Home > Round Top State Bank > Performance and Condition Ratios
Round Top State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 3,643 |
| Cost of funding earning assets | 1.4198% | 2,174 |
| Net interest margin | 2.7714% | 3,715 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.6476% | 4,194 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9892% | 2,255 |
| Return on assets (ROA) | 0.9900% | 2,231 |
| Pretax return on assets | 1.2065% | 2,120 |
| Return on Equity (ROE) | 12.4000% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.5073% | 906 |
| Net charge-offs to loans | 0.0026% | 2,698 |
| Credit loss provision to net charge-offs | 928.5714% | 435 |
| Earnings coverage of net charge-offs (x) | 750.5714% | 191 |
| Efficiency ratio | 57.4420% | 3,350 |
| Assets per employee ($millions) | 10.9949% | 528 |
| Cash dividends to net income (ytd only)* | 15.2546% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 3,698 |
| 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 | 62.2800% | 2,652 |
| Net loans and leases to deposits | 68.3271% | 3,003 |
| Net loans and leases to core deposits | 79.3151% | 2,749 |
| Total domestic deposits to total assets | 91.1500% | 464 |
| Equity capital to assets | 8.6221% | 2,952 |
| Core capital (leverage) ratio | 11.1815% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $860,812,200 | 1,119 |
| Average earning assets | $830,134,000 | 1,084 |
| Average equity | $68,733,400 | 1,266 |
| Average total loans | $529,334,600 | 1,182 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 3,704 |
| Cost of funding earning assets | 1.1390% | 2,169 |
| Net interest margin | 2.8537% | 3,724 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.6533% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0663% | 2,219 |
| Return on assets (ROA) | 1.0678% | 2,211 |
| Pretax return on assets | 1.3030% | 2,075 |
| Return on Equity (ROE) | 13.5800% | 1,775 |
| Retained earnings to average equity (ytd only) | 13.5751% | 735 |
| Net charge-offs to loans | 0.0042% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 507.4545% | 290 |
| Efficiency ratio | 55.9606% | 3,423 |
| Assets per employee ($millions) | 10.2381% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 3,709 |
| Loan loss allowance to noncurrent loans | 44,263.6364% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,896 |
| Noncurrent loans to loans | 0.0021% | 3,821 |
| Net loans and leases to total assets | 61.5500% | 2,620 |
| Net loans and leases to deposits | 67.0612% | 2,988 |
| Net loans and leases to core deposits | 76.4642% | 2,731 |
| Total domestic deposits to total assets | 91.7800% | 459 |
| Equity capital to assets | 8.0394% | 3,181 |
| Core capital (leverage) ratio | 11.0151% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $858,038,667 | 1,117 |
| Average earning assets | $827,910,667 | 1,080 |
| Average equity | $67,491,333 | 1,273 |
| Average total loans | $518,647,000 | 1,181 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,791 |
| Cost of funding earning assets | 1.0163% | 1,994 |
| Net interest margin | 2.8179% | 3,926 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.6062% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0747% | 2,304 |
| Return on assets (ROA) | 1.0777% | 2,268 |
| Pretax return on assets | 1.3148% | 2,138 |
| Return on Equity (ROE) | 13.8500% | 1,807 |
| Retained earnings to average equity (ytd only) | 13.8523% | 959 |
| Net charge-offs to loans | 0.0101% | 1,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 217.3846% | 482 |
| Efficiency ratio | 55.0573% | 3,499 |
| Assets per employee ($millions) | 10.3509% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,742 |
| 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 | 58.7700% | 2,789 |
| Net loans and leases to deposits | 64.1204% | 3,074 |
| Net loans and leases to core deposits | 72.8850% | 2,753 |
| Total domestic deposits to total assets | 91.6600% | 602 |
| Equity capital to assets | 8.1298% | 3,155 |
| Core capital (leverage) ratio | 10.8657% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $862,177,000 | 1,128 |
| Average earning assets | $832,392,000 | 1,090 |
| Average equity | $67,079,000 | 1,288 |
| Average total loans | $514,024,000 | 1,202 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 2,937 |
| Cost of funding earning assets | 0.5108% | 1,314 |
| Net interest margin | 3.0407% | 3,325 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.4975% | 4,428 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2694% | 1,530 |
| Return on assets (ROA) | 1.2694% | 1,482 |
| Pretax return on assets | 1.5466% | 1,304 |
| Return on Equity (ROE) | 15.5000% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.1525% | 642 |
| Net charge-offs to loans | 0.0010% | 2,539 |
| Credit loss provision to net charge-offs | 12,800.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 2,735.0000% | 53 |
| Efficiency ratio | 47.9959% | 4,238 |
| Assets per employee ($millions) | 10.0574% | 660 |
| Cash dividends to net income (ytd only)* | 21.6095% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,591 |
| Loan loss allowance to noncurrent loans | 48,800.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,942 |
| Noncurrent loans to loans | 0.0020% | 3,877 |
| Net loans and leases to total assets | 59.3400% | 2,696 |
| Net loans and leases to deposits | 64.1662% | 3,030 |
| Net loans and leases to core deposits | 71.8159% | 2,739 |
| Total domestic deposits to total assets | 92.4800% | 528 |
| Equity capital to assets | 7.4246% | 3,418 |
| Core capital (leverage) ratio | 10.4834% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $842,831,000 | 1,143 |
| Average earning assets | $814,380,600 | 1,091 |
| Average equity | $69,014,800 | 1,268 |
| Average total loans | $479,682,600 | 1,211 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4386% | 2,809 |
| Cost of funding earning assets | 0.4194% | 1,159 |
| Net interest margin | 3.0192% | 3,167 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.4820% | 4,442 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2706% | 1,455 |
| Return on assets (ROA) | 1.2706% | 1,419 |
| Pretax return on assets | 1.5546% | 1,250 |
| Return on Equity (ROE) | 15.1600% | 1,138 |
| Retained earnings to average equity (ytd only) | 15.1567% | 350 |
| Net charge-offs to loans | -0.0014% | 3,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.7079% | 4,290 |
| Assets per employee ($millions) | 10.1613% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,712 |
| Loan loss allowance to noncurrent loans | 469,000.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 4,050 |
| Noncurrent loans to loans | 0.0002% | 3,989 |
| Net loans and leases to total assets | 57.6600% | 2,742 |
| Net loans and leases to deposits | 62.2753% | 3,000 |
| Net loans and leases to core deposits | 69.4514% | 2,684 |
| Total domestic deposits to total assets | 92.5900% | 684 |
| Equity capital to assets | 7.2714% | 3,360 |
| Core capital (leverage) ratio | 10.5887% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $839,819,750 | 1,153 |
| Average earning assets | $811,945,000 | 1,103 |
| Average equity | $70,400,750 | 1,258 |
| Average total loans | $471,565,500 | 1,226 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3169% | 2,685 |
| Cost of funding earning assets | 0.3703% | 1,109 |
| Net interest margin | 2.9465% | 3,043 |
| Noninterest income to average assets | 0.2090% | 3,948 |
| Noninterest expense to average assets | 1.4860% | 4,434 |
| Loan and lease loss provision to assets | 0.0742% | 1,300 |
| Net operating income to assets | 1.2284% | 1,335 |
| Return on assets (ROA) | 1.2284% | 1,318 |
| Pretax return on assets | 1.5009% | 1,164 |
| Return on Equity (ROE) | 14.0204% | 1,112 |
| Retained earnings to average equity (ytd only) | 14.0204% | 359 |
| Net charge-offs to loans | -0.0022% | 3,146 |
| Credit loss provision to net charge-offs | -6,200.0000% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5451% | 4,328 |
| Assets per employee ($millions) | 10.3017% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 3,824 |
| Loan loss allowance to noncurrent loans | 7,475.4098% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,972 |
| Noncurrent loans to loans | 0.0126% | 3,883 |
| Net loans and leases to total assets | 56.7170% | 2,676 |
| Net loans and leases to deposits | 61.3986% | 2,938 |
| Net loans and leases to core deposits | 67.5444% | 2,695 |
| Total domestic deposits to total assets | 92.3752% | 700 |
| Equity capital to assets | 7.5089% | 3,469 |
| Core capital (leverage) ratio | 10.5234% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $835,242,667 | 1,155 |
| Average earning assets | $808,473,667 | 1,111 |
| Average equity | $73,179,333 | 1,257 |
| Average total loans | $463,137,333 | 1,237 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2434% | 2,554 |
| Cost of funding earning assets | 0.3675% | 1,076 |
| Net interest margin | 2.8759% | 2,909 |
| Noninterest income to average assets | 0.2081% | 3,914 |
| Noninterest expense to average assets | 1.5027% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2234% | 1,189 |
| Return on assets (ROA) | 1.2234% | 1,171 |
| Pretax return on assets | 1.4945% | 1,031 |
| Return on Equity (ROE) | 13.0167% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.0167% | 467 |
| Net charge-offs to loans | -0.0044% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1366% | 4,308 |
| Assets per employee ($millions) | 10.2098% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 3,957 |
| 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 | 54.0995% | 2,746 |
| Net loans and leases to deposits | 59.3371% | 2,967 |
| Net loans and leases to core deposits | 65.7255% | 2,658 |
| Total domestic deposits to total assets | 91.1731% | 943 |
| Equity capital to assets | 8.6654% | 3,012 |
| Core capital (leverage) ratio | 10.4182% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $830,494,500 | 1,156 |
| Average earning assets | $805,443,000 | 1,118 |
| Average equity | $78,053,500 | 1,220 |
| Average total loans | $452,870,500 | 1,252 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 2,818 |
| Cost of funding earning assets | 0.4402% | 1,262 |
| Net interest margin | 3.0050% | 3,182 |
| Noninterest income to average assets | 0.1951% | 4,197 |
| Noninterest expense to average assets | 1.5041% | 4,543 |
| Loan and lease loss provision to assets | 0.0324% | 2,403 |
| Net operating income to assets | 1.2768% | 1,671 |
| Return on assets (ROA) | 1.2994% | 1,646 |
| Pretax return on assets | 1.5984% | 1,423 |
| Return on Equity (ROE) | 12.2817% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.2035% | 865 |
| Net charge-offs to loans | 0.0005% | 2,686 |
| Credit loss provision to net charge-offs | 12,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 6,189.5000% | 18 |
| Efficiency ratio | 48.2851% | 4,386 |
| Assets per employee ($millions) | 9.6916% | 732 |
| Cash dividends to net income (ytd only)* | 16.9208% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,947 |
| Loan loss allowance to noncurrent loans | 424,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,099 |
| Noncurrent loans to loans | 0.0002% | 4,143 |
| Net loans and leases to total assets | 53.9368% | 2,861 |
| Net loans and leases to deposits | 60.0732% | 3,064 |
| Net loans and leases to core deposits | 66.9946% | 2,732 |
| Total domestic deposits to total assets | 89.7851% | 1,070 |
| Equity capital to assets | 10.1434% | 2,525 |
| Core capital (leverage) ratio | 10.3823% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $772,293,600 | 1,191 |
| Average earning assets | $748,364,600 | 1,153 |
| Average equity | $81,707,000 | 1,185 |
| Average total loans | $441,580,200 | 1,284 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 2,823 |
| Cost of funding earning assets | 0.4573% | 1,303 |
| Net interest margin | 3.0485% | 3,182 |
| Noninterest income to average assets | 0.2017% | 4,189 |
| Noninterest expense to average assets | 1.5173% | 4,575 |
| Loan and lease loss provision to assets | 0.0263% | 2,472 |
| Net operating income to assets | 1.3130% | 1,783 |
| Return on assets (ROA) | 1.3440% | 1,758 |
| Pretax return on assets | 1.6477% | 1,559 |
| Return on Equity (ROE) | 12.5627% | 1,843 |
| Retained earnings to average equity (ytd only) | 12.5627% | 708 |
| Net charge-offs to loans | 0.0006% | 2,432 |
| Credit loss provision to net charge-offs | 7,500.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 4,660.0000% | 27 |
| Efficiency ratio | 48.0681% | 4,360 |
| Assets per employee ($millions) | 9.7458% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 4,106 |
| Loan loss allowance to noncurrent loans | 6,007.2464% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,190 |
| Noncurrent loans to loans | 0.0153% | 4,091 |
| Net loans and leases to total assets | 55.3100% | 2,816 |
| Net loans and leases to deposits | 61.9037% | 3,053 |
| Net loans and leases to core deposits | 68.9057% | 2,693 |
| Total domestic deposits to total assets | 89.3484% | 1,099 |
| Equity capital to assets | 10.5200% | 2,444 |
| Core capital (leverage) ratio | 10.6047% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $759,420,750 | 1,223 |
| Average earning assets | $735,336,000 | 1,182 |
| Average equity | $81,243,750 | 1,211 |
| Average total loans | $439,833,250 | 1,305 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 2,908 |
| Cost of funding earning assets | 0.4823% | 1,306 |
| Net interest margin | 3.0118% | 3,289 |
| Noninterest income to average assets | 0.1941% | 4,228 |
| Noninterest expense to average assets | 1.5345% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2827% | 1,915 |
| Return on assets (ROA) | 1.3301% | 1,837 |
| Pretax return on assets | 1.6306% | 1,653 |
| Return on Equity (ROE) | 12.3588% | 1,928 |
| Retained earnings to average equity (ytd only) | 12.3588% | 840 |
| Net charge-offs to loans | 0.0009% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2,921.0000% | 27 |
| Efficiency ratio | 49.3155% | 4,289 |
| Assets per employee ($millions) | 9.2533% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,167 |
| Loan loss allowance to noncurrent loans | 7,833.3333% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,269 |
| Noncurrent loans to loans | 0.0114% | 4,185 |
| Net loans and leases to total assets | 56.9020% | 2,792 |
| Net loans and leases to deposits | 63.7081% | 3,031 |
| Net loans and leases to core deposits | 71.3426% | 2,660 |
| Total domestic deposits to total assets | 89.3167% | 1,132 |
| Equity capital to assets | 10.5430% | 2,359 |
| Core capital (leverage) ratio | 10.7606% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $742,926,000 | 1,235 |
| Average earning assets | $718,585,333 | 1,203 |
| Average equity | $79,959,333 | 1,220 |
| Average total loans | $435,927,667 | 1,317 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3963% | 3,205 |
| Cost of funding earning assets | 0.5225% | 1,258 |
| Net interest margin | 2.8738% | 3,584 |
| Noninterest income to average assets | 0.1901% | 4,247 |
| Noninterest expense to average assets | 1.5278% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1859% | 2,209 |
| Return on assets (ROA) | 1.2831% | 1,952 |
| Pretax return on assets | 1.5669% | 1,814 |
| Return on Equity (ROE) | 11.7926% | 2,094 |
| Retained earnings to average equity (ytd only) | 11.7926% | 1,205 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1852% | 4,077 |
| Assets per employee ($millions) | 9.3862% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,114 |
| Loan loss allowance to noncurrent loans | 7,994.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,341 |
| Noncurrent loans to loans | 0.0114% | 4,253 |
| Net loans and leases to total assets | 58.3739% | 2,758 |
| Net loans and leases to deposits | 65.5400% | 2,968 |
| Net loans and leases to core deposits | 73.9858% | 2,514 |
| Total domestic deposits to total assets | 89.0660% | 1,307 |
| Equity capital to assets | 10.7303% | 2,054 |
| Core capital (leverage) ratio | 11.0297% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $725,749,000 | 1,250 |
| Average earning assets | $703,597,000 | 1,204 |
| Average equity | $78,964,500 | 1,224 |
| Average total loans | $430,750,000 | 1,331 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 3,084 |
| Cost of funding earning assets | 0.7954% | 1,231 |
| Net interest margin | 3.0831% | 3,666 |
| Noninterest income to average assets | 0.2382% | 4,074 |
| Noninterest expense to average assets | 1.7248% | 4,589 |
| Loan and lease loss provision to assets | 0.1595% | 2,379 |
| Net operating income to assets | 1.0938% | 1,950 |
| Return on assets (ROA) | 1.2239% | 1,581 |
| Pretax return on assets | 1.5030% | 1,321 |
| Return on Equity (ROE) | 10.6765% | 1,752 |
| Retained earnings to average equity (ytd only) | 8.6089% | 876 |
| Net charge-offs to loans | 0.0372% | 2,309 |
| Credit loss provision to net charge-offs | 681.1688% | 1,008 |
| Earnings coverage of net charge-offs (x) | 64.1494% | 1,038 |
| Efficiency ratio | 53.2369% | 4,289 |
| Assets per employee ($millions) | 9.1024% | 715 |
| Cash dividends to net income (ytd only)* | 19.3665% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,069 |
| Loan loss allowance to noncurrent loans | 7,012.2807% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 4,402 |
| Noncurrent loans to loans | 0.0134% | 4,318 |
| Net loans and leases to total assets | 59.2486% | 2,955 |
| Net loans and leases to deposits | 66.6833% | 3,210 |
| Net loans and leases to core deposits | 75.3508% | 2,788 |
| Total domestic deposits to total assets | 88.8508% | 1,050 |
| Equity capital to assets | 11.0372% | 2,223 |
| Core capital (leverage) ratio | 10.7955% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $657,746,200 | 1,242 |
| Average earning assets | $637,576,600 | 1,196 |
| Average equity | $75,399,000 | 1,212 |
| Average total loans | $413,574,600 | 1,314 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 2,920 |
| Cost of funding earning assets | 0.8554% | 1,229 |
| Net interest margin | 3.1620% | 3,587 |
| Noninterest income to average assets | 0.2478% | 3,993 |
| Noninterest expense to average assets | 1.7726% | 4,539 |
| Loan and lease loss provision to assets | 0.1342% | 2,674 |
| Net operating income to assets | 1.1382% | 1,858 |
| Return on assets (ROA) | 1.2874% | 1,492 |
| Pretax return on assets | 1.5894% | 1,215 |
| Return on Equity (ROE) | 11.1171% | 1,642 |
| Retained earnings to average equity (ytd only) | 10.9153% | 594 |
| Net charge-offs to loans | 0.0487% | 1,917 |
| Credit loss provision to net charge-offs | 432.6667% | 1,399 |
| Earnings coverage of net charge-offs (x) | 49.6200% | 1,199 |
| Efficiency ratio | 53.3096% | 4,219 |
| Assets per employee ($millions) | 8.9707% | 695 |
| Cash dividends to net income (ytd only)* | 1.8153% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,297 |
| Loan loss allowance to noncurrent loans | 1,003.0641% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,178 |
| Noncurrent loans to loans | 0.0823% | 4,040 |
| Net loans and leases to total assets | 63.4561% | 2,829 |
| Net loans and leases to deposits | 71.8846% | 3,140 |
| Net loans and leases to core deposits | 79.1591% | 2,914 |
| Total domestic deposits to total assets | 88.2750% | 1,074 |
| Equity capital to assets | 11.5286% | 1,984 |
| Core capital (leverage) ratio | 11.2062% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $644,685,750 | 1,248 |
| Average earning assets | $624,742,750 | 1,204 |
| Average equity | $74,658,000 | 1,215 |
| Average total loans | $410,804,500 | 1,314 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 2,786 |
| Cost of funding earning assets | 0.9128% | 1,315 |
| Net interest margin | 3.2813% | 3,433 |
| Noninterest income to average assets | 0.2546% | 3,947 |
| Noninterest expense to average assets | 1.7608% | 4,615 |
| Loan and lease loss provision to assets | 0.2053% | 2,002 |
| Net operating income to assets | 1.1815% | 1,692 |
| Return on assets (ROA) | 1.4097% | 1,183 |
| Pretax return on assets | 1.7494% | 894 |
| Return on Equity (ROE) | 12.1536% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.8455% | 476 |
| Net charge-offs to loans | 0.0756% | 1,496 |
| Credit loss provision to net charge-offs | 426.9737% | 1,348 |
| Earnings coverage of net charge-offs (x) | 34.7961% | 1,340 |
| Efficiency ratio | 51.0685% | 4,432 |
| Assets per employee ($millions) | 9.0850% | 663 |
| Cash dividends to net income (ytd only)* | 2.5353% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,187 |
| Loan loss allowance to noncurrent loans | 272.0333% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,550 |
| Noncurrent loans to loans | 0.3130% | 3,265 |
| Net loans and leases to total assets | 62.3418% | 3,086 |
| Net loans and leases to deposits | 70.6533% | 3,372 |
| Net loans and leases to core deposits | 77.9537% | 3,110 |
| Total domestic deposits to total assets | 88.2363% | 1,069 |
| Equity capital to assets | 11.4107% | 2,029 |
| Core capital (leverage) ratio | 11.2963% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $632,322,667 | 1,247 |
| Average earning assets | $612,624,000 | 1,201 |
| Average equity | $73,344,333 | 1,221 |
| Average total loans | $402,329,667 | 1,316 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 3,281 |
| Cost of funding earning assets | 0.9867% | 1,479 |
| Net interest margin | 3.1950% | 3,871 |
| Noninterest income to average assets | 0.2783% | 3,855 |
| Noninterest expense to average assets | 1.7833% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2790% | 1,302 |
| Return on assets (ROA) | 1.3261% | 1,265 |
| Pretax return on assets | 1.6455% | 967 |
| Return on Equity (ROE) | 11.3313% | 1,312 |
| Retained earnings to average equity (ytd only) | 10.7005% | 614 |
| Net charge-offs to loans | 0.0031% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 810.0000% | 70 |
| Efficiency ratio | 52.6938% | 4,491 |
| Assets per employee ($millions) | 8.1564% | 699 |
| Cash dividends to net income (ytd only)* | 5.5665% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 4,448 |
| Loan loss allowance to noncurrent loans | 202.1526% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 3,466 |
| Noncurrent loans to loans | 0.3885% | 3,094 |
| Net loans and leases to total assets | 63.1492% | 3,171 |
| Net loans and leases to deposits | 71.8054% | 3,447 |
| Net loans and leases to core deposits | 79.9818% | 3,198 |
| Total domestic deposits to total assets | 87.9448% | 1,135 |
| Equity capital to assets | 11.7929% | 2,216 |
| Core capital (leverage) ratio | 11.8116% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $612,339,000 | 1,247 |
| Average earning assets | $592,675,500 | 1,199 |
| Average equity | $71,660,000 | 1,241 |
| Average total loans | $392,136,000 | 1,313 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 3,936 |
| Cost of funding earning assets | 0.9483% | 1,968 |
| Net interest margin | 3.1975% | 4,189 |
| Noninterest income to average assets | 0.2939% | 3,930 |
| Noninterest expense to average assets | 1.7865% | 4,787 |
| Loan and lease loss provision to assets | 0.0086% | 3,836 |
| Net operating income to assets | 1.2846% | 1,750 |
| Return on assets (ROA) | 1.3126% | 1,722 |
| Pretax return on assets | 1.6250% | 1,413 |
| Return on Equity (ROE) | 11.5194% | 1,684 |
| Retained earnings to average equity (ytd only) | 9.4531% | 599 |
| Net charge-offs to loans | 0.0076% | 3,404 |
| Credit loss provision to net charge-offs | 172.4138% | 1,505 |
| Earnings coverage of net charge-offs (x) | 320.5862% | 271 |
| Efficiency ratio | 52.5401% | 4,567 |
| Assets per employee ($millions) | 7.9578% | 729 |
| Cash dividends to net income (ytd only)* | 17.9376% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 4,311 |
| Loan loss allowance to noncurrent loans | 404.9608% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,012 |
| Noncurrent loans to loans | 0.1966% | 3,752 |
| Net loans and leases to total assets | 63.9258% | 3,212 |
| Net loans and leases to deposits | 72.4433% | 3,483 |
| Net loans and leases to core deposits | 79.0663% | 3,374 |
| Total domestic deposits to total assets | 88.2425% | 1,007 |
| Equity capital to assets | 11.6102% | 2,421 |
| Core capital (leverage) ratio | 11.5675% | 2,064 |
| Tier 1 risk-based capital ratio | 18.6024% | 1,609 |
| Total risk-based capital ratio | 19.4309% | 1,672 |
| Memoranda: | ||
| Average total assets | $581,425,800 | 1,251 |
| Average earning assets | $562,162,800 | 1,211 |
| Average equity | $66,253,200 | 1,277 |
| Average total loans | $379,736,600 | 1,326 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 4,097 |
| Cost of funding earning assets | 0.9275% | 2,095 |
| Net interest margin | 3.1987% | 4,306 |
| Noninterest income to average assets | 0.3028% | 3,927 |
| Noninterest expense to average assets | 1.8087% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2829% | 1,911 |
| Return on assets (ROA) | 1.3148% | 1,870 |
| Pretax return on assets | 1.6243% | 1,547 |
| Return on Equity (ROE) | 11.5960% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.4592% | 457 |
| Net charge-offs to loans | 0.0163% | 2,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 148.7435% | 545 |
| Efficiency ratio | 53.0648% | 4,489 |
| Assets per employee ($millions) | 8.0584% | 679 |
| Cash dividends to net income (ytd only)* | 1.1804% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,420 |
| Loan loss allowance to noncurrent loans | 710.7728% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,359 |
| Noncurrent loans to loans | 0.1120% | 4,142 |
| Net loans and leases to total assets | 63.4433% | 3,342 |
| Net loans and leases to deposits | 71.9959% | 3,614 |
| Net loans and leases to core deposits | 78.4119% | 3,522 |
| Total domestic deposits to total assets | 88.1207% | 985 |
| Equity capital to assets | 11.6541% | 2,558 |
| Core capital (leverage) ratio | 11.8040% | 1,993 |
| Tier 1 risk-based capital ratio | 19.0519% | 1,555 |
| Total risk-based capital ratio | 19.8902% | 1,617 |
| Memoranda: | ||
| Average total assets | $575,583,500 | 1,267 |
| Average earning assets | $556,169,750 | 1,223 |
| Average equity | $65,262,000 | 1,293 |
| Average total loans | $377,240,250 | 1,342 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 4,114 |
| Cost of funding earning assets | 0.9011% | 2,133 |
| Net interest margin | 3.2184% | 4,321 |
| Noninterest income to average assets | 0.3007% | 3,920 |
| Noninterest expense to average assets | 1.8236% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2804% | 1,848 |
| Return on assets (ROA) | 1.2978% | 1,838 |
| Pretax return on assets | 1.6037% | 1,537 |
| Return on Equity (ROE) | 11.5582% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.3484% | 505 |
| Net charge-offs to loans | 0.0149% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 160.6786% | 467 |
| Efficiency ratio | 53.3044% | 4,533 |
| Assets per employee ($millions) | 7.4404% | 838 |
| Cash dividends to net income (ytd only)* | 1.8157% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,433 |
| Loan loss allowance to noncurrent loans | 713.3178% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,393 |
| Noncurrent loans to loans | 0.1124% | 4,171 |
| Net loans and leases to total assets | 65.0766% | 3,228 |
| Net loans and leases to deposits | 73.7647% | 3,540 |
| Net loans and leases to core deposits | 80.0741% | 3,417 |
| Total domestic deposits to total assets | 88.2219% | 995 |
| Equity capital to assets | 11.5875% | 2,536 |
| Core capital (leverage) ratio | 11.6672% | 2,045 |
| Tier 1 risk-based capital ratio | 18.7371% | 1,612 |
| Total risk-based capital ratio | 19.5911% | 1,673 |
| Memoranda: | ||
| Average total assets | $568,670,330 | 1,282 |
| Average earning assets | $548,659,670 | 1,238 |
| Average equity | $63,850,670 | 1,309 |
| Average total loans | $375,866,330 | 1,345 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 4,113 |
| Cost of funding earning assets | 0.8678% | 2,171 |
| Net interest margin | 3.2373% | 4,313 |
| Noninterest income to average assets | 0.3056% | 3,836 |
| Noninterest expense to average assets | 1.8307% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2899% | 1,737 |
| Return on assets (ROA) | 1.2899% | 1,778 |
| Pretax return on assets | 1.5927% | 1,489 |
| Return on Equity (ROE) | 11.6810% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.6038% | 686 |
| Net charge-offs to loans | 0.0193% | 2,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 573 |
| Efficiency ratio | 53.2489% | 4,598 |
| Assets per employee ($millions) | 7.4400% | 839 |
| Cash dividends to net income (ytd only)* | 0.6612% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 4,484 |
| Loan loss allowance to noncurrent loans | 6,517.0213% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,837 |
| Noncurrent loans to loans | 0.0125% | 4,732 |
| Net loans and leases to total assets | 66.1770% | 3,028 |
| Net loans and leases to deposits | 74.7711% | 3,377 |
| Net loans and leases to core deposits | 80.8114% | 3,290 |
| Total domestic deposits to total assets | 88.5061% | 1,088 |
| Equity capital to assets | 11.2465% | 2,603 |
| Core capital (leverage) ratio | 11.4829% | 2,150 |
| Tier 1 risk-based capital ratio | 18.3977% | 1,687 |
| Total risk-based capital ratio | 19.2626% | 1,750 |
| Memoranda: | ||
| Average total assets | $562,831,500 | 1,297 |
| Average earning assets | $542,060,000 | 1,253 |
| Average equity | $62,152,000 | 1,333 |
| Average total loans | $373,437,500 | 1,359 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 4,076 |
| Cost of funding earning assets | 0.7256% | 1,925 |
| Net interest margin | 3.2562% | 4,366 |
| Noninterest income to average assets | 0.3147% | 4,014 |
| Noninterest expense to average assets | 1.7742% | 5,025 |
| Loan and lease loss provision to assets | 0.0586% | 2,992 |
| Net operating income to assets | 1.3169% | 1,736 |
| Return on assets (ROA) | 1.3169% | 1,722 |
| Pretax return on assets | 1.6119% | 1,428 |
| Return on Equity (ROE) | 12.3940% | 1,583 |
| Retained earnings to average equity (ytd only) | 10.6279% | 502 |
| Net charge-offs to loans | -0.0017% | 4,218 |
| Credit loss provision to net charge-offs | -5,316.6667% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2645% | 4,860 |
| Assets per employee ($millions) | 7.5706% | 774 |
| Cash dividends to net income (ytd only)* | 14.2498% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 4,425 |
| Loan loss allowance to noncurrent loans | 6,555.3191% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,868 |
| Noncurrent loans to loans | 0.0127% | 4,743 |
| Net loans and leases to total assets | 65.4275% | 3,207 |
| Net loans and leases to deposits | 73.4839% | 3,546 |
| Net loans and leases to core deposits | 79.4377% | 3,468 |
| Total domestic deposits to total assets | 89.0366% | 841 |
| Equity capital to assets | 10.8371% | 2,856 |
| Core capital (leverage) ratio | 11.2283% | 2,322 |
| Tier 1 risk-based capital ratio | 18.2977% | 1,666 |
| Total risk-based capital ratio | 19.1878% | 1,734 |
| Memoranda: | ||
| Average total assets | $544,087,800 | 1,307 |
| Average earning assets | $523,004,200 | 1,261 |
| Average equity | $57,810,200 | 1,364 |
| Average total loans | $357,950,800 | 1,375 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 4,152 |
| Cost of funding earning assets | 0.6887% | 1,916 |
| Net interest margin | 3.2347% | 4,439 |
| Noninterest income to average assets | 0.3130% | 4,056 |
| Noninterest expense to average assets | 1.7529% | 5,084 |
| Loan and lease loss provision to assets | 0.0430% | 3,131 |
| Net operating income to assets | 1.3270% | 1,753 |
| Return on assets (ROA) | 1.3270% | 1,763 |
| Pretax return on assets | 1.6262% | 1,499 |
| Return on Equity (ROE) | 12.5541% | 1,591 |
| Retained earnings to average equity (ytd only) | 12.5237% | 414 |
| Net charge-offs to loans | -0.0045% | 4,210 |
| Credit loss provision to net charge-offs | -1,450.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9776% | 4,882 |
| Assets per employee ($millions) | 7.4543% | 789 |
| Cash dividends to net income (ytd only)* | 0.2418% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 4,599 |
| Loan loss allowance to noncurrent loans | 3,502.3810% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,923 |
| Noncurrent loans to loans | 0.0230% | 4,799 |
| Net loans and leases to total assets | 65.7202% | 3,213 |
| Net loans and leases to deposits | 74.6192% | 3,541 |
| Net loans and leases to core deposits | 79.5450% | 3,534 |
| Total domestic deposits to total assets | 88.0742% | 1,210 |
| Equity capital to assets | 10.7346% | 2,911 |
| Core capital (leverage) ratio | 11.3545% | 2,283 |
| Tier 1 risk-based capital ratio | 18.3323% | 1,715 |
| Total risk-based capital ratio | 19.1946% | 1,766 |
| Memoranda: | ||
| Average total assets | $540,053,250 | 1,311 |
| Average earning assets | $519,061,000 | 1,272 |
| Average equity | $57,084,750 | 1,379 |
| Average total loans | $355,032,750 | 1,384 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,233 |
| Cost of funding earning assets | 0.6485% | 1,932 |
| Net interest margin | 3.1956% | 4,515 |
| Noninterest income to average assets | 0.3167% | 4,059 |
| Noninterest expense to average assets | 1.7620% | 5,139 |
| Loan and lease loss provision to assets | 0.0459% | 2,986 |
| Net operating income to assets | 1.2932% | 1,797 |
| Return on assets (ROA) | 1.2932% | 1,791 |
| Pretax return on assets | 1.5800% | 1,567 |
| Return on Equity (ROE) | 12.2998% | 1,616 |
| Retained earnings to average equity (ytd only) | 12.2537% | 483 |
| Net charge-offs to loans | 0.0034% | 3,056 |
| Credit loss provision to net charge-offs | 2,050.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 726.5000% | 113 |
| Efficiency ratio | 51.7560% | 4,916 |
| Assets per employee ($millions) | 7.3693% | 803 |
| Cash dividends to net income (ytd only)* | 0.3750% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,694 |
| Loan loss allowance to noncurrent loans | 16,900.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,049 |
| Noncurrent loans to loans | 0.0047% | 4,947 |
| Net loans and leases to total assets | 65.2930% | 3,244 |
| Net loans and leases to deposits | 74.7384% | 3,462 |
| Net loans and leases to core deposits | 79.8020% | 3,436 |
| Total domestic deposits to total assets | 87.3620% | 1,698 |
| Equity capital to assets | 10.5537% | 3,069 |
| Core capital (leverage) ratio | 11.1864% | 2,360 |
| Tier 1 risk-based capital ratio | 18.0953% | 1,774 |
| Total risk-based capital ratio | 18.9528% | 1,843 |
| Memoranda: | ||
| Average total assets | $536,198,670 | 1,325 |
| Average earning assets | $515,331,000 | 1,284 |
| Average equity | $56,375,000 | 1,392 |
| Average total loans | $351,555,000 | 1,394 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 4,185 |
| Cost of funding earning assets | 0.6117% | 1,970 |
| Net interest margin | 3.1985% | 4,464 |
| Noninterest income to average assets | 0.3107% | 4,081 |
| Noninterest expense to average assets | 1.7583% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3280% | 1,552 |
| Return on assets (ROA) | 1.3280% | 1,560 |
| Pretax return on assets | 1.6252% | 1,318 |
| Return on Equity (ROE) | 12.6554% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.5622% | 589 |
| Net charge-offs to loans | 0.0046% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 120 |
| Efficiency ratio | 51.7234% | 4,981 |
| Assets per employee ($millions) | 7.3704% | 820 |
| Cash dividends to net income (ytd only)* | 0.7365% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,813 |
| Loan loss allowance to noncurrent loans | 17,200.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,133 |
| Noncurrent loans to loans | 0.0046% | 5,004 |
| Net loans and leases to total assets | 64.1394% | 3,283 |
| Net loans and leases to deposits | 73.3365% | 3,478 |
| Net loans and leases to core deposits | 78.4056% | 3,460 |
| Total domestic deposits to total assets | 87.4591% | 1,921 |
| Equity capital to assets | 10.4005% | 3,168 |
| Core capital (leverage) ratio | 11.0463% | 2,391 |
| Tier 1 risk-based capital ratio | 18.0787% | 1,818 |
| Total risk-based capital ratio | 18.9233% | 1,879 |
| Memoranda: | ||
| Average total assets | $531,635,500 | 1,347 |
| Average earning assets | $510,740,500 | 1,300 |
| Average equity | $55,786,500 | 1,409 |
| Average total loans | $347,866,500 | 1,408 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 3,926 |
| Cost of funding earning assets | 0.5714% | 1,819 |
| Net interest margin | 3.2647% | 4,275 |
| Noninterest income to average assets | 0.3279% | 4,125 |
| Noninterest expense to average assets | 1.7729% | 5,261 |
| Loan and lease loss provision to assets | 0.0391% | 3,492 |
| Net operating income to assets | 1.0550% | 2,039 |
| Return on assets (ROA) | 1.0684% | 2,006 |
| Pretax return on assets | 1.6784% | 1,063 |
| Return on Equity (ROE) | 10.1269% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.7276% | 553 |
| Net charge-offs to loans | 0.0018% | 4,055 |
| Credit loss provision to net charge-offs | 3,333.3333% | 122 |
| Earnings coverage of net charge-offs (x) | 1,448.0000% | 50 |
| Efficiency ratio | 50.8471% | 5,178 |
| Assets per employee ($millions) | 7.2949% | 847 |
| Cash dividends to net income (ytd only)* | 13.8183% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 4,850 |
| Loan loss allowance to noncurrent loans | 14,505.2632% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,181 |
| Noncurrent loans to loans | 0.0055% | 5,036 |
| Net loans and leases to total assets | 65.7100% | 3,137 |
| Net loans and leases to deposits | 73.8704% | 3,527 |
| Net loans and leases to core deposits | 78.9025% | 3,510 |
| Total domestic deposits to total assets | 88.9531% | 1,025 |
| Equity capital to assets | 10.5885% | 3,064 |
| Core capital (leverage) ratio | 10.7207% | 2,621 |
| Tier 1 risk-based capital ratio | 17.6025% | 1,920 |
| Total risk-based capital ratio | 18.4565% | 1,981 |
| Memoranda: | ||
| Average total assets | $512,097,200 | 1,366 |
| Average earning assets | $492,790,000 | 1,323 |
| Average equity | $54,024,200 | 1,424 |
| Average total loans | $338,549,200 | 1,417 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 3,947 |
| Cost of funding earning assets | 0.5647% | 1,779 |
| Net interest margin | 3.2524% | 4,317 |
| Noninterest income to average assets | 0.3299% | 4,175 |
| Noninterest expense to average assets | 1.7832% | 5,291 |
| Loan and lease loss provision to assets | 0.0482% | 3,136 |
| Net operating income to assets | 1.1639% | 1,828 |
| Return on assets (ROA) | 1.1842% | 1,801 |
| Pretax return on assets | 1.6574% | 1,224 |
| Return on Equity (ROE) | 11.2354% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.2354% | 383 |
| Net charge-offs to loans | -0.0012% | 4,282 |
| Credit loss provision to net charge-offs | -6,133.3333% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2760% | 5,161 |
| Assets per employee ($millions) | 7.2629% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,913 |
| Loan loss allowance to noncurrent loans | 19,635.7143% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,257 |
| Noncurrent loans to loans | 0.0040% | 5,133 |
| Net loans and leases to total assets | 65.7287% | 3,143 |
| Net loans and leases to deposits | 73.8447% | 3,589 |
| Net loans and leases to core deposits | 79.3625% | 3,504 |
| Total domestic deposits to total assets | 89.0094% | 886 |
| Equity capital to assets | 10.7928% | 3,070 |
| Core capital (leverage) ratio | 11.0245% | 2,434 |
| Tier 1 risk-based capital ratio | 17.5807% | 1,984 |
| Total risk-based capital ratio | 18.4345% | 2,055 |
| Memoranda: | ||
| Average total assets | $508,813,500 | 1,388 |
| Average earning assets | $489,723,750 | 1,338 |
| Average equity | $53,626,750 | 1,444 |
| Average total loans | $336,215,000 | 1,431 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 3,892 |
| Cost of funding earning assets | 0.5614% | 1,702 |
| Net interest margin | 3.2397% | 4,294 |
| Noninterest income to average assets | 0.3313% | 4,172 |
| Noninterest expense to average assets | 1.7968% | 5,315 |
| Loan and lease loss provision to assets | 0.0468% | 3,056 |
| Net operating income to assets | 1.1492% | 1,778 |
| Return on assets (ROA) | 1.1803% | 1,697 |
| Pretax return on assets | 1.6469% | 1,203 |
| Return on Equity (ROE) | 11.2926% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.2926% | 400 |
| Net charge-offs to loans | -0.0006% | 4,123 |
| Credit loss provision to net charge-offs | -11,800.0000% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8587% | 5,192 |
| Assets per employee ($millions) | 6.9884% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7905% | 4,975 |
| 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 | 65.9586% | 3,114 |
| Net loans and leases to deposits | 74.0664% | 3,541 |
| Net loans and leases to core deposits | 79.4076% | 3,469 |
| Total domestic deposits to total assets | 89.0533% | 928 |
| Equity capital to assets | 10.7706% | 3,058 |
| Core capital (leverage) ratio | 10.9446% | 2,464 |
| Tier 1 risk-based capital ratio | 17.4786% | 2,017 |
| Total risk-based capital ratio | 18.3298% | 2,087 |
| Memoranda: | ||
| Average total assets | $504,107,670 | 1,405 |
| Average earning assets | $484,863,670 | 1,358 |
| Average equity | $52,689,330 | 1,470 |
| Average total loans | $332,798,330 | 1,448 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 3,884 |
| Cost of funding earning assets | 0.5607% | 1,638 |
| Net interest margin | 3.2049% | 4,328 |
| Noninterest income to average assets | 0.3560% | 3,989 |
| Noninterest expense to average assets | 1.7945% | 5,384 |
| Loan and lease loss provision to assets | 0.0367% | 3,064 |
| Net operating income to assets | 1.1743% | 1,575 |
| Return on assets (ROA) | 1.1743% | 1,617 |
| Pretax return on assets | 1.6045% | 1,223 |
| Return on Equity (ROE) | 11.4118% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.4118% | 544 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9749% | 5,268 |
| Assets per employee ($millions) | 6.9338% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 5,104 |
| Loan loss allowance to noncurrent loans | 28,977.7778% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,379 |
| Noncurrent loans to loans | 0.0027% | 5,266 |
| Net loans and leases to total assets | 65.0374% | 3,109 |
| Net loans and leases to deposits | 72.7964% | 3,533 |
| Net loans and leases to core deposits | 77.8420% | 3,484 |
| Total domestic deposits to total assets | 89.3415% | 981 |
| Equity capital to assets | 10.3856% | 3,312 |
| Core capital (leverage) ratio | 10.7809% | 2,617 |
| Tier 1 risk-based capital ratio | 17.0999% | 2,150 |
| Total risk-based capital ratio | 17.9329% | 2,251 |
| Memoranda: | ||
| Average total assets | $501,083,500 | 1,420 |
| Average earning assets | $481,508,000 | 1,369 |
| Average equity | $51,560,500 | 1,499 |
| Average total loans | $329,611,000 | 1,461 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,135 |
| Cost of funding earning assets | 0.5801% | 1,484 |
| Net interest margin | 3.1472% | 4,600 |
| Noninterest income to average assets | 0.2897% | 4,664 |
| Noninterest expense to average assets | 1.8014% | 5,467 |
| Loan and lease loss provision to assets | 0.1125% | 2,188 |
| Net operating income to assets | 1.0132% | 2,294 |
| Return on assets (ROA) | 1.1162% | 1,925 |
| Pretax return on assets | 1.5442% | 1,451 |
| Return on Equity (ROE) | 10.8834% | 1,626 |
| Retained earnings to average equity (ytd only) | 9.5277% | 492 |
| Net charge-offs to loans | 0.0061% | 4,047 |
| Credit loss provision to net charge-offs | 3,066.6667% | 140 |
| Earnings coverage of net charge-offs (x) | 412.4444% | 195 |
| Efficiency ratio | 54.0590% | 5,239 |
| Assets per employee ($millions) | 6.7945% | 1,009 |
| Cash dividends to net income (ytd only)* | 12.4566% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 5,154 |
| Loan loss allowance to noncurrent loans | 8,264.5161% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,398 |
| Noncurrent loans to loans | 0.0095% | 5,257 |
| Net loans and leases to total assets | 65.4948% | 3,147 |
| Net loans and leases to deposits | 73.0356% | 3,612 |
| Net loans and leases to core deposits | 78.1934% | 3,558 |
| Total domestic deposits to total assets | 89.6751% | 778 |
| Equity capital to assets | 10.1920% | 3,496 |
| Core capital (leverage) ratio | 10.5008% | 2,882 |
| Tier 1 risk-based capital ratio | 16.7675% | 2,242 |
| Total risk-based capital ratio | 17.5920% | 2,344 |
| Memoranda: | ||
| Average total assets | $490,493,800 | 1,407 |
| Average earning assets | $471,505,200 | 1,342 |
| Average equity | $50,306,000 | 1,513 |
| Average total loans | $297,411,600 | 1,530 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 4,258 |
| Cost of funding earning assets | 0.5791% | 1,492 |
| Net interest margin | 3.1181% | 4,722 |
| Noninterest income to average assets | 0.2892% | 4,702 |
| Noninterest expense to average assets | 1.8092% | 5,505 |
| Loan and lease loss provision to assets | 0.1248% | 1,865 |
| Net operating income to assets | 0.9773% | 2,531 |
| Return on assets (ROA) | 1.0953% | 2,121 |
| Pretax return on assets | 1.5175% | 1,660 |
| Return on Equity (ROE) | 10.6623% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.6623% | 462 |
| Net charge-offs to loans | 0.0074% | 3,661 |
| Credit loss provision to net charge-offs | 2,862.5000% | 174 |
| Earnings coverage of net charge-offs (x) | 339.0445% | 251 |
| Efficiency ratio | 54.7467% | 5,181 |
| Assets per employee ($millions) | 6.7427% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 5,217 |
| Loan loss allowance to noncurrent loans | 16,466.6667% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,465 |
| Noncurrent loans to loans | 0.0048% | 5,405 |
| Net loans and leases to total assets | 63.0684% | 3,514 |
| Net loans and leases to deposits | 70.8143% | 3,907 |
| Net loans and leases to core deposits | 75.8384% | 3,857 |
| Total domestic deposits to total assets | 89.0617% | 871 |
| Equity capital to assets | 10.7237% | 3,337 |
| Core capital (leverage) ratio | 10.4541% | 3,043 |
| Tier 1 risk-based capital ratio | 17.0225% | 2,218 |
| Total risk-based capital ratio | 17.8417% | 2,333 |
| Memoranda: | ||
| Average total assets | $489,118,000 | 1,412 |
| Average earning assets | $470,366,250 | 1,345 |
| Average equity | $50,244,500 | 1,517 |
| Average total loans | $289,911,000 | 1,568 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,381 |
| Cost of funding earning assets | 0.5773% | 1,486 |
| Net interest margin | 3.0939% | 4,852 |
| Noninterest income to average assets | 0.2672% | 4,874 |
| Noninterest expense to average assets | 1.8312% | 5,555 |
| Loan and lease loss provision to assets | 0.1115% | 2,011 |
| Net operating income to assets | 0.9364% | 2,698 |
| Return on assets (ROA) | 1.0568% | 2,265 |
| Pretax return on assets | 1.4649% | 1,790 |
| Return on Equity (ROE) | 10.4419% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.4419% | 516 |
| Net charge-offs to loans | 0.0128% | 3,291 |
| Credit loss provision to net charge-offs | 1,511.1111% | 263 |
| Earnings coverage of net charge-offs (x) | 191.0556% | 342 |
| Efficiency ratio | 56.2215% | 5,123 |
| Assets per employee ($millions) | 6.7975% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 5,338 |
| Loan loss allowance to noncurrent loans | 228,200.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 5,650 |
| Noncurrent loans to loans | 0.0003% | 5,519 |
| Net loans and leases to total assets | 59.8434% | 3,903 |
| Net loans and leases to deposits | 66.9838% | 4,266 |
| Net loans and leases to core deposits | 72.2083% | 4,153 |
| Total domestic deposits to total assets | 89.3402% | 744 |
| Equity capital to assets | 10.4788% | 3,661 |
| Core capital (leverage) ratio | 10.2058% | 3,330 |
| Tier 1 risk-based capital ratio | 17.2119% | 2,151 |
| Total risk-based capital ratio | 17.9995% | 2,283 |
| Memoranda: | ||
| Average total assets | $488,084,670 | 1,419 |
| Average earning assets | $469,058,670 | 1,354 |
| Average equity | $49,397,330 | 1,539 |
| Average total loans | $282,247,000 | 1,607 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,635 |
| Cost of funding earning assets | 0.5756% | 1,505 |
| Net interest margin | 3.0164% | 5,079 |
| Noninterest income to average assets | 0.2191% | 5,167 |
| Noninterest expense to average assets | 1.8883% | 5,539 |
| Loan and lease loss provision to assets | 0.1157% | 1,812 |
| Net operating income to assets | 0.8052% | 3,218 |
| Return on assets (ROA) | 0.9323% | 2,699 |
| Pretax return on assets | 1.2901% | 2,349 |
| Return on Equity (ROE) | 9.3781% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.3781% | 1,008 |
| Net charge-offs to loans | 0.0276% | 2,387 |
| Credit loss provision to net charge-offs | 742.1053% | 468 |
| Earnings coverage of net charge-offs (x) | 78.8421% | 642 |
| Efficiency ratio | 60.4633% | 4,687 |
| Assets per employee ($millions) | 6.7725% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 5,470 |
| 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 | 57.6410% | 4,083 |
| Net loans and leases to deposits | 64.2789% | 4,420 |
| Net loans and leases to core deposits | 69.2206% | 4,297 |
| Total domestic deposits to total assets | 89.6734% | 751 |
| Equity capital to assets | 10.1464% | 3,902 |
| Core capital (leverage) ratio | 9.9451% | 3,602 |
| Tier 1 risk-based capital ratio | 17.1338% | 2,238 |
| Total risk-based capital ratio | 17.8946% | 2,370 |
| Memoranda: | ||
| Average total assets | $487,418,500 | 1,420 |
| Average earning assets | $468,379,000 | 1,354 |
| Average equity | $48,453,500 | 1,563 |
| Average total loans | $275,787,500 | 1,633 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4994% | 4,921 |
| Cost of funding earning assets | 0.5885% | 1,444 |
| Net interest margin | 2.9108% | 5,317 |
| Noninterest income to average assets | 0.3354% | 4,501 |
| Noninterest expense to average assets | 1.7984% | 5,737 |
| Loan and lease loss provision to assets | 0.0848% | 2,600 |
| Net operating income to assets | 0.9573% | 2,588 |
| Return on assets (ROA) | 0.9580% | 2,658 |
| Pretax return on assets | 1.2429% | 2,494 |
| Return on Equity (ROE) | 9.6898% | 2,138 |
| Retained earnings to average equity (ytd only) | 8.5027% | 777 |
| Net charge-offs to loans | 0.0078% | 4,166 |
| Credit loss provision to net charge-offs | 2,078.9474% | 162 |
| Earnings coverage of net charge-offs (x) | 325.4737% | 215 |
| Efficiency ratio | 57.2360% | 5,230 |
| Assets per employee ($millions) | 6.0150% | 1,374 |
| Cash dividends to net income (ytd only)* | 12.2508% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 5,516 |
| Loan loss allowance to noncurrent loans | 7,511.1111% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,693 |
| Noncurrent loans to loans | 0.0101% | 5,495 |
| Net loans and leases to total assets | 54.6630% | 4,431 |
| Net loans and leases to deposits | 60.6251% | 4,727 |
| Net loans and leases to core deposits | 65.1685% | 4,657 |
| Total domestic deposits to total assets | 90.1657% | 563 |
| Equity capital to assets | 9.7351% | 4,254 |
| Core capital (leverage) ratio | 9.8163% | 3,747 |
| Tier 1 risk-based capital ratio | 17.3109% | 2,178 |
| Total risk-based capital ratio | 18.0556% | 2,310 |
| Memoranda: | ||
| Average total assets | $466,076,400 | 1,444 |
| Average earning assets | $446,708,600 | 1,387 |
| Average equity | $46,079,400 | 1,600 |
| Average total loans | $242,969,400 | 1,777 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 5,029 |
| Cost of funding earning assets | 0.5901% | 1,471 |
| Net interest margin | 2.8900% | 5,432 |
| Noninterest income to average assets | 0.3498% | 4,441 |
| Noninterest expense to average assets | 1.7890% | 5,788 |
| Loan and lease loss provision to assets | 0.0848% | 2,472 |
| Net operating income to assets | 0.9771% | 2,588 |
| Return on assets (ROA) | 0.9792% | 2,654 |
| Pretax return on assets | 1.2477% | 2,613 |
| Return on Equity (ROE) | 9.8639% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.8639% | 656 |
| Net charge-offs to loans | -0.0045% | 4,816 |
| Credit loss provision to net charge-offs | -3,662.5000% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0461% | 5,223 |
| Assets per employee ($millions) | 5.9143% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 5,586 |
| 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 | 53.2007% | 4,650 |
| Net loans and leases to deposits | 59.2737% | 4,904 |
| Net loans and leases to core deposits | 64.0973% | 4,811 |
| Total domestic deposits to total assets | 89.7543% | 675 |
| Equity capital to assets | 10.0559% | 4,089 |
| Core capital (leverage) ratio | 10.0173% | 3,605 |
| Tier 1 risk-based capital ratio | 17.8173% | 2,087 |
| Total risk-based capital ratio | 18.5639% | 2,202 |
| Memoranda: | ||
| Average total assets | $460,792,000 | 1,462 |
| Average earning assets | $441,506,000 | 1,411 |
| Average equity | $45,741,500 | 1,618 |
| Average total loans | $236,623,250 | 1,828 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4700% | 5,065 |
| Cost of funding earning assets | 0.5890% | 1,489 |
| Net interest margin | 2.8810% | 5,476 |
| Noninterest income to average assets | 0.3587% | 4,377 |
| Noninterest expense to average assets | 1.7855% | 5,874 |
| Loan and lease loss provision to assets | 0.0836% | 2,447 |
| Net operating income to assets | 0.9916% | 2,427 |
| Return on assets (ROA) | 0.9937% | 2,531 |
| Pretax return on assets | 1.2512% | 2,547 |
| Return on Equity (ROE) | 10.0556% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.0556% | 651 |
| Net charge-offs to loans | -0.0069% | 4,826 |
| Credit loss provision to net charge-offs | -2,387.5000% | 5,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9462% | 5,344 |
| Assets per employee ($millions) | 6.0319% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 5,676 |
| Loan loss allowance to noncurrent loans | 11,568.7500% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,903 |
| Noncurrent loans to loans | 0.0066% | 5,743 |
| Net loans and leases to total assets | 51.6145% | 4,790 |
| Net loans and leases to deposits | 57.7845% | 5,009 |
| Net loans and leases to core deposits | 61.5487% | 4,978 |
| Total domestic deposits to total assets | 89.3223% | 993 |
| Equity capital to assets | 9.8533% | 4,212 |
| Core capital (leverage) ratio | 9.8347% | 3,822 |
| Tier 1 risk-based capital ratio | 17.1979% | 2,330 |
| Total risk-based capital ratio | 17.8977% | 2,493 |
| Memoranda: | ||
| Average total assets | $456,674,670 | 1,487 |
| Average earning assets | $437,347,670 | 1,435 |
| Average equity | $45,129,000 | 1,647 |
| Average total loans | $230,941,330 | 1,877 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 5,083 |
| Cost of funding earning assets | 0.5813% | 1,571 |
| Net interest margin | 2.8703% | 5,503 |
| Noninterest income to average assets | 0.3967% | 4,028 |
| Noninterest expense to average assets | 1.7995% | 5,904 |
| Loan and lease loss provision to assets | 0.0777% | 2,401 |
| Net operating income to assets | 1.0177% | 2,182 |
| Return on assets (ROA) | 1.0177% | 2,323 |
| Pretax return on assets | 1.2677% | 2,393 |
| Return on Equity (ROE) | 10.2831% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.2831% | 857 |
| Net charge-offs to loans | -0.0071% | 4,598 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9101% | 5,446 |
| Assets per employee ($millions) | 6.1754% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,791 |
| Loan loss allowance to noncurrent loans | 6,976.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,939 |
| Noncurrent loans to loans | 0.0109% | 5,761 |
| Net loans and leases to total assets | 49.2127% | 4,921 |
| Net loans and leases to deposits | 54.7159% | 5,146 |
| Net loans and leases to core deposits | 58.0416% | 5,121 |
| Total domestic deposits to total assets | 89.9422% | 769 |
| Equity capital to assets | 9.8505% | 4,327 |
| Core capital (leverage) ratio | 9.9565% | 3,655 |
| Tier 1 risk-based capital ratio | 18.1122% | 2,104 |
| Total risk-based capital ratio | 18.8242% | 2,238 |
| Memoranda: | ||
| Average total assets | $452,784,500 | 1,507 |
| Average earning assets | $433,544,500 | 1,447 |
| Average equity | $44,811,500 | 1,668 |
| Average total loans | $225,623,500 | 1,908 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 5,395 |
| Cost of funding earning assets | 0.6439% | 1,447 |
| Net interest margin | 2.8257% | 5,770 |
| Noninterest income to average assets | 0.3943% | 4,232 |
| Noninterest expense to average assets | 1.7257% | 6,136 |
| Loan and lease loss provision to assets | 0.0720% | 3,044 |
| Net operating income to assets | 1.0291% | 2,268 |
| Return on assets (ROA) | 1.0348% | 2,316 |
| Pretax return on assets | 1.3129% | 2,199 |
| Return on Equity (ROE) | 10.8234% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.5020% | 603 |
| Net charge-offs to loans | 0.0035% | 4,894 |
| Credit loss provision to net charge-offs | 4,442.8571% | 70 |
| Earnings coverage of net charge-offs (x) | 850.5714% | 51 |
| Efficiency ratio | 55.2714% | 5,742 |
| Assets per employee ($millions) | 5.8989% | 1,448 |
| Cash dividends to net income (ytd only)* | 12.2093% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 5,890 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,011 |
| Noncurrent loans to loans | 0.0253% | 5,785 |
| Net loans and leases to total assets | 49.7091% | 4,998 |
| Net loans and leases to deposits | 55.2750% | 5,229 |
| Net loans and leases to core deposits | 58.7580% | 5,215 |
| Total domestic deposits to total assets | 89.9305% | 764 |
| Equity capital to assets | 9.9454% | 4,184 |
| Core capital (leverage) ratio | 9.7885% | 3,843 |
| Tier 1 risk-based capital ratio | 18.3350% | 2,037 |
| Total risk-based capital ratio | 19.0390% | 2,169 |
| Memoranda: | ||
| Average total assets | $432,162,800 | 1,541 |
| Average earning assets | $414,335,000 | 1,482 |
| Average equity | $41,317,800 | 1,732 |
| Average total loans | $202,098,600 | 2,020 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 5,493 |
| Cost of funding earning assets | 0.6542% | 1,430 |
| Net interest margin | 2.7984% | 5,870 |
| Noninterest income to average assets | 0.4174% | 4,120 |
| Noninterest expense to average assets | 1.7231% | 6,188 |
| Loan and lease loss provision to assets | 0.0829% | 2,694 |
| Net operating income to assets | 1.0025% | 2,443 |
| Return on assets (ROA) | 1.0099% | 2,470 |
| Pretax return on assets | 1.3054% | 2,352 |
| Return on Equity (ROE) | 10.6737% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.6737% | 563 |
| Net charge-offs to loans | 0.0061% | 4,486 |
| Credit loss provision to net charge-offs | 2,966.6667% | 136 |
| Earnings coverage of net charge-offs (x) | 493.5433% | 155 |
| Efficiency ratio | 55.2131% | 5,723 |
| Assets per employee ($millions) | 6.1757% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 6,003 |
| Loan loss allowance to noncurrent loans | 26,766.6667% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,209 |
| Noncurrent loans to loans | 0.0028% | 6,040 |
| Net loans and leases to total assets | 49.3436% | 5,073 |
| Net loans and leases to deposits | 54.8735% | 5,316 |
| Net loans and leases to core deposits | 58.7501% | 5,288 |
| Total domestic deposits to total assets | 89.9224% | 773 |
| Equity capital to assets | 9.8791% | 4,323 |
| Core capital (leverage) ratio | 9.9220% | 3,774 |
| Tier 1 risk-based capital ratio | 18.5246% | 2,042 |
| Total risk-based capital ratio | 19.2273% | 2,176 |
| Memoranda: | ||
| Average total assets | $429,600,000 | 1,558 |
| Average earning assets | $412,088,000 | 1,500 |
| Average equity | $40,647,250 | 1,767 |
| Average total loans | $197,230,250 | 2,073 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 5,580 |
| Cost of funding earning assets | 0.6618% | 1,424 |
| Net interest margin | 2.7591% | 5,975 |
| Noninterest income to average assets | 0.4488% | 3,881 |
| Noninterest expense to average assets | 1.7112% | 6,258 |
| Loan and lease loss provision to assets | 0.1124% | 2,150 |
| Net operating income to assets | 0.9829% | 2,394 |
| Return on assets (ROA) | 0.9937% | 2,420 |
| Pretax return on assets | 1.2862% | 2,309 |
| Return on Equity (ROE) | 10.6605% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.6605% | 588 |
| Net charge-offs to loans | 0.0010% | 4,358 |
| Credit loss provision to net charge-offs | 24,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,968.0000% | 11 |
| Efficiency ratio | 54.9277% | 5,834 |
| Assets per employee ($millions) | 6.2029% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 6,025 |
| Loan loss allowance to noncurrent loans | 26,466.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,277 |
| Noncurrent loans to loans | 0.0029% | 6,105 |
| Net loans and leases to total assets | 46.5691% | 5,307 |
| Net loans and leases to deposits | 51.6344% | 5,523 |
| Net loans and leases to core deposits | 55.2471% | 5,459 |
| Total domestic deposits to total assets | 90.1900% | 714 |
| Equity capital to assets | 9.6358% | 4,577 |
| Core capital (leverage) ratio | 9.6439% | 4,117 |
| Tier 1 risk-based capital ratio | 18.6971% | 2,005 |
| Total risk-based capital ratio | 19.4176% | 2,150 |
| Memoranda: | ||
| Average total assets | $428,701,000 | 1,563 |
| Average earning assets | $411,286,330 | 1,496 |
| Average equity | $39,960,670 | 1,781 |
| Average total loans | $191,334,670 | 2,117 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3964% | 5,656 |
| Cost of funding earning assets | 0.6728% | 1,423 |
| Net interest margin | 2.7236% | 6,075 |
| Noninterest income to average assets | 0.4893% | 3,500 |
| Noninterest expense to average assets | 1.7260% | 6,313 |
| Loan and lease loss provision to assets | 0.1089% | 2,118 |
| Net operating income to assets | 0.9880% | 2,256 |
| Return on assets (ROA) | 0.9851% | 2,326 |
| Pretax return on assets | 1.2621% | 2,240 |
| Return on Equity (ROE) | 10.7530% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.7530% | 793 |
| Net charge-offs to loans | 0.0108% | 3,408 |
| Credit loss provision to net charge-offs | 2,320.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 292.8000% | 164 |
| Efficiency ratio | 55.3301% | 5,896 |
| Assets per employee ($millions) | 6.3440% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 6,171 |
| Loan loss allowance to noncurrent loans | 588.3065% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 6,104 |
| Noncurrent loans to loans | 0.1296% | 5,718 |
| Net loans and leases to total assets | 44.0176% | 5,513 |
| Net loans and leases to deposits | 48.6844% | 5,692 |
| Net loans and leases to core deposits | 52.1265% | 5,609 |
| Total domestic deposits to total assets | 90.4142% | 852 |
| Equity capital to assets | 9.3248% | 4,730 |
| Core capital (leverage) ratio | 9.5109% | 4,266 |
| Tier 1 risk-based capital ratio | 18.8861% | 1,998 |
| Total risk-based capital ratio | 19.5731% | 2,135 |
| Memoranda: | ||
| Average total assets | $425,950,500 | 1,577 |
| Average earning assets | $408,436,500 | 1,511 |
| Average equity | $39,021,500 | 1,804 |
| Average total loans | $185,106,000 | 2,183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 5,655 |
| Cost of funding earning assets | 0.7500% | 1,495 |
| Net interest margin | 2.7450% | 6,075 |
| Noninterest income to average assets | 0.5645% | 3,301 |
| Noninterest expense to average assets | 1.7130% | 6,425 |
| Loan and lease loss provision to assets | 0.0871% | 3,364 |
| Net operating income to assets | 1.0724% | 2,025 |
| Return on assets (ROA) | 1.1545% | 1,805 |
| Pretax return on assets | 1.5017% | 1,444 |
| Return on Equity (ROE) | 12.0970% | 1,388 |
| Retained earnings to average equity (ytd only) | 10.7721% | 451 |
| Net charge-offs to loans | -0.0170% | 6,114 |
| Credit loss provision to net charge-offs | -1,285.1852% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2585% | 6,196 |
| Assets per employee ($millions) | 6.5705% | 955 |
| Cash dividends to net income (ytd only)* | 10.9518% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 6,259 |
| Loan loss allowance to noncurrent loans | 1,172.1739% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 6,311 |
| Noncurrent loans to loans | 0.0643% | 6,030 |
| Net loans and leases to total assets | 42.2147% | 5,813 |
| Net loans and leases to deposits | 46.4427% | 5,980 |
| Net loans and leases to core deposits | 49.7920% | 5,951 |
| Total domestic deposits to total assets | 90.8963% | 614 |
| Equity capital to assets | 8.9931% | 5,043 |
| Core capital (leverage) ratio | 9.4224% | 4,381 |
| Tier 1 risk-based capital ratio | 19.2111% | 1,864 |
| Total risk-based capital ratio | 19.8743% | 2,007 |
| Memoranda: | ||
| Average total assets | $398,609,800 | 1,657 |
| Average earning assets | $382,001,000 | 1,585 |
| Average equity | $38,042,600 | 1,825 |
| Average total loans | $159,032,600 | 2,439 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4954% | 5,697 |
| Cost of funding earning assets | 0.7584% | 1,545 |
| Net interest margin | 2.7369% | 6,107 |
| Noninterest income to average assets | 0.6081% | 3,096 |
| Noninterest expense to average assets | 1.7483% | 6,411 |
| Loan and lease loss provision to assets | 0.1177% | 2,826 |
| Net operating income to assets | 1.0341% | 2,244 |
| Return on assets (ROA) | 1.1436% | 1,910 |
| Pretax return on assets | 1.5102% | 1,576 |
| Return on Equity (ROE) | 11.8005% | 1,540 |
| Retained earnings to average equity (ytd only) | 11.8005% | 449 |
| Net charge-offs to loans | -0.0234% | 6,097 |
| Credit loss provision to net charge-offs | -1,285.1852% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7356% | 6,127 |
| Assets per employee ($millions) | 6.2809% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 6,321 |
| Loan loss allowance to noncurrent loans | 757.3034% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 6,343 |
| Noncurrent loans to loans | 0.1028% | 6,022 |
| Net loans and leases to total assets | 42.0988% | 5,894 |
| Net loans and leases to deposits | 46.4267% | 6,071 |
| Net loans and leases to core deposits | 49.5871% | 6,038 |
| Total domestic deposits to total assets | 90.6782% | 669 |
| Equity capital to assets | 9.1163% | 5,033 |
| Core capital (leverage) ratio | 9.5843% | 4,279 |
| Tier 1 risk-based capital ratio | 19.5058% | 1,858 |
| Total risk-based capital ratio | 20.1920% | 1,964 |
| Memoranda: | ||
| Average total assets | $393,134,250 | 1,685 |
| Average earning assets | $376,909,750 | 1,610 |
| Average equity | $38,099,000 | 1,833 |
| Average total loans | $154,074,250 | 2,511 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4918% | 5,719 |
| Cost of funding earning assets | 0.7581% | 1,657 |
| Net interest margin | 2.7336% | 6,126 |
| Noninterest income to average assets | 0.4788% | 3,968 |
| Noninterest expense to average assets | 1.7728% | 6,419 |
| Loan and lease loss provision to assets | 0.0933% | 3,228 |
| Net operating income to assets | 0.9292% | 2,665 |
| Return on assets (ROA) | 1.0729% | 2,137 |
| Pretax return on assets | 1.4244% | 1,854 |
| Return on Equity (ROE) | 10.8458% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.8458% | 672 |
| Net charge-offs to loans | -0.0379% | 6,159 |
| Credit loss provision to net charge-offs | -646.4286% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8269% | 5,870 |
| Assets per employee ($millions) | 5.9472% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 6,433 |
| Loan loss allowance to noncurrent loans | 4,550.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 6,547 |
| Noncurrent loans to loans | 0.0165% | 6,375 |
| Net loans and leases to total assets | 39.9465% | 6,050 |
| Net loans and leases to deposits | 44.1448% | 6,218 |
| Net loans and leases to core deposits | 46.9335% | 6,186 |
| Total domestic deposits to total assets | 90.4897% | 761 |
| Equity capital to assets | 9.3472% | 4,787 |
| Core capital (leverage) ratio | 9.4998% | 4,248 |
| Tier 1 risk-based capital ratio | 20.2697% | 1,661 |
| Total risk-based capital ratio | 20.9175% | 1,783 |
| Memoranda: | ||
| Average total assets | $388,093,670 | 1,709 |
| Average earning assets | $371,961,000 | 1,630 |
| Average equity | $38,392,670 | 1,826 |
| Average total loans | $147,692,670 | 2,603 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 5,757 |
| Cost of funding earning assets | 0.7543% | 1,809 |
| Net interest margin | 2.7257% | 6,175 |
| Noninterest income to average assets | 0.4862% | 3,873 |
| Noninterest expense to average assets | 1.8368% | 6,386 |
| Loan and lease loss provision to assets | 0.0736% | 3,404 |
| Net operating income to assets | 0.8750% | 2,779 |
| Return on assets (ROA) | 1.0345% | 2,200 |
| Pretax return on assets | 1.3983% | 1,859 |
| Return on Equity (ROE) | 10.1721% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.1721% | 1,064 |
| Net charge-offs to loans | 0.0028% | 4,114 |
| Credit loss provision to net charge-offs | 7,100.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,212.0000% | 13 |
| Efficiency ratio | 59.0147% | 5,716 |
| Assets per employee ($millions) | 5.8990% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 6,564 |
| Loan loss allowance to noncurrent loans | 751.0791% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 6,502 |
| Noncurrent loans to loans | 0.0957% | 6,192 |
| Net loans and leases to total assets | 37.0462% | 6,219 |
| Net loans and leases to deposits | 41.4718% | 6,351 |
| Net loans and leases to core deposits | 43.7807% | 6,321 |
| Total domestic deposits to total assets | 89.3287% | 1,469 |
| Equity capital to assets | 10.0811% | 4,040 |
| Core capital (leverage) ratio | 9.3643% | 4,296 |
| Tier 1 risk-based capital ratio | 20.8077% | 1,581 |
| Total risk-based capital ratio | 21.4125% | 1,700 |
| Memoranda: | ||
| Average total assets | $385,884,500 | 1,735 |
| Average earning assets | $369,077,000 | 1,659 |
| Average equity | $39,244,500 | 1,805 |
| Average total loans | $142,550,000 | 2,685 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 6,106 |
| Cost of funding earning assets | 0.8359% | 2,384 |
| Net interest margin | 2.8313% | 6,350 |
| Noninterest income to average assets | 0.4852% | 4,000 |
| Noninterest expense to average assets | 1.8582% | 6,540 |
| Loan and lease loss provision to assets | 0.0044% | 5,872 |
| Net operating income to assets | 0.9855% | 2,404 |
| Return on assets (ROA) | 1.2418% | 1,635 |
| Pretax return on assets | 1.6683% | 1,219 |
| Return on Equity (ROE) | 12.1816% | 1,457 |
| Retained earnings to average equity (ytd only) | 10.8361% | 457 |
| Net charge-offs to loans | 0.0211% | 5,606 |
| Credit loss provision to net charge-offs | 55.1724% | 4,575 |
| Earnings coverage of net charge-offs (x) | 168.0345% | 249 |
| Efficiency ratio | 57.9694% | 5,834 |
| Assets per employee ($millions) | 5.8836% | 1,372 |
| Cash dividends to net income (ytd only)* | 11.0454% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 6,641 |
| Loan loss allowance to noncurrent loans | 523.6559% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 6,380 |
| Noncurrent loans to loans | 0.1330% | 6,151 |
| Net loans and leases to total assets | 36.3065% | 6,409 |
| Net loans and leases to deposits | 40.7134% | 6,518 |
| Net loans and leases to core deposits | 42.7968% | 6,513 |
| Total domestic deposits to total assets | 89.1757% | 1,451 |
| Equity capital to assets | 10.2605% | 3,810 |
| Core capital (leverage) ratio | 9.2550% | 4,492 |
| Tier 1 risk-based capital ratio | 20.9402% | 1,478 |
| Total risk-based capital ratio | 21.5245% | 1,581 |
| Memoranda: | ||
| Average total assets | $367,443,000 | 1,775 |
| Average earning assets | $350,299,000 | 1,704 |
| Average equity | $37,458,200 | 1,855 |
| Average total loans | $137,402,600 | 2,751 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 6,150 |
| Cost of funding earning assets | 0.8554% | 2,497 |
| Net interest margin | 2.8852% | 6,385 |
| Noninterest income to average assets | 0.4714% | 4,125 |
| Noninterest expense to average assets | 1.8590% | 6,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0041% | 2,480 |
| Return on assets (ROA) | 1.1918% | 1,947 |
| Pretax return on assets | 1.6174% | 1,518 |
| Return on Equity (ROE) | 11.7110% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.7110% | 578 |
| Net charge-offs to loans | 0.0136% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 265.6604% | 173 |
| Efficiency ratio | 57.2972% | 5,884 |
| Assets per employee ($millions) | 5.6737% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 6,747 |
| Loan loss allowance to noncurrent loans | 2,211.3636% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 6,752 |
| Noncurrent loans to loans | 0.0318% | 6,540 |
| Net loans and leases to total assets | 37.2793% | 6,464 |
| Net loans and leases to deposits | 42.0915% | 6,592 |
| Net loans and leases to core deposits | 44.3788% | 6,581 |
| Total domestic deposits to total assets | 88.5673% | 1,682 |
| Equity capital to assets | 10.6445% | 3,678 |
| Core capital (leverage) ratio | 9.2051% | 4,756 |
| Tier 1 risk-based capital ratio | 20.9841% | 1,530 |
| Total risk-based capital ratio | 21.5830% | 1,645 |
| Memoranda: | ||
| Average total assets | $363,694,750 | 1,816 |
| Average earning assets | $346,820,750 | 1,737 |
| Average equity | $37,012,750 | 1,898 |
| Average total loans | $136,797,500 | 2,795 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 6,082 |
| Cost of funding earning assets | 0.8766% | 2,591 |
| Net interest margin | 2.9483% | 6,343 |
| Noninterest income to average assets | 0.4276% | 4,452 |
| Noninterest expense to average assets | 1.8768% | 6,647 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9910% | 2,501 |
| Return on assets (ROA) | 1.1442% | 2,114 |
| Pretax return on assets | 1.5685% | 1,643 |
| Return on Equity (ROE) | 11.4215% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.4215% | 672 |
| Net charge-offs to loans | 0.0161% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 223.5455% | 193 |
| Efficiency ratio | 57.6161% | 5,917 |
| Assets per employee ($millions) | 5.7773% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 6,818 |
| Loan loss allowance to noncurrent loans | 1,501.5385% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,786 |
| Noncurrent loans to loans | 0.0472% | 6,561 |
| Net loans and leases to total assets | 36.9500% | 6,550 |
| Net loans and leases to deposits | 41.4399% | 6,679 |
| Net loans and leases to core deposits | 43.7184% | 6,674 |
| Total domestic deposits to total assets | 89.1653% | 1,408 |
| Equity capital to assets | 10.1713% | 4,091 |
| Core capital (leverage) ratio | 9.0412% | 4,855 |
| Tier 1 risk-based capital ratio | 20.4739% | 1,583 |
| Total risk-based capital ratio | 21.0813% | 1,716 |
| Memoranda: | ||
| Average total assets | $361,995,670 | 1,824 |
| Average earning assets | $344,743,000 | 1,752 |
| Average equity | $36,265,000 | 1,921 |
| Average total loans | $136,244,670 | 2,810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 6,042 |
| Cost of funding earning assets | 0.8989% | 2,703 |
| Net interest margin | 2.9893% | 6,312 |
| Noninterest income to average assets | 0.4490% | 4,296 |
| Noninterest expense to average assets | 1.8698% | 6,696 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0348% | 2,347 |
| Return on assets (ROA) | 1.1750% | 1,997 |
| Pretax return on assets | 1.6129% | 1,532 |
| Return on Equity (ROE) | 11.8224% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.8224% | 848 |
| Net charge-offs to loans | 0.0472% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 421 |
| Efficiency ratio | 56.3136% | 6,091 |
| Assets per employee ($millions) | 5.6459% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 6,849 |
| Loan loss allowance to noncurrent loans | 194.2000% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 5,954 |
| Noncurrent loans to loans | 0.3726% | 5,926 |
| Net loans and leases to total assets | 36.8650% | 6,567 |
| Net loans and leases to deposits | 41.2699% | 6,690 |
| Net loans and leases to core deposits | 43.4036% | 6,681 |
| Total domestic deposits to total assets | 89.3266% | 1,470 |
| Equity capital to assets | 9.9838% | 4,139 |
| Core capital (leverage) ratio | 8.9695% | 4,883 |
| Tier 1 risk-based capital ratio | 20.0484% | 1,702 |
| Total risk-based capital ratio | 20.6592% | 1,832 |
| Memoranda: | ||
| Average total assets | $358,120,500 | 1,847 |
| Average earning assets | $340,414,000 | 1,774 |
| Average equity | $35,593,500 | 1,951 |
| Average total loans | $135,568,500 | 2,844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 5,925 |
| Cost of funding earning assets | 1.0441% | 3,070 |
| Net interest margin | 3.2028% | 6,089 |
| Noninterest income to average assets | 0.4119% | 4,519 |
| Noninterest expense to average assets | 1.8515% | 6,897 |
| Loan and lease loss provision to assets | 0.0270% | 6,238 |
| Net operating income to assets | 1.1602% | 1,638 |
| Return on assets (ROA) | 1.2785% | 1,398 |
| Pretax return on assets | 1.7423% | 905 |
| Return on Equity (ROE) | 13.0578% | 1,148 |
| Retained earnings to average equity (ytd only) | 11.5126% | 343 |
| Net charge-offs to loans | -0.0519% | 7,059 |
| Credit loss provision to net charge-offs | -130.4348% | 6,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5324% | 6,559 |
| Assets per employee ($millions) | 5.9151% | 1,295 |
| Cash dividends to net income (ytd only)* | 11.8338% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 6,877 |
| Loan loss allowance to noncurrent loans | 197.4000% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 6,033 |
| Noncurrent loans to loans | 0.3651% | 5,988 |
| Net loans and leases to total assets | 38.3123% | 6,639 |
| Net loans and leases to deposits | 42.7915% | 6,775 |
| Net loans and leases to core deposits | 44.7519% | 6,783 |
| Total domestic deposits to total assets | 89.5327% | 1,246 |
| Equity capital to assets | 9.8934% | 4,315 |
| Core capital (leverage) ratio | 9.1658% | 4,520 |
| Tier 1 risk-based capital ratio | 19.3050% | 1,816 |
| Total risk-based capital ratio | 19.9235% | 1,962 |
| Memoranda: | ||
| Average total assets | $333,126,400 | 1,942 |
| Average earning assets | $316,914,200 | 1,859 |
| Average equity | $32,616,400 | 2,041 |
| Average total loans | $132,869,400 | 2,938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 5,877 |
| Cost of funding earning assets | 1.0798% | 3,109 |
| Net interest margin | 3.2441% | 6,034 |
| Noninterest income to average assets | 0.4622% | 4,202 |
| Noninterest expense to average assets | 1.8282% | 6,952 |
| Loan and lease loss provision to assets | 0.0366% | 5,979 |
| Net operating income to assets | 1.2174% | 1,607 |
| Return on assets (ROA) | 1.3460% | 1,367 |
| Pretax return on assets | 1.8640% | 840 |
| Return on Equity (ROE) | 13.7862% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.7862% | 306 |
| Net charge-offs to loans | -0.0607% | 7,087 |
| Credit loss provision to net charge-offs | -150.0000% | 6,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4957% | 6,724 |
| Assets per employee ($millions) | 5.8434% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 6,846 |
| Loan loss allowance to noncurrent loans | 1,853.4483% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 6,414 |
| Noncurrent loans to loans | 0.0423% | 6,837 |
| Net loans and leases to total assets | 38.8422% | 6,719 |
| Net loans and leases to deposits | 43.6066% | 6,852 |
| Net loans and leases to core deposits | 45.6720% | 6,860 |
| Total domestic deposits to total assets | 89.0743% | 1,388 |
| Equity capital to assets | 10.0584% | 4,265 |
| Core capital (leverage) ratio | 8.6961% | 5,417 |
| Tier 1 risk-based capital ratio | 18.8516% | 1,976 |
| Total risk-based capital ratio | 19.5234% | 2,125 |
| Memoranda: | ||
| Average total assets | $327,682,000 | 1,976 |
| Average earning assets | $311,906,000 | 1,895 |
| Average equity | $31,992,500 | 2,073 |
| Average total loans | $131,847,000 | 2,977 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 5,701 |
| Cost of funding earning assets | 1.1278% | 3,047 |
| Net interest margin | 3.2701% | 5,937 |
| Noninterest income to average assets | 0.4306% | 4,420 |
| Noninterest expense to average assets | 1.8748% | 6,979 |
| Loan and lease loss provision to assets | 0.0562% | 5,614 |
| Net operating income to assets | 1.1667% | 1,676 |
| Return on assets (ROA) | 1.2117% | 1,618 |
| Pretax return on assets | 1.6842% | 1,087 |
| Return on Equity (ROE) | 12.5495% | 1,324 |
| Retained earnings to average equity (ytd only) | 12.5495% | 447 |
| Net charge-offs to loans | -0.0984% | 7,162 |
| Credit loss provision to net charge-offs | -140.6250% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7704% | 6,736 |
| Assets per employee ($millions) | 6.3232% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 6,985 |
| Loan loss allowance to noncurrent loans | 5,617.6471% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 6,455 |
| Noncurrent loans to loans | 0.0129% | 6,978 |
| Net loans and leases to total assets | 40.4289% | 6,714 |
| Net loans and leases to deposits | 45.2989% | 6,861 |
| Net loans and leases to core deposits | 48.1835% | 6,849 |
| Total domestic deposits to total assets | 89.2493% | 1,386 |
| Equity capital to assets | 10.1072% | 4,004 |
| Core capital (leverage) ratio | 9.4244% | 4,071 |
| Tier 1 risk-based capital ratio | 20.1299% | 1,586 |
| Total risk-based capital ratio | 20.7672% | 1,686 |
| Memoranda: | ||
| Average total assets | $320,041,670 | 2,022 |
| Average earning assets | $305,556,330 | 1,939 |
| Average equity | $30,901,670 | 2,132 |
| Average total loans | $130,043,670 | 3,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 5,776 |
| Cost of funding earning assets | 1.1665% | 3,049 |
| Net interest margin | 3.2065% | 6,051 |
| Noninterest income to average assets | 0.4115% | 4,611 |
| Noninterest expense to average assets | 1.8869% | 7,010 |
| Loan and lease loss provision to assets | 0.0753% | 5,059 |
| Net operating income to assets | 1.0777% | 1,918 |
| Return on assets (ROA) | 1.1668% | 1,659 |
| Pretax return on assets | 1.6373% | 1,112 |
| Return on Equity (ROE) | 12.3771% | 1,360 |
| Retained earnings to average equity (ytd only) | 12.3771% | 682 |
| Net charge-offs to loans | -0.1453% | 7,195 |
| Credit loss provision to net charge-offs | -127.6596% | 5,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3156% | 6,666 |
| Assets per employee ($millions) | 6.2771% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 7,071 |
| Loan loss allowance to noncurrent loans | 45,400.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 6,453 |
| Noncurrent loans to loans | 0.0016% | 7,091 |
| Net loans and leases to total assets | 39.9005% | 6,782 |
| Net loans and leases to deposits | 44.3934% | 6,941 |
| Net loans and leases to core deposits | 46.9933% | 6,927 |
| Total domestic deposits to total assets | 89.8795% | 1,228 |
| Equity capital to assets | 9.5489% | 4,370 |
| Core capital (leverage) ratio | 9.1864% | 4,314 |
| Tier 1 risk-based capital ratio | 19.6080% | 1,672 |
| Total risk-based capital ratio | 20.2187% | 1,771 |
| Memoranda: | ||
| Average total assets | $318,821,500 | 2,044 |
| Average earning assets | $304,503,500 | 1,958 |
| Average equity | $30,055,500 | 2,171 |
| Average total loans | $129,400,000 | 3,074 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 5,546 |
| Cost of funding earning assets | 1.4350% | 3,046 |
| Net interest margin | 3.3324% | 5,862 |
| Noninterest income to average assets | 0.4850% | 4,283 |
| Noninterest expense to average assets | 1.8080% | 7,253 |
| Loan and lease loss provision to assets | 0.2049% | 5,192 |
| Net operating income to assets | 1.1656% | 1,496 |
| Return on assets (ROA) | 1.3402% | 1,150 |
| Pretax return on assets | 1.8808% | 638 |
| Return on Equity (ROE) | 14.3416% | 824 |
| Retained earnings to average equity (ytd only) | 12.6673% | 231 |
| Net charge-offs to loans | 0.2495% | 4,795 |
| Credit loss provision to net charge-offs | 186.9436% | 1,746 |
| Earnings coverage of net charge-offs (x) | 16.7834% | 1,187 |
| Efficiency ratio | 49.5630% | 7,158 |
| Assets per employee ($millions) | 6.2257% | 1,074 |
| Cash dividends to net income (ytd only)* | 11.6748% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6154% | 7,245 |
| Loan loss allowance to noncurrent loans | 1,001.2500% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,395 |
| Noncurrent loans to loans | 0.0615% | 6,967 |
| Net loans and leases to total assets | 40.7408% | 6,922 |
| Net loans and leases to deposits | 45.1487% | 7,074 |
| Net loans and leases to core deposits | 47.8698% | 7,079 |
| Total domestic deposits to total assets | 90.2369% | 966 |
| Equity capital to assets | 9.3042% | 4,682 |
| Core capital (leverage) ratio | 8.9072% | 4,681 |
| Tier 1 risk-based capital ratio | 18.9540% | 1,735 |
| Total risk-based capital ratio | 19.4912% | 1,885 |
| Memoranda: | ||
| Average total assets | $307,415,200 | 2,110 |
| Average earning assets | $291,775,000 | 2,033 |
| Average equity | $28,727,600 | 2,264 |
| Average total loans | $135,085,200 | 3,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 5,453 |
| Cost of funding earning assets | 1.4881% | 3,048 |
| Net interest margin | 3.3662% | 5,791 |
| Noninterest income to average assets | 0.5068% | 4,128 |
| Noninterest expense to average assets | 1.8485% | 7,271 |
| Loan and lease loss provision to assets | 0.2099% | 4,965 |
| Net operating income to assets | 1.1403% | 1,765 |
| Return on assets (ROA) | 1.3307% | 1,359 |
| Pretax return on assets | 1.9097% | 753 |
| Return on Equity (ROE) | 14.2239% | 988 |
| Retained earnings to average equity (ytd only) | 14.2239% | 263 |
| Net charge-offs to loans | 0.3365% | 3,965 |
| Credit loss provision to net charge-offs | 139.5349% | 2,852 |
| Earnings coverage of net charge-offs (x) | 12.2818% | 1,703 |
| Efficiency ratio | 50.0118% | 7,150 |
| Assets per employee ($millions) | 6.1820% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4788% | 7,478 |
| Loan loss allowance to noncurrent loans | 16,100.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,571 |
| Noncurrent loans to loans | 0.0030% | 7,267 |
| Net loans and leases to total assets | 42.4548% | 6,952 |
| Net loans and leases to deposits | 47.4086% | 7,109 |
| Net loans and leases to core deposits | 50.1410% | 7,117 |
| Total domestic deposits to total assets | 89.5509% | 1,097 |
| Equity capital to assets | 9.6726% | 4,580 |
| Core capital (leverage) ratio | 8.9716% | 4,737 |
| Tier 1 risk-based capital ratio | 18.4584% | 1,878 |
| Total risk-based capital ratio | 18.8887% | 2,100 |
| Memoranda: | ||
| Average total assets | $304,891,000 | 2,154 |
| Average earning assets | $288,867,500 | 2,085 |
| Average equity | $28,524,000 | 2,308 |
| Average total loans | $136,317,000 | 3,049 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 5,230 |
| Cost of funding earning assets | 1.5471% | 2,973 |
| Net interest margin | 3.3922% | 5,670 |
| Noninterest income to average assets | 0.5016% | 4,106 |
| Noninterest expense to average assets | 1.8625% | 7,313 |
| Loan and lease loss provision to assets | 0.2521% | 4,401 |
| Net operating income to assets | 1.1112% | 1,816 |
| Return on assets (ROA) | 1.3337% | 1,306 |
| Pretax return on assets | 1.9275% | 699 |
| Return on Equity (ROE) | 14.4258% | 951 |
| Retained earnings to average equity (ytd only) | 14.4258% | 283 |
| Net charge-offs to loans | 0.5083% | 3,006 |
| Credit loss provision to net charge-offs | 109.1954% | 3,738 |
| Earnings coverage of net charge-offs (x) | 8.0431% | 2,200 |
| Efficiency ratio | 50.0714% | 7,220 |
| Assets per employee ($millions) | 6.0210% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 7,599 |
| Loan loss allowance to noncurrent loans | 7,714.2857% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 7,347 |
| Noncurrent loans to loans | 0.0052% | 7,326 |
| Net loans and leases to total assets | 43.8630% | 6,932 |
| Net loans and leases to deposits | 48.8103% | 7,119 |
| Net loans and leases to core deposits | 51.7314% | 7,145 |
| Total domestic deposits to total assets | 89.8643% | 987 |
| Equity capital to assets | 9.4574% | 4,769 |
| Core capital (leverage) ratio | 8.7827% | 4,944 |
| Tier 1 risk-based capital ratio | 18.0717% | 1,942 |
| Total risk-based capital ratio | 18.4386% | 2,167 |
| Memoranda: | ||
| Average total assets | $301,427,670 | 2,192 |
| Average earning assets | $285,947,000 | 2,116 |
| Average equity | $27,866,670 | 2,341 |
| Average total loans | $136,924,000 | 3,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 5,395 |
| Cost of funding earning assets | 1.6238% | 2,808 |
| Net interest margin | 3.2898% | 6,010 |
| Noninterest income to average assets | 0.5010% | 4,040 |
| Noninterest expense to average assets | 1.8901% | 7,346 |
| Loan and lease loss provision to assets | 0.1139% | 5,475 |
| Net operating income to assets | 1.1144% | 1,784 |
| Return on assets (ROA) | 1.5137% | 939 |
| Pretax return on assets | 2.2022% | 418 |
| Return on Equity (ROE) | 16.5692% | 646 |
| Retained earnings to average equity (ytd only) | 16.5692% | 305 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1049% | 7,141 |
| Assets per employee ($millions) | 5.8549% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 7,667 |
| Loan loss allowance to noncurrent loans | 198.9933% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 7,196 |
| Noncurrent loans to loans | 0.2165% | 6,904 |
| Net loans and leases to total assets | 45.9017% | 6,837 |
| Net loans and leases to deposits | 51.0926% | 7,076 |
| Net loans and leases to core deposits | 54.1003% | 7,096 |
| Total domestic deposits to total assets | 89.8403% | 1,074 |
| Equity capital to assets | 9.3446% | 4,770 |
| Core capital (leverage) ratio | 8.6368% | 5,143 |
| Tier 1 risk-based capital ratio | 17.2446% | 2,178 |
| Total risk-based capital ratio | 17.6423% | 2,445 |
| Memoranda: | ||
| Average total assets | $298,605,500 | 2,258 |
| Average earning assets | $283,784,500 | 2,183 |
| Average equity | $27,279,500 | 2,421 |
| Average total loans | $137,770,500 | 3,111 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 3,899 |
| Cost of funding earning assets | 1.9422% | 3,248 |
| Net interest margin | 3.6034% | 4,538 |
| Noninterest income to average assets | 0.5782% | 3,797 |
| Noninterest expense to average assets | 2.0394% | 7,300 |
| Loan and lease loss provision to assets | 0.0073% | 7,394 |
| Net operating income to assets | 1.3502% | 942 |
| Return on assets (ROA) | 1.3482% | 992 |
| Pretax return on assets | 1.9607% | 438 |
| Return on Equity (ROE) | 15.0300% | 665 |
| Retained earnings to average equity (ytd only) | 13.3229% | 139 |
| Net charge-offs to loans | 0.0120% | 7,055 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | 337.8750% | 86 |
| Efficiency ratio | 50.8545% | 7,484 |
| Assets per employee ($millions) | 5.7425% | 1,426 |
| Cash dividends to net income (ytd only)* | 11.3575% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3684% | 7,784 |
| Loan loss allowance to noncurrent loans | 221.8341% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 7,304 |
| Noncurrent loans to loans | 0.1661% | 7,008 |
| Net loans and leases to total assets | 46.0055% | 6,973 |
| Net loans and leases to deposits | 50.9005% | 7,206 |
| Net loans and leases to core deposits | 71.1032% | 6,705 |
| Total domestic deposits to total assets | 90.3831% | 787 |
| Equity capital to assets | 8.9267% | 5,254 |
| Core capital (leverage) ratio | 8.3321% | 5,553 |
| Tier 1 risk-based capital ratio | 16.4260% | 2,347 |
| Total risk-based capital ratio | 16.7654% | 2,662 |
| Memoranda: | ||
| Average total assets | $274,293,000 | 2,387 |
| Average earning assets | $261,252,600 | 2,316 |
| Average equity | $24,604,200 | 2,650 |
| Average total loans | $133,147,400 | 3,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6424% | 3,620 |
| Cost of funding earning assets | 1.9958% | 3,379 |
| Net interest margin | 3.6466% | 4,289 |
| Noninterest income to average assets | 0.6124% | 3,600 |
| Noninterest expense to average assets | 2.0749% | 7,232 |
| Loan and lease loss provision to assets | 0.0099% | 7,230 |
| Net operating income to assets | 1.3663% | 1,091 |
| Return on assets (ROA) | 1.3636% | 1,154 |
| Pretax return on assets | 1.9959% | 546 |
| Return on Equity (ROE) | 15.1808% | 749 |
| Retained earnings to average equity (ytd only) | 15.1808% | 153 |
| Net charge-offs to loans | -0.0051% | 7,631 |
| Credit loss provision to net charge-offs | -400.0000% | 7,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7971% | 7,498 |
| Assets per employee ($millions) | 5.5650% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3927% | 7,827 |
| Loan loss allowance to noncurrent loans | 1,230.2326% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 7,554 |
| Noncurrent loans to loans | 0.0319% | 7,435 |
| Net loans and leases to total assets | 46.3685% | 7,079 |
| Net loans and leases to deposits | 51.3427% | 7,339 |
| Net loans and leases to core deposits | 71.7942% | 6,860 |
| Total domestic deposits to total assets | 90.3118% | 663 |
| Equity capital to assets | 9.0227% | 5,450 |
| Core capital (leverage) ratio | 8.5203% | 5,458 |
| Tier 1 risk-based capital ratio | 16.5272% | 2,418 |
| Total risk-based capital ratio | 16.8907% | 2,698 |
| Memoranda: | ||
| Average total assets | $268,213,750 | 2,448 |
| Average earning assets | $255,391,500 | 2,382 |
| Average equity | $24,091,250 | 2,738 |
| Average total loans | $131,963,000 | 3,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 3,301 |
| Cost of funding earning assets | 2.0443% | 3,548 |
| Net interest margin | 3.7045% | 3,933 |
| Noninterest income to average assets | 0.6050% | 3,648 |
| Noninterest expense to average assets | 2.0103% | 7,445 |
| Loan and lease loss provision to assets | 0.0153% | 7,070 |
| Net operating income to assets | 1.4363% | 947 |
| Return on assets (ROA) | 1.4321% | 1,020 |
| Pretax return on assets | 2.0968% | 436 |
| Return on Equity (ROE) | 15.9704% | 700 |
| Retained earnings to average equity (ytd only) | 15.9704% | 161 |
| Net charge-offs to loans | -0.0092% | 7,597 |
| Credit loss provision to net charge-offs | -333.3333% | 7,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6923% | 7,731 |
| Assets per employee ($millions) | 5.4008% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4035% | 7,899 |
| Loan loss allowance to noncurrent loans | 2,208.3333% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 7,624 |
| Noncurrent loans to loans | 0.0183% | 7,504 |
| Net loans and leases to total assets | 47.4919% | 7,078 |
| Net loans and leases to deposits | 52.3466% | 7,363 |
| Net loans and leases to core deposits | 71.4138% | 6,939 |
| Total domestic deposits to total assets | 90.7258% | 545 |
| Equity capital to assets | 8.7401% | 5,700 |
| Core capital (leverage) ratio | 8.6769% | 5,132 |
| Tier 1 risk-based capital ratio | 16.3686% | 2,494 |
| Total risk-based capital ratio | 16.7429% | 2,747 |
| Memoranda: | ||
| Average total assets | $261,157,670 | 2,528 |
| Average earning assets | $248,397,330 | 2,453 |
| Average equity | $23,418,330 | 2,822 |
| Average total loans | $131,047,000 | 3,320 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 3,195 |
| Cost of funding earning assets | 2.1280% | 3,523 |
| Net interest margin | 3.6926% | 3,923 |
| Noninterest income to average assets | 0.5480% | 3,940 |
| Noninterest expense to average assets | 2.0613% | 7,211 |
| Loan and lease loss provision to assets | 0.0315% | 6,539 |
| Net operating income to assets | 1.3392% | 1,288 |
| Return on assets (ROA) | 1.3306% | 1,409 |
| Pretax return on assets | 1.9511% | 722 |
| Return on Equity (ROE) | 14.6381% | 1,045 |
| Retained earnings to average equity (ytd only) | 14.6381% | 453 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8152% | 7,528 |
| Assets per employee ($millions) | 5.1578% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4046% | 7,939 |
| Loan loss allowance to noncurrent loans | 2,381.8182% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 7,619 |
| Noncurrent loans to loans | 0.0170% | 7,517 |
| Net loans and leases to total assets | 49.0405% | 6,945 |
| Net loans and leases to deposits | 54.4745% | 7,255 |
| Net loans and leases to core deposits | 71.9498% | 6,915 |
| Total domestic deposits to total assets | 90.0247% | 792 |
| Equity capital to assets | 9.0469% | 5,299 |
| Core capital (leverage) ratio | 8.7662% | 5,036 |
| Tier 1 risk-based capital ratio | 16.0263% | 2,685 |
| Total risk-based capital ratio | 16.4054% | 2,941 |
| Memoranda: | ||
| Average total assets | $254,015,000 | 2,600 |
| Average earning assets | $241,350,000 | 2,525 |
| Average equity | $23,090,500 | 2,870 |
| Average total loans | $130,899,000 | 3,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3291% | 3,798 |
| Cost of funding earning assets | 2.6402% | 3,484 |
| Net interest margin | 3.6889% | 4,517 |
| Noninterest income to average assets | 0.7661% | 2,691 |
| Noninterest expense to average assets | 2.1953% | 6,977 |
| Loan and lease loss provision to assets | 0.0044% | 7,302 |
| Net operating income to assets | 1.3866% | 1,258 |
| Return on assets (ROA) | 1.3860% | 1,210 |
| Pretax return on assets | 2.0313% | 554 |
| Return on Equity (ROE) | 15.5277% | 848 |
| Retained earnings to average equity (ytd only) | 13.7044% | 134 |
| Net charge-offs to loans | 0.0087% | 6,809 |
| Credit loss provision to net charge-offs | 90.9091% | 5,657 |
| Earnings coverage of net charge-offs (x) | 423.1818% | 122 |
| Efficiency ratio | 51.8764% | 7,501 |
| Assets per employee ($millions) | 4.8035% | 2,173 |
| Cash dividends to net income (ytd only)* | 11.7424% | 4,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3810% | 8,006 |
| Loan loss allowance to noncurrent loans | 5,040.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,639 |
| Noncurrent loans to loans | 0.0076% | 7,526 |
| Net loans and leases to total assets | 53.7877% | 6,679 |
| Net loans and leases to deposits | 59.6612% | 7,117 |
| Net loans and leases to core deposits | 76.3688% | 6,841 |
| Total domestic deposits to total assets | 90.1551% | 590 |
| Equity capital to assets | 9.1367% | 5,169 |
| Core capital (leverage) ratio | 8.8219% | 5,004 |
| Tier 1 risk-based capital ratio | 15.6327% | 2,801 |
| Total risk-based capital ratio | 16.0024% | 3,094 |
| Memoranda: | ||
| Average total assets | $228,574,200 | 2,783 |
| Average earning assets | $214,754,000 | 2,715 |
| Average equity | $20,402,200 | 3,168 |
| Average total loans | $127,131,200 | 3,315 |