Home > Texas Partners Bank > Performance and Condition Ratios
Texas Partners 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 | 4.8222% | 2,434 |
| Cost of funding earning assets | 2.0392% | 868 |
| Net interest margin | 2.7830% | 3,693 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.3662% | 2,674 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5426% | 3,583 |
| Return on assets (ROA) | 0.5426% | 3,572 |
| Pretax return on assets | 0.7056% | 3,424 |
| Return on Equity (ROE) | 6.4700% | 3,425 |
| Retained earnings to average equity (ytd only) | 1.3797% | 3,741 |
| Net charge-offs to loans | -0.0004% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.9923% | 1,461 |
| Assets per employee ($millions) | 9.3873% | 864 |
| Cash dividends to net income (ytd only)* | 78.6739% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 2,840 |
| Loan loss allowance to noncurrent loans | 9,922.8426% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,721 |
| Noncurrent loans to loans | 0.0111% | 3,677 |
| Net loans and leases to total assets | 79.6900% | 678 |
| Net loans and leases to deposits | 87.9490% | 1,440 |
| Net loans and leases to core deposits | 96.3814% | 1,636 |
| Total domestic deposits to total assets | 90.6100% | 600 |
| Equity capital to assets | 8.2199% | 3,264 |
| Core capital (leverage) ratio | 9.2229% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6367% | 2,677 |
| Memoranda: | ||
| Average total assets | $2,131,925,400 | 541 |
| Average earning assets | $2,044,598,400 | 509 |
| Average equity | $178,811,800 | 591 |
| Average total loans | $1,693,137,400 | 468 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 2,462 |
| Cost of funding earning assets | 1.8627% | 911 |
| Net interest margin | 2.8419% | 3,654 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4326% | 2,429 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5767% | 3,607 |
| Return on assets (ROA) | 0.5767% | 3,591 |
| Pretax return on assets | 0.7576% | 3,432 |
| Return on Equity (ROE) | 6.8400% | 3,471 |
| Retained earnings to average equity (ytd only) | 0.6854% | 4,012 |
| Net charge-offs to loans | 0.0073% | 2,164 |
| Credit loss provision to net charge-offs | 1,324.1758% | 332 |
| Earnings coverage of net charge-offs (x) | 142.6374% | 756 |
| Efficiency ratio | 72.5994% | 1,500 |
| Assets per employee ($millions) | 9.3659% | 816 |
| Cash dividends to net income (ytd only)* | 89.9803% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 2,864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.5700% | 934 |
| Net loans and leases to deposits | 85.2176% | 1,636 |
| Net loans and leases to core deposits | 93.0930% | 1,724 |
| Total domestic deposits to total assets | 91.0300% | 660 |
| Equity capital to assets | 7.7375% | 3,219 |
| Core capital (leverage) ratio | 9.3540% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7925% | 2,668 |
| Memoranda: | ||
| Average total assets | $2,113,402,000 | 547 |
| Average earning assets | $2,026,648,500 | 516 |
| Average equity | $178,181,750 | 592 |
| Average total loans | $1,672,035,500 | 474 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,437 |
| Cost of funding earning assets | 1.6642% | 944 |
| Net interest margin | 2.9235% | 3,602 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.4311% | 2,406 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6300% | 3,505 |
| Return on assets (ROA) | 0.6300% | 3,516 |
| Pretax return on assets | 0.8429% | 3,297 |
| Return on Equity (ROE) | 7.2600% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,513 |
| Net charge-offs to loans | 0.0071% | 1,969 |
| Credit loss provision to net charge-offs | 1,310.1695% | 339 |
| Earnings coverage of net charge-offs (x) | 161.9831% | 712 |
| Efficiency ratio | 69.4457% | 1,817 |
| Assets per employee ($millions) | 8.7991% | 969 |
| Cash dividends to net income (ytd only)* | 13.3283% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 2,969 |
| Loan loss allowance to noncurrent loans | 132,892.8571% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,905 |
| Noncurrent loans to loans | 0.0008% | 3,836 |
| Net loans and leases to total assets | 79.1300% | 723 |
| Net loans and leases to deposits | 87.6555% | 1,373 |
| Net loans and leases to core deposits | 91.1492% | 1,727 |
| Total domestic deposits to total assets | 90.2700% | 852 |
| Equity capital to assets | 8.5442% | 2,827 |
| Core capital (leverage) ratio | 9.9737% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3300% | 2,526 |
| Memoranda: | ||
| Average total assets | $2,084,204,000 | 541 |
| Average earning assets | $1,998,602,667 | 514 |
| Average equity | $180,808,000 | 572 |
| Average total loans | $1,653,906,333 | 462 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 2,345 |
| Cost of funding earning assets | 1.4488% | 942 |
| Net interest margin | 3.0388% | 3,499 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.3181% | 2,769 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8712% | 2,952 |
| Return on assets (ROA) | 0.8712% | 2,905 |
| Pretax return on assets | 1.0962% | 2,718 |
| Return on Equity (ROE) | 9.9700% | 2,794 |
| Retained earnings to average equity (ytd only) | 9.9657% | 1,709 |
| Net charge-offs to loans | 0.0130% | 1,469 |
| Credit loss provision to net charge-offs | 643.3962% | 480 |
| Earnings coverage of net charge-offs (x) | 111.4151% | 735 |
| Efficiency ratio | 66.5678% | 2,145 |
| Assets per employee ($millions) | 8.8766% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,049 |
| 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 | 78.6300% | 695 |
| Net loans and leases to deposits | 87.1399% | 1,280 |
| Net loans and leases to core deposits | 89.9288% | 1,619 |
| Total domestic deposits to total assets | 90.2400% | 1,070 |
| Equity capital to assets | 8.7900% | 2,668 |
| Core capital (leverage) ratio | 9.8638% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1043% | 2,698 |
| Memoranda: | ||
| Average total assets | $2,066,020,000 | 558 |
| Average earning assets | $1,981,281,500 | 526 |
| Average equity | $180,619,500 | 584 |
| Average total loans | $1,632,551,500 | 477 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 2,319 |
| Cost of funding earning assets | 0.4509% | 1,719 |
| Net interest margin | 3.3341% | 2,474 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.1877% | 3,063 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1857% | 1,830 |
| Return on assets (ROA) | 1.1857% | 1,765 |
| Pretax return on assets | 1.4947% | 1,473 |
| Return on Equity (ROE) | 14.2100% | 1,487 |
| Retained earnings to average equity (ytd only) | 9.4516% | 1,333 |
| Net charge-offs to loans | -0.0029% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5610% | 3,520 |
| Assets per employee ($millions) | 8.8194% | 968 |
| Cash dividends to net income (ytd only)* | 33.4656% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 3,792 |
| Loan loss allowance to noncurrent loans | 19,771.2329% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 3,627 |
| Noncurrent loans to loans | 0.0045% | 3,845 |
| Net loans and leases to total assets | 77.8200% | 815 |
| Net loans and leases to deposits | 85.6300% | 1,344 |
| Net loans and leases to core deposits | 87.5785% | 1,642 |
| Total domestic deposits to total assets | 90.8800% | 999 |
| Equity capital to assets | 8.6943% | 2,566 |
| Core capital (leverage) ratio | 9.9754% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9873% | 2,740 |
| Memoranda: | ||
| Average total assets | $2,062,297,400 | 533 |
| Average earning assets | $1,984,046,000 | 508 |
| Average equity | $172,130,000 | 602 |
| Average total loans | $1,518,953,400 | 471 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 2,325 |
| Cost of funding earning assets | 0.2803% | 2,383 |
| Net interest margin | 3.3260% | 2,209 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.2382% | 2,824 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.1514% | 1,887 |
| Return on assets (ROA) | 1.1514% | 1,861 |
| Pretax return on assets | 1.4512% | 1,551 |
| Return on Equity (ROE) | 13.9400% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.2705% | 1,899 |
| Net charge-offs to loans | -0.0014% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.9858% | 3,518 |
| Assets per employee ($millions) | 8.7912% | 968 |
| Cash dividends to net income (ytd only)* | 40.6676% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 3,907 |
| Loan loss allowance to noncurrent loans | 21,825.7576% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,674 |
| Noncurrent loans to loans | 0.0040% | 3,932 |
| Net loans and leases to total assets | 79.5600% | 568 |
| Net loans and leases to deposits | 87.2088% | 1,087 |
| Net loans and leases to core deposits | 89.7983% | 1,308 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 8.4575% | 2,575 |
| Core capital (leverage) ratio | 9.4437% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5170% | 2,943 |
| Memoranda: | ||
| Average total assets | $2,064,142,250 | 529 |
| Average earning assets | $1,987,251,500 | 510 |
| Average equity | $170,497,500 | 614 |
| Average total loans | $1,495,281,250 | 475 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 2,413 |
| Cost of funding earning assets | 0.1886% | 3,066 |
| Net interest margin | 3.2179% | 2,132 |
| Noninterest income to average assets | 0.7432% | 1,188 |
| Noninterest expense to average assets | 2.2540% | 2,697 |
| Loan and lease loss provision to assets | 0.2156% | 370 |
| Net operating income to assets | 1.0911% | 1,806 |
| Return on assets (ROA) | 1.0911% | 1,790 |
| Pretax return on assets | 1.3748% | 1,509 |
| Return on Equity (ROE) | 13.3138% | 1,287 |
| Retained earnings to average equity (ytd only) | 13.3138% | 430 |
| Net charge-offs to loans | 0.0012% | 2,094 |
| Credit loss provision to net charge-offs | 24,855.5556% | 21 |
| Earnings coverage of net charge-offs (x) | 1,833.5556% | 56 |
| Efficiency ratio | 58.2452% | 3,527 |
| Assets per employee ($millions) | 9.0743% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,030 |
| Loan loss allowance to noncurrent loans | 1,494.7309% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,551 |
| Noncurrent loans to loans | 0.0582% | 3,514 |
| Net loans and leases to total assets | 73.7560% | 940 |
| Net loans and leases to deposits | 81.1262% | 1,307 |
| Net loans and leases to core deposits | 83.8440% | 1,462 |
| Total domestic deposits to total assets | 90.9151% | 1,272 |
| Equity capital to assets | 8.8466% | 2,501 |
| Core capital (leverage) ratio | 9.5572% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1882% | 2,754 |
| Memoranda: | ||
| Average total assets | $2,075,268,000 | 526 |
| Average earning assets | $1,999,960,667 | 507 |
| Average equity | $170,079,333 | 623 |
| Average total loans | $1,450,345,000 | 483 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2147% | 2,639 |
| Cost of funding earning assets | 0.1562% | 3,417 |
| Net interest margin | 3.0584% | 2,297 |
| Noninterest income to average assets | 0.6541% | 1,473 |
| Noninterest expense to average assets | 2.3474% | 2,348 |
| Loan and lease loss provision to assets | 0.2214% | 316 |
| Net operating income to assets | 0.8227% | 2,584 |
| Return on assets (ROA) | 0.8227% | 2,580 |
| Pretax return on assets | 1.0362% | 2,335 |
| Return on Equity (ROE) | 10.4484% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.4484% | 914 |
| Net charge-offs to loans | -0.0281% | 4,056 |
| Credit loss provision to net charge-offs | -1,164.6465% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7046% | 2,947 |
| Assets per employee ($millions) | 9.1071% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,146 |
| Loan loss allowance to noncurrent loans | 17,404.2254% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,068 |
| Noncurrent loans to loans | 0.0049% | 4,001 |
| Net loans and leases to total assets | 68.2286% | 1,190 |
| Net loans and leases to deposits | 73.9865% | 1,612 |
| Net loans and leases to core deposits | 76.6529% | 1,734 |
| Total domestic deposits to total assets | 92.2177% | 501 |
| Equity capital to assets | 7.5675% | 3,882 |
| Core capital (leverage) ratio | 7.9946% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0894% | 3,039 |
| Memoranda: | ||
| Average total assets | $2,082,970,000 | 526 |
| Average earning assets | $2,009,788,500 | 509 |
| Average equity | $164,005,500 | 663 |
| Average total loans | $1,409,214,500 | 491 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 2,572 |
| Cost of funding earning assets | 0.1843% | 3,603 |
| Net interest margin | 3.3471% | 2,182 |
| Noninterest income to average assets | 0.9352% | 1,126 |
| Noninterest expense to average assets | 2.4561% | 2,321 |
| Loan and lease loss provision to assets | 0.2483% | 378 |
| Net operating income to assets | 1.1655% | 2,039 |
| Return on assets (ROA) | 1.1748% | 2,067 |
| Pretax return on assets | 1.4790% | 1,793 |
| Return on Equity (ROE) | 13.2967% | 1,372 |
| Retained earnings to average equity (ytd only) | 9.0593% | 1,179 |
| Net charge-offs to loans | 0.0854% | 950 |
| Credit loss provision to net charge-offs | 401.9143% | 904 |
| Earnings coverage of net charge-offs (x) | 27.7666% | 1,668 |
| Efficiency ratio | 58.4418% | 3,375 |
| Assets per employee ($millions) | 8.7013% | 1,016 |
| Cash dividends to net income (ytd only)* | 31.8681% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.9303% | 1,476 |
| Net loans and leases to deposits | 72.0322% | 1,906 |
| Net loans and leases to core deposits | 74.9034% | 2,004 |
| Total domestic deposits to total assets | 91.5289% | 306 |
| Equity capital to assets | 8.1859% | 4,242 |
| Core capital (leverage) ratio | 7.9638% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3647% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,775,633,000 | 591 |
| Average earning assets | $1,716,882,800 | 563 |
| Average equity | $156,888,600 | 687 |
| Average total loans | $1,284,341,800 | 525 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 2,627 |
| Cost of funding earning assets | 0.1909% | 3,711 |
| Net interest margin | 3.3821% | 2,204 |
| Noninterest income to average assets | 1.0564% | 982 |
| Noninterest expense to average assets | 2.3870% | 2,479 |
| Loan and lease loss provision to assets | 0.2622% | 338 |
| Net operating income to assets | 1.3313% | 1,734 |
| Return on assets (ROA) | 1.3443% | 1,755 |
| Pretax return on assets | 1.6954% | 1,414 |
| Return on Equity (ROE) | 14.8838% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.1247% | 1,651 |
| Net charge-offs to loans | 0.1119% | 683 |
| Credit loss provision to net charge-offs | 316.1321% | 977 |
| Earnings coverage of net charge-offs (x) | 23.4038% | 1,666 |
| Efficiency ratio | 54.7067% | 3,702 |
| Assets per employee ($millions) | 7.8900% | 1,318 |
| Cash dividends to net income (ytd only)* | 38.6939% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,391 |
| Loan loss allowance to noncurrent loans | 2,024.8996% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,997 |
| Noncurrent loans to loans | 0.0382% | 3,935 |
| Net loans and leases to total assets | 68.8803% | 1,211 |
| Net loans and leases to deposits | 75.2871% | 1,739 |
| Net loans and leases to core deposits | 78.1512% | 1,885 |
| Total domestic deposits to total assets | 91.4902% | 236 |
| Equity capital to assets | 8.2422% | 4,391 |
| Core capital (leverage) ratio | 7.8749% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2190% | 3,070 |
| Memoranda: | ||
| Average total assets | $1,703,989,750 | 615 |
| Average earning assets | $1,648,404,000 | 585 |
| Average equity | $153,908,250 | 709 |
| Average total loans | $1,262,746,500 | 545 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 2,442 |
| Cost of funding earning assets | 0.1937% | 3,818 |
| Net interest margin | 3.4659% | 1,957 |
| Noninterest income to average assets | 1.2153% | 787 |
| Noninterest expense to average assets | 2.3307% | 2,670 |
| Loan and lease loss provision to assets | 0.2198% | 480 |
| Net operating income to assets | 1.5957% | 1,058 |
| Return on assets (ROA) | 1.6160% | 1,075 |
| Pretax return on assets | 2.0402% | 768 |
| Return on Equity (ROE) | 17.3155% | 740 |
| Retained earnings to average equity (ytd only) | 17.3155% | 257 |
| Net charge-offs to loans | 0.0901% | 794 |
| Credit loss provision to net charge-offs | 321.3144% | 860 |
| Earnings coverage of net charge-offs (x) | 32.6625% | 1,266 |
| Efficiency ratio | 50.6188% | 4,182 |
| Assets per employee ($millions) | 7.8235% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 4,466 |
| Loan loss allowance to noncurrent loans | 6,233.7931% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,260 |
| Noncurrent loans to loans | 0.0119% | 4,182 |
| Net loans and leases to total assets | 69.2923% | 1,285 |
| Net loans and leases to deposits | 76.4513% | 1,771 |
| Net loans and leases to core deposits | 79.5071% | 1,927 |
| Total domestic deposits to total assets | 90.6359% | 505 |
| Equity capital to assets | 9.1216% | 3,683 |
| Core capital (leverage) ratio | 8.4517% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7703% | 2,785 |
| Memoranda: | ||
| Average total assets | $1,646,049,667 | 629 |
| Average earning assets | $1,590,871,333 | 600 |
| Average equity | $153,620,000 | 706 |
| Average total loans | $1,249,153,667 | 550 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 2,194 |
| Cost of funding earning assets | 0.1942% | 3,961 |
| Net interest margin | 3.5734% | 1,653 |
| Noninterest income to average assets | 1.7861% | 449 |
| Noninterest expense to average assets | 2.2508% | 2,942 |
| Loan and lease loss provision to assets | 0.2653% | 374 |
| Net operating income to assets | 2.1424% | 453 |
| Return on assets (ROA) | 2.1842% | 466 |
| Pretax return on assets | 2.7711% | 313 |
| Return on Equity (ROE) | 23.1180% | 330 |
| Retained earnings to average equity (ytd only) | 23.1180% | 179 |
| Net charge-offs to loans | 0.0278% | 1,213 |
| Credit loss provision to net charge-offs | 1,203.4091% | 362 |
| Earnings coverage of net charge-offs (x) | 135.3409% | 520 |
| Efficiency ratio | 42.6083% | 4,649 |
| Assets per employee ($millions) | 8.0108% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 4,593 |
| Loan loss allowance to noncurrent loans | 3,577.1429% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,271 |
| Noncurrent loans to loans | 0.0191% | 4,192 |
| Net loans and leases to total assets | 77.2361% | 521 |
| Net loans and leases to deposits | 85.5223% | 992 |
| Net loans and leases to core deposits | 88.6760% | 1,319 |
| Total domestic deposits to total assets | 90.3110% | 659 |
| Equity capital to assets | 9.3424% | 3,341 |
| Core capital (leverage) ratio | 9.0236% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0049% | 2,660 |
| Memoranda: | ||
| Average total assets | $1,596,759,500 | 640 |
| Average earning assets | $1,540,829,000 | 610 |
| Average equity | $150,861,000 | 709 |
| Average total loans | $1,264,763,500 | 549 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 2,613 |
| Cost of funding earning assets | 0.3105% | 4,084 |
| Net interest margin | 3.7276% | 1,716 |
| Noninterest income to average assets | 0.8843% | 1,308 |
| Noninterest expense to average assets | 2.7535% | 2,065 |
| Loan and lease loss provision to assets | 1.1464% | 61 |
| Net operating income to assets | 0.4695% | 4,097 |
| Return on assets (ROA) | 0.5051% | 4,102 |
| Pretax return on assets | 0.6222% | 4,034 |
| Return on Equity (ROE) | 5.5777% | 3,721 |
| Retained earnings to average equity (ytd only) | 1.0478% | 4,212 |
| Net charge-offs to loans | 1.2530% | 92 |
| Credit loss provision to net charge-offs | 111.7754% | 2,710 |
| Earnings coverage of net charge-offs (x) | 1.6816% | 3,240 |
| Efficiency ratio | 61.1043% | 3,289 |
| Assets per employee ($millions) | 7.6401% | 1,195 |
| Cash dividends to net income (ytd only)* | 81.2141% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 4,695 |
| Loan loss allowance to noncurrent loans | 5,994.6154% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,399 |
| Noncurrent loans to loans | 0.0104% | 4,337 |
| Net loans and leases to total assets | 80.2440% | 405 |
| Net loans and leases to deposits | 89.0640% | 1,001 |
| Net loans and leases to core deposits | 92.6019% | 1,333 |
| Total domestic deposits to total assets | 90.0970% | 529 |
| Equity capital to assets | 9.5608% | 3,548 |
| Core capital (leverage) ratio | 8.5143% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6973% | 2,732 |
| Memoranda: | ||
| Average total assets | $1,069,743,400 | 824 |
| Average earning assets | $1,031,367,600 | 799 |
| Average equity | $96,867,400 | 984 |
| Average total loans | $875,640,600 | 733 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 2,906 |
| Cost of funding earning assets | 0.3587% | 4,006 |
| Net interest margin | 3.6637% | 2,048 |
| Noninterest income to average assets | 0.9744% | 1,071 |
| Noninterest expense to average assets | 2.6761% | 2,325 |
| Loan and lease loss provision to assets | 1.5632% | 54 |
| Net operating income to assets | 0.2178% | 4,563 |
| Return on assets (ROA) | 0.2715% | 4,534 |
| Pretax return on assets | 0.3337% | 4,513 |
| Return on Equity (ROE) | 3.0674% | 4,375 |
| Retained earnings to average equity (ytd only) | -3.8813% | 4,812 |
| Net charge-offs to loans | 1.7924% | 59 |
| Credit loss provision to net charge-offs | 105.9662% | 2,577 |
| Earnings coverage of net charge-offs (x) | 1.2409% | 3,085 |
| Efficiency ratio | 59.0665% | 3,509 |
| Assets per employee ($millions) | 7.2680% | 1,341 |
| Cash dividends to net income (ytd only)* | 226.5359% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 4,330 |
| Loan loss allowance to noncurrent loans | 1,516.8085% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,224 |
| Noncurrent loans to loans | 0.0536% | 4,158 |
| Net loans and leases to total assets | 83.0243% | 364 |
| Net loans and leases to deposits | 93.3776% | 977 |
| Net loans and leases to core deposits | 96.6899% | 1,404 |
| Total domestic deposits to total assets | 88.9124% | 809 |
| Equity capital to assets | 8.0654% | 4,688 |
| Core capital (leverage) ratio | 7.9057% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0668% | 3,087 |
| Memoranda: | ||
| Average total assets | $951,353,250 | 912 |
| Average earning assets | $917,237,000 | 873 |
| Average equity | $84,196,250 | 1,098 |
| Average total loans | $783,000,250 | 794 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,045 |
| Cost of funding earning assets | 0.4207% | 3,947 |
| Net interest margin | 3.6835% | 2,228 |
| Noninterest income to average assets | 0.9793% | 1,020 |
| Noninterest expense to average assets | 2.6996% | 2,382 |
| Loan and lease loss provision to assets | 2.3053% | 44 |
| Net operating income to assets | -0.3666% | 4,896 |
| Return on assets (ROA) | -0.2853% | 4,873 |
| Pretax return on assets | -0.3715% | 4,876 |
| Return on Equity (ROE) | -3.1192% | 4,896 |
| Retained earnings to average equity (ytd only) | -13.5514% | 4,967 |
| Net charge-offs to loans | 2.7921% | 39 |
| Credit loss provision to net charge-offs | 100.9716% | 2,387 |
| Earnings coverage of net charge-offs (x) | 0.8020% | 2,904 |
| Efficiency ratio | 59.2598% | 3,524 |
| Assets per employee ($millions) | 7.3194% | 1,265 |
| Cash dividends to net income (ytd only)* | -334.4512% | 5,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,422 |
| Loan loss allowance to noncurrent loans | 1,404.8936% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 4,308 |
| Noncurrent loans to loans | 0.0546% | 4,263 |
| Net loans and leases to total assets | 82.2215% | 397 |
| Net loans and leases to deposits | 93.3725% | 1,017 |
| Net loans and leases to core deposits | 96.3979% | 1,548 |
| Total domestic deposits to total assets | 88.0575% | 1,142 |
| Equity capital to assets | 7.8075% | 4,803 |
| Core capital (leverage) ratio | 7.3763% | 4,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7228% | 3,184 |
| Memoranda: | ||
| Average total assets | $919,608,333 | 925 |
| Average earning assets | $886,593,333 | 885 |
| Average equity | $84,124,333 | 1,095 |
| Average total loans | $751,983,333 | 805 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 2,011 |
| Cost of funding earning assets | 0.5740% | 3,568 |
| Net interest margin | 4.0212% | 1,332 |
| Noninterest income to average assets | 1.1487% | 661 |
| Noninterest expense to average assets | 3.1056% | 1,625 |
| Loan and lease loss provision to assets | 0.5672% | 499 |
| Net operating income to assets | 1.0734% | 1,925 |
| Return on assets (ROA) | 1.0734% | 2,029 |
| Pretax return on assets | 1.3483% | 1,723 |
| Return on Equity (ROE) | 10.7788% | 1,479 |
| Retained earnings to average equity (ytd only) | -9.7229% | 4,754 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5363% | 3,549 |
| Assets per employee ($millions) | 5.8882% | 1,767 |
| Cash dividends to net income (ytd only)* | 190.2037% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.3215% | 778 |
| Net loans and leases to deposits | 93.9974% | 1,080 |
| Net loans and leases to core deposits | 97.7740% | 1,657 |
| Total domestic deposits to total assets | 84.3869% | 2,638 |
| Equity capital to assets | 9.6525% | 4,077 |
| Core capital (leverage) ratio | 9.2857% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9121% | 3,341 |
| Memoranda: | ||
| Average total assets | $859,732,500 | 951 |
| Average earning assets | $827,915,000 | 912 |
| Average equity | $85,612,500 | 1,075 |
| Average total loans | $697,385,000 | 842 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 2,337 |
| Cost of funding earning assets | 0.7982% | 2,691 |
| Net interest margin | 3.8984% | 2,177 |
| Noninterest income to average assets | 1.0374% | 896 |
| Noninterest expense to average assets | 3.0148% | 1,981 |
| Loan and lease loss provision to assets | 0.1515% | 1,401 |
| Net operating income to assets | 1.2811% | 1,762 |
| Return on assets (ROA) | 1.3046% | 1,752 |
| Pretax return on assets | 1.6491% | 1,340 |
| Return on Equity (ROE) | 12.8041% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.8854% | 1,011 |
| Net charge-offs to loans | 0.0231% | 2,948 |
| Credit loss provision to net charge-offs | 826.0274% | 402 |
| Earnings coverage of net charge-offs (x) | 96.5479% | 697 |
| Efficiency ratio | 62.6414% | 3,271 |
| Assets per employee ($millions) | 5.5749% | 2,002 |
| Cash dividends to net income (ytd only)* | 38.4149% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 3,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 81.3118% | 640 |
| Net loans and leases to deposits | 91.1496% | 1,468 |
| Net loans and leases to core deposits | 94.2240% | 2,039 |
| Total domestic deposits to total assets | 89.2070% | 591 |
| Equity capital to assets | 10.2808% | 3,643 |
| Core capital (leverage) ratio | 9.3520% | 4,220 |
| Tier 1 risk-based capital ratio | 10.5195% | 5,018 |
| Total risk-based capital ratio | 11.4187% | 5,041 |
| Memoranda: | ||
| Average total assets | $795,969,600 | 974 |
| Average earning assets | $765,338,200 | 946 |
| Average equity | $81,099,000 | 1,077 |
| Average total loans | $632,582,200 | 873 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 2,628 |
| Cost of funding earning assets | 0.8258% | 2,589 |
| Net interest margin | 3.8058% | 2,577 |
| Noninterest income to average assets | 1.0500% | 837 |
| Noninterest expense to average assets | 2.9406% | 2,124 |
| Loan and lease loss provision to assets | 0.1579% | 1,193 |
| Net operating income to assets | 1.2816% | 1,917 |
| Return on assets (ROA) | 1.3136% | 1,874 |
| Pretax return on assets | 1.6499% | 1,472 |
| Return on Equity (ROE) | 12.9239% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.2659% | 2,239 |
| Net charge-offs to loans | 0.0312% | 2,449 |
| Credit loss provision to net charge-offs | 642.0690% | 514 |
| Earnings coverage of net charge-offs (x) | 71.8615% | 931 |
| Efficiency ratio | 62.0906% | 3,312 |
| Assets per employee ($millions) | 5.6107% | 1,927 |
| Cash dividends to net income (ytd only)* | 51.5175% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.1352% | 692 |
| Net loans and leases to deposits | 91.5295% | 1,495 |
| Net loans and leases to core deposits | 94.5765% | 2,126 |
| Total domestic deposits to total assets | 88.6438% | 768 |
| Equity capital to assets | 10.2415% | 3,782 |
| Core capital (leverage) ratio | 9.7457% | 3,917 |
| Tier 1 risk-based capital ratio | 10.2994% | 5,133 |
| Total risk-based capital ratio | 11.1666% | 5,159 |
| Memoranda: | ||
| Average total assets | $785,902,000 | 989 |
| Average earning assets | $755,466,000 | 955 |
| Average equity | $79,880,750 | 1,088 |
| Average total loans | $619,112,000 | 891 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 2,757 |
| Cost of funding earning assets | 0.8280% | 2,510 |
| Net interest margin | 3.7454% | 2,774 |
| Noninterest income to average assets | 1.0228% | 838 |
| Noninterest expense to average assets | 2.9667% | 2,092 |
| Loan and lease loss provision to assets | 0.1494% | 1,227 |
| Net operating income to assets | 1.2041% | 2,134 |
| Return on assets (ROA) | 1.2528% | 2,003 |
| Pretax return on assets | 1.5667% | 1,647 |
| Return on Equity (ROE) | 12.3580% | 1,454 |
| Retained earnings to average equity (ytd only) | 2.2252% | 4,046 |
| Net charge-offs to loans | 0.0484% | 1,952 |
| Credit loss provision to net charge-offs | 397.2603% | 720 |
| Earnings coverage of net charge-offs (x) | 44.0274% | 1,190 |
| Efficiency ratio | 63.8086% | 3,161 |
| Assets per employee ($millions) | 5.7209% | 1,768 |
| Cash dividends to net income (ytd only)* | 81.9938% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 3,955 |
| Loan loss allowance to noncurrent loans | 19,583.3333% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,800 |
| Noncurrent loans to loans | 0.0048% | 4,711 |
| Net loans and leases to total assets | 80.2036% | 852 |
| Net loans and leases to deposits | 92.2782% | 1,460 |
| Net loans and leases to core deposits | 94.8331% | 2,172 |
| Total domestic deposits to total assets | 86.9149% | 1,636 |
| Equity capital to assets | 10.3171% | 3,678 |
| Core capital (leverage) ratio | 9.4899% | 4,151 |
| Tier 1 risk-based capital ratio | 10.3634% | 5,151 |
| Total risk-based capital ratio | 11.2193% | 5,176 |
| Memoranda: | ||
| Average total assets | $776,685,000 | 998 |
| Average earning assets | $746,360,670 | 967 |
| Average equity | $78,734,330 | 1,096 |
| Average total loans | $603,381,000 | 911 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 2,909 |
| Cost of funding earning assets | 0.8083% | 2,487 |
| Net interest margin | 3.6815% | 2,965 |
| Noninterest income to average assets | 1.0196% | 760 |
| Noninterest expense to average assets | 2.9752% | 2,062 |
| Loan and lease loss provision to assets | 0.2000% | 802 |
| Net operating income to assets | 1.1072% | 2,437 |
| Return on assets (ROA) | 1.1072% | 2,487 |
| Pretax return on assets | 1.3825% | 2,145 |
| Return on Equity (ROE) | 11.0202% | 1,939 |
| Retained earnings to average equity (ytd only) | -9.4451% | 5,086 |
| Net charge-offs to loans | 0.0983% | 1,154 |
| Credit loss provision to net charge-offs | 267.5862% | 886 |
| Earnings coverage of net charge-offs (x) | 21.1724% | 1,535 |
| Efficiency ratio | 64.8948% | 3,099 |
| Assets per employee ($millions) | 6.2247% | 1,390 |
| Cash dividends to net income (ytd only)* | 185.7076% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 4,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 75.9620% | 1,483 |
| Net loans and leases to deposits | 84.5028% | 2,324 |
| Net loans and leases to core deposits | 86.7262% | 2,801 |
| Total domestic deposits to total assets | 89.8929% | 491 |
| Equity capital to assets | 9.7798% | 4,025 |
| Core capital (leverage) ratio | 9.3308% | 4,337 |
| Tier 1 risk-based capital ratio | 10.3350% | 5,214 |
| Total risk-based capital ratio | 11.1908% | 5,252 |
| Memoranda: | ||
| Average total assets | $776,008,000 | 1,001 |
| Average earning assets | $745,787,000 | 966 |
| Average equity | $77,966,000 | 1,099 |
| Average total loans | $590,126,500 | 930 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,456 |
| Cost of funding earning assets | 0.4985% | 3,371 |
| Net interest margin | 3.6963% | 3,044 |
| Noninterest income to average assets | 1.0241% | 898 |
| Noninterest expense to average assets | 2.7681% | 2,792 |
| Loan and lease loss provision to assets | 0.0472% | 3,243 |
| Net operating income to assets | 1.3927% | 1,453 |
| Return on assets (ROA) | 1.3927% | 1,451 |
| Pretax return on assets | 1.7528% | 1,043 |
| Return on Equity (ROE) | 14.4403% | 951 |
| Retained earnings to average equity (ytd only) | 14.4403% | 141 |
| Net charge-offs to loans | 0.0016% | 3,703 |
| Credit loss provision to net charge-offs | 3,944.4444% | 132 |
| Earnings coverage of net charge-offs (x) | 1,505.6667% | 73 |
| Efficiency ratio | 60.0535% | 3,851 |
| Assets per employee ($millions) | 6.2932% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.6731% | 1,814 |
| Net loans and leases to deposits | 83.5887% | 2,553 |
| Net loans and leases to core deposits | 85.9581% | 2,920 |
| Total domestic deposits to total assets | 89.3340% | 721 |
| Equity capital to assets | 10.3246% | 3,351 |
| Core capital (leverage) ratio | 9.4315% | 4,195 |
| Tier 1 risk-based capital ratio | 11.0589% | 4,949 |
| Total risk-based capital ratio | 11.9135% | 5,022 |
| Memoranda: | ||
| Average total assets | $752,869,400 | 1,002 |
| Average earning assets | $721,821,200 | 964 |
| Average equity | $72,609,400 | 1,120 |
| Average total loans | $562,264,200 | 945 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,665 |
| Cost of funding earning assets | 0.4354% | 3,623 |
| Net interest margin | 3.6559% | 3,183 |
| Noninterest income to average assets | 1.0482% | 866 |
| Noninterest expense to average assets | 2.8516% | 2,453 |
| Loan and lease loss provision to assets | 0.0702% | 2,564 |
| Net operating income to assets | 1.2993% | 1,862 |
| Return on assets (ROA) | 1.2993% | 1,859 |
| Pretax return on assets | 1.6293% | 1,490 |
| Return on Equity (ROE) | 13.7179% | 1,195 |
| Retained earnings to average equity (ytd only) | 13.7179% | 277 |
| Net charge-offs to loans | 0.0021% | 3,414 |
| Credit loss provision to net charge-offs | 4,388.8889% | 92 |
| Earnings coverage of net charge-offs (x) | 1,063.1958% | 77 |
| Efficiency ratio | 62.1034% | 3,497 |
| Assets per employee ($millions) | 6.2078% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.0639% | 1,801 |
| Net loans and leases to deposits | 83.5193% | 2,653 |
| Net loans and leases to core deposits | 86.3641% | 2,968 |
| Total domestic deposits to total assets | 89.8762% | 550 |
| Equity capital to assets | 9.7723% | 3,845 |
| Core capital (leverage) ratio | 8.9396% | 4,759 |
| Tier 1 risk-based capital ratio | 10.6123% | 5,204 |
| Total risk-based capital ratio | 11.4449% | 5,261 |
| Memoranda: | ||
| Average total assets | $750,718,000 | 1,000 |
| Average earning assets | $719,296,000 | 966 |
| Average equity | $71,107,000 | 1,146 |
| Average total loans | $559,315,750 | 948 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,808 |
| Cost of funding earning assets | 0.4137% | 3,615 |
| Net interest margin | 3.5777% | 3,396 |
| Noninterest income to average assets | 1.0522% | 874 |
| Noninterest expense to average assets | 2.8487% | 2,507 |
| Loan and lease loss provision to assets | 0.0694% | 2,495 |
| Net operating income to assets | 1.2483% | 1,991 |
| Return on assets (ROA) | 1.2483% | 1,988 |
| Pretax return on assets | 1.5607% | 1,633 |
| Return on Equity (ROE) | 13.3234% | 1,257 |
| Retained earnings to average equity (ytd only) | 13.3234% | 337 |
| Net charge-offs to loans | 0.0033% | 3,061 |
| Credit loss provision to net charge-offs | 2,877.7778% | 151 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 122 |
| Efficiency ratio | 63.0593% | 3,458 |
| Assets per employee ($millions) | 6.5748% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 71.7195% | 2,320 |
| Net loans and leases to deposits | 79.3163% | 3,022 |
| Net loans and leases to core deposits | 84.2144% | 3,063 |
| Total domestic deposits to total assets | 90.4222% | 424 |
| Equity capital to assets | 9.2919% | 4,286 |
| Core capital (leverage) ratio | 8.8527% | 4,837 |
| Tier 1 risk-based capital ratio | 10.7045% | 5,192 |
| Total risk-based capital ratio | 11.5774% | 5,248 |
| Memoranda: | ||
| Average total assets | $746,438,330 | 1,005 |
| Average earning assets | $714,934,330 | 973 |
| Average equity | $69,937,000 | 1,161 |
| Average total loans | $552,875,330 | 955 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,873 |
| Cost of funding earning assets | 0.3807% | 3,729 |
| Net interest margin | 3.5392% | 3,395 |
| Noninterest income to average assets | 1.0239% | 872 |
| Noninterest expense to average assets | 2.8453% | 2,551 |
| Loan and lease loss provision to assets | 0.1137% | 1,660 |
| Net operating income to assets | 1.1572% | 2,184 |
| Return on assets (ROA) | 1.1572% | 2,198 |
| Pretax return on assets | 1.4491% | 1,842 |
| Return on Equity (ROE) | 12.2972% | 1,476 |
| Retained earnings to average equity (ytd only) | 12.2972% | 630 |
| Net charge-offs to loans | -0.0015% | 3,781 |
| Credit loss provision to net charge-offs | -10,400.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0501% | 3,476 |
| Assets per employee ($millions) | 6.3346% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 4,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 74.2016% | 1,825 |
| Net loans and leases to deposits | 82.1645% | 2,577 |
| Net loans and leases to core deposits | 87.9226% | 2,638 |
| Total domestic deposits to total assets | 90.3086% | 540 |
| Equity capital to assets | 9.3260% | 4,244 |
| Core capital (leverage) ratio | 8.8639% | 4,835 |
| Tier 1 risk-based capital ratio | 10.4538% | 5,362 |
| Total risk-based capital ratio | 11.3279% | 5,415 |
| Memoranda: | ||
| Average total assets | $731,745,500 | 1,029 |
| Average earning assets | $699,711,000 | 991 |
| Average equity | $68,861,000 | 1,183 |
| Average total loans | $548,432,000 | 968 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,593 |
| Cost of funding earning assets | 0.3410% | 3,792 |
| Net interest margin | 3.6033% | 3,151 |
| Noninterest income to average assets | 1.0158% | 985 |
| Noninterest expense to average assets | 2.9174% | 2,394 |
| Loan and lease loss provision to assets | 0.0592% | 3,052 |
| Net operating income to assets | 0.9057% | 2,682 |
| Return on assets (ROA) | 0.9057% | 2,704 |
| Pretax return on assets | 1.4228% | 1,918 |
| Return on Equity (ROE) | 9.8253% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.8253% | 380 |
| Net charge-offs to loans | 0.0469% | 2,846 |
| Credit loss provision to net charge-offs | 162.7451% | 1,649 |
| Earnings coverage of net charge-offs (x) | 40.7137% | 1,252 |
| Efficiency ratio | 66.3130% | 3,203 |
| Assets per employee ($millions) | 6.0169% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 4,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,768 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.2757% | 1,873 |
| Net loans and leases to deposits | 82.5268% | 2,664 |
| Net loans and leases to core deposits | 88.6468% | 2,674 |
| Total domestic deposits to total assets | 90.0019% | 566 |
| Equity capital to assets | 9.4988% | 4,236 |
| Core capital (leverage) ratio | 8.7024% | 4,951 |
| Tier 1 risk-based capital ratio | 10.7299% | 5,282 |
| Total risk-based capital ratio | 11.5973% | 5,348 |
| Memoranda: | ||
| Average total assets | $700,532,000 | 1,045 |
| Average earning assets | $657,813,000 | 1,025 |
| Average equity | $64,578,200 | 1,228 |
| Average total loans | $544,196,000 | 941 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 3,617 |
| Cost of funding earning assets | 0.3303% | 3,841 |
| Net interest margin | 3.5923% | 3,182 |
| Noninterest income to average assets | 1.0409% | 940 |
| Noninterest expense to average assets | 2.9192% | 2,340 |
| Loan and lease loss provision to assets | 0.0898% | 2,280 |
| Net operating income to assets | 0.9389% | 2,836 |
| Return on assets (ROA) | 0.9389% | 2,898 |
| Pretax return on assets | 1.3894% | 2,148 |
| Return on Equity (ROE) | 10.2655% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.2655% | 531 |
| Net charge-offs to loans | 0.0623% | 2,225 |
| Credit loss provision to net charge-offs | 183.9216% | 1,441 |
| Earnings coverage of net charge-offs (x) | 30.3100% | 1,540 |
| Efficiency ratio | 66.3693% | 3,153 |
| Assets per employee ($millions) | 6.0622% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.9247% | 1,430 |
| Net loans and leases to deposits | 85.3981% | 2,377 |
| Net loans and leases to core deposits | 92.0123% | 2,441 |
| Total domestic deposits to total assets | 90.0777% | 448 |
| Equity capital to assets | 9.4998% | 4,446 |
| Core capital (leverage) ratio | 8.6224% | 5,131 |
| Tier 1 risk-based capital ratio | 10.3697% | 5,493 |
| Total risk-based capital ratio | 11.2392% | 5,566 |
| Memoranda: | ||
| Average total assets | $696,663,250 | 1,055 |
| Average earning assets | $651,121,500 | 1,038 |
| Average equity | $63,719,750 | 1,247 |
| Average total loans | $546,016,500 | 945 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,770 |
| Cost of funding earning assets | 0.3068% | 4,018 |
| Net interest margin | 3.5294% | 3,298 |
| Noninterest income to average assets | 0.9982% | 1,019 |
| Noninterest expense to average assets | 2.9772% | 2,178 |
| Loan and lease loss provision to assets | 0.0922% | 2,147 |
| Net operating income to assets | 0.8424% | 3,194 |
| Return on assets (ROA) | 0.8424% | 3,239 |
| Pretax return on assets | 1.2386% | 2,627 |
| Return on Equity (ROE) | 9.3314% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.3314% | 750 |
| Net charge-offs to loans | 0.0729% | 1,895 |
| Credit loss provision to net charge-offs | 160.8040% | 1,457 |
| Earnings coverage of net charge-offs (x) | 23.2211% | 1,683 |
| Efficiency ratio | 69.1089% | 2,828 |
| Assets per employee ($millions) | 6.4040% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,708 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.7527% | 1,919 |
| Net loans and leases to deposits | 81.0116% | 2,805 |
| Net loans and leases to core deposits | 87.9968% | 2,699 |
| Total domestic deposits to total assets | 91.0397% | 214 |
| Equity capital to assets | 8.6424% | 5,192 |
| Core capital (leverage) ratio | 8.3873% | 5,291 |
| Tier 1 risk-based capital ratio | 9.8563% | 5,665 |
| Total risk-based capital ratio | 10.6953% | 5,700 |
| Memoranda: | ||
| Average total assets | $694,479,670 | 1,058 |
| Average earning assets | $651,266,330 | 1,042 |
| Average equity | $62,691,670 | 1,268 |
| Average total loans | $545,990,670 | 941 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,459 |
| Cost of funding earning assets | 0.2858% | 4,190 |
| Net interest margin | 3.5948% | 2,904 |
| Noninterest income to average assets | 0.9696% | 1,062 |
| Noninterest expense to average assets | 3.0287% | 2,083 |
| Loan and lease loss provision to assets | 0.1499% | 1,240 |
| Net operating income to assets | 0.7615% | 3,416 |
| Return on assets (ROA) | 0.7615% | 3,468 |
| Pretax return on assets | 1.1393% | 2,827 |
| Return on Equity (ROE) | 8.2387% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.2387% | 1,359 |
| Net charge-offs to loans | 0.0785% | 1,548 |
| Credit loss provision to net charge-offs | 235.8491% | 921 |
| Earnings coverage of net charge-offs (x) | 20.2830% | 1,487 |
| Efficiency ratio | 70.1430% | 2,863 |
| Assets per employee ($millions) | 6.2402% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,643 |
| Loan loss allowance to noncurrent loans | 947.5746% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,416 |
| Noncurrent loans to loans | 0.0980% | 4,797 |
| Net loans and leases to total assets | 77.4963% | 1,199 |
| Net loans and leases to deposits | 88.8398% | 1,688 |
| Net loans and leases to core deposits | 97.3785% | 1,715 |
| Total domestic deposits to total assets | 87.2316% | 2,096 |
| Equity capital to assets | 8.9172% | 4,894 |
| Core capital (leverage) ratio | 8.6874% | 5,063 |
| Tier 1 risk-based capital ratio | 9.4934% | 5,771 |
| Total risk-based capital ratio | 10.3369% | 5,801 |
| Memoranda: | ||
| Average total assets | $667,088,000 | 1,101 |
| Average earning assets | $621,343,500 | 1,087 |
| Average equity | $61,660,500 | 1,285 |
| Average total loans | $540,157,000 | 948 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 3,845 |
| Cost of funding earning assets | 0.2244% | 4,788 |
| Net interest margin | 3.5932% | 3,087 |
| Noninterest income to average assets | 1.0593% | 1,002 |
| Noninterest expense to average assets | 2.9611% | 2,462 |
| Loan and lease loss provision to assets | 0.3169% | 585 |
| Net operating income to assets | 0.8021% | 3,294 |
| Return on assets (ROA) | 0.8363% | 3,233 |
| Pretax return on assets | 1.2045% | 2,652 |
| Return on Equity (ROE) | 8.5972% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.5972% | 666 |
| Net charge-offs to loans | 0.2482% | 1,118 |
| Credit loss provision to net charge-offs | 163.8187% | 1,691 |
| Earnings coverage of net charge-offs (x) | 7.6085% | 2,994 |
| Efficiency ratio | 66.2850% | 3,547 |
| Assets per employee ($millions) | 5.9371% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,677 |
| Loan loss allowance to noncurrent loans | 316.3462% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 4,323 |
| Noncurrent loans to loans | 0.2923% | 4,103 |
| Net loans and leases to total assets | 83.2203% | 460 |
| Net loans and leases to deposits | 97.4329% | 870 |
| Net loans and leases to core deposits | 107.5778% | 1,043 |
| Total domestic deposits to total assets | 85.4129% | 2,872 |
| Equity capital to assets | 9.6019% | 4,165 |
| Core capital (leverage) ratio | 8.6239% | 5,146 |
| Tier 1 risk-based capital ratio | 9.5123% | 5,815 |
| Total risk-based capital ratio | 10.3497% | 5,852 |
| Memoranda: | ||
| Average total assets | $592,946,200 | 1,179 |
| Average earning assets | $556,716,000 | 1,157 |
| Average equity | $57,681,400 | 1,331 |
| Average total loans | $462,131,600 | 1,053 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,158 |
| Cost of funding earning assets | 0.2050% | 5,017 |
| Net interest margin | 3.5217% | 3,384 |
| Noninterest income to average assets | 1.0392% | 1,049 |
| Noninterest expense to average assets | 2.9420% | 2,491 |
| Loan and lease loss provision to assets | 0.1994% | 1,059 |
| Net operating income to assets | 0.8254% | 3,257 |
| Return on assets (ROA) | 0.8439% | 3,296 |
| Pretax return on assets | 1.2402% | 2,654 |
| Return on Equity (ROE) | 8.6444% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.6444% | 925 |
| Net charge-offs to loans | 0.1660% | 1,379 |
| Credit loss provision to net charge-offs | 157.5045% | 1,721 |
| Earnings coverage of net charge-offs (x) | 11.1556% | 2,521 |
| Efficiency ratio | 67.0330% | 3,417 |
| Assets per employee ($millions) | 6.1065% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 4,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.6739% | 1,252 |
| Net loans and leases to deposits | 92.8902% | 1,383 |
| Net loans and leases to core deposits | 98.3745% | 1,778 |
| Total domestic deposits to total assets | 83.6191% | 3,346 |
| Equity capital to assets | 9.7077% | 4,459 |
| Core capital (leverage) ratio | 9.0808% | 4,744 |
| Tier 1 risk-based capital ratio | 10.0569% | 5,773 |
| Total risk-based capital ratio | 10.8877% | 5,847 |
| Memoranda: | ||
| Average total assets | $582,364,750 | 1,203 |
| Average earning assets | $548,200,500 | 1,175 |
| Average equity | $56,852,250 | 1,360 |
| Average total loans | $444,262,000 | 1,101 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,261 |
| Cost of funding earning assets | 0.1963% | 5,184 |
| Net interest margin | 3.5152% | 3,431 |
| Noninterest income to average assets | 1.0347% | 1,045 |
| Noninterest expense to average assets | 2.9202% | 2,614 |
| Loan and lease loss provision to assets | 0.2109% | 1,014 |
| Net operating income to assets | 0.8333% | 3,161 |
| Return on assets (ROA) | 0.8617% | 3,163 |
| Pretax return on assets | 1.2692% | 2,526 |
| Return on Equity (ROE) | 8.8089% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.8089% | 902 |
| Net charge-offs to loans | 0.2705% | 880 |
| Credit loss provision to net charge-offs | 103.2702% | 2,049 |
| Earnings coverage of net charge-offs (x) | 7.0413% | 2,674 |
| Efficiency ratio | 67.0001% | 3,537 |
| Assets per employee ($millions) | 5.8495% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.1359% | 1,626 |
| Net loans and leases to deposits | 87.1751% | 2,115 |
| Net loans and leases to core deposits | 92.6310% | 2,295 |
| Total domestic deposits to total assets | 86.1896% | 2,334 |
| Equity capital to assets | 10.1160% | 4,076 |
| Core capital (leverage) ratio | 9.3780% | 4,360 |
| Tier 1 risk-based capital ratio | 10.8746% | 5,498 |
| Total risk-based capital ratio | 11.7336% | 5,593 |
| Memoranda: | ||
| Average total assets | $568,867,000 | 1,234 |
| Average earning assets | $537,892,670 | 1,202 |
| Average equity | $55,648,000 | 1,391 |
| Average total loans | $429,576,330 | 1,136 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,318 |
| Cost of funding earning assets | 0.1903% | 5,281 |
| Net interest margin | 3.5118% | 3,423 |
| Noninterest income to average assets | 1.0713% | 944 |
| Noninterest expense to average assets | 2.8950% | 2,722 |
| Loan and lease loss provision to assets | 0.3167% | 483 |
| Net operating income to assets | 0.7960% | 3,270 |
| Return on assets (ROA) | 0.7960% | 3,379 |
| Pretax return on assets | 1.1890% | 2,746 |
| Return on Equity (ROE) | 8.2843% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.2843% | 1,344 |
| Net charge-offs to loans | 0.5586% | 395 |
| Credit loss provision to net charge-offs | 75.2542% | 1,867 |
| Earnings coverage of net charge-offs (x) | 3.5780% | 2,523 |
| Efficiency ratio | 65.7861% | 3,841 |
| Assets per employee ($millions) | 5.9319% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 4,838 |
| Loan loss allowance to noncurrent loans | 27,046.6667% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,679 |
| Noncurrent loans to loans | 0.0035% | 5,522 |
| Net loans and leases to total assets | 74.9655% | 1,559 |
| Net loans and leases to deposits | 87.6869% | 1,865 |
| Net loans and leases to core deposits | 92.4617% | 2,143 |
| Total domestic deposits to total assets | 85.4922% | 2,920 |
| Equity capital to assets | 9.7069% | 4,441 |
| Core capital (leverage) ratio | 8.8907% | 4,972 |
| Tier 1 risk-based capital ratio | 10.4530% | 5,771 |
| Total risk-based capital ratio | 11.3156% | 5,836 |
| Memoranda: | ||
| Average total assets | $560,824,500 | 1,253 |
| Average earning assets | $531,693,500 | 1,217 |
| Average equity | $53,885,000 | 1,430 |
| Average total loans | $422,499,000 | 1,151 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,000 |
| Cost of funding earning assets | 0.1912% | 5,357 |
| Net interest margin | 3.6235% | 3,044 |
| Noninterest income to average assets | 1.0796% | 1,009 |
| Noninterest expense to average assets | 3.0008% | 2,540 |
| Loan and lease loss provision to assets | 0.1608% | 1,435 |
| Net operating income to assets | 0.9159% | 2,782 |
| Return on assets (ROA) | 0.9159% | 2,867 |
| Pretax return on assets | 1.3683% | 2,035 |
| Return on Equity (ROE) | 9.2464% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.2464% | 597 |
| Net charge-offs to loans | 0.0503% | 3,198 |
| Credit loss provision to net charge-offs | 419.8980% | 730 |
| Earnings coverage of net charge-offs (x) | 39.9388% | 1,183 |
| Efficiency ratio | 66.2455% | 3,864 |
| Assets per employee ($millions) | 6.1332% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.2288% | 1,693 |
| Net loans and leases to deposits | 85.9292% | 2,143 |
| Net loans and leases to core deposits | 90.5967% | 2,357 |
| Total domestic deposits to total assets | 86.3836% | 2,442 |
| Equity capital to assets | 9.5085% | 4,541 |
| Core capital (leverage) ratio | 8.8582% | 5,050 |
| Tier 1 risk-based capital ratio | 10.6759% | 5,691 |
| Total risk-based capital ratio | 11.6059% | 5,764 |
| Memoranda: | ||
| Average total assets | $511,964,800 | 1,309 |
| Average earning assets | $487,488,200 | 1,280 |
| Average equity | $50,711,400 | 1,464 |
| Average total loans | $389,828,200 | 1,183 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 4,052 |
| Cost of funding earning assets | 0.1941% | 5,431 |
| Net interest margin | 3.6168% | 3,092 |
| Noninterest income to average assets | 1.0868% | 1,019 |
| Noninterest expense to average assets | 2.9982% | 2,535 |
| Loan and lease loss provision to assets | 0.1569% | 1,376 |
| Net operating income to assets | 0.9301% | 2,802 |
| Return on assets (ROA) | 0.9301% | 2,893 |
| Pretax return on assets | 1.3769% | 2,114 |
| Return on Equity (ROE) | 9.2864% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.2864% | 797 |
| Net charge-offs to loans | 0.0303% | 3,327 |
| Credit loss provision to net charge-offs | 677.0115% | 503 |
| Earnings coverage of net charge-offs (x) | 66.1708% | 845 |
| Efficiency ratio | 66.1552% | 3,871 |
| Assets per employee ($millions) | 5.7686% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,737 |
| Loan loss allowance to noncurrent loans | 3,741.2844% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,712 |
| Noncurrent loans to loans | 0.0268% | 5,526 |
| Net loans and leases to total assets | 76.7765% | 1,278 |
| Net loans and leases to deposits | 87.4201% | 1,979 |
| Net loans and leases to core deposits | 92.3678% | 2,228 |
| Total domestic deposits to total assets | 87.8248% | 1,647 |
| Equity capital to assets | 9.9506% | 4,223 |
| Core capital (leverage) ratio | 8.9106% | 5,103 |
| Tier 1 risk-based capital ratio | 10.7559% | 5,776 |
| Total risk-based capital ratio | 11.6891% | 5,840 |
| Memoranda: | ||
| Average total assets | $500,425,250 | 1,347 |
| Average earning assets | $476,695,500 | 1,302 |
| Average equity | $50,122,000 | 1,491 |
| Average total loans | $382,662,500 | 1,210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 4,094 |
| Cost of funding earning assets | 0.1825% | 5,597 |
| Net interest margin | 3.6095% | 3,045 |
| Noninterest income to average assets | 1.0909% | 1,011 |
| Noninterest expense to average assets | 3.0631% | 2,358 |
| Loan and lease loss provision to assets | 0.1873% | 1,072 |
| Net operating income to assets | 0.8593% | 3,086 |
| Return on assets (ROA) | 0.8593% | 3,189 |
| Pretax return on assets | 1.2790% | 2,438 |
| Return on Equity (ROE) | 8.5597% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.5597% | 1,059 |
| Net charge-offs to loans | 0.1063% | 1,936 |
| Credit loss provision to net charge-offs | 231.6583% | 1,100 |
| Earnings coverage of net charge-offs (x) | 18.1357% | 1,820 |
| Efficiency ratio | 67.6265% | 3,728 |
| Assets per employee ($millions) | 5.4949% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 4,892 |
| Loan loss allowance to noncurrent loans | 21,322.2222% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,901 |
| Noncurrent loans to loans | 0.0047% | 5,756 |
| Net loans and leases to total assets | 76.4301% | 1,310 |
| Net loans and leases to deposits | 88.3101% | 1,792 |
| Net loans and leases to core deposits | 93.9677% | 1,959 |
| Total domestic deposits to total assets | 86.5474% | 2,402 |
| Equity capital to assets | 10.1035% | 3,919 |
| Core capital (leverage) ratio | 9.0259% | 4,926 |
| Tier 1 risk-based capital ratio | 11.1389% | 5,647 |
| Total risk-based capital ratio | 12.0767% | 5,727 |
| Memoranda: | ||
| Average total assets | $492,253,000 | 1,383 |
| Average earning assets | $468,935,330 | 1,334 |
| Average equity | $49,417,670 | 1,521 |
| Average total loans | $374,513,330 | 1,232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,236 |
| Cost of funding earning assets | 0.1824% | 5,667 |
| Net interest margin | 3.5560% | 3,198 |
| Noninterest income to average assets | 1.1975% | 792 |
| Noninterest expense to average assets | 3.0830% | 2,324 |
| Loan and lease loss provision to assets | 0.2302% | 755 |
| Net operating income to assets | 0.8461% | 3,029 |
| Return on assets (ROA) | 0.8461% | 3,150 |
| Pretax return on assets | 1.2704% | 2,386 |
| Return on Equity (ROE) | 8.4558% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.4558% | 1,392 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2623% | 3,943 |
| Assets per employee ($millions) | 6.0410% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 5,023 |
| Loan loss allowance to noncurrent loans | 1,836.6667% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,773 |
| Noncurrent loans to loans | 0.0545% | 5,559 |
| Net loans and leases to total assets | 76.1395% | 1,189 |
| Net loans and leases to deposits | 87.8614% | 1,625 |
| Net loans and leases to core deposits | 93.4407% | 1,818 |
| Total domestic deposits to total assets | 86.6586% | 2,569 |
| Equity capital to assets | 9.8815% | 4,287 |
| Core capital (leverage) ratio | 9.2819% | 4,609 |
| Tier 1 risk-based capital ratio | 12.1602% | 5,140 |
| Total risk-based capital ratio | 13.2151% | 5,155 |
| Memoranda: | ||
| Average total assets | $488,361,500 | 1,396 |
| Average earning assets | $465,014,000 | 1,350 |
| Average equity | $48,866,000 | 1,541 |
| Average total loans | $368,762,000 | 1,246 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 4,275 |
| Cost of funding earning assets | 0.1720% | 5,969 |
| Net interest margin | 3.6900% | 3,044 |
| Noninterest income to average assets | 1.1728% | 877 |
| Noninterest expense to average assets | 3.1868% | 2,246 |
| Loan and lease loss provision to assets | 0.1368% | 1,924 |
| Net operating income to assets | 0.8845% | 2,950 |
| Return on assets (ROA) | 0.8845% | 3,033 |
| Pretax return on assets | 1.3375% | 2,116 |
| Return on Equity (ROE) | 8.4306% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.4306% | 857 |
| Net charge-offs to loans | 0.0511% | 3,808 |
| Credit loss provision to net charge-offs | 354.4379% | 743 |
| Earnings coverage of net charge-offs (x) | 38.1893% | 1,124 |
| Efficiency ratio | 68.3705% | 3,830 |
| Assets per employee ($millions) | 5.8682% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 4,962 |
| Loan loss allowance to noncurrent loans | 14,304.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 5,461 |
| Noncurrent loans to loans | 0.0071% | 5,898 |
| Net loans and leases to total assets | 73.2823% | 1,710 |
| Net loans and leases to deposits | 84.9831% | 2,102 |
| Net loans and leases to core deposits | 90.6872% | 2,212 |
| Total domestic deposits to total assets | 86.2316% | 2,703 |
| Equity capital to assets | 10.1375% | 3,936 |
| Core capital (leverage) ratio | 8.9862% | 5,019 |
| Tier 1 risk-based capital ratio | 11.1271% | 5,855 |
| Total risk-based capital ratio | 12.0625% | 5,917 |
| Memoranda: | ||
| Average total assets | $437,770,800 | 1,521 |
| Average earning assets | $413,851,400 | 1,484 |
| Average equity | $45,928,200 | 1,563 |
| Average total loans | $330,959,000 | 1,321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 4,309 |
| Cost of funding earning assets | 0.1682% | 6,076 |
| Net interest margin | 3.6958% | 3,037 |
| Noninterest income to average assets | 1.1756% | 865 |
| Noninterest expense to average assets | 3.2288% | 2,092 |
| Loan and lease loss provision to assets | 0.0952% | 2,462 |
| Net operating income to assets | 0.8886% | 2,966 |
| Return on assets (ROA) | 0.8886% | 3,067 |
| Pretax return on assets | 1.3399% | 2,234 |
| Return on Equity (ROE) | 8.3912% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.3912% | 1,193 |
| Net charge-offs to loans | 0.0029% | 4,607 |
| Credit loss provision to net charge-offs | 4,371.4286% | 91 |
| Earnings coverage of net charge-offs (x) | 658.9335% | 120 |
| Efficiency ratio | 69.2292% | 3,638 |
| Assets per employee ($millions) | 5.5663% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 5,109 |
| Loan loss allowance to noncurrent loans | 11,112.9032% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 5,590 |
| Noncurrent loans to loans | 0.0092% | 6,002 |
| Net loans and leases to total assets | 73.0570% | 1,673 |
| Net loans and leases to deposits | 85.0058% | 2,026 |
| Net loans and leases to core deposits | 91.3128% | 2,083 |
| Total domestic deposits to total assets | 85.9435% | 2,872 |
| Equity capital to assets | 10.2779% | 3,817 |
| Core capital (leverage) ratio | 9.2990% | 4,638 |
| Tier 1 risk-based capital ratio | 11.6143% | 5,731 |
| Total risk-based capital ratio | 12.5794% | 5,801 |
| Memoranda: | ||
| Average total assets | $428,383,000 | 1,561 |
| Average earning assets | $404,337,250 | 1,523 |
| Average equity | $45,363,750 | 1,587 |
| Average total loans | $325,723,000 | 1,349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 4,209 |
| Cost of funding earning assets | 0.1645% | 6,162 |
| Net interest margin | 3.7185% | 2,888 |
| Noninterest income to average assets | 1.1188% | 948 |
| Noninterest expense to average assets | 3.2694% | 1,996 |
| Loan and lease loss provision to assets | 0.1136% | 2,135 |
| Net operating income to assets | 0.8248% | 3,209 |
| Return on assets (ROA) | 0.8248% | 3,305 |
| Pretax return on assets | 1.2419% | 2,492 |
| Return on Equity (ROE) | 7.7061% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.7061% | 1,431 |
| Net charge-offs to loans | 0.0050% | 4,212 |
| Credit loss provision to net charge-offs | 2,975.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 194 |
| Efficiency ratio | 70.6914% | 3,537 |
| Assets per employee ($millions) | 5.0036% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 5,280 |
| Loan loss allowance to noncurrent loans | 9,375.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 5,588 |
| Noncurrent loans to loans | 0.0108% | 6,053 |
| Net loans and leases to total assets | 76.4089% | 1,117 |
| Net loans and leases to deposits | 89.5519% | 1,413 |
| Net loans and leases to core deposits | 96.9811% | 1,523 |
| Total domestic deposits to total assets | 85.3236% | 3,349 |
| Equity capital to assets | 10.6641% | 3,232 |
| Core capital (leverage) ratio | 9.7595% | 3,945 |
| Tier 1 risk-based capital ratio | 11.4701% | 5,818 |
| Total risk-based capital ratio | 12.4315% | 5,911 |
| Memoranda: | ||
| Average total assets | $419,031,670 | 1,593 |
| Average earning assets | $395,110,000 | 1,551 |
| Average equity | $44,847,670 | 1,591 |
| Average total loans | $321,996,000 | 1,352 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 4,119 |
| Cost of funding earning assets | 0.1612% | 6,290 |
| Net interest margin | 3.7296% | 2,743 |
| Noninterest income to average assets | 1.1002% | 922 |
| Noninterest expense to average assets | 3.4118% | 1,667 |
| Loan and lease loss provision to assets | 0.0658% | 2,810 |
| Net operating income to assets | 0.7586% | 3,363 |
| Return on assets (ROA) | 0.7586% | 3,449 |
| Pretax return on assets | 1.1379% | 2,738 |
| Return on Equity (ROE) | 7.0747% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.0747% | 2,009 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9203% | 3,156 |
| Assets per employee ($millions) | 5.0493% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 5,498 |
| Loan loss allowance to noncurrent loans | 8,925.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 5,083 |
| Noncurrent loans to loans | 0.0113% | 6,140 |
| Net loans and leases to total assets | 76.3423% | 959 |
| Net loans and leases to deposits | 91.1595% | 1,022 |
| Net loans and leases to core deposits | 99.2988% | 1,149 |
| Total domestic deposits to total assets | 83.7459% | 4,368 |
| Equity capital to assets | 10.8416% | 2,892 |
| Core capital (leverage) ratio | 9.7616% | 3,915 |
| Tier 1 risk-based capital ratio | 11.5458% | 5,891 |
| Total risk-based capital ratio | 12.4908% | 5,996 |
| Memoranda: | ||
| Average total assets | $413,392,000 | 1,625 |
| Average earning assets | $389,636,000 | 1,585 |
| Average equity | $44,327,000 | 1,603 |
| Average total loans | $316,908,500 | 1,374 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 4,710 |
| Cost of funding earning assets | 0.1487% | 6,544 |
| Net interest margin | 3.6775% | 3,145 |
| Noninterest income to average assets | 0.8595% | 1,831 |
| Noninterest expense to average assets | 2.9940% | 3,075 |
| Loan and lease loss provision to assets | 0.2994% | 1,124 |
| Net operating income to assets | 0.7143% | 3,727 |
| Return on assets (ROA) | 0.7698% | 3,539 |
| Pretax return on assets | 1.1700% | 2,690 |
| Return on Equity (ROE) | 8.0910% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,026 |
| Net charge-offs to loans | 0.1936% | 2,920 |
| Credit loss provision to net charge-offs | 215.7993% | 1,071 |
| Earnings coverage of net charge-offs (x) | 9.9851% | 2,441 |
| Efficiency ratio | 68.3665% | 4,133 |
| Assets per employee ($millions) | 4.7993% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 5,567 |
| Loan loss allowance to noncurrent loans | 415.4557% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 5,067 |
| Noncurrent loans to loans | 0.2407% | 5,461 |
| Net loans and leases to total assets | 75.4393% | 1,161 |
| Net loans and leases to deposits | 91.0888% | 1,150 |
| Net loans and leases to core deposits | 95.7481% | 1,473 |
| Total domestic deposits to total assets | 82.8195% | 4,602 |
| Equity capital to assets | 10.6035% | 3,041 |
| Core capital (leverage) ratio | 9.7329% | 3,936 |
| Tier 1 risk-based capital ratio | 11.3699% | 5,984 |
| Total risk-based capital ratio | 12.3013% | 6,093 |
| Memoranda: | ||
| Average total assets | $387,772,600 | 1,699 |
| Average earning assets | $371,151,800 | 1,631 |
| Average equity | $36,892,800 | 1,873 |
| Average total loans | $277,881,200 | 1,518 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 4,866 |
| Cost of funding earning assets | 0.1485% | 6,641 |
| Net interest margin | 3.6492% | 3,236 |
| Noninterest income to average assets | 0.6584% | 2,837 |
| Noninterest expense to average assets | 2.7901% | 3,695 |
| Loan and lease loss provision to assets | 0.3463% | 935 |
| Net operating income to assets | 0.6688% | 4,020 |
| Return on assets (ROA) | 0.7419% | 3,764 |
| Pretax return on assets | 1.1371% | 2,960 |
| Return on Equity (ROE) | 8.0472% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.0472% | 1,394 |
| Net charge-offs to loans | 0.2441% | 2,351 |
| Credit loss provision to net charge-offs | 201.4228% | 1,198 |
| Earnings coverage of net charge-offs (x) | 7.9736% | 2,693 |
| Efficiency ratio | 67.0530% | 4,294 |
| Assets per employee ($millions) | 5.0089% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 5,703 |
| Loan loss allowance to noncurrent loans | 124.4747% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 4,720 |
| Noncurrent loans to loans | 0.8049% | 4,228 |
| Net loans and leases to total assets | 70.9426% | 1,796 |
| Net loans and leases to deposits | 83.8043% | 1,902 |
| Net loans and leases to core deposits | 88.3875% | 2,143 |
| Total domestic deposits to total assets | 84.6528% | 3,903 |
| Equity capital to assets | 10.1348% | 3,726 |
| Core capital (leverage) ratio | 9.7466% | 4,036 |
| Tier 1 risk-based capital ratio | 11.5516% | 6,034 |
| Total risk-based capital ratio | 12.4851% | 6,141 |
| Memoranda: | ||
| Average total assets | $381,530,500 | 1,729 |
| Average earning assets | $366,208,750 | 1,656 |
| Average equity | $35,174,750 | 1,976 |
| Average total loans | $268,723,000 | 1,561 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 4,815 |
| Cost of funding earning assets | 0.1490% | 6,714 |
| Net interest margin | 3.6545% | 3,157 |
| Noninterest income to average assets | 0.3848% | 4,630 |
| Noninterest expense to average assets | 2.5430% | 4,584 |
| Loan and lease loss provision to assets | 0.2291% | 1,635 |
| Net operating income to assets | 0.7674% | 3,482 |
| Return on assets (ROA) | 0.8842% | 3,034 |
| Pretax return on assets | 1.3304% | 2,187 |
| Return on Equity (ROE) | 9.9677% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.9677% | 849 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7815% | 4,740 |
| Assets per employee ($millions) | 5.9700% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 5,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 73.1217% | 1,383 |
| Net loans and leases to deposits | 85.1957% | 1,657 |
| Net loans and leases to core deposits | 89.6609% | 1,936 |
| Total domestic deposits to total assets | 85.8280% | 3,454 |
| Equity capital to assets | 8.7217% | 5,521 |
| Core capital (leverage) ratio | 9.2831% | 4,568 |
| Tier 1 risk-based capital ratio | 10.9937% | 6,336 |
| Total risk-based capital ratio | 11.9652% | 6,413 |
| Memoranda: | ||
| Average total assets | $368,458,330 | 1,777 |
| Average earning assets | $356,987,330 | 1,701 |
| Average equity | $32,685,670 | 2,119 |
| Average total loans | $257,794,000 | 1,611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,787 |
| Cost of funding earning assets | 0.1561% | 6,779 |
| Net interest margin | 3.6568% | 3,050 |
| Noninterest income to average assets | 0.3587% | 4,798 |
| Noninterest expense to average assets | 2.5889% | 4,438 |
| Loan and lease loss provision to assets | 0.2260% | 1,627 |
| Net operating income to assets | 0.7053% | 3,658 |
| Return on assets (ROA) | 0.8721% | 2,944 |
| Pretax return on assets | 1.3460% | 2,053 |
| Return on Equity (ROE) | 9.7465% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.7465% | 1,168 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3108% | 4,615 |
| Assets per employee ($millions) | 6.3154% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 5,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.2048% | 1,319 |
| Net loans and leases to deposits | 81.8487% | 1,850 |
| Net loans and leases to core deposits | 86.7714% | 2,036 |
| Total domestic deposits to total assets | 88.2174% | 2,183 |
| Equity capital to assets | 9.2551% | 5,187 |
| Core capital (leverage) ratio | 8.9002% | 5,058 |
| Tier 1 risk-based capital ratio | 10.9847% | 6,415 |
| Total risk-based capital ratio | 11.9081% | 6,501 |
| Memoranda: | ||
| Average total assets | $364,634,000 | 1,809 |
| Average earning assets | $353,532,500 | 1,721 |
| Average equity | $32,627,000 | 2,145 |
| Average total loans | $247,711,000 | 1,680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 5,630 |
| Cost of funding earning assets | 0.2240% | 6,768 |
| Net interest margin | 3.6576% | 3,840 |
| Noninterest income to average assets | 0.3960% | 4,646 |
| Noninterest expense to average assets | 2.5479% | 4,935 |
| Loan and lease loss provision to assets | 0.2371% | 2,763 |
| Net operating income to assets | 0.7527% | 3,502 |
| Return on assets (ROA) | 0.9735% | 2,677 |
| Pretax return on assets | 1.4756% | 1,758 |
| Return on Equity (ROE) | 10.2678% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.2678% | 548 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8984% | 4,723 |
| Assets per employee ($millions) | 6.5895% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.5152% | 3,163 |
| Net loans and leases to deposits | 68.6169% | 3,888 |
| Net loans and leases to core deposits | 72.5082% | 3,981 |
| Total domestic deposits to total assets | 91.1076% | 460 |
| Equity capital to assets | 8.6586% | 5,898 |
| Core capital (leverage) ratio | 8.6102% | 5,446 |
| Tier 1 risk-based capital ratio | 11.4295% | 6,150 |
| Total risk-based capital ratio | 12.3411% | 6,278 |
| Memoranda: | ||
| Average total assets | $326,031,400 | 1,971 |
| Average earning assets | $314,663,000 | 1,887 |
| Average equity | $30,912,200 | 2,204 |
| Average total loans | $199,753,000 | 2,009 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 5,642 |
| Cost of funding earning assets | 0.2369% | 6,860 |
| Net interest margin | 3.7198% | 3,705 |
| Noninterest income to average assets | 0.3703% | 4,870 |
| Noninterest expense to average assets | 2.5847% | 4,790 |
| Loan and lease loss provision to assets | 0.2304% | 2,748 |
| Net operating income to assets | 0.7588% | 3,657 |
| Return on assets (ROA) | 1.0649% | 2,449 |
| Pretax return on assets | 1.6099% | 1,546 |
| Return on Equity (ROE) | 10.9471% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.9471% | 693 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2501% | 4,583 |
| Assets per employee ($millions) | 6.9741% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.0635% | 3,772 |
| Net loans and leases to deposits | 66.0996% | 4,459 |
| Net loans and leases to core deposits | 70.0787% | 4,491 |
| Total domestic deposits to total assets | 90.8681% | 445 |
| Equity capital to assets | 9.0236% | 5,805 |
| Core capital (leverage) ratio | 9.2675% | 4,650 |
| Tier 1 risk-based capital ratio | 12.6675% | 5,509 |
| Total risk-based capital ratio | 13.6061% | 5,703 |
| Memoranda: | ||
| Average total assets | $313,638,500 | 2,071 |
| Average earning assets | $302,764,750 | 1,969 |
| Average equity | $30,509,750 | 2,243 |
| Average total loans | $190,358,500 | 2,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 5,295 |
| Cost of funding earning assets | 0.2601% | 6,878 |
| Net interest margin | 3.8479% | 3,144 |
| Noninterest income to average assets | 0.3558% | 4,986 |
| Noninterest expense to average assets | 2.7060% | 4,390 |
| Loan and lease loss provision to assets | 0.2056% | 3,013 |
| Net operating income to assets | 0.7536% | 3,583 |
| Return on assets (ROA) | 1.2342% | 1,787 |
| Pretax return on assets | 1.8657% | 909 |
| Return on Equity (ROE) | 12.3343% | 1,562 |
| Retained earnings to average equity (ytd only) | 12.3343% | 530 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8315% | 4,350 |
| Assets per employee ($millions) | 6.4083% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 62.0414% | 3,427 |
| Net loans and leases to deposits | 69.0895% | 4,028 |
| Net loans and leases to core deposits | 73.8385% | 4,057 |
| Total domestic deposits to total assets | 89.7986% | 1,046 |
| Equity capital to assets | 10.0447% | 4,270 |
| Core capital (leverage) ratio | 9.8140% | 3,698 |
| Tier 1 risk-based capital ratio | 13.5634% | 4,774 |
| Total risk-based capital ratio | 14.4863% | 4,986 |
| Memoranda: | ||
| Average total assets | $299,625,670 | 2,160 |
| Average earning assets | $287,586,670 | 2,077 |
| Average equity | $29,981,330 | 2,257 |
| Average total loans | $181,837,000 | 2,197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 5,357 |
| Cost of funding earning assets | 0.2771% | 6,915 |
| Net interest margin | 3.8528% | 3,126 |
| Noninterest income to average assets | 0.2801% | 5,623 |
| Noninterest expense to average assets | 2.7276% | 4,323 |
| Loan and lease loss provision to assets | 0.2151% | 2,796 |
| Net operating income to assets | 0.6805% | 3,975 |
| Return on assets (ROA) | 1.6547% | 879 |
| Pretax return on assets | 2.5003% | 330 |
| Return on Equity (ROE) | 16.5699% | 735 |
| Retained earnings to average equity (ytd only) | 16.5699% | 332 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7585% | 4,026 |
| Assets per employee ($millions) | 6.3491% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 6,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.3659% | 3,381 |
| Net loans and leases to deposits | 68.5372% | 3,964 |
| Net loans and leases to core deposits | 73.4705% | 3,965 |
| Total domestic deposits to total assets | 89.5367% | 1,347 |
| Equity capital to assets | 10.1254% | 3,951 |
| Core capital (leverage) ratio | 9.8944% | 3,505 |
| Tier 1 risk-based capital ratio | 14.0053% | 4,471 |
| Total risk-based capital ratio | 14.9091% | 4,694 |
| Memoranda: | ||
| Average total assets | $295,640,500 | 2,197 |
| Average earning assets | $282,909,000 | 2,113 |
| Average equity | $29,523,500 | 2,291 |
| Average total loans | $176,308,500 | 2,287 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 6,374 |
| Cost of funding earning assets | 0.3571% | 6,991 |
| Net interest margin | 3.6879% | 4,351 |
| Noninterest income to average assets | 0.2716% | 5,582 |
| Noninterest expense to average assets | 2.7756% | 4,444 |
| Loan and lease loss provision to assets | 0.2898% | 3,349 |
| Net operating income to assets | 0.4991% | 4,428 |
| Return on assets (ROA) | 0.4991% | 4,642 |
| Pretax return on assets | 0.7477% | 4,165 |
| Return on Equity (ROE) | 4.3662% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.3662% | 3,068 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7921% | 3,430 |
| Assets per employee ($millions) | 6.6494% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 6,122 |
| Loan loss allowance to noncurrent loans | 1,276.6423% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 6,843 |
| Noncurrent loans to loans | 0.0799% | 6,612 |
| Net loans and leases to total assets | 56.7256% | 4,590 |
| Net loans and leases to deposits | 63.1745% | 5,101 |
| Net loans and leases to core deposits | 67.4586% | 5,095 |
| Total domestic deposits to total assets | 89.7919% | 1,103 |
| Equity capital to assets | 9.8505% | 4,370 |
| Core capital (leverage) ratio | 9.9049% | 3,449 |
| Tier 1 risk-based capital ratio | 14.8593% | 3,721 |
| Total risk-based capital ratio | 15.7774% | 3,928 |
| Memoranda: | ||
| Average total assets | $242,617,800 | 2,605 |
| Average earning assets | $232,975,600 | 2,474 |
| Average equity | $27,736,000 | 2,344 |
| Average total loans | $138,393,400 | 2,823 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 6,463 |
| Cost of funding earning assets | 0.3752% | 7,071 |
| Net interest margin | 3.6997% | 4,331 |
| Noninterest income to average assets | 0.2720% | 5,673 |
| Noninterest expense to average assets | 2.8462% | 4,163 |
| Loan and lease loss provision to assets | 0.2725% | 3,326 |
| Net operating income to assets | 0.5130% | 4,488 |
| Return on assets (ROA) | 0.5130% | 4,679 |
| Pretax return on assets | 0.7207% | 4,400 |
| Return on Equity (ROE) | 4.2927% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.2927% | 3,675 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1298% | 3,154 |
| Assets per employee ($millions) | 6.6803% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 6,039 |
| Loan loss allowance to noncurrent loans | 1,104.3796% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 6,919 |
| Noncurrent loans to loans | 0.0952% | 6,693 |
| Net loans and leases to total assets | 51.9697% | 5,449 |
| Net loans and leases to deposits | 58.4044% | 5,806 |
| Net loans and leases to core deposits | 62.5544% | 5,766 |
| Total domestic deposits to total assets | 88.9826% | 1,438 |
| Equity capital to assets | 10.6417% | 3,527 |
| Core capital (leverage) ratio | 10.8518% | 2,520 |
| Tier 1 risk-based capital ratio | 17.0732% | 2,618 |
| Total risk-based capital ratio | 17.9978% | 2,717 |
| Memoranda: | ||
| Average total assets | $228,466,500 | 2,747 |
| Average earning assets | $220,302,000 | 2,625 |
| Average equity | $27,301,250 | 2,372 |
| Average total loans | $130,120,500 | 3,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 6,486 |
| Cost of funding earning assets | 0.3914% | 7,144 |
| Net interest margin | 3.7127% | 4,206 |
| Noninterest income to average assets | 0.2925% | 5,536 |
| Noninterest expense to average assets | 3.0264% | 3,533 |
| Loan and lease loss provision to assets | 0.3094% | 2,939 |
| Net operating income to assets | 0.3919% | 4,984 |
| Return on assets (ROA) | 0.3919% | 5,128 |
| Pretax return on assets | 0.5316% | 4,962 |
| Return on Equity (ROE) | 3.1327% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.1327% | 4,282 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2545% | 2,672 |
| Assets per employee ($millions) | 5.7686% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,405 |
| Loan loss allowance to noncurrent loans | 152.5499% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 6,200 |
| Noncurrent loans to loans | 0.6446% | 5,633 |
| Net loans and leases to total assets | 57.1858% | 4,791 |
| Net loans and leases to deposits | 64.8778% | 5,168 |
| Net loans and leases to core deposits | 70.8168% | 4,975 |
| Total domestic deposits to total assets | 88.1440% | 2,044 |
| Equity capital to assets | 11.3554% | 2,640 |
| Core capital (leverage) ratio | 12.3956% | 1,406 |
| Tier 1 risk-based capital ratio | 17.5902% | 2,307 |
| Total risk-based capital ratio | 18.4722% | 2,412 |
| Memoranda: | ||
| Average total assets | $213,324,000 | 2,930 |
| Average earning assets | $205,401,000 | 2,812 |
| Average equity | $26,686,000 | 2,409 |
| Average total loans | $125,542,330 | 3,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 6,447 |
| Cost of funding earning assets | 0.4142% | 7,197 |
| Net interest margin | 3.7132% | 4,030 |
| Noninterest income to average assets | 0.3017% | 5,509 |
| Noninterest expense to average assets | 3.2025% | 2,886 |
| Loan and lease loss provision to assets | 0.2816% | 2,892 |
| Net operating income to assets | 0.2997% | 5,401 |
| Return on assets (ROA) | 0.2997% | 5,469 |
| Pretax return on assets | 0.3882% | 5,375 |
| Return on Equity (ROE) | 2.2685% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.2685% | 4,791 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7013% | 2,121 |
| Assets per employee ($millions) | 5.2736% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 6,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 59.0883% | 4,448 |
| Net loans and leases to deposits | 67.7016% | 4,717 |
| Net loans and leases to core deposits | 71.9555% | 4,793 |
| Total domestic deposits to total assets | 87.2775% | 2,781 |
| Equity capital to assets | 12.5817% | 1,581 |
| Core capital (leverage) ratio | 13.4869% | 970 |
| Tier 1 risk-based capital ratio | 19.8159% | 1,624 |
| Total risk-based capital ratio | 20.6818% | 1,680 |
| Memoranda: | ||
| Average total assets | $198,845,000 | 3,129 |
| Average earning assets | $191,208,500 | 2,990 |
| Average equity | $26,273,000 | 2,431 |
| Average total loans | $118,350,000 | 3,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 6,615 |
| Cost of funding earning assets | 0.4865% | 7,313 |
| Net interest margin | 3.9163% | 3,413 |
| Noninterest income to average assets | 0.3206% | 5,495 |
| Noninterest expense to average assets | 3.4395% | 2,332 |
| Loan and lease loss provision to assets | 0.1870% | 5,363 |
| Net operating income to assets | 0.6910% | 3,264 |
| Return on assets (ROA) | 1.6392% | 628 |
| Pretax return on assets | 1.3862% | 1,697 |
| Return on Equity (ROE) | 10.5687% | 1,731 |
| Retained earnings to average equity (ytd only) | 10.5687% | 428 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6211% | 1,845 |
| Assets per employee ($millions) | 4.5548% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 6,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.8097% | 4,893 |
| Net loans and leases to deposits | 68.5230% | 5,036 |
| Net loans and leases to core deposits | 74.4805% | 4,913 |
| Total domestic deposits to total assets | 85.8247% | 3,444 |
| Equity capital to assets | 13.9257% | 1,058 |
| Core capital (leverage) ratio | 15.2798% | 618 |
| Tier 1 risk-based capital ratio | 23.3070% | 997 |
| Total risk-based capital ratio | 24.2114% | 1,023 |
| Memoranda: | ||
| Average total assets | $166,853,800 | 3,594 |
| Average earning assets | $159,510,800 | 3,462 |
| Average equity | $25,878,400 | 2,468 |
| Average total loans | $98,267,400 | 3,846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 6,641 |
| Cost of funding earning assets | 0.5138% | 7,429 |
| Net interest margin | 3.9722% | 3,228 |
| Noninterest income to average assets | 0.2940% | 5,777 |
| Noninterest expense to average assets | 3.5202% | 1,990 |
| Loan and lease loss provision to assets | 0.1787% | 5,255 |
| Net operating income to assets | 0.3772% | 4,856 |
| Return on assets (ROA) | 1.6802% | 701 |
| Pretax return on assets | 1.6802% | 1,153 |
| Return on Equity (ROE) | 10.5234% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.5234% | 681 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3609% | 1,594 |
| Assets per employee ($millions) | 4.2559% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.6016% | 4,982 |
| Net loans and leases to deposits | 70.7594% | 5,041 |
| Net loans and leases to core deposits | 79.8784% | 4,538 |
| Total domestic deposits to total assets | 84.2314% | 3,986 |
| Equity capital to assets | 15.5560% | 758 |
| Core capital (leverage) ratio | 15.8473% | 583 |
| Tier 1 risk-based capital ratio | 25.2304% | 846 |
| Total risk-based capital ratio | 26.1454% | 854 |
| Memoranda: | ||
| Average total assets | $161,880,250 | 3,720 |
| Average earning assets | $154,135,250 | 3,620 |
| Average equity | $25,846,500 | 2,509 |
| Average total loans | $95,116,250 | 3,992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 6,830 |
| Cost of funding earning assets | 0.5338% | 7,500 |
| Net interest margin | 3.9003% | 3,446 |
| Noninterest income to average assets | 0.2942% | 5,791 |
| Noninterest expense to average assets | 3.5539% | 1,902 |
| Loan and lease loss provision to assets | 0.2275% | 4,630 |
| Net operating income to assets | 0.2326% | 5,448 |
| Return on assets (ROA) | 0.4224% | 4,805 |
| Pretax return on assets | 0.4224% | 5,145 |
| Return on Equity (ROE) | 2.6214% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.6214% | 4,472 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5374% | 1,456 |
| Assets per employee ($millions) | 4.2488% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 6,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.1327% | 4,853 |
| Net loans and leases to deposits | 72.6780% | 4,887 |
| Net loans and leases to core deposits | 83.1534% | 4,255 |
| Total domestic deposits to total assets | 84.1145% | 4,061 |
| Equity capital to assets | 15.7249% | 719 |
| Core capital (leverage) ratio | 15.6729% | 611 |
| Tier 1 risk-based capital ratio | 22.3578% | 1,148 |
| Total risk-based capital ratio | 23.1932% | 1,188 |
| Memoranda: | ||
| Average total assets | $159,094,670 | 3,807 |
| Average earning assets | $151,733,000 | 3,678 |
| Average equity | $25,634,670 | 2,526 |
| Average total loans | $92,683,330 | 4,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 6,934 |
| Cost of funding earning assets | 0.5540% | 7,596 |
| Net interest margin | 3.8781% | 3,417 |
| Noninterest income to average assets | 0.2491% | 6,159 |
| Noninterest expense to average assets | 3.5664% | 1,809 |
| Loan and lease loss provision to assets | 0.2311% | 4,195 |
| Net operating income to assets | 0.1361% | 5,902 |
| Return on assets (ROA) | 0.5238% | 4,407 |
| Pretax return on assets | 0.5238% | 4,880 |
| Return on Equity (ROE) | 3.2096% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.2096% | 4,223 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6658% | 1,381 |
| Assets per employee ($millions) | 4.5456% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 57.7862% | 5,479 |
| Net loans and leases to deposits | 68.9592% | 5,475 |
| Net loans and leases to core deposits | 76.4621% | 5,198 |
| Total domestic deposits to total assets | 83.7977% | 4,246 |
| Equity capital to assets | 16.0646% | 661 |
| Core capital (leverage) ratio | 15.8736% | 603 |
| Tier 1 risk-based capital ratio | 23.0477% | 1,069 |
| Total risk-based capital ratio | 23.8286% | 1,114 |
| Memoranda: | ||
| Average total assets | $155,789,500 | 3,909 |
| Average earning assets | $148,009,500 | 3,800 |
| Average equity | $25,423,500 | 2,573 |
| Average total loans | $87,917,500 | 4,260 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 7,515 |
| Cost of funding earning assets | 0.6221% | 7,762 |
| Net interest margin | 3.7333% | 3,984 |
| Noninterest income to average assets | 0.3814% | 5,360 |
| Noninterest expense to average assets | 3.5092% | 2,351 |
| Loan and lease loss provision to assets | 0.1674% | 6,016 |
| Net operating income to assets | 0.2344% | 4,784 |
| Return on assets (ROA) | 0.3334% | 4,490 |
| Pretax return on assets | 0.3334% | 4,678 |
| Return on Equity (ROE) | 1.8739% | 4,952 |
| Retained earnings to average equity (ytd only) | 1.8739% | 3,781 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7264% | 1,724 |
| Assets per employee ($millions) | 4.4848% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 54.0004% | 6,202 |
| Net loans and leases to deposits | 64.8832% | 6,170 |
| Net loans and leases to core deposits | 76.7371% | 6,355 |
| Total domestic deposits to total assets | 83.2271% | 4,410 |
| Equity capital to assets | 16.5847% | 607 |
| Core capital (leverage) ratio | 15.6434% | 674 |
| Tier 1 risk-based capital ratio | 24.9482% | 846 |
| Total risk-based capital ratio | 25.7086% | 882 |
| Memoranda: | ||
| Average total assets | $137,383,000 | 4,181 |
| Average earning assets | $129,885,800 | 4,090 |
| Average equity | $24,440,600 | 2,666 |
| Average total loans | $74,561,800 | 4,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 7,686 |
| Cost of funding earning assets | 0.6228% | 7,872 |
| Net interest margin | 3.6458% | 4,296 |
| Noninterest income to average assets | 0.3273% | 5,865 |
| Noninterest expense to average assets | 3.5486% | 2,148 |
| Loan and lease loss provision to assets | 0.1996% | 5,394 |
| Net operating income to assets | 0.0200% | 5,665 |
| Return on assets (ROA) | 0.1557% | 5,360 |
| Pretax return on assets | 0.1557% | 5,396 |
| Return on Equity (ROE) | 0.8585% | 5,543 |
| Retained earnings to average equity (ytd only) | 0.8585% | 4,823 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1737% | 1,386 |
| Assets per employee ($millions) | 4.4269% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 6,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 52.5905% | 6,552 |
| Net loans and leases to deposits | 63.9221% | 6,492 |
| Net loans and leases to core deposits | 73.4927% | 6,754 |
| Total domestic deposits to total assets | 82.2727% | 4,555 |
| Equity capital to assets | 16.4071% | 721 |
| Core capital (leverage) ratio | 16.2165% | 644 |
| Tier 1 risk-based capital ratio | 24.3819% | 963 |
| Total risk-based capital ratio | 25.1047% | 991 |
| Memoranda: | ||
| Average total assets | $133,607,750 | 4,288 |
| Average earning assets | $126,098,000 | 4,206 |
| Average equity | $24,228,500 | 2,713 |
| Average total loans | $72,433,250 | 4,829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 7,771 |
| Cost of funding earning assets | 0.5984% | 7,988 |
| Net interest margin | 3.7172% | 3,883 |
| Noninterest income to average assets | 0.3673% | 5,574 |
| Noninterest expense to average assets | 3.6195% | 2,024 |
| Loan and lease loss provision to assets | 0.2344% | 4,713 |
| Net operating income to assets | -0.0109% | 5,865 |
| Return on assets (ROA) | 0.0578% | 5,773 |
| Pretax return on assets | 0.0578% | 5,768 |
| Return on Equity (ROE) | 0.3074% | 5,838 |
| Retained earnings to average equity (ytd only) | 0.3074% | 5,099 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1846% | 1,482 |
| Assets per employee ($millions) | 4.3032% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 6,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.5593% | 6,511 |
| Net loans and leases to deposits | 64.6449% | 6,503 |
| Net loans and leases to core deposits | 74.1176% | 6,785 |
| Total domestic deposits to total assets | 82.8515% | 4,308 |
| Equity capital to assets | 16.9259% | 674 |
| Core capital (leverage) ratio | 17.8206% | 529 |
| Tier 1 risk-based capital ratio | 26.0254% | 863 |
| Total risk-based capital ratio | 26.7467% | 880 |
| Memoranda: | ||
| Average total assets | $127,972,330 | 4,434 |
| Average earning assets | $119,660,330 | 4,381 |
| Average equity | $24,073,000 | 2,745 |
| Average total loans | $69,957,670 | 4,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 7,813 |
| Cost of funding earning assets | 0.5937% | 8,059 |
| Net interest margin | 3.7815% | 3,529 |
| Noninterest income to average assets | 0.2414% | 6,525 |
| Noninterest expense to average assets | 3.4591% | 2,204 |
| Loan and lease loss provision to assets | 0.2447% | 4,022 |
| Net operating income to assets | 0.0132% | 6,225 |
| Return on assets (ROA) | 0.0132% | 6,382 |
| Pretax return on assets | 0.0132% | 6,353 |
| Return on Equity (ROE) | 0.0664% | 6,396 |
| Retained earnings to average equity (ytd only) | 0.0664% | 5,629 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0605% | 1,493 |
| Assets per employee ($millions) | 4.1248% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 7,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.9324% | 6,105 |
| Net loans and leases to deposits | 70.9348% | 5,878 |
| Net loans and leases to core deposits | 79.9408% | 6,391 |
| Total domestic deposits to total assets | 80.2602% | 5,254 |
| Equity capital to assets | 19.5951% | 441 |
| Core capital (leverage) ratio | 20.0421% | 396 |
| Tier 1 risk-based capital ratio | 26.7091% | 835 |
| Total risk-based capital ratio | 27.3652% | 867 |
| Memoranda: | ||
| Average total assets | $120,955,000 | 4,621 |
| Average earning assets | $111,174,000 | 4,602 |
| Average equity | $24,091,500 | 2,757 |
| Average total loans | $66,580,500 | 5,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 8,038 |
| Cost of funding earning assets | 1.0764% | 8,020 |
| Net interest margin | 3.3960% | 5,676 |
| Noninterest income to average assets | 0.2511% | 6,655 |
| Noninterest expense to average assets | 4.2359% | 1,113 |
| Loan and lease loss provision to assets | 0.3967% | 3,310 |
| Net operating income to assets | -1.2470% | 7,367 |
| Return on assets (ROA) | -1.1735% | 7,269 |
| Pretax return on assets | -1.1735% | 7,101 |
| Return on Equity (ROE) | -4.1586% | 6,771 |
| Retained earnings to average equity (ytd only) | -4.1586% | 6,354 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1137% | 511 |
| Assets per employee ($millions) | 4.7266% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 7,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.1542% | 6,833 |
| Net loans and leases to deposits | 65.5401% | 6,675 |
| Net loans and leases to core deposits | 74.3895% | 6,948 |
| Total domestic deposits to total assets | 79.5760% | 5,172 |
| Equity capital to assets | 20.2556% | 448 |
| Core capital (leverage) ratio | 20.2660% | 424 |
| Tier 1 risk-based capital ratio | 29.4265% | 674 |
| Total risk-based capital ratio | 30.0577% | 697 |
| Memoranda: | ||
| Average total assets | $84,444,800 | 5,539 |
| Average earning assets | $77,945,000 | 5,505 |
| Average equity | $23,830,200 | 2,750 |
| Average total loans | $43,950,800 | 5,982 |