Home > Patriot Bank > Performance and Condition Ratios
Patriot 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 | 4.5583% | 2,997 |
| Cost of funding earning assets | 1.5940% | 1,707 |
| Net interest margin | 2.9643% | 3,368 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.3621% | 692 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.1635% | 4,202 |
| Return on assets (ROA) | 0.1678% | 4,218 |
| Pretax return on assets | 0.1791% | 4,213 |
| Return on Equity (ROE) | 2.2200% | 4,127 |
| Retained earnings to average equity (ytd only) | 0.7993% | 3,877 |
| Net charge-offs to loans | -0.0136% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.5006% | 313 |
| Assets per employee ($millions) | 4.8731% | 3,726 |
| Cash dividends to net income (ytd only)* | 64.0205% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 650 |
| Loan loss allowance to noncurrent loans | 203.0985% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 1,259 |
| Noncurrent loans to loans | 0.8393% | 915 |
| Net loans and leases to total assets | 51.7100% | 3,498 |
| Net loans and leases to deposits | 59.3078% | 3,566 |
| Net loans and leases to core deposits | 69.3886% | 3,343 |
| Total domestic deposits to total assets | 87.1800% | 1,617 |
| Equity capital to assets | 8.1494% | 3,312 |
| Core capital (leverage) ratio | 9.1099% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6206% | 2,375 |
| Memoranda: | ||
| Average total assets | $465,547,600 | 1,809 |
| Average earning assets | $427,422,000 | 1,817 |
| Average equity | $35,153,600 | 2,049 |
| Average total loans | $243,043,400 | 2,043 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 2,973 |
| Cost of funding earning assets | 1.5321% | 1,528 |
| Net interest margin | 2.9352% | 3,464 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 3.3745% | 652 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.1665% | 4,268 |
| Return on assets (ROA) | 0.1721% | 4,278 |
| Pretax return on assets | 0.1821% | 4,277 |
| Return on Equity (ROE) | 2.3200% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.3240% | 3,662 |
| Net charge-offs to loans | -0.0175% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.9910% | 295 |
| Assets per employee ($millions) | 4.7366% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 728 |
| Loan loss allowance to noncurrent loans | 253.2087% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 1,628 |
| Noncurrent loans to loans | 0.6653% | 1,240 |
| Net loans and leases to total assets | 51.6200% | 3,523 |
| Net loans and leases to deposits | 59.8332% | 3,512 |
| Net loans and leases to core deposits | 70.8207% | 3,172 |
| Total domestic deposits to total assets | 86.2800% | 2,111 |
| Equity capital to assets | 7.3466% | 3,442 |
| Core capital (leverage) ratio | 9.0183% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6702% | 2,398 |
| Memoranda: | ||
| Average total assets | $468,634,750 | 1,799 |
| Average earning assets | $429,994,250 | 1,803 |
| Average equity | $34,708,750 | 2,057 |
| Average total loans | $244,204,000 | 2,030 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 2,901 |
| Cost of funding earning assets | 1.4054% | 1,437 |
| Net interest margin | 2.9863% | 3,462 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 3.2741% | 709 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.2431% | 4,241 |
| Return on assets (ROA) | 0.2531% | 4,247 |
| Pretax return on assets | 0.2862% | 4,243 |
| Return on Equity (ROE) | 3.4100% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.4088% | 3,372 |
| Net charge-offs to loans | -0.0253% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.3233% | 377 |
| Assets per employee ($millions) | 4.9627% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 776 |
| Loan loss allowance to noncurrent loans | 538.8594% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 1,948 |
| Noncurrent loans to loans | 0.3127% | 2,018 |
| Net loans and leases to total assets | 51.3700% | 3,456 |
| Net loans and leases to deposits | 59.5126% | 3,451 |
| Net loans and leases to core deposits | 70.1896% | 3,119 |
| Total domestic deposits to total assets | 86.3200% | 2,141 |
| Equity capital to assets | 7.6790% | 3,417 |
| Core capital (leverage) ratio | 8.9191% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6723% | 2,032 |
| Memoranda: | ||
| Average total assets | $471,697,000 | 1,794 |
| Average earning assets | $433,180,000 | 1,798 |
| Average equity | $35,027,000 | 2,054 |
| Average total loans | $245,187,667 | 2,022 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 3,114 |
| Cost of funding earning assets | 1.2786% | 1,279 |
| Net interest margin | 2.8834% | 3,813 |
| Noninterest income to average assets | 0.8900% | 706 |
| Noninterest expense to average assets | 3.1100% | 919 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.2671% | 4,293 |
| Return on assets (ROA) | 0.2861% | 4,228 |
| Pretax return on assets | 0.3272% | 4,238 |
| Return on Equity (ROE) | 3.9200% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.9173% | 3,296 |
| Net charge-offs to loans | 0.0097% | 1,578 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 862 |
| Efficiency ratio | 87.8228% | 427 |
| Assets per employee ($millions) | 5.3776% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,061 |
| Loan loss allowance to noncurrent loans | 207.6104% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,317 |
| Noncurrent loans to loans | 0.7586% | 1,014 |
| Net loans and leases to total assets | 50.9300% | 3,425 |
| Net loans and leases to deposits | 58.7312% | 3,411 |
| Net loans and leases to core deposits | 69.5525% | 2,982 |
| Total domestic deposits to total assets | 86.7200% | 2,364 |
| Equity capital to assets | 7.4261% | 3,601 |
| Core capital (leverage) ratio | 8.6787% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3078% | 2,265 |
| Memoranda: | ||
| Average total assets | $476,781,000 | 1,800 |
| Average earning assets | $437,680,500 | 1,813 |
| Average equity | $34,820,000 | 2,086 |
| Average total loans | $247,206,500 | 2,038 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 3,251 |
| Cost of funding earning assets | 0.4917% | 1,455 |
| Net interest margin | 2.9435% | 3,585 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 3.1796% | 742 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6157% | 3,841 |
| Return on assets (ROA) | 0.5976% | 3,844 |
| Pretax return on assets | 0.6796% | 3,898 |
| Return on Equity (ROE) | 7.5800% | 3,494 |
| Retained earnings to average equity (ytd only) | 2.9090% | 3,746 |
| Net charge-offs to loans | -0.0364% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.7877% | 732 |
| Assets per employee ($millions) | 5.1070% | 3,589 |
| Cash dividends to net income (ytd only)* | 61.6197% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,135 |
| Loan loss allowance to noncurrent loans | 267.7833% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,676 |
| Noncurrent loans to loans | 0.5686% | 1,308 |
| Net loans and leases to total assets | 51.1600% | 3,422 |
| Net loans and leases to deposits | 58.9371% | 3,404 |
| Net loans and leases to core deposits | 66.3239% | 3,112 |
| Total domestic deposits to total assets | 86.8000% | 2,460 |
| Equity capital to assets | 7.1793% | 3,565 |
| Core capital (leverage) ratio | 8.5622% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5593% | 2,544 |
| Memoranda: | ||
| Average total assets | $475,254,200 | 1,784 |
| Average earning assets | $439,507,200 | 1,790 |
| Average equity | $37,469,400 | 2,020 |
| Average total loans | $244,258,400 | 1,973 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2799% | 3,237 |
| Cost of funding earning assets | 0.3272% | 1,884 |
| Net interest margin | 2.9527% | 3,354 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 3.2179% | 675 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.7184% | 3,516 |
| Return on assets (ROA) | 0.7184% | 3,465 |
| Pretax return on assets | 0.8199% | 3,531 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.3024% | 2,634 |
| Net charge-offs to loans | 0.0022% | 2,195 |
| Credit loss provision to net charge-offs | 8,750.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 818.2500% | 200 |
| Efficiency ratio | 77.8026% | 930 |
| Assets per employee ($millions) | 5.0940% | 3,594 |
| Cash dividends to net income (ytd only)* | 29.2854% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 1,590 |
| Loan loss allowance to noncurrent loans | 306.8996% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 2,003 |
| Noncurrent loans to loans | 0.4584% | 1,659 |
| Net loans and leases to total assets | 52.5500% | 3,228 |
| Net loans and leases to deposits | 61.0229% | 3,107 |
| Net loans and leases to core deposits | 67.8660% | 2,814 |
| Total domestic deposits to total assets | 86.1200% | 3,037 |
| Equity capital to assets | 7.0001% | 3,521 |
| Core capital (leverage) ratio | 8.8878% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0774% | 2,440 |
| Memoranda: | ||
| Average total assets | $475,329,750 | 1,799 |
| Average earning assets | $440,489,750 | 1,796 |
| Average equity | $38,312,250 | 2,011 |
| Average total loans | $243,639,500 | 1,979 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1165% | 3,264 |
| Cost of funding earning assets | 0.2696% | 2,032 |
| Net interest margin | 2.8469% | 3,300 |
| Noninterest income to average assets | 1.4666% | 344 |
| Noninterest expense to average assets | 3.2490% | 583 |
| Loan and lease loss provision to assets | 0.0838% | 1,185 |
| Net operating income to assets | 0.6877% | 3,349 |
| Return on assets (ROA) | 0.6877% | 3,306 |
| Pretax return on assets | 0.7785% | 3,380 |
| Return on Equity (ROE) | 8.1798% | 2,971 |
| Retained earnings to average equity (ytd only) | 8.1798% | 1,555 |
| Net charge-offs to loans | 0.0224% | 1,277 |
| Credit loss provision to net charge-offs | 740.7407% | 499 |
| Earnings coverage of net charge-offs (x) | 76.2593% | 958 |
| Efficiency ratio | 79.0262% | 1,016 |
| Assets per employee ($millions) | 5.1210% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 1,969 |
| Loan loss allowance to noncurrent loans | 342.5641% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,293 |
| Noncurrent loans to loans | 0.3933% | 1,950 |
| Net loans and leases to total assets | 51.3477% | 3,229 |
| Net loans and leases to deposits | 59.8666% | 3,058 |
| Net loans and leases to core deposits | 65.0985% | 2,891 |
| Total domestic deposits to total assets | 85.7702% | 3,309 |
| Equity capital to assets | 7.4771% | 3,495 |
| Core capital (leverage) ratio | 8.7885% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6666% | 2,623 |
| Memoranda: | ||
| Average total assets | $477,556,667 | 1,799 |
| Average earning assets | $443,640,667 | 1,805 |
| Average equity | $40,147,667 | 1,983 |
| Average total loans | $241,589,000 | 1,986 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9872% | 3,293 |
| Cost of funding earning assets | 0.2541% | 2,112 |
| Net interest margin | 2.7331% | 3,331 |
| Noninterest income to average assets | 1.3341% | 413 |
| Noninterest expense to average assets | 3.1735% | 624 |
| Loan and lease loss provision to assets | 0.0836% | 985 |
| Net operating income to assets | 0.5755% | 3,480 |
| Return on assets (ROA) | 0.5755% | 3,455 |
| Pretax return on assets | 0.6232% | 3,571 |
| Return on Equity (ROE) | 6.4880% | 3,194 |
| Retained earnings to average equity (ytd only) | 6.4880% | 2,078 |
| Net charge-offs to loans | -0.0050% | 3,341 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7849% | 998 |
| Assets per employee ($millions) | 5.2716% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 2,032 |
| Loan loss allowance to noncurrent loans | 728.2851% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,160 |
| Noncurrent loans to loans | 0.1880% | 2,878 |
| Net loans and leases to total assets | 48.5799% | 3,325 |
| Net loans and leases to deposits | 57.3640% | 3,139 |
| Net loans and leases to core deposits | 60.7443% | 3,084 |
| Total domestic deposits to total assets | 84.6871% | 3,615 |
| Equity capital to assets | 8.0963% | 3,495 |
| Core capital (leverage) ratio | 8.8187% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5513% | 2,758 |
| Memoranda: | ||
| Average total assets | $478,208,500 | 1,802 |
| Average earning assets | $445,505,000 | 1,808 |
| Average equity | $42,416,500 | 1,966 |
| Average total loans | $238,441,000 | 2,002 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 3,130 |
| Cost of funding earning assets | 0.2879% | 2,524 |
| Net interest margin | 3.0365% | 3,084 |
| Noninterest income to average assets | 2.4567% | 240 |
| Noninterest expense to average assets | 3.4695% | 501 |
| Loan and lease loss provision to assets | 0.0922% | 1,355 |
| Net operating income to assets | 1.4166% | 1,226 |
| Return on assets (ROA) | 1.5265% | 1,002 |
| Pretax return on assets | 1.8715% | 785 |
| Return on Equity (ROE) | 15.6869% | 806 |
| Retained earnings to average equity (ytd only) | 9.0021% | 1,205 |
| Net charge-offs to loans | 0.0295% | 1,650 |
| Credit loss provision to net charge-offs | 607.1429% | 718 |
| Earnings coverage of net charge-offs (x) | 120.5429% | 780 |
| Efficiency ratio | 65.4732% | 2,342 |
| Assets per employee ($millions) | 5.0691% | 3,672 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,233 |
| Loan loss allowance to noncurrent loans | 840.3183% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,386 |
| Noncurrent loans to loans | 0.1584% | 3,143 |
| Net loans and leases to total assets | 49.8140% | 3,303 |
| Net loans and leases to deposits | 59.6463% | 3,104 |
| Net loans and leases to core deposits | 64.2040% | 2,966 |
| Total domestic deposits to total assets | 83.5156% | 3,687 |
| Equity capital to assets | 9.6657% | 2,980 |
| Core capital (leverage) ratio | 8.8129% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8972% | 2,664 |
| Memoranda: | ||
| Average total assets | $461,187,000 | 1,810 |
| Average earning assets | $431,708,200 | 1,797 |
| Average equity | $44,878,200 | 1,928 |
| Average total loans | $237,102,800 | 2,006 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3775% | 3,172 |
| Cost of funding earning assets | 0.2980% | 2,609 |
| Net interest margin | 3.0795% | 3,100 |
| Noninterest income to average assets | 2.6417% | 230 |
| Noninterest expense to average assets | 3.5566% | 426 |
| Loan and lease loss provision to assets | 0.0800% | 1,483 |
| Net operating income to assets | 1.5241% | 1,213 |
| Return on assets (ROA) | 1.5707% | 1,146 |
| Pretax return on assets | 1.9466% | 873 |
| Return on Equity (ROE) | 16.1138% | 927 |
| Retained earnings to average equity (ytd only) | 11.6402% | 912 |
| Net charge-offs to loans | -0.0073% | 3,556 |
| Credit loss provision to net charge-offs | -2,115.3846% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3658% | 2,339 |
| Assets per employee ($millions) | 5.1443% | 3,558 |
| Cash dividends to net income (ytd only)* | 27.7624% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,211 |
| Loan loss allowance to noncurrent loans | 542.1329% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,299 |
| Noncurrent loans to loans | 0.2494% | 2,942 |
| Net loans and leases to total assets | 48.3329% | 3,598 |
| Net loans and leases to deposits | 58.3468% | 3,377 |
| Net loans and leases to core deposits | 67.5494% | 2,817 |
| Total domestic deposits to total assets | 82.8374% | 3,749 |
| Equity capital to assets | 9.7236% | 3,175 |
| Core capital (leverage) ratio | 8.9749% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0020% | 2,704 |
| Memoranda: | ||
| Average total assets | $458,626,750 | 1,836 |
| Average earning assets | $429,494,500 | 1,824 |
| Average equity | $44,706,000 | 1,958 |
| Average total loans | $236,877,250 | 2,045 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 2,911 |
| Cost of funding earning assets | 0.3181% | 2,609 |
| Net interest margin | 3.1749% | 2,833 |
| Noninterest income to average assets | 2.7489% | 215 |
| Noninterest expense to average assets | 3.5388% | 445 |
| Loan and lease loss provision to assets | 0.0549% | 1,936 |
| Net operating income to assets | 1.7023% | 866 |
| Return on assets (ROA) | 1.7613% | 822 |
| Pretax return on assets | 2.2048% | 571 |
| Return on Equity (ROE) | 18.0533% | 646 |
| Retained earnings to average equity (ytd only) | 13.5524% | 626 |
| Net charge-offs to loans | -0.0067% | 3,522 |
| Credit loss provision to net charge-offs | -1,562.5000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8164% | 2,753 |
| Assets per employee ($millions) | 5.0744% | 3,591 |
| Cash dividends to net income (ytd only)* | 24.9314% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,727 |
| Loan loss allowance to noncurrent loans | 352.2727% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,045 |
| Noncurrent loans to loans | 0.3520% | 2,644 |
| Net loans and leases to total assets | 51.3615% | 3,412 |
| Net loans and leases to deposits | 61.0926% | 3,292 |
| Net loans and leases to core deposits | 71.5784% | 2,640 |
| Total domestic deposits to total assets | 84.0716% | 3,415 |
| Equity capital to assets | 10.0510% | 2,808 |
| Core capital (leverage) ratio | 8.7555% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3568% | 2,594 |
| Memoranda: | ||
| Average total assets | $455,459,667 | 1,832 |
| Average earning assets | $426,914,667 | 1,825 |
| Average equity | $44,435,000 | 1,953 |
| Average total loans | $239,382,667 | 2,035 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 2,507 |
| Cost of funding earning assets | 0.3259% | 2,744 |
| Net interest margin | 3.3209% | 2,330 |
| Noninterest income to average assets | 2.9039% | 212 |
| Noninterest expense to average assets | 3.5555% | 434 |
| Loan and lease loss provision to assets | 0.0660% | 1,825 |
| Net operating income to assets | 1.8974% | 668 |
| Return on assets (ROA) | 1.9224% | 683 |
| Pretax return on assets | 2.4237% | 503 |
| Return on Equity (ROE) | 20.0087% | 532 |
| Retained earnings to average equity (ytd only) | 15.4321% | 584 |
| Net charge-offs to loans | -0.0083% | 3,600 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1255% | 3,139 |
| Assets per employee ($millions) | 5.2149% | 3,414 |
| Cash dividends to net income (ytd only)* | 22.8728% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,998 |
| Loan loss allowance to noncurrent loans | 1,011.5385% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,931 |
| Noncurrent loans to loans | 0.1172% | 3,724 |
| Net loans and leases to total assets | 52.5420% | 3,391 |
| Net loans and leases to deposits | 62.8559% | 3,236 |
| Net loans and leases to core deposits | 73.8795% | 2,527 |
| Total domestic deposits to total assets | 83.5912% | 3,548 |
| Equity capital to assets | 9.5184% | 3,184 |
| Core capital (leverage) ratio | 8.4558% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9834% | 2,674 |
| Memoranda: | ||
| Average total assets | $454,839,500 | 1,827 |
| Average earning assets | $425,904,500 | 1,817 |
| Average equity | $43,701,000 | 1,957 |
| Average total loans | $240,317,500 | 2,028 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 3,441 |
| Cost of funding earning assets | 0.5859% | 2,408 |
| Net interest margin | 3.1645% | 3,454 |
| Noninterest income to average assets | 3.0959% | 181 |
| Noninterest expense to average assets | 3.4973% | 693 |
| Loan and lease loss provision to assets | 0.1412% | 2,588 |
| Net operating income to assets | 1.9168% | 306 |
| Return on assets (ROA) | 1.9795% | 295 |
| Pretax return on assets | 2.4873% | 191 |
| Return on Equity (ROE) | 21.0137% | 187 |
| Retained earnings to average equity (ytd only) | 12.1940% | 300 |
| Net charge-offs to loans | 0.0532% | 2,027 |
| Credit loss provision to net charge-offs | 512.9310% | 1,230 |
| Earnings coverage of net charge-offs (x) | 92.6121% | 827 |
| Efficiency ratio | 57.7759% | 3,756 |
| Assets per employee ($millions) | 5.5650% | 2,776 |
| Cash dividends to net income (ytd only)* | 41.9715% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,006 |
| Loan loss allowance to noncurrent loans | 966.3230% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 3,416 |
| Noncurrent loans to loans | 0.1230% | 3,792 |
| Net loans and leases to total assets | 51.8690% | 3,673 |
| Net loans and leases to deposits | 61.8743% | 3,612 |
| Net loans and leases to core deposits | 78.1110% | 2,537 |
| Total domestic deposits to total assets | 83.8297% | 3,158 |
| Equity capital to assets | 9.6993% | 3,411 |
| Core capital (leverage) ratio | 8.1810% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,265,600 | 1,796 |
| Average earning assets | $392,916,000 | 1,787 |
| Average equity | $39,683,600 | 2,031 |
| Average total loans | $218,108,200 | 2,117 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 3,354 |
| Cost of funding earning assets | 0.6579% | 2,282 |
| Net interest margin | 3.2129% | 3,456 |
| Noninterest income to average assets | 2.9327% | 191 |
| Noninterest expense to average assets | 3.4607% | 742 |
| Loan and lease loss provision to assets | 0.0708% | 3,440 |
| Net operating income to assets | 1.9082% | 367 |
| Return on assets (ROA) | 1.9589% | 354 |
| Pretax return on assets | 2.4566% | 227 |
| Return on Equity (ROE) | 20.9643% | 207 |
| Retained earnings to average equity (ytd only) | 15.7931% | 169 |
| Net charge-offs to loans | 0.0693% | 1,625 |
| Credit loss provision to net charge-offs | 198.1982% | 2,122 |
| Earnings coverage of net charge-offs (x) | 68.9099% | 1,007 |
| Efficiency ratio | 58.3678% | 3,616 |
| Assets per employee ($millions) | 5.7726% | 2,479 |
| Cash dividends to net income (ytd only)* | 24.6670% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 3,895 |
| Loan loss allowance to noncurrent loans | 1,030.3797% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 3,141 |
| Noncurrent loans to loans | 0.0920% | 3,999 |
| Net loans and leases to total assets | 54.5745% | 3,749 |
| Net loans and leases to deposits | 66.0034% | 3,623 |
| Net loans and leases to core deposits | 90.8557% | 1,899 |
| Total domestic deposits to total assets | 82.6844% | 3,227 |
| Equity capital to assets | 9.1261% | 4,019 |
| Core capital (leverage) ratio | 8.3239% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3881% | 2,823 |
| Memoranda: | ||
| Average total assets | $413,890,500 | 1,799 |
| Average earning assets | $385,440,750 | 1,792 |
| Average equity | $38,674,250 | 2,059 |
| Average total loans | $213,480,250 | 2,146 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 2,879 |
| Cost of funding earning assets | 0.7875% | 1,890 |
| Net interest margin | 3.3729% | 3,178 |
| Noninterest income to average assets | 2.3480% | 243 |
| Noninterest expense to average assets | 3.3571% | 912 |
| Loan and lease loss provision to assets | 0.0732% | 3,383 |
| Net operating income to assets | 1.6631% | 664 |
| Return on assets (ROA) | 1.7187% | 657 |
| Pretax return on assets | 2.1253% | 417 |
| Return on Equity (ROE) | 18.2263% | 349 |
| Retained earnings to average equity (ytd only) | 12.8703% | 374 |
| Net charge-offs to loans | 0.0402% | 1,941 |
| Credit loss provision to net charge-offs | 362.5000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 105.4250% | 675 |
| Efficiency ratio | 61.1377% | 3,257 |
| Assets per employee ($millions) | 5.0960% | 3,069 |
| Cash dividends to net income (ytd only)* | 29.3858% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,290 |
| Loan loss allowance to noncurrent loans | 146.0479% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 2,406 |
| Noncurrent loans to loans | 0.7240% | 2,068 |
| Net loans and leases to total assets | 52.6910% | 3,976 |
| Net loans and leases to deposits | 63.1148% | 3,949 |
| Net loans and leases to core deposits | 84.7111% | 2,557 |
| Total domestic deposits to total assets | 83.4844% | 2,932 |
| Equity capital to assets | 9.2227% | 3,905 |
| Core capital (leverage) ratio | 8.3852% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8580% | 2,667 |
| Memoranda: | ||
| Average total assets | $395,993,000 | 1,822 |
| Average earning assets | $368,527,667 | 1,822 |
| Average equity | $37,341,667 | 2,107 |
| Average total loans | $198,766,000 | 2,232 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 4,225 |
| Cost of funding earning assets | 0.9925% | 1,451 |
| Net interest margin | 2.8135% | 4,557 |
| Noninterest income to average assets | 1.8028% | 304 |
| Noninterest expense to average assets | 3.2622% | 1,293 |
| Loan and lease loss provision to assets | 0.0477% | 3,183 |
| Net operating income to assets | 0.9500% | 2,351 |
| Return on assets (ROA) | 1.0164% | 2,229 |
| Pretax return on assets | 1.1711% | 2,299 |
| Return on Equity (ROE) | 10.6443% | 1,519 |
| Retained earnings to average equity (ytd only) | 10.6443% | 622 |
| Net charge-offs to loans | -0.0153% | 4,226 |
| Credit loss provision to net charge-offs | -642.8571% | 3,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9894% | 1,819 |
| Assets per employee ($millions) | 5.0678% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,296 |
| Loan loss allowance to noncurrent loans | 98.5945% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 2,155 |
| Noncurrent loans to loans | 1.2859% | 1,271 |
| Net loans and leases to total assets | 47.5981% | 4,358 |
| Net loans and leases to deposits | 57.4127% | 4,303 |
| Net loans and leases to core deposits | 75.5618% | 3,524 |
| Total domestic deposits to total assets | 82.9052% | 3,139 |
| Equity capital to assets | 9.3950% | 4,314 |
| Core capital (leverage) ratio | 8.9772% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9706% | 2,715 |
| Memoranda: | ||
| Average total assets | $377,409,000 | 1,861 |
| Average earning assets | $349,029,000 | 1,857 |
| Average equity | $36,038,000 | 2,137 |
| Average total loans | $182,811,000 | 2,332 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 4,177 |
| Cost of funding earning assets | 1.0535% | 1,499 |
| Net interest margin | 2.9829% | 4,538 |
| Noninterest income to average assets | 1.7651% | 316 |
| Noninterest expense to average assets | 3.1892% | 1,549 |
| Loan and lease loss provision to assets | 0.0688% | 2,635 |
| Net operating income to assets | 1.1080% | 2,412 |
| Return on assets (ROA) | 1.1620% | 2,306 |
| Pretax return on assets | 1.3475% | 2,338 |
| Return on Equity (ROE) | 12.1471% | 1,456 |
| Retained earnings to average equity (ytd only) | 6.1515% | 1,793 |
| Net charge-offs to loans | 0.0942% | 1,787 |
| Credit loss provision to net charge-offs | 150.9434% | 1,691 |
| Earnings coverage of net charge-offs (x) | 29.6855% | 1,591 |
| Efficiency ratio | 70.1345% | 2,151 |
| Assets per employee ($millions) | 4.6152% | 3,067 |
| Cash dividends to net income (ytd only)* | 49.3583% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,857 |
| Loan loss allowance to noncurrent loans | 167.1203% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 2,879 |
| Noncurrent loans to loans | 0.7865% | 1,934 |
| Net loans and leases to total assets | 48.0437% | 4,426 |
| Net loans and leases to deposits | 56.5228% | 4,437 |
| Net loans and leases to core deposits | 79.5928% | 3,333 |
| Total domestic deposits to total assets | 84.9989% | 2,493 |
| Equity capital to assets | 9.7134% | 4,176 |
| Core capital (leverage) ratio | 8.9913% | 4,534 |
| Tier 1 risk-based capital ratio | 12.5344% | 4,052 |
| Total risk-based capital ratio | 13.4402% | 4,135 |
| Memoranda: | ||
| Average total assets | $348,707,600 | 1,912 |
| Average earning assets | $324,720,600 | 1,904 |
| Average equity | $33,357,800 | 2,219 |
| Average total loans | $168,810,200 | 2,420 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 4,280 |
| Cost of funding earning assets | 1.0438% | 1,564 |
| Net interest margin | 2.9981% | 4,626 |
| Noninterest income to average assets | 1.7076% | 335 |
| Noninterest expense to average assets | 3.0964% | 1,721 |
| Loan and lease loss provision to assets | 0.0541% | 2,832 |
| Net operating income to assets | 1.1783% | 2,267 |
| Return on assets (ROA) | 1.2086% | 2,241 |
| Pretax return on assets | 1.3834% | 2,368 |
| Return on Equity (ROE) | 12.6861% | 1,390 |
| Retained earnings to average equity (ytd only) | 10.0474% | 735 |
| Net charge-offs to loans | -0.0352% | 4,748 |
| Credit loss provision to net charge-offs | -318.1818% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7527% | 2,296 |
| Assets per employee ($millions) | 4.5801% | 3,081 |
| Cash dividends to net income (ytd only)* | 20.8001% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 1,777 |
| Loan loss allowance to noncurrent loans | 173.0114% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 2,631 |
| Noncurrent loans to loans | 0.7785% | 2,021 |
| Net loans and leases to total assets | 49.3122% | 4,462 |
| Net loans and leases to deposits | 58.8958% | 4,436 |
| Net loans and leases to core deposits | 85.9897% | 2,907 |
| Total domestic deposits to total assets | 83.7279% | 2,923 |
| Equity capital to assets | 9.9459% | 4,074 |
| Core capital (leverage) ratio | 9.3869% | 4,293 |
| Tier 1 risk-based capital ratio | 12.8548% | 3,929 |
| Total risk-based capital ratio | 13.8123% | 3,982 |
| Memoranda: | ||
| Average total assets | $344,734,750 | 1,939 |
| Average earning assets | $320,993,250 | 1,930 |
| Average equity | $32,843,500 | 2,265 |
| Average total loans | $166,637,750 | 2,470 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 4,337 |
| Cost of funding earning assets | 1.0161% | 1,622 |
| Net interest margin | 3.0027% | 4,680 |
| Noninterest income to average assets | 1.5402% | 383 |
| Noninterest expense to average assets | 2.9501% | 2,136 |
| Loan and lease loss provision to assets | 0.0619% | 2,581 |
| Net operating income to assets | 1.1241% | 2,430 |
| Return on assets (ROA) | 1.1692% | 2,338 |
| Pretax return on assets | 1.3792% | 2,263 |
| Return on Equity (ROE) | 12.4671% | 1,423 |
| Retained earnings to average equity (ytd only) | 8.3785% | 1,249 |
| Net charge-offs to loans | -0.0049% | 4,120 |
| Credit loss provision to net charge-offs | -2,625.0000% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9358% | 2,539 |
| Assets per employee ($millions) | 4.4746% | 3,182 |
| Cash dividends to net income (ytd only)* | 32.7952% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 1,652 |
| Loan loss allowance to noncurrent loans | 158.7761% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,454 |
| Noncurrent loans to loans | 0.8762% | 1,850 |
| Net loans and leases to total assets | 48.5713% | 4,546 |
| Net loans and leases to deposits | 57.8188% | 4,526 |
| Net loans and leases to core deposits | 76.6590% | 3,673 |
| Total domestic deposits to total assets | 84.0061% | 2,858 |
| Equity capital to assets | 9.8946% | 4,065 |
| Core capital (leverage) ratio | 9.1785% | 4,488 |
| Tier 1 risk-based capital ratio | 13.3697% | 3,645 |
| Total risk-based capital ratio | 14.3700% | 3,682 |
| Memoranda: | ||
| Average total assets | $339,036,670 | 1,968 |
| Average earning assets | $315,917,000 | 1,959 |
| Average equity | $31,795,670 | 2,315 |
| Average total loans | $161,896,330 | 2,515 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 4,307 |
| Cost of funding earning assets | 0.9810% | 1,649 |
| Net interest margin | 3.0469% | 4,677 |
| Noninterest income to average assets | 1.1907% | 571 |
| Noninterest expense to average assets | 2.8309% | 2,468 |
| Loan and lease loss provision to assets | 0.0630% | 2,402 |
| Net operating income to assets | 0.9720% | 2,965 |
| Return on assets (ROA) | 1.0241% | 2,803 |
| Pretax return on assets | 1.1871% | 2,857 |
| Return on Equity (ROE) | 11.2373% | 1,850 |
| Retained earnings to average equity (ytd only) | 11.2373% | 756 |
| Net charge-offs to loans | 0.0025% | 2,659 |
| Credit loss provision to net charge-offs | 5,300.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,000.0000% | 53 |
| Efficiency ratio | 70.3254% | 2,287 |
| Assets per employee ($millions) | 4.6150% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,469 |
| Loan loss allowance to noncurrent loans | 188.3892% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,664 |
| Noncurrent loans to loans | 0.7760% | 2,094 |
| Net loans and leases to total assets | 46.0998% | 4,666 |
| Net loans and leases to deposits | 54.3555% | 4,663 |
| Net loans and leases to core deposits | 65.8647% | 4,285 |
| Total domestic deposits to total assets | 84.8117% | 2,744 |
| Equity capital to assets | 9.4245% | 4,325 |
| Core capital (leverage) ratio | 9.1551% | 4,519 |
| Tier 1 risk-based capital ratio | 13.8184% | 3,440 |
| Total risk-based capital ratio | 14.8427% | 3,471 |
| Memoranda: | ||
| Average total assets | $336,283,500 | 1,991 |
| Average earning assets | $312,321,500 | 1,989 |
| Average equity | $30,648,000 | 2,373 |
| Average total loans | $157,989,500 | 2,584 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 4,359 |
| Cost of funding earning assets | 0.6864% | 2,170 |
| Net interest margin | 3.1771% | 4,526 |
| Noninterest income to average assets | 1.2918% | 561 |
| Noninterest expense to average assets | 2.9254% | 2,256 |
| Loan and lease loss provision to assets | 0.0639% | 2,879 |
| Net operating income to assets | 1.0595% | 2,762 |
| Return on assets (ROA) | 1.0595% | 2,747 |
| Pretax return on assets | 1.2504% | 2,693 |
| Return on Equity (ROE) | 12.0420% | 1,702 |
| Retained earnings to average equity (ytd only) | 6.8515% | 1,735 |
| Net charge-offs to loans | 0.0706% | 2,106 |
| Credit loss provision to net charge-offs | 194.4444% | 1,479 |
| Earnings coverage of net charge-offs (x) | 39.9722% | 1,308 |
| Efficiency ratio | 68.9214% | 2,402 |
| Assets per employee ($millions) | 4.5361% | 3,113 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,552 |
| Loan loss allowance to noncurrent loans | 223.1913% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,662 |
| Noncurrent loans to loans | 0.6371% | 2,393 |
| Net loans and leases to total assets | 46.5082% | 4,716 |
| Net loans and leases to deposits | 54.7745% | 4,716 |
| Net loans and leases to core deposits | 74.7032% | 3,805 |
| Total domestic deposits to total assets | 84.9084% | 2,682 |
| Equity capital to assets | 8.8018% | 4,736 |
| Core capital (leverage) ratio | 9.0741% | 4,580 |
| Tier 1 risk-based capital ratio | 13.4631% | 3,570 |
| Total risk-based capital ratio | 14.4663% | 3,599 |
| Memoranda: | ||
| Average total assets | $328,466,000 | 2,001 |
| Average earning assets | $304,773,200 | 1,996 |
| Average equity | $28,898,800 | 2,400 |
| Average total loans | $152,905,200 | 2,613 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,439 |
| Cost of funding earning assets | 0.6065% | 2,423 |
| Net interest margin | 3.1928% | 4,525 |
| Noninterest income to average assets | 1.3049% | 562 |
| Noninterest expense to average assets | 2.9379% | 2,200 |
| Loan and lease loss provision to assets | 0.0645% | 2,682 |
| Net operating income to assets | 1.0739% | 2,768 |
| Return on assets (ROA) | 1.0739% | 2,777 |
| Pretax return on assets | 1.2653% | 2,746 |
| Return on Equity (ROE) | 12.2068% | 1,722 |
| Retained earnings to average equity (ytd only) | 9.8870% | 958 |
| Net charge-offs to loans | 0.0941% | 1,553 |
| Credit loss provision to net charge-offs | 147.6636% | 1,730 |
| Earnings coverage of net charge-offs (x) | 30.4492% | 1,592 |
| Efficiency ratio | 68.7643% | 2,393 |
| Assets per employee ($millions) | 4.5600% | 3,029 |
| Cash dividends to net income (ytd only)* | 19.0042% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,830 |
| Loan loss allowance to noncurrent loans | 210.8238% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 2,654 |
| Noncurrent loans to loans | 0.6473% | 2,472 |
| Net loans and leases to total assets | 47.7877% | 4,726 |
| Net loans and leases to deposits | 54.8483% | 4,792 |
| Net loans and leases to core deposits | 79.1424% | 3,562 |
| Total domestic deposits to total assets | 87.1270% | 1,674 |
| Equity capital to assets | 8.6721% | 4,816 |
| Core capital (leverage) ratio | 9.2415% | 4,469 |
| Tier 1 risk-based capital ratio | 13.5668% | 3,593 |
| Total risk-based capital ratio | 14.5500% | 3,651 |
| Memoranda: | ||
| Average total assets | $326,665,000 | 2,021 |
| Average earning assets | $303,137,000 | 2,020 |
| Average equity | $28,737,250 | 2,417 |
| Average total loans | $151,540,000 | 2,640 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,434 |
| Cost of funding earning assets | 0.5267% | 2,787 |
| Net interest margin | 3.2393% | 4,412 |
| Noninterest income to average assets | 1.3401% | 536 |
| Noninterest expense to average assets | 2.9175% | 2,299 |
| Loan and lease loss provision to assets | 0.0647% | 2,603 |
| Net operating income to assets | 1.1461% | 2,408 |
| Return on assets (ROA) | 1.1461% | 2,413 |
| Pretax return on assets | 1.3629% | 2,283 |
| Return on Equity (ROE) | 12.9645% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.4794% | 1,077 |
| Net charge-offs to loans | 0.1524% | 1,013 |
| Credit loss provision to net charge-offs | 92.9204% | 2,134 |
| Earnings coverage of net charge-offs (x) | 20.5044% | 1,806 |
| Efficiency ratio | 67.0732% | 2,806 |
| Assets per employee ($millions) | 4.3673% | 3,324 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,817 |
| Loan loss allowance to noncurrent loans | 610.2564% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 3,344 |
| Noncurrent loans to loans | 0.2263% | 3,908 |
| Net loans and leases to total assets | 46.7074% | 4,785 |
| Net loans and leases to deposits | 54.2680% | 4,835 |
| Net loans and leases to core deposits | 72.4291% | 3,983 |
| Total domestic deposits to total assets | 86.0680% | 2,249 |
| Equity capital to assets | 8.7984% | 4,721 |
| Core capital (leverage) ratio | 9.0924% | 4,593 |
| Tier 1 risk-based capital ratio | 13.9342% | 3,390 |
| Total risk-based capital ratio | 14.9427% | 3,422 |
| Memoranda: | ||
| Average total assets | $324,592,330 | 2,037 |
| Average earning assets | $301,117,000 | 2,040 |
| Average equity | $28,693,670 | 2,430 |
| Average total loans | $148,294,000 | 2,686 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,312 |
| Cost of funding earning assets | 0.4660% | 3,078 |
| Net interest margin | 3.2995% | 4,192 |
| Noninterest income to average assets | 1.1860% | 650 |
| Noninterest expense to average assets | 2.8844% | 2,427 |
| Loan and lease loss provision to assets | 0.0644% | 2,484 |
| Net operating income to assets | 1.0956% | 2,444 |
| Return on assets (ROA) | 1.0956% | 2,457 |
| Pretax return on assets | 1.2961% | 2,380 |
| Return on Equity (ROE) | 12.3642% | 1,448 |
| Retained earnings to average equity (ytd only) | 11.9591% | 687 |
| Net charge-offs to loans | 0.5273% | 282 |
| Credit loss provision to net charge-offs | 27.2251% | 2,089 |
| Earnings coverage of net charge-offs (x) | 5.7539% | 2,202 |
| Efficiency ratio | 67.8624% | 2,852 |
| Assets per employee ($millions) | 4.3267% | 3,438 |
| Cash dividends to net income (ytd only)* | 3.2768% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 1,883 |
| Loan loss allowance to noncurrent loans | 513.0102% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 3,308 |
| Noncurrent loans to loans | 0.2707% | 3,803 |
| Net loans and leases to total assets | 44.6026% | 4,869 |
| Net loans and leases to deposits | 52.6979% | 4,850 |
| Net loans and leases to core deposits | 62.4654% | 4,523 |
| Total domestic deposits to total assets | 84.6384% | 3,057 |
| Equity capital to assets | 8.8945% | 4,666 |
| Core capital (leverage) ratio | 9.0398% | 4,635 |
| Tier 1 risk-based capital ratio | 13.5800% | 3,612 |
| Total risk-based capital ratio | 14.5178% | 3,704 |
| Memoranda: | ||
| Average total assets | $323,114,500 | 2,060 |
| Average earning assets | $299,558,500 | 2,062 |
| Average equity | $28,631,000 | 2,458 |
| Average total loans | $144,875,500 | 2,745 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 4,682 |
| Cost of funding earning assets | 0.4271% | 2,980 |
| Net interest margin | 3.1289% | 4,632 |
| Noninterest income to average assets | 1.4598% | 497 |
| Noninterest expense to average assets | 2.8890% | 2,493 |
| Loan and lease loss provision to assets | 0.0479% | 3,267 |
| Net operating income to assets | 0.8848% | 2,791 |
| Return on assets (ROA) | 0.8927% | 2,779 |
| Pretax return on assets | 1.4288% | 1,893 |
| Return on Equity (ROE) | 9.7009% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.1904% | 2,011 |
| Net charge-offs to loans | 0.2387% | 1,091 |
| Credit loss provision to net charge-offs | 47.9233% | 3,354 |
| Earnings coverage of net charge-offs (x) | 14.6518% | 2,314 |
| Efficiency ratio | 66.2828% | 3,209 |
| Assets per employee ($millions) | 4.7949% | 2,740 |
| Cash dividends to net income (ytd only)* | 46.4950% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 1,465 |
| Loan loss allowance to noncurrent loans | 259.0361% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,756 |
| Noncurrent loans to loans | 0.5727% | 2,786 |
| Net loans and leases to total assets | 43.7914% | 4,985 |
| Net loans and leases to deposits | 51.1464% | 5,017 |
| Net loans and leases to core deposits | 63.3959% | 4,573 |
| Total domestic deposits to total assets | 85.6196% | 2,608 |
| Equity capital to assets | 8.8280% | 4,873 |
| Core capital (leverage) ratio | 8.8958% | 4,760 |
| Tier 1 risk-based capital ratio | 13.9104% | 3,412 |
| Total risk-based capital ratio | 14.9685% | 3,426 |
| Memoranda: | ||
| Average total assets | $313,192,800 | 2,098 |
| Average earning assets | $289,624,000 | 2,101 |
| Average equity | $28,822,200 | 2,443 |
| Average total loans | $131,140,800 | 2,896 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,728 |
| Cost of funding earning assets | 0.4100% | 3,087 |
| Net interest margin | 3.1246% | 4,641 |
| Noninterest income to average assets | 1.3863% | 548 |
| Noninterest expense to average assets | 2.9287% | 2,308 |
| Loan and lease loss provision to assets | 0.0422% | 3,264 |
| Net operating income to assets | 1.0231% | 2,455 |
| Return on assets (ROA) | 1.0271% | 2,474 |
| Pretax return on assets | 1.3085% | 2,444 |
| Return on Equity (ROE) | 11.0431% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.6558% | 663 |
| Net charge-offs to loans | 0.2861% | 753 |
| Credit loss provision to net charge-offs | 35.7664% | 3,033 |
| Earnings coverage of net charge-offs (x) | 11.4162% | 2,508 |
| Efficiency ratio | 68.4412% | 2,793 |
| Assets per employee ($millions) | 4.3146% | 3,450 |
| Cash dividends to net income (ytd only)* | 12.5628% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 1,192 |
| Loan loss allowance to noncurrent loans | 245.3502% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,699 |
| Noncurrent loans to loans | 0.6601% | 2,721 |
| Net loans and leases to total assets | 41.2172% | 5,148 |
| Net loans and leases to deposits | 48.1941% | 5,182 |
| Net loans and leases to core deposits | 60.7000% | 4,783 |
| Total domestic deposits to total assets | 85.5234% | 2,510 |
| Equity capital to assets | 9.6783% | 4,270 |
| Core capital (leverage) ratio | 9.2118% | 4,505 |
| Tier 1 risk-based capital ratio | 14.6108% | 3,125 |
| Total risk-based capital ratio | 15.6928% | 3,128 |
| Memoranda: | ||
| Average total assets | $309,977,250 | 2,127 |
| Average earning assets | $286,496,250 | 2,132 |
| Average equity | $28,831,750 | 2,454 |
| Average total loans | $127,692,500 | 2,969 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 4,793 |
| Cost of funding earning assets | 0.3769% | 3,314 |
| Net interest margin | 3.1117% | 4,650 |
| Noninterest income to average assets | 1.3058% | 612 |
| Noninterest expense to average assets | 2.8594% | 2,546 |
| Loan and lease loss provision to assets | 0.0292% | 3,414 |
| Net operating income to assets | 1.0148% | 2,356 |
| Return on assets (ROA) | 1.0158% | 2,392 |
| Pretax return on assets | 1.3000% | 2,384 |
| Return on Equity (ROE) | 11.0744% | 1,617 |
| Retained earnings to average equity (ytd only) | 8.9529% | 857 |
| Net charge-offs to loans | 0.4419% | 455 |
| Credit loss provision to net charge-offs | 16.1290% | 2,814 |
| Earnings coverage of net charge-offs (x) | 7.3369% | 2,614 |
| Efficiency ratio | 68.2107% | 2,969 |
| Assets per employee ($millions) | 4.3193% | 3,400 |
| Cash dividends to net income (ytd only)* | 19.1571% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 1,218 |
| Loan loss allowance to noncurrent loans | 202.0408% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 2,200 |
| Noncurrent loans to loans | 0.8018% | 2,398 |
| Net loans and leases to total assets | 40.0443% | 5,225 |
| Net loans and leases to deposits | 46.9938% | 5,251 |
| Net loans and leases to core deposits | 58.2030% | 4,911 |
| Total domestic deposits to total assets | 85.2118% | 2,731 |
| Equity capital to assets | 9.4581% | 4,444 |
| Core capital (leverage) ratio | 9.0491% | 4,667 |
| Tier 1 risk-based capital ratio | 15.2611% | 2,823 |
| Total risk-based capital ratio | 16.3929% | 2,800 |
| Memoranda: | ||
| Average total assets | $308,315,330 | 2,145 |
| Average earning assets | $285,505,000 | 2,140 |
| Average equity | $28,281,330 | 2,491 |
| Average total loans | $126,271,330 | 3,000 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 4,619 |
| Cost of funding earning assets | 0.3645% | 3,369 |
| Net interest margin | 3.1621% | 4,465 |
| Noninterest income to average assets | 0.9907% | 1,024 |
| Noninterest expense to average assets | 2.7793% | 2,867 |
| Loan and lease loss provision to assets | 0.0289% | 3,193 |
| Net operating income to assets | 0.8831% | 2,846 |
| Return on assets (ROA) | 0.8831% | 2,897 |
| Pretax return on assets | 1.0970% | 3,001 |
| Return on Equity (ROE) | 9.7852% | 2,068 |
| Retained earnings to average equity (ytd only) | 9.7852% | 865 |
| Net charge-offs to loans | 0.1278% | 1,156 |
| Credit loss provision to net charge-offs | 55.0000% | 1,945 |
| Earnings coverage of net charge-offs (x) | 21.4500% | 1,442 |
| Efficiency ratio | 71.1022% | 2,718 |
| Assets per employee ($millions) | 4.4856% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 836 |
| Loan loss allowance to noncurrent loans | 247.8402% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 2,219 |
| Noncurrent loans to loans | 0.7551% | 2,599 |
| Net loans and leases to total assets | 39.4535% | 5,268 |
| Net loans and leases to deposits | 45.4484% | 5,318 |
| Net loans and leases to core deposits | 53.6704% | 5,078 |
| Total domestic deposits to total assets | 86.8095% | 2,305 |
| Equity capital to assets | 9.2223% | 4,595 |
| Core capital (leverage) ratio | 8.8930% | 4,851 |
| Tier 1 risk-based capital ratio | 15.6926% | 2,665 |
| Total risk-based capital ratio | 16.9434% | 2,611 |
| Memoranda: | ||
| Average total assets | $304,820,000 | 2,185 |
| Average earning assets | $280,951,500 | 2,186 |
| Average equity | $27,511,000 | 2,544 |
| Average total loans | $125,236,500 | 3,037 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,591 |
| Cost of funding earning assets | 0.3764% | 3,243 |
| Net interest margin | 3.1930% | 4,472 |
| Noninterest income to average assets | 1.6673% | 430 |
| Noninterest expense to average assets | 3.0379% | 2,229 |
| Loan and lease loss provision to assets | 0.0303% | 3,749 |
| Net operating income to assets | 1.1441% | 1,717 |
| Return on assets (ROA) | 1.1463% | 1,804 |
| Pretax return on assets | 1.5396% | 1,463 |
| Return on Equity (ROE) | 12.0400% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.5963% | 1,948 |
| Net charge-offs to loans | 0.2753% | 1,001 |
| Credit loss provision to net charge-offs | 25.2809% | 3,630 |
| Earnings coverage of net charge-offs (x) | 13.0927% | 2,397 |
| Efficiency ratio | 65.8928% | 3,603 |
| Assets per employee ($millions) | 4.4797% | 3,145 |
| Cash dividends to net income (ytd only)* | 53.5191% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 928 |
| Loan loss allowance to noncurrent loans | 218.6200% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,218 |
| Noncurrent loans to loans | 0.8276% | 2,456 |
| Net loans and leases to total assets | 41.2067% | 5,270 |
| Net loans and leases to deposits | 47.2221% | 5,328 |
| Net loans and leases to core deposits | 58.2776% | 4,949 |
| Total domestic deposits to total assets | 87.2614% | 1,997 |
| Equity capital to assets | 8.8281% | 4,985 |
| Core capital (leverage) ratio | 8.6803% | 5,096 |
| Tier 1 risk-based capital ratio | 15.2531% | 2,860 |
| Total risk-based capital ratio | 16.5037% | 2,796 |
| Memoranda: | ||
| Average total assets | $297,478,200 | 2,181 |
| Average earning assets | $273,657,800 | 2,186 |
| Average equity | $28,322,200 | 2,491 |
| Average total loans | $129,306,600 | 2,930 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,651 |
| Cost of funding earning assets | 0.3840% | 3,186 |
| Net interest margin | 3.1767% | 4,557 |
| Noninterest income to average assets | 1.7504% | 416 |
| Noninterest expense to average assets | 3.0337% | 2,218 |
| Loan and lease loss provision to assets | 0.0307% | 3,622 |
| Net operating income to assets | 1.1864% | 1,685 |
| Return on assets (ROA) | 1.1890% | 1,772 |
| Pretax return on assets | 1.6138% | 1,347 |
| Return on Equity (ROE) | 12.2592% | 1,247 |
| Retained earnings to average equity (ytd only) | 9.8185% | 610 |
| Net charge-offs to loans | 0.1553% | 1,447 |
| Credit loss provision to net charge-offs | 45.0331% | 3,095 |
| Earnings coverage of net charge-offs (x) | 24.0991% | 1,689 |
| Efficiency ratio | 64.8211% | 3,788 |
| Assets per employee ($millions) | 4.4265% | 3,202 |
| Cash dividends to net income (ytd only)* | 19.9089% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 959 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 2,152 |
| Noncurrent loans to loans | 0.9853% | 2,272 |
| Net loans and leases to total assets | 43.2153% | 5,245 |
| Net loans and leases to deposits | 50.4005% | 5,277 |
| Net loans and leases to core deposits | 65.0531% | 4,666 |
| Total domestic deposits to total assets | 85.7438% | 2,484 |
| Equity capital to assets | 9.7209% | 4,449 |
| Core capital (leverage) ratio | 8.9428% | 4,891 |
| Tier 1 risk-based capital ratio | 15.3567% | 2,890 |
| Total risk-based capital ratio | 16.6084% | 2,819 |
| Memoranda: | ||
| Average total assets | $295,693,250 | 2,196 |
| Average earning assets | $272,181,250 | 2,202 |
| Average equity | $28,679,750 | 2,482 |
| Average total loans | $129,674,250 | 2,934 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 4,666 |
| Cost of funding earning assets | 0.3968% | 3,075 |
| Net interest margin | 3.1782% | 4,615 |
| Noninterest income to average assets | 1.5211% | 521 |
| Noninterest expense to average assets | 2.9515% | 2,512 |
| Loan and lease loss provision to assets | 0.0309% | 3,509 |
| Net operating income to assets | 1.0936% | 1,978 |
| Return on assets (ROA) | 1.0936% | 2,106 |
| Pretax return on assets | 1.4565% | 1,815 |
| Return on Equity (ROE) | 11.2840% | 1,546 |
| Retained earnings to average equity (ytd only) | 7.5605% | 1,356 |
| Net charge-offs to loans | 0.3437% | 684 |
| Credit loss provision to net charge-offs | 20.5479% | 2,926 |
| Earnings coverage of net charge-offs (x) | 9.8813% | 2,369 |
| Efficiency ratio | 66.4138% | 3,612 |
| Assets per employee ($millions) | 4.6258% | 2,832 |
| Cash dividends to net income (ytd only)* | 32.9981% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 1,138 |
| Loan loss allowance to noncurrent loans | 205.7314% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 2,198 |
| Noncurrent loans to loans | 0.8602% | 2,587 |
| Net loans and leases to total assets | 43.7232% | 5,250 |
| Net loans and leases to deposits | 52.8174% | 5,213 |
| Net loans and leases to core deposits | 65.3899% | 4,652 |
| Total domestic deposits to total assets | 82.7818% | 3,729 |
| Equity capital to assets | 9.5862% | 4,687 |
| Core capital (leverage) ratio | 8.9408% | 4,894 |
| Tier 1 risk-based capital ratio | 13.9836% | 3,614 |
| Total risk-based capital ratio | 15.2339% | 3,534 |
| Memoranda: | ||
| Average total assets | $290,971,670 | 2,239 |
| Average earning assets | $267,131,330 | 2,252 |
| Average equity | $28,199,330 | 2,518 |
| Average total loans | $127,431,670 | 2,976 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 4,633 |
| Cost of funding earning assets | 0.4282% | 2,781 |
| Net interest margin | 3.1640% | 4,692 |
| Noninterest income to average assets | 1.1952% | 769 |
| Noninterest expense to average assets | 2.8470% | 2,898 |
| Loan and lease loss provision to assets | 0.0310% | 3,251 |
| Net operating income to assets | 0.9471% | 2,521 |
| Return on assets (ROA) | 0.9471% | 2,638 |
| Pretax return on assets | 1.2121% | 2,652 |
| Return on Equity (ROE) | 9.7161% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.7161% | 920 |
| Net charge-offs to loans | 0.7338% | 286 |
| Credit loss provision to net charge-offs | 9.7345% | 2,361 |
| Earnings coverage of net charge-offs (x) | 3.9027% | 2,488 |
| Efficiency ratio | 69.5038% | 3,214 |
| Assets per employee ($millions) | 4.4875% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 929 |
| Loan loss allowance to noncurrent loans | 337.3580% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9391% | 2,364 |
| Noncurrent loans to loans | 0.5708% | 3,480 |
| Net loans and leases to total assets | 42.1157% | 5,346 |
| Net loans and leases to deposits | 48.9445% | 5,385 |
| Net loans and leases to core deposits | 54.2413% | 5,239 |
| Total domestic deposits to total assets | 86.0478% | 2,651 |
| Equity capital to assets | 9.8300% | 4,303 |
| Core capital (leverage) ratio | 9.0417% | 4,800 |
| Tier 1 risk-based capital ratio | 15.2041% | 3,062 |
| Total risk-based capital ratio | 16.4555% | 2,997 |
| Memoranda: | ||
| Average total assets | $283,805,000 | 2,288 |
| Average earning assets | $259,674,500 | 2,309 |
| Average equity | $27,665,500 | 2,551 |
| Average total loans | $123,200,500 | 3,038 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 4,406 |
| Cost of funding earning assets | 0.4418% | 2,723 |
| Net interest margin | 3.2457% | 4,485 |
| Noninterest income to average assets | 1.3740% | 638 |
| Noninterest expense to average assets | 2.9877% | 2,592 |
| Loan and lease loss provision to assets | 0.0629% | 3,036 |
| Net operating income to assets | 0.9983% | 2,369 |
| Return on assets (ROA) | 0.9983% | 2,470 |
| Pretax return on assets | 1.2895% | 2,325 |
| Return on Equity (ROE) | 10.4106% | 1,838 |
| Retained earnings to average equity (ytd only) | 4.6936% | 2,649 |
| Net charge-offs to loans | 0.1584% | 1,795 |
| Credit loss provision to net charge-offs | 87.0647% | 2,813 |
| Earnings coverage of net charge-offs (x) | 18.7164% | 1,993 |
| Efficiency ratio | 68.7484% | 3,442 |
| Assets per employee ($millions) | 4.5227% | 3,006 |
| Cash dividends to net income (ytd only)* | 54.9154% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0956% | 690 |
| Loan loss allowance to noncurrent loans | 307.3897% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 2,078 |
| Noncurrent loans to loans | 0.6817% | 3,160 |
| Net loans and leases to total assets | 42.9695% | 5,352 |
| Net loans and leases to deposits | 50.2701% | 5,375 |
| Net loans and leases to core deposits | 58.2077% | 5,092 |
| Total domestic deposits to total assets | 85.4772% | 2,873 |
| Equity capital to assets | 9.6641% | 4,352 |
| Core capital (leverage) ratio | 9.0883% | 4,767 |
| Tier 1 risk-based capital ratio | 15.6900% | 2,839 |
| Total risk-based capital ratio | 16.9443% | 2,770 |
| Memoranda: | ||
| Average total assets | $278,173,600 | 2,288 |
| Average earning assets | $254,212,800 | 2,312 |
| Average equity | $26,674,800 | 2,580 |
| Average total loans | $126,911,200 | 2,935 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 4,426 |
| Cost of funding earning assets | 0.4465% | 2,722 |
| Net interest margin | 3.2510% | 4,524 |
| Noninterest income to average assets | 1.4643% | 572 |
| Noninterest expense to average assets | 3.0012% | 2,521 |
| Loan and lease loss provision to assets | 0.0840% | 2,493 |
| Net operating income to assets | 1.0364% | 2,292 |
| Return on assets (ROA) | 1.0364% | 2,389 |
| Pretax return on assets | 1.3476% | 2,221 |
| Return on Equity (ROE) | 10.8295% | 1,773 |
| Retained earnings to average equity (ytd only) | 8.1949% | 1,172 |
| Net charge-offs to loans | 0.0907% | 2,262 |
| Credit loss provision to net charge-offs | 201.1494% | 1,326 |
| Earnings coverage of net charge-offs (x) | 34.2635% | 1,373 |
| Efficiency ratio | 67.6165% | 3,614 |
| Assets per employee ($millions) | 4.4109% | 3,156 |
| Cash dividends to net income (ytd only)* | 24.3280% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0895% | 790 |
| Loan loss allowance to noncurrent loans | 333.2921% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 1,992 |
| Noncurrent loans to loans | 0.6269% | 3,442 |
| Net loans and leases to total assets | 45.4105% | 5,267 |
| Net loans and leases to deposits | 53.4258% | 5,293 |
| Net loans and leases to core deposits | 65.6390% | 4,718 |
| Total domestic deposits to total assets | 84.9974% | 3,006 |
| Equity capital to assets | 9.8346% | 4,358 |
| Core capital (leverage) ratio | 9.2603% | 4,645 |
| Tier 1 risk-based capital ratio | 14.5991% | 3,500 |
| Total risk-based capital ratio | 15.8523% | 3,422 |
| Memoranda: | ||
| Average total assets | $277,615,000 | 2,304 |
| Average earning assets | $253,493,250 | 2,333 |
| Average equity | $26,568,750 | 2,601 |
| Average total loans | $127,871,750 | 2,943 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 4,393 |
| Cost of funding earning assets | 0.4524% | 2,699 |
| Net interest margin | 3.2522% | 4,488 |
| Noninterest income to average assets | 1.4341% | 618 |
| Noninterest expense to average assets | 3.0023% | 2,544 |
| Loan and lease loss provision to assets | 0.1081% | 2,024 |
| Net operating income to assets | 1.0024% | 2,378 |
| Return on assets (ROA) | 1.0024% | 2,484 |
| Pretax return on assets | 1.2921% | 2,393 |
| Return on Equity (ROE) | 10.5718% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.5817% | 1,907 |
| Net charge-offs to loans | -0.0643% | 5,637 |
| Credit loss provision to net charge-offs | -365.8537% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1126% | 3,652 |
| Assets per employee ($millions) | 4.1610% | 3,545 |
| Cash dividends to net income (ytd only)* | 37.7426% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2268% | 709 |
| Loan loss allowance to noncurrent loans | 312.7517% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 2,197 |
| Noncurrent loans to loans | 0.7120% | 3,355 |
| Net loans and leases to total assets | 44.7031% | 5,335 |
| Net loans and leases to deposits | 52.1288% | 5,375 |
| Net loans and leases to core deposits | 60.5010% | 5,041 |
| Total domestic deposits to total assets | 85.7550% | 2,819 |
| Equity capital to assets | 9.5626% | 4,579 |
| Core capital (leverage) ratio | 8.9032% | 5,096 |
| Tier 1 risk-based capital ratio | 14.5539% | 3,604 |
| Total risk-based capital ratio | 15.8084% | 3,530 |
| Memoranda: | ||
| Average total assets | $277,525,000 | 2,324 |
| Average earning assets | $253,306,330 | 2,344 |
| Average equity | $26,315,330 | 2,633 |
| Average total loans | $127,535,000 | 2,955 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,442 |
| Cost of funding earning assets | 0.4473% | 2,795 |
| Net interest margin | 3.2306% | 4,483 |
| Noninterest income to average assets | 1.1700% | 837 |
| Noninterest expense to average assets | 2.8633% | 3,023 |
| Loan and lease loss provision to assets | 0.1075% | 1,911 |
| Net operating income to assets | 0.9076% | 2,710 |
| Return on assets (ROA) | 0.9076% | 2,835 |
| Pretax return on assets | 1.1399% | 2,906 |
| Return on Equity (ROE) | 9.6118% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.6118% | 1,018 |
| Net charge-offs to loans | -0.0809% | 5,754 |
| Credit loss provision to net charge-offs | -288.4615% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5501% | 3,568 |
| Assets per employee ($millions) | 4.4174% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 972 |
| Loan loss allowance to noncurrent loans | 334.9010% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 2,179 |
| Noncurrent loans to loans | 0.6165% | 3,726 |
| Net loans and leases to total assets | 45.4012% | 5,245 |
| Net loans and leases to deposits | 52.4358% | 5,306 |
| Net loans and leases to core deposits | 58.2870% | 5,104 |
| Total domestic deposits to total assets | 86.5843% | 2,617 |
| Equity capital to assets | 9.5040% | 4,749 |
| Core capital (leverage) ratio | 8.7874% | 5,222 |
| Tier 1 risk-based capital ratio | 14.6911% | 3,611 |
| Total risk-based capital ratio | 15.9462% | 3,531 |
| Memoranda: | ||
| Average total assets | $278,976,000 | 2,321 |
| Average earning assets | $253,946,500 | 2,359 |
| Average equity | $26,342,500 | 2,642 |
| Average total loans | $128,522,000 | 2,935 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,590 |
| Cost of funding earning assets | 0.4549% | 3,122 |
| Net interest margin | 3.3121% | 4,529 |
| Noninterest income to average assets | 1.7976% | 402 |
| Noninterest expense to average assets | 3.3671% | 1,767 |
| Loan and lease loss provision to assets | 0.2169% | 1,143 |
| Net operating income to assets | 0.9557% | 2,599 |
| Return on assets (ROA) | 0.9557% | 2,681 |
| Pretax return on assets | 1.2272% | 2,538 |
| Return on Equity (ROE) | 10.7661% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.8798% | 1,999 |
| Net charge-offs to loans | 0.4684% | 892 |
| Credit loss provision to net charge-offs | 96.6184% | 2,504 |
| Earnings coverage of net charge-offs (x) | 6.4332% | 3,199 |
| Efficiency ratio | 69.9023% | 3,547 |
| Assets per employee ($millions) | 4.3006% | 3,364 |
| Cash dividends to net income (ytd only)* | 45.3858% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 997 |
| Loan loss allowance to noncurrent loans | 328.0856% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 2,068 |
| Noncurrent loans to loans | 0.6302% | 3,801 |
| Net loans and leases to total assets | 44.8258% | 5,416 |
| Net loans and leases to deposits | 51.5269% | 5,512 |
| Net loans and leases to core deposits | 61.5168% | 5,037 |
| Total domestic deposits to total assets | 86.9949% | 2,293 |
| Equity capital to assets | 9.3795% | 4,876 |
| Core capital (leverage) ratio | 8.6235% | 5,418 |
| Tier 1 risk-based capital ratio | 14.9493% | 3,516 |
| Total risk-based capital ratio | 16.2037% | 3,452 |
| Memoranda: | ||
| Average total assets | $276,643,600 | 2,308 |
| Average earning assets | $251,714,400 | 2,334 |
| Average equity | $24,558,600 | 2,709 |
| Average total loans | $132,576,000 | 2,818 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,731 |
| Cost of funding earning assets | 0.4592% | 3,155 |
| Net interest margin | 3.2831% | 4,671 |
| Noninterest income to average assets | 2.0269% | 339 |
| Noninterest expense to average assets | 3.4450% | 1,573 |
| Loan and lease loss provision to assets | 0.2166% | 1,060 |
| Net operating income to assets | 1.0320% | 2,313 |
| Return on assets (ROA) | 1.0320% | 2,372 |
| Pretax return on assets | 1.3526% | 2,184 |
| Return on Equity (ROE) | 11.7908% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.2409% | 481 |
| Net charge-offs to loans | 0.3606% | 1,114 |
| Credit loss provision to net charge-offs | 123.9669% | 1,855 |
| Earnings coverage of net charge-offs (x) | 8.9807% | 2,729 |
| Efficiency ratio | 68.6282% | 3,744 |
| Assets per employee ($millions) | 4.4631% | 3,033 |
| Cash dividends to net income (ytd only)* | 4.6642% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0072% | 1,245 |
| Loan loss allowance to noncurrent loans | 256.9129% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 2,220 |
| Noncurrent loans to loans | 0.7813% | 3,630 |
| Net loans and leases to total assets | 47.1059% | 5,284 |
| Net loans and leases to deposits | 54.9737% | 5,309 |
| Net loans and leases to core deposits | 67.9236% | 4,515 |
| Total domestic deposits to total assets | 85.6880% | 3,023 |
| Equity capital to assets | 9.2885% | 5,046 |
| Core capital (leverage) ratio | 8.7449% | 5,387 |
| Tier 1 risk-based capital ratio | 14.7787% | 3,712 |
| Total risk-based capital ratio | 16.0332% | 3,654 |
| Memoranda: | ||
| Average total assets | $276,994,750 | 2,313 |
| Average earning assets | $252,029,500 | 2,342 |
| Average equity | $24,244,250 | 2,742 |
| Average total loans | $134,224,250 | 2,803 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,785 |
| Cost of funding earning assets | 0.4629% | 3,187 |
| Net interest margin | 3.2611% | 4,733 |
| Noninterest income to average assets | 1.8745% | 382 |
| Noninterest expense to average assets | 3.3737% | 1,742 |
| Loan and lease loss provision to assets | 0.2177% | 1,072 |
| Net operating income to assets | 0.9644% | 2,481 |
| Return on assets (ROA) | 0.9644% | 2,570 |
| Pretax return on assets | 1.2482% | 2,461 |
| Return on Equity (ROE) | 11.2532% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.2532% | 504 |
| Net charge-offs to loans | 0.1045% | 2,634 |
| Credit loss provision to net charge-offs | 428.5714% | 652 |
| Earnings coverage of net charge-offs (x) | 28.8571% | 1,292 |
| Efficiency ratio | 69.6356% | 3,716 |
| Assets per employee ($millions) | 4.2702% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 1,242 |
| Loan loss allowance to noncurrent loans | 277.8210% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4002% | 2,336 |
| Noncurrent loans to loans | 0.7448% | 3,836 |
| Net loans and leases to total assets | 47.2466% | 5,239 |
| Net loans and leases to deposits | 55.3436% | 5,250 |
| Net loans and leases to core deposits | 64.2687% | 4,798 |
| Total domestic deposits to total assets | 85.3697% | 3,337 |
| Equity capital to assets | 8.7629% | 5,557 |
| Core capital (leverage) ratio | 8.4099% | 5,735 |
| Tier 1 risk-based capital ratio | 14.2434% | 4,104 |
| Total risk-based capital ratio | 15.4991% | 4,030 |
| Memoranda: | ||
| Average total assets | $275,600,670 | 2,329 |
| Average earning assets | $250,588,330 | 2,352 |
| Average equity | $23,620,000 | 2,787 |
| Average total loans | $133,911,000 | 2,811 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,793 |
| Cost of funding earning assets | 0.4701% | 3,230 |
| Net interest margin | 3.2453% | 4,755 |
| Noninterest income to average assets | 1.5669% | 491 |
| Noninterest expense to average assets | 3.3350% | 1,864 |
| Loan and lease loss provision to assets | 0.2219% | 1,018 |
| Net operating income to assets | 0.7753% | 3,277 |
| Return on assets (ROA) | 0.7753% | 3,359 |
| Pretax return on assets | 0.9514% | 3,507 |
| Return on Equity (ROE) | 9.1550% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.1550% | 1,206 |
| Net charge-offs to loans | 0.0212% | 3,153 |
| Credit loss provision to net charge-offs | 2,142.8571% | 164 |
| Earnings coverage of net charge-offs (x) | 113.2857% | 413 |
| Efficiency ratio | 73.8759% | 3,166 |
| Assets per employee ($millions) | 4.2224% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0851% | 1,355 |
| Loan loss allowance to noncurrent loans | 221.3429% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 2,164 |
| Noncurrent loans to loans | 0.9420% | 3,533 |
| Net loans and leases to total assets | 46.6605% | 5,261 |
| Net loans and leases to deposits | 52.4966% | 5,425 |
| Net loans and leases to core deposits | 54.9716% | 5,437 |
| Total domestic deposits to total assets | 88.8828% | 1,735 |
| Equity capital to assets | 8.4338% | 5,709 |
| Core capital (leverage) ratio | 8.3437% | 5,804 |
| Tier 1 risk-based capital ratio | 14.1197% | 4,250 |
| Total risk-based capital ratio | 15.3751% | 4,196 |
| Memoranda: | ||
| Average total assets | $270,348,500 | 2,378 |
| Average earning assets | $245,034,500 | 2,400 |
| Average equity | $22,894,500 | 2,857 |
| Average total loans | $131,851,000 | 2,850 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 4,585 |
| Cost of funding earning assets | 0.5172% | 3,431 |
| Net interest margin | 3.3502% | 4,483 |
| Noninterest income to average assets | 1.9563% | 405 |
| Noninterest expense to average assets | 3.5684% | 1,510 |
| Loan and lease loss provision to assets | 0.2591% | 1,382 |
| Net operating income to assets | 0.8849% | 2,854 |
| Return on assets (ROA) | 0.9123% | 2,806 |
| Pretax return on assets | 1.1924% | 2,604 |
| Return on Equity (ROE) | 10.8145% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.4273% | 1,726 |
| Net charge-offs to loans | 0.6088% | 1,078 |
| Credit loss provision to net charge-offs | 81.7757% | 2,996 |
| Earnings coverage of net charge-offs (x) | 4.4696% | 3,559 |
| Efficiency ratio | 71.5102% | 3,565 |
| Assets per employee ($millions) | 4.0941% | 3,672 |
| Cash dividends to net income (ytd only)* | 40.5680% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 1,533 |
| Loan loss allowance to noncurrent loans | 195.0966% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 2,024 |
| Noncurrent loans to loans | 1.0283% | 3,459 |
| Net loans and leases to total assets | 48.9562% | 5,201 |
| Net loans and leases to deposits | 55.3530% | 5,359 |
| Net loans and leases to core deposits | 59.1213% | 5,293 |
| Total domestic deposits to total assets | 88.4436% | 1,928 |
| Equity capital to assets | 8.5055% | 5,576 |
| Core capital (leverage) ratio | 8.4193% | 5,755 |
| Tier 1 risk-based capital ratio | 13.8690% | 4,383 |
| Total risk-based capital ratio | 15.1238% | 4,324 |
| Memoranda: | ||
| Average total assets | $270,204,400 | 2,343 |
| Average earning assets | $244,221,600 | 2,384 |
| Average equity | $22,793,400 | 2,847 |
| Average total loans | $140,596,400 | 2,683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 4,664 |
| Cost of funding earning assets | 0.5270% | 3,496 |
| Net interest margin | 3.3235% | 4,553 |
| Noninterest income to average assets | 2.1220% | 382 |
| Noninterest expense to average assets | 3.6808% | 1,275 |
| Loan and lease loss provision to assets | 0.2694% | 1,309 |
| Net operating income to assets | 0.8993% | 2,839 |
| Return on assets (ROA) | 0.9354% | 2,775 |
| Pretax return on assets | 1.2307% | 2,581 |
| Return on Equity (ROE) | 11.1107% | 1,783 |
| Retained earnings to average equity (ytd only) | 11.1107% | 558 |
| Net charge-offs to loans | 0.7337% | 811 |
| Credit loss provision to net charge-offs | 69.8856% | 3,075 |
| Earnings coverage of net charge-offs (x) | 3.7687% | 3,616 |
| Efficiency ratio | 71.6276% | 3,476 |
| Assets per employee ($millions) | 3.9996% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 2,100 |
| Loan loss allowance to noncurrent loans | 142.6570% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 2,340 |
| Noncurrent loans to loans | 1.3075% | 3,222 |
| Net loans and leases to total assets | 49.9651% | 5,138 |
| Net loans and leases to deposits | 56.3603% | 5,342 |
| Net loans and leases to core deposits | 63.0820% | 5,000 |
| Total domestic deposits to total assets | 88.6530% | 1,748 |
| Equity capital to assets | 8.3806% | 5,850 |
| Core capital (leverage) ratio | 8.3262% | 5,943 |
| Tier 1 risk-based capital ratio | 13.7080% | 4,624 |
| Total risk-based capital ratio | 14.9612% | 4,578 |
| Memoranda: | ||
| Average total assets | $272,250,500 | 2,342 |
| Average earning assets | $246,685,000 | 2,372 |
| Average equity | $22,920,250 | 2,859 |
| Average total loans | $143,020,250 | 2,667 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 4,621 |
| Cost of funding earning assets | 0.5423% | 3,482 |
| Net interest margin | 3.3175% | 4,498 |
| Noninterest income to average assets | 2.2340% | 376 |
| Noninterest expense to average assets | 3.6715% | 1,298 |
| Loan and lease loss provision to assets | 0.2923% | 1,239 |
| Net operating income to assets | 0.9531% | 2,554 |
| Return on assets (ROA) | 1.0063% | 2,442 |
| Pretax return on assets | 1.3498% | 2,125 |
| Return on Equity (ROE) | 11.9353% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.9353% | 506 |
| Net charge-offs to loans | 0.2534% | 2,206 |
| Credit loss provision to net charge-offs | 217.3913% | 1,114 |
| Earnings coverage of net charge-offs (x) | 11.6848% | 2,032 |
| Efficiency ratio | 69.9610% | 3,831 |
| Assets per employee ($millions) | 3.9406% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 1,730 |
| Loan loss allowance to noncurrent loans | 162.5813% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.7369% | 2,509 |
| Noncurrent loans to loans | 1.2642% | 3,441 |
| Net loans and leases to total assets | 51.7923% | 4,888 |
| Net loans and leases to deposits | 60.0663% | 4,973 |
| Net loans and leases to core deposits | 65.5301% | 4,740 |
| Total domestic deposits to total assets | 86.2252% | 3,246 |
| Equity capital to assets | 8.3196% | 5,951 |
| Core capital (leverage) ratio | 8.0294% | 6,166 |
| Tier 1 risk-based capital ratio | 12.9190% | 5,206 |
| Total risk-based capital ratio | 14.1752% | 5,137 |
| Memoranda: | ||
| Average total assets | $273,675,670 | 2,334 |
| Average earning assets | $248,195,330 | 2,364 |
| Average equity | $23,074,330 | 2,858 |
| Average total loans | $145,214,000 | 2,641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8413% | 4,675 |
| Cost of funding earning assets | 0.5534% | 3,540 |
| Net interest margin | 3.2879% | 4,562 |
| Noninterest income to average assets | 1.7829% | 511 |
| Noninterest expense to average assets | 3.5966% | 1,429 |
| Loan and lease loss provision to assets | 0.2201% | 1,682 |
| Net operating income to assets | 0.7253% | 3,564 |
| Return on assets (ROA) | 0.8349% | 3,125 |
| Pretax return on assets | 1.0903% | 2,995 |
| Return on Equity (ROE) | 9.8371% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.8371% | 1,147 |
| Net charge-offs to loans | 0.4058% | 1,442 |
| Credit loss provision to net charge-offs | 102.0408% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.4150% | 2,367 |
| Efficiency ratio | 75.3927% | 3,025 |
| Assets per employee ($millions) | 4.2168% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,138 |
| Loan loss allowance to noncurrent loans | 180.3756% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9658% | 2,385 |
| Noncurrent loans to loans | 1.0885% | 3,971 |
| Net loans and leases to total assets | 49.9662% | 5,000 |
| Net loans and leases to deposits | 56.3166% | 5,215 |
| Net loans and leases to core deposits | 58.9406% | 5,253 |
| Total domestic deposits to total assets | 88.7238% | 1,857 |
| Equity capital to assets | 8.3694% | 6,130 |
| Core capital (leverage) ratio | 7.9147% | 6,206 |
| Tier 1 risk-based capital ratio | 12.6666% | 5,456 |
| Total risk-based capital ratio | 13.9211% | 5,406 |
| Memoranda: | ||
| Average total assets | $272,591,500 | 2,372 |
| Average earning assets | $247,207,500 | 2,402 |
| Average equity | $23,137,000 | 2,902 |
| Average total loans | $144,889,000 | 2,652 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 4,527 |
| Cost of funding earning assets | 0.7011% | 3,484 |
| Net interest margin | 3.5145% | 4,438 |
| Noninterest income to average assets | 2.5642% | 307 |
| Noninterest expense to average assets | 4.0837% | 883 |
| Loan and lease loss provision to assets | 0.2603% | 2,564 |
| Net operating income to assets | 0.9777% | 2,434 |
| Return on assets (ROA) | 1.0328% | 2,402 |
| Pretax return on assets | 1.4489% | 1,858 |
| Return on Equity (ROE) | 11.9227% | 1,532 |
| Retained earnings to average equity (ytd only) | 7.5196% | 1,327 |
| Net charge-offs to loans | 0.4079% | 2,623 |
| Credit loss provision to net charge-offs | 112.3128% | 2,600 |
| Earnings coverage of net charge-offs (x) | 7.0399% | 2,690 |
| Efficiency ratio | 71.3765% | 3,543 |
| Assets per employee ($millions) | 3.9246% | 4,090 |
| Cash dividends to net income (ytd only)* | 36.9305% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 2,350 |
| Loan loss allowance to noncurrent loans | 136.0391% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 2.2205% | 2,207 |
| Noncurrent loans to loans | 1.3824% | 3,528 |
| Net loans and leases to total assets | 54.3892% | 4,570 |
| Net loans and leases to deposits | 61.7803% | 4,809 |
| Net loans and leases to core deposits | 64.5511% | 4,899 |
| Total domestic deposits to total assets | 88.0365% | 2,216 |
| Equity capital to assets | 8.6113% | 5,958 |
| Core capital (leverage) ratio | 8.0133% | 6,179 |
| Tier 1 risk-based capital ratio | 12.4247% | 5,526 |
| Total risk-based capital ratio | 13.6793% | 5,475 |
| Memoranda: | ||
| Average total assets | $259,301,000 | 2,444 |
| Average earning assets | $232,494,200 | 2,480 |
| Average equity | $22,461,400 | 2,921 |
| Average total loans | $147,326,400 | 2,614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 4,409 |
| Cost of funding earning assets | 0.7323% | 3,495 |
| Net interest margin | 3.5803% | 4,321 |
| Noninterest income to average assets | 2.5391% | 308 |
| Noninterest expense to average assets | 3.8848% | 1,081 |
| Loan and lease loss provision to assets | 0.3496% | 1,867 |
| Net operating income to assets | 1.0615% | 2,247 |
| Return on assets (ROA) | 1.1344% | 2,164 |
| Pretax return on assets | 1.6124% | 1,534 |
| Return on Equity (ROE) | 13.0754% | 1,317 |
| Retained earnings to average equity (ytd only) | 13.0754% | 387 |
| Net charge-offs to loans | 0.4702% | 2,220 |
| Credit loss provision to net charge-offs | 130.0578% | 2,218 |
| Earnings coverage of net charge-offs (x) | 6.9114% | 2,691 |
| Efficiency ratio | 67.5746% | 4,159 |
| Assets per employee ($millions) | 3.8151% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 2,405 |
| Loan loss allowance to noncurrent loans | 162.9482% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 2.2847% | 2,331 |
| Noncurrent loans to loans | 1.1806% | 4,089 |
| Net loans and leases to total assets | 56.2604% | 4,404 |
| Net loans and leases to deposits | 63.8804% | 4,727 |
| Net loans and leases to core deposits | 70.2715% | 4,474 |
| Total domestic deposits to total assets | 88.0714% | 2,004 |
| Equity capital to assets | 9.1240% | 5,679 |
| Core capital (leverage) ratio | 8.1380% | 6,199 |
| Tier 1 risk-based capital ratio | 12.6138% | 5,552 |
| Total risk-based capital ratio | 13.8692% | 5,508 |
| Memoranda: | ||
| Average total assets | $257,408,500 | 2,483 |
| Average earning assets | $230,326,000 | 2,519 |
| Average equity | $22,331,500 | 2,967 |
| Average total loans | $147,175,250 | 2,646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 4,455 |
| Cost of funding earning assets | 0.7564% | 3,552 |
| Net interest margin | 3.5735% | 4,370 |
| Noninterest income to average assets | 2.3853% | 314 |
| Noninterest expense to average assets | 3.7813% | 1,243 |
| Loan and lease loss provision to assets | 0.3506% | 1,875 |
| Net operating income to assets | 1.0132% | 2,408 |
| Return on assets (ROA) | 1.1015% | 2,261 |
| Pretax return on assets | 1.5705% | 1,638 |
| Return on Equity (ROE) | 12.9219% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.9219% | 445 |
| Net charge-offs to loans | 0.5797% | 1,869 |
| Credit loss provision to net charge-offs | 105.8824% | 2,570 |
| Earnings coverage of net charge-offs (x) | 5.4212% | 2,841 |
| Efficiency ratio | 67.7424% | 4,181 |
| Assets per employee ($millions) | 3.9860% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,754 |
| Loan loss allowance to noncurrent loans | 245.5526% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2803% | 2,454 |
| Noncurrent loans to loans | 0.7457% | 5,017 |
| Net loans and leases to total assets | 55.6966% | 4,514 |
| Net loans and leases to deposits | 65.6280% | 4,550 |
| Net loans and leases to core deposits | 71.8746% | 4,310 |
| Total domestic deposits to total assets | 84.8672% | 3,920 |
| Equity capital to assets | 8.6123% | 6,113 |
| Core capital (leverage) ratio | 7.9192% | 6,350 |
| Tier 1 risk-based capital ratio | 11.1645% | 6,419 |
| Total risk-based capital ratio | 12.4173% | 6,396 |
| Memoranda: | ||
| Average total assets | $256,736,000 | 2,486 |
| Average earning assets | $229,245,670 | 2,531 |
| Average equity | $21,885,330 | 2,994 |
| Average total loans | $146,628,000 | 2,658 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 4,490 |
| Cost of funding earning assets | 0.7944% | 3,519 |
| Net interest margin | 3.5624% | 4,430 |
| Noninterest income to average assets | 2.1060% | 375 |
| Noninterest expense to average assets | 3.5935% | 1,571 |
| Loan and lease loss provision to assets | 0.3549% | 1,773 |
| Net operating income to assets | 0.9370% | 2,762 |
| Return on assets (ROA) | 0.9717% | 2,791 |
| Pretax return on assets | 1.3756% | 2,263 |
| Return on Equity (ROE) | 11.4607% | 1,850 |
| Retained earnings to average equity (ytd only) | 11.4607% | 930 |
| Net charge-offs to loans | 0.3661% | 2,207 |
| Credit loss provision to net charge-offs | 169.1729% | 1,511 |
| Earnings coverage of net charge-offs (x) | 8.0150% | 2,010 |
| Efficiency ratio | 68.0323% | 4,165 |
| Assets per employee ($millions) | 3.9457% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 2,550 |
| Loan loss allowance to noncurrent loans | 227.8275% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 2.6262% | 2,252 |
| Noncurrent loans to loans | 0.8524% | 4,971 |
| Net loans and leases to total assets | 54.2891% | 4,675 |
| Net loans and leases to deposits | 61.3856% | 5,000 |
| Net loans and leases to core deposits | 64.8805% | 5,026 |
| Total domestic deposits to total assets | 88.4395% | 2,045 |
| Equity capital to assets | 8.3525% | 6,222 |
| Core capital (leverage) ratio | 7.7314% | 6,461 |
| Tier 1 risk-based capital ratio | 11.1175% | 6,483 |
| Total risk-based capital ratio | 12.3716% | 6,468 |
| Memoranda: | ||
| Average total assets | $253,565,500 | 2,534 |
| Average earning assets | $225,578,500 | 2,594 |
| Average equity | $21,499,500 | 3,041 |
| Average total loans | $145,313,000 | 2,697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 4,681 |
| Cost of funding earning assets | 0.9580% | 3,664 |
| Net interest margin | 3.6417% | 4,554 |
| Noninterest income to average assets | 1.9326% | 396 |
| Noninterest expense to average assets | 3.5710% | 1,803 |
| Loan and lease loss provision to assets | 0.3820% | 2,708 |
| Net operating income to assets | 0.8796% | 2,694 |
| Return on assets (ROA) | 0.8888% | 2,781 |
| Pretax return on assets | 1.2763% | 2,215 |
| Return on Equity (ROE) | 10.3157% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.3746% | 1,817 |
| Net charge-offs to loans | 0.6648% | 2,494 |
| Credit loss provision to net charge-offs | 93.7500% | 3,842 |
| Earnings coverage of net charge-offs (x) | 4.0375% | 3,293 |
| Efficiency ratio | 68.3701% | 4,282 |
| Assets per employee ($millions) | 3.7957% | 4,323 |
| Cash dividends to net income (ytd only)* | 38.2044% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,713 |
| Loan loss allowance to noncurrent loans | 220.1626% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7367% | 2,223 |
| Noncurrent loans to loans | 0.8399% | 5,008 |
| Net loans and leases to total assets | 58.2617% | 4,322 |
| Net loans and leases to deposits | 66.3718% | 4,687 |
| Net loans and leases to core deposits | 73.6330% | 4,294 |
| Total domestic deposits to total assets | 87.7808% | 2,291 |
| Equity capital to assets | 8.6123% | 6,000 |
| Core capital (leverage) ratio | 7.8765% | 6,376 |
| Tier 1 risk-based capital ratio | 10.9623% | 6,473 |
| Total risk-based capital ratio | 12.2159% | 6,451 |
| Memoranda: | ||
| Average total assets | $235,594,800 | 2,677 |
| Average earning assets | $212,426,600 | 2,705 |
| Average equity | $20,299,200 | 3,093 |
| Average total loans | $144,411,400 | 2,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 4,853 |
| Cost of funding earning assets | 0.9884% | 3,761 |
| Net interest margin | 3.6139% | 4,712 |
| Noninterest income to average assets | 1.9941% | 378 |
| Noninterest expense to average assets | 3.5278% | 1,864 |
| Loan and lease loss provision to assets | 0.3866% | 2,539 |
| Net operating income to assets | 0.9304% | 2,617 |
| Return on assets (ROA) | 0.9426% | 2,720 |
| Pretax return on assets | 1.3682% | 2,050 |
| Return on Equity (ROE) | 10.9391% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.2745% | 771 |
| Net charge-offs to loans | 0.7422% | 2,080 |
| Credit loss provision to net charge-offs | 84.2697% | 3,993 |
| Earnings coverage of net charge-offs (x) | 3.7865% | 3,297 |
| Efficiency ratio | 66.9205% | 4,540 |
| Assets per employee ($millions) | 3.7220% | 4,488 |
| Cash dividends to net income (ytd only)* | 6.0753% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,996 |
| Loan loss allowance to noncurrent loans | 244.6296% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 2.9163% | 2,217 |
| Noncurrent loans to loans | 0.7298% | 5,415 |
| Net loans and leases to total assets | 61.0178% | 3,936 |
| Net loans and leases to deposits | 71.7641% | 4,021 |
| Net loans and leases to core deposits | 80.5193% | 3,560 |
| Total domestic deposits to total assets | 85.0255% | 3,760 |
| Equity capital to assets | 9.0164% | 5,739 |
| Core capital (leverage) ratio | 8.1827% | 6,154 |
| Tier 1 risk-based capital ratio | 11.3076% | 6,356 |
| Total risk-based capital ratio | 12.5610% | 6,348 |
| Memoranda: | ||
| Average total assets | $232,814,000 | 2,702 |
| Average earning assets | $210,699,750 | 2,728 |
| Average equity | $20,062,000 | 3,134 |
| Average total loans | $143,901,750 | 2,751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 5,223 |
| Cost of funding earning assets | 1.0245% | 3,786 |
| Net interest margin | 3.5144% | 5,093 |
| Noninterest income to average assets | 1.7021% | 463 |
| Noninterest expense to average assets | 3.4474% | 2,125 |
| Loan and lease loss provision to assets | 0.3896% | 2,463 |
| Net operating income to assets | 0.7448% | 3,316 |
| Return on assets (ROA) | 0.7636% | 3,360 |
| Pretax return on assets | 1.0874% | 2,906 |
| Return on Equity (ROE) | 9.0046% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.9837% | 1,470 |
| Net charge-offs to loans | 0.6272% | 2,265 |
| Credit loss provision to net charge-offs | 100.6711% | 3,080 |
| Earnings coverage of net charge-offs (x) | 3.7472% | 3,063 |
| Efficiency ratio | 70.3023% | 4,048 |
| Assets per employee ($millions) | 3.4012% | 5,193 |
| Cash dividends to net income (ytd only)* | 11.3379% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 2,573 |
| Loan loss allowance to noncurrent loans | 66.1021% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.8468% | 2,356 |
| Noncurrent loans to loans | 2.9213% | 2,499 |
| Net loans and leases to total assets | 60.8464% | 4,116 |
| Net loans and leases to deposits | 70.7061% | 4,337 |
| Net loans and leases to core deposits | 81.4004% | 3,595 |
| Total domestic deposits to total assets | 86.0554% | 3,298 |
| Equity capital to assets | 8.8153% | 5,801 |
| Core capital (leverage) ratio | 8.0122% | 6,286 |
| Tier 1 risk-based capital ratio | 11.2337% | 6,365 |
| Total risk-based capital ratio | 12.4885% | 6,355 |
| Memoranda: | ||
| Average total assets | $231,015,000 | 2,746 |
| Average earning assets | $210,048,330 | 2,758 |
| Average equity | $19,590,000 | 3,187 |
| Average total loans | $142,538,000 | 2,797 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 5,616 |
| Cost of funding earning assets | 1.0632% | 3,766 |
| Net interest margin | 3.3589% | 5,583 |
| Noninterest income to average assets | 1.4293% | 626 |
| Noninterest expense to average assets | 3.3454% | 2,417 |
| Loan and lease loss provision to assets | 0.3898% | 2,237 |
| Net operating income to assets | 0.5457% | 4,289 |
| Return on assets (ROA) | 0.5457% | 4,372 |
| Pretax return on assets | 0.7536% | 4,088 |
| Return on Equity (ROE) | 6.5656% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.4813% | 3,490 |
| Net charge-offs to loans | 0.7490% | 1,721 |
| Credit loss provision to net charge-offs | 84.5865% | 3,051 |
| Earnings coverage of net charge-offs (x) | 2.4812% | 3,093 |
| Efficiency ratio | 74.4114% | 3,438 |
| Assets per employee ($millions) | 3.7983% | 4,301 |
| Cash dividends to net income (ytd only)* | 31.7460% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 2,516 |
| Loan loss allowance to noncurrent loans | 90.2084% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 2.3236% | 2,922 |
| Noncurrent loans to loans | 2.1730% | 3,352 |
| Net loans and leases to total assets | 57.9172% | 4,660 |
| Net loans and leases to deposits | 65.5172% | 5,041 |
| Net loans and leases to core deposits | 71.2731% | 4,894 |
| Total domestic deposits to total assets | 88.4001% | 2,142 |
| Equity capital to assets | 8.2334% | 6,245 |
| Core capital (leverage) ratio | 7.8194% | 6,447 |
| Tier 1 risk-based capital ratio | 11.2945% | 6,260 |
| Total risk-based capital ratio | 12.5503% | 6,240 |
| Memoranda: | ||
| Average total assets | $230,883,000 | 2,765 |
| Average earning assets | $210,309,000 | 2,782 |
| Average equity | $19,191,000 | 3,232 |
| Average total loans | $142,059,000 | 2,842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 4,158 |
| Cost of funding earning assets | 1.2977% | 3,897 |
| Net interest margin | 3.7885% | 3,993 |
| Noninterest income to average assets | 2.3905% | 296 |
| Noninterest expense to average assets | 3.9486% | 1,239 |
| Loan and lease loss provision to assets | 0.5432% | 2,971 |
| Net operating income to assets | 0.8777% | 2,474 |
| Return on assets (ROA) | 0.8777% | 2,613 |
| Pretax return on assets | 1.3069% | 1,910 |
| Return on Equity (ROE) | 10.2379% | 1,839 |
| Retained earnings to average equity (ytd only) | 4.4299% | 2,755 |
| Net charge-offs to loans | 0.4484% | 3,820 |
| Credit loss provision to net charge-offs | 179.1045% | 1,848 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,441 |
| Efficiency ratio | 68.0094% | 4,563 |
| Assets per employee ($millions) | 3.6496% | 4,581 |
| Cash dividends to net income (ytd only)* | 56.7303% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 2,538 |
| Loan loss allowance to noncurrent loans | 321.4866% | 962 |
| Noncurrent assets plus other real estate owned to assets | 1.7143% | 3,731 |
| Noncurrent loans to loans | 0.5938% | 5,856 |
| Net loans and leases to total assets | 62.8586% | 4,100 |
| Net loans and leases to deposits | 71.2764% | 4,640 |
| Net loans and leases to core deposits | 77.8487% | 4,475 |
| Total domestic deposits to total assets | 88.1899% | 2,126 |
| Equity capital to assets | 8.3938% | 6,011 |
| Core capital (leverage) ratio | 7.8957% | 6,323 |
| Tier 1 risk-based capital ratio | 11.2053% | 6,178 |
| Total risk-based capital ratio | 12.4612% | 6,151 |
| Memoranda: | ||
| Average total assets | $220,912,400 | 2,855 |
| Average earning assets | $198,734,200 | 2,894 |
| Average equity | $18,939,400 | 3,288 |
| Average total loans | $149,430,400 | 2,783 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0807% | 4,426 |
| Cost of funding earning assets | 1.3261% | 4,067 |
| Net interest margin | 3.7546% | 4,172 |
| Noninterest income to average assets | 2.4101% | 293 |
| Noninterest expense to average assets | 3.8450% | 1,288 |
| Loan and lease loss provision to assets | 0.5465% | 2,764 |
| Net operating income to assets | 0.9254% | 2,515 |
| Return on assets (ROA) | 0.9254% | 2,648 |
| Pretax return on assets | 1.3918% | 1,900 |
| Return on Equity (ROE) | 10.7363% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.2139% | 1,745 |
| Net charge-offs to loans | 0.4544% | 3,478 |
| Credit loss provision to net charge-offs | 175.4386% | 2,100 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,569 |
| Efficiency ratio | 66.4007% | 4,772 |
| Assets per employee ($millions) | 3.9074% | 4,022 |
| Cash dividends to net income (ytd only)* | 32.8084% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,545 |
| Loan loss allowance to noncurrent loans | 344.9409% | 864 |
| Noncurrent assets plus other real estate owned to assets | 1.7598% | 3,803 |
| Noncurrent loans to loans | 0.4621% | 6,265 |
| Net loans and leases to total assets | 70.2963% | 2,666 |
| Net loans and leases to deposits | 84.8774% | 2,541 |
| Net loans and leases to core deposits | 93.3143% | 2,617 |
| Total domestic deposits to total assets | 82.8210% | 4,667 |
| Equity capital to assets | 8.4520% | 6,334 |
| Core capital (leverage) ratio | 8.1149% | 6,175 |
| Tier 1 risk-based capital ratio | 10.5208% | 6,763 |
| Total risk-based capital ratio | 11.7740% | 6,748 |
| Memoranda: | ||
| Average total assets | $219,572,250 | 2,922 |
| Average earning assets | $197,264,500 | 2,960 |
| Average equity | $18,926,000 | 3,334 |
| Average total loans | $150,538,000 | 2,803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 4,208 |
| Cost of funding earning assets | 1.3809% | 4,000 |
| Net interest margin | 3.7654% | 4,067 |
| Noninterest income to average assets | 2.2546% | 297 |
| Noninterest expense to average assets | 3.7663% | 1,424 |
| Loan and lease loss provision to assets | 0.5558% | 2,549 |
| Net operating income to assets | 0.8689% | 2,663 |
| Return on assets (ROA) | 0.8689% | 2,795 |
| Pretax return on assets | 1.3070% | 2,061 |
| Return on Equity (ROE) | 10.0108% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.0108% | 842 |
| Net charge-offs to loans | 0.4197% | 3,317 |
| Credit loss provision to net charge-offs | 196.0784% | 2,015 |
| Earnings coverage of net charge-offs (x) | 6.5719% | 2,442 |
| Efficiency ratio | 66.8257% | 4,811 |
| Assets per employee ($millions) | 3.7775% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,121 |
| Loan loss allowance to noncurrent loans | 411.7073% | 752 |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 3,620 |
| Noncurrent loans to loans | 0.4102% | 6,426 |
| Net loans and leases to total assets | 67.2684% | 3,560 |
| Net loans and leases to deposits | 79.3314% | 3,727 |
| Net loans and leases to core deposits | 85.2653% | 3,942 |
| Total domestic deposits to total assets | 84.7942% | 3,729 |
| Equity capital to assets | 8.8647% | 5,653 |
| Core capital (leverage) ratio | 8.2225% | 5,905 |
| Tier 1 risk-based capital ratio | 11.0524% | 6,186 |
| Total risk-based capital ratio | 12.3062% | 6,167 |
| Memoranda: | ||
| Average total assets | $215,917,330 | 2,986 |
| Average earning assets | $193,496,330 | 3,028 |
| Average equity | $18,739,670 | 3,345 |
| Average total loans | $145,822,670 | 2,904 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 4,767 |
| Cost of funding earning assets | 1.4337% | 3,967 |
| Net interest margin | 3.6205% | 4,622 |
| Noninterest income to average assets | 2.0025% | 338 |
| Noninterest expense to average assets | 3.5627% | 1,813 |
| Loan and lease loss provision to assets | 0.5599% | 2,263 |
| Net operating income to assets | 0.7558% | 3,182 |
| Return on assets (ROA) | 0.7558% | 3,289 |
| Pretax return on assets | 1.1272% | 2,640 |
| Return on Equity (ROE) | 8.8051% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.8051% | 1,457 |
| Net charge-offs to loans | 0.4201% | 2,785 |
| Credit loss provision to net charge-offs | 198.6755% | 1,865 |
| Earnings coverage of net charge-offs (x) | 5.9868% | 2,305 |
| Efficiency ratio | 67.7568% | 4,769 |
| Assets per employee ($millions) | 3.7457% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 3,249 |
| Loan loss allowance to noncurrent loans | 586.4865% | 552 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 3,674 |
| Noncurrent loans to loans | 0.2814% | 6,761 |
| Net loans and leases to total assets | 65.4675% | 3,999 |
| Net loans and leases to deposits | 76.1896% | 4,373 |
| Net loans and leases to core deposits | 81.8510% | 4,510 |
| Total domestic deposits to total assets | 85.9270% | 3,195 |
| Equity capital to assets | 8.5826% | 5,896 |
| Core capital (leverage) ratio | 8.0853% | 6,109 |
| Tier 1 risk-based capital ratio | 10.9270% | 6,225 |
| Total risk-based capital ratio | 12.1802% | 6,201 |
| Memoranda: | ||
| Average total assets | $214,329,000 | 3,052 |
| Average earning assets | $192,236,000 | 3,091 |
| Average equity | $18,398,500 | 3,419 |
| Average total loans | $143,777,500 | 3,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 3,848 |
| Cost of funding earning assets | 1.8040% | 3,972 |
| Net interest margin | 3.7501% | 3,911 |
| Noninterest income to average assets | 1.3185% | 863 |
| Noninterest expense to average assets | 3.3729% | 2,768 |
| Loan and lease loss provision to assets | 0.6036% | 3,379 |
| Net operating income to assets | 0.4998% | 3,730 |
| Return on assets (ROA) | 0.5428% | 3,644 |
| Pretax return on assets | 0.7757% | 3,320 |
| Return on Equity (ROE) | 6.1651% | 3,145 |
| Retained earnings to average equity (ytd only) | 5.0223% | 1,807 |
| Net charge-offs to loans | 0.5134% | 3,726 |
| Credit loss provision to net charge-offs | 157.4803% | 2,852 |
| Earnings coverage of net charge-offs (x) | 3.4383% | 3,344 |
| Efficiency ratio | 71.7855% | 4,298 |
| Assets per employee ($millions) | 3.3556% | 5,356 |
| Cash dividends to net income (ytd only)* | 18.5357% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 3,411 |
| Loan loss allowance to noncurrent loans | 359.8071% | 909 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 3,867 |
| Noncurrent loans to loans | 0.4352% | 6,399 |
| Net loans and leases to total assets | 66.5547% | 4,024 |
| Net loans and leases to deposits | 79.6224% | 4,061 |
| Net loans and leases to core deposits | 109.6290% | 2,939 |
| Total domestic deposits to total assets | 83.5879% | 4,239 |
| Equity capital to assets | 8.5859% | 5,745 |
| Core capital (leverage) ratio | 8.2268% | 5,765 |
| Tier 1 risk-based capital ratio | 10.8406% | 6,073 |
| Total risk-based capital ratio | 12.0925% | 6,045 |
| Memoranda: | ||
| Average total assets | $198,792,000 | 3,199 |
| Average earning assets | $178,770,400 | 3,229 |
| Average equity | $17,501,800 | 3,582 |
| Average total loans | $148,419,800 | 2,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 3,819 |
| Cost of funding earning assets | 1.8919% | 3,921 |
| Net interest margin | 3.7165% | 4,004 |
| Noninterest income to average assets | 1.3439% | 847 |
| Noninterest expense to average assets | 3.4082% | 2,552 |
| Loan and lease loss provision to assets | 0.5139% | 3,329 |
| Net operating income to assets | 0.5199% | 3,899 |
| Return on assets (ROA) | 0.5343% | 3,937 |
| Pretax return on assets | 0.7885% | 3,578 |
| Return on Equity (ROE) | 6.0285% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.0285% | 1,935 |
| Net charge-offs to loans | 0.3827% | 3,732 |
| Credit loss provision to net charge-offs | 175.3488% | 2,634 |
| Earnings coverage of net charge-offs (x) | 4.3721% | 3,157 |
| Efficiency ratio | 72.5621% | 4,140 |
| Assets per employee ($millions) | 3.5394% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 3,782 |
| Loan loss allowance to noncurrent loans | 135.8056% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.6957% | 3,836 |
| Noncurrent loans to loans | 1.0530% | 5,214 |
| Net loans and leases to total assets | 72.5688% | 2,896 |
| Net loans and leases to deposits | 89.2104% | 2,740 |
| Net loans and leases to core deposits | 125.3008% | 1,787 |
| Total domestic deposits to total assets | 81.3458% | 4,941 |
| Equity capital to assets | 8.9177% | 5,610 |
| Core capital (leverage) ratio | 8.5248% | 5,444 |
| Tier 1 risk-based capital ratio | 10.7382% | 6,216 |
| Total risk-based capital ratio | 11.9892% | 6,180 |
| Memoranda: | ||
| Average total assets | $195,638,750 | 3,250 |
| Average earning assets | $176,111,250 | 3,291 |
| Average equity | $17,339,500 | 3,641 |
| Average total loans | $149,790,250 | 2,957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6176% | 3,980 |
| Cost of funding earning assets | 2.0049% | 3,751 |
| Net interest margin | 3.6127% | 4,313 |
| Noninterest income to average assets | 1.2138% | 1,054 |
| Noninterest expense to average assets | 3.4070% | 2,605 |
| Loan and lease loss provision to assets | 0.3874% | 3,589 |
| Net operating income to assets | 0.4541% | 4,275 |
| Return on assets (ROA) | 0.4762% | 4,301 |
| Pretax return on assets | 0.6942% | 4,020 |
| Return on Equity (ROE) | 5.3848% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.3848% | 2,297 |
| Net charge-offs to loans | 0.4474% | 3,028 |
| Credit loss provision to net charge-offs | 111.6071% | 4,149 |
| Earnings coverage of net charge-offs (x) | 3.0238% | 3,603 |
| Efficiency ratio | 76.3329% | 3,632 |
| Assets per employee ($millions) | 3.6081% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 4,876 |
| Loan loss allowance to noncurrent loans | 105.3265% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.8945% | 3,346 |
| Noncurrent loans to loans | 1.1474% | 4,920 |
| Net loans and leases to total assets | 74.3984% | 2,596 |
| Net loans and leases to deposits | 87.8595% | 3,195 |
| Net loans and leases to core deposits | 124.0571% | 2,023 |
| Total domestic deposits to total assets | 84.6788% | 3,402 |
| Equity capital to assets | 8.6081% | 5,885 |
| Core capital (leverage) ratio | 8.4426% | 5,538 |
| Tier 1 risk-based capital ratio | 10.5165% | 6,365 |
| Total risk-based capital ratio | 11.6755% | 6,400 |
| Memoranda: | ||
| Average total assets | $193,603,330 | 3,297 |
| Average earning assets | $173,775,000 | 3,349 |
| Average equity | $17,122,330 | 3,687 |
| Average total loans | $150,211,000 | 2,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7248% | 3,674 |
| Cost of funding earning assets | 2.1663% | 3,339 |
| Net interest margin | 3.5585% | 4,490 |
| Noninterest income to average assets | 1.1195% | 1,186 |
| Noninterest expense to average assets | 3.3013% | 2,652 |
| Loan and lease loss provision to assets | 0.4752% | 2,574 |
| Net operating income to assets | 0.3717% | 4,971 |
| Return on assets (ROA) | 0.3865% | 5,088 |
| Pretax return on assets | 0.5492% | 4,918 |
| Return on Equity (ROE) | 4.3092% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.3092% | 3,513 |
| Net charge-offs to loans | 0.5468% | 2,089 |
| Credit loss provision to net charge-offs | 110.2941% | 3,498 |
| Earnings coverage of net charge-offs (x) | 2.3284% | 3,572 |
| Efficiency ratio | 76.5456% | 3,397 |
| Assets per employee ($millions) | 3.7348% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,761 |
| Loan loss allowance to noncurrent loans | 310.2215% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 4,012 |
| Noncurrent loans to loans | 0.3890% | 6,448 |
| Net loans and leases to total assets | 76.7542% | 2,100 |
| Net loans and leases to deposits | 89.7450% | 2,968 |
| Net loans and leases to core deposits | 134.4039% | 1,396 |
| Total domestic deposits to total assets | 85.5247% | 2,955 |
| Equity capital to assets | 8.8241% | 5,582 |
| Core capital (leverage) ratio | 8.6110% | 5,316 |
| Tier 1 risk-based capital ratio | 10.3601% | 6,534 |
| Total risk-based capital ratio | 11.5100% | 6,559 |
| Memoranda: | ||
| Average total assets | $189,378,000 | 3,367 |
| Average earning assets | $169,508,000 | 3,431 |
| Average equity | $16,987,000 | 3,735 |
| Average total loans | $149,234,500 | 3,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7756% | 1,767 |
| Cost of funding earning assets | 3.0281% | 1,765 |
| Net interest margin | 3.7474% | 4,238 |
| Noninterest income to average assets | 1.1566% | 1,155 |
| Noninterest expense to average assets | 3.1953% | 3,357 |
| Loan and lease loss provision to assets | 0.3407% | 3,665 |
| Net operating income to assets | 0.6339% | 4,173 |
| Return on assets (ROA) | 0.6391% | 3,998 |
| Pretax return on assets | 0.9664% | 3,497 |
| Return on Equity (ROE) | 7.5026% | 3,283 |
| Retained earnings to average equity (ytd only) | 6.8479% | 1,205 |
| Net charge-offs to loans | 0.3234% | 3,235 |
| Credit loss provision to net charge-offs | 126.5010% | 4,222 |
| Earnings coverage of net charge-offs (x) | 4.8240% | 3,844 |
| Efficiency ratio | 70.9553% | 4,144 |
| Assets per employee ($millions) | 3.8448% | 3,866 |
| Cash dividends to net income (ytd only)* | 8.7260% | 4,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,385 |
| Loan loss allowance to noncurrent loans | 177.1654% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4549% | 3,308 |
| Noncurrent loans to loans | 0.6884% | 5,320 |
| Net loans and leases to total assets | 78.9958% | 1,888 |
| Net loans and leases to deposits | 93.0357% | 2,952 |
| Net loans and leases to core deposits | 134.9933% | 1,534 |
| Total domestic deposits to total assets | 84.9092% | 2,883 |
| Equity capital to assets | 9.1233% | 5,191 |
| Core capital (leverage) ratio | 8.7977% | 5,036 |
| Tier 1 risk-based capital ratio | 10.5060% | 6,207 |
| Total risk-based capital ratio | 11.6719% | 6,169 |
| Memoranda: | ||
| Average total assets | $179,325,000 | 3,414 |
| Average earning assets | $159,736,000 | 3,476 |
| Average equity | $15,274,800 | 4,082 |
| Average total loans | $149,353,600 | 2,942 |