core capital (leverage) ratio | 10.0999% | 2,996 |
| Tier 1 risk-based capital ratio | 16.4764% | 2,327 |
| Total risk-based capital ratio | 17.0431% | 2,543 |
| Memoranda: | ||
| Average total assets | $787,289,600 | 870 |
| Average earning assets | $754,951,600 | 821 |
| Average equity | $71,022,000 | 921 |
| Average total loans | $749,403,400 | 612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 3,109 |
| Cost of funding earning assets | 2.2024% | 2,407 |
| Net interest margin | 3.5455% | 4,689 |
| Noninterest income to average assets | 0.0648% | 7,585 |
| Noninterest expense to average assets | 1.3159% | 7,956 |
| Loan and lease loss provision to assets | 0.0227% | 7,127 |
| Net operating income to assets | 1.2599% | 1,319 |
| Return on assets (ROA) | 1.2599% | 1,382 |
| Pretax return on assets | 2.1287% | 418 |
| Return on Equity (ROE) | 14.4129% | 854 |
| Retained earnings to average equity (ytd only) | 14.4129% | 175 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9514% | 7,950 |
| Assets per employee ($millions) | 11.8740% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3731% | 7,845 |
| 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 | 95.1677% | 13 |
| Net loans and leases to deposits | 168.8118% | 42 |
| Net loans and leases to core deposits | 303.4549% | 35 |
| Total domestic deposits to total assets | 56.3750% | 7,920 |
| Equity capital to assets | 9.0587% | 5,403 |
| Core capital (leverage) ratio | 9.0587% | 4,560 |
| Tier 1 risk-based capital ratio | 14.2323% | 3,420 |
| Total risk-based capital ratio | 14.7922% | 3,754 |
| Memoranda: | ||
| Average total assets | $781,617,250 | 882 |
| Average earning assets | $750,069,000 | 840 |
| Average equity | $68,325,750 | 975 |
| Average total loans | $746,456,750 | 634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 2,948 |
| Cost of funding earning assets | 2.2888% | 2,395 |
| Net interest margin | 3.5334% | 4,643 |
| Noninterest income to average assets | 0.0687% | 7,642 |
| Noninterest expense to average assets | 1.3493% | 8,037 |
| Loan and lease loss provision to assets | 0.0299% | 6,947 |
| Net operating income to assets | 1.2348% | 1,392 |
| Return on assets (ROA) | 1.2348% | 1,471 |
| Pretax return on assets | 2.0812% | 457 |
| Return on Equity (ROE) | 14.3026% | 945 |
| Retained earnings to average equity (ytd only) | 14.3026% | 243 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9943% | 8,036 |
| Assets per employee ($millions) | 11.4798% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3716% | 7,932 |
| 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 | 95.3877% | 12 |
| Net loans and leases to deposits | 192.5532% | 37 |
| Net loans and leases to core deposits | 319.4930% | 36 |
| Total domestic deposits to total assets | 49.5384% | 8,062 |
| Equity capital to assets | 8.7693% | 5,642 |
| Core capital (leverage) ratio | 8.7693% | 4,979 |
| Tier 1 risk-based capital ratio | 13.4896% | 3,819 |
| Total risk-based capital ratio | 14.0369% | 4,210 |
| Memoranda: | ||
| Average total assets | $776,970,330 | 903 |
| Average earning assets | $745,800,330 | 857 |
| Average equity | $67,078,670 | 1,004 |
| Average total loans | $741,959,330 | 655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9593% | 2,530 |
| Cost of funding earning assets | 2.3786% | 2,384 |
| Net interest margin | 3.5807% | 4,406 |
| Noninterest income to average assets | 0.0629% | 7,750 |
| Noninterest expense to average assets | 1.2981% | 8,076 |
| Loan and lease loss provision to assets | 0.0359% | 6,496 |
| Net operating income to assets | 1.2950% | 1,395 |
| Return on assets (ROA) | 1.2950% | 1,489 |
| Pretax return on assets | 2.1653% | 475 |
| Return on Equity (ROE) | 15.1229% | 958 |
| Retained earnings to average equity (ytd only) | 15.1229% | 403 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0970% | 8,098 |
| Assets per employee ($millions) | 11.2645% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3622% | 7,987 |
| 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 | 95.2427% | 14 |
| Net loans and leases to deposits | 192.8327% | 37 |
| Net loans and leases to core deposits | 315.1469% | 34 |
| Total domestic deposits to total assets | 49.3914% | 8,099 |
| Equity capital to assets | 8.6382% | 5,861 |
| Core capital (leverage) ratio | 8.6382% | 5,274 |
| Tier 1 risk-based capital ratio | 13.1940% | 4,055 |
| Total risk-based capital ratio | 13.7228% | 4,484 |
| Memoranda: | ||
| Average total assets | $769,404,000 | 911 |
| Average earning assets | $738,405,500 | 868 |
| Average equity | $65,887,000 | 1,025 |
| Average total loans | $733,745,500 | 674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2912% | 4,011 |
| Cost of funding earning assets | 3.2266% | 1,106 |
| Net interest margin | 3.0646% | 6,750 |
| Noninterest income to average assets | 0.0556% | 7,863 |
| Noninterest expense to average assets | 1.2117% | 8,162 |
| Loan and lease loss provision to assets | 0.0452% | 6,848 |
| Net operating income to assets | 1.0239% | 2,459 |
| Return on assets (ROA) | 1.0239% | 2,341 |
| Pretax return on assets | 1.7406% | 1,064 |
| Return on Equity (ROE) | 12.2708% | 1,530 |
| Retained earnings to average equity (ytd only) | 12.2708% | 210 |
| Net charge-offs to loans | 0.0043% | 6,927 |
| Credit loss provision to net charge-offs | 1,096.6667% | 405 |
| Earnings coverage of net charge-offs (x) | 433.5333% | 120 |
| Efficiency ratio | 40.4242% | 8,121 |
| Assets per employee ($millions) | 11.1993% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3771% | 8,013 |
| Loan loss allowance to noncurrent loans | 30,355.5556% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 7,664 |
| Noncurrent loans to loans | 0.0012% | 7,564 |
| Net loans and leases to total assets | 94.7786% | 18 |
| Net loans and leases to deposits | 194.9096% | 44 |
| Net loans and leases to core deposits | 301.4811% | 45 |
| Total domestic deposits to total assets | 48.6270% | 8,136 |
| Equity capital to assets | 8.4870% | 6,107 |
| Core capital (leverage) ratio | 8.4870% | 5,602 |
| Tier 1 risk-based capital ratio | 13.1861% | 4,005 |
| Total risk-based capital ratio | 13.7434% | 4,344 |
| Memoranda: | ||
| Average total assets | $728,304,400 | 917 |
| Average earning assets | $699,152,400 | 873 |
| Average equity | $60,770,400 | 1,107 |
| Average total loans | $691,741,200 | 687 |