Home > Oakworth Capital Bank > Performance and Condition Ratios
Oakworth Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0256% | 614 |
| Cost of funding earning assets | 2.5171% | 349 |
| Net interest margin | 3.5085% | 2,163 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 2.8662% | 1,347 |
| Loan and lease loss provision to assets | 0.8900% | 81 |
| Net operating income to assets | 0.4572% | 3,753 |
| Return on assets (ROA) | 0.4572% | 3,752 |
| Pretax return on assets | 0.5868% | 3,659 |
| Return on Equity (ROE) | 5.3700% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.3713% | 2,458 |
| Net charge-offs to loans | 0.8754% | 119 |
| Credit loss provision to net charge-offs | 130.4683% | 1,596 |
| Earnings coverage of net charge-offs (x) | 2.1676% | 2,716 |
| Efficiency ratio | 66.0393% | 2,349 |
| Assets per employee ($millions) | 10.2181% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,425 |
| Loan loss allowance to noncurrent loans | 274.1766% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 1,616 |
| Noncurrent loans to loans | 0.4295% | 1,708 |
| Net loans and leases to total assets | 76.6400% | 1,025 |
| Net loans and leases to deposits | 84.9968% | 1,690 |
| Net loans and leases to core deposits | 86.5483% | 2,271 |
| Total domestic deposits to total assets | 90.1700% | 716 |
| Equity capital to assets | 8.3056% | 3,192 |
| Core capital (leverage) ratio | 9.3076% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7268% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,428,700,800 | 739 |
| Average earning assets | $1,363,812,000 | 718 |
| Average equity | $121,610,000 | 810 |
| Average total loans | $1,109,723,400 | 671 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9837% | 543 |
| Cost of funding earning assets | 2.3868% | 342 |
| Net interest margin | 3.5969% | 2,017 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.8881% | 1,250 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.0408% | 2,243 |
| Return on assets (ROA) | 1.0408% | 2,233 |
| Pretax return on assets | 1.3730% | 1,839 |
| Return on Equity (ROE) | 12.1400% | 2,086 |
| Retained earnings to average equity (ytd only) | 12.1421% | 949 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.0116% | 2,389 |
| Assets per employee ($millions) | 9.7919% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,445 |
| Loan loss allowance to noncurrent loans | 135.7807% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 828 |
| Noncurrent loans to loans | 0.8719% | 952 |
| Net loans and leases to total assets | 78.1800% | 858 |
| Net loans and leases to deposits | 89.5471% | 1,264 |
| Net loans and leases to core deposits | 90.3308% | 1,910 |
| Total domestic deposits to total assets | 87.3000% | 1,801 |
| Equity capital to assets | 8.4309% | 2,763 |
| Core capital (leverage) ratio | 9.3603% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0978% | 2,808 |
| Memoranda: | ||
| Average total assets | $1,384,817,000 | 756 |
| Average earning assets | $1,322,844,750 | 734 |
| Average equity | $118,702,250 | 828 |
| Average total loans | $1,076,121,000 | 688 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7742% | 572 |
| Cost of funding earning assets | 2.1387% | 384 |
| Net interest margin | 3.6355% | 1,958 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 2.8493% | 1,327 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.0574% | 2,241 |
| Return on assets (ROA) | 1.0574% | 2,239 |
| Pretax return on assets | 1.3892% | 1,841 |
| Return on Equity (ROE) | 12.2600% | 2,075 |
| Retained earnings to average equity (ytd only) | 12.2645% | 939 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.0072% | 2,491 |
| Assets per employee ($millions) | 9.7168% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,501 |
| 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 | 76.5800% | 991 |
| Net loans and leases to deposits | 87.6193% | 1,375 |
| Net loans and leases to core deposits | 88.5445% | 1,892 |
| Total domestic deposits to total assets | 87.4000% | 1,803 |
| Equity capital to assets | 8.5200% | 2,847 |
| Core capital (leverage) ratio | 9.5854% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1923% | 2,821 |
| Memoranda: | ||
| Average total assets | $1,363,354,333 | 759 |
| Average earning assets | $1,302,933,667 | 734 |
| Average equity | $117,542,667 | 829 |
| Average total loans | $1,052,652,667 | 682 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 590 |
| Cost of funding earning assets | 1.8308% | 428 |
| Net interest margin | 3.6996% | 1,899 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.8078% | 1,412 |
| Loan and lease loss provision to assets | 0.3400% | 246 |
| Net operating income to assets | 1.0520% | 2,375 |
| Return on assets (ROA) | 1.0520% | 2,342 |
| Pretax return on assets | 1.3814% | 1,930 |
| Return on Equity (ROE) | 12.1200% | 2,187 |
| Retained earnings to average equity (ytd only) | 12.1248% | 1,243 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0566% | 2,688 |
| Assets per employee ($millions) | 9.7528% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,610 |
| 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 | 80.2000% | 518 |
| Net loans and leases to deposits | 92.2461% | 902 |
| Net loans and leases to core deposits | 93.5736% | 1,420 |
| Total domestic deposits to total assets | 86.9400% | 2,292 |
| Equity capital to assets | 8.9031% | 2,590 |
| Core capital (leverage) ratio | 9.7938% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2593% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,330,849,500 | 788 |
| Average earning assets | $1,272,460,000 | 758 |
| Average equity | $115,466,000 | 854 |
| Average total loans | $1,025,465,000 | 708 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 2,040 |
| Cost of funding earning assets | 0.4834% | 1,504 |
| Net interest margin | 3.3961% | 2,273 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.7642% | 1,402 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.0007% | 2,562 |
| Return on assets (ROA) | 1.0007% | 2,510 |
| Pretax return on assets | 1.3145% | 2,037 |
| Return on Equity (ROE) | 12.2300% | 2,064 |
| Retained earnings to average equity (ytd only) | 12.2335% | 623 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.8518% | 2,518 |
| Assets per employee ($millions) | 10.1932% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,382 |
| 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 | 72.1000% | 1,407 |
| Net loans and leases to deposits | 79.9387% | 1,773 |
| Net loans and leases to core deposits | 81.0977% | 2,063 |
| Total domestic deposits to total assets | 90.1900% | 1,276 |
| Equity capital to assets | 8.4507% | 2,735 |
| Core capital (leverage) ratio | 9.7279% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8262% | 2,780 |
| Memoranda: | ||
| Average total assets | $1,230,542,000 | 841 |
| Average earning assets | $1,176,682,400 | 805 |
| Average equity | $100,658,000 | 943 |
| Average total loans | $855,799,000 | 782 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 2,687 |
| Cost of funding earning assets | 0.2207% | 3,029 |
| Net interest margin | 3.2578% | 2,434 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.7205% | 1,421 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.9412% | 2,702 |
| Return on assets (ROA) | 0.9412% | 2,670 |
| Pretax return on assets | 1.2350% | 2,245 |
| Return on Equity (ROE) | 11.6100% | 2,166 |
| Retained earnings to average equity (ytd only) | 11.6131% | 885 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0659% | 2,546 |
| Assets per employee ($millions) | 9.3360% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,507 |
| 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 | 74.8800% | 1,022 |
| Net loans and leases to deposits | 83.1102% | 1,359 |
| Net loans and leases to core deposits | 84.9370% | 1,588 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 8.6735% | 2,425 |
| Core capital (leverage) ratio | 10.1516% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9547% | 2,828 |
| Memoranda: | ||
| Average total assets | $1,204,349,500 | 855 |
| Average earning assets | $1,151,397,500 | 824 |
| Average equity | $97,611,750 | 965 |
| Average total loans | $826,149,250 | 803 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0822% | 3,353 |
| Cost of funding earning assets | 0.1080% | 4,103 |
| Net interest margin | 2.9742% | 2,961 |
| Noninterest income to average assets | 1.0701% | 587 |
| Noninterest expense to average assets | 2.6013% | 1,634 |
| Loan and lease loss provision to assets | 0.2171% | 363 |
| Net operating income to assets | 0.8482% | 2,785 |
| Return on assets (ROA) | 0.8482% | 2,763 |
| Pretax return on assets | 1.1099% | 2,370 |
| Return on Equity (ROE) | 10.7237% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.7237% | 839 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9807% | 2,512 |
| Assets per employee ($millions) | 9.0417% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,460 |
| 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 | 74.0682% | 916 |
| Net loans and leases to deposits | 81.8628% | 1,254 |
| Net loans and leases to core deposits | 83.5724% | 1,479 |
| Total domestic deposits to total assets | 90.4784% | 1,480 |
| Equity capital to assets | 8.2815% | 2,923 |
| Core capital (leverage) ratio | 8.6607% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3134% | 2,968 |
| Memoranda: | ||
| Average total assets | $1,195,015,667 | 856 |
| Average earning assets | $1,148,401,000 | 829 |
| Average equity | $94,519,667 | 1,001 |
| Average total loans | $790,198,000 | 816 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7381% | 3,868 |
| Cost of funding earning assets | 0.0936% | 4,218 |
| Net interest margin | 2.6445% | 3,544 |
| Noninterest income to average assets | 1.0601% | 610 |
| Noninterest expense to average assets | 2.5075% | 1,864 |
| Loan and lease loss provision to assets | 0.1197% | 696 |
| Net operating income to assets | 0.7556% | 2,826 |
| Return on assets (ROA) | 0.7556% | 2,821 |
| Pretax return on assets | 0.9849% | 2,486 |
| Return on Equity (ROE) | 9.7668% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.7668% | 1,079 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1660% | 2,353 |
| Assets per employee ($millions) | 9.9191% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,569 |
| 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 | 61.3861% | 1,928 |
| Net loans and leases to deposits | 67.3534% | 2,210 |
| Net loans and leases to core deposits | 69.9135% | 2,301 |
| Total domestic deposits to total assets | 91.1403% | 958 |
| Equity capital to assets | 7.6711% | 3,814 |
| Core capital (leverage) ratio | 8.0566% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0717% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,222,899,500 | 844 |
| Average earning assets | $1,180,095,000 | 813 |
| Average equity | $94,606,000 | 1,029 |
| Average total loans | $758,081,000 | 823 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 3,173 |
| Cost of funding earning assets | 0.1038% | 4,356 |
| Net interest margin | 3.2068% | 2,580 |
| Noninterest income to average assets | 1.1325% | 821 |
| Noninterest expense to average assets | 2.7032% | 1,627 |
| Loan and lease loss provision to assets | 0.1029% | 1,222 |
| Net operating income to assets | 1.0930% | 2,323 |
| Return on assets (ROA) | 1.0930% | 2,388 |
| Pretax return on assets | 1.4278% | 1,952 |
| Return on Equity (ROE) | 12.2467% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.1232% | 680 |
| Net charge-offs to loans | -0.0007% | 3,252 |
| Credit loss provision to net charge-offs | -20,520.0000% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5784% | 2,630 |
| Assets per employee ($millions) | 10.1337% | 639 |
| Cash dividends to net income (ytd only)* | 9.1735% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,628 |
| 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 | 61.0366% | 2,053 |
| Net loans and leases to deposits | 66.5672% | 2,458 |
| Net loans and leases to core deposits | 69.1438% | 2,535 |
| Total domestic deposits to total assets | 91.6918% | 268 |
| Equity capital to assets | 7.8031% | 4,467 |
| Core capital (leverage) ratio | 8.4174% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8627% | 2,919 |
| Memoranda: | ||
| Average total assets | $997,305,800 | 963 |
| Average earning assets | $964,536,000 | 932 |
| Average equity | $89,011,800 | 1,114 |
| Average total loans | $711,506,200 | 868 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 2,998 |
| Cost of funding earning assets | 0.1118% | 4,413 |
| Net interest margin | 3.3235% | 2,349 |
| Noninterest income to average assets | 1.1507% | 862 |
| Noninterest expense to average assets | 2.7693% | 1,413 |
| Loan and lease loss provision to assets | 0.0762% | 1,529 |
| Net operating income to assets | 1.1560% | 2,340 |
| Return on assets (ROA) | 1.1560% | 2,400 |
| Pretax return on assets | 1.5144% | 1,957 |
| Return on Equity (ROE) | 12.4531% | 1,885 |
| Retained earnings to average equity (ytd only) | 12.4531% | 735 |
| Net charge-offs to loans | -0.0009% | 3,118 |
| Credit loss provision to net charge-offs | -10,800.0000% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2466% | 2,505 |
| Assets per employee ($millions) | 8.7016% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,748 |
| 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 | 69.2242% | 1,163 |
| Net loans and leases to deposits | 76.6829% | 1,600 |
| Net loans and leases to core deposits | 81.6601% | 1,598 |
| Total domestic deposits to total assets | 90.2733% | 645 |
| Equity capital to assets | 9.1484% | 3,697 |
| Core capital (leverage) ratio | 9.4690% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $945,153,750 | 1,014 |
| Average earning assets | $912,634,250 | 988 |
| Average equity | $87,740,000 | 1,137 |
| Average total loans | $703,041,750 | 895 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 3,005 |
| Cost of funding earning assets | 0.1205% | 4,439 |
| Net interest margin | 3.3402% | 2,329 |
| Noninterest income to average assets | 1.1109% | 915 |
| Noninterest expense to average assets | 2.7722% | 1,415 |
| Loan and lease loss provision to assets | 0.0569% | 1,894 |
| Net operating income to assets | 1.1601% | 2,335 |
| Return on assets (ROA) | 1.1601% | 2,396 |
| Pretax return on assets | 1.5156% | 1,971 |
| Return on Equity (ROE) | 12.4307% | 1,900 |
| Retained earnings to average equity (ytd only) | 12.4307% | 825 |
| Net charge-offs to loans | 0.0180% | 1,584 |
| Credit loss provision to net charge-offs | 417.4603% | 741 |
| Earnings coverage of net charge-offs (x) | 115.2857% | 685 |
| Efficiency ratio | 63.5272% | 2,494 |
| Assets per employee ($millions) | 8.4093% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,943 |
| 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 | 75.5505% | 630 |
| Net loans and leases to deposits | 84.1836% | 1,051 |
| Net loans and leases to core deposits | 91.1202% | 1,057 |
| Total domestic deposits to total assets | 89.7449% | 898 |
| Equity capital to assets | 9.6516% | 3,198 |
| Core capital (leverage) ratio | 9.4097% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $923,741,333 | 1,027 |
| Average earning assets | $894,306,000 | 1,000 |
| Average equity | $86,205,667 | 1,151 |
| Average total loans | $701,531,667 | 893 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 3,398 |
| Cost of funding earning assets | 0.1239% | 4,501 |
| Net interest margin | 3.2006% | 2,694 |
| Noninterest income to average assets | 1.0651% | 1,030 |
| Noninterest expense to average assets | 2.7681% | 1,440 |
| Loan and lease loss provision to assets | -0.0962% | 4,714 |
| Net operating income to assets | 1.1509% | 2,334 |
| Return on assets (ROA) | 1.1509% | 2,402 |
| Pretax return on assets | 1.4950% | 2,006 |
| Return on Equity (ROE) | 12.5477% | 1,819 |
| Retained earnings to average equity (ytd only) | 12.5477% | 1,018 |
| Net charge-offs to loans | -0.0006% | 3,017 |
| Credit loss provision to net charge-offs | 22,200.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1398% | 2,210 |
| Assets per employee ($millions) | 8.6511% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,187 |
| 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 | 74.1136% | 804 |
| Net loans and leases to deposits | 82.0946% | 1,328 |
| Net loans and leases to core deposits | 86.2216% | 1,505 |
| Total domestic deposits to total assets | 90.2783% | 683 |
| Equity capital to assets | 9.1589% | 3,537 |
| Core capital (leverage) ratio | 9.2128% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $923,101,500 | 1,018 |
| Average earning assets | $894,570,000 | 987 |
| Average equity | $84,669,000 | 1,151 |
| Average total loans | $698,626,500 | 900 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 3,752 |
| Cost of funding earning assets | 0.4077% | 3,533 |
| Net interest margin | 3.2139% | 3,322 |
| Noninterest income to average assets | 1.0255% | 1,001 |
| Noninterest expense to average assets | 2.7924% | 1,961 |
| Loan and lease loss provision to assets | 0.1565% | 2,415 |
| Net operating income to assets | 0.9175% | 2,620 |
| Return on assets (ROA) | 0.9272% | 2,725 |
| Pretax return on assets | 1.1951% | 2,343 |
| Return on Equity (ROE) | 9.3828% | 2,250 |
| Retained earnings to average equity (ytd only) | 6.8750% | 1,438 |
| Net charge-offs to loans | 0.0016% | 3,359 |
| Credit loss provision to net charge-offs | 12,630.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,081.0000% | 106 |
| Efficiency ratio | 67.2444% | 2,331 |
| Assets per employee ($millions) | 8.6027% | 864 |
| Cash dividends to net income (ytd only)* | 26.7272% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,001 |
| 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 | 75.4974% | 845 |
| Net loans and leases to deposits | 83.9569% | 1,462 |
| Net loans and leases to core deposits | 88.8849% | 1,619 |
| Total domestic deposits to total assets | 89.9240% | 596 |
| Equity capital to assets | 9.1859% | 3,901 |
| Core capital (leverage) ratio | 9.3429% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $807,095,400 | 1,047 |
| Average earning assets | $780,042,000 | 1,011 |
| Average equity | $79,752,400 | 1,164 |
| Average total loans | $637,706,800 | 928 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 3,933 |
| Cost of funding earning assets | 0.4965% | 3,243 |
| Net interest margin | 3.1416% | 3,639 |
| Noninterest income to average assets | 1.0349% | 972 |
| Noninterest expense to average assets | 2.8230% | 1,906 |
| Loan and lease loss provision to assets | 0.1681% | 2,319 |
| Net operating income to assets | 0.8315% | 2,977 |
| Return on assets (ROA) | 0.8433% | 3,062 |
| Pretax return on assets | 1.0919% | 2,776 |
| Return on Equity (ROE) | 8.3622% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.3622% | 1,187 |
| Net charge-offs to loans | 0.0019% | 3,137 |
| Credit loss provision to net charge-offs | 10,944.4444% | 112 |
| Earnings coverage of net charge-offs (x) | 810.3333% | 151 |
| Efficiency ratio | 69.0393% | 2,029 |
| Assets per employee ($millions) | 8.3605% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,966 |
| 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 | 82.0613% | 429 |
| Net loans and leases to deposits | 95.4301% | 805 |
| Net loans and leases to core deposits | 104.2800% | 910 |
| Total domestic deposits to total assets | 85.9910% | 2,073 |
| Equity capital to assets | 9.8042% | 3,427 |
| Core capital (leverage) ratio | 9.6672% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $780,898,500 | 1,062 |
| Average earning assets | $753,987,750 | 1,022 |
| Average equity | $78,749,250 | 1,166 |
| Average total loans | $622,950,500 | 942 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 4,031 |
| Cost of funding earning assets | 0.6267% | 2,827 |
| Net interest margin | 3.0993% | 3,906 |
| Noninterest income to average assets | 1.0475% | 906 |
| Noninterest expense to average assets | 2.8742% | 1,901 |
| Loan and lease loss provision to assets | 0.1614% | 2,385 |
| Net operating income to assets | 0.7756% | 3,132 |
| Return on assets (ROA) | 0.7937% | 3,178 |
| Pretax return on assets | 1.0254% | 2,950 |
| Return on Equity (ROE) | 7.7904% | 2,833 |
| Retained earnings to average equity (ytd only) | 7.7904% | 1,375 |
| Net charge-offs to loans | 0.0034% | 2,871 |
| Credit loss provision to net charge-offs | 6,130.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 442.1000% | 226 |
| Efficiency ratio | 70.8130% | 1,846 |
| Assets per employee ($millions) | 8.2506% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,014 |
| 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 | 83.4994% | 295 |
| Net loans and leases to deposits | 97.0811% | 722 |
| Net loans and leases to core deposits | 107.1285% | 849 |
| Total domestic deposits to total assets | 86.0099% | 2,006 |
| Equity capital to assets | 9.8196% | 3,352 |
| Core capital (leverage) ratio | 9.6389% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $759,729,000 | 1,074 |
| Average earning assets | $733,058,333 | 1,032 |
| Average equity | $77,403,333 | 1,172 |
| Average total loans | $596,954,333 | 964 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 3,899 |
| Cost of funding earning assets | 0.8900% | 1,921 |
| Net interest margin | 3.0707% | 4,158 |
| Noninterest income to average assets | 1.1483% | 662 |
| Noninterest expense to average assets | 2.9984% | 1,891 |
| Loan and lease loss provision to assets | 0.0432% | 3,239 |
| Net operating income to assets | 0.8235% | 2,819 |
| Return on assets (ROA) | 0.8611% | 2,758 |
| Pretax return on assets | 1.1138% | 2,466 |
| Return on Equity (ROE) | 8.2840% | 2,394 |
| Retained earnings to average equity (ytd only) | 8.2840% | 1,147 |
| Net charge-offs to loans | 0.0073% | 2,309 |
| Credit loss provision to net charge-offs | 790.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 202.8000% | 342 |
| Efficiency ratio | 72.6195% | 1,983 |
| Assets per employee ($millions) | 7.8383% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,270 |
| 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 | 73.9863% | 1,606 |
| Net loans and leases to deposits | 83.2541% | 2,308 |
| Net loans and leases to core deposits | 99.4324% | 1,520 |
| Total domestic deposits to total assets | 88.8681% | 723 |
| Equity capital to assets | 10.2811% | 3,534 |
| Core capital (leverage) ratio | 11.0317% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $731,190,500 | 1,070 |
| Average earning assets | $704,734,000 | 1,029 |
| Average equity | $76,001,500 | 1,186 |
| Average total loans | $550,600,000 | 1,009 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 2,235 |
| Cost of funding earning assets | 1.1109% | 1,283 |
| Net interest margin | 3.6209% | 3,074 |
| Noninterest income to average assets | 1.2553% | 600 |
| Noninterest expense to average assets | 3.0542% | 1,865 |
| Loan and lease loss provision to assets | 0.1320% | 1,619 |
| Net operating income to assets | 1.2446% | 1,889 |
| Return on assets (ROA) | 1.2441% | 1,972 |
| Pretax return on assets | 1.5469% | 1,667 |
| Return on Equity (ROE) | 10.9749% | 1,901 |
| Retained earnings to average equity (ytd only) | 6.8655% | 1,444 |
| Net charge-offs to loans | 0.0200% | 3,022 |
| Credit loss provision to net charge-offs | 833.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 106.0392% | 650 |
| Efficiency ratio | 64.1496% | 3,053 |
| Assets per employee ($millions) | 7.6356% | 817 |
| Cash dividends to net income (ytd only)* | 37.4438% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.8326% | 1,612 |
| Net loans and leases to deposits | 84.6127% | 2,260 |
| Net loans and leases to core deposits | 101.7271% | 1,431 |
| Total domestic deposits to total assets | 88.4413% | 912 |
| Equity capital to assets | 10.5115% | 3,434 |
| Core capital (leverage) ratio | 10.9899% | 2,510 |
| Tier 1 risk-based capital ratio | 12.1964% | 4,245 |
| Total risk-based capital ratio | 13.1995% | 4,273 |
| Memoranda: | ||
| Average total assets | $644,008,400 | 1,160 |
| Average earning assets | $618,662,200 | 1,115 |
| Average equity | $73,003,000 | 1,180 |
| Average total loans | $510,811,200 | 1,059 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 1,926 |
| Cost of funding earning assets | 1.1320% | 1,231 |
| Net interest margin | 3.7346% | 2,808 |
| Noninterest income to average assets | 1.2649% | 572 |
| Noninterest expense to average assets | 3.1301% | 1,639 |
| Loan and lease loss provision to assets | 0.1449% | 1,321 |
| Net operating income to assets | 1.2838% | 1,910 |
| Return on assets (ROA) | 1.2831% | 1,995 |
| Pretax return on assets | 1.5716% | 1,734 |
| Return on Equity (ROE) | 11.0875% | 1,985 |
| Retained earnings to average equity (ytd only) | 11.0875% | 507 |
| Net charge-offs to loans | 0.0268% | 2,556 |
| Credit loss provision to net charge-offs | 673.2673% | 497 |
| Earnings coverage of net charge-offs (x) | 79.7841% | 861 |
| Efficiency ratio | 64.2015% | 2,976 |
| Assets per employee ($millions) | 7.2689% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.9738% | 570 |
| Net loans and leases to deposits | 95.7754% | 1,043 |
| Net loans and leases to core deposits | 121.8425% | 476 |
| Total domestic deposits to total assets | 85.5896% | 2,173 |
| Equity capital to assets | 11.8315% | 2,390 |
| Core capital (leverage) ratio | 11.8482% | 1,961 |
| Tier 1 risk-based capital ratio | 12.6012% | 4,083 |
| Total risk-based capital ratio | 13.5992% | 4,106 |
| Memoranda: | ||
| Average total assets | $625,574,000 | 1,189 |
| Average earning assets | $600,099,250 | 1,144 |
| Average equity | $72,392,250 | 1,186 |
| Average total loans | $502,721,500 | 1,074 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 1,916 |
| Cost of funding earning assets | 1.1212% | 1,222 |
| Net interest margin | 3.7252% | 2,858 |
| Noninterest income to average assets | 1.2729% | 533 |
| Noninterest expense to average assets | 3.1753% | 1,560 |
| Loan and lease loss provision to assets | 0.0990% | 1,888 |
| Net operating income to assets | 1.3240% | 1,679 |
| Return on assets (ROA) | 1.3243% | 1,733 |
| Pretax return on assets | 1.5759% | 1,624 |
| Return on Equity (ROE) | 11.5337% | 1,764 |
| Retained earnings to average equity (ytd only) | 11.5337% | 472 |
| Net charge-offs to loans | -0.0049% | 4,116 |
| Credit loss provision to net charge-offs | -2,550.0000% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0997% | 2,961 |
| Assets per employee ($millions) | 6.9116% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,082 |
| 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 | 81.5729% | 665 |
| Net loans and leases to deposits | 93.4895% | 1,312 |
| Net loans and leases to core deposits | 124.1642% | 423 |
| Total domestic deposits to total assets | 87.2536% | 1,458 |
| Equity capital to assets | 11.8962% | 2,269 |
| Core capital (leverage) ratio | 11.7385% | 1,994 |
| Tier 1 risk-based capital ratio | 12.5966% | 4,080 |
| Total risk-based capital ratio | 13.5795% | 4,094 |
| Memoranda: | ||
| Average total assets | $618,453,670 | 1,195 |
| Average earning assets | $593,842,330 | 1,149 |
| Average equity | $71,009,000 | 1,197 |
| Average total loans | $491,558,670 | 1,096 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 1,937 |
| Cost of funding earning assets | 1.1149% | 1,142 |
| Net interest margin | 3.6729% | 2,996 |
| Noninterest income to average assets | 1.2720% | 522 |
| Noninterest expense to average assets | 3.2160% | 1,462 |
| Loan and lease loss provision to assets | 0.0292% | 3,034 |
| Net operating income to assets | 1.1736% | 2,162 |
| Return on assets (ROA) | 1.1741% | 2,208 |
| Pretax return on assets | 1.5555% | 1,593 |
| Return on Equity (ROE) | 10.4152% | 2,188 |
| Retained earnings to average equity (ytd only) | 10.4152% | 941 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6216% | 2,850 |
| Assets per employee ($millions) | 7.0396% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,129 |
| 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 | 77.7752% | 1,196 |
| Net loans and leases to deposits | 88.4465% | 1,813 |
| Net loans and leases to core deposits | 112.4294% | 811 |
| Total domestic deposits to total assets | 87.9347% | 1,375 |
| Equity capital to assets | 11.4443% | 2,451 |
| Core capital (leverage) ratio | 11.2854% | 2,306 |
| Tier 1 risk-based capital ratio | 12.6154% | 4,086 |
| Total risk-based capital ratio | 13.5866% | 4,141 |
| Memoranda: | ||
| Average total assets | $616,660,000 | 1,201 |
| Average earning assets | $592,345,000 | 1,165 |
| Average equity | $69,514,000 | 1,213 |
| Average total loans | $480,813,500 | 1,122 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 2,001 |
| Cost of funding earning assets | 0.8059% | 1,495 |
| Net interest margin | 3.8405% | 2,533 |
| Noninterest income to average assets | 1.3092% | 540 |
| Noninterest expense to average assets | 3.2899% | 1,345 |
| Loan and lease loss provision to assets | 0.0932% | 2,288 |
| Net operating income to assets | 1.2549% | 1,959 |
| Return on assets (ROA) | 1.2552% | 1,954 |
| Pretax return on assets | 1.6111% | 1,434 |
| Return on Equity (ROE) | 10.8160% | 2,160 |
| Retained earnings to average equity (ytd only) | 7.7611% | 1,345 |
| Net charge-offs to loans | -0.0011% | 4,188 |
| Credit loss provision to net charge-offs | -10,520.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8787% | 2,886 |
| Assets per employee ($millions) | 6.7454% | 1,093 |
| Cash dividends to net income (ytd only)* | 28.2446% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 2,982 |
| 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 | 76.4293% | 1,530 |
| Net loans and leases to deposits | 86.6967% | 2,192 |
| Net loans and leases to core deposits | 110.8486% | 953 |
| Total domestic deposits to total assets | 88.1570% | 1,232 |
| Equity capital to assets | 11.0994% | 2,593 |
| Core capital (leverage) ratio | 11.5266% | 2,083 |
| Tier 1 risk-based capital ratio | 12.5076% | 4,131 |
| Total risk-based capital ratio | 13.4929% | 4,160 |
| Memoranda: | ||
| Average total assets | $564,155,400 | 1,258 |
| Average earning assets | $541,255,400 | 1,230 |
| Average equity | $65,467,800 | 1,230 |
| Average total loans | $466,010,000 | 1,113 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 1,930 |
| Cost of funding earning assets | 0.7312% | 1,676 |
| Net interest margin | 3.8867% | 2,352 |
| Noninterest income to average assets | 1.3315% | 536 |
| Noninterest expense to average assets | 3.3269% | 1,248 |
| Loan and lease loss provision to assets | 0.1271% | 1,581 |
| Net operating income to assets | 1.2248% | 2,144 |
| Return on assets (ROA) | 1.2252% | 2,143 |
| Pretax return on assets | 1.6058% | 1,563 |
| Return on Equity (ROE) | 10.4316% | 2,421 |
| Retained earnings to average equity (ytd only) | 10.4316% | 785 |
| Net charge-offs to loans | -0.0017% | 4,072 |
| Credit loss provision to net charge-offs | -8,766.6667% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7575% | 2,914 |
| Assets per employee ($millions) | 6.1041% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,113 |
| 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 | 82.2200% | 676 |
| Net loans and leases to deposits | 95.9207% | 1,164 |
| Net loans and leases to core deposits | 116.6525% | 688 |
| Total domestic deposits to total assets | 85.7166% | 2,317 |
| Equity capital to assets | 11.7513% | 2,069 |
| Core capital (leverage) ratio | 11.6632% | 2,032 |
| Tier 1 risk-based capital ratio | 12.4533% | 4,224 |
| Total risk-based capital ratio | 13.4378% | 4,285 |
| Memoranda: | ||
| Average total assets | $551,736,000 | 1,288 |
| Average earning assets | $529,182,750 | 1,252 |
| Average equity | $64,801,750 | 1,238 |
| Average total loans | $463,897,000 | 1,122 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 2,155 |
| Cost of funding earning assets | 0.6096% | 2,166 |
| Net interest margin | 3.8720% | 2,302 |
| Noninterest income to average assets | 1.3002% | 571 |
| Noninterest expense to average assets | 3.3248% | 1,261 |
| Loan and lease loss provision to assets | 0.1932% | 892 |
| Net operating income to assets | 1.1545% | 2,376 |
| Return on assets (ROA) | 1.1551% | 2,372 |
| Pretax return on assets | 1.5096% | 1,782 |
| Return on Equity (ROE) | 9.8363% | 2,641 |
| Retained earnings to average equity (ytd only) | 9.8363% | 972 |
| Net charge-offs to loans | -0.0078% | 4,233 |
| Credit loss provision to net charge-offs | -2,922.2222% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1405% | 2,952 |
| Assets per employee ($millions) | 5.9105% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,259 |
| 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 | 84.3822% | 421 |
| Net loans and leases to deposits | 97.9754% | 971 |
| Net loans and leases to core deposits | 125.4143% | 427 |
| Total domestic deposits to total assets | 86.1259% | 2,224 |
| Equity capital to assets | 11.5524% | 2,163 |
| Core capital (leverage) ratio | 11.7830% | 1,848 |
| Tier 1 risk-based capital ratio | 11.9645% | 4,525 |
| Total risk-based capital ratio | 12.9446% | 4,567 |
| Memoranda: | ||
| Average total assets | $544,386,670 | 1,302 |
| Average earning assets | $523,961,330 | 1,263 |
| Average equity | $63,926,670 | 1,250 |
| Average total loans | $459,503,000 | 1,129 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,454 |
| Cost of funding earning assets | 0.4596% | 3,135 |
| Net interest margin | 3.8591% | 2,201 |
| Noninterest income to average assets | 1.3482% | 517 |
| Noninterest expense to average assets | 3.2735% | 1,396 |
| Loan and lease loss provision to assets | 0.1937% | 866 |
| Net operating income to assets | 1.2381% | 1,855 |
| Return on assets (ROA) | 1.2393% | 1,860 |
| Pretax return on assets | 1.6199% | 1,336 |
| Return on Equity (ROE) | 10.4634% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.4634% | 1,030 |
| Net charge-offs to loans | -0.0161% | 4,447 |
| Credit loss provision to net charge-offs | -1,433.3333% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3690% | 3,422 |
| Assets per employee ($millions) | 6.3511% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,379 |
| 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 | 84.2198% | 419 |
| Net loans and leases to deposits | 96.0895% | 1,028 |
| Net loans and leases to core deposits | 116.6906% | 706 |
| Total domestic deposits to total assets | 87.6472% | 1,823 |
| Equity capital to assets | 11.8146% | 1,909 |
| Core capital (leverage) ratio | 11.9626% | 1,671 |
| Tier 1 risk-based capital ratio | 12.8464% | 4,035 |
| Total risk-based capital ratio | 13.8735% | 4,065 |
| Memoranda: | ||
| Average total assets | $532,878,000 | 1,342 |
| Average earning assets | $516,074,000 | 1,294 |
| Average equity | $63,115,500 | 1,270 |
| Average total loans | $447,197,000 | 1,156 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 3,350 |
| Cost of funding earning assets | 0.2345% | 4,691 |
| Net interest margin | 3.7814% | 2,496 |
| Noninterest income to average assets | 1.2406% | 686 |
| Noninterest expense to average assets | 2.9377% | 2,323 |
| Loan and lease loss provision to assets | 0.1313% | 1,748 |
| Net operating income to assets | 1.0770% | 1,954 |
| Return on assets (ROA) | 1.0768% | 1,970 |
| Pretax return on assets | 1.8361% | 721 |
| Return on Equity (ROE) | 9.1085% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.9433% | 790 |
| Net charge-offs to loans | 0.0042% | 3,945 |
| Credit loss provision to net charge-offs | 3,923.5294% | 106 |
| Earnings coverage of net charge-offs (x) | 588.1176% | 151 |
| Efficiency ratio | 59.8893% | 4,285 |
| Assets per employee ($millions) | 6.5739% | 1,163 |
| Cash dividends to net income (ytd only)* | 12.7924% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,353 |
| 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 | 81.7430% | 718 |
| Net loans and leases to deposits | 92.9700% | 1,394 |
| Net loans and leases to core deposits | 105.4913% | 1,301 |
| Total domestic deposits to total assets | 87.9241% | 1,544 |
| Equity capital to assets | 11.8747% | 1,927 |
| Core capital (leverage) ratio | 11.0463% | 2,294 |
| Tier 1 risk-based capital ratio | 12.8558% | 3,999 |
| Total risk-based capital ratio | 13.8577% | 4,031 |
| Memoranda: | ||
| Average total assets | $508,150,000 | 1,377 |
| Average earning assets | $492,469,400 | 1,324 |
| Average equity | $60,076,000 | 1,307 |
| Average total loans | $402,485,800 | 1,225 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 3,718 |
| Cost of funding earning assets | 0.2200% | 4,812 |
| Net interest margin | 3.6687% | 2,871 |
| Noninterest income to average assets | 1.2224% | 699 |
| Noninterest expense to average assets | 2.8966% | 2,421 |
| Loan and lease loss provision to assets | 0.1308% | 1,661 |
| Net operating income to assets | 1.1669% | 1,811 |
| Return on assets (ROA) | 1.1676% | 1,855 |
| Pretax return on assets | 1.7541% | 992 |
| Return on Equity (ROE) | 9.8873% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.8873% | 610 |
| Net charge-offs to loans | 0.0041% | 3,598 |
| Credit loss provision to net charge-offs | 4,116.6667% | 110 |
| Earnings coverage of net charge-offs (x) | 593.0688% | 174 |
| Efficiency ratio | 60.5925% | 4,119 |
| Assets per employee ($millions) | 7.0644% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,478 |
| 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 | 81.5554% | 756 |
| Net loans and leases to deposits | 93.4391% | 1,363 |
| Net loans and leases to core deposits | 103.5057% | 1,431 |
| Total domestic deposits to total assets | 87.2819% | 1,739 |
| Equity capital to assets | 12.2289% | 1,821 |
| Core capital (leverage) ratio | 12.0420% | 1,658 |
| Tier 1 risk-based capital ratio | 13.3429% | 3,799 |
| Total risk-based capital ratio | 14.3581% | 3,844 |
| Memoranda: | ||
| Average total assets | $503,710,250 | 1,402 |
| Average earning assets | $488,522,500 | 1,344 |
| Average equity | $59,482,500 | 1,333 |
| Average total loans | $394,438,000 | 1,255 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,078 |
| Cost of funding earning assets | 0.2079% | 4,906 |
| Net interest margin | 3.5414% | 3,252 |
| Noninterest income to average assets | 1.1843% | 725 |
| Noninterest expense to average assets | 2.8510% | 2,581 |
| Loan and lease loss provision to assets | 0.1095% | 1,863 |
| Net operating income to assets | 1.1102% | 1,927 |
| Return on assets (ROA) | 1.1102% | 1,977 |
| Pretax return on assets | 1.6579% | 1,167 |
| Return on Equity (ROE) | 9.5158% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.5158% | 700 |
| Net charge-offs to loans | -0.0005% | 4,118 |
| Credit loss provision to net charge-offs | -27,500.0000% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7302% | 4,043 |
| Assets per employee ($millions) | 7.0326% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,582 |
| 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 | 78.2581% | 1,207 |
| Net loans and leases to deposits | 89.3288% | 1,828 |
| Net loans and leases to core deposits | 96.8758% | 1,899 |
| Total domestic deposits to total assets | 87.6069% | 1,657 |
| Equity capital to assets | 11.9349% | 1,972 |
| Core capital (leverage) ratio | 11.6510% | 1,862 |
| Tier 1 risk-based capital ratio | 12.7344% | 4,161 |
| Total risk-based capital ratio | 13.6886% | 4,224 |
| Memoranda: | ||
| Average total assets | $502,067,670 | 1,409 |
| Average earning assets | $486,870,000 | 1,350 |
| Average equity | $58,576,330 | 1,345 |
| Average total loans | $386,105,000 | 1,282 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,366 |
| Cost of funding earning assets | 0.1881% | 5,087 |
| Net interest margin | 3.4324% | 3,515 |
| Noninterest income to average assets | 1.1666% | 744 |
| Noninterest expense to average assets | 2.8836% | 2,508 |
| Loan and lease loss provision to assets | 0.0576% | 2,651 |
| Net operating income to assets | 1.0449% | 2,091 |
| Return on assets (ROA) | 1.0449% | 2,144 |
| Pretax return on assets | 1.5538% | 1,367 |
| Return on Equity (ROE) | 9.0618% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.0618% | 1,057 |
| Net charge-offs to loans | -0.0011% | 3,968 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1509% | 3,808 |
| Assets per employee ($millions) | 7.3755% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,712 |
| 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 | 73.1696% | 1,881 |
| Net loans and leases to deposits | 82.8696% | 2,410 |
| Net loans and leases to core deposits | 88.2285% | 2,528 |
| Total domestic deposits to total assets | 88.2949% | 1,534 |
| Equity capital to assets | 11.3274% | 2,323 |
| Core capital (leverage) ratio | 11.6764% | 1,840 |
| Tier 1 risk-based capital ratio | 12.9695% | 4,097 |
| Total risk-based capital ratio | 13.9229% | 4,185 |
| Memoranda: | ||
| Average total assets | $499,928,500 | 1,423 |
| Average earning assets | $484,791,500 | 1,358 |
| Average equity | $57,648,500 | 1,364 |
| Average total loans | $378,824,500 | 1,309 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,347 |
| Cost of funding earning assets | 0.1830% | 5,179 |
| Net interest margin | 3.4738% | 3,530 |
| Noninterest income to average assets | 1.1742% | 822 |
| Noninterest expense to average assets | 3.0278% | 2,270 |
| Loan and lease loss provision to assets | 0.1926% | 1,211 |
| Net operating income to assets | 0.9045% | 2,797 |
| Return on assets (ROA) | 0.9083% | 2,894 |
| Pretax return on assets | 1.3267% | 2,188 |
| Return on Equity (ROE) | 6.9685% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.0698% | 1,673 |
| Net charge-offs to loans | -0.0003% | 4,628 |
| Credit loss provision to net charge-offs | -82,200.0000% | 5,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6701% | 3,486 |
| Assets per employee ($millions) | 7.1113% | 872 |
| Cash dividends to net income (ytd only)* | 12.8966% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,715 |
| 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 | 76.8337% | 1,391 |
| Net loans and leases to deposits | 87.2962% | 2,012 |
| Net loans and leases to core deposits | 92.3497% | 2,264 |
| Total domestic deposits to total assets | 88.0149% | 1,622 |
| Equity capital to assets | 11.7491% | 1,967 |
| Core capital (leverage) ratio | 12.6658% | 1,265 |
| Tier 1 risk-based capital ratio | 12.9259% | 4,117 |
| Total risk-based capital ratio | 13.8839% | 4,193 |
| Memoranda: | ||
| Average total assets | $426,842,400 | 1,593 |
| Average earning assets | $413,749,600 | 1,518 |
| Average equity | $55,636,200 | 1,379 |
| Average total loans | $333,170,400 | 1,403 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 4,261 |
| Cost of funding earning assets | 0.1880% | 5,197 |
| Net interest margin | 3.5088% | 3,436 |
| Noninterest income to average assets | 1.1948% | 810 |
| Noninterest expense to average assets | 3.1173% | 1,986 |
| Loan and lease loss provision to assets | 0.1564% | 1,486 |
| Net operating income to assets | 0.9056% | 2,872 |
| Return on assets (ROA) | 0.9076% | 3,001 |
| Pretax return on assets | 1.3318% | 2,301 |
| Return on Equity (ROE) | 6.7675% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.7675% | 1,746 |
| Net charge-offs to loans | -0.0004% | 4,415 |
| Credit loss provision to net charge-offs | -48,400.0000% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7290% | 3,276 |
| Assets per employee ($millions) | 6.3492% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,832 |
| 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 | 77.8727% | 1,220 |
| Net loans and leases to deposits | 90.0399% | 1,750 |
| Net loans and leases to core deposits | 95.9333% | 1,992 |
| Total domestic deposits to total assets | 86.4869% | 2,133 |
| Equity capital to assets | 13.0114% | 1,485 |
| Core capital (leverage) ratio | 13.3282% | 1,060 |
| Tier 1 risk-based capital ratio | 13.8579% | 3,631 |
| Total risk-based capital ratio | 14.8135% | 3,734 |
| Memoranda: | ||
| Average total assets | $412,660,750 | 1,638 |
| Average earning assets | $400,775,000 | 1,564 |
| Average equity | $55,341,500 | 1,398 |
| Average total loans | $322,543,750 | 1,444 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 4,399 |
| Cost of funding earning assets | 0.1932% | 5,206 |
| Net interest margin | 3.4722% | 3,604 |
| Noninterest income to average assets | 1.1876% | 799 |
| Noninterest expense to average assets | 3.1105% | 2,029 |
| Loan and lease loss provision to assets | 0.1960% | 1,103 |
| Net operating income to assets | 0.8599% | 3,050 |
| Return on assets (ROA) | 0.8630% | 3,150 |
| Pretax return on assets | 1.2564% | 2,586 |
| Return on Equity (ROE) | 6.3664% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.3664% | 1,929 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2371% | 3,288 |
| Assets per employee ($millions) | 6.0454% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,948 |
| 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 | 79.8986% | 930 |
| Net loans and leases to deposits | 92.6687% | 1,437 |
| Net loans and leases to core deposits | 98.5304% | 1,763 |
| Total domestic deposits to total assets | 86.2196% | 2,318 |
| Equity capital to assets | 13.4136% | 1,277 |
| Core capital (leverage) ratio | 13.5052% | 980 |
| Tier 1 risk-based capital ratio | 13.8954% | 3,664 |
| Total risk-based capital ratio | 14.8521% | 3,757 |
| Memoranda: | ||
| Average total assets | $404,183,670 | 1,670 |
| Average earning assets | $392,371,670 | 1,599 |
| Average equity | $54,788,000 | 1,411 |
| Average total loans | $315,075,330 | 1,471 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,410 |
| Cost of funding earning assets | 0.2098% | 5,110 |
| Net interest margin | 3.4634% | 3,609 |
| Noninterest income to average assets | 1.1415% | 842 |
| Noninterest expense to average assets | 3.1420% | 1,980 |
| Loan and lease loss provision to assets | 0.0181% | 3,454 |
| Net operating income to assets | 0.9132% | 2,681 |
| Return on assets (ROA) | 0.9132% | 2,799 |
| Pretax return on assets | 1.3346% | 2,163 |
| Return on Equity (ROE) | 6.7004% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.7004% | 2,029 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9038% | 3,153 |
| Assets per employee ($millions) | 6.4800% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 4,145 |
| 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 | 76.8918% | 1,266 |
| Net loans and leases to deposits | 89.7494% | 1,606 |
| Net loans and leases to core deposits | 97.3109% | 1,684 |
| Total domestic deposits to total assets | 85.6740% | 2,823 |
| Equity capital to assets | 13.8542% | 1,032 |
| Core capital (leverage) ratio | 13.1156% | 1,115 |
| Tier 1 risk-based capital ratio | 14.8707% | 3,217 |
| Total risk-based capital ratio | 15.8068% | 3,305 |
| Memoranda: | ||
| Average total assets | $397,710,500 | 1,698 |
| Average earning assets | $385,057,000 | 1,628 |
| Average equity | $54,206,000 | 1,426 |
| Average total loans | $304,119,500 | 1,504 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 4,513 |
| Cost of funding earning assets | 0.1863% | 5,388 |
| Net interest margin | 3.4658% | 3,653 |
| Noninterest income to average assets | 0.9252% | 1,366 |
| Noninterest expense to average assets | 2.6061% | 3,898 |
| Loan and lease loss provision to assets | 0.1491% | 1,579 |
| Net operating income to assets | 1.0602% | 2,081 |
| Return on assets (ROA) | 1.0602% | 2,165 |
| Pretax return on assets | 1.5499% | 1,409 |
| Return on Equity (ROE) | 7.5444% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.9430% | 1,824 |
| Net charge-offs to loans | 0.0039% | 4,313 |
| Credit loss provision to net charge-offs | 4,818.1818% | 78 |
| Earnings coverage of net charge-offs (x) | 549.0909% | 122 |
| Efficiency ratio | 60.5358% | 4,832 |
| Assets per employee ($millions) | 6.5597% | 1,073 |
| Cash dividends to net income (ytd only)* | 21.2258% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 4,052 |
| 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 | 74.3895% | 1,661 |
| Net loans and leases to deposits | 86.1924% | 2,107 |
| Net loans and leases to core deposits | 96.2028% | 1,827 |
| Total domestic deposits to total assets | 86.3063% | 2,487 |
| Equity capital to assets | 13.4075% | 1,162 |
| Core capital (leverage) ratio | 13.3473% | 1,019 |
| Tier 1 risk-based capital ratio | 14.4968% | 3,449 |
| Total risk-based capital ratio | 15.4235% | 3,535 |
| Memoranda: | ||
| Average total assets | $355,507,400 | 1,842 |
| Average earning assets | $346,701,000 | 1,754 |
| Average equity | $49,957,600 | 1,494 |
| Average total loans | $280,541,400 | 1,556 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 4,513 |
| Cost of funding earning assets | 0.1778% | 5,571 |
| Net interest margin | 3.4947% | 3,556 |
| Noninterest income to average assets | 0.8902% | 1,478 |
| Noninterest expense to average assets | 2.4444% | 4,373 |
| Loan and lease loss provision to assets | 0.1727% | 1,228 |
| Net operating income to assets | 1.1546% | 1,816 |
| Return on assets (ROA) | 1.1546% | 1,883 |
| Pretax return on assets | 1.6827% | 1,154 |
| Return on Equity (ROE) | 8.1083% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.7005% | 1,374 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8483% | 5,241 |
| Assets per employee ($millions) | 8.8137% | 397 |
| Cash dividends to net income (ytd only)* | 5.0303% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,211 |
| 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 | 76.5696% | 1,306 |
| Net loans and leases to deposits | 88.8350% | 1,789 |
| Net loans and leases to core deposits | 102.8845% | 1,310 |
| Total domestic deposits to total assets | 86.1931% | 2,445 |
| Equity capital to assets | 13.3745% | 1,283 |
| Core capital (leverage) ratio | 14.2194% | 807 |
| Tier 1 risk-based capital ratio | 14.3796% | 3,638 |
| Total risk-based capital ratio | 15.3083% | 3,762 |
| Memoranda: | ||
| Average total assets | $344,349,000 | 1,911 |
| Average earning assets | $335,962,500 | 1,821 |
| Average equity | $49,034,750 | 1,532 |
| Average total loans | $275,433,500 | 1,597 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 4,459 |
| Cost of funding earning assets | 0.1701% | 5,692 |
| Net interest margin | 3.5114% | 3,456 |
| Noninterest income to average assets | 0.9261% | 1,367 |
| Noninterest expense to average assets | 2.5156% | 4,191 |
| Loan and lease loss provision to assets | 0.1959% | 1,013 |
| Net operating income to assets | 1.1280% | 1,845 |
| Return on assets (ROA) | 1.1280% | 1,929 |
| Pretax return on assets | 1.6376% | 1,230 |
| Return on Equity (ROE) | 7.7428% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.1240% | 1,648 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8416% | 5,235 |
| Assets per employee ($millions) | 7.9628% | 531 |
| Cash dividends to net income (ytd only)* | 7.9915% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 4,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.7016% | 395 |
| Net loans and leases to deposits | 102.1385% | 544 |
| Net loans and leases to core deposits | 110.4239% | 815 |
| Total domestic deposits to total assets | 81.9491% | 4,305 |
| Equity capital to assets | 14.7352% | 761 |
| Core capital (leverage) ratio | 14.8903% | 636 |
| Tier 1 risk-based capital ratio | 13.7605% | 4,057 |
| Total risk-based capital ratio | 14.6373% | 4,213 |
| Memoranda: | ||
| Average total assets | $332,801,670 | 1,996 |
| Average earning assets | $324,430,670 | 1,892 |
| Average equity | $48,483,670 | 1,547 |
| Average total loans | $269,435,330 | 1,631 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 4,667 |
| Cost of funding earning assets | 0.1670% | 5,799 |
| Net interest margin | 3.4411% | 3,664 |
| Noninterest income to average assets | 0.9290% | 1,305 |
| Noninterest expense to average assets | 2.4025% | 4,586 |
| Loan and lease loss provision to assets | 0.2434% | 686 |
| Net operating income to assets | 1.1254% | 1,772 |
| Return on assets (ROA) | 1.1254% | 1,878 |
| Pretax return on assets | 1.6338% | 1,183 |
| Return on Equity (ROE) | 7.7695% | 3,087 |
| Retained earnings to average equity (ytd only) | 6.5217% | 2,230 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1374% | 5,506 |
| Assets per employee ($millions) | 8.2447% | 488 |
| Cash dividends to net income (ytd only)* | 16.0600% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 4,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.5133% | 515 |
| Net loans and leases to deposits | 97.6746% | 705 |
| Net loans and leases to core deposits | 102.4994% | 1,145 |
| Total domestic deposits to total assets | 83.4539% | 4,026 |
| Equity capital to assets | 14.7416% | 767 |
| Core capital (leverage) ratio | 14.7756% | 640 |
| Tier 1 risk-based capital ratio | 14.6532% | 3,623 |
| Total risk-based capital ratio | 15.5691% | 3,744 |
| Memoranda: | ||
| Average total assets | $331,983,500 | 2,009 |
| Average earning assets | $323,272,000 | 1,906 |
| Average equity | $48,085,500 | 1,565 |
| Average total loans | $262,630,000 | 1,668 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,480 |
| Cost of funding earning assets | 0.1608% | 6,037 |
| Net interest margin | 3.6431% | 3,245 |
| Noninterest income to average assets | 0.9066% | 1,483 |
| Noninterest expense to average assets | 2.6171% | 4,154 |
| Loan and lease loss provision to assets | 0.1601% | 1,641 |
| Net operating income to assets | 1.1532% | 1,759 |
| Return on assets (ROA) | 1.1532% | 1,829 |
| Pretax return on assets | 1.6455% | 1,107 |
| Return on Equity (ROE) | 7.3198% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.0443% | 1,386 |
| Net charge-offs to loans | 0.0005% | 4,967 |
| Credit loss provision to net charge-offs | 46,100.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,200.0000% | 4 |
| Efficiency ratio | 59.1741% | 5,323 |
| Assets per employee ($millions) | 8.7942% | 380 |
| Cash dividends to net income (ytd only)* | 3.7639% | 4,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 4,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.0068% | 1,419 |
| Net loans and leases to deposits | 91.1729% | 1,387 |
| Net loans and leases to core deposits | 97.6957% | 1,573 |
| Total domestic deposits to total assets | 82.2688% | 4,321 |
| Equity capital to assets | 14.2304% | 894 |
| Core capital (leverage) ratio | 15.2594% | 570 |
| Tier 1 risk-based capital ratio | 15.8991% | 3,011 |
| Total risk-based capital ratio | 16.8431% | 3,115 |
| Memoranda: | ||
| Average total assets | $287,989,000 | 2,227 |
| Average earning assets | $277,946,400 | 2,144 |
| Average equity | $45,370,200 | 1,584 |
| Average total loans | $221,595,400 | 1,892 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,278 |
| Cost of funding earning assets | 0.1582% | 6,131 |
| Net interest margin | 3.7127% | 2,973 |
| Noninterest income to average assets | 0.9222% | 1,445 |
| Noninterest expense to average assets | 2.6927% | 3,848 |
| Loan and lease loss provision to assets | 0.1124% | 2,172 |
| Net operating income to assets | 1.1889% | 1,712 |
| Return on assets (ROA) | 1.1889% | 1,788 |
| Pretax return on assets | 1.6929% | 1,080 |
| Return on Equity (ROE) | 7.3322% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.9604% | 1,837 |
| Net charge-offs to loans | 0.0006% | 4,688 |
| Credit loss provision to net charge-offs | 23,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 3,752.2857% | 9 |
| Efficiency ratio | 59.8649% | 5,201 |
| Assets per employee ($millions) | 7.9643% | 530 |
| Cash dividends to net income (ytd only)* | 5.0709% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 4,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.0861% | 1,512 |
| Net loans and leases to deposits | 87.7197% | 1,705 |
| Net loans and leases to core deposits | 92.9525% | 1,959 |
| Total domestic deposits to total assets | 84.4578% | 3,563 |
| Equity capital to assets | 14.9891% | 732 |
| Core capital (leverage) ratio | 15.5496% | 537 |
| Tier 1 risk-based capital ratio | 16.8071% | 2,687 |
| Total risk-based capital ratio | 17.7422% | 2,770 |
| Memoranda: | ||
| Average total assets | $276,441,500 | 2,322 |
| Average earning assets | $266,251,500 | 2,236 |
| Average equity | $44,824,000 | 1,613 |
| Average total loans | $213,632,500 | 1,960 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 4,095 |
| Cost of funding earning assets | 0.1564% | 6,228 |
| Net interest margin | 3.7556% | 2,738 |
| Noninterest income to average assets | 0.9417% | 1,354 |
| Noninterest expense to average assets | 2.7662% | 3,632 |
| Loan and lease loss provision to assets | 0.1758% | 1,395 |
| Net operating income to assets | 1.1356% | 1,798 |
| Return on assets (ROA) | 1.1356% | 1,884 |
| Pretax return on assets | 1.6050% | 1,243 |
| Return on Equity (ROE) | 6.8028% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.2378% | 2,191 |
| Net charge-offs to loans | 0.0010% | 4,361 |
| Credit loss provision to net charge-offs | 23,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,360.0000% | 16 |
| Efficiency ratio | 60.8364% | 5,166 |
| Assets per employee ($millions) | 7.6838% | 570 |
| Cash dividends to net income (ytd only)* | 8.3056% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 4,679 |
| 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 | 79.9242% | 697 |
| Net loans and leases to deposits | 100.7873% | 515 |
| Net loans and leases to core deposits | 103.8451% | 1,033 |
| Total domestic deposits to total assets | 79.2998% | 5,387 |
| Equity capital to assets | 16.4116% | 488 |
| Core capital (leverage) ratio | 16.3226% | 435 |
| Tier 1 risk-based capital ratio | 17.4180% | 2,455 |
| Total risk-based capital ratio | 18.4098% | 2,517 |
| Memoranda: | ||
| Average total assets | $265,053,330 | 2,408 |
| Average earning assets | $254,444,670 | 2,320 |
| Average equity | $44,246,330 | 1,613 |
| Average total loans | $207,284,000 | 1,999 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 4,169 |
| Cost of funding earning assets | 0.1548% | 6,329 |
| Net interest margin | 3.7255% | 2,768 |
| Noninterest income to average assets | 0.9226% | 1,324 |
| Noninterest expense to average assets | 2.7677% | 3,688 |
| Loan and lease loss provision to assets | 0.1959% | 1,197 |
| Net operating income to assets | 1.0753% | 1,914 |
| Return on assets (ROA) | 1.0753% | 1,980 |
| Pretax return on assets | 1.5227% | 1,364 |
| Return on Equity (ROE) | 6.3841% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.2392% | 2,974 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6919% | 5,174 |
| Assets per employee ($millions) | 7.2017% | 719 |
| Cash dividends to net income (ytd only)* | 17.9340% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,636 |
| 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 | 75.9266% | 1,009 |
| Net loans and leases to deposits | 91.7737% | 974 |
| Net loans and leases to core deposits | 93.4188% | 1,602 |
| Total domestic deposits to total assets | 82.7324% | 4,698 |
| Equity capital to assets | 16.5778% | 447 |
| Core capital (leverage) ratio | 16.9687% | 370 |
| Tier 1 risk-based capital ratio | 18.6295% | 2,081 |
| Total risk-based capital ratio | 19.6673% | 2,110 |
| Memoranda: | ||
| Average total assets | $259,272,000 | 2,462 |
| Average earning assets | $248,018,000 | 2,367 |
| Average equity | $43,671,000 | 1,626 |
| Average total loans | $199,103,500 | 2,060 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 5,137 |
| Cost of funding earning assets | 0.1726% | 6,428 |
| Net interest margin | 3.5280% | 3,769 |
| Noninterest income to average assets | 0.8182% | 1,993 |
| Noninterest expense to average assets | 2.5663% | 4,566 |
| Loan and lease loss provision to assets | 0.0820% | 3,473 |
| Net operating income to assets | 1.1014% | 1,932 |
| Return on assets (ROA) | 1.1014% | 1,995 |
| Pretax return on assets | 1.5771% | 1,231 |
| Return on Equity (ROE) | 6.6731% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.5543% | 1,651 |
| Net charge-offs to loans | 0.0027% | 5,423 |
| Credit loss provision to net charge-offs | 4,180.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 846.0000% | 44 |
| Efficiency ratio | 60.7352% | 5,383 |
| Assets per employee ($millions) | 6.6337% | 933 |
| Cash dividends to net income (ytd only)* | 1.7806% | 4,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 4,635 |
| 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 | 75.8105% | 1,105 |
| Net loans and leases to deposits | 92.0907% | 1,041 |
| Net loans and leases to core deposits | 93.3859% | 1,643 |
| Total domestic deposits to total assets | 82.3215% | 4,759 |
| Equity capital to assets | 17.1247% | 386 |
| Core capital (leverage) ratio | 17.1036% | 362 |
| Tier 1 risk-based capital ratio | 18.9568% | 1,936 |
| Total risk-based capital ratio | 19.9735% | 1,963 |
| Memoranda: | ||
| Average total assets | $254,956,200 | 2,487 |
| Average earning assets | $246,230,200 | 2,370 |
| Average equity | $42,079,400 | 1,668 |
| Average total loans | $187,252,200 | 2,130 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 5,322 |
| Cost of funding earning assets | 0.1779% | 6,513 |
| Net interest margin | 3.4649% | 4,034 |
| Noninterest income to average assets | 0.7801% | 2,247 |
| Noninterest expense to average assets | 2.4989% | 4,726 |
| Loan and lease loss provision to assets | 0.1090% | 2,946 |
| Net operating income to assets | 1.0638% | 2,138 |
| Return on assets (ROA) | 1.0638% | 2,226 |
| Pretax return on assets | 1.5248% | 1,533 |
| Return on Equity (ROE) | 6.5059% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.3464% | 2,213 |
| Net charge-offs to loans | 0.0036% | 5,132 |
| Credit loss provision to net charge-offs | 4,180.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 626.2714% | 87 |
| Efficiency ratio | 60.4669% | 5,363 |
| Assets per employee ($millions) | 7.5109% | 580 |
| Cash dividends to net income (ytd only)* | 2.4512% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 4,894 |
| 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 | 75.5246% | 1,066 |
| Net loans and leases to deposits | 91.4196% | 1,025 |
| Net loans and leases to core deposits | 95.0318% | 1,469 |
| Total domestic deposits to total assets | 82.6131% | 4,714 |
| Equity capital to assets | 16.6503% | 458 |
| Core capital (leverage) ratio | 16.5327% | 427 |
| Tier 1 risk-based capital ratio | 18.8899% | 2,025 |
| Total risk-based capital ratio | 19.9229% | 2,060 |
| Memoranda: | ||
| Average total assets | $255,675,250 | 2,489 |
| Average earning assets | $247,385,750 | 2,362 |
| Average equity | $41,807,250 | 1,690 |
| Average total loans | $185,707,000 | 2,145 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 5,556 |
| Cost of funding earning assets | 0.1777% | 6,579 |
| Net interest margin | 3.3840% | 4,249 |
| Noninterest income to average assets | 0.7514% | 2,408 |
| Noninterest expense to average assets | 2.4991% | 4,735 |
| Loan and lease loss provision to assets | 0.1376% | 2,606 |
| Net operating income to assets | 0.9759% | 2,442 |
| Return on assets (ROA) | 0.9759% | 2,587 |
| Pretax return on assets | 1.3903% | 1,969 |
| Return on Equity (ROE) | 6.0044% | 4,173 |
| Retained earnings to average equity (ytd only) | 6.0044% | 2,440 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0583% | 5,162 |
| Assets per employee ($millions) | 8.2249% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,016 |
| 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 | 72.2329% | 1,537 |
| Net loans and leases to deposits | 86.4642% | 1,520 |
| Net loans and leases to core deposits | 95.6861% | 1,382 |
| Total domestic deposits to total assets | 83.5408% | 4,497 |
| Equity capital to assets | 15.7844% | 562 |
| Core capital (leverage) ratio | 16.8272% | 387 |
| Tier 1 risk-based capital ratio | 18.5965% | 2,110 |
| Total risk-based capital ratio | 19.6218% | 2,149 |
| Memoranda: | ||
| Average total assets | $255,776,670 | 2,499 |
| Average earning assets | $247,575,330 | 2,373 |
| Average equity | $41,569,670 | 1,705 |
| Average total loans | $182,543,330 | 2,173 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 5,631 |
| Cost of funding earning assets | 0.1831% | 6,657 |
| Net interest margin | 3.3472% | 4,329 |
| Noninterest income to average assets | 0.7125% | 2,525 |
| Noninterest expense to average assets | 2.5469% | 4,579 |
| Loan and lease loss provision to assets | 0.0841% | 3,251 |
| Net operating income to assets | 0.9252% | 2,542 |
| Return on assets (ROA) | 0.9252% | 2,684 |
| Pretax return on assets | 1.3298% | 2,124 |
| Return on Equity (ROE) | 5.6081% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.6081% | 2,896 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3029% | 4,962 |
| Assets per employee ($millions) | 7.3417% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 5,124 |
| 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 | 73.3065% | 1,169 |
| Net loans and leases to deposits | 89.6374% | 999 |
| Net loans and leases to core deposits | 94.5255% | 1,304 |
| Total domestic deposits to total assets | 81.7811% | 5,274 |
| Equity capital to assets | 17.2824% | 392 |
| Core capital (leverage) ratio | 16.8179% | 372 |
| Tier 1 risk-based capital ratio | 19.3982% | 1,941 |
| Total risk-based capital ratio | 20.4299% | 1,961 |
| Memoranda: | ||
| Average total assets | $252,067,000 | 2,560 |
| Average earning assets | $244,624,000 | 2,424 |
| Average equity | $41,582,500 | 1,725 |
| Average total loans | $177,607,000 | 2,240 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 5,855 |
| Cost of funding earning assets | 0.2523% | 6,660 |
| Net interest margin | 3.5347% | 4,356 |
| Noninterest income to average assets | 0.6845% | 2,804 |
| Noninterest expense to average assets | 2.5499% | 4,928 |
| Loan and lease loss provision to assets | 0.2497% | 2,652 |
| Net operating income to assets | 0.9177% | 2,725 |
| Return on assets (ROA) | 0.9177% | 2,966 |
| Pretax return on assets | 1.3040% | 2,381 |
| Return on Equity (ROE) | 5.3220% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.3220% | 2,488 |
| Net charge-offs to loans | 0.2321% | 3,546 |
| Credit loss provision to net charge-offs | 154.4236% | 1,753 |
| Earnings coverage of net charge-offs (x) | 9.6086% | 2,252 |
| Efficiency ratio | 62.1382% | 5,215 |
| Assets per employee ($millions) | 8.1831% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 5,061 |
| 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 | 66.1828% | 2,501 |
| Net loans and leases to deposits | 79.2795% | 2,373 |
| Net loans and leases to core deposits | 83.1781% | 2,648 |
| Total domestic deposits to total assets | 83.4804% | 4,546 |
| Equity capital to assets | 15.7696% | 596 |
| Core capital (leverage) ratio | 16.1698% | 432 |
| Tier 1 risk-based capital ratio | 19.8387% | 1,720 |
| Total risk-based capital ratio | 20.8865% | 1,742 |
| Memoranda: | ||
| Average total assets | $230,679,200 | 2,718 |
| Average earning assets | $223,132,200 | 2,584 |
| Average equity | $39,778,600 | 1,750 |
| Average total loans | $160,703,600 | 2,421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 5,912 |
| Cost of funding earning assets | 0.2724% | 6,724 |
| Net interest margin | 3.5733% | 4,342 |
| Noninterest income to average assets | 0.6802% | 2,813 |
| Noninterest expense to average assets | 2.5669% | 4,857 |
| Loan and lease loss provision to assets | 0.3446% | 1,901 |
| Net operating income to assets | 0.8578% | 3,179 |
| Return on assets (ROA) | 0.8578% | 3,428 |
| Pretax return on assets | 1.2137% | 2,942 |
| Return on Equity (ROE) | 4.8527% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.8527% | 3,473 |
| Net charge-offs to loans | 0.3167% | 2,860 |
| Credit loss provision to net charge-offs | 154.4236% | 1,823 |
| Earnings coverage of net charge-offs (x) | 6.9839% | 2,682 |
| Efficiency ratio | 62.2245% | 5,118 |
| Assets per employee ($millions) | 8.2407% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,262 |
| 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 | 73.0619% | 1,380 |
| Net loans and leases to deposits | 90.1508% | 1,131 |
| Net loans and leases to core deposits | 95.2642% | 1,462 |
| Total domestic deposits to total assets | 81.0441% | 5,341 |
| Equity capital to assets | 16.9704% | 463 |
| Core capital (leverage) ratio | 17.3198% | 348 |
| Tier 1 risk-based capital ratio | 19.6076% | 1,850 |
| Total risk-based capital ratio | 20.6636% | 1,870 |
| Memoranda: | ||
| Average total assets | $222,884,500 | 2,826 |
| Average earning assets | $214,882,000 | 2,701 |
| Average equity | $39,399,750 | 1,782 |
| Average total loans | $157,021,750 | 2,499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 5,963 |
| Cost of funding earning assets | 0.2906% | 6,764 |
| Net interest margin | 3.5876% | 4,316 |
| Noninterest income to average assets | 0.6776% | 2,789 |
| Noninterest expense to average assets | 2.6131% | 4,733 |
| Loan and lease loss provision to assets | 0.2970% | 2,205 |
| Net operating income to assets | 0.8606% | 3,084 |
| Return on assets (ROA) | 0.8606% | 3,351 |
| Pretax return on assets | 1.2183% | 2,846 |
| Return on Equity (ROE) | 4.7982% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.7982% | 3,412 |
| Net charge-offs to loans | 0.4958% | 2,098 |
| Credit loss provision to net charge-offs | 86.5952% | 3,141 |
| Earnings coverage of net charge-offs (x) | 4.4182% | 3,091 |
| Efficiency ratio | 63.2962% | 5,028 |
| Assets per employee ($millions) | 7.4211% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 5,345 |
| 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 | 71.5917% | 1,629 |
| Net loans and leases to deposits | 90.1714% | 1,128 |
| Net loans and leases to core deposits | 97.6382% | 1,299 |
| Total domestic deposits to total assets | 79.3952% | 5,882 |
| Equity capital to assets | 18.4674% | 308 |
| Core capital (leverage) ratio | 17.7313% | 308 |
| Tier 1 risk-based capital ratio | 21.2939% | 1,425 |
| Total risk-based capital ratio | 22.3215% | 1,440 |
| Memoranda: | ||
| Average total assets | $217,519,000 | 2,895 |
| Average earning assets | $209,222,670 | 2,773 |
| Average equity | $39,014,330 | 1,783 |
| Average total loans | $150,452,330 | 2,610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 6,301 |
| Cost of funding earning assets | 0.3077% | 6,818 |
| Net interest margin | 3.4694% | 4,828 |
| Noninterest income to average assets | 0.6494% | 2,933 |
| Noninterest expense to average assets | 2.5591% | 4,963 |
| Loan and lease loss provision to assets | 0.4354% | 1,437 |
| Net operating income to assets | 0.7280% | 3,741 |
| Return on assets (ROA) | 0.7280% | 3,974 |
| Pretax return on assets | 1.0170% | 3,620 |
| Return on Equity (ROE) | 4.1191% | 5,238 |
| Retained earnings to average equity (ytd only) | 4.1191% | 4,119 |
| Net charge-offs to loans | 1.0101% | 1,026 |
| Credit loss provision to net charge-offs | 63.8070% | 3,043 |
| Earnings coverage of net charge-offs (x) | 2.1287% | 3,301 |
| Efficiency ratio | 63.7939% | 4,960 |
| Assets per employee ($millions) | 7.4698% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,487 |
| 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 | 70.3681% | 1,693 |
| Net loans and leases to deposits | 88.7876% | 1,078 |
| Net loans and leases to core deposits | 97.0517% | 1,195 |
| Total domestic deposits to total assets | 79.2544% | 6,023 |
| Equity capital to assets | 18.5893% | 303 |
| Core capital (leverage) ratio | 17.6450% | 315 |
| Tier 1 risk-based capital ratio | 21.6018% | 1,363 |
| Total risk-based capital ratio | 22.6135% | 1,382 |
| Memoranda: | ||
| Average total assets | $218,672,500 | 2,908 |
| Average earning assets | $211,907,500 | 2,747 |
| Average equity | $38,649,500 | 1,799 |
| Average total loans | $147,705,000 | 2,667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 6,197 |
| Cost of funding earning assets | 0.4273% | 6,811 |
| Net interest margin | 3.7159% | 4,226 |
| Noninterest income to average assets | 0.5700% | 3,365 |
| Noninterest expense to average assets | 2.7676% | 4,482 |
| Loan and lease loss provision to assets | 0.2390% | 3,816 |
| Net operating income to assets | 0.7874% | 3,096 |
| Return on assets (ROA) | 0.7874% | 3,258 |
| Pretax return on assets | 1.1490% | 2,654 |
| Return on Equity (ROE) | 4.2629% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.2629% | 3,152 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5982% | 4,636 |
| Assets per employee ($millions) | 7.8687% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,845 |
| 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 | 63.3335% | 3,326 |
| Net loans and leases to deposits | 77.9653% | 2,847 |
| Net loans and leases to core deposits | 83.0562% | 3,015 |
| Total domestic deposits to total assets | 81.2329% | 5,378 |
| Equity capital to assets | 16.8363% | 472 |
| Core capital (leverage) ratio | 17.5993% | 325 |
| Tier 1 risk-based capital ratio | 21.7331% | 1,276 |
| Total risk-based capital ratio | 22.8422% | 1,268 |
| Memoranda: | ||
| Average total assets | $199,125,600 | 3,068 |
| Average earning assets | $192,148,200 | 2,943 |
| Average equity | $36,782,200 | 1,832 |
| Average total loans | $135,887,800 | 2,880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 6,060 |
| Cost of funding earning assets | 0.4547% | 6,867 |
| Net interest margin | 3.8065% | 3,840 |
| Noninterest income to average assets | 0.5594% | 3,453 |
| Noninterest expense to average assets | 2.7575% | 4,507 |
| Loan and lease loss provision to assets | 0.2349% | 3,661 |
| Net operating income to assets | 0.8402% | 2,986 |
| Return on assets (ROA) | 0.8402% | 3,137 |
| Pretax return on assets | 1.2377% | 2,496 |
| Return on Equity (ROE) | 4.4317% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.4317% | 3,570 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1881% | 4,863 |
| Assets per employee ($millions) | 7.3421% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,165 |
| 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 | 67.6849% | 2,541 |
| Net loans and leases to deposits | 85.2987% | 1,784 |
| Net loans and leases to core deposits | 91.1799% | 2,091 |
| Total domestic deposits to total assets | 79.3505% | 5,900 |
| Equity capital to assets | 18.4027% | 354 |
| Core capital (leverage) ratio | 17.7543% | 344 |
| Tier 1 risk-based capital ratio | 22.0363% | 1,283 |
| Total risk-based capital ratio | 23.0971% | 1,289 |
| Memoranda: | ||
| Average total assets | $191,859,000 | 3,176 |
| Average earning assets | $185,011,750 | 3,038 |
| Average equity | $36,373,000 | 1,855 |
| Average total loans | $133,248,500 | 2,951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 6,202 |
| Cost of funding earning assets | 0.4675% | 6,959 |
| Net interest margin | 3.7703% | 3,936 |
| Noninterest income to average assets | 0.5521% | 3,464 |
| Noninterest expense to average assets | 2.7744% | 4,528 |
| Loan and lease loss provision to assets | 0.2990% | 3,012 |
| Net operating income to assets | 0.7571% | 3,256 |
| Return on assets (ROA) | 0.7571% | 3,385 |
| Pretax return on assets | 1.1127% | 2,800 |
| Return on Equity (ROE) | 3.9513% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.9513% | 3,680 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2755% | 4,822 |
| Assets per employee ($millions) | 7.5516% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 5,395 |
| 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 | 67.7468% | 2,669 |
| Net loans and leases to deposits | 88.1387% | 1,478 |
| Net loans and leases to core deposits | 101.5841% | 1,205 |
| Total domestic deposits to total assets | 76.8638% | 6,471 |
| Equity capital to assets | 18.0516% | 377 |
| Core capital (leverage) ratio | 19.1891% | 267 |
| Tier 1 risk-based capital ratio | 22.2828% | 1,216 |
| Total risk-based capital ratio | 23.3378% | 1,212 |
| Memoranda: | ||
| Average total assets | $187,285,670 | 3,263 |
| Average earning assets | $180,518,000 | 3,126 |
| Average equity | $35,886,670 | 1,868 |
| Average total loans | $130,687,670 | 3,027 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 6,288 |
| Cost of funding earning assets | 0.4800% | 7,039 |
| Net interest margin | 3.7153% | 4,023 |
| Noninterest income to average assets | 0.5431% | 3,562 |
| Noninterest expense to average assets | 2.8115% | 4,396 |
| Loan and lease loss provision to assets | 0.3464% | 2,486 |
| Net operating income to assets | 0.6727% | 3,648 |
| Return on assets (ROA) | 0.6727% | 3,717 |
| Pretax return on assets | 0.9833% | 3,185 |
| Return on Equity (ROE) | 3.3985% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.3985% | 4,156 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8899% | 4,675 |
| Assets per employee ($millions) | 7.0913% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,592 |
| 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 | 73.8518% | 1,371 |
| Net loans and leases to deposits | 95.0509% | 749 |
| Net loans and leases to core deposits | 101.2395% | 1,255 |
| Total domestic deposits to total assets | 77.6971% | 6,413 |
| Equity capital to assets | 20.1239% | 251 |
| Core capital (leverage) ratio | 19.6444% | 248 |
| Tier 1 risk-based capital ratio | 23.5613% | 1,014 |
| Total risk-based capital ratio | 24.6106% | 1,031 |
| Memoranda: | ||
| Average total assets | $178,982,000 | 3,395 |
| Average earning assets | $173,337,500 | 3,248 |
| Average equity | $35,427,000 | 1,878 |
| Average total loans | $126,102,500 | 3,133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 7,106 |
| Cost of funding earning assets | 0.6021% | 7,126 |
| Net interest margin | 3.4352% | 5,496 |
| Noninterest income to average assets | 0.5159% | 4,051 |
| Noninterest expense to average assets | 3.0556% | 3,646 |
| Loan and lease loss provision to assets | 0.2980% | 4,418 |
| Net operating income to assets | 1.2785% | 1,229 |
| Return on assets (ROA) | 1.2785% | 1,289 |
| Pretax return on assets | 0.4939% | 4,639 |
| Return on Equity (ROE) | 5.6432% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.6432% | 2,021 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4179% | 2,494 |
| Assets per employee ($millions) | 7.2273% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,461 |
| 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 | 65.4354% | 3,569 |
| Net loans and leases to deposits | 83.4946% | 2,532 |
| Net loans and leases to core deposits | 88.7186% | 2,943 |
| Total domestic deposits to total assets | 78.3708% | 6,241 |
| Equity capital to assets | 19.4696% | 290 |
| Core capital (leverage) ratio | 21.0065% | 199 |
| Tier 1 risk-based capital ratio | 25.5198% | 799 |
| Total risk-based capital ratio | 26.5640% | 798 |
| Memoranda: | ||
| Average total assets | $150,019,000 | 3,873 |
| Average earning assets | $145,495,800 | 3,717 |
| Average equity | $33,987,800 | 1,944 |
| Average total loans | $101,507,800 | 3,752 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 7,253 |
| Cost of funding earning assets | 0.6627% | 7,149 |
| Net interest margin | 3.3840% | 5,734 |
| Noninterest income to average assets | 0.5282% | 3,954 |
| Noninterest expense to average assets | 3.1133% | 3,283 |
| Loan and lease loss provision to assets | 0.3110% | 4,090 |
| Net operating income to assets | 0.3896% | 4,794 |
| Return on assets (ROA) | 0.3896% | 4,976 |
| Pretax return on assets | 0.3896% | 5,250 |
| Return on Equity (ROE) | 1.6463% | 5,719 |
| Retained earnings to average equity (ytd only) | 1.6463% | 5,129 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6306% | 2,104 |
| Assets per employee ($millions) | 6.3118% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,468 |
| 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 | 69.2107% | 2,935 |
| Net loans and leases to deposits | 91.7192% | 1,487 |
| Net loans and leases to core deposits | 99.6751% | 1,879 |
| Total domestic deposits to total assets | 75.4593% | 6,751 |
| Equity capital to assets | 21.6636% | 206 |
| Core capital (leverage) ratio | 22.4713% | 162 |
| Tier 1 risk-based capital ratio | 26.4676% | 741 |
| Total risk-based capital ratio | 27.5078% | 739 |
| Memoranda: | ||
| Average total assets | $142,353,250 | 4,071 |
| Average earning assets | $138,215,250 | 3,902 |
| Average equity | $33,690,250 | 1,983 |
| Average total loans | $96,965,500 | 3,944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 7,347 |
| Cost of funding earning assets | 0.6805% | 7,232 |
| Net interest margin | 3.3409% | 5,870 |
| Noninterest income to average assets | 0.5714% | 3,533 |
| Noninterest expense to average assets | 3.1719% | 3,006 |
| Loan and lease loss provision to assets | 0.3455% | 3,657 |
| Net operating income to assets | 0.3032% | 5,170 |
| Return on assets (ROA) | 0.3032% | 5,328 |
| Pretax return on assets | 0.3032% | 5,489 |
| Return on Equity (ROE) | 1.2408% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.2408% | 5,255 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0217% | 2,040 |
| Assets per employee ($millions) | 5.9545% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 5,446 |
| 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 | 71.1162% | 2,626 |
| Net loans and leases to deposits | 96.8791% | 968 |
| Net loans and leases to core deposits | 105.1798% | 1,520 |
| Total domestic deposits to total assets | 73.4072% | 7,052 |
| Equity capital to assets | 23.7238% | 156 |
| Core capital (leverage) ratio | 25.1472% | 127 |
| Tier 1 risk-based capital ratio | 28.7201% | 583 |
| Total risk-based capital ratio | 29.7783% | 578 |
| Memoranda: | ||
| Average total assets | $137,206,000 | 4,191 |
| Average earning assets | $133,436,670 | 4,033 |
| Average equity | $33,525,670 | 1,982 |
| Average total loans | $92,439,670 | 4,096 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 7,516 |
| Cost of funding earning assets | 0.7070% | 7,319 |
| Net interest margin | 3.2062% | 6,275 |
| Noninterest income to average assets | 0.6193% | 3,145 |
| Noninterest expense to average assets | 3.2273% | 2,767 |
| Loan and lease loss provision to assets | 0.2918% | 3,684 |
| Net operating income to assets | 0.2054% | 5,664 |
| Return on assets (ROA) | 0.2054% | 5,783 |
| Pretax return on assets | 0.2054% | 5,862 |
| Return on Equity (ROE) | 0.8279% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.8279% | 5,484 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6507% | 1,725 |
| Assets per employee ($millions) | 5.7898% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,483 |
| 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 | 64.8954% | 4,120 |
| Net loans and leases to deposits | 88.3862% | 2,163 |
| Net loans and leases to core deposits | 95.2309% | 2,675 |
| Total domestic deposits to total assets | 73.4225% | 7,117 |
| Equity capital to assets | 24.0940% | 162 |
| Core capital (leverage) ratio | 25.1326% | 132 |
| Tier 1 risk-based capital ratio | 31.2980% | 462 |
| Total risk-based capital ratio | 32.3293% | 464 |
| Memoranda: | ||
| Average total assets | $134,355,500 | 4,320 |
| Average earning assets | $130,123,500 | 4,148 |
| Average equity | $33,337,000 | 2,011 |
| Average total loans | $87,226,000 | 4,284 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 7,786 |
| Cost of funding earning assets | 0.7867% | 7,574 |
| Net interest margin | 2.9021% | 6,868 |
| Noninterest income to average assets | 0.8299% | 2,271 |
| Noninterest expense to average assets | 3.9033% | 1,504 |
| Loan and lease loss provision to assets | 0.5719% | 3,515 |
| Net operating income to assets | -0.8822% | 6,499 |
| Return on assets (ROA) | -0.6885% | 6,348 |
| Pretax return on assets | -0.6885% | 6,176 |
| Return on Equity (ROE) | -2.2405% | 5,894 |
| Retained earnings to average equity (ytd only) | -2.2405% | 5,573 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6357% | 827 |
| Assets per employee ($millions) | 5.4065% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 5,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.3332% | 4,746 |
| Net loans and leases to deposits | 88.0529% | 2,551 |
| Net loans and leases to core deposits | 107.4096% | 3,171 |
| Total domestic deposits to total assets | 71.9263% | 7,248 |
| Equity capital to assets | 25.5821% | 147 |
| Core capital (leverage) ratio | 27.1074% | 130 |
| Tier 1 risk-based capital ratio | 32.7713% | 419 |
| Total risk-based capital ratio | 33.7602% | 416 |
| Memoranda: | ||
| Average total assets | $108,933,200 | 4,851 |
| Average earning assets | $103,718,400 | 4,733 |
| Average equity | $33,474,800 | 2,005 |
| Average total loans | $57,655,800 | 5,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 7,917 |
| Cost of funding earning assets | 0.7901% | 7,708 |
| Net interest margin | 2.8308% | 7,002 |
| Noninterest income to average assets | 0.9743% | 1,690 |
| Noninterest expense to average assets | 4.1042% | 1,140 |
| Loan and lease loss provision to assets | 0.6491% | 2,809 |
| Net operating income to assets | -1.0849% | 6,888 |
| Return on assets (ROA) | -0.8136% | 6,702 |
| Pretax return on assets | -0.8136% | 6,551 |
| Return on Equity (ROE) | -2.5160% | 6,167 |
| Retained earnings to average equity (ytd only) | -2.5160% | 5,823 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8781% | 733 |
| Assets per employee ($millions) | 4.7314% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 5,103 |
| 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 | 63.9094% | 4,889 |
| Net loans and leases to deposits | 92.0204% | 2,225 |
| Net loans and leases to core deposits | 118.8403% | 2,347 |
| Total domestic deposits to total assets | 69.4513% | 7,457 |
| Equity capital to assets | 29.3361% | 125 |
| Core capital (leverage) ratio | 29.3790% | 125 |
| Tier 1 risk-based capital ratio | 35.8746% | 360 |
| Total risk-based capital ratio | 36.8308% | 364 |
| Memoranda: | ||
| Average total assets | $103,727,750 | 5,026 |
| Average earning assets | $98,719,500 | 4,900 |
| Average equity | $33,545,000 | 2,024 |
| Average total loans | $51,275,250 | 5,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 8,029 |
| Cost of funding earning assets | 0.7788% | 7,845 |
| Net interest margin | 2.6997% | 7,198 |
| Noninterest income to average assets | 1.2762% | 939 |
| Noninterest expense to average assets | 4.2746% | 984 |
| Loan and lease loss provision to assets | 0.5674% | 2,746 |
| Net operating income to assets | -1.0054% | 6,991 |
| Return on assets (ROA) | -0.6112% | 6,678 |
| Pretax return on assets | -0.6112% | 6,538 |
| Return on Equity (ROE) | -1.8261% | 6,199 |
| Retained earnings to average equity (ytd only) | -1.8261% | 5,699 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4167% | 811 |
| Assets per employee ($millions) | 4.2751% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 4,939 |
| 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 | 53.1101% | 6,559 |
| Net loans and leases to deposits | 79.6352% | 4,592 |
| Net loans and leases to core deposits | 102.5751% | 4,223 |
| Total domestic deposits to total assets | 66.6917% | 7,697 |
| Equity capital to assets | 32.4682% | 119 |
| Core capital (leverage) ratio | 32.6022% | 123 |
| Tier 1 risk-based capital ratio | 40.2212% | 305 |
| Total risk-based capital ratio | 41.0206% | 304 |
| Memoranda: | ||
| Average total assets | $100,452,670 | 5,150 |
| Average earning assets | $95,271,330 | 5,028 |
| Average equity | $33,622,670 | 2,021 |
| Average total loans | $43,882,670 | 6,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3088% | 8,115 |
| Cost of funding earning assets | 0.7768% | 7,933 |
| Net interest margin | 2.5320% | 7,462 |
| Noninterest income to average assets | 2.1333% | 323 |
| Noninterest expense to average assets | 4.1659% | 981 |
| Loan and lease loss provision to assets | 0.6601% | 1,918 |
| Net operating income to assets | -0.2657% | 6,641 |
| Return on assets (ROA) | -0.2657% | 6,718 |
| Pretax return on assets | -0.2657% | 6,639 |
| Return on Equity (ROE) | -0.7816% | 6,509 |
| Retained earnings to average equity (ytd only) | -0.7816% | 5,833 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3504% | 1,628 |
| Assets per employee ($millions) | 4.9200% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 4,810 |
| 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 | 43.1194% | 7,405 |
| Net loans and leases to deposits | 65.5702% | 6,412 |
| Net loans and leases to core deposits | 82.9288% | 6,152 |
| Total domestic deposits to total assets | 65.7607% | 7,749 |
| Equity capital to assets | 32.6752% | 121 |
| Core capital (leverage) ratio | 34.8588% | 116 |
| Tier 1 risk-based capital ratio | 46.5976% | 235 |
| Total risk-based capital ratio | 47.3516% | 240 |
| Memoranda: | ||
| Average total assets | $99,378,000 | 5,196 |
| Average earning assets | $95,261,000 | 5,051 |
| Average equity | $33,777,500 | 2,014 |
| Average total loans | $38,247,000 | 6,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5205% | 8,195 |
| Cost of funding earning assets | 0.7287% | 8,136 |
| Net interest margin | 1.7918% | 8,129 |
| Noninterest income to average assets | 0.2976% | 6,335 |
| Noninterest expense to average assets | 6.5179% | 332 |
| Loan and lease loss provision to assets | 0.5420% | 2,658 |
| Net operating income to assets | -4.9984% | 8,089 |
| Return on assets (ROA) | -4.9984% | 8,078 |
| Pretax return on assets | -4.9984% | 8,028 |
| Return on Equity (ROE) | -10.4541% | 7,310 |
| Retained earnings to average equity (ytd only) | -10.4541% | 7,109 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 316.1785% | 94 |
| Assets per employee ($millions) | 4.7718% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 4,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.5087% | 7,929 |
| Net loans and leases to deposits | 50.6795% | 7,597 |
| Net loans and leases to core deposits | 62.9132% | 7,478 |
| Total domestic deposits to total assets | 64.1456% | 7,786 |
| Equity capital to assets | 35.4112% | 120 |
| Core capital (leverage) ratio | 38.8485% | 117 |
| Tier 1 risk-based capital ratio | 63.8319% | 143 |
| Total risk-based capital ratio | 64.5525% | 142 |
| Memoranda: | ||
| Average total assets | $69,561,750 | 6,049 |
| Average earning assets | $68,479,250 | 5,873 |
| Average equity | $33,259,750 | 2,033 |
| Average total loans | $17,093,500 | 7,517 |