Home > Pegasus Bank > Performance and Condition Ratios
Pegasus Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 588 |
| Cost of funding earning assets | 1.9366% | 1,015 |
| Net interest margin | 4.1175% | 1,052 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.6591% | 4,185 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 2.0414% | 443 |
| Return on assets (ROA) | 2.0414% | 426 |
| Pretax return on assets | 2.5618% | 318 |
| Return on Equity (ROE) | 21.8600% | 468 |
| Retained earnings to average equity (ytd only) | 13.3825% | 463 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.5498% | 4,371 |
| Assets per employee ($millions) | 17.0683% | 147 |
| Cash dividends to net income (ytd only)* | 38.7762% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 2,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.5700% | 2,302 |
| Net loans and leases to deposits | 73.2984% | 2,669 |
| Net loans and leases to core deposits | 77.2075% | 2,902 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 10.3248% | 1,833 |
| Core capital (leverage) ratio | 10.5628% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9815% | 1,076 |
| Memoranda: | ||
| Average total assets | $1,263,281,800 | 826 |
| Average earning assets | $1,221,527,200 | 782 |
| Average equity | $117,982,800 | 838 |
| Average total loans | $823,353,200 | 844 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9583% | 560 |
| Cost of funding earning assets | 1.7340% | 1,123 |
| Net interest margin | 4.2243% | 889 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.6521% | 4,187 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 2.1501% | 403 |
| Return on assets (ROA) | 2.1501% | 397 |
| Pretax return on assets | 2.7227% | 303 |
| Return on Equity (ROE) | 23.6100% | 456 |
| Retained earnings to average equity (ytd only) | 23.6131% | 153 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.2881% | 4,405 |
| Assets per employee ($millions) | 17.4681% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 2,921 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.8700% | 2,671 |
| Net loans and leases to deposits | 69.2314% | 2,889 |
| Net loans and leases to core deposits | 75.0033% | 2,928 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 10.2362% | 1,682 |
| Core capital (leverage) ratio | 11.2612% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1605% | 928 |
| Memoranda: | ||
| Average total assets | $1,276,139,500 | 824 |
| Average earning assets | $1,234,116,500 | 779 |
| Average equity | $116,198,250 | 844 |
| Average total loans | $828,369,000 | 840 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9732% | 456 |
| Cost of funding earning assets | 1.4939% | 1,253 |
| Net interest margin | 4.4793% | 629 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.6454% | 4,214 |
| Loan and lease loss provision to assets | -0.1100% | 4,574 |
| Net operating income to assets | 2.3910% | 272 |
| Return on assets (ROA) | 2.3910% | 267 |
| Pretax return on assets | 3.0279% | 200 |
| Return on Equity (ROE) | 27.3500% | 283 |
| Retained earnings to average equity (ytd only) | 27.3484% | 93 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.0503% | 4,474 |
| Assets per employee ($millions) | 17.0076% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,064 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.2100% | 2,462 |
| Net loans and leases to deposits | 70.6057% | 2,739 |
| Net loans and leases to core deposits | 78.0443% | 2,611 |
| Total domestic deposits to total assets | 89.5300% | 1,076 |
| Equity capital to assets | 10.1236% | 1,786 |
| Core capital (leverage) ratio | 10.4066% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6171% | 1,013 |
| Memoranda: | ||
| Average total assets | $1,288,107,000 | 802 |
| Average earning assets | $1,245,062,333 | 760 |
| Average equity | $112,613,333 | 858 |
| Average total loans | $845,907,667 | 816 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8237% | 403 |
| Cost of funding earning assets | 1.2859% | 1,261 |
| Net interest margin | 4.5378% | 557 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.6170% | 4,287 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.2924% | 326 |
| Return on assets (ROA) | 2.2924% | 325 |
| Pretax return on assets | 2.9040% | 221 |
| Return on Equity (ROE) | 28.2500% | 279 |
| Retained earnings to average equity (ytd only) | 28.2495% | 130 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.8498% | 4,559 |
| Assets per employee ($millions) | 18.6141% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,196 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.6800% | 2,096 |
| Net loans and leases to deposits | 72.3055% | 2,445 |
| Net loans and leases to core deposits | 78.6726% | 2,344 |
| Total domestic deposits to total assets | 90.8300% | 852 |
| Equity capital to assets | 8.7393% | 2,705 |
| Core capital (leverage) ratio | 9.0660% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5512% | 1,780 |
| Memoranda: | ||
| Average total assets | $1,328,391,000 | 794 |
| Average earning assets | $1,280,975,000 | 755 |
| Average equity | $107,796,500 | 896 |
| Average total loans | $883,040,500 | 810 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 1,526 |
| Cost of funding earning assets | 0.3855% | 2,217 |
| Net interest margin | 3.6910% | 1,399 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.5335% | 4,391 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.5107% | 860 |
| Return on assets (ROA) | 1.5107% | 829 |
| Pretax return on assets | 1.9197% | 557 |
| Return on Equity (ROE) | 21.7600% | 353 |
| Retained earnings to average equity (ytd only) | 21.7590% | 63 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.7523% | 4,495 |
| Assets per employee ($millions) | 19.3504% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,287 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 65.8900% | 2,054 |
| Net loans and leases to deposits | 71.4072% | 2,458 |
| Net loans and leases to core deposits | 75.2273% | 2,484 |
| Total domestic deposits to total assets | 92.2700% | 569 |
| Equity capital to assets | 7.4967% | 3,388 |
| Core capital (leverage) ratio | 7.9971% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9058% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,293,070,400 | 796 |
| Average earning assets | $1,242,302,800 | 768 |
| Average equity | $89,778,800 | 1,032 |
| Average total loans | $825,321,200 | 803 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 2,391 |
| Cost of funding earning assets | 0.2331% | 2,895 |
| Net interest margin | 3.3505% | 2,136 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.4558% | 4,466 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.2341% | 1,570 |
| Return on assets (ROA) | 1.2341% | 1,551 |
| Pretax return on assets | 1.5667% | 1,215 |
| Return on Equity (ROE) | 11.8600% | 2,080 |
| Retained earnings to average equity (ytd only) | 11.8589% | 826 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.3126% | 4,412 |
| Assets per employee ($millions) | 22.3102% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 3,848 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.1200% | 2,178 |
| Net loans and leases to deposits | 71.5349% | 2,243 |
| Net loans and leases to core deposits | 73.6153% | 2,378 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 11.4108% | 1,034 |
| Core capital (leverage) ratio | 7.0457% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8866% | 2,850 |
| Memoranda: | ||
| Average total assets | $1,334,184,000 | 778 |
| Average earning assets | $1,232,223,500 | 778 |
| Average equity | $138,840,500 | 721 |
| Average total loans | $809,478,250 | 813 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0195% | 3,510 |
| Cost of funding earning assets | 0.1708% | 3,304 |
| Net interest margin | 2.8487% | 3,292 |
| Noninterest income to average assets | 0.1206% | 4,396 |
| Noninterest expense to average assets | 1.4469% | 4,476 |
| Loan and lease loss provision to assets | 0.1687% | 546 |
| Net operating income to assets | 0.9020% | 2,571 |
| Return on assets (ROA) | 0.9020% | 2,543 |
| Pretax return on assets | 1.1445% | 2,258 |
| Return on Equity (ROE) | 8.9777% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.9777% | 1,296 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4220% | 4,092 |
| Assets per employee ($millions) | 23.3471% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.9443% | 2,445 |
| Net loans and leases to deposits | 66.5193% | 2,508 |
| Net loans and leases to core deposits | 67.7978% | 2,669 |
| Total domestic deposits to total assets | 88.6123% | 2,331 |
| Equity capital to assets | 11.1064% | 1,166 |
| Core capital (leverage) ratio | 7.0417% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6842% | 2,885 |
| Memoranda: | ||
| Average total assets | $1,310,398,333 | 786 |
| Average earning assets | $1,214,176,333 | 788 |
| Average equity | $131,659,333 | 761 |
| Average total loans | $780,893,333 | 821 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7171% | 3,913 |
| Cost of funding earning assets | 0.1583% | 3,397 |
| Net interest margin | 2.5588% | 3,760 |
| Noninterest income to average assets | 0.1059% | 4,475 |
| Noninterest expense to average assets | 1.4564% | 4,477 |
| Loan and lease loss provision to assets | 0.1356% | 596 |
| Net operating income to assets | 0.7097% | 3,020 |
| Return on assets (ROA) | 0.7097% | 3,005 |
| Pretax return on assets | 0.9021% | 2,767 |
| Return on Equity (ROE) | 7.5134% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.5134% | 1,729 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3930% | 3,639 |
| Assets per employee ($millions) | 25.1952% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.4598% | 2,946 |
| Net loans and leases to deposits | 58.8092% | 3,002 |
| Net loans and leases to core deposits | 59.9168% | 3,154 |
| Total domestic deposits to total assets | 89.2033% | 1,978 |
| Equity capital to assets | 10.5925% | 1,548 |
| Core capital (leverage) ratio | 6.8076% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8425% | 2,927 |
| Memoranda: | ||
| Average total assets | $1,253,509,500 | 824 |
| Average earning assets | $1,169,940,000 | 820 |
| Average equity | $118,402,000 | 873 |
| Average total loans | $747,968,500 | 833 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5827% | 4,422 |
| Cost of funding earning assets | 0.1576% | 3,895 |
| Net interest margin | 2.4252% | 4,290 |
| Noninterest income to average assets | 0.2571% | 3,837 |
| Noninterest expense to average assets | 1.6105% | 4,412 |
| Loan and lease loss provision to assets | 0.1393% | 866 |
| Net operating income to assets | 0.6573% | 3,726 |
| Return on assets (ROA) | 0.6573% | 3,782 |
| Pretax return on assets | 0.8167% | 3,689 |
| Return on Equity (ROE) | 9.0199% | 2,904 |
| Retained earnings to average equity (ytd only) | 9.0199% | 1,197 |
| Net charge-offs to loans | -0.0002% | 3,204 |
| Credit loss provision to net charge-offs | -139,500.0000% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7501% | 2,756 |
| Assets per employee ($millions) | 18.0293% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 4,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.5256% | 1,208 |
| Net loans and leases to deposits | 74.5117% | 1,688 |
| Net loans and leases to core deposits | 76.3329% | 1,892 |
| Total domestic deposits to total assets | 91.9661% | 189 |
| Equity capital to assets | 7.8430% | 4,449 |
| Core capital (leverage) ratio | 6.9755% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6151% | 2,966 |
| Memoranda: | ||
| Average total assets | $1,001,119,800 | 957 |
| Average earning assets | $953,325,400 | 940 |
| Average equity | $72,949,800 | 1,305 |
| Average total loans | $605,960,000 | 1,000 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5090% | 4,564 |
| Cost of funding earning assets | 0.1569% | 4,043 |
| Net interest margin | 2.3521% | 4,446 |
| Noninterest income to average assets | 0.2439% | 3,933 |
| Noninterest expense to average assets | 1.6308% | 4,423 |
| Loan and lease loss provision to assets | 0.0755% | 1,539 |
| Net operating income to assets | 0.6104% | 3,988 |
| Return on assets (ROA) | 0.6104% | 4,038 |
| Pretax return on assets | 0.7744% | 3,940 |
| Return on Equity (ROE) | 8.5487% | 3,243 |
| Retained earnings to average equity (ytd only) | 8.5487% | 1,859 |
| Net charge-offs to loans | -0.0002% | 3,065 |
| Credit loss provision to net charge-offs | -56,000.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7419% | 2,134 |
| Assets per employee ($millions) | 19.3316% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.6959% | 2,763 |
| Net loans and leases to deposits | 59.9754% | 3,231 |
| Net loans and leases to core deposits | 61.4600% | 3,363 |
| Total domestic deposits to total assets | 92.8646% | 40 |
| Equity capital to assets | 6.8142% | 4,840 |
| Core capital (leverage) ratio | 7.2778% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5256% | 2,855 |
| Memoranda: | ||
| Average total assets | $989,975,000 | 982 |
| Average earning assets | $941,434,750 | 962 |
| Average equity | $70,683,750 | 1,360 |
| Average total loans | $576,765,250 | 1,066 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5361% | 4,590 |
| Cost of funding earning assets | 0.1649% | 4,086 |
| Net interest margin | 2.3712% | 4,448 |
| Noninterest income to average assets | 0.2515% | 3,896 |
| Noninterest expense to average assets | 1.6839% | 4,384 |
| Loan and lease loss provision to assets | 0.0630% | 1,788 |
| Net operating income to assets | 0.5920% | 4,000 |
| Return on assets (ROA) | 0.5920% | 4,055 |
| Pretax return on assets | 0.7543% | 3,960 |
| Return on Equity (ROE) | 8.1484% | 3,371 |
| Retained earnings to average equity (ytd only) | 8.1484% | 2,026 |
| Net charge-offs to loans | -0.0004% | 3,028 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3242% | 1,964 |
| Assets per employee ($millions) | 17.9039% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.1404% | 2,409 |
| Net loans and leases to deposits | 65.1520% | 2,886 |
| Net loans and leases to core deposits | 67.0480% | 3,034 |
| Total domestic deposits to total assets | 92.3079% | 79 |
| Equity capital to assets | 7.3772% | 4,773 |
| Core capital (leverage) ratio | 7.1496% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6145% | 2,826 |
| Memoranda: | ||
| Average total assets | $952,666,667 | 1,000 |
| Average earning assets | $903,833,667 | 990 |
| Average equity | $69,216,333 | 1,370 |
| Average total loans | $562,671,667 | 1,091 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4865% | 4,653 |
| Cost of funding earning assets | 0.1757% | 4,116 |
| Net interest margin | 2.3108% | 4,512 |
| Noninterest income to average assets | 0.2441% | 3,931 |
| Noninterest expense to average assets | 1.6904% | 4,395 |
| Loan and lease loss provision to assets | 0.0444% | 2,182 |
| Net operating income to assets | 0.5482% | 4,078 |
| Return on assets (ROA) | 0.5482% | 4,121 |
| Pretax return on assets | 0.6959% | 4,026 |
| Return on Equity (ROE) | 7.6053% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.6053% | 2,380 |
| Net charge-offs to loans | -0.0007% | 3,027 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5440% | 1,755 |
| Assets per employee ($millions) | 18.6850% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 4,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 55.6555% | 3,085 |
| Net loans and leases to deposits | 60.1538% | 3,468 |
| Net loans and leases to core deposits | 61.8866% | 3,580 |
| Total domestic deposits to total assets | 92.5221% | 66 |
| Equity capital to assets | 7.1834% | 4,800 |
| Core capital (leverage) ratio | 7.5163% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9037% | 2,704 |
| Memoranda: | ||
| Average total assets | $945,595,500 | 996 |
| Average earning assets | $894,754,500 | 986 |
| Average equity | $68,163,000 | 1,378 |
| Average total loans | $550,749,500 | 1,110 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 4,623 |
| Cost of funding earning assets | 0.2480% | 4,384 |
| Net interest margin | 2.7588% | 4,312 |
| Noninterest income to average assets | 0.2171% | 4,194 |
| Noninterest expense to average assets | 1.8438% | 4,400 |
| Loan and lease loss provision to assets | 0.2417% | 1,610 |
| Net operating income to assets | 0.5896% | 3,790 |
| Return on assets (ROA) | 0.5896% | 3,892 |
| Pretax return on assets | 0.7474% | 3,770 |
| Return on Equity (ROE) | 7.3514% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.3514% | 1,257 |
| Net charge-offs to loans | 0.1509% | 1,077 |
| Credit loss provision to net charge-offs | 256.1497% | 1,909 |
| Earnings coverage of net charge-offs (x) | 10.4813% | 2,459 |
| Efficiency ratio | 65.0826% | 2,667 |
| Assets per employee ($millions) | 19.1577% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.9289% | 2,872 |
| Net loans and leases to deposits | 64.7599% | 3,381 |
| Net loans and leases to core deposits | 66.6917% | 3,486 |
| Total domestic deposits to total assets | 92.5402% | 33 |
| Equity capital to assets | 7.2350% | 4,882 |
| Core capital (leverage) ratio | 8.0962% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8467% | 2,958 |
| Memoranda: | ||
| Average total assets | $792,562,600 | 1,068 |
| Average earning assets | $751,494,600 | 1,047 |
| Average equity | $63,566,000 | 1,386 |
| Average total loans | $495,801,400 | 1,147 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0933% | 4,670 |
| Cost of funding earning assets | 0.2772% | 4,405 |
| Net interest margin | 2.8161% | 4,318 |
| Noninterest income to average assets | 0.1863% | 4,357 |
| Noninterest expense to average assets | 1.8806% | 4,363 |
| Loan and lease loss provision to assets | 0.2120% | 1,901 |
| Net operating income to assets | 0.6053% | 3,747 |
| Return on assets (ROA) | 0.6053% | 3,848 |
| Pretax return on assets | 0.7662% | 3,739 |
| Return on Equity (ROE) | 7.3303% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.3303% | 1,568 |
| Net charge-offs to loans | 0.2074% | 736 |
| Credit loss provision to net charge-offs | 161.7647% | 2,257 |
| Earnings coverage of net charge-offs (x) | 7.4626% | 2,573 |
| Efficiency ratio | 65.7819% | 2,495 |
| Assets per employee ($millions) | 16.5545% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 4,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 68.5569% | 2,166 |
| Net loans and leases to deposits | 75.3650% | 2,809 |
| Net loans and leases to core deposits | 78.5169% | 2,967 |
| Total domestic deposits to total assets | 90.9665% | 179 |
| Equity capital to assets | 8.5821% | 4,415 |
| Core capital (leverage) ratio | 8.6472% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5190% | 2,785 |
| Memoranda: | ||
| Average total assets | $760,810,500 | 1,083 |
| Average earning assets | $722,010,000 | 1,058 |
| Average equity | $62,824,750 | 1,388 |
| Average total loans | $480,786,500 | 1,172 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 4,761 |
| Cost of funding earning assets | 0.3163% | 4,412 |
| Net interest margin | 2.8268% | 4,409 |
| Noninterest income to average assets | 0.1557% | 4,516 |
| Noninterest expense to average assets | 1.8767% | 4,448 |
| Loan and lease loss provision to assets | 0.2038% | 2,013 |
| Net operating income to assets | 0.6022% | 3,731 |
| Return on assets (ROA) | 0.6022% | 3,808 |
| Pretax return on assets | 0.7639% | 3,695 |
| Return on Equity (ROE) | 7.3892% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.3892% | 1,509 |
| Net charge-offs to loans | 0.0636% | 1,609 |
| Credit loss provision to net charge-offs | 523.6486% | 1,191 |
| Earnings coverage of net charge-offs (x) | 24.8649% | 1,567 |
| Efficiency ratio | 65.9795% | 2,518 |
| Assets per employee ($millions) | 17.6412% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 4,122 |
| Loan loss allowance to noncurrent loans | 705.1667% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,135 |
| Noncurrent loans to loans | 0.1233% | 3,959 |
| Net loans and leases to total assets | 62.1351% | 3,115 |
| Net loans and leases to deposits | 68.0575% | 3,563 |
| Net loans and leases to core deposits | 70.9884% | 3,645 |
| Total domestic deposits to total assets | 91.2980% | 105 |
| Equity capital to assets | 8.2611% | 4,606 |
| Core capital (leverage) ratio | 8.3410% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2770% | 2,493 |
| Memoranda: | ||
| Average total assets | $760,578,667 | 1,071 |
| Average earning assets | $723,435,333 | 1,042 |
| Average equity | $61,982,000 | 1,390 |
| Average total loans | $465,671,667 | 1,182 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4467% | 4,691 |
| Cost of funding earning assets | 0.4088% | 4,333 |
| Net interest margin | 3.0380% | 4,218 |
| Noninterest income to average assets | 0.1514% | 4,614 |
| Noninterest expense to average assets | 1.9039% | 4,541 |
| Loan and lease loss provision to assets | 0.3055% | 1,017 |
| Net operating income to assets | 0.6663% | 3,381 |
| Return on assets (ROA) | 0.6663% | 3,451 |
| Pretax return on assets | 0.8486% | 3,289 |
| Return on Equity (ROE) | 8.2350% | 2,414 |
| Retained earnings to average equity (ytd only) | 8.2350% | 1,162 |
| Net charge-offs to loans | 0.4956% | 292 |
| Credit loss provision to net charge-offs | 101.9504% | 1,800 |
| Earnings coverage of net charge-offs (x) | 3.8511% | 2,183 |
| Efficiency ratio | 62.2589% | 3,469 |
| Assets per employee ($millions) | 16.9508% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,498 |
| Loan loss allowance to noncurrent loans | 602.5000% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 4,214 |
| Noncurrent loans to loans | 0.1258% | 4,016 |
| Net loans and leases to total assets | 62.0746% | 3,292 |
| Net loans and leases to deposits | 67.7129% | 3,745 |
| Net loans and leases to core deposits | 70.7210% | 3,833 |
| Total domestic deposits to total assets | 91.6732% | 58 |
| Equity capital to assets | 8.0869% | 4,953 |
| Core capital (leverage) ratio | 8.8289% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3148% | 2,566 |
| Memoranda: | ||
| Average total assets | $752,761,500 | 1,043 |
| Average earning assets | $720,217,500 | 1,013 |
| Average equity | $60,911,000 | 1,403 |
| Average total loans | $455,241,500 | 1,175 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 4,166 |
| Cost of funding earning assets | 0.6060% | 3,613 |
| Net interest margin | 3.4333% | 3,640 |
| Noninterest income to average assets | 0.2126% | 4,397 |
| Noninterest expense to average assets | 2.9302% | 2,210 |
| Loan and lease loss provision to assets | 0.1008% | 2,042 |
| Net operating income to assets | 0.3703% | 4,651 |
| Return on assets (ROA) | 0.3749% | 4,669 |
| Pretax return on assets | 0.4498% | 4,643 |
| Return on Equity (ROE) | 5.0152% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.0152% | 2,403 |
| Net charge-offs to loans | 0.0452% | 2,478 |
| Credit loss provision to net charge-offs | 385.8757% | 727 |
| Earnings coverage of net charge-offs (x) | 20.8588% | 1,915 |
| Efficiency ratio | 84.3181% | 640 |
| Assets per employee ($millions) | 17.2730% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 4,215 |
| Loan loss allowance to noncurrent loans | 305.0804% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,845 |
| Noncurrent loans to loans | 0.2725% | 3,474 |
| Net loans and leases to total assets | 57.8629% | 3,779 |
| Net loans and leases to deposits | 63.0827% | 4,132 |
| Net loans and leases to core deposits | 66.0017% | 4,189 |
| Total domestic deposits to total assets | 91.7255% | 55 |
| Equity capital to assets | 8.0965% | 5,040 |
| Core capital (leverage) ratio | 8.5844% | 4,796 |
| Tier 1 risk-based capital ratio | 13.3501% | 3,608 |
| Total risk-based capital ratio | 14.1490% | 3,719 |
| Memoranda: | ||
| Average total assets | $677,472,400 | 1,107 |
| Average earning assets | $643,778,800 | 1,073 |
| Average equity | $50,645,600 | 1,581 |
| Average total loans | $391,279,000 | 1,290 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 4,043 |
| Cost of funding earning assets | 0.6417% | 3,496 |
| Net interest margin | 3.5071% | 3,543 |
| Noninterest income to average assets | 0.1962% | 4,543 |
| Noninterest expense to average assets | 3.2786% | 1,313 |
| Loan and lease loss provision to assets | 0.1176% | 1,664 |
| Net operating income to assets | 0.1245% | 4,999 |
| Return on assets (ROA) | 0.1321% | 5,014 |
| Pretax return on assets | 0.1339% | 5,022 |
| Return on Equity (ROE) | 1.8091% | 4,924 |
| Retained earnings to average equity (ytd only) | 1.8091% | 4,338 |
| Net charge-offs to loans | 0.0641% | 1,901 |
| Credit loss provision to net charge-offs | 318.5792% | 920 |
| Earnings coverage of net charge-offs (x) | 6.6067% | 2,823 |
| Efficiency ratio | 93.0784% | 251 |
| Assets per employee ($millions) | 16.1394% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 4,123 |
| Loan loss allowance to noncurrent loans | 291.4167% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,917 |
| Noncurrent loans to loans | 0.3023% | 3,454 |
| Net loans and leases to total assets | 54.1820% | 4,166 |
| Net loans and leases to deposits | 58.5877% | 4,450 |
| Net loans and leases to core deposits | 61.6430% | 4,469 |
| Total domestic deposits to total assets | 92.4802% | 20 |
| Equity capital to assets | 7.1883% | 5,205 |
| Core capital (leverage) ratio | 7.7064% | 5,161 |
| Tier 1 risk-based capital ratio | 12.5389% | 4,117 |
| Total risk-based capital ratio | 13.3775% | 4,245 |
| Memoranda: | ||
| Average total assets | $661,156,250 | 1,132 |
| Average earning assets | $627,046,750 | 1,099 |
| Average equity | $48,273,000 | 1,649 |
| Average total loans | $380,755,750 | 1,331 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,843 |
| Cost of funding earning assets | 0.6513% | 3,402 |
| Net interest margin | 3.5807% | 3,333 |
| Noninterest income to average assets | 0.1949% | 4,588 |
| Noninterest expense to average assets | 1.9698% | 4,655 |
| Loan and lease loss provision to assets | 0.0134% | 3,502 |
| Net operating income to assets | 1.2680% | 1,886 |
| Return on assets (ROA) | 1.2773% | 1,923 |
| Pretax return on assets | 1.6145% | 1,503 |
| Return on Equity (ROE) | 17.3929% | 423 |
| Retained earnings to average equity (ytd only) | 17.3929% | 97 |
| Net charge-offs to loans | -0.0091% | 4,290 |
| Credit loss provision to net charge-offs | -252.9412% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9324% | 4,366 |
| Assets per employee ($millions) | 15.5949% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 4,344 |
| Loan loss allowance to noncurrent loans | 837.4005% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,469 |
| Noncurrent loans to loans | 0.0986% | 4,236 |
| Net loans and leases to total assets | 57.8887% | 3,927 |
| Net loans and leases to deposits | 62.9355% | 4,280 |
| Net loans and leases to core deposits | 66.3183% | 4,302 |
| Total domestic deposits to total assets | 91.9810% | 40 |
| Equity capital to assets | 7.7167% | 5,216 |
| Core capital (leverage) ratio | 7.9159% | 5,184 |
| Tier 1 risk-based capital ratio | 12.7430% | 3,984 |
| Total risk-based capital ratio | 13.5365% | 4,117 |
| Memoranda: | ||
| Average total assets | $639,450,330 | 1,159 |
| Average earning assets | $605,585,330 | 1,130 |
| Average equity | $46,961,670 | 1,686 |
| Average total loans | $375,338,670 | 1,346 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 3,695 |
| Cost of funding earning assets | 0.6492% | 3,329 |
| Net interest margin | 3.6050% | 3,236 |
| Noninterest income to average assets | 0.1843% | 4,647 |
| Noninterest expense to average assets | 2.0016% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2633% | 1,837 |
| Return on assets (ROA) | 1.2633% | 1,887 |
| Pretax return on assets | 1.5970% | 1,479 |
| Return on Equity (ROE) | 17.6662% | 432 |
| Retained earnings to average equity (ytd only) | 17.6662% | 156 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6220% | 4,380 |
| Assets per employee ($millions) | 13.0046% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 59.2976% | 3,763 |
| Net loans and leases to deposits | 64.3194% | 4,160 |
| Net loans and leases to core deposits | 67.3530% | 4,217 |
| Total domestic deposits to total assets | 92.1923% | 55 |
| Equity capital to assets | 7.5582% | 5,255 |
| Core capital (leverage) ratio | 7.7087% | 5,257 |
| Tier 1 risk-based capital ratio | 12.0310% | 4,439 |
| Total risk-based capital ratio | 12.8020% | 4,604 |
| Memoranda: | ||
| Average total assets | $631,683,500 | 1,175 |
| Average earning assets | $598,273,000 | 1,147 |
| Average equity | $45,171,000 | 1,726 |
| Average total loans | $371,848,500 | 1,366 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,365 |
| Cost of funding earning assets | 0.5111% | 3,283 |
| Net interest margin | 3.3500% | 4,129 |
| Noninterest income to average assets | 0.1981% | 4,718 |
| Noninterest expense to average assets | 1.9357% | 4,840 |
| Loan and lease loss provision to assets | 0.0376% | 3,453 |
| Net operating income to assets | 1.1027% | 2,585 |
| Return on assets (ROA) | 1.1027% | 2,583 |
| Pretax return on assets | 1.3919% | 2,160 |
| Return on Equity (ROE) | 16.8847% | 506 |
| Retained earnings to average equity (ytd only) | 16.8847% | 70 |
| Net charge-offs to loans | -0.0091% | 4,467 |
| Credit loss provision to net charge-offs | -732.2581% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5208% | 4,214 |
| Assets per employee ($millions) | 13.0438% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 4,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 57.4759% | 4,011 |
| Net loans and leases to deposits | 61.7137% | 4,387 |
| Net loans and leases to core deposits | 64.6902% | 4,422 |
| Total domestic deposits to total assets | 93.1332% | 31 |
| Equity capital to assets | 6.7531% | 5,348 |
| Core capital (leverage) ratio | 7.3586% | 5,334 |
| Tier 1 risk-based capital ratio | 11.5241% | 4,715 |
| Total risk-based capital ratio | 12.2950% | 4,849 |
| Memoranda: | ||
| Average total assets | $604,343,400 | 1,194 |
| Average earning assets | $571,336,600 | 1,181 |
| Average equity | $39,467,600 | 1,887 |
| Average total loans | $339,274,400 | 1,443 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,564 |
| Cost of funding earning assets | 0.4607% | 3,451 |
| Net interest margin | 3.2808% | 4,336 |
| Noninterest income to average assets | 0.2048% | 4,741 |
| Noninterest expense to average assets | 1.8796% | 4,939 |
| Loan and lease loss provision to assets | 0.0508% | 2,970 |
| Net operating income to assets | 1.0908% | 2,704 |
| Return on assets (ROA) | 1.0908% | 2,719 |
| Pretax return on assets | 1.3762% | 2,315 |
| Return on Equity (ROE) | 16.8565% | 559 |
| Retained earnings to average equity (ytd only) | 16.8565% | 108 |
| Net charge-offs to loans | -0.0093% | 4,372 |
| Credit loss provision to net charge-offs | -986.9565% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8440% | 4,271 |
| Assets per employee ($millions) | 13.9891% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 54.2811% | 4,346 |
| Net loans and leases to deposits | 57.9542% | 4,645 |
| Net loans and leases to core deposits | 60.6103% | 4,678 |
| Total domestic deposits to total assets | 93.6621% | 18 |
| Equity capital to assets | 6.0840% | 5,447 |
| Core capital (leverage) ratio | 6.9761% | 5,430 |
| Tier 1 risk-based capital ratio | 11.3721% | 4,861 |
| Total risk-based capital ratio | 12.1621% | 4,979 |
| Memoranda: | ||
| Average total assets | $595,642,750 | 1,208 |
| Average earning assets | $563,141,500 | 1,197 |
| Average equity | $38,544,000 | 1,925 |
| Average total loans | $331,480,000 | 1,474 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,631 |
| Cost of funding earning assets | 0.3588% | 4,015 |
| Net interest margin | 3.3199% | 4,193 |
| Noninterest income to average assets | 0.1829% | 4,914 |
| Noninterest expense to average assets | 1.8743% | 4,995 |
| Loan and lease loss provision to assets | 0.0546% | 2,815 |
| Net operating income to assets | 1.0984% | 2,588 |
| Return on assets (ROA) | 1.0984% | 2,598 |
| Pretax return on assets | 1.3857% | 2,199 |
| Return on Equity (ROE) | 16.5957% | 576 |
| Retained earnings to average equity (ytd only) | 16.5957% | 134 |
| Net charge-offs to loans | -0.0112% | 4,353 |
| Credit loss provision to net charge-offs | -872.2222% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5477% | 4,410 |
| Assets per employee ($millions) | 15.1488% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.2609% | 4,593 |
| Net loans and leases to deposits | 53.5898% | 4,858 |
| Net loans and leases to core deposits | 57.6879% | 4,804 |
| Total domestic deposits to total assets | 93.7881% | 20 |
| Equity capital to assets | 5.9787% | 5,507 |
| Core capital (leverage) ratio | 7.4283% | 5,448 |
| Tier 1 risk-based capital ratio | 11.7301% | 4,668 |
| Total risk-based capital ratio | 12.5576% | 4,792 |
| Memoranda: | ||
| Average total assets | $575,027,000 | 1,249 |
| Average earning assets | $542,423,330 | 1,236 |
| Average equity | $38,058,000 | 1,947 |
| Average total loans | $321,979,330 | 1,516 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 4,356 |
| Cost of funding earning assets | 0.2944% | 4,393 |
| Net interest margin | 3.4562% | 3,688 |
| Noninterest income to average assets | 0.1915% | 4,877 |
| Noninterest expense to average assets | 1.9700% | 4,910 |
| Loan and lease loss provision to assets | 0.0522% | 2,728 |
| Net operating income to assets | 1.1281% | 2,293 |
| Return on assets (ROA) | 1.1281% | 2,312 |
| Pretax return on assets | 1.4231% | 1,921 |
| Return on Equity (ROE) | 16.1002% | 604 |
| Retained earnings to average equity (ytd only) | 16.1002% | 244 |
| Net charge-offs to loans | -0.0063% | 4,084 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1799% | 4,445 |
| Assets per employee ($millions) | 13.2486% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 57.9151% | 3,944 |
| Net loans and leases to deposits | 62.4124% | 4,311 |
| Net loans and leases to core deposits | 64.0686% | 4,418 |
| Total domestic deposits to total assets | 92.7943% | 49 |
| Equity capital to assets | 6.9189% | 5,519 |
| Core capital (leverage) ratio | 7.6606% | 5,478 |
| Tier 1 risk-based capital ratio | 11.6440% | 4,775 |
| Total risk-based capital ratio | 12.4703% | 4,918 |
| Memoranda: | ||
| Average total assets | $536,841,000 | 1,335 |
| Average earning assets | $505,417,000 | 1,314 |
| Average equity | $37,614,500 | 1,971 |
| Average total loans | $317,762,500 | 1,533 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3347% | 5,041 |
| Cost of funding earning assets | 0.1503% | 5,261 |
| Net interest margin | 3.1844% | 4,487 |
| Noninterest income to average assets | 0.3096% | 4,245 |
| Noninterest expense to average assets | 1.8553% | 5,186 |
| Loan and lease loss provision to assets | 0.0978% | 2,262 |
| Net operating income to assets | 0.8425% | 2,986 |
| Return on assets (ROA) | 0.8425% | 3,012 |
| Pretax return on assets | 1.3751% | 2,069 |
| Return on Equity (ROE) | 12.7684% | 1,005 |
| Retained earnings to average equity (ytd only) | 12.7684% | 144 |
| Net charge-offs to loans | 0.1718% | 1,436 |
| Credit loss provision to net charge-offs | 104.4922% | 2,458 |
| Earnings coverage of net charge-offs (x) | 15.7305% | 2,226 |
| Efficiency ratio | 55.7448% | 4,787 |
| Assets per employee ($millions) | 12.9388% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.4133% | 3,888 |
| Net loans and leases to deposits | 64.0557% | 4,316 |
| Net loans and leases to core deposits | 66.0375% | 4,409 |
| Total domestic deposits to total assets | 92.7525% | 39 |
| Equity capital to assets | 7.0965% | 5,579 |
| Core capital (leverage) ratio | 7.2327% | 5,584 |
| Tier 1 risk-based capital ratio | 11.3266% | 4,965 |
| Total risk-based capital ratio | 12.1413% | 5,097 |
| Memoranda: | ||
| Average total assets | $546,812,800 | 1,286 |
| Average earning assets | $518,343,800 | 1,264 |
| Average equity | $36,081,400 | 2,020 |
| Average total loans | $297,934,800 | 1,579 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2385% | 5,185 |
| Cost of funding earning assets | 0.1477% | 5,327 |
| Net interest margin | 3.0908% | 4,737 |
| Noninterest income to average assets | 0.3313% | 4,168 |
| Noninterest expense to average assets | 1.8387% | 5,220 |
| Loan and lease loss provision to assets | 0.1150% | 1,880 |
| Net operating income to assets | 0.8737% | 3,155 |
| Return on assets (ROA) | 0.8737% | 3,206 |
| Pretax return on assets | 1.3110% | 2,434 |
| Return on Equity (ROE) | 13.4861% | 937 |
| Retained earnings to average equity (ytd only) | 13.4861% | 183 |
| Net charge-offs to loans | 0.2403% | 886 |
| Credit loss provision to net charge-offs | 89.9621% | 2,464 |
| Earnings coverage of net charge-offs (x) | 11.1591% | 2,524 |
| Efficiency ratio | 56.3200% | 4,705 |
| Assets per employee ($millions) | 13.3385% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 4,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 54.7653% | 4,345 |
| Net loans and leases to deposits | 59.1392% | 4,677 |
| Net loans and leases to core deposits | 60.9714% | 4,769 |
| Total domestic deposits to total assets | 92.6039% | 35 |
| Equity capital to assets | 7.1442% | 5,652 |
| Core capital (leverage) ratio | 6.2709% | 5,690 |
| Tier 1 risk-based capital ratio | 11.4233% | 4,997 |
| Total risk-based capital ratio | 12.2440% | 5,140 |
| Memoranda: | ||
| Average total assets | $550,893,750 | 1,292 |
| Average earning assets | $522,828,250 | 1,262 |
| Average equity | $35,690,250 | 2,046 |
| Average total loans | $292,913,500 | 1,610 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 5,388 |
| Cost of funding earning assets | 0.1366% | 5,408 |
| Net interest margin | 2.9241% | 5,055 |
| Noninterest income to average assets | 0.3754% | 3,872 |
| Noninterest expense to average assets | 1.8255% | 5,281 |
| Loan and lease loss provision to assets | 0.1078% | 1,890 |
| Net operating income to assets | 0.8127% | 3,346 |
| Return on assets (ROA) | 0.8127% | 3,397 |
| Pretax return on assets | 1.2187% | 2,705 |
| Return on Equity (ROE) | 12.9697% | 1,041 |
| Retained earnings to average equity (ytd only) | 12.9697% | 253 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9163% | 4,603 |
| Assets per employee ($millions) | 16.8099% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.4770% | 5,068 |
| Net loans and leases to deposits | 46.1262% | 5,279 |
| Net loans and leases to core deposits | 47.0732% | 5,313 |
| Total domestic deposits to total assets | 94.2566% | 7 |
| Equity capital to assets | 5.5858% | 5,754 |
| Core capital (leverage) ratio | 5.8032% | 5,750 |
| Tier 1 risk-based capital ratio | 11.3220% | 5,076 |
| Total risk-based capital ratio | 12.2769% | 5,135 |
| Memoranda: | ||
| Average total assets | $556,678,670 | 1,291 |
| Average earning assets | $528,580,330 | 1,256 |
| Average equity | $34,881,330 | 2,082 |
| Average total loans | $292,232,330 | 1,608 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 5,394 |
| Cost of funding earning assets | 0.1201% | 5,563 |
| Net interest margin | 2.9529% | 4,993 |
| Noninterest income to average assets | 0.3833% | 3,786 |
| Noninterest expense to average assets | 1.9218% | 5,200 |
| Loan and lease loss provision to assets | 0.0315% | 3,152 |
| Net operating income to assets | 0.8167% | 3,145 |
| Return on assets (ROA) | 0.8178% | 3,193 |
| Pretax return on assets | 1.2239% | 2,497 |
| Return on Equity (ROE) | 12.1957% | 1,179 |
| Retained earnings to average equity (ytd only) | 12.1957% | 449 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5165% | 4,399 |
| Assets per employee ($millions) | 13.0403% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 54.7686% | 4,272 |
| Net loans and leases to deposits | 58.9177% | 4,637 |
| Net loans and leases to core deposits | 60.3009% | 4,757 |
| Total domestic deposits to total assets | 92.9577% | 35 |
| Equity capital to assets | 6.8492% | 5,771 |
| Core capital (leverage) ratio | 7.2739% | 5,738 |
| Tier 1 risk-based capital ratio | 10.7666% | 5,431 |
| Total risk-based capital ratio | 11.6278% | 5,519 |
| Memoranda: | ||
| Average total assets | $507,224,000 | 1,401 |
| Average earning assets | $479,663,000 | 1,376 |
| Average equity | $34,012,000 | 2,150 |
| Average total loans | $294,275,500 | 1,612 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1624% | 5,347 |
| Cost of funding earning assets | 0.1285% | 5,561 |
| Net interest margin | 3.0338% | 4,891 |
| Noninterest income to average assets | 0.4469% | 3,567 |
| Noninterest expense to average assets | 2.0488% | 5,096 |
| Loan and lease loss provision to assets | 0.0597% | 3,188 |
| Net operating income to assets | 0.8199% | 3,210 |
| Return on assets (ROA) | 0.8242% | 3,282 |
| Pretax return on assets | 1.2326% | 2,541 |
| Return on Equity (ROE) | 11.4489% | 1,421 |
| Retained earnings to average equity (ytd only) | 11.4489% | 264 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4394% | 4,349 |
| Assets per employee ($millions) | 12.9712% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 60.1613% | 3,830 |
| Net loans and leases to deposits | 64.4242% | 4,373 |
| Net loans and leases to core deposits | 65.8920% | 4,534 |
| Total domestic deposits to total assets | 93.3830% | 31 |
| Equity capital to assets | 6.5611% | 5,834 |
| Core capital (leverage) ratio | 6.6737% | 5,831 |
| Tier 1 risk-based capital ratio | 10.7476% | 5,462 |
| Total risk-based capital ratio | 11.6258% | 5,565 |
| Memoranda: | ||
| Average total assets | $447,098,800 | 1,518 |
| Average earning assets | $425,565,800 | 1,485 |
| Average equity | $32,186,600 | 2,217 |
| Average total loans | $281,193,400 | 1,616 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1655% | 5,411 |
| Cost of funding earning assets | 0.1274% | 5,635 |
| Net interest margin | 3.0381% | 4,929 |
| Noninterest income to average assets | 0.4474% | 3,579 |
| Noninterest expense to average assets | 2.0644% | 5,074 |
| Loan and lease loss provision to assets | 0.0527% | 3,204 |
| Net operating income to assets | 0.8207% | 3,278 |
| Return on assets (ROA) | 0.8267% | 3,378 |
| Pretax return on assets | 1.2362% | 2,676 |
| Return on Equity (ROE) | 11.1931% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.1931% | 404 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7278% | 4,277 |
| Assets per employee ($millions) | 12.1773% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 4,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.7389% | 3,776 |
| Net loans and leases to deposits | 65.4941% | 4,390 |
| Net loans and leases to core deposits | 67.0414% | 4,543 |
| Total domestic deposits to total assets | 92.7395% | 43 |
| Equity capital to assets | 7.0828% | 5,881 |
| Core capital (leverage) ratio | 7.2458% | 5,856 |
| Tier 1 risk-based capital ratio | 10.7943% | 5,477 |
| Total risk-based capital ratio | 11.6746% | 5,577 |
| Memoranda: | ||
| Average total assets | $432,404,250 | 1,567 |
| Average earning assets | $412,314,500 | 1,526 |
| Average equity | $31,935,500 | 2,245 |
| Average total loans | $274,702,250 | 1,647 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 5,406 |
| Cost of funding earning assets | 0.1290% | 5,699 |
| Net interest margin | 3.0867% | 4,864 |
| Noninterest income to average assets | 0.4371% | 3,620 |
| Noninterest expense to average assets | 2.1089% | 5,039 |
| Loan and lease loss provision to assets | 0.0526% | 3,094 |
| Net operating income to assets | 0.8129% | 3,250 |
| Return on assets (ROA) | 0.8149% | 3,377 |
| Pretax return on assets | 1.2194% | 2,705 |
| Return on Equity (ROE) | 10.8645% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.8645% | 454 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4292% | 4,279 |
| Assets per employee ($millions) | 11.5784% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 4,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 61.2619% | 3,713 |
| Net loans and leases to deposits | 66.3398% | 4,322 |
| Net loans and leases to core deposits | 67.4211% | 4,517 |
| Total domestic deposits to total assets | 92.3456% | 63 |
| Equity capital to assets | 7.4581% | 5,920 |
| Core capital (leverage) ratio | 7.5435% | 5,875 |
| Tier 1 risk-based capital ratio | 11.0733% | 5,383 |
| Total risk-based capital ratio | 11.9837% | 5,478 |
| Memoranda: | ||
| Average total assets | $418,234,670 | 1,622 |
| Average earning assets | $398,478,330 | 1,574 |
| Average equity | $31,368,330 | 2,283 |
| Average total loans | $269,211,000 | 1,677 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3025% | 5,322 |
| Cost of funding earning assets | 0.1328% | 5,737 |
| Net interest margin | 3.1697% | 4,677 |
| Noninterest income to average assets | 0.3613% | 4,143 |
| Noninterest expense to average assets | 2.1308% | 5,051 |
| Loan and lease loss provision to assets | 0.0589% | 2,779 |
| Net operating income to assets | 0.7826% | 3,336 |
| Return on assets (ROA) | 0.7826% | 3,442 |
| Pretax return on assets | 1.1714% | 2,813 |
| Return on Equity (ROE) | 10.4028% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.4028% | 764 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3947% | 4,237 |
| Assets per employee ($millions) | 10.9729% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.6785% | 3,431 |
| Net loans and leases to deposits | 67.9548% | 4,062 |
| Net loans and leases to core deposits | 68.9609% | 4,324 |
| Total domestic deposits to total assets | 92.2356% | 88 |
| Equity capital to assets | 7.5269% | 5,942 |
| Core capital (leverage) ratio | 7.4711% | 5,928 |
| Tier 1 risk-based capital ratio | 10.8086% | 5,594 |
| Total risk-based capital ratio | 11.7080% | 5,683 |
| Memoranda: | ||
| Average total assets | $407,362,000 | 1,657 |
| Average earning assets | $385,525,000 | 1,625 |
| Average equity | $30,645,500 | 2,330 |
| Average total loans | $267,717,000 | 1,680 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1666% | 5,549 |
| Cost of funding earning assets | 0.1155% | 5,900 |
| Net interest margin | 3.0511% | 5,023 |
| Noninterest income to average assets | 0.3413% | 4,469 |
| Noninterest expense to average assets | 2.0941% | 5,268 |
| Loan and lease loss provision to assets | 0.1451% | 1,633 |
| Net operating income to assets | 0.6525% | 4,026 |
| Return on assets (ROA) | 0.6789% | 4,005 |
| Pretax return on assets | 1.0202% | 3,380 |
| Return on Equity (ROE) | 8.7913% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.7913% | 707 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0339% | 4,075 |
| Assets per employee ($millions) | 11.0488% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 4,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.6110% | 2,771 |
| Net loans and leases to deposits | 73.1783% | 3,591 |
| Net loans and leases to core deposits | 74.4937% | 3,891 |
| Total domestic deposits to total assets | 92.3921% | 80 |
| Equity capital to assets | 7.5187% | 5,980 |
| Core capital (leverage) ratio | 7.6032% | 5,953 |
| Tier 1 risk-based capital ratio | 10.0869% | 5,930 |
| Total risk-based capital ratio | 10.9429% | 5,999 |
| Memoranda: | ||
| Average total assets | $370,893,400 | 1,768 |
| Average earning assets | $349,934,800 | 1,731 |
| Average equity | $28,641,800 | 2,414 |
| Average total loans | $245,847,600 | 1,753 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 5,688 |
| Cost of funding earning assets | 0.1137% | 6,005 |
| Net interest margin | 3.0014% | 5,186 |
| Noninterest income to average assets | 0.3247% | 4,618 |
| Noninterest expense to average assets | 2.0704% | 5,342 |
| Loan and lease loss provision to assets | 0.1428% | 1,546 |
| Net operating income to assets | 0.6206% | 4,281 |
| Return on assets (ROA) | 0.6535% | 4,223 |
| Pretax return on assets | 0.9837% | 3,677 |
| Return on Equity (ROE) | 8.4020% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.4020% | 1,087 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7864% | 3,931 |
| Assets per employee ($millions) | 10.8563% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 5,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.2452% | 2,497 |
| Net loans and leases to deposits | 75.1741% | 3,407 |
| Net loans and leases to core deposits | 76.6040% | 3,727 |
| Total domestic deposits to total assets | 92.1131% | 91 |
| Equity capital to assets | 7.7085% | 6,036 |
| Core capital (leverage) ratio | 7.7163% | 6,006 |
| Tier 1 risk-based capital ratio | 9.9575% | 6,054 |
| Total risk-based capital ratio | 10.7739% | 6,116 |
| Memoranda: | ||
| Average total assets | $364,178,000 | 1,809 |
| Average earning assets | $342,452,500 | 1,782 |
| Average equity | $28,325,750 | 2,448 |
| Average total loans | $239,440,750 | 1,807 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0407% | 5,817 |
| Cost of funding earning assets | 0.1117% | 6,086 |
| Net interest margin | 2.9291% | 5,388 |
| Noninterest income to average assets | 0.2881% | 4,903 |
| Noninterest expense to average assets | 2.0356% | 5,464 |
| Loan and lease loss provision to assets | 0.1226% | 1,800 |
| Net operating income to assets | 0.5830% | 4,423 |
| Return on assets (ROA) | 0.6330% | 4,316 |
| Pretax return on assets | 0.9534% | 3,759 |
| Return on Equity (ROE) | 8.1130% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.1130% | 1,218 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0521% | 3,830 |
| Assets per employee ($millions) | 11.5701% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 5,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.5007% | 2,868 |
| Net loans and leases to deposits | 72.1915% | 3,704 |
| Net loans and leases to core deposits | 73.7104% | 3,977 |
| Total domestic deposits to total assets | 92.1171% | 117 |
| Equity capital to assets | 7.7238% | 6,073 |
| Core capital (leverage) ratio | 7.9681% | 5,944 |
| Tier 1 risk-based capital ratio | 10.0784% | 6,060 |
| Total risk-based capital ratio | 10.8642% | 6,152 |
| Memoranda: | ||
| Average total assets | $358,914,000 | 1,847 |
| Average earning assets | $336,693,330 | 1,827 |
| Average equity | $28,004,330 | 2,487 |
| Average total loans | $230,750,330 | 1,879 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9765% | 5,919 |
| Cost of funding earning assets | 0.1088% | 6,167 |
| Net interest margin | 2.8677% | 5,511 |
| Noninterest income to average assets | 0.2129% | 5,429 |
| Noninterest expense to average assets | 2.0246% | 5,535 |
| Loan and lease loss provision to assets | 0.0793% | 2,371 |
| Net operating income to assets | 0.5294% | 4,547 |
| Return on assets (ROA) | 0.5877% | 4,432 |
| Pretax return on assets | 0.8844% | 3,946 |
| Return on Equity (ROE) | 7.4924% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.4924% | 1,766 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8165% | 3,525 |
| Assets per employee ($millions) | 12.1169% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 5,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.7269% | 3,413 |
| Net loans and leases to deposits | 67.0062% | 4,050 |
| Net loans and leases to core deposits | 68.2829% | 4,304 |
| Total domestic deposits to total assets | 92.1212% | 135 |
| Equity capital to assets | 7.7168% | 6,120 |
| Core capital (leverage) ratio | 8.1504% | 5,849 |
| Tier 1 risk-based capital ratio | 10.0946% | 6,144 |
| Total risk-based capital ratio | 10.8461% | 6,228 |
| Memoranda: | ||
| Average total assets | $353,249,000 | 1,882 |
| Average earning assets | $330,992,000 | 1,860 |
| Average equity | $27,708,000 | 2,523 |
| Average total loans | $221,902,500 | 1,931 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9945% | 6,068 |
| Cost of funding earning assets | 0.1129% | 6,288 |
| Net interest margin | 2.8817% | 5,680 |
| Noninterest income to average assets | 0.1418% | 5,986 |
| Noninterest expense to average assets | 1.7879% | 6,079 |
| Loan and lease loss provision to assets | 0.1645% | 1,594 |
| Net operating income to assets | 0.5918% | 4,409 |
| Return on assets (ROA) | 0.6355% | 4,313 |
| Pretax return on assets | 0.9472% | 3,706 |
| Return on Equity (ROE) | 7.6323% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.7479% | 2,100 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0834% | 4,743 |
| Assets per employee ($millions) | 11.4331% | 167 |
| Cash dividends to net income (ytd only)* | 24.6895% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 5,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 62.7808% | 3,396 |
| Net loans and leases to deposits | 68.2462% | 4,102 |
| Net loans and leases to core deposits | 69.4014% | 4,376 |
| Total domestic deposits to total assets | 91.9916% | 147 |
| Equity capital to assets | 7.9783% | 6,080 |
| Core capital (leverage) ratio | 7.9385% | 6,035 |
| Tier 1 risk-based capital ratio | 9.6840% | 6,323 |
| Total risk-based capital ratio | 10.3944% | 6,379 |
| Memoranda: | ||
| Average total assets | $316,733,800 | 2,053 |
| Average earning assets | $295,938,800 | 2,025 |
| Average equity | $26,374,800 | 2,540 |
| Average total loans | $182,400,600 | 2,204 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9436% | 6,168 |
| Cost of funding earning assets | 0.1168% | 6,353 |
| Net interest margin | 2.8268% | 5,833 |
| Noninterest income to average assets | 0.1350% | 6,099 |
| Noninterest expense to average assets | 1.7375% | 6,171 |
| Loan and lease loss provision to assets | 0.1552% | 1,600 |
| Net operating income to assets | 0.5968% | 4,456 |
| Return on assets (ROA) | 0.6293% | 4,410 |
| Pretax return on assets | 0.9345% | 3,841 |
| Return on Equity (ROE) | 7.4709% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.9347% | 3,123 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5309% | 4,807 |
| Assets per employee ($millions) | 15.4185% | 76 |
| Cash dividends to net income (ytd only)* | 33.9481% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 5,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.8980% | 4,085 |
| Net loans and leases to deposits | 63.0005% | 4,641 |
| Net loans and leases to core deposits | 63.6123% | 4,912 |
| Total domestic deposits to total assets | 91.9008% | 169 |
| Equity capital to assets | 7.9497% | 6,161 |
| Core capital (leverage) ratio | 8.1450% | 5,974 |
| Tier 1 risk-based capital ratio | 9.9091% | 6,365 |
| Total risk-based capital ratio | 10.5923% | 6,435 |
| Memoranda: | ||
| Average total assets | $310,169,250 | 2,109 |
| Average earning assets | $290,072,250 | 2,082 |
| Average equity | $26,127,250 | 2,563 |
| Average total loans | $173,664,750 | 2,310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8887% | 6,265 |
| Cost of funding earning assets | 0.1230% | 6,399 |
| Net interest margin | 2.7657% | 5,965 |
| Noninterest income to average assets | 0.1404% | 6,118 |
| Noninterest expense to average assets | 1.7778% | 6,177 |
| Loan and lease loss provision to assets | 0.1404% | 1,765 |
| Net operating income to assets | 0.5505% | 4,603 |
| Return on assets (ROA) | 0.6017% | 4,443 |
| Pretax return on assets | 0.8872% | 3,931 |
| Return on Equity (ROE) | 6.9948% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.1492% | 4,202 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1146% | 4,508 |
| Assets per employee ($millions) | 15.5143% | 73 |
| Cash dividends to net income (ytd only)* | 54.9779% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 5,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.6036% | 4,176 |
| Net loans and leases to deposits | 61.6742% | 4,723 |
| Net loans and leases to core deposits | 64.5512% | 4,766 |
| Total domestic deposits to total assets | 91.7784% | 201 |
| Equity capital to assets | 8.1022% | 6,092 |
| Core capital (leverage) ratio | 8.5050% | 5,635 |
| Tier 1 risk-based capital ratio | 9.8313% | 6,442 |
| Total risk-based capital ratio | 10.4679% | 6,512 |
| Memoranda: | ||
| Average total assets | $300,490,000 | 2,170 |
| Average earning assets | $281,371,670 | 2,130 |
| Average equity | $25,847,670 | 2,580 |
| Average total loans | $165,471,330 | 2,389 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8633% | 6,350 |
| Cost of funding earning assets | 0.1291% | 6,448 |
| Net interest margin | 2.7341% | 6,054 |
| Noninterest income to average assets | 0.1431% | 6,115 |
| Noninterest expense to average assets | 1.6607% | 6,382 |
| Loan and lease loss provision to assets | 0.0973% | 2,300 |
| Net operating income to assets | 0.6462% | 3,964 |
| Return on assets (ROA) | 0.6462% | 4,059 |
| Pretax return on assets | 0.9450% | 3,538 |
| Return on Equity (ROE) | 7.2733% | 3,321 |
| Retained earnings to average equity (ytd only) | -0.5005% | 5,645 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4396% | 5,211 |
| Assets per employee ($millions) | 14.4358% | 82 |
| Cash dividends to net income (ytd only)* | 106.8817% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 5,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.8555% | 4,438 |
| Net loans and leases to deposits | 58.8961% | 4,854 |
| Net loans and leases to core deposits | 62.2534% | 4,853 |
| Total domestic deposits to total assets | 91.4416% | 398 |
| Equity capital to assets | 8.4456% | 5,699 |
| Core capital (leverage) ratio | 9.0108% | 4,993 |
| Tier 1 risk-based capital ratio | 10.0354% | 6,467 |
| Total risk-based capital ratio | 10.6483% | 6,553 |
| Memoranda: | ||
| Average total assets | $287,834,500 | 2,247 |
| Average earning assets | $269,482,000 | 2,222 |
| Average equity | $25,573,000 | 2,588 |
| Average total loans | $155,149,000 | 2,521 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7527% | 6,519 |
| Cost of funding earning assets | 0.1459% | 6,553 |
| Net interest margin | 2.6067% | 6,258 |
| Noninterest income to average assets | 0.1575% | 6,145 |
| Noninterest expense to average assets | 1.5632% | 6,533 |
| Loan and lease loss provision to assets | 0.0091% | 4,937 |
| Net operating income to assets | 0.6838% | 3,883 |
| Return on assets (ROA) | 0.6930% | 3,920 |
| Pretax return on assets | 1.0408% | 3,189 |
| Return on Equity (ROE) | 7.7214% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.7214% | 1,143 |
| Net charge-offs to loans | -0.0085% | 5,999 |
| Credit loss provision to net charge-offs | -208.3333% | 5,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1403% | 5,449 |
| Assets per employee ($millions) | 14.3430% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 5,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 52.8349% | 4,745 |
| Net loans and leases to deposits | 58.3212% | 5,096 |
| Net loans and leases to core deposits | 61.9779% | 5,060 |
| Total domestic deposits to total assets | 90.5929% | 753 |
| Equity capital to assets | 9.3730% | 4,582 |
| Core capital (leverage) ratio | 9.3051% | 4,541 |
| Tier 1 risk-based capital ratio | 11.8173% | 5,729 |
| Total risk-based capital ratio | 12.5063% | 5,989 |
| Memoranda: | ||
| Average total assets | $274,301,600 | 2,313 |
| Average earning assets | $256,949,200 | 2,271 |
| Average equity | $24,620,000 | 2,667 |
| Average total loans | $140,421,400 | 2,690 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7411% | 6,603 |
| Cost of funding earning assets | 0.1488% | 6,639 |
| Net interest margin | 2.5924% | 6,323 |
| Noninterest income to average assets | 0.1533% | 6,271 |
| Noninterest expense to average assets | 1.5446% | 6,605 |
| Loan and lease loss provision to assets | 0.0121% | 4,756 |
| Net operating income to assets | 0.6808% | 3,952 |
| Return on assets (ROA) | 0.6828% | 4,080 |
| Pretax return on assets | 1.0264% | 3,392 |
| Return on Equity (ROE) | 7.6917% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.6917% | 1,553 |
| Net charge-offs to loans | -0.0115% | 5,919 |
| Credit loss provision to net charge-offs | -208.3333% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8646% | 5,459 |
| Assets per employee ($millions) | 15.4743% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 5,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.4242% | 5,502 |
| Net loans and leases to deposits | 51.0998% | 5,770 |
| Net loans and leases to core deposits | 53.8359% | 5,775 |
| Total domestic deposits to total assets | 90.8501% | 592 |
| Equity capital to assets | 8.9937% | 5,199 |
| Core capital (leverage) ratio | 9.2247% | 4,795 |
| Tier 1 risk-based capital ratio | 13.6040% | 4,686 |
| Total risk-based capital ratio | 14.4134% | 4,955 |
| Memoranda: | ||
| Average total assets | $274,747,750 | 2,318 |
| Average earning assets | $257,211,500 | 2,273 |
| Average equity | $24,389,250 | 2,717 |
| Average total loans | $139,158,250 | 2,727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7235% | 6,655 |
| Cost of funding earning assets | 0.1501% | 6,709 |
| Net interest margin | 2.5734% | 6,357 |
| Noninterest income to average assets | 0.1470% | 6,314 |
| Noninterest expense to average assets | 1.5445% | 6,644 |
| Loan and lease loss provision to assets | 0.0146% | 4,593 |
| Net operating income to assets | 0.6697% | 3,966 |
| Return on assets (ROA) | 0.6721% | 4,112 |
| Pretax return on assets | 1.0114% | 3,457 |
| Return on Equity (ROE) | 7.6049% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.6049% | 1,625 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1709% | 5,463 |
| Assets per employee ($millions) | 14.0751% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 5,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 57.4742% | 4,068 |
| Net loans and leases to deposits | 63.7352% | 4,540 |
| Net loans and leases to core deposits | 67.6105% | 4,542 |
| Total domestic deposits to total assets | 90.1765% | 934 |
| Equity capital to assets | 9.6376% | 4,402 |
| Core capital (leverage) ratio | 9.6659% | 3,990 |
| Tier 1 risk-based capital ratio | 13.4542% | 4,803 |
| Total risk-based capital ratio | 14.2617% | 5,075 |
| Memoranda: | ||
| Average total assets | $273,484,330 | 2,336 |
| Average earning assets | $257,166,670 | 2,291 |
| Average equity | $24,168,670 | 2,753 |
| Average total loans | $141,944,670 | 2,688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5637% | 6,795 |
| Cost of funding earning assets | 0.1515% | 6,795 |
| Net interest margin | 2.4122% | 6,586 |
| Noninterest income to average assets | 0.1143% | 6,522 |
| Noninterest expense to average assets | 1.5207% | 6,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5897% | 4,270 |
| Return on assets (ROA) | 0.5897% | 4,419 |
| Pretax return on assets | 0.8845% | 3,816 |
| Return on Equity (ROE) | 6.9538% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.9538% | 2,178 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2258% | 5,126 |
| Assets per employee ($millions) | 14.9450% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.7338% | 4,745 |
| Net loans and leases to deposits | 56.9741% | 5,140 |
| Net loans and leases to core deposits | 60.4113% | 5,100 |
| Total domestic deposits to total assets | 90.8022% | 612 |
| Equity capital to assets | 9.0171% | 5,465 |
| Core capital (leverage) ratio | 8.9560% | 4,956 |
| Tier 1 risk-based capital ratio | 13.6050% | 4,793 |
| Total risk-based capital ratio | 14.4279% | 5,037 |
| Memoranda: | ||
| Average total assets | $283,550,500 | 2,299 |
| Average earning assets | $269,294,000 | 2,221 |
| Average equity | $24,044,500 | 2,801 |
| Average total loans | $139,374,500 | 2,737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8905% | 6,822 |
| Cost of funding earning assets | 0.1430% | 6,934 |
| Net interest margin | 2.7474% | 6,455 |
| Noninterest income to average assets | 0.1464% | 6,304 |
| Noninterest expense to average assets | 1.5767% | 6,824 |
| Loan and lease loss provision to assets | 0.0613% | 5,006 |
| Net operating income to assets | 0.7050% | 3,710 |
| Return on assets (ROA) | 0.7083% | 3,954 |
| Pretax return on assets | 1.0775% | 3,241 |
| Return on Equity (ROE) | 8.4545% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.4545% | 982 |
| Net charge-offs to loans | 0.0082% | 5,831 |
| Credit loss provision to net charge-offs | 1,427.2727% | 176 |
| Earnings coverage of net charge-offs (x) | 264.0909% | 148 |
| Efficiency ratio | 58.1713% | 5,804 |
| Assets per employee ($millions) | 17.5348% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 45.8498% | 5,632 |
| Net loans and leases to deposits | 49.8665% | 5,966 |
| Net loans and leases to core deposits | 50.7229% | 6,106 |
| Total domestic deposits to total assets | 91.9451% | 251 |
| Equity capital to assets | 7.9949% | 6,407 |
| Core capital (leverage) ratio | 9.8591% | 3,595 |
| Tier 1 risk-based capital ratio | 14.3903% | 4,101 |
| Total risk-based capital ratio | 15.2766% | 4,326 |
| Memoranda: | ||
| Average total assets | $256,230,800 | 2,476 |
| Average earning assets | $239,132,200 | 2,423 |
| Average equity | $21,467,800 | 3,043 |
| Average total loans | $133,508,400 | 2,818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 6,876 |
| Cost of funding earning assets | 0.1557% | 7,026 |
| Net interest margin | 2.8903% | 6,378 |
| Noninterest income to average assets | 0.1416% | 6,437 |
| Noninterest expense to average assets | 1.6574% | 6,822 |
| Loan and lease loss provision to assets | 0.0635% | 4,917 |
| Net operating income to assets | 0.7208% | 3,824 |
| Return on assets (ROA) | 0.7253% | 4,046 |
| Pretax return on assets | 1.1170% | 3,289 |
| Return on Equity (ROE) | 8.5388% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.5388% | 1,398 |
| Net charge-offs to loans | 0.0111% | 5,555 |
| Credit loss provision to net charge-offs | 1,063.6364% | 265 |
| Earnings coverage of net charge-offs (x) | 196.5869% | 229 |
| Efficiency ratio | 58.5473% | 5,713 |
| Assets per employee ($millions) | 14.1037% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 52.8710% | 4,933 |
| Net loans and leases to deposits | 58.7030% | 5,356 |
| Net loans and leases to core deposits | 59.6932% | 5,591 |
| Total domestic deposits to total assets | 90.0652% | 811 |
| Equity capital to assets | 9.7576% | 4,839 |
| Core capital (leverage) ratio | 9.6620% | 4,031 |
| Tier 1 risk-based capital ratio | 15.2663% | 3,663 |
| Total risk-based capital ratio | 16.2003% | 3,837 |
| Memoranda: | ||
| Average total assets | $245,765,750 | 2,595 |
| Average earning assets | $228,664,000 | 2,540 |
| Average equity | $20,876,750 | 3,128 |
| Average total loans | $132,353,750 | 2,868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 6,966 |
| Cost of funding earning assets | 0.1632% | 7,089 |
| Net interest margin | 2.8575% | 6,484 |
| Noninterest income to average assets | 0.1316% | 6,528 |
| Noninterest expense to average assets | 1.6451% | 6,887 |
| Loan and lease loss provision to assets | 0.0872% | 4,494 |
| Net operating income to assets | 0.6858% | 3,944 |
| Return on assets (ROA) | 0.6926% | 4,168 |
| Pretax return on assets | 1.0663% | 3,441 |
| Return on Equity (ROE) | 8.5640% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.5640% | 1,427 |
| Net charge-offs to loans | 0.0194% | 5,136 |
| Credit loss provision to net charge-offs | 830.7692% | 389 |
| Earnings coverage of net charge-offs (x) | 108.9231% | 394 |
| Efficiency ratio | 59.0041% | 5,730 |
| Assets per employee ($millions) | 15.7202% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.2639% | 4,922 |
| Net loans and leases to deposits | 58.7147% | 5,378 |
| Net loans and leases to core deposits | 59.7176% | 5,619 |
| Total domestic deposits to total assets | 90.7166% | 553 |
| Equity capital to assets | 9.0914% | 5,590 |
| Core capital (leverage) ratio | 9.2230% | 4,570 |
| Tier 1 risk-based capital ratio | 14.6580% | 3,989 |
| Total risk-based capital ratio | 15.5676% | 4,190 |
| Memoranda: | ||
| Average total assets | $247,766,670 | 2,571 |
| Average earning assets | $230,344,670 | 2,521 |
| Average equity | $20,037,330 | 3,217 |
| Average total loans | $133,745,670 | 2,858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0660% | 7,022 |
| Cost of funding earning assets | 0.1711% | 7,149 |
| Net interest margin | 2.8949% | 6,496 |
| Noninterest income to average assets | 0.1350% | 6,577 |
| Noninterest expense to average assets | 1.6918% | 6,908 |
| Loan and lease loss provision to assets | 0.1269% | 3,757 |
| Net operating income to assets | 0.6572% | 4,096 |
| Return on assets (ROA) | 0.6572% | 4,308 |
| Pretax return on assets | 1.0135% | 3,634 |
| Return on Equity (ROE) | 8.6777% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.6777% | 1,707 |
| Net charge-offs to loans | 0.0391% | 4,148 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 53.9231% | 598 |
| Efficiency ratio | 59.7358% | 5,658 |
| Assets per employee ($millions) | 16.7909% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 6,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.5601% | 4,943 |
| Net loans and leases to deposits | 56.8797% | 5,503 |
| Net loans and leases to core deposits | 57.7232% | 5,737 |
| Total domestic deposits to total assets | 92.4058% | 204 |
| Equity capital to assets | 7.4755% | 6,791 |
| Core capital (leverage) ratio | 7.6154% | 6,560 |
| Tier 1 risk-based capital ratio | 11.9391% | 6,000 |
| Total risk-based capital ratio | 12.8198% | 6,218 |
| Memoranda: | ||
| Average total assets | $245,888,500 | 2,599 |
| Average earning assets | $229,090,500 | 2,543 |
| Average equity | $18,622,500 | 3,404 |
| Average total loans | $132,932,000 | 2,892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0131% | 7,174 |
| Cost of funding earning assets | 0.2469% | 7,182 |
| Net interest margin | 2.7661% | 6,861 |
| Noninterest income to average assets | 0.1351% | 6,478 |
| Noninterest expense to average assets | 1.7730% | 6,986 |
| Loan and lease loss provision to assets | 0.1103% | 5,209 |
| Net operating income to assets | 0.6452% | 3,761 |
| Return on assets (ROA) | 0.6671% | 3,837 |
| Pretax return on assets | 0.8858% | 3,655 |
| Return on Equity (ROE) | 7.9929% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.9929% | 1,081 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7090% | 5,004 |
| Assets per employee ($millions) | 15.9942% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,271 |
| Loan loss allowance to noncurrent loans | 10,053.8462% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,985 |
| Noncurrent loans to loans | 0.0098% | 6,830 |
| Net loans and leases to total assets | 54.5218% | 4,944 |
| Net loans and leases to deposits | 59.0955% | 5,590 |
| Net loans and leases to core deposits | 60.0753% | 5,841 |
| Total domestic deposits to total assets | 92.2605% | 205 |
| Equity capital to assets | 7.6765% | 6,734 |
| Core capital (leverage) ratio | 7.8704% | 6,381 |
| Tier 1 risk-based capital ratio | 11.9411% | 5,870 |
| Total risk-based capital ratio | 12.8002% | 6,113 |
| Memoranda: | ||
| Average total assets | $209,422,800 | 2,949 |
| Average earning assets | $197,208,200 | 2,888 |
| Average equity | $17,478,000 | 3,505 |
| Average total loans | $115,583,200 | 3,263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0185% | 7,256 |
| Cost of funding earning assets | 0.2625% | 7,266 |
| Net interest margin | 2.7560% | 6,938 |
| Noninterest income to average assets | 0.1341% | 6,579 |
| Noninterest expense to average assets | 1.8169% | 6,973 |
| Loan and lease loss provision to assets | 0.0733% | 5,534 |
| Net operating income to assets | 0.6668% | 3,790 |
| Return on assets (ROA) | 0.6990% | 3,795 |
| Pretax return on assets | 0.8781% | 3,850 |
| Return on Equity (ROE) | 8.1808% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.1808% | 1,436 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6021% | 4,606 |
| Assets per employee ($millions) | 14.6441% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.7804% | 5,197 |
| Net loans and leases to deposits | 58.6849% | 5,779 |
| Net loans and leases to core deposits | 60.2471% | 5,972 |
| Total domestic deposits to total assets | 91.6426% | 270 |
| Equity capital to assets | 8.1666% | 6,586 |
| Core capital (leverage) ratio | 8.3574% | 5,914 |
| Tier 1 risk-based capital ratio | 13.3102% | 4,874 |
| Total risk-based capital ratio | 14.2062% | 5,097 |
| Memoranda: | ||
| Average total assets | $201,800,250 | 3,053 |
| Average earning assets | $189,933,250 | 2,977 |
| Average equity | $17,243,250 | 3,546 |
| Average total loans | $111,451,000 | 3,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 7,331 |
| Cost of funding earning assets | 0.2619% | 7,351 |
| Net interest margin | 2.7841% | 6,942 |
| Noninterest income to average assets | 0.1195% | 6,733 |
| Noninterest expense to average assets | 1.8331% | 7,040 |
| Loan and lease loss provision to assets | 0.0725% | 5,401 |
| Net operating income to assets | 0.7409% | 3,332 |
| Return on assets (ROA) | 0.7455% | 3,434 |
| Pretax return on assets | 0.8353% | 3,886 |
| Return on Equity (ROE) | 8.5825% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.5825% | 1,238 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0026% | 4,698 |
| Assets per employee ($millions) | 15.3799% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.3260% | 4,758 |
| Net loans and leases to deposits | 62.9989% | 5,394 |
| Net loans and leases to core deposits | 65.1270% | 5,597 |
| Total domestic deposits to total assets | 90.9953% | 502 |
| Equity capital to assets | 8.8502% | 5,764 |
| Core capital (leverage) ratio | 8.8380% | 4,985 |
| Tier 1 risk-based capital ratio | 12.1756% | 5,639 |
| Total risk-based capital ratio | 12.9850% | 5,986 |
| Memoranda: | ||
| Average total assets | $195,846,330 | 3,137 |
| Average earning assets | $184,045,330 | 3,072 |
| Average equity | $17,011,330 | 3,567 |
| Average total loans | $108,827,330 | 3,486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9810% | 7,401 |
| Cost of funding earning assets | 0.2586% | 7,428 |
| Net interest margin | 2.7223% | 6,991 |
| Noninterest income to average assets | 0.1115% | 6,857 |
| Noninterest expense to average assets | 1.8762% | 7,032 |
| Loan and lease loss provision to assets | 0.0722% | 5,097 |
| Net operating income to assets | 0.7265% | 3,395 |
| Return on assets (ROA) | 0.7265% | 3,457 |
| Pretax return on assets | 0.7265% | 4,195 |
| Return on Equity (ROE) | 8.4466% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.4466% | 1,574 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1389% | 4,232 |
| Assets per employee ($millions) | 13.6739% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.7531% | 5,035 |
| Net loans and leases to deposits | 61.2749% | 5,591 |
| Net loans and leases to core deposits | 62.5302% | 5,876 |
| Total domestic deposits to total assets | 90.9886% | 632 |
| Equity capital to assets | 8.8328% | 5,444 |
| Core capital (leverage) ratio | 8.9059% | 4,762 |
| Tier 1 risk-based capital ratio | 12.7838% | 4,987 |
| Total risk-based capital ratio | 13.6276% | 5,355 |
| Memoranda: | ||
| Average total assets | $193,800,000 | 3,192 |
| Average earning assets | $182,491,500 | 3,103 |
| Average equity | $16,669,500 | 3,612 |
| Average total loans | $105,359,000 | 3,591 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 7,472 |
| Cost of funding earning assets | 0.3811% | 7,447 |
| Net interest margin | 2.7452% | 7,088 |
| Noninterest income to average assets | 0.1513% | 6,634 |
| Noninterest expense to average assets | 1.9633% | 7,078 |
| Loan and lease loss provision to assets | 0.2729% | 4,619 |
| Net operating income to assets | 0.4847% | 4,173 |
| Return on assets (ROA) | 0.5109% | 4,200 |
| Pretax return on assets | 0.5109% | 4,586 |
| Return on Equity (ROE) | 5.5062% | 3,835 |
| Retained earnings to average equity (ytd only) | 5.5062% | 2,106 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1557% | 3,766 |
| Assets per employee ($millions) | 15.0896% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.8951% | 5,922 |
| Net loans and leases to deposits | 56.6809% | 6,381 |
| Net loans and leases to core deposits | 57.6957% | 6,585 |
| Total domestic deposits to total assets | 91.5566% | 386 |
| Equity capital to assets | 8.3756% | 6,037 |
| Core capital (leverage) ratio | 8.8202% | 4,828 |
| Tier 1 risk-based capital ratio | 11.7803% | 5,668 |
| Total risk-based capital ratio | 12.5510% | 6,076 |
| Memoranda: | ||
| Average total assets | $171,851,200 | 3,501 |
| Average earning assets | $160,861,600 | 3,434 |
| Average equity | $15,945,800 | 3,777 |
| Average total loans | $92,287,200 | 4,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1478% | 7,603 |
| Cost of funding earning assets | 0.4182% | 7,547 |
| Net interest margin | 2.7296% | 7,202 |
| Noninterest income to average assets | 0.1576% | 6,739 |
| Noninterest expense to average assets | 1.9963% | 7,052 |
| Loan and lease loss provision to assets | 0.2928% | 4,236 |
| Net operating income to assets | 0.4198% | 4,662 |
| Return on assets (ROA) | 0.4560% | 4,701 |
| Pretax return on assets | 0.4560% | 5,058 |
| Return on Equity (ROE) | 4.7772% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.7772% | 3,143 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6936% | 3,381 |
| Assets per employee ($millions) | 15.5069% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.1264% | 5,835 |
| Net loans and leases to deposits | 59.4194% | 6,358 |
| Net loans and leases to core deposits | 60.5379% | 6,568 |
| Total domestic deposits to total assets | 91.0921% | 413 |
| Equity capital to assets | 8.7155% | 5,986 |
| Core capital (leverage) ratio | 9.0624% | 4,585 |
| Tier 1 risk-based capital ratio | 11.8362% | 5,600 |
| Total risk-based capital ratio | 12.5496% | 6,096 |
| Memoranda: | ||
| Average total assets | $165,772,750 | 3,655 |
| Average earning assets | $154,939,000 | 3,598 |
| Average equity | $15,824,750 | 3,839 |
| Average total loans | $89,640,000 | 4,128 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1301% | 7,692 |
| Cost of funding earning assets | 0.4473% | 7,609 |
| Net interest margin | 2.6827% | 7,277 |
| Noninterest income to average assets | 0.1585% | 6,760 |
| Noninterest expense to average assets | 2.0566% | 7,005 |
| Loan and lease loss provision to assets | 0.2138% | 4,749 |
| Net operating income to assets | 0.3924% | 4,784 |
| Return on assets (ROA) | 0.3962% | 4,932 |
| Pretax return on assets | 0.3962% | 5,242 |
| Return on Equity (ROE) | 4.0144% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.0144% | 3,526 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2319% | 2,853 |
| Assets per employee ($millions) | 13.9173% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 6,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.8956% | 5,859 |
| Net loans and leases to deposits | 60.7857% | 6,333 |
| Net loans and leases to core deposits | 61.9665% | 6,551 |
| Total domestic deposits to total assets | 90.3100% | 761 |
| Equity capital to assets | 9.5486% | 4,636 |
| Core capital (leverage) ratio | 9.5199% | 3,789 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,877 |
| Total risk-based capital ratio | 14.4788% | 4,223 |
| Memoranda: | ||
| Average total assets | $159,002,670 | 3,811 |
| Average earning assets | $148,430,330 | 3,732 |
| Average equity | $15,693,670 | 3,857 |
| Average total loans | $85,623,000 | 4,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0220% | 7,803 |
| Cost of funding earning assets | 0.4681% | 7,715 |
| Net interest margin | 2.5539% | 7,426 |
| Noninterest income to average assets | 0.1755% | 6,705 |
| Noninterest expense to average assets | 2.0877% | 6,976 |
| Loan and lease loss provision to assets | 0.1419% | 5,132 |
| Net operating income to assets | 0.3252% | 5,189 |
| Return on assets (ROA) | 0.3252% | 5,318 |
| Pretax return on assets | 0.3252% | 5,537 |
| Return on Equity (ROE) | 3.2376% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.2376% | 4,208 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7172% | 2,310 |
| Assets per employee ($millions) | 13.0485% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 7,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.0929% | 6,143 |
| Net loans and leases to deposits | 59.0415% | 6,552 |
| Net loans and leases to core deposits | 60.2547% | 6,722 |
| Total domestic deposits to total assets | 89.9248% | 1,028 |
| Equity capital to assets | 9.9865% | 3,894 |
| Core capital (leverage) ratio | 10.0642% | 3,081 |
| Tier 1 risk-based capital ratio | 14.8985% | 3,151 |
| Total risk-based capital ratio | 15.5293% | 3,464 |
| Memoranda: | ||
| Average total assets | $155,000,000 | 3,930 |
| Average earning assets | $144,407,000 | 3,864 |
| Average equity | $15,567,000 | 3,900 |
| Average total loans | $82,206,000 | 4,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 7,862 |
| Cost of funding earning assets | 0.6206% | 7,763 |
| Net interest margin | 2.5708% | 7,355 |
| Noninterest income to average assets | 0.1847% | 6,769 |
| Noninterest expense to average assets | 2.3669% | 6,559 |
| Loan and lease loss provision to assets | 0.0874% | 6,739 |
| Net operating income to assets | 0.1493% | 5,051 |
| Return on assets (ROA) | 0.1757% | 5,047 |
| Pretax return on assets | 0.1344% | 5,147 |
| Return on Equity (ROE) | 1.3891% | 5,121 |
| Retained earnings to average equity (ytd only) | 1.3891% | 4,087 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3721% | 1,532 |
| Assets per employee ($millions) | 12.7848% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 7,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.1510% | 6,408 |
| Net loans and leases to deposits | 58.0326% | 6,785 |
| Net loans and leases to core deposits | 61.8016% | 7,199 |
| Total domestic deposits to total assets | 89.8649% | 1,030 |
| Equity capital to assets | 10.1012% | 3,617 |
| Core capital (leverage) ratio | 10.2036% | 2,883 |
| Tier 1 risk-based capital ratio | 15.2554% | 2,822 |
| Total risk-based capital ratio | 15.8535% | 3,102 |
| Memoranda: | ||
| Average total assets | $121,257,000 | 4,528 |
| Average earning assets | $112,142,400 | 4,506 |
| Average equity | $15,333,200 | 4,007 |
| Average total loans | $66,511,400 | 5,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 7,963 |
| Cost of funding earning assets | 0.6500% | 7,859 |
| Net interest margin | 2.5631% | 7,394 |
| Noninterest income to average assets | 0.1884% | 6,867 |
| Noninterest expense to average assets | 2.4660% | 6,194 |
| Loan and lease loss provision to assets | 0.0530% | 6,848 |
| Net operating income to assets | 0.0919% | 5,486 |
| Return on assets (ROA) | 0.1295% | 5,444 |
| Pretax return on assets | 0.0707% | 5,582 |
| Return on Equity (ROE) | 0.9590% | 5,511 |
| Retained earnings to average equity (ytd only) | 0.9590% | 4,774 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6313% | 1,237 |
| Assets per employee ($millions) | 12.6338% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 7,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.3413% | 6,671 |
| Net loans and leases to deposits | 57.2576% | 7,010 |
| Net loans and leases to core deposits | 60.9050% | 7,366 |
| Total domestic deposits to total assets | 89.6672% | 902 |
| Equity capital to assets | 10.1263% | 3,931 |
| Core capital (leverage) ratio | 10.6517% | 2,667 |
| Tier 1 risk-based capital ratio | 15.5723% | 2,780 |
| Total risk-based capital ratio | 16.1260% | 3,041 |
| Memoranda: | ||
| Average total assets | $113,216,750 | 4,778 |
| Average earning assets | $104,401,250 | 4,756 |
| Average equity | $15,292,250 | 4,048 |
| Average total loans | $62,985,250 | 5,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 8,045 |
| Cost of funding earning assets | 0.6651% | 7,944 |
| Net interest margin | 2.7366% | 7,129 |
| Noninterest income to average assets | 0.1992% | 6,865 |
| Noninterest expense to average assets | 2.7405% | 5,219 |
| Loan and lease loss provision to assets | 0.0398% | 6,836 |
| Net operating income to assets | 0.0409% | 5,727 |
| Return on assets (ROA) | 0.0817% | 5,711 |
| Pretax return on assets | -0.0179% | 5,887 |
| Return on Equity (ROE) | 0.5369% | 5,774 |
| Retained earnings to average equity (ytd only) | 0.5369% | 4,985 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5498% | 1,103 |
| Assets per employee ($millions) | 10.2021% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 7,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.3314% | 6,055 |
| Net loans and leases to deposits | 66.5422% | 6,344 |
| Net loans and leases to core deposits | 71.8623% | 6,908 |
| Total domestic deposits to total assets | 86.1579% | 2,704 |
| Equity capital to assets | 13.5997% | 1,461 |
| Core capital (leverage) ratio | 14.5372% | 1,015 |
| Tier 1 risk-based capital ratio | 18.3167% | 1,929 |
| Total risk-based capital ratio | 18.9419% | 2,044 |
| Memoranda: | ||
| Average total assets | $100,420,670 | 5,153 |
| Average earning assets | $91,720,670 | 5,135 |
| Average equity | $15,272,330 | 4,068 |
| Average total loans | $57,853,000 | 5,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5261% | 8,089 |
| Cost of funding earning assets | 0.7127% | 7,984 |
| Net interest margin | 2.8135% | 6,963 |
| Noninterest income to average assets | 0.1735% | 7,066 |
| Noninterest expense to average assets | 2.6365% | 5,290 |
| Loan and lease loss provision to assets | 0.0423% | 6,442 |
| Net operating income to assets | 0.0508% | 6,127 |
| Return on assets (ROA) | 0.0508% | 6,275 |
| Pretax return on assets | 0.0508% | 6,277 |
| Return on Equity (ROE) | 0.3142% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.3142% | 5,533 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5891% | 1,290 |
| Assets per employee ($millions) | 10.5422% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 6,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.9827% | 5,167 |
| Net loans and leases to deposits | 75.1796% | 5,320 |
| Net loans and leases to core deposits | 81.1852% | 6,299 |
| Total domestic deposits to total assets | 83.7763% | 3,815 |
| Equity capital to assets | 16.0866% | 861 |
| Core capital (leverage) ratio | 15.7355% | 820 |
| Tier 1 risk-based capital ratio | 20.1724% | 1,589 |
| Total risk-based capital ratio | 20.8499% | 1,650 |
| Memoranda: | ||
| Average total assets | $94,519,500 | 5,353 |
| Average earning assets | $85,873,000 | 5,363 |
| Average equity | $15,277,500 | 4,087 |
| Average total loans | $54,349,500 | 5,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 8,104 |
| Cost of funding earning assets | 1.2568% | 7,885 |
| Net interest margin | 2.7364% | 7,437 |
| Noninterest income to average assets | 0.1944% | 7,066 |
| Noninterest expense to average assets | 3.3624% | 2,788 |
| Loan and lease loss provision to assets | 0.2575% | 4,341 |
| Net operating income to assets | -0.9758% | 7,237 |
| Return on assets (ROA) | -0.8097% | 7,047 |
| Pretax return on assets | -0.8097% | 6,887 |
| Return on Equity (ROE) | -4.0775% | 6,752 |
| Retained earnings to average equity (ytd only) | -4.0775% | 6,338 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1665% | 491 |
| Assets per employee ($millions) | 8.5599% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 5,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.9022% | 6,944 |
| Net loans and leases to deposits | 60.8105% | 7,028 |
| Net loans and leases to core deposits | 65.5628% | 7,377 |
| Total domestic deposits to total assets | 83.7063% | 3,475 |
| Equity capital to assets | 16.2406% | 891 |
| Core capital (leverage) ratio | 16.8398% | 717 |
| Tier 1 risk-based capital ratio | 23.3275% | 1,159 |
| Total risk-based capital ratio | 24.0959% | 1,183 |
| Memoranda: | ||
| Average total assets | $77,683,600 | 5,780 |
| Average earning assets | $69,543,600 | 5,838 |
| Average equity | $15,426,000 | 4,044 |
| Average total loans | $36,761,400 | 6,332 |