Home > Oxford Bank > Performance and Condition Ratios
Oxford Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9051% | 724 |
| Cost of funding earning assets | 0.6730% | 3,963 |
| Net interest margin | 5.2321% | 255 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 3.3795% | 675 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.6295% | 824 |
| Return on assets (ROA) | 1.5662% | 879 |
| Pretax return on assets | 1.9110% | 759 |
| Return on Equity (ROE) | 15.3600% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.7870% | 530 |
| Net charge-offs to loans | 0.2489% | 429 |
| Credit loss provision to net charge-offs | 155.6367% | 1,441 |
| Earnings coverage of net charge-offs (x) | 14.4826% | 2,076 |
| Efficiency ratio | 60.4750% | 3,022 |
| Assets per employee ($millions) | 6.0943% | 2,739 |
| Cash dividends to net income (ytd only)* | 16.7430% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 2,714 |
| Loan loss allowance to noncurrent loans | 62.1870% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 361 |
| Noncurrent loans to loans | 1.8035% | 333 |
| Net loans and leases to total assets | 65.6900% | 2,288 |
| Net loans and leases to deposits | 74.8591% | 2,552 |
| Net loans and leases to core deposits | 78.0786% | 2,831 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 10.8959% | 1,526 |
| Core capital (leverage) ratio | 10.8971% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8391% | 1,583 |
| Memoranda: | ||
| Average total assets | $808,458,800 | 1,169 |
| Average earning assets | $738,734,600 | 1,184 |
| Average equity | $82,442,800 | 1,108 |
| Average total loans | $495,349,000 | 1,243 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 660 |
| Cost of funding earning assets | 0.6004% | 3,970 |
| Net interest margin | 5.2224% | 251 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 3.3016% | 721 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.7150% | 776 |
| Return on assets (ROA) | 1.6793% | 816 |
| Pretax return on assets | 2.0824% | 678 |
| Return on Equity (ROE) | 16.7600% | 1,120 |
| Retained earnings to average equity (ytd only) | 14.1351% | 660 |
| Net charge-offs to loans | 0.0003% | 2,656 |
| Credit loss provision to net charge-offs | 99,400.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 13,731.0000% | 4 |
| Efficiency ratio | 59.2552% | 3,056 |
| Assets per employee ($millions) | 5.9722% | 2,788 |
| Cash dividends to net income (ytd only)* | 15.6542% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,314 |
| Loan loss allowance to noncurrent loans | 59.3820% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 303 |
| Noncurrent loans to loans | 2.0350% | 295 |
| Net loans and leases to total assets | 65.6700% | 2,272 |
| Net loans and leases to deposits | 74.2412% | 2,544 |
| Net loans and leases to core deposits | 74.5309% | 2,958 |
| Total domestic deposits to total assets | 88.4500% | 1,427 |
| Equity capital to assets | 10.6389% | 1,492 |
| Core capital (leverage) ratio | 10.3196% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8293% | 1,621 |
| Memoranda: | ||
| Average total assets | $806,415,750 | 1,173 |
| Average earning assets | $738,590,750 | 1,180 |
| Average equity | $80,808,750 | 1,119 |
| Average total loans | $483,547,250 | 1,261 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 784 |
| Cost of funding earning assets | 0.4960% | 3,988 |
| Net interest margin | 5.0505% | 293 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 3.2379% | 754 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.7329% | 738 |
| Return on assets (ROA) | 1.6921% | 799 |
| Pretax return on assets | 2.0675% | 668 |
| Return on Equity (ROE) | 17.2300% | 1,055 |
| Retained earnings to average equity (ytd only) | 15.9016% | 483 |
| Net charge-offs to loans | 0.0004% | 2,442 |
| Credit loss provision to net charge-offs | 24,800.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 8,717.0000% | 8 |
| Efficiency ratio | 60.0833% | 2,951 |
| Assets per employee ($millions) | 6.1441% | 2,584 |
| Cash dividends to net income (ytd only)* | 7.7293% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,768 |
| Loan loss allowance to noncurrent loans | 49.2704% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3837% | 268 |
| Noncurrent loans to loans | 2.3063% | 211 |
| Net loans and leases to total assets | 59.3100% | 2,837 |
| Net loans and leases to deposits | 66.5297% | 3,031 |
| Net loans and leases to core deposits | 66.8256% | 3,300 |
| Total domestic deposits to total assets | 89.1500% | 1,196 |
| Equity capital to assets | 10.1015% | 1,796 |
| Core capital (leverage) ratio | 10.0647% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0053% | 1,317 |
| Memoranda: | ||
| Average total assets | $810,454,333 | 1,167 |
| Average earning assets | $743,602,333 | 1,172 |
| Average equity | $79,576,667 | 1,122 |
| Average total loans | $468,739,000 | 1,284 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 789 |
| Cost of funding earning assets | 0.3056% | 4,184 |
| Net interest margin | 5.0331% | 287 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 3.2403% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8407% | 630 |
| Return on assets (ROA) | 1.7688% | 708 |
| Pretax return on assets | 2.1985% | 575 |
| Return on Equity (ROE) | 18.2800% | 990 |
| Retained earnings to average equity (ytd only) | 18.2810% | 492 |
| Net charge-offs to loans | 0.0009% | 2,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4,581.0000% | 13 |
| Efficiency ratio | 58.8003% | 3,094 |
| Assets per employee ($millions) | 6.6260% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,837 |
| Loan loss allowance to noncurrent loans | 41.6087% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 200 |
| Noncurrent loans to loans | 2.7503% | 168 |
| Net loans and leases to total assets | 55.9600% | 3,042 |
| Net loans and leases to deposits | 62.5169% | 3,195 |
| Net loans and leases to core deposits | 62.8158% | 3,400 |
| Total domestic deposits to total assets | 89.5200% | 1,334 |
| Equity capital to assets | 9.7783% | 1,946 |
| Core capital (leverage) ratio | 9.8805% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7139% | 1,438 |
| Memoranda: | ||
| Average total assets | $807,097,000 | 1,191 |
| Average earning assets | $746,181,500 | 1,187 |
| Average equity | $78,092,000 | 1,149 |
| Average total loans | $457,974,500 | 1,322 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 1,179 |
| Cost of funding earning assets | 0.1685% | 4,010 |
| Net interest margin | 4.0702% | 699 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.8266% | 1,262 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2342% | 1,646 |
| Return on assets (ROA) | 1.2226% | 1,642 |
| Pretax return on assets | 1.4927% | 1,476 |
| Return on Equity (ROE) | 13.0400% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.1609% | 1,105 |
| Net charge-offs to loans | -0.0007% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.9786% | 2,365 |
| Assets per employee ($millions) | 6.2407% | 2,561 |
| Cash dividends to net income (ytd only)* | 22.1064% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,162 |
| Loan loss allowance to noncurrent loans | 49.1443% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 229 |
| Noncurrent loans to loans | 2.5403% | 181 |
| Net loans and leases to total assets | 56.1700% | 3,011 |
| Net loans and leases to deposits | 62.4892% | 3,159 |
| Net loans and leases to core deposits | 62.6074% | 3,352 |
| Total domestic deposits to total assets | 89.8900% | 1,417 |
| Equity capital to assets | 9.5692% | 1,955 |
| Core capital (leverage) ratio | 9.4672% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5055% | 1,232 |
| Memoranda: | ||
| Average total assets | $784,405,600 | 1,202 |
| Average earning assets | $731,545,200 | 1,184 |
| Average equity | $73,516,800 | 1,205 |
| Average total loans | $419,764,200 | 1,339 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 1,574 |
| Cost of funding earning assets | 0.1388% | 3,952 |
| Net interest margin | 3.7238% | 1,083 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.7005% | 1,477 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0403% | 2,321 |
| Return on assets (ROA) | 1.0344% | 2,312 |
| Pretax return on assets | 1.2729% | 2,131 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 8.1897% | 1,931 |
| Net charge-offs to loans | -0.0081% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5189% | 2,082 |
| Assets per employee ($millions) | 6.3818% | 2,421 |
| Cash dividends to net income (ytd only)* | 26.1944% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,726 |
| Loan loss allowance to noncurrent loans | 66.1370% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 406 |
| Noncurrent loans to loans | 2.0672% | 291 |
| Net loans and leases to total assets | 51.6400% | 3,315 |
| Net loans and leases to deposits | 57.3376% | 3,386 |
| Net loans and leases to core deposits | 57.4241% | 3,535 |
| Total domestic deposits to total assets | 90.0600% | 1,630 |
| Equity capital to assets | 9.2264% | 2,057 |
| Core capital (leverage) ratio | 8.9245% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8449% | 1,210 |
| Memoranda: | ||
| Average total assets | $782,364,250 | 1,212 |
| Average earning assets | $730,266,250 | 1,197 |
| Average equity | $72,935,250 | 1,225 |
| Average total loans | $412,003,500 | 1,350 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4999% | 2,144 |
| Cost of funding earning assets | 0.1233% | 3,923 |
| Net interest margin | 3.3766% | 1,673 |
| Noninterest income to average assets | 0.5042% | 2,178 |
| Noninterest expense to average assets | 2.5815% | 1,693 |
| Loan and lease loss provision to assets | 0.0307% | 2,039 |
| Net operating income to assets | 0.8403% | 2,815 |
| Return on assets (ROA) | 0.8407% | 2,787 |
| Pretax return on assets | 1.0544% | 2,555 |
| Return on Equity (ROE) | 8.9870% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.0871% | 2,309 |
| Net charge-offs to loans | -0.0141% | 3,739 |
| Credit loss provision to net charge-offs | -413.7931% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4154% | 1,899 |
| Assets per employee ($millions) | 6.5651% | 2,265 |
| Cash dividends to net income (ytd only)* | 32.2679% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,113 |
| Loan loss allowance to noncurrent loans | 926.5239% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,223 |
| Noncurrent loans to loans | 0.1420% | 2,992 |
| Net loans and leases to total assets | 52.2217% | 3,129 |
| Net loans and leases to deposits | 57.5550% | 3,261 |
| Net loans and leases to core deposits | 57.6176% | 3,453 |
| Total domestic deposits to total assets | 90.7334% | 1,369 |
| Equity capital to assets | 8.9014% | 2,445 |
| Core capital (leverage) ratio | 8.9975% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1598% | 1,153 |
| Memoranda: | ||
| Average total assets | $781,497,667 | 1,211 |
| Average earning assets | $731,791,333 | 1,208 |
| Average equity | $73,105,667 | 1,258 |
| Average total loans | $412,344,333 | 1,347 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 3,167 |
| Cost of funding earning assets | 0.1199% | 3,900 |
| Net interest margin | 2.9091% | 2,807 |
| Noninterest income to average assets | 0.5200% | 2,045 |
| Noninterest expense to average assets | 2.4422% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6618% | 3,191 |
| Return on assets (ROA) | 0.6626% | 3,167 |
| Pretax return on assets | 0.8187% | 3,052 |
| Return on Equity (ROE) | 6.9073% | 3,065 |
| Retained earnings to average equity (ytd only) | 6.9073% | 1,922 |
| Net charge-offs to loans | 0.0059% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 261.8333% | 352 |
| Efficiency ratio | 74.9162% | 1,642 |
| Assets per employee ($millions) | 7.0201% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 1,940 |
| Loan loss allowance to noncurrent loans | 252.2601% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 1,915 |
| Noncurrent loans to loans | 0.5515% | 1,659 |
| Net loans and leases to total assets | 49.3031% | 3,245 |
| Net loans and leases to deposits | 54.4920% | 3,378 |
| Net loans and leases to core deposits | 54.5722% | 3,555 |
| Total domestic deposits to total assets | 90.4778% | 1,308 |
| Equity capital to assets | 9.2343% | 2,497 |
| Core capital (leverage) ratio | 9.7370% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4650% | 831 |
| Memoranda: | ||
| Average total assets | $768,493,500 | 1,230 |
| Average earning assets | $723,785,500 | 1,220 |
| Average equity | $73,719,000 | 1,278 |
| Average total loans | $404,858,000 | 1,357 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 1,801 |
| Cost of funding earning assets | 0.1840% | 3,607 |
| Net interest margin | 3.6440% | 1,353 |
| Noninterest income to average assets | 0.6345% | 2,008 |
| Noninterest expense to average assets | 2.0826% | 3,431 |
| Loan and lease loss provision to assets | 0.0752% | 1,611 |
| Net operating income to assets | 1.5058% | 998 |
| Return on assets (ROA) | 1.5094% | 1,036 |
| Pretax return on assets | 1.9101% | 710 |
| Return on Equity (ROE) | 17.0868% | 574 |
| Retained earnings to average equity (ytd only) | 16.2669% | 159 |
| Net charge-offs to loans | -0.0053% | 3,569 |
| Credit loss provision to net charge-offs | -2,037.0370% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2545% | 4,180 |
| Assets per employee ($millions) | 7.0163% | 1,915 |
| Cash dividends to net income (ytd only)* | 4.7986% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,300 |
| Loan loss allowance to noncurrent loans | 247.0217% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 2,067 |
| Noncurrent loans to loans | 0.5319% | 1,801 |
| Net loans and leases to total assets | 54.7631% | 2,756 |
| Net loans and leases to deposits | 61.1515% | 2,975 |
| Net loans and leases to core deposits | 61.2465% | 3,222 |
| Total domestic deposits to total assets | 89.5531% | 1,206 |
| Equity capital to assets | 9.9680% | 2,685 |
| Core capital (leverage) ratio | 10.0747% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5327% | 960 |
| Memoranda: | ||
| Average total assets | $731,733,400 | 1,245 |
| Average earning assets | $688,506,200 | 1,236 |
| Average equity | $64,640,400 | 1,436 |
| Average total loans | $506,135,600 | 1,154 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 1,699 |
| Cost of funding earning assets | 0.1912% | 3,708 |
| Net interest margin | 3.7320% | 1,271 |
| Noninterest income to average assets | 0.6874% | 1,868 |
| Noninterest expense to average assets | 2.0941% | 3,385 |
| Loan and lease loss provision to assets | 0.0275% | 2,443 |
| Net operating income to assets | 1.6448% | 929 |
| Return on assets (ROA) | 1.6448% | 970 |
| Pretax return on assets | 2.0818% | 696 |
| Return on Equity (ROE) | 19.2570% | 488 |
| Retained earnings to average equity (ytd only) | 19.2570% | 159 |
| Net charge-offs to loans | -0.0091% | 3,638 |
| Credit loss provision to net charge-offs | -416.6667% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8189% | 4,237 |
| Assets per employee ($millions) | 7.5183% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,463 |
| Loan loss allowance to noncurrent loans | 217.0794% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 2,170 |
| Noncurrent loans to loans | 0.5042% | 2,050 |
| Net loans and leases to total assets | 62.9906% | 1,888 |
| Net loans and leases to deposits | 70.5445% | 2,185 |
| Net loans and leases to core deposits | 72.1228% | 2,416 |
| Total domestic deposits to total assets | 89.2920% | 1,124 |
| Equity capital to assets | 10.1515% | 2,760 |
| Core capital (leverage) ratio | 10.0897% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6959% | 1,193 |
| Memoranda: | ||
| Average total assets | $726,981,500 | 1,268 |
| Average earning assets | $684,902,500 | 1,264 |
| Average equity | $62,092,000 | 1,490 |
| Average total loans | $528,518,750 | 1,141 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 1,638 |
| Cost of funding earning assets | 0.1986% | 3,767 |
| Net interest margin | 3.7702% | 1,191 |
| Noninterest income to average assets | 0.7703% | 1,614 |
| Noninterest expense to average assets | 2.0537% | 3,541 |
| Loan and lease loss provision to assets | 0.0413% | 2,183 |
| Net operating income to assets | 1.7615% | 778 |
| Return on assets (ROA) | 1.7615% | 820 |
| Pretax return on assets | 2.2296% | 547 |
| Return on Equity (ROE) | 22.0128% | 315 |
| Retained earnings to average equity (ytd only) | 22.0128% | 111 |
| Net charge-offs to loans | -0.0127% | 3,775 |
| Credit loss provision to net charge-offs | -428.5714% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4877% | 4,428 |
| Assets per employee ($millions) | 7.0262% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,951 |
| Loan loss allowance to noncurrent loans | 289.9030% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,623 |
| Noncurrent loans to loans | 0.3328% | 2,719 |
| Net loans and leases to total assets | 72.0893% | 957 |
| Net loans and leases to deposits | 80.5149% | 1,382 |
| Net loans and leases to core deposits | 82.3843% | 1,692 |
| Total domestic deposits to total assets | 89.5354% | 1,011 |
| Equity capital to assets | 8.4733% | 4,225 |
| Core capital (leverage) ratio | 8.3391% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0341% | 1,956 |
| Memoranda: | ||
| Average total assets | $726,215,667 | 1,254 |
| Average earning assets | $684,637,667 | 1,247 |
| Average equity | $58,111,667 | 1,568 |
| Average total loans | $549,871,333 | 1,110 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 1,424 |
| Cost of funding earning assets | 0.2076% | 3,845 |
| Net interest margin | 3.8784% | 1,021 |
| Noninterest income to average assets | 0.4289% | 2,937 |
| Noninterest expense to average assets | 1.8541% | 4,100 |
| Loan and lease loss provision to assets | 0.0825% | 1,571 |
| Net operating income to assets | 1.7133% | 917 |
| Return on assets (ROA) | 1.7133% | 967 |
| Pretax return on assets | 2.1691% | 720 |
| Return on Equity (ROE) | 22.0574% | 388 |
| Retained earnings to average equity (ytd only) | 22.0574% | 201 |
| Net charge-offs to loans | -0.0057% | 3,442 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1587% | 4,516 |
| Assets per employee ($millions) | 7.6447% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,243 |
| Loan loss allowance to noncurrent loans | 133.6241% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,890 |
| Noncurrent loans to loans | 0.6513% | 1,941 |
| Net loans and leases to total assets | 76.0797% | 625 |
| Net loans and leases to deposits | 85.1709% | 1,033 |
| Net loans and leases to core deposits | 88.0134% | 1,367 |
| Total domestic deposits to total assets | 89.3259% | 1,158 |
| Equity capital to assets | 7.6458% | 4,657 |
| Core capital (leverage) ratio | 8.1061% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0226% | 1,893 |
| Memoranda: | ||
| Average total assets | $727,474,500 | 1,246 |
| Average earning assets | $689,662,000 | 1,233 |
| Average equity | $56,507,000 | 1,596 |
| Average total loans | $561,411,500 | 1,098 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 3,219 |
| Cost of funding earning assets | 0.3205% | 4,022 |
| Net interest margin | 3.5075% | 2,449 |
| Noninterest income to average assets | 0.4776% | 2,740 |
| Noninterest expense to average assets | 2.1775% | 3,729 |
| Loan and lease loss provision to assets | 0.2256% | 1,734 |
| Net operating income to assets | 1.1062% | 1,905 |
| Return on assets (ROA) | 1.1124% | 1,994 |
| Pretax return on assets | 1.4079% | 1,633 |
| Return on Equity (ROE) | 13.9544% | 823 |
| Retained earnings to average equity (ytd only) | 13.5614% | 210 |
| Net charge-offs to loans | 0.0432% | 2,193 |
| Credit loss provision to net charge-offs | 709.3596% | 987 |
| Earnings coverage of net charge-offs (x) | 51.1182% | 1,179 |
| Efficiency ratio | 57.2558% | 3,824 |
| Assets per employee ($millions) | 6.9812% | 1,598 |
| Cash dividends to net income (ytd only)* | 2.8165% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 4,178 |
| Loan loss allowance to noncurrent loans | 127.3602% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 1,906 |
| Noncurrent loans to loans | 0.7094% | 1,921 |
| Net loans and leases to total assets | 76.9320% | 701 |
| Net loans and leases to deposits | 91.3330% | 827 |
| Net loans and leases to core deposits | 93.8369% | 1,254 |
| Total domestic deposits to total assets | 84.2325% | 3,042 |
| Equity capital to assets | 7.8996% | 4,747 |
| Core capital (leverage) ratio | 8.1390% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1446% | 1,808 |
| Memoranda: | ||
| Average total assets | $638,340,200 | 1,278 |
| Average earning assets | $605,222,800 | 1,254 |
| Average equity | $50,887,000 | 1,667 |
| Average total loans | $469,626,000 | 1,191 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 3,502 |
| Cost of funding earning assets | 0.3488% | 4,062 |
| Net interest margin | 3.4724% | 2,680 |
| Noninterest income to average assets | 0.4553% | 2,820 |
| Noninterest expense to average assets | 2.2023% | 3,674 |
| Loan and lease loss provision to assets | 0.2438% | 1,667 |
| Net operating income to assets | 1.0222% | 2,249 |
| Return on assets (ROA) | 1.0307% | 2,351 |
| Pretax return on assets | 1.3049% | 2,029 |
| Return on Equity (ROE) | 12.8964% | 1,142 |
| Retained earnings to average equity (ytd only) | 12.6288% | 361 |
| Net charge-offs to loans | -0.0038% | 3,996 |
| Credit loss provision to net charge-offs | -8,769.2308% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8804% | 3,538 |
| Assets per employee ($millions) | 7.3846% | 1,284 |
| Cash dividends to net income (ytd only)* | 2.0751% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,223 |
| Loan loss allowance to noncurrent loans | 180.1272% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 2,651 |
| Noncurrent loans to loans | 0.4721% | 2,637 |
| Net loans and leases to total assets | 77.5494% | 889 |
| Net loans and leases to deposits | 94.6986% | 868 |
| Net loans and leases to core deposits | 97.3242% | 1,355 |
| Total domestic deposits to total assets | 81.8908% | 3,451 |
| Equity capital to assets | 7.3009% | 4,906 |
| Core capital (leverage) ratio | 7.8400% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8604% | 1,873 |
| Memoranda: | ||
| Average total assets | $623,394,250 | 1,282 |
| Average earning assets | $589,745,500 | 1,257 |
| Average equity | $49,821,500 | 1,690 |
| Average total loans | $451,538,000 | 1,218 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,493 |
| Cost of funding earning assets | 0.3813% | 4,120 |
| Net interest margin | 3.5605% | 2,610 |
| Noninterest income to average assets | 0.4885% | 2,615 |
| Noninterest expense to average assets | 2.3103% | 3,485 |
| Loan and lease loss provision to assets | 0.1932% | 2,100 |
| Net operating income to assets | 1.0639% | 2,098 |
| Return on assets (ROA) | 1.0757% | 2,182 |
| Pretax return on assets | 1.3614% | 1,834 |
| Return on Equity (ROE) | 12.9997% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.5900% | 395 |
| Net charge-offs to loans | -0.0024% | 3,849 |
| Credit loss provision to net charge-offs | -11,400.0000% | 4,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0070% | 3,410 |
| Assets per employee ($millions) | 7.5113% | 1,173 |
| Cash dividends to net income (ytd only)* | 3.1516% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 4,444 |
| Loan loss allowance to noncurrent loans | 673.4499% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 3,825 |
| Noncurrent loans to loans | 0.1125% | 4,003 |
| Net loans and leases to total assets | 73.8704% | 1,429 |
| Net loans and leases to deposits | 92.3104% | 1,122 |
| Net loans and leases to core deposits | 94.8862% | 1,673 |
| Total domestic deposits to total assets | 80.0239% | 3,828 |
| Equity capital to assets | 6.7900% | 4,994 |
| Core capital (leverage) ratio | 7.7378% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7491% | 1,904 |
| Memoranda: | ||
| Average total assets | $589,962,000 | 1,311 |
| Average earning assets | $557,002,667 | 1,303 |
| Average equity | $48,816,667 | 1,706 |
| Average total loans | $413,373,667 | 1,296 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 2,718 |
| Cost of funding earning assets | 0.4678% | 4,078 |
| Net interest margin | 3.9024% | 1,665 |
| Noninterest income to average assets | 0.6989% | 1,653 |
| Noninterest expense to average assets | 2.9605% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1013% | 1,837 |
| Return on assets (ROA) | 1.1025% | 1,931 |
| Pretax return on assets | 1.3954% | 1,576 |
| Return on Equity (ROE) | 11.7677% | 1,172 |
| Retained earnings to average equity (ytd only) | 11.7677% | 447 |
| Net charge-offs to loans | -0.0094% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9892% | 2,668 |
| Assets per employee ($millions) | 4.9373% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,303 |
| Loan loss allowance to noncurrent loans | 511.5760% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 3,589 |
| Noncurrent loans to loans | 0.2114% | 3,715 |
| Net loans and leases to total assets | 65.3485% | 2,891 |
| Net loans and leases to deposits | 72.5279% | 3,400 |
| Net loans and leases to core deposits | 75.2276% | 3,551 |
| Total domestic deposits to total assets | 90.1012% | 289 |
| Equity capital to assets | 9.4661% | 4,254 |
| Core capital (leverage) ratio | 9.2526% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0283% | 2,274 |
| Memoranda: | ||
| Average total assets | $509,378,500 | 1,445 |
| Average earning assets | $477,140,000 | 1,431 |
| Average equity | $47,724,000 | 1,734 |
| Average total loans | $340,511,500 | 1,489 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 2,150 |
| Cost of funding earning assets | 0.6077% | 3,607 |
| Net interest margin | 4.1566% | 1,407 |
| Noninterest income to average assets | 0.8416% | 1,326 |
| Noninterest expense to average assets | 3.2523% | 1,403 |
| Loan and lease loss provision to assets | 0.0573% | 2,885 |
| Net operating income to assets | 1.1359% | 2,305 |
| Return on assets (ROA) | 1.1364% | 2,405 |
| Pretax return on assets | 1.4386% | 2,018 |
| Return on Equity (ROE) | 12.1921% | 1,440 |
| Retained earnings to average equity (ytd only) | 10.9968% | 333 |
| Net charge-offs to loans | -0.0502% | 4,821 |
| Credit loss provision to net charge-offs | -162.6506% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5053% | 2,387 |
| Assets per employee ($millions) | 4.7222% | 2,927 |
| Cash dividends to net income (ytd only)* | 9.8039% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,100 |
| Loan loss allowance to noncurrent loans | 340.1487% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,611 |
| Noncurrent loans to loans | 0.3148% | 3,311 |
| Net loans and leases to total assets | 66.9224% | 2,844 |
| Net loans and leases to deposits | 74.1370% | 3,343 |
| Net loans and leases to core deposits | 76.8806% | 3,523 |
| Total domestic deposits to total assets | 90.2686% | 244 |
| Equity capital to assets | 9.2704% | 4,512 |
| Core capital (leverage) ratio | 9.3483% | 4,229 |
| Tier 1 risk-based capital ratio | 12.7494% | 3,917 |
| Total risk-based capital ratio | 13.7617% | 3,945 |
| Memoranda: | ||
| Average total assets | $471,236,400 | 1,491 |
| Average earning assets | $442,808,600 | 1,475 |
| Average equity | $43,921,800 | 1,794 |
| Average total loans | $330,630,800 | 1,496 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 1,998 |
| Cost of funding earning assets | 0.6350% | 3,516 |
| Net interest margin | 4.2063% | 1,367 |
| Noninterest income to average assets | 0.8428% | 1,300 |
| Noninterest expense to average assets | 3.3614% | 1,156 |
| Loan and lease loss provision to assets | 0.0778% | 2,345 |
| Net operating income to assets | 1.0744% | 2,667 |
| Return on assets (ROA) | 1.0750% | 2,754 |
| Pretax return on assets | 1.3612% | 2,455 |
| Return on Equity (ROE) | 11.5173% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.6684% | 590 |
| Net charge-offs to loans | -0.0049% | 4,199 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0366% | 2,112 |
| Assets per employee ($millions) | 4.4560% | 3,276 |
| Cash dividends to net income (ytd only)* | 7.3707% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,176 |
| Loan loss allowance to noncurrent loans | 535.9327% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 3,870 |
| Noncurrent loans to loans | 0.1995% | 3,825 |
| Net loans and leases to total assets | 68.0078% | 2,789 |
| Net loans and leases to deposits | 75.5873% | 3,335 |
| Net loans and leases to core deposits | 76.0444% | 3,694 |
| Total domestic deposits to total assets | 89.9726% | 293 |
| Equity capital to assets | 9.5381% | 4,425 |
| Core capital (leverage) ratio | 9.4514% | 4,217 |
| Tier 1 risk-based capital ratio | 12.3493% | 4,228 |
| Total risk-based capital ratio | 13.3181% | 4,278 |
| Memoranda: | ||
| Average total assets | $462,727,250 | 1,522 |
| Average earning assets | $435,270,500 | 1,505 |
| Average equity | $43,192,000 | 1,822 |
| Average total loans | $327,838,250 | 1,521 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 2,091 |
| Cost of funding earning assets | 0.6072% | 3,612 |
| Net interest margin | 4.1835% | 1,403 |
| Noninterest income to average assets | 0.7851% | 1,397 |
| Noninterest expense to average assets | 3.4259% | 1,062 |
| Loan and lease loss provision to assets | 0.1179% | 1,591 |
| Net operating income to assets | 0.9382% | 3,139 |
| Return on assets (ROA) | 0.9392% | 3,199 |
| Pretax return on assets | 1.1837% | 2,959 |
| Return on Equity (ROE) | 10.1390% | 2,326 |
| Retained earnings to average equity (ytd only) | 10.1390% | 717 |
| Net charge-offs to loans | -0.0122% | 4,384 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4871% | 1,844 |
| Assets per employee ($millions) | 3.9755% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,314 |
| Loan loss allowance to noncurrent loans | 169.7101% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 2,625 |
| Noncurrent loans to loans | 0.6212% | 2,403 |
| Net loans and leases to total assets | 71.4976% | 2,287 |
| Net loans and leases to deposits | 79.3274% | 3,019 |
| Net loans and leases to core deposits | 79.8321% | 3,440 |
| Total domestic deposits to total assets | 90.1298% | 301 |
| Equity capital to assets | 9.5388% | 4,366 |
| Core capital (leverage) ratio | 9.5835% | 4,062 |
| Tier 1 risk-based capital ratio | 12.1808% | 4,312 |
| Total risk-based capital ratio | 13.1691% | 4,348 |
| Memoranda: | ||
| Average total assets | $458,038,000 | 1,538 |
| Average earning assets | $431,508,330 | 1,521 |
| Average equity | $42,430,330 | 1,848 |
| Average total loans | $327,863,330 | 1,522 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,153 |
| Cost of funding earning assets | 0.5884% | 3,633 |
| Net interest margin | 4.1334% | 1,473 |
| Noninterest income to average assets | 0.7930% | 1,308 |
| Noninterest expense to average assets | 3.5191% | 943 |
| Loan and lease loss provision to assets | 0.1183% | 1,484 |
| Net operating income to assets | 0.8172% | 3,562 |
| Return on assets (ROA) | 0.8193% | 3,593 |
| Pretax return on assets | 1.0428% | 3,304 |
| Return on Equity (ROE) | 8.9794% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.9794% | 1,329 |
| Net charge-offs to loans | -0.0062% | 4,075 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2342% | 1,584 |
| Assets per employee ($millions) | 3.9275% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,541 |
| Loan loss allowance to noncurrent loans | 164.2578% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 2,699 |
| Noncurrent loans to loans | 0.6250% | 2,450 |
| Net loans and leases to total assets | 71.1875% | 2,303 |
| Net loans and leases to deposits | 78.7084% | 2,980 |
| Net loans and leases to core deposits | 79.2117% | 3,434 |
| Total domestic deposits to total assets | 90.4446% | 306 |
| Equity capital to assets | 9.2822% | 4,448 |
| Core capital (leverage) ratio | 9.3194% | 4,347 |
| Tier 1 risk-based capital ratio | 12.0060% | 4,454 |
| Total risk-based capital ratio | 12.9678% | 4,507 |
| Memoranda: | ||
| Average total assets | $456,478,000 | 1,555 |
| Average earning assets | $428,989,500 | 1,537 |
| Average equity | $41,651,000 | 1,868 |
| Average total loans | $325,180,000 | 1,540 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,860 |
| Cost of funding earning assets | 0.4149% | 3,898 |
| Net interest margin | 4.2737% | 1,214 |
| Noninterest income to average assets | 0.8403% | 1,335 |
| Noninterest expense to average assets | 3.5368% | 952 |
| Loan and lease loss provision to assets | 0.0493% | 3,199 |
| Net operating income to assets | 0.9589% | 3,182 |
| Return on assets (ROA) | 0.9589% | 3,183 |
| Pretax return on assets | 1.2027% | 2,871 |
| Return on Equity (ROE) | 10.5934% | 2,250 |
| Retained earnings to average equity (ytd only) | 10.4636% | 532 |
| Net charge-offs to loans | 0.1380% | 1,379 |
| Credit loss provision to net charge-offs | 50.3597% | 3,184 |
| Earnings coverage of net charge-offs (x) | 12.7818% | 2,508 |
| Efficiency ratio | 73.8546% | 1,640 |
| Assets per employee ($millions) | 3.9428% | 3,973 |
| Cash dividends to net income (ytd only)* | 1.2249% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,700 |
| Loan loss allowance to noncurrent loans | 148.7771% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 2,577 |
| Noncurrent loans to loans | 0.6716% | 2,317 |
| Net loans and leases to total assets | 69.8453% | 2,586 |
| Net loans and leases to deposits | 76.9456% | 3,280 |
| Net loans and leases to core deposits | 77.4323% | 3,616 |
| Total domestic deposits to total assets | 90.7723% | 255 |
| Equity capital to assets | 8.9673% | 4,608 |
| Core capital (leverage) ratio | 9.1406% | 4,522 |
| Tier 1 risk-based capital ratio | 11.8333% | 4,546 |
| Total risk-based capital ratio | 12.7737% | 4,618 |
| Memoranda: | ||
| Average total assets | $425,700,600 | 1,606 |
| Average earning assets | $393,315,200 | 1,612 |
| Average equity | $38,533,600 | 1,915 |
| Average total loans | $302,108,000 | 1,589 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 1,870 |
| Cost of funding earning assets | 0.3780% | 4,006 |
| Net interest margin | 4.2642% | 1,196 |
| Noninterest income to average assets | 0.9252% | 1,124 |
| Noninterest expense to average assets | 3.5631% | 905 |
| Loan and lease loss provision to assets | 0.0383% | 3,239 |
| Net operating income to assets | 0.9957% | 3,103 |
| Return on assets (ROA) | 0.9957% | 3,115 |
| Pretax return on assets | 1.2520% | 2,803 |
| Return on Equity (ROE) | 10.9720% | 2,185 |
| Retained earnings to average equity (ytd only) | 10.7962% | 698 |
| Net charge-offs to loans | 0.1908% | 873 |
| Credit loss provision to net charge-offs | 28.2353% | 2,974 |
| Earnings coverage of net charge-offs (x) | 9.5130% | 2,639 |
| Efficiency ratio | 73.4153% | 1,671 |
| Assets per employee ($millions) | 3.7070% | 4,297 |
| Cash dividends to net income (ytd only)* | 1.6027% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,567 |
| Loan loss allowance to noncurrent loans | 153.1602% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,692 |
| Noncurrent loans to loans | 0.6748% | 2,390 |
| Net loans and leases to total assets | 68.4327% | 2,876 |
| Net loans and leases to deposits | 75.4453% | 3,463 |
| Net loans and leases to core deposits | 75.9428% | 3,808 |
| Total domestic deposits to total assets | 90.7050% | 292 |
| Equity capital to assets | 9.0332% | 4,520 |
| Core capital (leverage) ratio | 8.8533% | 4,845 |
| Tier 1 risk-based capital ratio | 12.0965% | 4,449 |
| Total risk-based capital ratio | 13.0664% | 4,486 |
| Memoranda: | ||
| Average total assets | $417,785,250 | 1,645 |
| Average earning assets | $384,873,000 | 1,655 |
| Average equity | $37,913,750 | 1,948 |
| Average total loans | $296,967,500 | 1,615 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,114 |
| Cost of funding earning assets | 0.3357% | 4,162 |
| Net interest margin | 4.1552% | 1,396 |
| Noninterest income to average assets | 0.8384% | 1,356 |
| Noninterest expense to average assets | 3.5415% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8812% | 3,541 |
| Return on assets (ROA) | 0.8812% | 3,543 |
| Pretax return on assets | 1.1137% | 3,256 |
| Return on Equity (ROE) | 9.6949% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.4274% | 1,088 |
| Net charge-offs to loans | 0.2629% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.9021% | 2,675 |
| Efficiency ratio | 76.0761% | 1,421 |
| Assets per employee ($millions) | 3.6500% | 4,402 |
| Cash dividends to net income (ytd only)* | 2.7594% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,743 |
| Loan loss allowance to noncurrent loans | 231.0554% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 3,210 |
| Noncurrent loans to loans | 0.4390% | 3,119 |
| Net loans and leases to total assets | 68.9496% | 2,735 |
| Net loans and leases to deposits | 75.8411% | 3,351 |
| Net loans and leases to core deposits | 76.3461% | 3,720 |
| Total domestic deposits to total assets | 90.9133% | 269 |
| Equity capital to assets | 8.8566% | 4,678 |
| Core capital (leverage) ratio | 8.9995% | 4,692 |
| Tier 1 risk-based capital ratio | 11.6343% | 4,727 |
| Total risk-based capital ratio | 12.5844% | 4,776 |
| Memoranda: | ||
| Average total assets | $411,236,670 | 1,670 |
| Average earning assets | $377,742,000 | 1,695 |
| Average equity | $37,380,330 | 1,975 |
| Average total loans | $295,132,670 | 1,630 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 1,683 |
| Cost of funding earning assets | 0.2894% | 4,419 |
| Net interest margin | 4.2739% | 1,000 |
| Noninterest income to average assets | 0.9295% | 1,073 |
| Noninterest expense to average assets | 3.5227% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0630% | 2,593 |
| Return on assets (ROA) | 1.0630% | 2,604 |
| Pretax return on assets | 1.3061% | 2,341 |
| Return on Equity (ROE) | 11.5358% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.5358% | 784 |
| Net charge-offs to loans | -0.0260% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9523% | 2,049 |
| Assets per employee ($millions) | 3.4722% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,015 |
| Loan loss allowance to noncurrent loans | 2,053.5714% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,479 |
| Noncurrent loans to loans | 0.0567% | 4,722 |
| Net loans and leases to total assets | 70.3170% | 2,425 |
| Net loans and leases to deposits | 77.4478% | 3,069 |
| Net loans and leases to core deposits | 77.9183% | 3,496 |
| Total domestic deposits to total assets | 90.7927% | 387 |
| Equity capital to assets | 8.9901% | 4,567 |
| Core capital (leverage) ratio | 9.3320% | 4,279 |
| Tier 1 risk-based capital ratio | 12.1300% | 4,475 |
| Total risk-based capital ratio | 13.2774% | 4,423 |
| Memoranda: | ||
| Average total assets | $401,506,500 | 1,729 |
| Average earning assets | $366,315,500 | 1,760 |
| Average equity | $36,998,000 | 1,997 |
| Average total loans | $292,695,500 | 1,646 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 1,343 |
| Cost of funding earning assets | 0.2237% | 4,761 |
| Net interest margin | 4.4118% | 743 |
| Noninterest income to average assets | 0.8792% | 1,328 |
| Noninterest expense to average assets | 3.7792% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3683% | 4,791 |
| Return on assets (ROA) | 0.3683% | 4,808 |
| Pretax return on assets | 1.1089% | 3,152 |
| Return on Equity (ROE) | 3.7556% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.7556% | 2,973 |
| Net charge-offs to loans | -0.0415% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3144% | 1,444 |
| Assets per employee ($millions) | 3.4498% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,851 |
| Loan loss allowance to noncurrent loans | 3,063.3929% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 4,230 |
| Noncurrent loans to loans | 0.0388% | 4,838 |
| Net loans and leases to total assets | 73.8966% | 1,937 |
| Net loans and leases to deposits | 81.8689% | 2,732 |
| Net loans and leases to core deposits | 82.1416% | 3,234 |
| Total domestic deposits to total assets | 90.2622% | 479 |
| Equity capital to assets | 9.3652% | 4,367 |
| Core capital (leverage) ratio | 9.1885% | 4,409 |
| Tier 1 risk-based capital ratio | 11.7896% | 4,666 |
| Total risk-based capital ratio | 12.9530% | 4,602 |
| Memoranda: | ||
| Average total assets | $363,513,800 | 1,851 |
| Average earning assets | $330,320,400 | 1,892 |
| Average equity | $35,653,000 | 2,043 |
| Average total loans | $277,346,800 | 1,671 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,427 |
| Cost of funding earning assets | 0.2090% | 4,892 |
| Net interest margin | 4.3692% | 782 |
| Noninterest income to average assets | 0.9510% | 1,140 |
| Noninterest expense to average assets | 3.7976% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7732% | 3,631 |
| Return on assets (ROA) | 0.7732% | 3,680 |
| Pretax return on assets | 1.1336% | 3,171 |
| Return on Equity (ROE) | 7.7889% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.7889% | 1,307 |
| Net charge-offs to loans | -0.0559% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0120% | 1,459 |
| Assets per employee ($millions) | 3.4659% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,900 |
| Loan loss allowance to noncurrent loans | 1,448.1013% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 4,145 |
| Noncurrent loans to loans | 0.0833% | 4,737 |
| Net loans and leases to total assets | 75.0622% | 1,755 |
| Net loans and leases to deposits | 83.7001% | 2,594 |
| Net loans and leases to core deposits | 83.9868% | 3,124 |
| Total domestic deposits to total assets | 89.6799% | 586 |
| Equity capital to assets | 9.8964% | 4,034 |
| Core capital (leverage) ratio | 10.0431% | 3,521 |
| Tier 1 risk-based capital ratio | 12.7552% | 4,171 |
| Total risk-based capital ratio | 13.9394% | 4,106 |
| Memoranda: | ||
| Average total assets | $357,797,500 | 1,891 |
| Average earning assets | $325,943,000 | 1,926 |
| Average equity | $35,520,000 | 2,057 |
| Average total loans | $274,445,500 | 1,695 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,153 |
| Cost of funding earning assets | 0.1875% | 5,086 |
| Net interest margin | 4.4657% | 612 |
| Noninterest income to average assets | 0.6659% | 2,143 |
| Noninterest expense to average assets | 3.8673% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5802% | 4,389 |
| Return on assets (ROA) | 0.5802% | 4,444 |
| Pretax return on assets | 0.8555% | 4,085 |
| Return on Equity (ROE) | 5.8380% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8380% | 2,206 |
| Net charge-offs to loans | -0.0686% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8848% | 1,018 |
| Assets per employee ($millions) | 3.3888% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,642 |
| Loan loss allowance to noncurrent loans | 2,771.5447% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,344 |
| Noncurrent loans to loans | 0.0454% | 4,967 |
| Net loans and leases to total assets | 74.5286% | 1,773 |
| Net loans and leases to deposits | 83.1333% | 2,585 |
| Net loans and leases to core deposits | 83.4950% | 3,122 |
| Total domestic deposits to total assets | 89.6495% | 663 |
| Equity capital to assets | 10.0112% | 3,896 |
| Core capital (leverage) ratio | 9.4520% | 4,176 |
| Tier 1 risk-based capital ratio | 11.4003% | 5,016 |
| Total risk-based capital ratio | 12.5839% | 4,954 |
| Memoranda: | ||
| Average total assets | $352,290,330 | 1,915 |
| Average earning assets | $320,042,000 | 1,950 |
| Average equity | $35,012,000 | 2,076 |
| Average total loans | $271,126,000 | 1,715 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 1,473 |
| Cost of funding earning assets | 0.1758% | 5,187 |
| Net interest margin | 4.2825% | 824 |
| Noninterest income to average assets | 0.9552% | 1,091 |
| Noninterest expense to average assets | 3.8254% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6743% | 3,815 |
| Return on assets (ROA) | 0.6743% | 3,854 |
| Pretax return on assets | 1.0137% | 3,307 |
| Return on Equity (ROE) | 6.8101% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.8101% | 1,927 |
| Net charge-offs to loans | -0.1062% | 5,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0521% | 1,479 |
| Assets per employee ($millions) | 3.4743% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 3,004 |
| Loan loss allowance to noncurrent loans | 2,646.8750% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 4,056 |
| Noncurrent loans to loans | 0.0461% | 5,009 |
| Net loans and leases to total assets | 78.1113% | 1,121 |
| Net loans and leases to deposits | 87.0433% | 1,907 |
| Net loans and leases to core deposits | 87.3604% | 2,609 |
| Total domestic deposits to total assets | 89.7384% | 779 |
| Equity capital to assets | 9.9378% | 3,833 |
| Core capital (leverage) ratio | 9.1717% | 4,523 |
| Tier 1 risk-based capital ratio | 10.8120% | 5,400 |
| Total risk-based capital ratio | 11.9752% | 5,366 |
| Memoranda: | ||
| Average total assets | $348,826,500 | 1,940 |
| Average earning assets | $316,354,500 | 1,988 |
| Average equity | $34,537,000 | 2,109 |
| Average total loans | $271,124,500 | 1,722 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 2,613 |
| Cost of funding earning assets | 0.1952% | 5,064 |
| Net interest margin | 3.9690% | 1,735 |
| Noninterest income to average assets | 0.3884% | 3,977 |
| Noninterest expense to average assets | 3.1582% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5607% | 4,385 |
| Return on assets (ROA) | 0.5607% | 4,488 |
| Pretax return on assets | 0.8307% | 4,090 |
| Return on Equity (ROE) | 5.6683% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.6683% | 1,908 |
| Net charge-offs to loans | -0.0450% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1748% | 1,527 |
| Assets per employee ($millions) | 3.4675% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,797 |
| Loan loss allowance to noncurrent loans | 2,475.3731% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 3,990 |
| Noncurrent loans to loans | 0.0506% | 5,043 |
| Net loans and leases to total assets | 75.3999% | 1,617 |
| Net loans and leases to deposits | 83.8403% | 2,441 |
| Net loans and leases to core deposits | 84.2298% | 3,002 |
| Total domestic deposits to total assets | 89.9328% | 663 |
| Equity capital to assets | 9.8636% | 3,865 |
| Core capital (leverage) ratio | 9.1219% | 4,591 |
| Tier 1 risk-based capital ratio | 11.1745% | 5,243 |
| Total risk-based capital ratio | 12.3755% | 5,154 |
| Memoranda: | ||
| Average total assets | $335,984,200 | 1,969 |
| Average earning assets | $304,788,200 | 2,012 |
| Average equity | $33,237,600 | 2,163 |
| Average total loans | $237,773,600 | 1,859 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 2,954 |
| Cost of funding earning assets | 0.2017% | 5,051 |
| Net interest margin | 3.8767% | 2,064 |
| Noninterest income to average assets | 0.4668% | 3,448 |
| Noninterest expense to average assets | 3.1527% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5677% | 4,424 |
| Return on assets (ROA) | 0.5677% | 4,529 |
| Pretax return on assets | 0.8353% | 4,204 |
| Return on Equity (ROE) | 5.7338% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.7338% | 2,338 |
| Net charge-offs to loans | -0.0635% | 5,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0551% | 1,549 |
| Assets per employee ($millions) | 3.7026% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,512 |
| Loan loss allowance to noncurrent loans | 2,353.9007% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,861 |
| Noncurrent loans to loans | 0.0567% | 5,129 |
| Net loans and leases to total assets | 68.3326% | 2,750 |
| Net loans and leases to deposits | 75.7180% | 3,430 |
| Net loans and leases to core deposits | 76.0559% | 3,828 |
| Total domestic deposits to total assets | 90.2462% | 387 |
| Equity capital to assets | 9.4598% | 4,703 |
| Core capital (leverage) ratio | 8.7781% | 5,076 |
| Tier 1 risk-based capital ratio | 11.7824% | 4,929 |
| Total risk-based capital ratio | 13.0398% | 4,822 |
| Memoranda: | ||
| Average total assets | $333,292,500 | 1,990 |
| Average earning assets | $302,727,000 | 2,033 |
| Average equity | $32,996,500 | 2,194 |
| Average total loans | $231,025,250 | 1,903 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,178 |
| Cost of funding earning assets | 0.2115% | 5,026 |
| Net interest margin | 3.8093% | 2,282 |
| Noninterest income to average assets | 0.2600% | 4,922 |
| Noninterest expense to average assets | 3.0597% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4429% | 4,893 |
| Return on assets (ROA) | 0.4429% | 4,981 |
| Pretax return on assets | 0.6505% | 4,759 |
| Return on Equity (ROE) | 4.4015% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.4015% | 3,113 |
| Net charge-offs to loans | -0.0302% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4672% | 1,215 |
| Assets per employee ($millions) | 3.4482% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 2,510 |
| Loan loss allowance to noncurrent loans | 420.7523% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 3,253 |
| Noncurrent loans to loans | 0.3217% | 4,216 |
| Net loans and leases to total assets | 72.1778% | 2,137 |
| Net loans and leases to deposits | 80.5918% | 2,860 |
| Net loans and leases to core deposits | 80.8368% | 3,380 |
| Total domestic deposits to total assets | 89.5597% | 654 |
| Equity capital to assets | 10.1555% | 4,019 |
| Core capital (leverage) ratio | 9.0660% | 4,757 |
| Tier 1 risk-based capital ratio | 11.8571% | 4,933 |
| Total risk-based capital ratio | 13.1159% | 4,813 |
| Memoranda: | ||
| Average total assets | $324,672,670 | 2,047 |
| Average earning assets | $294,068,670 | 2,090 |
| Average equity | $32,670,330 | 2,214 |
| Average total loans | $225,121,330 | 1,950 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,330 |
| Cost of funding earning assets | 0.2160% | 5,044 |
| Net interest margin | 3.7541% | 2,460 |
| Noninterest income to average assets | 0.4294% | 3,622 |
| Noninterest expense to average assets | 2.8971% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6113% | 4,124 |
| Return on assets (ROA) | 0.6113% | 4,246 |
| Pretax return on assets | 0.9096% | 3,803 |
| Return on Equity (ROE) | 6.1040% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.1040% | 2,329 |
| Net charge-offs to loans | -0.1120% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1053% | 2,164 |
| Assets per employee ($millions) | 4.2056% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 2,143 |
| Loan loss allowance to noncurrent loans | 337.2165% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 2,026 |
| Noncurrent loans to loans | 0.4339% | 3,885 |
| Net loans and leases to total assets | 67.1500% | 2,790 |
| Net loans and leases to deposits | 74.8605% | 3,333 |
| Net loans and leases to core deposits | 75.1581% | 3,767 |
| Total domestic deposits to total assets | 89.7001% | 733 |
| Equity capital to assets | 10.0054% | 4,079 |
| Core capital (leverage) ratio | 9.0363% | 4,806 |
| Tier 1 risk-based capital ratio | 12.6615% | 4,474 |
| Total risk-based capital ratio | 13.9214% | 4,382 |
| Memoranda: | ||
| Average total assets | $323,221,000 | 2,066 |
| Average earning assets | $290,773,000 | 2,123 |
| Average equity | $32,372,000 | 2,228 |
| Average total loans | $217,841,500 | 2,000 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 3,129 |
| Cost of funding earning assets | 0.2395% | 4,898 |
| Net interest margin | 3.8080% | 2,344 |
| Noninterest income to average assets | 0.2515% | 5,087 |
| Noninterest expense to average assets | 2.9291% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5019% | 4,688 |
| Return on assets (ROA) | 0.5107% | 4,738 |
| Pretax return on assets | 0.7361% | 4,418 |
| Return on Equity (ROE) | 5.5781% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.5781% | 2,031 |
| Net charge-offs to loans | 0.1057% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.9722% | 2,751 |
| Efficiency ratio | 80.1967% | 1,648 |
| Assets per employee ($millions) | 4.5487% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,943 |
| Loan loss allowance to noncurrent loans | 457.2650% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 1,858 |
| Noncurrent loans to loans | 0.3309% | 4,274 |
| Net loans and leases to total assets | 65.6162% | 3,038 |
| Net loans and leases to deposits | 73.1574% | 3,592 |
| Net loans and leases to core deposits | 73.3534% | 4,011 |
| Total domestic deposits to total assets | 89.6919% | 754 |
| Equity capital to assets | 10.0258% | 3,926 |
| Core capital (leverage) ratio | 9.1216% | 4,726 |
| Tier 1 risk-based capital ratio | 12.5447% | 4,605 |
| Total risk-based capital ratio | 13.8107% | 4,487 |
| Memoranda: | ||
| Average total assets | $297,804,800 | 2,158 |
| Average earning assets | $265,967,600 | 2,229 |
| Average equity | $27,267,200 | 2,522 |
| Average total loans | $204,345,600 | 2,035 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 3,067 |
| Cost of funding earning assets | 0.2445% | 4,940 |
| Net interest margin | 3.8242% | 2,292 |
| Noninterest income to average assets | 0.3271% | 4,593 |
| Noninterest expense to average assets | 2.9117% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5829% | 4,464 |
| Return on assets (ROA) | 0.5950% | 4,508 |
| Pretax return on assets | 0.8460% | 4,189 |
| Return on Equity (ROE) | 6.6708% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.6708% | 1,852 |
| Net charge-offs to loans | 0.1634% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.3346% | 2,922 |
| Efficiency ratio | 77.8441% | 1,964 |
| Assets per employee ($millions) | 4.7440% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,877 |
| Loan loss allowance to noncurrent loans | 284.2576% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 1,625 |
| Noncurrent loans to loans | 0.5531% | 3,678 |
| Net loans and leases to total assets | 61.6707% | 3,655 |
| Net loans and leases to deposits | 67.7057% | 4,220 |
| Net loans and leases to core deposits | 67.8815% | 4,550 |
| Total domestic deposits to total assets | 91.0865% | 227 |
| Equity capital to assets | 8.6348% | 5,618 |
| Core capital (leverage) ratio | 7.6163% | 6,026 |
| Tier 1 risk-based capital ratio | 11.3348% | 5,472 |
| Total risk-based capital ratio | 12.6028% | 5,368 |
| Memoranda: | ||
| Average total assets | $292,653,750 | 2,205 |
| Average earning assets | $261,205,500 | 2,273 |
| Average equity | $26,103,250 | 2,636 |
| Average total loans | $202,397,500 | 2,066 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,403 |
| Cost of funding earning assets | 0.2531% | 4,907 |
| Net interest margin | 3.9834% | 1,689 |
| Noninterest income to average assets | 0.3573% | 4,398 |
| Noninterest expense to average assets | 2.9398% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6860% | 3,956 |
| Return on assets (ROA) | 0.7054% | 3,986 |
| Pretax return on assets | 0.9743% | 3,680 |
| Return on Equity (ROE) | 7.8137% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.8137% | 1,338 |
| Net charge-offs to loans | 0.1432% | 1,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.2345% | 2,475 |
| Efficiency ratio | 75.6280% | 2,427 |
| Assets per employee ($millions) | 4.5331% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,826 |
| Loan loss allowance to noncurrent loans | 239.5909% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6219% | 1,482 |
| Noncurrent loans to loans | 0.6787% | 3,451 |
| Net loans and leases to total assets | 65.3331% | 3,075 |
| Net loans and leases to deposits | 71.9399% | 3,727 |
| Net loans and leases to core deposits | 72.1384% | 4,118 |
| Total domestic deposits to total assets | 90.8162% | 351 |
| Equity capital to assets | 8.7828% | 5,452 |
| Core capital (leverage) ratio | 8.0841% | 5,880 |
| Tier 1 risk-based capital ratio | 10.9809% | 5,715 |
| Total risk-based capital ratio | 12.2509% | 5,628 |
| Memoranda: | ||
| Average total assets | $282,675,330 | 2,285 |
| Average earning assets | $250,491,000 | 2,364 |
| Average equity | $25,519,330 | 2,684 |
| Average total loans | $202,489,670 | 2,066 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 1,702 |
| Cost of funding earning assets | 0.2618% | 4,883 |
| Net interest margin | 4.1567% | 1,155 |
| Noninterest income to average assets | 0.3939% | 4,054 |
| Noninterest expense to average assets | 2.8940% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8864% | 2,813 |
| Return on assets (ROA) | 0.9289% | 2,736 |
| Pretax return on assets | 1.2199% | 2,587 |
| Return on Equity (ROE) | 10.1357% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.1357% | 888 |
| Net charge-offs to loans | 0.2326% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.7119% | 2,254 |
| Efficiency ratio | 71.3147% | 3,281 |
| Assets per employee ($millions) | 4.4090% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,905 |
| Loan loss allowance to noncurrent loans | 178.9075% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.9176% | 1,266 |
| Noncurrent loans to loans | 0.9192% | 2,944 |
| Net loans and leases to total assets | 70.1121% | 2,125 |
| Net loans and leases to deposits | 77.5170% | 2,874 |
| Net loans and leases to core deposits | 78.1249% | 3,367 |
| Total domestic deposits to total assets | 90.4474% | 544 |
| Equity capital to assets | 9.2237% | 5,054 |
| Core capital (leverage) ratio | 8.0232% | 5,932 |
| Tier 1 risk-based capital ratio | 10.6786% | 5,947 |
| Total risk-based capital ratio | 11.9486% | 5,865 |
| Memoranda: | ||
| Average total assets | $272,153,500 | 2,369 |
| Average earning assets | $239,904,500 | 2,470 |
| Average equity | $24,941,500 | 2,755 |
| Average total loans | $202,880,000 | 2,068 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 2,137 |
| Cost of funding earning assets | 0.3521% | 4,231 |
| Net interest margin | 4.0740% | 1,669 |
| Noninterest income to average assets | 0.2014% | 5,655 |
| Noninterest expense to average assets | 3.2074% | 2,194 |
| Loan and lease loss provision to assets | 0.0114% | 4,399 |
| Net operating income to assets | 2.9571% | 98 |
| Return on assets (ROA) | 2.9571% | 97 |
| Pretax return on assets | 0.5569% | 5,085 |
| Return on Equity (ROE) | 43.8047% | 20 |
| Retained earnings to average equity (ytd only) | 43.8047% | 10 |
| Net charge-offs to loans | 0.0558% | 3,715 |
| Credit loss provision to net charge-offs | 28.5714% | 3,855 |
| Earnings coverage of net charge-offs (x) | 14.2952% | 2,174 |
| Efficiency ratio | 84.9494% | 1,291 |
| Assets per employee ($millions) | 4.0328% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 1,844 |
| Loan loss allowance to noncurrent loans | 179.5597% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 2.1951% | 1,111 |
| Noncurrent loans to loans | 0.9325% | 2,985 |
| Net loans and leases to total assets | 76.7504% | 1,163 |
| Net loans and leases to deposits | 84.7553% | 2,128 |
| Net loans and leases to core deposits | 85.8274% | 2,706 |
| Total domestic deposits to total assets | 90.5552% | 520 |
| Equity capital to assets | 9.1007% | 5,176 |
| Core capital (leverage) ratio | 7.1098% | 6,292 |
| Tier 1 risk-based capital ratio | 8.5262% | 6,429 |
| Total risk-based capital ratio | 9.7809% | 6,428 |
| Memoranda: | ||
| Average total assets | $264,140,200 | 2,391 |
| Average earning assets | $231,737,600 | 2,504 |
| Average equity | $17,831,400 | 3,417 |
| Average total loans | $188,079,400 | 2,134 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,293 |
| Cost of funding earning assets | 0.3623% | 4,213 |
| Net interest margin | 4.0173% | 1,830 |
| Noninterest income to average assets | 0.3834% | 4,369 |
| Noninterest expense to average assets | 2.9962% | 2,809 |
| Loan and lease loss provision to assets | 0.0151% | 4,113 |
| Net operating income to assets | 0.9149% | 2,838 |
| Return on assets (ROA) | 0.9149% | 2,944 |
| Pretax return on assets | 0.8968% | 4,002 |
| Return on Equity (ROE) | 14.8314% | 854 |
| Retained earnings to average equity (ytd only) | 14.8314% | 213 |
| Net charge-offs to loans | 0.0725% | 3,162 |
| Credit loss provision to net charge-offs | 30.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | 18.1000% | 1,862 |
| Efficiency ratio | 76.6662% | 2,390 |
| Assets per employee ($millions) | 3.9915% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 1,628 |
| Loan loss allowance to noncurrent loans | 206.6265% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 2.6534% | 965 |
| Noncurrent loans to loans | 0.8865% | 3,353 |
| Net loans and leases to total assets | 69.7760% | 2,229 |
| Net loans and leases to deposits | 74.9852% | 3,314 |
| Net loans and leases to core deposits | 75.9026% | 3,754 |
| Total domestic deposits to total assets | 93.0531% | 76 |
| Equity capital to assets | 6.4994% | 6,444 |
| Core capital (leverage) ratio | 6.1925% | 6,466 |
| Tier 1 risk-based capital ratio | 9.0426% | 6,476 |
| Total risk-based capital ratio | 10.2993% | 6,466 |
| Memoranda: | ||
| Average total assets | $264,642,000 | 2,415 |
| Average earning assets | $232,192,500 | 2,515 |
| Average equity | $16,325,250 | 3,646 |
| Average total loans | $183,945,750 | 2,189 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,255 |
| Cost of funding earning assets | 0.3691% | 4,223 |
| Net interest margin | 4.0117% | 1,776 |
| Noninterest income to average assets | 0.3939% | 4,284 |
| Noninterest expense to average assets | 2.8795% | 3,241 |
| Loan and lease loss provision to assets | 0.0226% | 3,825 |
| Net operating income to assets | 0.9878% | 2,372 |
| Return on assets (ROA) | 0.9878% | 2,452 |
| Pretax return on assets | 0.9938% | 3,503 |
| Return on Equity (ROE) | 16.3017% | 623 |
| Retained earnings to average equity (ytd only) | 16.3017% | 163 |
| Net charge-offs to loans | 0.0656% | 3,055 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 22.4500% | 1,509 |
| Efficiency ratio | 73.9105% | 2,989 |
| Assets per employee ($millions) | 3.9814% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 1,600 |
| Loan loss allowance to noncurrent loans | 222.2934% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 2.8679% | 907 |
| Noncurrent loans to loans | 0.8524% | 3,575 |
| Net loans and leases to total assets | 68.3692% | 2,355 |
| Net loans and leases to deposits | 73.6309% | 3,369 |
| Net loans and leases to core deposits | 74.4468% | 3,792 |
| Total domestic deposits to total assets | 92.8539% | 92 |
| Equity capital to assets | 6.3272% | 6,505 |
| Core capital (leverage) ratio | 6.2134% | 6,514 |
| Tier 1 risk-based capital ratio | 8.8379% | 6,545 |
| Total risk-based capital ratio | 10.0953% | 6,543 |
| Memoranda: | ||
| Average total assets | $265,042,670 | 2,409 |
| Average earning assets | $231,372,330 | 2,534 |
| Average equity | $16,059,670 | 3,683 |
| Average total loans | $182,845,000 | 2,196 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 2,157 |
| Cost of funding earning assets | 0.3692% | 4,323 |
| Net interest margin | 4.0253% | 1,665 |
| Noninterest income to average assets | 0.4298% | 3,948 |
| Noninterest expense to average assets | 2.5382% | 4,488 |
| Loan and lease loss provision to assets | 0.0225% | 3,536 |
| Net operating income to assets | 1.3690% | 1,060 |
| Return on assets (ROA) | 1.3690% | 1,103 |
| Pretax return on assets | 1.3750% | 1,834 |
| Return on Equity (ROE) | 23.0976% | 171 |
| Retained earnings to average equity (ytd only) | 23.0976% | 74 |
| Net charge-offs to loans | 0.1007% | 2,162 |
| Credit loss provision to net charge-offs | 32.6087% | 2,373 |
| Earnings coverage of net charge-offs (x) | 20.2174% | 1,342 |
| Efficiency ratio | 64.4903% | 4,780 |
| Assets per employee ($millions) | 3.9363% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 1,755 |
| Loan loss allowance to noncurrent loans | 169.2195% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 3.0416% | 932 |
| Noncurrent loans to loans | 1.1222% | 3,179 |
| Net loans and leases to total assets | 65.9843% | 2,568 |
| Net loans and leases to deposits | 70.7170% | 3,509 |
| Net loans and leases to core deposits | 71.4908% | 3,923 |
| Total domestic deposits to total assets | 93.3075% | 92 |
| Equity capital to assets | 5.9808% | 6,569 |
| Core capital (leverage) ratio | 6.0792% | 6,575 |
| Tier 1 risk-based capital ratio | 8.6466% | 6,606 |
| Total risk-based capital ratio | 9.9038% | 6,609 |
| Memoranda: | ||
| Average total assets | $266,178,000 | 2,411 |
| Average earning assets | $231,833,000 | 2,534 |
| Average equity | $15,776,500 | 3,735 |
| Average total loans | $182,705,000 | 2,203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 2,102 |
| Cost of funding earning assets | 0.4090% | 4,550 |
| Net interest margin | 4.1179% | 1,598 |
| Noninterest income to average assets | 0.0245% | 6,606 |
| Noninterest expense to average assets | 3.4596% | 1,752 |
| Loan and lease loss provision to assets | -0.0574% | 6,405 |
| Net operating income to assets | 0.5462% | 4,525 |
| Return on assets (ROA) | 0.5462% | 4,653 |
| Pretax return on assets | 0.2603% | 5,829 |
| Return on Equity (ROE) | 9.6092% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.6092% | 646 |
| Net charge-offs to loans | 0.3375% | 1,990 |
| Credit loss provision to net charge-offs | -24.6305% | 5,728 |
| Earnings coverage of net charge-offs (x) | 0.8703% | 4,797 |
| Efficiency ratio | 94.4607% | 719 |
| Assets per employee ($millions) | 3.7790% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 1,747 |
| Loan loss allowance to noncurrent loans | 206.3679% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 3.5616% | 809 |
| Noncurrent loans to loans | 0.9282% | 3,672 |
| Net loans and leases to total assets | 68.7339% | 2,219 |
| Net loans and leases to deposits | 73.6799% | 3,313 |
| Net loans and leases to core deposits | 74.5361% | 3,782 |
| Total domestic deposits to total assets | 93.2871% | 111 |
| Equity capital to assets | 5.8711% | 6,629 |
| Core capital (leverage) ratio | 5.9487% | 6,654 |
| Tier 1 risk-based capital ratio | 8.0732% | 6,692 |
| Total risk-based capital ratio | 9.3060% | 6,695 |
| Memoranda: | ||
| Average total assets | $261,247,400 | 2,427 |
| Average earning assets | $230,799,600 | 2,508 |
| Average equity | $14,850,400 | 3,896 |
| Average total loans | $180,438,000 | 2,192 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 2,162 |
| Cost of funding earning assets | 0.4119% | 4,705 |
| Net interest margin | 4.1060% | 1,616 |
| Noninterest income to average assets | 0.4198% | 4,370 |
| Noninterest expense to average assets | 3.2336% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8330% | 3,175 |
| Return on assets (ROA) | 0.8330% | 3,307 |
| Pretax return on assets | 0.8371% | 4,154 |
| Return on Equity (ROE) | 14.7755% | 838 |
| Retained earnings to average equity (ytd only) | 14.7755% | 214 |
| Net charge-offs to loans | 0.3402% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.5752% | 3,664 |
| Efficiency ratio | 79.4361% | 2,194 |
| Assets per employee ($millions) | 3.9316% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1352% | 1,435 |
| Loan loss allowance to noncurrent loans | 194.3734% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 4.2789% | 714 |
| Noncurrent loans to loans | 1.0985% | 3,597 |
| Net loans and leases to total assets | 67.1199% | 2,441 |
| Net loans and leases to deposits | 72.1196% | 3,501 |
| Net loans and leases to core deposits | 72.8262% | 3,991 |
| Total domestic deposits to total assets | 93.0674% | 120 |
| Equity capital to assets | 5.9892% | 6,696 |
| Core capital (leverage) ratio | 5.7244% | 6,743 |
| Tier 1 risk-based capital ratio | 8.3305% | 6,753 |
| Total risk-based capital ratio | 9.5905% | 6,755 |
| Memoranda: | ||
| Average total assets | $261,371,250 | 2,444 |
| Average earning assets | $232,404,500 | 2,506 |
| Average equity | $14,735,750 | 3,963 |
| Average total loans | $179,866,250 | 2,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,224 |
| Cost of funding earning assets | 0.4133% | 4,822 |
| Net interest margin | 4.0799% | 1,596 |
| Noninterest income to average assets | 0.4527% | 4,144 |
| Noninterest expense to average assets | 3.2389% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8809% | 2,892 |
| Return on assets (ROA) | 0.8809% | 3,043 |
| Pretax return on assets | 0.8832% | 3,974 |
| Return on Equity (ROE) | 15.9532% | 677 |
| Retained earnings to average equity (ytd only) | 15.9532% | 194 |
| Net charge-offs to loans | 0.5075% | 1,295 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.5262% | 3,682 |
| Efficiency ratio | 78.5741% | 2,372 |
| Assets per employee ($millions) | 3.8272% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 1,529 |
| Loan loss allowance to noncurrent loans | 190.1902% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 4.3708% | 761 |
| Noncurrent loans to loans | 1.1307% | 3,670 |
| Net loans and leases to total assets | 66.4407% | 2,512 |
| Net loans and leases to deposits | 71.3481% | 3,539 |
| Net loans and leases to core deposits | 72.0455% | 4,028 |
| Total domestic deposits to total assets | 93.1220% | 116 |
| Equity capital to assets | 5.7960% | 6,758 |
| Core capital (leverage) ratio | 5.7302% | 6,776 |
| Tier 1 risk-based capital ratio | 8.1660% | 6,798 |
| Total risk-based capital ratio | 9.4264% | 6,801 |
| Memoranda: | ||
| Average total assets | $262,000,000 | 2,440 |
| Average earning assets | $235,644,330 | 2,492 |
| Average equity | $14,467,330 | 4,055 |
| Average total loans | $180,499,670 | 2,195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 2,340 |
| Cost of funding earning assets | 0.4217% | 4,896 |
| Net interest margin | 4.0307% | 1,676 |
| Noninterest income to average assets | 0.3911% | 4,531 |
| Noninterest expense to average assets | 3.2472% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7654% | 3,356 |
| Return on assets (ROA) | 0.7654% | 3,499 |
| Pretax return on assets | 0.7654% | 4,309 |
| Return on Equity (ROE) | 14.2100% | 927 |
| Retained earnings to average equity (ytd only) | 14.2100% | 431 |
| Net charge-offs to loans | 0.6974% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.5818% | 3,306 |
| Efficiency ratio | 80.9253% | 2,190 |
| Assets per employee ($millions) | 3.9100% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,552 |
| Loan loss allowance to noncurrent loans | 138.1353% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 4.8713% | 753 |
| Noncurrent loans to loans | 1.6060% | 3,135 |
| Net loans and leases to total assets | 65.3312% | 2,490 |
| Net loans and leases to deposits | 69.7873% | 3,516 |
| Net loans and leases to core deposits | 70.4541% | 4,018 |
| Total domestic deposits to total assets | 93.6148% | 92 |
| Equity capital to assets | 5.4385% | 6,866 |
| Core capital (leverage) ratio | 5.4268% | 6,850 |
| Tier 1 risk-based capital ratio | 7.7339% | 6,867 |
| Total risk-based capital ratio | 8.9948% | 6,868 |
| Memoranda: | ||
| Average total assets | $262,875,000 | 2,461 |
| Average earning assets | $236,187,000 | 2,509 |
| Average equity | $14,159,000 | 4,167 |
| Average total loans | $182,393,500 | 2,187 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 3,009 |
| Cost of funding earning assets | 0.5186% | 5,083 |
| Net interest margin | 4.0805% | 2,083 |
| Noninterest income to average assets | 0.6172% | 3,187 |
| Noninterest expense to average assets | 3.4494% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0521% | 2,114 |
| Return on assets (ROA) | 1.0525% | 2,307 |
| Pretax return on assets | 0.8200% | 4,222 |
| Return on Equity (ROE) | 23.0628% | 178 |
| Retained earnings to average equity (ytd only) | 23.0628% | 43 |
| Net charge-offs to loans | 0.3337% | 2,969 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.5784% | 3,675 |
| Efficiency ratio | 80.7996% | 2,037 |
| Assets per employee ($millions) | 3.6093% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2758% | 1,401 |
| Loan loss allowance to noncurrent loans | 105.4991% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 5.5228% | 670 |
| Noncurrent loans to loans | 2.1572% | 2,515 |
| Net loans and leases to total assets | 70.3753% | 1,766 |
| Net loans and leases to deposits | 75.0668% | 2,955 |
| Net loans and leases to core deposits | 75.8785% | 3,549 |
| Total domestic deposits to total assets | 93.7503% | 76 |
| Equity capital to assets | 5.3327% | 6,929 |
| Core capital (leverage) ratio | 5.3340% | 6,911 |
| Tier 1 risk-based capital ratio | 7.0803% | 6,953 |
| Total risk-based capital ratio | 8.3415% | 6,954 |
| Memoranda: | ||
| Average total assets | $267,179,200 | 2,370 |
| Average earning assets | $239,114,800 | 2,424 |
| Average equity | $12,192,800 | 4,528 |
| Average total loans | $183,374,400 | 2,159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 3,314 |
| Cost of funding earning assets | 0.5363% | 5,196 |
| Net interest margin | 4.0381% | 2,346 |
| Noninterest income to average assets | 0.6414% | 3,038 |
| Noninterest expense to average assets | 3.5483% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7053% | 3,893 |
| Return on assets (ROA) | 0.7058% | 4,132 |
| Pretax return on assets | 0.7058% | 4,840 |
| Return on Equity (ROE) | 16.1221% | 732 |
| Retained earnings to average equity (ytd only) | 16.1221% | 191 |
| Net charge-offs to loans | 0.3077% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.3801% | 3,669 |
| Efficiency ratio | 83.4188% | 1,650 |
| Assets per employee ($millions) | 3.5613% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3452% | 1,442 |
| Loan loss allowance to noncurrent loans | 135.5881% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 5.2712% | 823 |
| Noncurrent loans to loans | 1.7296% | 3,195 |
| Net loans and leases to total assets | 69.3764% | 2,043 |
| Net loans and leases to deposits | 73.4773% | 3,370 |
| Net loans and leases to core deposits | 74.2666% | 3,945 |
| Total domestic deposits to total assets | 94.4188% | 57 |
| Equity capital to assets | 4.6811% | 7,066 |
| Core capital (leverage) ratio | 4.4919% | 7,057 |
| Tier 1 risk-based capital ratio | 6.2566% | 7,081 |
| Total risk-based capital ratio | 7.4794% | 7,083 |
| Memoranda: | ||
| Average total assets | $269,007,000 | 2,376 |
| Average earning assets | $240,634,500 | 2,437 |
| Average equity | $11,776,500 | 4,659 |
| Average total loans | $182,432,500 | 2,197 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 3,779 |
| Cost of funding earning assets | 0.5541% | 5,276 |
| Net interest margin | 3.9428% | 2,740 |
| Noninterest income to average assets | 0.6928% | 2,709 |
| Noninterest expense to average assets | 3.5432% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6750% | 3,998 |
| Return on assets (ROA) | 0.6757% | 4,259 |
| Pretax return on assets | 0.6757% | 4,897 |
| Return on Equity (ROE) | 15.7963% | 795 |
| Retained earnings to average equity (ytd only) | 15.7963% | 235 |
| Net charge-offs to loans | 0.3445% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.9355% | 3,570 |
| Efficiency ratio | 83.9986% | 1,634 |
| Assets per employee ($millions) | 3.7339% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4150% | 1,394 |
| Loan loss allowance to noncurrent loans | 118.8689% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 5.4646% | 821 |
| Noncurrent loans to loans | 2.0317% | 2,910 |
| Net loans and leases to total assets | 68.5536% | 2,192 |
| Net loans and leases to deposits | 72.5043% | 3,535 |
| Net loans and leases to core deposits | 73.3250% | 4,121 |
| Total domestic deposits to total assets | 94.5510% | 65 |
| Equity capital to assets | 4.4685% | 7,118 |
| Core capital (leverage) ratio | 4.3960% | 7,105 |
| Tier 1 risk-based capital ratio | 5.9985% | 7,126 |
| Total risk-based capital ratio | 7.2187% | 7,128 |
| Memoranda: | ||
| Average total assets | $269,644,330 | 2,376 |
| Average earning assets | $241,100,670 | 2,427 |
| Average equity | $11,534,330 | 4,703 |
| Average total loans | $179,993,000 | 2,233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 3,917 |
| Cost of funding earning assets | 0.5646% | 5,396 |
| Net interest margin | 3.9341% | 2,791 |
| Noninterest income to average assets | 0.6503% | 2,930 |
| Noninterest expense to average assets | 3.5031% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6562% | 4,099 |
| Return on assets (ROA) | 0.6562% | 4,314 |
| Pretax return on assets | 0.6562% | 4,923 |
| Return on Equity (ROE) | 15.6884% | 853 |
| Retained earnings to average equity (ytd only) | 15.6884% | 391 |
| Net charge-offs to loans | 0.3395% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.9732% | 3,000 |
| Efficiency ratio | 84.2236% | 1,664 |
| Assets per employee ($millions) | 3.7269% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7200% | 1,090 |
| Loan loss allowance to noncurrent loans | 63.8194% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 7.0557% | 604 |
| Noncurrent loans to loans | 4.2620% | 1,407 |
| Net loans and leases to total assets | 61.2349% | 3,404 |
| Net loans and leases to deposits | 64.4938% | 4,563 |
| Net loans and leases to core deposits | 65.2680% | 4,991 |
| Total domestic deposits to total assets | 94.9469% | 60 |
| Equity capital to assets | 4.1807% | 7,174 |
| Core capital (leverage) ratio | 4.2511% | 7,163 |
| Tier 1 risk-based capital ratio | 6.1963% | 7,171 |
| Total risk-based capital ratio | 7.4116% | 7,170 |
| Memoranda: | ||
| Average total assets | $270,047,500 | 2,383 |
| Average earning assets | $240,868,500 | 2,443 |
| Average equity | $11,295,000 | 4,767 |
| Average total loans | $175,560,000 | 2,302 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 4,542 |
| Cost of funding earning assets | 0.6681% | 5,725 |
| Net interest margin | 3.9635% | 3,048 |
| Noninterest income to average assets | 0.4267% | 4,388 |
| Noninterest expense to average assets | 3.5101% | 1,955 |
| Loan and lease loss provision to assets | -1.0302% | 7,351 |
| Net operating income to assets | 1.4667% | 893 |
| Return on assets (ROA) | 1.4667% | 971 |
| Pretax return on assets | 1.4667% | 1,569 |
| Return on Equity (ROE) | 39.8766% | 18 |
| Retained earnings to average equity (ytd only) | 39.8766% | 7 |
| Net charge-offs to loans | 0.8888% | 1,956 |
| Credit loss provision to net charge-offs | -175.9006% | 6,737 |
| Earnings coverage of net charge-offs (x) | 0.7453% | 5,245 |
| Efficiency ratio | 88.9391% | 1,277 |
| Assets per employee ($millions) | 3.5717% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7440% | 1,041 |
| Loan loss allowance to noncurrent loans | 93.5112% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 6.6798% | 699 |
| Noncurrent loans to loans | 2.9344% | 2,220 |
| Net loans and leases to total assets | 65.3212% | 2,915 |
| Net loans and leases to deposits | 68.9126% | 4,293 |
| Net loans and leases to core deposits | 69.7870% | 4,806 |
| Total domestic deposits to total assets | 94.7886% | 67 |
| Equity capital to assets | 4.1846% | 7,215 |
| Core capital (leverage) ratio | 4.1702% | 7,198 |
| Tier 1 risk-based capital ratio | 5.8256% | 7,209 |
| Total risk-based capital ratio | 7.0372% | 7,212 |
| Memoranda: | ||
| Average total assets | $274,896,000 | 2,305 |
| Average earning assets | $244,128,400 | 2,356 |
| Average equity | $10,111,200 | 4,983 |
| Average total loans | $181,151,000 | 2,228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 4,415 |
| Cost of funding earning assets | 0.6869% | 5,839 |
| Net interest margin | 4.0221% | 2,824 |
| Noninterest income to average assets | 0.4496% | 4,296 |
| Noninterest expense to average assets | 3.3786% | 2,251 |
| Loan and lease loss provision to assets | -0.6879% | 7,422 |
| Net operating income to assets | 1.3312% | 1,305 |
| Return on assets (ROA) | 1.3312% | 1,394 |
| Pretax return on assets | 1.3312% | 2,179 |
| Return on Equity (ROE) | 37.4172% | 25 |
| Retained earnings to average equity (ytd only) | 37.4172% | 16 |
| Net charge-offs to loans | 0.7726% | 2,017 |
| Credit loss provision to net charge-offs | -135.7346% | 6,552 |
| Earnings coverage of net charge-offs (x) | 1.2692% | 4,664 |
| Efficiency ratio | 84.0062% | 1,729 |
| Assets per employee ($millions) | 3.5475% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8212% | 450 |
| Loan loss allowance to noncurrent loans | 120.1761% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 6.5040% | 795 |
| Noncurrent loans to loans | 3.1796% | 2,185 |
| Net loans and leases to total assets | 62.8990% | 3,531 |
| Net loans and leases to deposits | 65.8545% | 4,929 |
| Net loans and leases to core deposits | 66.5903% | 5,356 |
| Total domestic deposits to total assets | 95.5121% | 43 |
| Equity capital to assets | 4.0984% | 7,319 |
| Core capital (leverage) ratio | 3.9701% | 7,307 |
| Tier 1 risk-based capital ratio | 5.9159% | 7,299 |
| Total risk-based capital ratio | 7.1423% | 7,303 |
| Memoranda: | ||
| Average total assets | $277,544,250 | 2,297 |
| Average earning assets | $246,500,500 | 2,343 |
| Average equity | $9,874,000 | 5,071 |
| Average total loans | $182,059,500 | 2,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 4,556 |
| Cost of funding earning assets | 0.7118% | 5,893 |
| Net interest margin | 3.9807% | 2,934 |
| Noninterest income to average assets | 0.4373% | 4,366 |
| Noninterest expense to average assets | 3.4730% | 2,055 |
| Loan and lease loss provision to assets | -1.0265% | 7,502 |
| Net operating income to assets | 1.5225% | 845 |
| Return on assets (ROA) | 1.5225% | 902 |
| Pretax return on assets | 1.5225% | 1,460 |
| Return on Equity (ROE) | 45.0302% | 23 |
| Retained earnings to average equity (ytd only) | 45.0302% | 15 |
| Net charge-offs to loans | 1.0055% | 1,563 |
| Credit loss provision to net charge-offs | -155.4832% | 6,360 |
| Earnings coverage of net charge-offs (x) | 0.7514% | 4,738 |
| Efficiency ratio | 87.5023% | 1,460 |
| Assets per employee ($millions) | 3.7082% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9173% | 441 |
| Loan loss allowance to noncurrent loans | 111.3760% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 7.0486% | 720 |
| Noncurrent loans to loans | 3.5171% | 2,011 |
| Net loans and leases to total assets | 62.2212% | 3,843 |
| Net loans and leases to deposits | 65.0994% | 5,134 |
| Net loans and leases to core deposits | 65.8216% | 5,538 |
| Total domestic deposits to total assets | 95.5788% | 38 |
| Equity capital to assets | 3.8727% | 7,399 |
| Core capital (leverage) ratio | 3.7615% | 7,391 |
| Tier 1 risk-based capital ratio | 5.5346% | 7,377 |
| Total risk-based capital ratio | 6.7589% | 7,382 |
| Memoranda: | ||
| Average total assets | $279,007,670 | 2,302 |
| Average earning assets | $247,544,000 | 2,352 |
| Average equity | $9,433,670 | 5,205 |
| Average total loans | $183,200,330 | 2,246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 4,242 |
| Cost of funding earning assets | 0.7429% | 5,906 |
| Net interest margin | 4.0205% | 2,605 |
| Noninterest income to average assets | 0.4109% | 4,622 |
| Noninterest expense to average assets | 3.4311% | 2,190 |
| Loan and lease loss provision to assets | -0.6740% | 7,546 |
| Net operating income to assets | 1.2243% | 1,465 |
| Return on assets (ROA) | 1.2243% | 1,521 |
| Pretax return on assets | 1.2243% | 2,296 |
| Return on Equity (ROE) | 38.9725% | 47 |
| Retained earnings to average equity (ytd only) | 38.9725% | 37 |
| Net charge-offs to loans | 1.2864% | 1,076 |
| Credit loss provision to net charge-offs | -79.2642% | 5,695 |
| Earnings coverage of net charge-offs (x) | 0.6472% | 4,140 |
| Efficiency ratio | 86.1786% | 1,698 |
| Assets per employee ($millions) | 3.8013% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5578% | 274 |
| Loan loss allowance to noncurrent loans | 127.2348% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 7.2726% | 712 |
| Noncurrent loans to loans | 3.5822% | 2,076 |
| Net loans and leases to total assets | 62.1886% | 3,812 |
| Net loans and leases to deposits | 64.6280% | 5,172 |
| Net loans and leases to core deposits | 65.3087% | 5,585 |
| Total domestic deposits to total assets | 96.2255% | 25 |
| Equity capital to assets | 3.3388% | 7,470 |
| Core capital (leverage) ratio | 3.2589% | 7,475 |
| Tier 1 risk-based capital ratio | 4.8079% | 7,466 |
| Total risk-based capital ratio | 6.0391% | 7,467 |
| Memoranda: | ||
| Average total assets | $281,307,500 | 2,293 |
| Average earning assets | $249,822,000 | 2,348 |
| Average equity | $8,837,000 | 5,377 |
| Average total loans | $185,950,000 | 2,238 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 3,955 |
| Cost of funding earning assets | 1.1079% | 5,099 |
| Net interest margin | 4.0230% | 2,913 |
| Noninterest income to average assets | 0.3453% | 5,330 |
| Noninterest expense to average assets | 3.3528% | 2,576 |
| Loan and lease loss provision to assets | 0.8037% | 2,024 |
| Net operating income to assets | -0.3777% | 6,291 |
| Return on assets (ROA) | -0.3777% | 6,318 |
| Pretax return on assets | -0.3777% | 6,228 |
| Return on Equity (ROE) | -13.2260% | 6,851 |
| Retained earnings to average equity (ytd only) | -13.2260% | 6,804 |
| Net charge-offs to loans | 2.8735% | 600 |
| Credit loss provision to net charge-offs | 41.0008% | 6,372 |
| Earnings coverage of net charge-offs (x) | 0.2173% | 5,887 |
| Efficiency ratio | 88.7254% | 1,419 |
| Assets per employee ($millions) | 3.6554% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8736% | 208 |
| Loan loss allowance to noncurrent loans | 91.7808% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 8.4339% | 562 |
| Noncurrent loans to loans | 5.3101% | 1,248 |
| Net loans and leases to total assets | 63.7541% | 3,925 |
| Net loans and leases to deposits | 65.9657% | 5,407 |
| Net loans and leases to core deposits | 66.8445% | 5,793 |
| Total domestic deposits to total assets | 96.6474% | 23 |
| Equity capital to assets | 2.9493% | 7,567 |
| Core capital (leverage) ratio | 2.9154% | 7,563 |
| Tier 1 risk-based capital ratio | 4.1168% | 7,559 |
| Total risk-based capital ratio | 5.3513% | 7,564 |
| Memoranda: | ||
| Average total assets | $305,833,200 | 2,125 |
| Average earning assets | $261,025,000 | 2,242 |
| Average equity | $8,732,800 | 5,494 |
| Average total loans | $208,633,000 | 2,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 4,117 |
| Cost of funding earning assets | 1.1681% | 5,041 |
| Net interest margin | 3.9735% | 3,220 |
| Noninterest income to average assets | 0.4351% | 4,675 |
| Noninterest expense to average assets | 3.3691% | 2,375 |
| Loan and lease loss provision to assets | 1.1931% | 1,203 |
| Net operating income to assets | -0.7687% | 6,777 |
| Return on assets (ROA) | -0.7687% | 6,810 |
| Pretax return on assets | -0.7687% | 6,720 |
| Return on Equity (ROE) | -27.1236% | 7,343 |
| Retained earnings to average equity (ytd only) | -27.1236% | 7,335 |
| Net charge-offs to loans | 2.8886% | 552 |
| Credit loss provision to net charge-offs | 60.3034% | 5,683 |
| Earnings coverage of net charge-offs (x) | 0.2145% | 5,796 |
| Efficiency ratio | 88.8123% | 1,379 |
| Assets per employee ($millions) | 3.7121% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5196% | 128 |
| Loan loss allowance to noncurrent loans | 84.1069% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 9.0780% | 493 |
| Noncurrent loans to loans | 6.5626% | 905 |
| Net loans and leases to total assets | 63.5074% | 4,221 |
| Net loans and leases to deposits | 65.6057% | 5,707 |
| Net loans and leases to core deposits | 66.3874% | 6,093 |
| Total domestic deposits to total assets | 96.8017% | 15 |
| Equity capital to assets | 2.6215% | 7,705 |
| Core capital (leverage) ratio | 2.5196% | 7,697 |
| Tier 1 risk-based capital ratio | 3.6272% | 7,695 |
| Total risk-based capital ratio | 4.9252% | 7,696 |
| Memoranda: | ||
| Average total assets | $311,011,000 | 2,121 |
| Average earning assets | $262,867,250 | 2,267 |
| Average equity | $8,813,750 | 5,549 |
| Average total loans | $213,018,750 | 2,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 3,717 |
| Cost of funding earning assets | 1.2328% | 4,942 |
| Net interest margin | 4.0164% | 2,939 |
| Noninterest income to average assets | 0.5315% | 3,861 |
| Noninterest expense to average assets | 3.3457% | 2,415 |
| Loan and lease loss provision to assets | 1.2880% | 1,074 |
| Net operating income to assets | -0.7647% | 6,843 |
| Return on assets (ROA) | -0.7647% | 6,859 |
| Pretax return on assets | -0.7647% | 6,764 |
| Return on Equity (ROE) | -26.3633% | 7,387 |
| Retained earnings to average equity (ytd only) | -26.3633% | 7,371 |
| Net charge-offs to loans | 2.8756% | 571 |
| Credit loss provision to net charge-offs | 65.0144% | 5,094 |
| Earnings coverage of net charge-offs (x) | 0.2642% | 5,460 |
| Efficiency ratio | 86.4745% | 1,656 |
| Assets per employee ($millions) | 3.3547% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7011% | 121 |
| Loan loss allowance to noncurrent loans | 86.1056% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 9.0104% | 493 |
| Noncurrent loans to loans | 6.6210% | 891 |
| Net loans and leases to total assets | 63.6962% | 4,317 |
| Net loans and leases to deposits | 65.9395% | 5,811 |
| Net loans and leases to core deposits | 66.6184% | 6,196 |
| Total domestic deposits to total assets | 96.5979% | 18 |
| Equity capital to assets | 2.7404% | 7,769 |
| Core capital (leverage) ratio | 2.6067% | 7,756 |
| Tier 1 risk-based capital ratio | 3.7845% | 7,753 |
| Total risk-based capital ratio | 5.0849% | 7,753 |
| Memoranda: | ||
| Average total assets | $315,691,330 | 2,110 |
| Average earning assets | $262,322,330 | 2,283 |
| Average equity | $9,156,670 | 5,455 |
| Average total loans | $217,486,330 | 2,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 3,846 |
| Cost of funding earning assets | 1.2535% | 5,094 |
| Net interest margin | 3.9838% | 2,940 |
| Noninterest income to average assets | 0.4313% | 4,655 |
| Noninterest expense to average assets | 3.1923% | 2,901 |
| Loan and lease loss provision to assets | 0.5684% | 2,220 |
| Net operating income to assets | 0.0299% | 6,220 |
| Return on assets (ROA) | 0.0299% | 6,335 |
| Pretax return on assets | 0.0299% | 6,298 |
| Return on Equity (ROE) | 1.0050% | 6,112 |
| Retained earnings to average equity (ytd only) | 1.0050% | 5,409 |
| Net charge-offs to loans | 2.3413% | 718 |
| Credit loss provision to net charge-offs | 34.9158% | 4,741 |
| Earnings coverage of net charge-offs (x) | 0.3675% | 4,707 |
| Efficiency ratio | 84.2157% | 2,002 |
| Assets per employee ($millions) | 3.4963% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4969% | 130 |
| Loan loss allowance to noncurrent loans | 63.6368% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 9.3277% | 456 |
| Noncurrent loans to loans | 8.6380% | 586 |
| Net loans and leases to total assets | 65.5627% | 3,966 |
| Net loans and leases to deposits | 68.1091% | 5,576 |
| Net loans and leases to core deposits | 68.8491% | 6,019 |
| Total domestic deposits to total assets | 96.2614% | 28 |
| Equity capital to assets | 3.0509% | 7,845 |
| Core capital (leverage) ratio | 2.9662% | 7,842 |
| Tier 1 risk-based capital ratio | 4.0843% | 7,841 |
| Total risk-based capital ratio | 5.3821% | 7,843 |
| Memoranda: | ||
| Average total assets | $320,897,500 | 2,120 |
| Average earning assets | $270,598,000 | 2,282 |
| Average equity | $9,552,000 | 5,362 |
| Average total loans | $223,126,000 | 2,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6572% | 3,315 |
| Cost of funding earning assets | 1.8691% | 3,626 |
| Net interest margin | 3.7881% | 3,760 |
| Noninterest income to average assets | 0.1617% | 6,914 |
| Noninterest expense to average assets | 4.1583% | 1,149 |
| Loan and lease loss provision to assets | 2.6534% | 724 |
| Net operating income to assets | -2.4091% | 7,237 |
| Return on assets (ROA) | -2.1461% | 7,142 |
| Pretax return on assets | -3.0444% | 7,304 |
| Return on Equity (ROE) | -54.0649% | 7,718 |
| Retained earnings to average equity (ytd only) | -54.0649% | 7,713 |
| Net charge-offs to loans | 2.8450% | 769 |
| Credit loss provision to net charge-offs | 130.5052% | 3,902 |
| Earnings coverage of net charge-offs (x) | -0.3771% | 6,607 |
| Efficiency ratio | 122.6033% | 567 |
| Assets per employee ($millions) | 3.1760% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6372% | 122 |
| Loan loss allowance to noncurrent loans | 71.4524% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 8.5122% | 495 |
| Noncurrent loans to loans | 7.8895% | 647 |
| Net loans and leases to total assets | 65.7534% | 4,217 |
| Net loans and leases to deposits | 68.2369% | 5,795 |
| Net loans and leases to core deposits | 76.7030% | 6,358 |
| Total domestic deposits to total assets | 96.3605% | 30 |
| Equity capital to assets | 2.9053% | 7,923 |
| Core capital (leverage) ratio | 2.9017% | 7,911 |
| Tier 1 risk-based capital ratio | 3.9465% | 7,912 |
| Total risk-based capital ratio | 5.2468% | 7,912 |
| Memoranda: | ||
| Average total assets | $352,453,600 | 1,927 |
| Average earning assets | $300,518,400 | 2,068 |
| Average equity | $13,990,600 | 4,252 |
| Average total loans | $251,883,600 | 1,882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 3,132 |
| Cost of funding earning assets | 1.9583% | 3,575 |
| Net interest margin | 3.7824% | 3,726 |
| Noninterest income to average assets | 0.2925% | 6,137 |
| Noninterest expense to average assets | 4.0833% | 1,168 |
| Loan and lease loss provision to assets | 2.5125% | 662 |
| Net operating income to assets | -3.0677% | 7,601 |
| Return on assets (ROA) | -2.7615% | 7,533 |
| Pretax return on assets | -2.7615% | 7,437 |
| Return on Equity (ROE) | -65.5611% | 7,917 |
| Retained earnings to average equity (ytd only) | -65.5611% | 7,915 |
| Net charge-offs to loans | 2.2879% | 824 |
| Credit loss provision to net charge-offs | 152.7910% | 3,126 |
| Earnings coverage of net charge-offs (x) | -0.3376% | 6,380 |
| Efficiency ratio | 115.7363% | 660 |
| Assets per employee ($millions) | 2.9745% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3959% | 108 |
| Loan loss allowance to noncurrent loans | 68.5871% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 8.7896% | 451 |
| Noncurrent loans to loans | 7.8672% | 626 |
| Net loans and leases to total assets | 66.0565% | 4,419 |
| Net loans and leases to deposits | 68.4676% | 6,090 |
| Net loans and leases to core deposits | 78.0495% | 6,483 |
| Total domestic deposits to total assets | 96.4784% | 21 |
| Equity capital to assets | 2.9167% | 8,033 |
| Core capital (leverage) ratio | 2.6404% | 8,036 |
| Tier 1 risk-based capital ratio | 3.7641% | 8,032 |
| Total risk-based capital ratio | 5.0612% | 8,035 |
| Memoranda: | ||
| Average total assets | $358,784,500 | 1,908 |
| Average earning assets | $306,919,000 | 2,050 |
| Average equity | $15,112,250 | 4,079 |
| Average total loans | $257,867,250 | 1,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 2,483 |
| Cost of funding earning assets | 2.0329% | 3,608 |
| Net interest margin | 3.8909% | 3,153 |
| Noninterest income to average assets | 0.2725% | 6,323 |
| Noninterest expense to average assets | 4.1176% | 1,166 |
| Loan and lease loss provision to assets | 0.9907% | 1,701 |
| Net operating income to assets | -1.5059% | 7,249 |
| Return on assets (ROA) | -1.0524% | 7,020 |
| Pretax return on assets | -1.0524% | 6,853 |
| Return on Equity (ROE) | -22.7687% | 7,582 |
| Retained earnings to average equity (ytd only) | -22.7687% | 7,539 |
| Net charge-offs to loans | 2.2701% | 789 |
| Credit loss provision to net charge-offs | 60.1805% | 5,584 |
| Earnings coverage of net charge-offs (x) | -0.3129% | 5,964 |
| Efficiency ratio | 114.3010% | 761 |
| Assets per employee ($millions) | 2.9534% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7410% | 313 |
| Loan loss allowance to noncurrent loans | 76.1495% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 5.8197% | 842 |
| Noncurrent loans to loans | 4.9127% | 1,263 |
| Net loans and leases to total assets | 66.5577% | 4,448 |
| Net loans and leases to deposits | 70.0231% | 5,985 |
| Net loans and leases to core deposits | 81.3535% | 6,296 |
| Total domestic deposits to total assets | 95.0511% | 35 |
| Equity capital to assets | 4.2084% | 8,085 |
| Core capital (leverage) ratio | 4.1800% | 8,080 |
| Tier 1 risk-based capital ratio | 5.9174% | 8,061 |
| Total risk-based capital ratio | 7.1975% | 8,068 |
| Memoranda: | ||
| Average total assets | $363,364,670 | 1,906 |
| Average earning assets | $310,982,670 | 2,048 |
| Average equity | $16,795,000 | 3,755 |
| Average total loans | $263,515,000 | 1,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 2,283 |
| Cost of funding earning assets | 2.0380% | 3,937 |
| Net interest margin | 3.9808% | 2,722 |
| Noninterest income to average assets | 0.4973% | 4,342 |
| Noninterest expense to average assets | 3.9687% | 1,219 |
| Loan and lease loss provision to assets | 0.8841% | 1,482 |
| Net operating income to assets | -0.8863% | 7,178 |
| Return on assets (ROA) | -0.5471% | 6,970 |
| Pretax return on assets | -0.5471% | 6,855 |
| Return on Equity (ROE) | -11.3230% | 7,442 |
| Retained earnings to average equity (ytd only) | -11.3230% | 7,227 |
| Net charge-offs to loans | 2.1127% | 683 |
| Credit loss provision to net charge-offs | 56.3777% | 4,581 |
| Earnings coverage of net charge-offs (x) | -0.0014% | 4,979 |
| Efficiency ratio | 100.0557% | 1,125 |
| Assets per employee ($millions) | 2.8676% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8131% | 257 |
| Loan loss allowance to noncurrent loans | 80.0207% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 6.1708% | 634 |
| Noncurrent loans to loans | 4.7652% | 1,165 |
| Net loans and leases to total assets | 70.1288% | 3,640 |
| Net loans and leases to deposits | 74.1771% | 5,459 |
| Net loans and leases to core deposits | 86.2353% | 5,883 |
| Total domestic deposits to total assets | 94.5424% | 29 |
| Equity capital to assets | 4.7452% | 8,132 |
| Core capital (leverage) ratio | 4.5188% | 8,149 |
| Tier 1 risk-based capital ratio | 6.1544% | 8,136 |
| Total risk-based capital ratio | 7.4348% | 8,140 |
| Memoranda: | ||
| Average total assets | $361,936,000 | 1,920 |
| Average earning assets | $315,412,000 | 2,027 |
| Average equity | $17,486,500 | 3,640 |
| Average total loans | $268,661,500 | 1,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1385% | 4,843 |
| Cost of funding earning assets | 2.3722% | 4,844 |
| Net interest margin | 3.7663% | 4,153 |
| Noninterest income to average assets | -0.0667% | 8,188 |
| Noninterest expense to average assets | 3.6969% | 1,957 |
| Loan and lease loss provision to assets | 4.2093% | 150 |
| Net operating income to assets | -4.9896% | 8,088 |
| Return on assets (ROA) | -5.0054% | 8,079 |
| Pretax return on assets | -4.5752% | 7,973 |
| Return on Equity (ROE) | -64.3571% | 8,218 |
| Retained earnings to average equity (ytd only) | -64.3571% | 8,208 |
| Net charge-offs to loans | 5.3965% | 83 |
| Credit loss provision to net charge-offs | 105.9530% | 5,053 |
| Earnings coverage of net charge-offs (x) | -0.0881% | 6,314 |
| Efficiency ratio | 110.4617% | 701 |
| Assets per employee ($millions) | 2.6464% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8935% | 207 |
| Loan loss allowance to noncurrent loans | 69.2108% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 6.1455% | 476 |
| Noncurrent loans to loans | 5.6256% | 695 |
| Net loans and leases to total assets | 72.6032% | 3,459 |
| Net loans and leases to deposits | 77.2090% | 5,444 |
| Net loans and leases to core deposits | 89.8837% | 5,807 |
| Total domestic deposits to total assets | 94.0346% | 31 |
| Equity capital to assets | 4.9173% | 8,197 |
| Core capital (leverage) ratio | 4.6245% | 8,234 |
| Tier 1 risk-based capital ratio | 6.1544% | 8,225 |
| Total risk-based capital ratio | 7.4363% | 8,225 |
| Memoranda: | ||
| Average total assets | $410,995,400 | 1,653 |
| Average earning assets | $372,485,800 | 1,670 |
| Average equity | $31,965,400 | 2,115 |
| Average total loans | $302,564,000 | 1,597 |