Home > Texas Security Bank > Performance and Condition Ratios
Texas Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 1,074 |
| Cost of funding earning assets | 2.4747% | 387 |
| Net interest margin | 3.0964% | 3,103 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.8799% | 3,872 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.9377% | 2,415 |
| Return on assets (ROA) | 0.8677% | 2,615 |
| Pretax return on assets | 1.0881% | 2,440 |
| Return on Equity (ROE) | 13.2200% | 1,673 |
| Retained earnings to average equity (ytd only) | 10.9244% | 807 |
| Net charge-offs to loans | 0.0728% | 1,130 |
| Credit loss provision to net charge-offs | 329.7468% | 896 |
| Earnings coverage of net charge-offs (x) | 25.5237% | 1,733 |
| Efficiency ratio | 58.2012% | 3,276 |
| Assets per employee ($millions) | 12.8302% | 339 |
| Cash dividends to net income (ytd only)* | 17.3628% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,105 |
| Loan loss allowance to noncurrent loans | 2,199.5960% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,330 |
| Noncurrent loans to loans | 0.0560% | 3,320 |
| Net loans and leases to total assets | 73.2000% | 1,450 |
| Net loans and leases to deposits | 94.1897% | 925 |
| Net loans and leases to core deposits | 106.4856% | 1,094 |
| Total domestic deposits to total assets | 77.7200% | 3,766 |
| Equity capital to assets | 7.3110% | 3,813 |
| Core capital (leverage) ratio | 8.8313% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5543% | 2,044 |
| Memoranda: | ||
| Average total assets | $1,194,785,400 | 858 |
| Average earning assets | $1,144,927,400 | 826 |
| Average equity | $78,421,000 | 1,151 |
| Average total loans | $867,771,000 | 814 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 1,016 |
| Cost of funding earning assets | 2.4072% | 334 |
| Net interest margin | 3.0916% | 3,154 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.9037% | 3,797 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9697% | 2,451 |
| Return on assets (ROA) | 0.8764% | 2,755 |
| Pretax return on assets | 1.0992% | 2,567 |
| Return on Equity (ROE) | 13.7400% | 1,722 |
| Retained earnings to average equity (ytd only) | 13.7428% | 709 |
| Net charge-offs to loans | 0.0232% | 1,629 |
| Credit loss provision to net charge-offs | 676.0000% | 519 |
| Earnings coverage of net charge-offs (x) | 79.4200% | 1,050 |
| Efficiency ratio | 58.8895% | 3,099 |
| Assets per employee ($millions) | 12.8109% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,426 |
| 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 | 71.1700% | 1,674 |
| Net loans and leases to deposits | 88.1354% | 1,372 |
| Net loans and leases to core deposits | 107.1427% | 971 |
| Total domestic deposits to total assets | 80.7500% | 3,421 |
| Equity capital to assets | 6.5539% | 3,812 |
| Core capital (leverage) ratio | 8.6053% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3786% | 2,124 |
| Memoranda: | ||
| Average total assets | $1,195,179,500 | 864 |
| Average earning assets | $1,145,490,500 | 825 |
| Average equity | $76,217,250 | 1,165 |
| Average total loans | $863,629,250 | 818 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 1,007 |
| Cost of funding earning assets | 2.2510% | 307 |
| Net interest margin | 3.1052% | 3,215 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.0108% | 3,569 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.8114% | 3,045 |
| Return on assets (ROA) | 0.8113% | 3,055 |
| Pretax return on assets | 1.0156% | 2,872 |
| Return on Equity (ROE) | 12.8400% | 1,937 |
| Retained earnings to average equity (ytd only) | 12.8421% | 833 |
| Net charge-offs to loans | -0.0051% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8888% | 2,726 |
| Assets per employee ($millions) | 12.6853% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 69.6100% | 1,786 |
| Net loans and leases to deposits | 86.5404% | 1,456 |
| Net loans and leases to core deposits | 109.2165% | 863 |
| Total domestic deposits to total assets | 80.4400% | 3,513 |
| Equity capital to assets | 6.3259% | 4,058 |
| Core capital (leverage) ratio | 8.2410% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6722% | 2,409 |
| Memoranda: | ||
| Average total assets | $1,192,165,667 | 855 |
| Average earning assets | $1,141,823,667 | 821 |
| Average equity | $75,315,000 | 1,168 |
| Average total loans | $862,385,667 | 804 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 935 |
| Cost of funding earning assets | 1.9200% | 349 |
| Net interest margin | 3.2990% | 2,876 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1670% | 3,200 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.7308% | 3,395 |
| Return on assets (ROA) | 0.7308% | 3,357 |
| Pretax return on assets | 0.9139% | 3,197 |
| Return on Equity (ROE) | 11.5800% | 2,329 |
| Retained earnings to average equity (ytd only) | 11.5767% | 1,344 |
| Net charge-offs to loans | -0.0108% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.1363% | 2,437 |
| Assets per employee ($millions) | 12.7358% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,661 |
| 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 | 72.9400% | 1,324 |
| Net loans and leases to deposits | 89.7323% | 1,075 |
| Net loans and leases to core deposits | 115.0732% | 558 |
| Total domestic deposits to total assets | 81.2900% | 3,592 |
| Equity capital to assets | 6.6299% | 3,986 |
| Core capital (leverage) ratio | 8.5687% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6432% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,160,325,000 | 887 |
| Average earning assets | $1,108,939,500 | 859 |
| Average equity | $73,250,500 | 1,209 |
| Average total loans | $851,067,000 | 827 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 1,665 |
| Cost of funding earning assets | 0.5437% | 1,141 |
| Net interest margin | 3.4756% | 2,009 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9955% | 3,587 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.1522% | 1,963 |
| Return on assets (ROA) | 1.1520% | 1,912 |
| Pretax return on assets | 1.4575% | 1,587 |
| Return on Equity (ROE) | 16.8800% | 879 |
| Retained earnings to average equity (ytd only) | 14.1052% | 370 |
| Net charge-offs to loans | 0.0300% | 1,471 |
| Credit loss provision to net charge-offs | 714.2857% | 538 |
| Earnings coverage of net charge-offs (x) | 78.0876% | 1,099 |
| Efficiency ratio | 55.4290% | 3,637 |
| Assets per employee ($millions) | 12.4859% | 350 |
| Cash dividends to net income (ytd only)* | 16.4406% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,230 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.9600% | 1,420 |
| Net loans and leases to deposits | 98.0144% | 520 |
| Net loans and leases to core deposits | 111.6372% | 554 |
| Total domestic deposits to total assets | 73.4200% | 4,375 |
| Equity capital to assets | 5.9826% | 4,095 |
| Core capital (leverage) ratio | 8.5749% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1563% | 2,684 |
| Memoranda: | ||
| Average total assets | $1,056,025,400 | 935 |
| Average earning assets | $1,021,446,200 | 891 |
| Average equity | $72,065,600 | 1,225 |
| Average total loans | $722,380,800 | 881 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 1,954 |
| Cost of funding earning assets | 0.3769% | 1,462 |
| Net interest margin | 3.3534% | 2,125 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.9800% | 3,533 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.0779% | 2,178 |
| Return on assets (ROA) | 1.0776% | 2,140 |
| Pretax return on assets | 1.3629% | 1,841 |
| Return on Equity (ROE) | 15.2700% | 1,121 |
| Retained earnings to average equity (ytd only) | 11.6258% | 881 |
| Net charge-offs to loans | 0.0046% | 2,021 |
| Credit loss provision to net charge-offs | 5,625.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 497.6250% | 316 |
| Efficiency ratio | 56.2976% | 3,598 |
| Assets per employee ($millions) | 12.6582% | 330 |
| Cash dividends to net income (ytd only)* | 23.8863% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,852 |
| Loan loss allowance to noncurrent loans | 9,193.6937% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,887 |
| Noncurrent loans to loans | 0.0146% | 3,825 |
| Net loans and leases to total assets | 67.5600% | 1,721 |
| Net loans and leases to deposits | 83.6452% | 1,328 |
| Net loans and leases to core deposits | 95.4069% | 1,030 |
| Total domestic deposits to total assets | 80.7700% | 4,019 |
| Equity capital to assets | 5.6175% | 4,093 |
| Core capital (leverage) ratio | 8.5888% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5864% | 2,629 |
| Memoranda: | ||
| Average total assets | $1,035,977,000 | 956 |
| Average earning assets | $1,006,149,250 | 911 |
| Average equity | $73,088,250 | 1,221 |
| Average total loans | $696,012,000 | 909 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 2,050 |
| Cost of funding earning assets | 0.2026% | 2,882 |
| Net interest margin | 3.3239% | 1,839 |
| Noninterest income to average assets | 0.2923% | 3,419 |
| Noninterest expense to average assets | 1.9778% | 3,492 |
| Loan and lease loss provision to assets | 0.1881% | 464 |
| Net operating income to assets | 1.0773% | 1,866 |
| Return on assets (ROA) | 1.0768% | 1,848 |
| Pretax return on assets | 1.3610% | 1,548 |
| Return on Equity (ROE) | 14.1998% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.9774% | 1,297 |
| Net charge-offs to loans | 0.0083% | 1,678 |
| Credit loss provision to net charge-offs | 3,392.8571% | 156 |
| Earnings coverage of net charge-offs (x) | 279.5000% | 425 |
| Efficiency ratio | 56.0683% | 3,764 |
| Assets per employee ($millions) | 12.0127% | 380 |
| Cash dividends to net income (ytd only)* | 36.7782% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.3080% | 1,655 |
| Net loans and leases to deposits | 80.8495% | 1,324 |
| Net loans and leases to core deposits | 99.6176% | 686 |
| Total domestic deposits to total assets | 82.0141% | 3,998 |
| Equity capital to assets | 6.5576% | 3,996 |
| Core capital (leverage) ratio | 8.5214% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1651% | 2,430 |
| Memoranda: | ||
| Average total assets | $1,009,995,333 | 969 |
| Average earning assets | $983,071,333 | 926 |
| Average equity | $76,592,667 | 1,208 |
| Average total loans | $673,744,000 | 922 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4313% | 1,998 |
| Cost of funding earning assets | 0.1606% | 3,358 |
| Net interest margin | 3.2707% | 1,649 |
| Noninterest income to average assets | 0.2958% | 3,348 |
| Noninterest expense to average assets | 1.9423% | 3,569 |
| Loan and lease loss provision to assets | 0.2620% | 244 |
| Net operating income to assets | 1.0104% | 1,836 |
| Return on assets (ROA) | 1.0104% | 1,830 |
| Pretax return on assets | 1.2765% | 1,577 |
| Return on Equity (ROE) | 12.4383% | 1,185 |
| Retained earnings to average equity (ytd only) | 2.5154% | 3,405 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8013% | 3,893 |
| Assets per employee ($millions) | 12.8510% | 317 |
| Cash dividends to net income (ytd only)* | 79.7766% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 1,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.6852% | 1,444 |
| Net loans and leases to deposits | 72.9878% | 1,696 |
| Net loans and leases to core deposits | 95.5658% | 672 |
| Total domestic deposits to total assets | 89.9948% | 1,565 |
| Equity capital to assets | 7.3869% | 3,998 |
| Core capital (leverage) ratio | 8.8053% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2019% | 2,526 |
| Memoranda: | ||
| Average total assets | $992,438,500 | 989 |
| Average earning assets | $966,408,500 | 946 |
| Average equity | $80,622,000 | 1,190 |
| Average total loans | $659,220,500 | 932 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 1,668 |
| Cost of funding earning assets | 0.2195% | 3,262 |
| Net interest margin | 3.6606% | 1,314 |
| Noninterest income to average assets | 0.3369% | 3,399 |
| Noninterest expense to average assets | 2.0759% | 3,453 |
| Loan and lease loss provision to assets | 0.1369% | 887 |
| Net operating income to assets | 1.3509% | 1,436 |
| Return on assets (ROA) | 1.4388% | 1,237 |
| Pretax return on assets | 1.8197% | 875 |
| Return on Equity (ROE) | 16.6867% | 647 |
| Retained earnings to average equity (ytd only) | 16.6867% | 140 |
| Net charge-offs to loans | -0.0107% | 3,764 |
| Credit loss provision to net charge-offs | -1,884.0580% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9385% | 4,042 |
| Assets per employee ($millions) | 12.2740% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,987 |
| 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 | 65.2999% | 1,554 |
| Net loans and leases to deposits | 78.2334% | 1,377 |
| Net loans and leases to core deposits | 88.8167% | 1,027 |
| Total domestic deposits to total assets | 83.4681% | 3,702 |
| Equity capital to assets | 8.8950% | 3,722 |
| Core capital (leverage) ratio | 8.7463% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0518% | 2,225 |
| Memoranda: | ||
| Average total assets | $949,418,800 | 994 |
| Average earning assets | $929,660,600 | 961 |
| Average equity | $81,861,800 | 1,183 |
| Average total loans | $644,181,200 | 940 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 1,720 |
| Cost of funding earning assets | 0.2247% | 3,377 |
| Net interest margin | 3.6902% | 1,356 |
| Noninterest income to average assets | 0.3558% | 3,324 |
| Noninterest expense to average assets | 1.9708% | 3,758 |
| Loan and lease loss provision to assets | 0.2047% | 502 |
| Net operating income to assets | 1.4265% | 1,455 |
| Return on assets (ROA) | 1.5443% | 1,203 |
| Pretax return on assets | 1.9510% | 861 |
| Return on Equity (ROE) | 18.0569% | 624 |
| Retained earnings to average equity (ytd only) | 18.0569% | 195 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5492% | 4,260 |
| Assets per employee ($millions) | 12.8085% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.0646% | 1,768 |
| Net loans and leases to deposits | 73.7097% | 1,891 |
| Net loans and leases to core deposits | 88.9844% | 1,096 |
| Total domestic deposits to total assets | 86.9147% | 2,386 |
| Equity capital to assets | 8.6118% | 4,124 |
| Core capital (leverage) ratio | 8.3904% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0547% | 1,951 |
| Memoranda: | ||
| Average total assets | $944,361,750 | 1,015 |
| Average earning assets | $926,837,250 | 977 |
| Average equity | $80,764,750 | 1,219 |
| Average total loans | $644,712,250 | 956 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 2,137 |
| Cost of funding earning assets | 0.2343% | 3,433 |
| Net interest margin | 3.5390% | 1,748 |
| Noninterest income to average assets | 0.3644% | 3,282 |
| Noninterest expense to average assets | 1.8998% | 3,966 |
| Loan and lease loss provision to assets | 0.0430% | 2,151 |
| Net operating income to assets | 1.4991% | 1,294 |
| Return on assets (ROA) | 1.6784% | 955 |
| Pretax return on assets | 2.1195% | 663 |
| Return on Equity (ROE) | 19.6737% | 482 |
| Retained earnings to average equity (ytd only) | 19.6737% | 168 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5348% | 4,270 |
| Assets per employee ($millions) | 13.0115% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,100 |
| Loan loss allowance to noncurrent loans | 2,667.4740% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,075 |
| Noncurrent loans to loans | 0.0438% | 3,966 |
| Net loans and leases to total assets | 64.2486% | 1,921 |
| Net loans and leases to deposits | 73.4166% | 2,060 |
| Net loans and leases to core deposits | 95.5836% | 827 |
| Total domestic deposits to total assets | 87.5124% | 2,088 |
| Equity capital to assets | 8.2507% | 4,394 |
| Core capital (leverage) ratio | 9.0509% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1729% | 1,914 |
| Memoranda: | ||
| Average total assets | $930,398,333 | 1,023 |
| Average earning assets | $912,526,333 | 984 |
| Average equity | $79,375,000 | 1,230 |
| Average total loans | $646,017,333 | 955 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 2,204 |
| Cost of funding earning assets | 0.2783% | 3,202 |
| Net interest margin | 3.4863% | 1,860 |
| Noninterest income to average assets | 0.3598% | 3,287 |
| Noninterest expense to average assets | 1.8767% | 4,038 |
| Loan and lease loss provision to assets | 0.0901% | 1,473 |
| Net operating income to assets | 1.4325% | 1,491 |
| Return on assets (ROA) | 1.8029% | 837 |
| Pretax return on assets | 2.2757% | 613 |
| Return on Equity (ROE) | 20.7424% | 486 |
| Retained earnings to average equity (ytd only) | 20.7424% | 245 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7315% | 4,209 |
| Assets per employee ($millions) | 12.2400% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 73.0544% | 894 |
| Net loans and leases to deposits | 84.8166% | 1,064 |
| Net loans and leases to core deposits | 111.6072% | 372 |
| Total domestic deposits to total assets | 86.1322% | 2,688 |
| Equity capital to assets | 8.5009% | 4,114 |
| Core capital (leverage) ratio | 9.1923% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2662% | 1,485 |
| Memoranda: | ||
| Average total assets | $888,148,000 | 1,049 |
| Average earning assets | $869,696,000 | 1,003 |
| Average equity | $77,194,500 | 1,248 |
| Average total loans | $639,142,500 | 964 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 2,671 |
| Cost of funding earning assets | 0.5657% | 2,531 |
| Net interest margin | 3.4524% | 2,622 |
| Noninterest income to average assets | 0.4612% | 2,813 |
| Noninterest expense to average assets | 2.1727% | 3,750 |
| Loan and lease loss provision to assets | 0.3042% | 1,237 |
| Net operating income to assets | 1.0600% | 2,066 |
| Return on assets (ROA) | 1.1558% | 1,826 |
| Pretax return on assets | 1.4611% | 1,465 |
| Return on Equity (ROE) | 13.1842% | 996 |
| Retained earnings to average equity (ytd only) | 13.1842% | 231 |
| Net charge-offs to loans | 0.0074% | 3,070 |
| Credit loss provision to net charge-offs | 5,882.9268% | 188 |
| Earnings coverage of net charge-offs (x) | 317.9512% | 332 |
| Efficiency ratio | 56.9257% | 3,867 |
| Assets per employee ($millions) | 12.2610% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.0804% | 1,676 |
| Net loans and leases to deposits | 107.9580% | 195 |
| Net loans and leases to core deposits | 121.0239% | 297 |
| Total domestic deposits to total assets | 63.9882% | 4,883 |
| Equity capital to assets | 8.8901% | 4,157 |
| Core capital (leverage) ratio | 10.0197% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0441% | 2,908 |
| Memoranda: | ||
| Average total assets | $792,941,600 | 1,067 |
| Average earning assets | $770,685,200 | 1,019 |
| Average equity | $69,515,200 | 1,300 |
| Average total loans | $555,289,800 | 1,047 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 3,828 |
| Cost of funding earning assets | 0.6463% | 2,341 |
| Net interest margin | 3.0396% | 3,886 |
| Noninterest income to average assets | 0.4592% | 2,799 |
| Noninterest expense to average assets | 2.1566% | 3,791 |
| Loan and lease loss provision to assets | 0.3640% | 1,023 |
| Net operating income to assets | 0.7177% | 3,400 |
| Return on assets (ROA) | 0.8520% | 3,028 |
| Pretax return on assets | 1.0533% | 2,893 |
| Return on Equity (ROE) | 9.7570% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.7570% | 817 |
| Net charge-offs to loans | 0.0101% | 2,741 |
| Credit loss provision to net charge-offs | 5,151.2195% | 223 |
| Earnings coverage of net charge-offs (x) | 177.0976% | 531 |
| Efficiency ratio | 63.2782% | 2,869 |
| Assets per employee ($millions) | 13.7456% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.8176% | 1,535 |
| Net loans and leases to deposits | 126.0787% | 74 |
| Net loans and leases to core deposits | 141.2993% | 159 |
| Total domestic deposits to total assets | 57.7556% | 4,943 |
| Equity capital to assets | 7.6847% | 4,812 |
| Core capital (leverage) ratio | 10.2483% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4082% | 1,690 |
| Memoranda: | ||
| Average total assets | $773,543,500 | 1,072 |
| Average earning assets | $750,465,250 | 1,030 |
| Average equity | $67,546,250 | 1,320 |
| Average total loans | $541,893,000 | 1,061 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,281 |
| Cost of funding earning assets | 0.7859% | 1,899 |
| Net interest margin | 2.8019% | 4,447 |
| Noninterest income to average assets | 0.7063% | 1,717 |
| Noninterest expense to average assets | 2.1066% | 4,016 |
| Loan and lease loss provision to assets | 0.5035% | 709 |
| Net operating income to assets | 0.6485% | 3,587 |
| Return on assets (ROA) | 0.8749% | 2,908 |
| Pretax return on assets | 1.0850% | 2,757 |
| Return on Equity (ROE) | 9.5253% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.5253% | 870 |
| Net charge-offs to loans | -0.0154% | 4,330 |
| Credit loss provision to net charge-offs | -4,768.4211% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6774% | 3,172 |
| Assets per employee ($millions) | 14.9188% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.5648% | 2,428 |
| Net loans and leases to deposits | 110.2314% | 227 |
| Net loans and leases to core deposits | 136.0943% | 198 |
| Total domestic deposits to total assets | 61.2936% | 4,953 |
| Equity capital to assets | 7.0827% | 4,962 |
| Core capital (leverage) ratio | 8.9841% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8174% | 1,545 |
| Memoranda: | ||
| Average total assets | $719,824,667 | 1,117 |
| Average earning assets | $696,033,333 | 1,084 |
| Average equity | $66,118,667 | 1,331 |
| Average total loans | $493,245,667 | 1,125 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,556 |
| Cost of funding earning assets | 0.9898% | 1,465 |
| Net interest margin | 3.4276% | 3,220 |
| Noninterest income to average assets | 0.3826% | 3,216 |
| Noninterest expense to average assets | 2.4133% | 3,513 |
| Loan and lease loss provision to assets | 0.2353% | 1,318 |
| Net operating income to assets | 0.8150% | 2,855 |
| Return on assets (ROA) | 0.8150% | 2,945 |
| Pretax return on assets | 1.0079% | 2,820 |
| Return on Equity (ROE) | 7.4773% | 2,745 |
| Retained earnings to average equity (ytd only) | 7.4773% | 1,386 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9985% | 2,960 |
| Assets per employee ($millions) | 10.1492% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 1,986 |
| 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 | 64.5049% | 3,004 |
| Net loans and leases to deposits | 84.4186% | 2,177 |
| Net loans and leases to core deposits | 120.9964% | 442 |
| Total domestic deposits to total assets | 76.4108% | 4,431 |
| Equity capital to assets | 10.2600% | 3,547 |
| Core capital (leverage) ratio | 10.6852% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5729% | 1,728 |
| Memoranda: | ||
| Average total assets | $594,875,000 | 1,270 |
| Average earning assets | $568,215,000 | 1,237 |
| Average equity | $64,836,500 | 1,353 |
| Average total loans | $408,778,500 | 1,274 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 1,964 |
| Cost of funding earning assets | 0.8935% | 2,218 |
| Net interest margin | 3.9336% | 2,055 |
| Noninterest income to average assets | 0.5831% | 2,302 |
| Noninterest expense to average assets | 2.3510% | 3,822 |
| Loan and lease loss provision to assets | 0.1806% | 1,147 |
| Net operating income to assets | 1.4916% | 1,077 |
| Return on assets (ROA) | 1.5092% | 1,092 |
| Pretax return on assets | 1.9080% | 734 |
| Return on Equity (ROE) | 11.9851% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.2829% | 1,264 |
| Net charge-offs to loans | -0.0754% | 4,904 |
| Credit loss provision to net charge-offs | -299.0033% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2216% | 4,498 |
| Assets per employee ($millions) | 9.8333% | 375 |
| Cash dividends to net income (ytd only)* | 39.2339% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,089 |
| 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 | 71.5493% | 2,161 |
| Net loans and leases to deposits | 81.4613% | 2,620 |
| Net loans and leases to core deposits | 110.1213% | 845 |
| Total domestic deposits to total assets | 87.8323% | 1,210 |
| Equity capital to assets | 11.6168% | 2,413 |
| Core capital (leverage) ratio | 13.2167% | 1,148 |
| Tier 1 risk-based capital ratio | 15.0937% | 2,745 |
| Total risk-based capital ratio | 16.3231% | 2,681 |
| Memoranda: | ||
| Average total assets | $498,221,200 | 1,430 |
| Average earning assets | $485,641,400 | 1,368 |
| Average equity | $62,736,000 | 1,338 |
| Average total loans | $399,204,800 | 1,269 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9679% | 1,629 |
| Cost of funding earning assets | 0.9578% | 1,954 |
| Net interest margin | 4.0102% | 1,904 |
| Noninterest income to average assets | 0.5478% | 2,470 |
| Noninterest expense to average assets | 2.3754% | 3,755 |
| Loan and lease loss provision to assets | 0.2486% | 659 |
| Net operating income to assets | 1.4507% | 1,328 |
| Return on assets (ROA) | 1.4751% | 1,315 |
| Pretax return on assets | 1.8605% | 961 |
| Return on Equity (ROE) | 11.4573% | 1,819 |
| Retained earnings to average equity (ytd only) | 5.1279% | 2,833 |
| Net charge-offs to loans | -0.0416% | 4,790 |
| Credit loss provision to net charge-offs | -725.8065% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3371% | 4,461 |
| Assets per employee ($millions) | 9.0483% | 475 |
| Cash dividends to net income (ytd only)* | 55.2435% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,355 |
| 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 | 81.7649% | 595 |
| Net loans and leases to deposits | 94.4459% | 1,183 |
| Net loans and leases to core deposits | 110.7321% | 916 |
| Total domestic deposits to total assets | 86.5732% | 1,738 |
| Equity capital to assets | 12.9039% | 1,684 |
| Core capital (leverage) ratio | 13.0156% | 1,336 |
| Tier 1 risk-based capital ratio | 15.4862% | 2,644 |
| Total risk-based capital ratio | 16.7364% | 2,580 |
| Memoranda: | ||
| Average total assets | $482,651,750 | 1,479 |
| Average earning assets | $470,095,000 | 1,420 |
| Average equity | $62,142,000 | 1,349 |
| Average total loans | $397,463,250 | 1,280 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 1,753 |
| Cost of funding earning assets | 0.9864% | 1,759 |
| Net interest margin | 3.9136% | 2,204 |
| Noninterest income to average assets | 0.4985% | 2,692 |
| Noninterest expense to average assets | 2.3630% | 3,839 |
| Loan and lease loss provision to assets | 0.2913% | 483 |
| Net operating income to assets | 1.3218% | 1,689 |
| Return on assets (ROA) | 1.3598% | 1,606 |
| Pretax return on assets | 1.7051% | 1,261 |
| Return on Equity (ROE) | 10.5693% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.4968% | 1,598 |
| Net charge-offs to loans | -0.0628% | 4,889 |
| Credit loss provision to net charge-offs | -564.5161% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8007% | 4,379 |
| Assets per employee ($millions) | 8.8825% | 490 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 83.4020% | 421 |
| Net loans and leases to deposits | 96.6378% | 970 |
| Net loans and leases to core deposits | 115.7513% | 694 |
| Total domestic deposits to total assets | 86.3037% | 1,889 |
| Equity capital to assets | 13.1336% | 1,524 |
| Core capital (leverage) ratio | 12.4615% | 1,554 |
| Tier 1 risk-based capital ratio | 15.6228% | 2,577 |
| Total risk-based capital ratio | 16.8549% | 2,514 |
| Memoranda: | ||
| Average total assets | $480,667,000 | 1,486 |
| Average earning assets | $468,372,670 | 1,420 |
| Average equity | $61,839,670 | 1,334 |
| Average total loans | $395,128,000 | 1,294 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7659% | 2,010 |
| Cost of funding earning assets | 0.9658% | 1,715 |
| Net interest margin | 3.8001% | 2,526 |
| Noninterest income to average assets | 0.5927% | 2,078 |
| Noninterest expense to average assets | 2.3567% | 3,880 |
| Loan and lease loss provision to assets | 0.3325% | 370 |
| Net operating income to assets | 1.2769% | 1,788 |
| Return on assets (ROA) | 1.2769% | 1,830 |
| Pretax return on assets | 1.6061% | 1,459 |
| Return on Equity (ROE) | 10.0291% | 2,360 |
| Retained earnings to average equity (ytd only) | 10.0291% | 1,028 |
| Net charge-offs to loans | -0.0482% | 4,818 |
| Credit loss provision to net charge-offs | -851.0638% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8674% | 4,449 |
| Assets per employee ($millions) | 9.0062% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 2,975 |
| Loan loss allowance to noncurrent loans | 5,039.0805% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,776 |
| Noncurrent loans to loans | 0.0224% | 4,680 |
| Net loans and leases to total assets | 78.9604% | 996 |
| Net loans and leases to deposits | 90.9847% | 1,512 |
| Net loans and leases to core deposits | 110.5589% | 894 |
| Total domestic deposits to total assets | 86.7842% | 1,918 |
| Equity capital to assets | 12.7624% | 1,591 |
| Core capital (leverage) ratio | 12.7895% | 1,363 |
| Tier 1 risk-based capital ratio | 16.0818% | 2,401 |
| Total risk-based capital ratio | 17.2671% | 2,379 |
| Memoranda: | ||
| Average total assets | $481,173,500 | 1,488 |
| Average earning assets | $468,835,000 | 1,426 |
| Average equity | $61,261,500 | 1,345 |
| Average total loans | $390,291,000 | 1,312 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 1,737 |
| Cost of funding earning assets | 0.7008% | 2,089 |
| Net interest margin | 4.0273% | 1,899 |
| Noninterest income to average assets | 0.4647% | 3,024 |
| Noninterest expense to average assets | 2.2574% | 4,211 |
| Loan and lease loss provision to assets | 0.9094% | 103 |
| Net operating income to assets | 0.9888% | 3,060 |
| Return on assets (ROA) | 0.9890% | 3,061 |
| Pretax return on assets | 1.2237% | 2,800 |
| Return on Equity (ROE) | 7.5523% | 3,639 |
| Retained earnings to average equity (ytd only) | 7.5523% | 1,437 |
| Net charge-offs to loans | 0.9909% | 147 |
| Credit loss provision to net charge-offs | 111.7926% | 2,312 |
| Earnings coverage of net charge-offs (x) | 2.6220% | 3,504 |
| Efficiency ratio | 51.4179% | 4,850 |
| Assets per employee ($millions) | 9.3336% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,659 |
| Loan loss allowance to noncurrent loans | 4,374.4444% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 4,788 |
| Noncurrent loans to loans | 0.0229% | 4,679 |
| Net loans and leases to total assets | 81.5629% | 718 |
| Net loans and leases to deposits | 93.8650% | 1,300 |
| Net loans and leases to core deposits | 115.3351% | 716 |
| Total domestic deposits to total assets | 86.8938% | 1,832 |
| Equity capital to assets | 12.7003% | 1,484 |
| Core capital (leverage) ratio | 11.5859% | 2,034 |
| Tier 1 risk-based capital ratio | 15.7080% | 2,527 |
| Total risk-based capital ratio | 16.7770% | 2,532 |
| Memoranda: | ||
| Average total assets | $440,955,400 | 1,560 |
| Average earning assets | $429,817,200 | 1,501 |
| Average equity | $57,743,800 | 1,366 |
| Average total loans | $361,985,600 | 1,362 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 1,892 |
| Cost of funding earning assets | 0.6040% | 2,443 |
| Net interest margin | 4.0292% | 1,857 |
| Noninterest income to average assets | 0.4865% | 2,943 |
| Noninterest expense to average assets | 2.3057% | 4,086 |
| Loan and lease loss provision to assets | 0.6664% | 151 |
| Net operating income to assets | 1.1511% | 2,430 |
| Return on assets (ROA) | 1.1513% | 2,439 |
| Pretax return on assets | 1.4413% | 2,083 |
| Return on Equity (ROE) | 8.7195% | 3,230 |
| Retained earnings to average equity (ytd only) | 8.7195% | 1,334 |
| Net charge-offs to loans | -0.0071% | 4,310 |
| Credit loss provision to net charge-offs | -11,368.4211% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2475% | 4,784 |
| Assets per employee ($millions) | 8.8718% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,387 |
| Loan loss allowance to noncurrent loans | 151.4902% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8306% | 1,785 |
| Noncurrent loans to loans | 0.9823% | 1,731 |
| Net loans and leases to total assets | 83.2947% | 537 |
| Net loans and leases to deposits | 96.3417% | 1,115 |
| Net loans and leases to core deposits | 119.8211% | 577 |
| Total domestic deposits to total assets | 86.4576% | 1,989 |
| Equity capital to assets | 13.1960% | 1,258 |
| Core capital (leverage) ratio | 13.7085% | 1,027 |
| Tier 1 risk-based capital ratio | 15.9154% | 2,477 |
| Total risk-based capital ratio | 17.1690% | 2,413 |
| Memoranda: | ||
| Average total assets | $432,191,250 | 1,596 |
| Average earning assets | $421,183,750 | 1,533 |
| Average equity | $57,066,000 | 1,380 |
| Average total loans | $354,435,500 | 1,387 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,923 |
| Cost of funding earning assets | 0.5613% | 2,507 |
| Net interest margin | 3.9925% | 1,886 |
| Noninterest income to average assets | 0.4452% | 3,186 |
| Noninterest expense to average assets | 2.4070% | 3,878 |
| Loan and lease loss provision to assets | 0.4043% | 299 |
| Net operating income to assets | 1.2209% | 2,096 |
| Return on assets (ROA) | 1.2209% | 2,094 |
| Pretax return on assets | 1.5260% | 1,724 |
| Return on Equity (ROE) | 9.2444% | 2,918 |
| Retained earnings to average equity (ytd only) | 9.2444% | 1,143 |
| Net charge-offs to loans | -0.0029% | 4,003 |
| Credit loss provision to net charge-offs | -17,200.0000% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4953% | 4,539 |
| Assets per employee ($millions) | 8.9347% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,655 |
| Loan loss allowance to noncurrent loans | 93.6284% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0905% | 1,357 |
| Noncurrent loans to loans | 1.2929% | 1,322 |
| Net loans and leases to total assets | 83.3249% | 539 |
| Net loans and leases to deposits | 101.0605% | 728 |
| Net loans and leases to core deposits | 121.9007% | 522 |
| Total domestic deposits to total assets | 82.4505% | 3,578 |
| Equity capital to assets | 13.6602% | 1,045 |
| Core capital (leverage) ratio | 13.4796% | 1,071 |
| Tier 1 risk-based capital ratio | 16.3589% | 2,307 |
| Total risk-based capital ratio | 17.6089% | 2,255 |
| Memoranda: | ||
| Average total assets | $425,434,330 | 1,622 |
| Average earning assets | $414,730,330 | 1,563 |
| Average equity | $56,185,670 | 1,394 |
| Average total loans | $345,057,330 | 1,428 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,092 |
| Cost of funding earning assets | 0.5015% | 2,784 |
| Net interest margin | 3.9287% | 1,934 |
| Noninterest income to average assets | 0.4409% | 3,177 |
| Noninterest expense to average assets | 2.4469% | 3,824 |
| Loan and lease loss provision to assets | 0.1274% | 1,478 |
| Net operating income to assets | 1.3688% | 1,426 |
| Return on assets (ROA) | 1.3688% | 1,442 |
| Pretax return on assets | 1.6974% | 1,124 |
| Return on Equity (ROE) | 10.5480% | 2,152 |
| Retained earnings to average equity (ytd only) | 10.5480% | 1,005 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2818% | 4,433 |
| Assets per employee ($millions) | 9.2643% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,490 |
| Loan loss allowance to noncurrent loans | 370.8333% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,970 |
| Noncurrent loans to loans | 0.2922% | 3,723 |
| Net loans and leases to total assets | 76.5054% | 1,460 |
| Net loans and leases to deposits | 88.4248% | 1,878 |
| Net loans and leases to core deposits | 107.0457% | 1,176 |
| Total domestic deposits to total assets | 86.5202% | 2,308 |
| Equity capital to assets | 13.1971% | 1,160 |
| Core capital (leverage) ratio | 14.0506% | 865 |
| Tier 1 risk-based capital ratio | 16.7352% | 2,199 |
| Total risk-based capital ratio | 17.8375% | 2,193 |
| Memoranda: | ||
| Average total assets | $423,718,000 | 1,639 |
| Average earning assets | $413,168,500 | 1,572 |
| Average equity | $54,986,500 | 1,428 |
| Average total loans | $336,720,000 | 1,461 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,801 |
| Cost of funding earning assets | 0.4424% | 2,852 |
| Net interest margin | 4.0323% | 1,649 |
| Noninterest income to average assets | 0.5217% | 2,871 |
| Noninterest expense to average assets | 2.3817% | 4,126 |
| Loan and lease loss provision to assets | 0.2313% | 838 |
| Net operating income to assets | 1.1075% | 1,835 |
| Return on assets (ROA) | 1.1075% | 1,855 |
| Pretax return on assets | 1.8225% | 748 |
| Return on Equity (ROE) | 8.9628% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.0022% | 763 |
| Net charge-offs to loans | 0.1240% | 1,810 |
| Credit loss provision to net charge-offs | 223.7245% | 1,231 |
| Earnings coverage of net charge-offs (x) | 19.8648% | 2,000 |
| Efficiency ratio | 53.6957% | 4,971 |
| Assets per employee ($millions) | 8.5836% | 517 |
| Cash dividends to net income (ytd only)* | 10.7168% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,662 |
| Loan loss allowance to noncurrent loans | 357.1138% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,944 |
| Noncurrent loans to loans | 0.2923% | 3,732 |
| Net loans and leases to total assets | 80.8603% | 852 |
| Net loans and leases to deposits | 93.2439% | 1,362 |
| Net loans and leases to core deposits | 119.8589% | 585 |
| Total domestic deposits to total assets | 86.7191% | 2,134 |
| Equity capital to assets | 12.7447% | 1,389 |
| Core capital (leverage) ratio | 12.7264% | 1,255 |
| Tier 1 risk-based capital ratio | 15.2828% | 2,709 |
| Total risk-based capital ratio | 16.3478% | 2,743 |
| Memoranda: | ||
| Average total assets | $379,139,800 | 1,791 |
| Average earning assets | $368,005,600 | 1,718 |
| Average equity | $46,849,400 | 1,608 |
| Average total loans | $316,025,800 | 1,501 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,830 |
| Cost of funding earning assets | 0.4051% | 3,135 |
| Net interest margin | 4.0333% | 1,591 |
| Noninterest income to average assets | 0.5410% | 2,773 |
| Noninterest expense to average assets | 2.3030% | 4,292 |
| Loan and lease loss provision to assets | 0.2398% | 738 |
| Net operating income to assets | 1.3066% | 1,307 |
| Return on assets (ROA) | 1.3066% | 1,348 |
| Pretax return on assets | 1.9102% | 668 |
| Return on Equity (ROE) | 10.6672% | 1,835 |
| Retained earnings to average equity (ytd only) | 9.3466% | 744 |
| Net charge-offs to loans | -0.0009% | 4,261 |
| Credit loss provision to net charge-offs | -33,350.0000% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7194% | 5,125 |
| Assets per employee ($millions) | 9.3478% | 384 |
| Cash dividends to net income (ytd only)* | 12.3797% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,493 |
| Loan loss allowance to noncurrent loans | 268.9455% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 3,748 |
| Noncurrent loans to loans | 0.4083% | 3,475 |
| Net loans and leases to total assets | 79.1844% | 1,099 |
| Net loans and leases to deposits | 90.8349% | 1,709 |
| Net loans and leases to core deposits | 119.3089% | 613 |
| Total domestic deposits to total assets | 87.1739% | 1,785 |
| Equity capital to assets | 12.3939% | 1,721 |
| Core capital (leverage) ratio | 12.6375% | 1,364 |
| Tier 1 risk-based capital ratio | 15.1340% | 2,866 |
| Total risk-based capital ratio | 16.2525% | 2,845 |
| Memoranda: | ||
| Average total assets | $370,921,500 | 1,840 |
| Average earning assets | $359,761,000 | 1,763 |
| Average equity | $45,434,250 | 1,666 |
| Average total loans | $310,865,000 | 1,530 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 1,720 |
| Cost of funding earning assets | 0.3319% | 3,770 |
| Net interest margin | 4.1005% | 1,324 |
| Noninterest income to average assets | 0.5639% | 2,637 |
| Noninterest expense to average assets | 2.3960% | 4,056 |
| Loan and lease loss provision to assets | 0.2043% | 890 |
| Net operating income to assets | 1.3207% | 1,248 |
| Return on assets (ROA) | 1.3207% | 1,273 |
| Pretax return on assets | 1.9309% | 610 |
| Return on Equity (ROE) | 10.8332% | 1,704 |
| Retained earnings to average equity (ytd only) | 8.7499% | 918 |
| Net charge-offs to loans | -0.0013% | 4,152 |
| Credit loss provision to net charge-offs | -18,100.0000% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8774% | 5,103 |
| Assets per employee ($millions) | 8.9226% | 431 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 4,027 |
| Loan loss allowance to noncurrent loans | 246.0479% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 3,714 |
| Noncurrent loans to loans | 0.4148% | 3,535 |
| Net loans and leases to total assets | 83.8144% | 467 |
| Net loans and leases to deposits | 96.7069% | 1,007 |
| Net loans and leases to core deposits | 130.7408% | 294 |
| Total domestic deposits to total assets | 86.6684% | 2,105 |
| Equity capital to assets | 12.9395% | 1,398 |
| Core capital (leverage) ratio | 13.3206% | 1,048 |
| Tier 1 risk-based capital ratio | 15.0195% | 2,917 |
| Total risk-based capital ratio | 16.0659% | 2,933 |
| Memoranda: | ||
| Average total assets | $354,345,330 | 1,906 |
| Average earning assets | $342,838,000 | 1,847 |
| Average equity | $43,200,670 | 1,729 |
| Average total loans | $302,224,330 | 1,565 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 1,996 |
| Cost of funding earning assets | 0.2837% | 4,215 |
| Net interest margin | 4.0026% | 1,466 |
| Noninterest income to average assets | 0.3806% | 3,801 |
| Noninterest expense to average assets | 2.3328% | 4,314 |
| Loan and lease loss provision to assets | 0.1432% | 1,306 |
| Net operating income to assets | 1.2040% | 1,496 |
| Return on assets (ROA) | 1.2040% | 1,531 |
| Pretax return on assets | 1.7600% | 884 |
| Return on Equity (ROE) | 10.2434% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.2434% | 755 |
| Net charge-offs to loans | -0.0014% | 3,981 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0704% | 5,034 |
| Assets per employee ($millions) | 8.5618% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,787 |
| Loan loss allowance to noncurrent loans | 226.6187% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 3,567 |
| Noncurrent loans to loans | 0.4793% | 3,369 |
| Net loans and leases to total assets | 83.7540% | 394 |
| Net loans and leases to deposits | 98.2931% | 746 |
| Net loans and leases to core deposits | 120.1712% | 459 |
| Total domestic deposits to total assets | 85.2084% | 3,000 |
| Equity capital to assets | 13.0750% | 1,226 |
| Core capital (leverage) ratio | 13.1411% | 1,088 |
| Tier 1 risk-based capital ratio | 15.2068% | 2,868 |
| Total risk-based capital ratio | 16.3202% | 2,864 |
| Memoranda: | ||
| Average total assets | $335,220,500 | 2,017 |
| Average earning assets | $322,888,500 | 1,952 |
| Average equity | $39,401,000 | 1,895 |
| Average total loans | $287,114,500 | 1,636 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,196 |
| Cost of funding earning assets | 0.3537% | 3,480 |
| Net interest margin | 3.9302% | 1,858 |
| Noninterest income to average assets | 0.6148% | 2,585 |
| Noninterest expense to average assets | 2.6113% | 3,643 |
| Loan and lease loss provision to assets | 0.1390% | 1,795 |
| Net operating income to assets | 1.1237% | 1,807 |
| Return on assets (ROA) | 1.1585% | 1,753 |
| Pretax return on assets | 1.7217% | 946 |
| Return on Equity (ROE) | 11.2905% | 1,471 |
| Retained earnings to average equity (ytd only) | 9.4517% | 505 |
| Net charge-offs to loans | 0.0034% | 4,141 |
| Credit loss provision to net charge-offs | 4,911.1111% | 93 |
| Earnings coverage of net charge-offs (x) | 639.1111% | 126 |
| Efficiency ratio | 59.0780% | 4,717 |
| Assets per employee ($millions) | 7.9993% | 612 |
| Cash dividends to net income (ytd only)* | 16.2866% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,918 |
| Loan loss allowance to noncurrent loans | 215.8945% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 3,562 |
| Noncurrent loans to loans | 0.4936% | 3,388 |
| Net loans and leases to total assets | 85.7447% | 249 |
| Net loans and leases to deposits | 96.2018% | 977 |
| Net loans and leases to core deposits | 117.7857% | 555 |
| Total domestic deposits to total assets | 89.1301% | 1,046 |
| Equity capital to assets | 10.3741% | 3,300 |
| Core capital (leverage) ratio | 9.9433% | 3,562 |
| Tier 1 risk-based capital ratio | 11.7703% | 4,881 |
| Total risk-based capital ratio | 12.8638% | 4,891 |
| Memoranda: | ||
| Average total assets | $318,001,200 | 2,068 |
| Average earning assets | $307,900,600 | 1,990 |
| Average equity | $32,629,200 | 2,197 |
| Average total loans | $261,904,200 | 1,723 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,421 |
| Cost of funding earning assets | 0.3672% | 3,362 |
| Net interest margin | 3.8618% | 2,109 |
| Noninterest income to average assets | 0.5916% | 2,707 |
| Noninterest expense to average assets | 2.6420% | 3,531 |
| Loan and lease loss provision to assets | 0.0778% | 2,669 |
| Net operating income to assets | 1.0830% | 2,073 |
| Return on assets (ROA) | 1.1300% | 1,992 |
| Pretax return on assets | 1.6794% | 1,177 |
| Return on Equity (ROE) | 11.0446% | 1,652 |
| Retained earnings to average equity (ytd only) | 9.1859% | 761 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0308% | 4,385 |
| Assets per employee ($millions) | 8.1144% | 566 |
| Cash dividends to net income (ytd only)* | 16.8289% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 4,327 |
| Loan loss allowance to noncurrent loans | 16,352.9412% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,520 |
| Noncurrent loans to loans | 0.0062% | 5,394 |
| Net loans and leases to total assets | 83.6100% | 448 |
| Net loans and leases to deposits | 93.6804% | 1,295 |
| Net loans and leases to core deposits | 114.6846% | 698 |
| Total domestic deposits to total assets | 89.2503% | 779 |
| Equity capital to assets | 10.3237% | 3,777 |
| Core capital (leverage) ratio | 10.1305% | 3,403 |
| Tier 1 risk-based capital ratio | 11.8333% | 4,899 |
| Total risk-based capital ratio | 12.8719% | 4,933 |
| Memoranda: | ||
| Average total assets | $315,509,000 | 2,092 |
| Average earning assets | $305,344,250 | 2,013 |
| Average equity | $32,280,500 | 2,229 |
| Average total loans | $256,318,750 | 1,762 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 2,577 |
| Cost of funding earning assets | 0.3859% | 3,194 |
| Net interest margin | 3.7916% | 2,357 |
| Noninterest income to average assets | 0.5216% | 3,054 |
| Noninterest expense to average assets | 2.6644% | 3,503 |
| Loan and lease loss provision to assets | 0.0442% | 3,266 |
| Net operating income to assets | 1.0024% | 2,387 |
| Return on assets (ROA) | 1.0746% | 2,191 |
| Pretax return on assets | 1.5917% | 1,394 |
| Return on Equity (ROE) | 10.5361% | 1,835 |
| Retained earnings to average equity (ytd only) | 8.6535% | 949 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5282% | 4,096 |
| Assets per employee ($millions) | 7.8967% | 592 |
| Cash dividends to net income (ytd only)* | 17.8678% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 4,363 |
| 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 | 77.4313% | 1,267 |
| Net loans and leases to deposits | 86.1773% | 2,228 |
| Net loans and leases to core deposits | 105.2224% | 1,239 |
| Total domestic deposits to total assets | 89.8511% | 540 |
| Equity capital to assets | 9.8440% | 4,395 |
| Core capital (leverage) ratio | 10.5263% | 2,940 |
| Tier 1 risk-based capital ratio | 11.9879% | 4,833 |
| Total risk-based capital ratio | 13.0236% | 4,868 |
| Memoranda: | ||
| Average total assets | $312,487,000 | 2,112 |
| Average earning assets | $302,666,330 | 2,039 |
| Average equity | $31,871,330 | 2,252 |
| Average total loans | $250,372,670 | 1,797 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,454 |
| Cost of funding earning assets | 0.4003% | 3,061 |
| Net interest margin | 3.8032% | 2,276 |
| Noninterest income to average assets | 0.4477% | 3,503 |
| Noninterest expense to average assets | 2.7785% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9127% | 2,687 |
| Return on assets (ROA) | 0.9944% | 2,423 |
| Pretax return on assets | 1.4658% | 1,696 |
| Return on Equity (ROE) | 9.5672% | 2,173 |
| Retained earnings to average equity (ytd only) | 7.6614% | 1,606 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3711% | 3,566 |
| Assets per employee ($millions) | 7.0292% | 885 |
| Cash dividends to net income (ytd only)* | 19.9203% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 4,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.9467% | 958 |
| Net loans and leases to deposits | 88.5526% | 1,758 |
| Net loans and leases to core deposits | 111.2240% | 796 |
| Total domestic deposits to total assets | 89.1522% | 1,018 |
| Equity capital to assets | 10.5361% | 3,444 |
| Core capital (leverage) ratio | 10.3930% | 3,078 |
| Tier 1 risk-based capital ratio | 12.3271% | 4,707 |
| Total risk-based capital ratio | 13.3933% | 4,721 |
| Memoranda: | ||
| Average total assets | $302,899,000 | 2,166 |
| Average earning assets | $292,802,500 | 2,104 |
| Average equity | $31,482,500 | 2,275 |
| Average total loans | $245,821,000 | 1,826 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,704 |
| Cost of funding earning assets | 0.4429% | 2,708 |
| Net interest margin | 4.0216% | 1,646 |
| Noninterest income to average assets | 0.5238% | 3,175 |
| Noninterest expense to average assets | 2.8153% | 3,170 |
| Loan and lease loss provision to assets | 0.1546% | 1,519 |
| Net operating income to assets | 0.9715% | 2,515 |
| Return on assets (ROA) | 1.0334% | 2,286 |
| Pretax return on assets | 1.5179% | 1,500 |
| Return on Equity (ROE) | 9.5181% | 2,213 |
| Retained earnings to average equity (ytd only) | 7.7555% | 997 |
| Net charge-offs to loans | 0.0217% | 3,834 |
| Credit loss provision to net charge-offs | 865.3061% | 391 |
| Earnings coverage of net charge-offs (x) | 88.5306% | 640 |
| Efficiency ratio | 64.0328% | 4,255 |
| Assets per employee ($millions) | 7.3991% | 748 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,403 |
| 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 | 81.6933% | 625 |
| Net loans and leases to deposits | 91.5295% | 1,449 |
| Net loans and leases to core deposits | 114.7006% | 648 |
| Total domestic deposits to total assets | 89.2535% | 995 |
| Equity capital to assets | 10.2767% | 3,650 |
| Core capital (leverage) ratio | 9.9646% | 3,557 |
| Tier 1 risk-based capital ratio | 12.1512% | 4,857 |
| Total risk-based capital ratio | 13.2189% | 4,873 |
| Memoranda: | ||
| Average total assets | $274,326,400 | 2,308 |
| Average earning assets | $264,176,000 | 2,239 |
| Average equity | $29,785,200 | 2,334 |
| Average total loans | $225,849,400 | 1,890 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 1,603 |
| Cost of funding earning assets | 0.4391% | 2,810 |
| Net interest margin | 4.0565% | 1,540 |
| Noninterest income to average assets | 0.5552% | 3,023 |
| Noninterest expense to average assets | 3.0913% | 2,244 |
| Loan and lease loss provision to assets | 0.2117% | 919 |
| Net operating income to assets | 0.8028% | 3,420 |
| Return on assets (ROA) | 0.8901% | 3,090 |
| Pretax return on assets | 1.2785% | 2,479 |
| Return on Equity (ROE) | 8.0757% | 3,038 |
| Retained earnings to average equity (ytd only) | 6.3772% | 2,031 |
| Net charge-offs to loans | 0.0303% | 3,326 |
| Credit loss provision to net charge-offs | 848.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 54.6960% | 982 |
| Efficiency ratio | 69.3626% | 3,318 |
| Assets per employee ($millions) | 7.6493% | 635 |
| Cash dividends to net income (ytd only)* | 21.0321% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,322 |
| Loan loss allowance to noncurrent loans | 5,190.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 5,731 |
| Noncurrent loans to loans | 0.0209% | 5,550 |
| Net loans and leases to total assets | 79.4348% | 891 |
| Net loans and leases to deposits | 88.8598% | 1,786 |
| Net loans and leases to core deposits | 112.0556% | 759 |
| Total domestic deposits to total assets | 89.3934% | 821 |
| Equity capital to assets | 10.1517% | 3,994 |
| Core capital (leverage) ratio | 10.1172% | 3,477 |
| Tier 1 risk-based capital ratio | 12.5880% | 4,691 |
| Total risk-based capital ratio | 13.7226% | 4,677 |
| Memoranda: | ||
| Average total assets | $267,066,750 | 2,383 |
| Average earning assets | $256,865,750 | 2,298 |
| Average equity | $29,437,500 | 2,369 |
| Average total loans | $219,705,500 | 1,935 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,501 |
| Cost of funding earning assets | 0.4268% | 2,966 |
| Net interest margin | 4.0832% | 1,397 |
| Noninterest income to average assets | 0.5120% | 3,290 |
| Noninterest expense to average assets | 3.1343% | 2,157 |
| Loan and lease loss provision to assets | 0.3304% | 416 |
| Net operating income to assets | 0.6731% | 4,015 |
| Return on assets (ROA) | 0.8011% | 3,472 |
| Pretax return on assets | 1.1541% | 2,956 |
| Return on Equity (ROE) | 7.0520% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.3370% | 2,648 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6978% | 3,218 |
| Assets per employee ($millions) | 6.8466% | 890 |
| Cash dividends to net income (ytd only)* | 24.3191% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.2006% | 533 |
| Net loans and leases to deposits | 98.9638% | 724 |
| Net loans and leases to core deposits | 117.9815% | 529 |
| Total domestic deposits to total assets | 83.0612% | 3,932 |
| Equity capital to assets | 10.7791% | 3,135 |
| Core capital (leverage) ratio | 11.0002% | 2,419 |
| Tier 1 risk-based capital ratio | 13.2647% | 4,367 |
| Total risk-based capital ratio | 14.4993% | 4,304 |
| Memoranda: | ||
| Average total assets | $256,647,670 | 2,484 |
| Average earning assets | $246,471,670 | 2,404 |
| Average equity | $29,155,000 | 2,406 |
| Average total loans | $213,084,670 | 1,989 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,499 |
| Cost of funding earning assets | 0.4336% | 2,939 |
| Net interest margin | 4.0539% | 1,402 |
| Noninterest income to average assets | 0.5483% | 2,956 |
| Noninterest expense to average assets | 3.1898% | 2,009 |
| Loan and lease loss provision to assets | 0.2951% | 500 |
| Net operating income to assets | 0.6512% | 4,043 |
| Return on assets (ROA) | 0.9160% | 2,794 |
| Pretax return on assets | 1.3369% | 2,129 |
| Return on Equity (ROE) | 7.8419% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.1161% | 2,425 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8750% | 3,193 |
| Assets per employee ($millions) | 6.2654% | 1,209 |
| Cash dividends to net income (ytd only)* | 22.0070% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 4,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.0618% | 456 |
| Net loans and leases to deposits | 93.1452% | 1,075 |
| Net loans and leases to core deposits | 110.1766% | 737 |
| Total domestic deposits to total assets | 88.1009% | 1,757 |
| Equity capital to assets | 11.6585% | 2,334 |
| Core capital (leverage) ratio | 11.5946% | 1,936 |
| Tier 1 risk-based capital ratio | 14.1242% | 3,934 |
| Total risk-based capital ratio | 15.3390% | 3,876 |
| Memoranda: | ||
| Average total assets | $248,040,000 | 2,575 |
| Average earning assets | $237,995,500 | 2,488 |
| Average equity | $28,972,500 | 2,431 |
| Average total loans | $205,746,000 | 2,046 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 1,539 |
| Cost of funding earning assets | 0.4350% | 3,331 |
| Net interest margin | 4.1714% | 1,384 |
| Noninterest income to average assets | 0.4816% | 3,642 |
| Noninterest expense to average assets | 3.5920% | 1,326 |
| Loan and lease loss provision to assets | 0.1034% | 2,428 |
| Net operating income to assets | 0.4374% | 5,084 |
| Return on assets (ROA) | 0.5358% | 4,740 |
| Pretax return on assets | 0.9354% | 3,761 |
| Return on Equity (ROE) | 4.5265% | 4,875 |
| Retained earnings to average equity (ytd only) | 2.7216% | 4,305 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2329% | 1,893 |
| Assets per employee ($millions) | 7.0133% | 838 |
| Cash dividends to net income (ytd only)* | 39.8724% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 81.9697% | 522 |
| Net loans and leases to deposits | 95.0771% | 984 |
| Net loans and leases to core deposits | 104.4862% | 1,100 |
| Total domestic deposits to total assets | 86.2139% | 2,715 |
| Equity capital to assets | 11.7031% | 2,255 |
| Core capital (leverage) ratio | 11.5911% | 1,908 |
| Tier 1 risk-based capital ratio | 14.3631% | 3,854 |
| Total risk-based capital ratio | 15.5197% | 3,845 |
| Memoranda: | ||
| Average total assets | $234,021,200 | 2,662 |
| Average earning assets | $224,144,600 | 2,585 |
| Average equity | $27,703,800 | 2,430 |
| Average total loans | $185,782,400 | 2,162 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 1,590 |
| Cost of funding earning assets | 0.4299% | 3,466 |
| Net interest margin | 4.1605% | 1,396 |
| Noninterest income to average assets | 0.4591% | 3,832 |
| Noninterest expense to average assets | 3.2410% | 2,051 |
| Loan and lease loss provision to assets | 0.0675% | 2,996 |
| Net operating income to assets | 0.7970% | 3,440 |
| Return on assets (ROA) | 0.8404% | 3,318 |
| Pretax return on assets | 1.1916% | 2,813 |
| Return on Equity (ROE) | 7.0775% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,915 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0120% | 2,996 |
| Assets per employee ($millions) | 6.9460% | 820 |
| Cash dividends to net income (ytd only)* | 25.7379% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 79.9288% | 719 |
| Net loans and leases to deposits | 92.9394% | 1,137 |
| Net loans and leases to core deposits | 102.6400% | 1,178 |
| Total domestic deposits to total assets | 86.0009% | 2,843 |
| Equity capital to assets | 11.5154% | 2,471 |
| Core capital (leverage) ratio | 11.6567% | 1,932 |
| Tier 1 risk-based capital ratio | 14.0976% | 4,148 |
| Total risk-based capital ratio | 15.1921% | 4,202 |
| Memoranda: | ||
| Average total assets | $231,160,500 | 2,703 |
| Average earning assets | $221,121,750 | 2,621 |
| Average equity | $27,448,000 | 2,454 |
| Average total loans | $181,371,000 | 2,228 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,545 |
| Cost of funding earning assets | 0.4265% | 3,586 |
| Net interest margin | 4.1674% | 1,322 |
| Noninterest income to average assets | 0.4578% | 3,808 |
| Noninterest expense to average assets | 3.3023% | 1,916 |
| Loan and lease loss provision to assets | -0.1056% | 6,385 |
| Net operating income to assets | 0.8845% | 2,889 |
| Return on assets (ROA) | 0.9508% | 2,641 |
| Pretax return on assets | 1.3373% | 2,127 |
| Return on Equity (ROE) | 7.9220% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.0882% | 2,265 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3656% | 2,913 |
| Assets per employee ($millions) | 6.4426% | 1,040 |
| Cash dividends to net income (ytd only)* | 23.1481% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.4845% | 744 |
| Net loans and leases to deposits | 96.9202% | 744 |
| Net loans and leases to core deposits | 105.4411% | 933 |
| Total domestic deposits to total assets | 82.0102% | 4,645 |
| Equity capital to assets | 11.9380% | 2,029 |
| Core capital (leverage) ratio | 12.2753% | 1,512 |
| Tier 1 risk-based capital ratio | 14.6858% | 3,816 |
| Total risk-based capital ratio | 15.7085% | 3,896 |
| Memoranda: | ||
| Average total assets | $227,177,670 | 2,756 |
| Average earning assets | $217,114,000 | 2,668 |
| Average equity | $27,265,670 | 2,456 |
| Average total loans | $176,358,000 | 2,276 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 1,701 |
| Cost of funding earning assets | 0.4361% | 3,587 |
| Net interest margin | 4.0963% | 1,456 |
| Noninterest income to average assets | 0.4093% | 4,110 |
| Noninterest expense to average assets | 3.2669% | 2,027 |
| Loan and lease loss provision to assets | -0.2135% | 6,575 |
| Net operating income to assets | 0.8994% | 2,658 |
| Return on assets (ROA) | 1.0320% | 2,151 |
| Pretax return on assets | 1.4537% | 1,572 |
| Return on Equity (ROE) | 8.5753% | 2,658 |
| Retained earnings to average equity (ytd only) | 6.7272% | 2,180 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6178% | 2,858 |
| Assets per employee ($millions) | 5.9436% | 1,342 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 77.1225% | 870 |
| Net loans and leases to deposits | 91.1874% | 1,020 |
| Net loans and leases to core deposits | 101.5423% | 1,011 |
| Total domestic deposits to total assets | 84.5759% | 4,054 |
| Equity capital to assets | 12.4080% | 1,624 |
| Core capital (leverage) ratio | 12.1029% | 1,595 |
| Tier 1 risk-based capital ratio | 15.7422% | 3,308 |
| Total risk-based capital ratio | 16.8454% | 3,349 |
| Memoranda: | ||
| Average total assets | $224,800,500 | 2,780 |
| Average earning assets | $214,634,000 | 2,702 |
| Average equity | $27,054,500 | 2,466 |
| Average total loans | $171,432,000 | 2,329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 1,785 |
| Cost of funding earning assets | 0.4152% | 4,478 |
| Net interest margin | 4.2096% | 1,326 |
| Noninterest income to average assets | 0.6055% | 3,061 |
| Noninterest expense to average assets | 3.1866% | 2,456 |
| Loan and lease loss provision to assets | 0.1403% | 2,553 |
| Net operating income to assets | 0.9607% | 2,511 |
| Return on assets (ROA) | 0.9607% | 2,579 |
| Pretax return on assets | 1.3003% | 2,152 |
| Return on Equity (ROE) | 7.7728% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.2918% | 1,320 |
| Net charge-offs to loans | 0.1571% | 3,233 |
| Credit loss provision to net charge-offs | 114.3411% | 2,114 |
| Earnings coverage of net charge-offs (x) | 11.7403% | 2,204 |
| Efficiency ratio | 68.8663% | 4,040 |
| Assets per employee ($millions) | 6.9602% | 786 |
| Cash dividends to net income (ytd only)* | 6.1881% | 4,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,285 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 73.7616% | 1,389 |
| Net loans and leases to deposits | 84.1537% | 1,919 |
| Net loans and leases to core deposits | 91.3616% | 1,867 |
| Total domestic deposits to total assets | 87.6510% | 2,392 |
| Equity capital to assets | 11.6777% | 2,046 |
| Core capital (leverage) ratio | 11.7971% | 1,759 |
| Tier 1 risk-based capital ratio | 15.0651% | 3,629 |
| Total risk-based capital ratio | 16.2074% | 3,637 |
| Memoranda: | ||
| Average total assets | $210,254,400 | 2,911 |
| Average earning assets | $200,873,800 | 2,816 |
| Average equity | $25,988,200 | 2,547 |
| Average total loans | $164,253,200 | 2,367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 1,849 |
| Cost of funding earning assets | 0.4107% | 4,719 |
| Net interest margin | 4.2040% | 1,316 |
| Noninterest income to average assets | 0.6907% | 2,658 |
| Noninterest expense to average assets | 3.1373% | 2,539 |
| Loan and lease loss provision to assets | 0.2921% | 1,174 |
| Net operating income to assets | 0.9114% | 2,772 |
| Return on assets (ROA) | 0.9114% | 2,879 |
| Pretax return on assets | 1.2814% | 2,406 |
| Return on Equity (ROE) | 7.2613% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.2613% | 1,763 |
| Net charge-offs to loans | 0.1838% | 2,761 |
| Credit loss provision to net charge-offs | 200.8929% | 1,201 |
| Earnings coverage of net charge-offs (x) | 10.8214% | 2,313 |
| Efficiency ratio | 66.5978% | 4,372 |
| Assets per employee ($millions) | 6.3071% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,456 |
| Loan loss allowance to noncurrent loans | 309.1794% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 5,141 |
| Noncurrent loans to loans | 0.4168% | 5,150 |
| Net loans and leases to total assets | 79.4051% | 614 |
| Net loans and leases to deposits | 97.6885% | 589 |
| Net loans and leases to core deposits | 106.9445% | 710 |
| Total domestic deposits to total assets | 81.2839% | 5,145 |
| Equity capital to assets | 12.3073% | 1,706 |
| Core capital (leverage) ratio | 12.5506% | 1,397 |
| Tier 1 risk-based capital ratio | 14.9617% | 3,772 |
| Total risk-based capital ratio | 16.1897% | 3,740 |
| Memoranda: | ||
| Average total assets | $205,396,500 | 2,984 |
| Average earning assets | $196,413,500 | 2,893 |
| Average equity | $25,779,750 | 2,595 |
| Average total loans | $162,466,500 | 2,403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,998 |
| Cost of funding earning assets | 0.4315% | 4,644 |
| Net interest margin | 4.1277% | 1,475 |
| Noninterest income to average assets | 0.7392% | 2,460 |
| Noninterest expense to average assets | 3.2216% | 2,298 |
| Loan and lease loss provision to assets | 0.4002% | 776 |
| Net operating income to assets | 0.7866% | 3,370 |
| Return on assets (ROA) | 0.7866% | 3,531 |
| Pretax return on assets | 1.0693% | 3,225 |
| Return on Equity (ROE) | 6.2247% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.2247% | 2,309 |
| Net charge-offs to loans | 0.2815% | 2,071 |
| Credit loss provision to net charge-offs | 180.8036% | 1,317 |
| Earnings coverage of net charge-offs (x) | 6.6384% | 2,684 |
| Efficiency ratio | 68.6750% | 4,065 |
| Assets per employee ($millions) | 6.7404% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,404 |
| Loan loss allowance to noncurrent loans | 271.2329% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 5,069 |
| Noncurrent loans to loans | 0.4867% | 5,045 |
| Net loans and leases to total assets | 77.9122% | 759 |
| Net loans and leases to deposits | 93.1035% | 874 |
| Net loans and leases to core deposits | 101.8487% | 950 |
| Total domestic deposits to total assets | 83.6833% | 4,462 |
| Equity capital to assets | 12.3512% | 1,675 |
| Core capital (leverage) ratio | 12.7433% | 1,268 |
| Tier 1 risk-based capital ratio | 15.3655% | 3,554 |
| Total risk-based capital ratio | 16.5847% | 3,531 |
| Memoranda: | ||
| Average total assets | $202,381,670 | 3,045 |
| Average earning assets | $193,762,000 | 2,946 |
| Average equity | $25,575,670 | 2,617 |
| Average total loans | $159,122,000 | 2,455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 1,986 |
| Cost of funding earning assets | 0.4762% | 4,314 |
| Net interest margin | 4.0741% | 1,544 |
| Noninterest income to average assets | 0.5766% | 3,262 |
| Noninterest expense to average assets | 3.2306% | 2,265 |
| Loan and lease loss provision to assets | 0.4520% | 628 |
| Net operating income to assets | 0.6610% | 3,897 |
| Return on assets (ROA) | 0.6610% | 4,057 |
| Pretax return on assets | 0.7956% | 4,189 |
| Return on Equity (ROE) | 5.1690% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.1690% | 3,131 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1400% | 3,588 |
| Assets per employee ($millions) | 6.3383% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,265 |
| 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 | 77.4371% | 673 |
| Net loans and leases to deposits | 88.8414% | 1,066 |
| Net loans and leases to core deposits | 96.5769% | 1,170 |
| Total domestic deposits to total assets | 87.1633% | 2,856 |
| Equity capital to assets | 12.6114% | 1,642 |
| Core capital (leverage) ratio | 12.9111% | 1,152 |
| Tier 1 risk-based capital ratio | 15.7773% | 3,386 |
| Total risk-based capital ratio | 17.0288% | 3,342 |
| Memoranda: | ||
| Average total assets | $199,096,500 | 3,108 |
| Average earning assets | $190,669,000 | 3,005 |
| Average equity | $25,459,500 | 2,665 |
| Average total loans | $156,194,500 | 2,510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 2,930 |
| Cost of funding earning assets | 0.6713% | 3,729 |
| Net interest margin | 3.9457% | 2,623 |
| Noninterest income to average assets | 0.9304% | 1,770 |
| Noninterest expense to average assets | 3.4100% | 2,023 |
| Loan and lease loss provision to assets | 0.3193% | 2,137 |
| Net operating income to assets | 0.9739% | 2,445 |
| Return on assets (ROA) | 1.0323% | 2,405 |
| Pretax return on assets | 1.0323% | 3,425 |
| Return on Equity (ROE) | 7.6595% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.6595% | 1,256 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5038% | 3,324 |
| Assets per employee ($millions) | 5.9203% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,614 |
| 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 | 77.3454% | 754 |
| Net loans and leases to deposits | 89.0322% | 1,160 |
| Net loans and leases to core deposits | 95.9069% | 1,312 |
| Total domestic deposits to total assets | 86.8736% | 2,898 |
| Equity capital to assets | 12.9703% | 1,465 |
| Core capital (leverage) ratio | 13.2312% | 1,039 |
| Tier 1 risk-based capital ratio | 16.8904% | 2,706 |
| Total risk-based capital ratio | 18.1483% | 2,664 |
| Memoranda: | ||
| Average total assets | $181,639,600 | 3,291 |
| Average earning assets | $173,683,000 | 3,176 |
| Average equity | $24,479,400 | 2,712 |
| Average total loans | $135,720,200 | 2,779 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 3,095 |
| Cost of funding earning assets | 0.7218% | 3,580 |
| Net interest margin | 3.9102% | 2,880 |
| Noninterest income to average assets | 0.8118% | 2,185 |
| Noninterest expense to average assets | 3.4603% | 1,858 |
| Loan and lease loss provision to assets | 0.1047% | 4,264 |
| Net operating income to assets | 0.9838% | 2,592 |
| Return on assets (ROA) | 1.0632% | 2,454 |
| Pretax return on assets | 1.0632% | 3,486 |
| Return on Equity (ROE) | 7.8083% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.8083% | 1,701 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0691% | 2,670 |
| Assets per employee ($millions) | 5.7418% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,703 |
| 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 | 73.5156% | 1,317 |
| Net loans and leases to deposits | 85.0436% | 1,723 |
| Net loans and leases to core deposits | 94.7103% | 1,512 |
| Total domestic deposits to total assets | 86.4446% | 3,016 |
| Equity capital to assets | 13.2314% | 1,478 |
| Core capital (leverage) ratio | 13.4728% | 1,021 |
| Tier 1 risk-based capital ratio | 18.9374% | 2,031 |
| Total risk-based capital ratio | 20.1363% | 2,012 |
| Memoranda: | ||
| Average total assets | $178,207,250 | 3,377 |
| Average earning assets | $170,319,750 | 3,260 |
| Average equity | $24,264,250 | 2,756 |
| Average total loans | $131,373,750 | 2,893 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 2,818 |
| Cost of funding earning assets | 0.7947% | 3,230 |
| Net interest margin | 3.9314% | 2,786 |
| Noninterest income to average assets | 0.7796% | 2,294 |
| Noninterest expense to average assets | 3.5024% | 1,781 |
| Loan and lease loss provision to assets | 0.1261% | 3,944 |
| Net operating income to assets | 0.9057% | 2,888 |
| Return on assets (ROA) | 1.0272% | 2,570 |
| Pretax return on assets | 1.0272% | 3,606 |
| Return on Equity (ROE) | 7.4681% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.4681% | 1,891 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2440% | 2,557 |
| Assets per employee ($millions) | 5.4266% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,547 |
| 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 | 72.9593% | 1,396 |
| Net loans and leases to deposits | 84.7566% | 1,751 |
| Net loans and leases to core deposits | 94.7015% | 1,537 |
| Total domestic deposits to total assets | 86.0809% | 3,316 |
| Equity capital to assets | 13.6628% | 1,237 |
| Core capital (leverage) ratio | 13.1548% | 1,108 |
| Tier 1 risk-based capital ratio | 19.4998% | 1,852 |
| Total risk-based capital ratio | 20.7381% | 1,821 |
| Memoranda: | ||
| Average total assets | $174,449,330 | 3,442 |
| Average earning assets | $166,608,670 | 3,320 |
| Average equity | $23,995,330 | 2,769 |
| Average total loans | $128,213,330 | 2,959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 2,977 |
| Cost of funding earning assets | 0.6727% | 4,516 |
| Net interest margin | 4.0458% | 2,315 |
| Noninterest income to average assets | 0.5159% | 3,809 |
| Noninterest expense to average assets | 3.2928% | 2,308 |
| Loan and lease loss provision to assets | 0.2115% | 2,835 |
| Net operating income to assets | 0.8691% | 3,057 |
| Return on assets (ROA) | 0.8691% | 3,286 |
| Pretax return on assets | 0.8691% | 4,158 |
| Return on Equity (ROE) | 6.2964% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.2964% | 2,797 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2922% | 2,893 |
| Assets per employee ($millions) | 5.9378% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,715 |
| 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 | 70.4527% | 1,678 |
| Net loans and leases to deposits | 83.8585% | 1,681 |
| Net loans and leases to core deposits | 92.6565% | 1,581 |
| Total domestic deposits to total assets | 84.0138% | 4,484 |
| Equity capital to assets | 13.0183% | 1,438 |
| Core capital (leverage) ratio | 14.0440% | 796 |
| Tier 1 risk-based capital ratio | 18.6438% | 2,096 |
| Total risk-based capital ratio | 19.8406% | 2,080 |
| Memoranda: | ||
| Average total assets | $172,135,000 | 3,488 |
| Average earning assets | $164,120,500 | 3,376 |
| Average equity | $23,759,500 | 2,789 |
| Average total loans | $126,229,500 | 3,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 3,317 |
| Cost of funding earning assets | 0.8153% | 4,746 |
| Net interest margin | 4.0916% | 2,461 |
| Noninterest income to average assets | 0.4827% | 3,977 |
| Noninterest expense to average assets | 3.4471% | 2,127 |
| Loan and lease loss provision to assets | 0.2232% | 3,969 |
| Net operating income to assets | 0.6623% | 3,680 |
| Return on assets (ROA) | 0.6631% | 3,860 |
| Pretax return on assets | 0.6631% | 4,459 |
| Return on Equity (ROE) | 4.0621% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.0621% | 3,300 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5623% | 2,366 |
| Assets per employee ($millions) | 5.9333% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 74.8138% | 1,125 |
| Net loans and leases to deposits | 92.9647% | 887 |
| Net loans and leases to core deposits | 101.9098% | 1,035 |
| Total domestic deposits to total assets | 80.4755% | 5,601 |
| Equity capital to assets | 14.7042% | 846 |
| Core capital (leverage) ratio | 15.1903% | 576 |
| Tier 1 risk-based capital ratio | 19.7453% | 1,698 |
| Total risk-based capital ratio | 20.9574% | 1,668 |
| Memoranda: | ||
| Average total assets | $140,260,800 | 3,972 |
| Average earning assets | $131,978,400 | 3,891 |
| Average equity | $22,894,600 | 2,790 |
| Average total loans | $100,198,600 | 3,616 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 3,264 |
| Cost of funding earning assets | 0.8518% | 4,760 |
| Net interest margin | 4.1149% | 2,414 |
| Noninterest income to average assets | 0.4169% | 4,531 |
| Noninterest expense to average assets | 3.4644% | 2,039 |
| Loan and lease loss provision to assets | 0.1883% | 4,149 |
| Net operating income to assets | 0.6209% | 4,006 |
| Return on assets (ROA) | 0.6229% | 4,175 |
| Pretax return on assets | 0.6229% | 4,733 |
| Return on Equity (ROE) | 3.7073% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.7073% | 4,108 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0655% | 2,100 |
| Assets per employee ($millions) | 5.6398% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.5480% | 1,970 |
| Net loans and leases to deposits | 88.0086% | 1,436 |
| Net loans and leases to core deposits | 96.7337% | 1,534 |
| Total domestic deposits to total assets | 80.1603% | 5,689 |
| Equity capital to assets | 15.9321% | 638 |
| Core capital (leverage) ratio | 15.9423% | 510 |
| Tier 1 risk-based capital ratio | 23.4663% | 1,081 |
| Total risk-based capital ratio | 24.7178% | 1,059 |
| Memoranda: | ||
| Average total assets | $135,276,250 | 4,093 |
| Average earning assets | $126,786,500 | 4,019 |
| Average equity | $22,729,250 | 2,811 |
| Average total loans | $94,931,250 | 3,783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 3,454 |
| Cost of funding earning assets | 0.8803% | 4,826 |
| Net interest margin | 4.0572% | 2,586 |
| Noninterest income to average assets | 0.3787% | 4,858 |
| Noninterest expense to average assets | 3.4390% | 2,156 |
| Loan and lease loss provision to assets | 0.1065% | 4,971 |
| Net operating income to assets | 0.6327% | 3,900 |
| Return on assets (ROA) | 0.6327% | 4,022 |
| Pretax return on assets | 0.6327% | 4,639 |
| Return on Equity (ROE) | 3.6948% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.6948% | 3,866 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3080% | 2,060 |
| Assets per employee ($millions) | 5.7680% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 69.4712% | 2,330 |
| Net loans and leases to deposits | 87.5874% | 1,555 |
| Net loans and leases to core deposits | 96.0298% | 1,682 |
| Total domestic deposits to total assets | 79.3163% | 6,003 |
| Equity capital to assets | 16.6333% | 525 |
| Core capital (leverage) ratio | 16.5033% | 450 |
| Tier 1 risk-based capital ratio | 24.4981% | 954 |
| Total risk-based capital ratio | 25.7480% | 934 |
| Memoranda: | ||
| Average total assets | $131,490,000 | 4,193 |
| Average earning assets | $123,139,330 | 4,125 |
| Average equity | $22,518,330 | 2,813 |
| Average total loans | $91,660,670 | 3,895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 4,079 |
| Cost of funding earning assets | 0.8607% | 5,205 |
| Net interest margin | 3.9347% | 2,979 |
| Noninterest income to average assets | 0.3499% | 5,103 |
| Noninterest expense to average assets | 3.4839% | 2,048 |
| Loan and lease loss provision to assets | -0.1094% | 7,487 |
| Net operating income to assets | 0.6749% | 3,633 |
| Return on assets (ROA) | 0.6749% | 3,703 |
| Pretax return on assets | 0.6749% | 4,397 |
| Return on Equity (ROE) | 3.8806% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.8806% | 3,840 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0340% | 1,712 |
| Assets per employee ($millions) | 6.0080% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,662 |
| 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 | 66.8672% | 2,796 |
| Net loans and leases to deposits | 84.7197% | 1,926 |
| Net loans and leases to core deposits | 91.2972% | 2,198 |
| Total domestic deposits to total assets | 78.9275% | 6,208 |
| Equity capital to assets | 16.9235% | 449 |
| Core capital (leverage) ratio | 17.8029% | 339 |
| Tier 1 risk-based capital ratio | 25.6920% | 815 |
| Total risk-based capital ratio | 26.9422% | 791 |
| Memoranda: | ||
| Average total assets | $128,018,500 | 4,308 |
| Average earning assets | $120,364,500 | 4,212 |
| Average equity | $22,264,500 | 2,839 |
| Average total loans | $88,818,500 | 4,003 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 4,126 |
| Cost of funding earning assets | 2.0605% | 489 |
| Net interest margin | 3.0319% | 6,678 |
| Noninterest income to average assets | 0.4475% | 4,536 |
| Noninterest expense to average assets | 3.5127% | 2,138 |
| Loan and lease loss provision to assets | 0.2954% | 4,437 |
| Net operating income to assets | -0.5313% | 6,406 |
| Return on assets (ROA) | 0.2840% | 5,151 |
| Pretax return on assets | 0.2840% | 5,275 |
| Return on Equity (ROE) | 1.5666% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.5666% | 4,747 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2014% | 597 |
| Assets per employee ($millions) | 5.8981% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,247 |
| 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 | 70.3060% | 2,465 |
| Net loans and leases to deposits | 90.6725% | 1,440 |
| Net loans and leases to core deposits | 99.3066% | 1,673 |
| Total domestic deposits to total assets | 77.5383% | 6,396 |
| Equity capital to assets | 17.8912% | 381 |
| Core capital (leverage) ratio | 17.5939% | 355 |
| Tier 1 risk-based capital ratio | 26.1909% | 741 |
| Total risk-based capital ratio | 27.4416% | 722 |
| Memoranda: | ||
| Average total assets | $122,896,000 | 4,427 |
| Average earning assets | $114,682,400 | 4,352 |
| Average equity | $22,277,200 | 2,850 |
| Average total loans | $74,601,600 | 4,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 4,350 |
| Cost of funding earning assets | 2.4440% | 174 |
| Net interest margin | 2.6506% | 7,272 |
| Noninterest income to average assets | 0.4196% | 4,802 |
| Noninterest expense to average assets | 3.4850% | 2,066 |
| Loan and lease loss provision to assets | 0.3087% | 4,111 |
| Net operating income to assets | -0.9055% | 6,844 |
| Return on assets (ROA) | 0.1837% | 5,720 |
| Pretax return on assets | 0.1837% | 5,767 |
| Return on Equity (ROE) | 1.0102% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.0102% | 5,406 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6624% | 386 |
| Assets per employee ($millions) | 6.0214% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,330 |
| 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 | 64.9474% | 3,913 |
| Net loans and leases to deposits | 83.1799% | 2,875 |
| Net loans and leases to core deposits | 90.9439% | 2,963 |
| Total domestic deposits to total assets | 78.0807% | 6,240 |
| Equity capital to assets | 17.4021% | 475 |
| Core capital (leverage) ratio | 17.6254% | 376 |
| Tier 1 risk-based capital ratio | 26.9356% | 703 |
| Total risk-based capital ratio | 28.1864% | 683 |
| Memoranda: | ||
| Average total assets | $122,655,000 | 4,487 |
| Average earning assets | $114,236,500 | 4,423 |
| Average equity | $22,306,500 | 2,890 |
| Average total loans | $71,205,750 | 4,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 4,507 |
| Cost of funding earning assets | 1.4090% | 3,817 |
| Net interest margin | 3.6812% | 4,445 |
| Noninterest income to average assets | 0.3032% | 5,731 |
| Noninterest expense to average assets | 3.4517% | 2,142 |
| Loan and lease loss provision to assets | 0.3279% | 3,775 |
| Net operating income to assets | -0.0544% | 6,156 |
| Return on assets (ROA) | -0.0445% | 6,234 |
| Pretax return on assets | -0.0445% | 6,193 |
| Return on Equity (ROE) | -0.2410% | 6,211 |
| Retained earnings to average equity (ytd only) | -0.2410% | 5,782 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6581% | 1,149 |
| Assets per employee ($millions) | 6.1796% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,168 |
| 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 | 59.9599% | 5,065 |
| Net loans and leases to deposits | 87.1506% | 2,313 |
| Net loans and leases to core deposits | 97.9357% | 2,238 |
| Total domestic deposits to total assets | 68.8003% | 7,394 |
| Equity capital to assets | 18.2020% | 397 |
| Core capital (leverage) ratio | 17.2426% | 416 |
| Tier 1 risk-based capital ratio | 27.8768% | 640 |
| Total risk-based capital ratio | 29.1124% | 626 |
| Memoranda: | ||
| Average total assets | $121,390,000 | 4,537 |
| Average earning assets | $112,843,670 | 4,485 |
| Average equity | $22,407,000 | 2,875 |
| Average total loans | $67,224,000 | 4,893 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 5,571 |
| Cost of funding earning assets | 1.4841% | 3,663 |
| Net interest margin | 3.3937% | 5,606 |
| Noninterest income to average assets | 0.3259% | 5,541 |
| Noninterest expense to average assets | 3.5149% | 1,943 |
| Loan and lease loss provision to assets | 0.1829% | 4,687 |
| Net operating income to assets | -0.2161% | 6,562 |
| Return on assets (ROA) | -0.2161% | 6,630 |
| Pretax return on assets | -0.2161% | 6,570 |
| Return on Equity (ROE) | -1.1627% | 6,544 |
| Retained earnings to average equity (ytd only) | -1.1627% | 6,072 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9551% | 808 |
| Assets per employee ($millions) | 6.9958% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 5,458 |
| 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 | 51.6573% | 6,307 |
| Net loans and leases to deposits | 74.3995% | 4,680 |
| Net loans and leases to core deposits | 87.9528% | 3,629 |
| Total domestic deposits to total assets | 69.4324% | 7,445 |
| Equity capital to assets | 17.8131% | 442 |
| Core capital (leverage) ratio | 18.1557% | 366 |
| Tier 1 risk-based capital ratio | 30.0299% | 527 |
| Total risk-based capital ratio | 31.1627% | 513 |
| Memoranda: | ||
| Average total assets | $120,289,500 | 4,620 |
| Average earning assets | $111,854,500 | 4,568 |
| Average equity | $22,362,500 | 2,897 |
| Average total loans | $63,313,500 | 5,121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 6,537 |
| Cost of funding earning assets | 2.2709% | 1,765 |
| Net interest margin | 2.6959% | 7,215 |
| Noninterest income to average assets | 0.2250% | 6,501 |
| Noninterest expense to average assets | 4.1281% | 1,186 |
| Loan and lease loss provision to assets | 0.4472% | 4,146 |
| Net operating income to assets | -1.8610% | 7,032 |
| Return on assets (ROA) | -1.8610% | 7,035 |
| Pretax return on assets | -1.8610% | 6,884 |
| Return on Equity (ROE) | -8.2778% | 6,490 |
| Retained earnings to average equity (ytd only) | -8.2778% | 6,375 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0908% | 304 |
| Assets per employee ($millions) | 6.0345% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 5,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.3667% | 6,381 |
| Net loans and leases to deposits | 78.6361% | 4,250 |
| Net loans and leases to core deposits | 98.7224% | 4,150 |
| Total domestic deposits to total assets | 66.5937% | 7,620 |
| Equity capital to assets | 19.4444% | 337 |
| Core capital (leverage) ratio | 18.2595% | 383 |
| Tier 1 risk-based capital ratio | 31.1876% | 470 |
| Total risk-based capital ratio | 32.2829% | 474 |
| Memoranda: | ||
| Average total assets | $102,201,600 | 5,034 |
| Average earning assets | $94,365,800 | 4,998 |
| Average equity | $22,977,000 | 2,828 |
| Average total loans | $42,005,800 | 6,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9962% | 6,613 |
| Cost of funding earning assets | 2.0440% | 3,147 |
| Net interest margin | 2.9523% | 6,726 |
| Noninterest income to average assets | 0.2503% | 6,450 |
| Noninterest expense to average assets | 4.1107% | 1,127 |
| Loan and lease loss provision to assets | 0.3485% | 4,239 |
| Net operating income to assets | -1.4842% | 7,103 |
| Return on assets (ROA) | -1.4842% | 7,100 |
| Pretax return on assets | -1.4842% | 6,954 |
| Return on Equity (ROE) | -6.3532% | 6,591 |
| Retained earnings to average equity (ytd only) | -6.3532% | 6,429 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1728% | 399 |
| Assets per employee ($millions) | 5.7009% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,110 |
| 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 | 39.2061% | 7,492 |
| Net loans and leases to deposits | 63.6953% | 6,520 |
| Net loans and leases to core deposits | 81.5373% | 6,229 |
| Total domestic deposits to total assets | 61.5526% | 7,832 |
| Equity capital to assets | 20.1161% | 334 |
| Core capital (leverage) ratio | 19.6113% | 338 |
| Tier 1 risk-based capital ratio | 39.8730% | 287 |
| Total risk-based capital ratio | 40.8696% | 285 |
| Memoranda: | ||
| Average total assets | $99,088,250 | 5,147 |
| Average earning assets | $91,453,000 | 5,111 |
| Average equity | $23,147,750 | 2,838 |
| Average total loans | $37,311,750 | 6,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 6,325 |
| Cost of funding earning assets | 2.0400% | 3,577 |
| Net interest margin | 3.0888% | 6,284 |
| Noninterest income to average assets | 0.2444% | 6,535 |
| Noninterest expense to average assets | 4.3523% | 897 |
| Loan and lease loss provision to assets | 0.5207% | 2,944 |
| Net operating income to assets | -1.7745% | 7,354 |
| Return on assets (ROA) | -1.7745% | 7,349 |
| Pretax return on assets | -1.7745% | 7,208 |
| Return on Equity (ROE) | -7.1926% | 6,821 |
| Retained earnings to average equity (ytd only) | -7.1926% | 6,585 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4664% | 424 |
| Assets per employee ($millions) | 5.2492% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,409 |
| 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 | 44.2329% | 7,309 |
| Net loans and leases to deposits | 75.6204% | 5,225 |
| Net loans and leases to core deposits | 100.1186% | 4,498 |
| Total domestic deposits to total assets | 58.4933% | 7,971 |
| Equity capital to assets | 21.7826% | 290 |
| Core capital (leverage) ratio | 22.1199% | 275 |
| Tier 1 risk-based capital ratio | 40.8921% | 285 |
| Total risk-based capital ratio | 41.8777% | 289 |
| Memoranda: | ||
| Average total assets | $94,111,670 | 5,338 |
| Average earning assets | $86,959,670 | 5,302 |
| Average equity | $23,218,330 | 2,844 |
| Average total loans | $34,667,330 | 6,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 6,051 |
| Cost of funding earning assets | 2.0086% | 4,084 |
| Net interest margin | 3.2554% | 5,672 |
| Noninterest income to average assets | 0.1895% | 6,936 |
| Noninterest expense to average assets | 4.2762% | 872 |
| Loan and lease loss provision to assets | 0.5278% | 2,360 |
| Net operating income to assets | -1.6464% | 7,558 |
| Return on assets (ROA) | -1.6464% | 7,558 |
| Pretax return on assets | -1.6464% | 7,421 |
| Return on Equity (ROE) | -6.2410% | 7,085 |
| Retained earnings to average equity (ytd only) | -6.2410% | 6,717 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4286% | 453 |
| Assets per employee ($millions) | 5.3861% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 4,710 |
| 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 | 35.6516% | 7,739 |
| Net loans and leases to deposits | 75.3485% | 5,305 |
| Net loans and leases to core deposits | 114.6691% | 2,939 |
| Total domestic deposits to total assets | 47.3155% | 8,116 |
| Equity capital to assets | 25.6389% | 208 |
| Core capital (leverage) ratio | 24.5679% | 242 |
| Tier 1 risk-based capital ratio | 52.6683% | 180 |
| Total risk-based capital ratio | 53.6122% | 179 |
| Memoranda: | ||
| Average total assets | $88,676,000 | 5,536 |
| Average earning assets | $80,851,500 | 5,522 |
| Average equity | $23,393,500 | 2,831 |
| Average total loans | $28,518,000 | 6,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6528% | 8,191 |
| Cost of funding earning assets | 0.7219% | 8,139 |
| Net interest margin | 1.9308% | 8,105 |
| Noninterest income to average assets | 0.3623% | 5,819 |
| Noninterest expense to average assets | 5.8095% | 440 |
| Loan and lease loss provision to assets | 0.5717% | 2,535 |
| Net operating income to assets | -4.2152% | 8,016 |
| Return on assets (ROA) | -4.2152% | 8,001 |
| Pretax return on assets | -4.2152% | 7,931 |
| Return on Equity (ROE) | -8.9510% | 7,191 |
| Retained earnings to average equity (ytd only) | -8.9510% | 6,963 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 268.2156% | 124 |
| Assets per employee ($millions) | 4.7660% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 4,674 |
| 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 | 27.6344% | 8,045 |
| Net loans and leases to deposits | 109.3799% | 875 |
| Net loans and leases to core deposits | 137.6793% | 1,395 |
| Total domestic deposits to total assets | 25.2646% | 8,226 |
| Equity capital to assets | 27.1728% | 216 |
| Core capital (leverage) ratio | 35.6350% | 133 |
| Tier 1 risk-based capital ratio | 64.5768% | 141 |
| Total risk-based capital ratio | 65.3891% | 138 |
| Memoranda: | ||
| Average total assets | $49,677,670 | 6,787 |
| Average earning assets | $46,404,670 | 6,749 |
| Average equity | $23,394,000 | 2,802 |
| Average total loans | $15,003,000 | 7,650 |