Home > Tolleson Private Bank > Performance and Condition Ratios
Tolleson Private Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 2,869 |
| Cost of funding earning assets | 2.5594% | 326 |
| Net interest margin | 2.0536% | 4,397 |
| Noninterest income to average assets | 1.5800% | 366 |
| Noninterest expense to average assets | 2.0992% | 3,404 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4837% | 1,045 |
| Return on assets (ROA) | 1.4844% | 1,018 |
| Pretax return on assets | 1.4844% | 1,460 |
| Return on Equity (ROE) | 18.9400% | 714 |
| Retained earnings to average equity (ytd only) | 0.8919% | 3,856 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.4133% | 3,254 |
| Assets per employee ($millions) | 15.1207% | 205 |
| Cash dividends to net income (ytd only)* | 95.2920% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,426 |
| Loan loss allowance to noncurrent loans | 2,533.5593% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,440 |
| Noncurrent loans to loans | 0.0386% | 3,447 |
| Net loans and leases to total assets | 82.0700% | 427 |
| Net loans and leases to deposits | 95.4528% | 830 |
| Net loans and leases to core deposits | 100.2917% | 1,418 |
| Total domestic deposits to total assets | 85.9800% | 2,026 |
| Equity capital to assets | 8.1889% | 3,288 |
| Core capital (leverage) ratio | 7.7587% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8022% | 2,304 |
| Memoranda: | ||
| Average total assets | $951,552,600 | 1,026 |
| Average earning assets | $934,897,400 | 970 |
| Average equity | $74,564,000 | 1,187 |
| Average total loans | $754,463,000 | 905 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4718% | 2,965 |
| Cost of funding earning assets | 2.3449% | 370 |
| Net interest margin | 2.1269% | 4,395 |
| Noninterest income to average assets | 1.5900% | 370 |
| Noninterest expense to average assets | 2.1100% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5739% | 974 |
| Return on assets (ROA) | 1.5717% | 971 |
| Pretax return on assets | 1.5717% | 1,416 |
| Return on Equity (ROE) | 20.2800% | 700 |
| Retained earnings to average equity (ytd only) | -0.9813% | 4,249 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.2755% | 3,285 |
| Assets per employee ($millions) | 17.3535% | 134 |
| Cash dividends to net income (ytd only)* | 104.8394% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,300 |
| Loan loss allowance to noncurrent loans | 2,744.6429% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,532 |
| Noncurrent loans to loans | 0.0369% | 3,502 |
| Net loans and leases to total assets | 73.3100% | 1,434 |
| Net loans and leases to deposits | 82.8644% | 1,836 |
| Net loans and leases to core deposits | 104.0188% | 1,121 |
| Total domestic deposits to total assets | 88.4700% | 1,420 |
| Equity capital to assets | 7.1567% | 3,536 |
| Core capital (leverage) ratio | 7.4370% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5373% | 2,435 |
| Memoranda: | ||
| Average total assets | $958,850,500 | 1,025 |
| Average earning assets | $943,258,500 | 959 |
| Average equity | $74,322,250 | 1,186 |
| Average total loans | $751,954,000 | 910 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 3,103 |
| Cost of funding earning assets | 1.9579% | 543 |
| Net interest margin | 2.3396% | 4,340 |
| Noninterest income to average assets | 1.5900% | 306 |
| Noninterest expense to average assets | 1.8982% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9975% | 469 |
| Return on assets (ROA) | 1.9975% | 467 |
| Pretax return on assets | 1.9975% | 754 |
| Return on Equity (ROE) | 25.0700% | 379 |
| Retained earnings to average equity (ytd only) | 1.2321% | 3,868 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.7264% | 4,020 |
| Assets per employee ($millions) | 16.9112% | 144 |
| Cash dividends to net income (ytd only)* | 95.0855% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,506 |
| Loan loss allowance to noncurrent loans | 2,744.6429% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,500 |
| Noncurrent loans to loans | 0.0357% | 3,481 |
| Net loans and leases to total assets | 79.2600% | 706 |
| Net loans and leases to deposits | 90.0648% | 1,180 |
| Net loans and leases to core deposits | 116.8914% | 607 |
| Total domestic deposits to total assets | 88.0000% | 1,602 |
| Equity capital to assets | 7.6211% | 3,457 |
| Core capital (leverage) ratio | 8.1952% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2898% | 2,538 |
| Memoranda: | ||
| Average total assets | $937,182,333 | 1,035 |
| Average earning assets | $922,220,667 | 968 |
| Average equity | $74,671,667 | 1,175 |
| Average total loans | $749,842,667 | 895 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,133 |
| Cost of funding earning assets | 1.5108% | 826 |
| Net interest margin | 2.6418% | 4,163 |
| Noninterest income to average assets | 1.7000% | 289 |
| Noninterest expense to average assets | 1.8992% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4052% | 277 |
| Return on assets (ROA) | 2.4087% | 271 |
| Pretax return on assets | 2.4087% | 406 |
| Return on Equity (ROE) | 29.5400% | 244 |
| Retained earnings to average equity (ytd only) | 2.7441% | 3,561 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.1218% | 4,297 |
| Assets per employee ($millions) | 17.2063% | 141 |
| Cash dividends to net income (ytd only)* | 90.7112% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,332 |
| Loan loss allowance to noncurrent loans | 2,744.6429% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,473 |
| Noncurrent loans to loans | 0.0380% | 3,475 |
| Net loans and leases to total assets | 80.0100% | 543 |
| Net loans and leases to deposits | 91.1747% | 967 |
| Net loans and leases to core deposits | 100.0874% | 1,083 |
| Total domestic deposits to total assets | 87.7500% | 2,006 |
| Equity capital to assets | 8.2267% | 3,095 |
| Core capital (leverage) ratio | 8.6322% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9965% | 2,390 |
| Memoranda: | ||
| Average total assets | $915,348,000 | 1,081 |
| Average earning assets | $901,518,000 | 1,010 |
| Average equity | $74,631,500 | 1,187 |
| Average total loans | $732,230,000 | 927 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 3,882 |
| Cost of funding earning assets | 0.4012% | 2,092 |
| Net interest margin | 2.7619% | 3,954 |
| Noninterest income to average assets | 1.3100% | 406 |
| Noninterest expense to average assets | 1.7079% | 4,163 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.3043% | 183 |
| Return on assets (ROA) | 2.1242% | 230 |
| Pretax return on assets | 2.1242% | 363 |
| Return on Equity (ROE) | 27.4700% | 152 |
| Retained earnings to average equity (ytd only) | 11.3234% | 822 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.4516% | 4,477 |
| Assets per employee ($millions) | 17.3351% | 134 |
| Cash dividends to net income (ytd only)* | 58.7814% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,090 |
| Loan loss allowance to noncurrent loans | 2,744.6429% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,505 |
| Noncurrent loans to loans | 0.0385% | 3,499 |
| Net loans and leases to total assets | 78.3100% | 769 |
| Net loans and leases to deposits | 85.6010% | 1,347 |
| Net loans and leases to core deposits | 99.4195% | 1,032 |
| Total domestic deposits to total assets | 91.4800% | 785 |
| Equity capital to assets | 8.0806% | 3,013 |
| Core capital (leverage) ratio | 8.7792% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5521% | 2,151 |
| Memoranda: | ||
| Average total assets | $921,022,600 | 1,049 |
| Average earning assets | $905,985,000 | 990 |
| Average equity | $71,215,400 | 1,230 |
| Average total loans | $697,894,400 | 911 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9361% | 4,005 |
| Cost of funding earning assets | 0.2330% | 2,896 |
| Net interest margin | 2.7032% | 3,919 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 1.7108% | 4,131 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 2.2221% | 209 |
| Return on assets (ROA) | 2.2126% | 206 |
| Pretax return on assets | 2.2126% | 316 |
| Return on Equity (ROE) | 28.9400% | 115 |
| Retained earnings to average equity (ytd only) | 15.2217% | 342 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.3388% | 4,483 |
| Assets per employee ($millions) | 15.7068% | 177 |
| Cash dividends to net income (ytd only)* | 47.4042% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,034 |
| Loan loss allowance to noncurrent loans | 188.2194% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,099 |
| Noncurrent loans to loans | 0.5824% | 1,379 |
| Net loans and leases to total assets | 84.8900% | 193 |
| Net loans and leases to deposits | 95.3436% | 585 |
| Net loans and leases to core deposits | 102.1204% | 739 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 8.8471% | 2,323 |
| Core capital (leverage) ratio | 8.5856% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8114% | 2,126 |
| Memoranda: | ||
| Average total assets | $921,588,250 | 1,060 |
| Average earning assets | $905,388,000 | 997 |
| Average equity | $70,459,000 | 1,255 |
| Average total loans | $690,577,500 | 917 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6356% | 4,237 |
| Cost of funding earning assets | 0.1919% | 3,025 |
| Net interest margin | 2.4436% | 4,171 |
| Noninterest income to average assets | 1.2654% | 443 |
| Noninterest expense to average assets | 1.6311% | 4,258 |
| Loan and lease loss provision to assets | 0.0211% | 2,222 |
| Net operating income to assets | 2.0116% | 225 |
| Return on assets (ROA) | 2.0026% | 229 |
| Pretax return on assets | 2.0026% | 378 |
| Return on Equity (ROE) | 27.4209% | 80 |
| Retained earnings to average equity (ytd only) | 18.8322% | 97 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5186% | 4,508 |
| Assets per employee ($millions) | 19.2255% | 109 |
| Cash dividends to net income (ytd only)* | 31.3218% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,164 |
| Loan loss allowance to noncurrent loans | 1,237.5201% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,288 |
| Noncurrent loans to loans | 0.0889% | 3,330 |
| Net loans and leases to total assets | 76.4679% | 686 |
| Net loans and leases to deposits | 83.3542% | 1,163 |
| Net loans and leases to core deposits | 88.6345% | 1,191 |
| Total domestic deposits to total assets | 91.7385% | 951 |
| Equity capital to assets | 8.0154% | 3,116 |
| Core capital (leverage) ratio | 7.8204% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9227% | 2,525 |
| Memoranda: | ||
| Average total assets | $956,533,000 | 1,027 |
| Average earning assets | $938,847,000 | 971 |
| Average equity | $69,859,000 | 1,293 |
| Average total loans | $687,083,333 | 905 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4412% | 4,336 |
| Cost of funding earning assets | 0.1906% | 2,937 |
| Net interest margin | 2.2506% | 4,293 |
| Noninterest income to average assets | 1.2509% | 452 |
| Noninterest expense to average assets | 1.6090% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8759% | 287 |
| Return on assets (ROA) | 1.8657% | 288 |
| Pretax return on assets | 1.8657% | 473 |
| Return on Equity (ROE) | 26.7444% | 80 |
| Retained earnings to average equity (ytd only) | 9.2454% | 1,204 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1700% | 4,489 |
| Assets per employee ($millions) | 18.7494% | 119 |
| Cash dividends to net income (ytd only)* | 65.4308% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,212 |
| Loan loss allowance to noncurrent loans | 1,221.2560% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,439 |
| Noncurrent loans to loans | 0.0923% | 3,379 |
| Net loans and leases to total assets | 66.9752% | 1,311 |
| Net loans and leases to deposits | 72.0781% | 1,771 |
| Net loans and leases to core deposits | 76.1252% | 1,776 |
| Total domestic deposits to total assets | 92.9203% | 291 |
| Equity capital to assets | 6.8845% | 4,270 |
| Core capital (leverage) ratio | 7.1857% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1992% | 2,527 |
| Memoranda: | ||
| Average total assets | $983,000,000 | 994 |
| Average earning assets | $975,758,000 | 936 |
| Average equity | $68,575,000 | 1,353 |
| Average total loans | $681,301,000 | 901 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7203% | 4,294 |
| Cost of funding earning assets | 0.2181% | 3,280 |
| Net interest margin | 2.5022% | 4,186 |
| Noninterest income to average assets | 1.4590% | 527 |
| Noninterest expense to average assets | 1.7772% | 4,179 |
| Loan and lease loss provision to assets | 0.1273% | 961 |
| Net operating income to assets | 2.0357% | 320 |
| Return on assets (ROA) | 2.0337% | 336 |
| Pretax return on assets | 2.0337% | 569 |
| Return on Equity (ROE) | 26.9545% | 95 |
| Retained earnings to average equity (ytd only) | 12.8523% | 413 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1052% | 4,534 |
| Assets per employee ($millions) | 19.4456% | 112 |
| Cash dividends to net income (ytd only)* | 52.3184% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,354 |
| Loan loss allowance to noncurrent loans | 2,851.1278% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,854 |
| Noncurrent loans to loans | 0.0386% | 3,802 |
| Net loans and leases to total assets | 70.1329% | 1,029 |
| Net loans and leases to deposits | 75.5889% | 1,597 |
| Net loans and leases to core deposits | 79.9361% | 1,603 |
| Total domestic deposits to total assets | 92.7820% | 64 |
| Equity capital to assets | 7.0697% | 4,707 |
| Core capital (leverage) ratio | 8.1984% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8934% | 2,666 |
| Memoranda: | ||
| Average total assets | $831,403,200 | 1,114 |
| Average earning assets | $824,442,000 | 1,055 |
| Average equity | $62,728,000 | 1,464 |
| Average total loans | $644,051,800 | 941 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7803% | 4,322 |
| Cost of funding earning assets | 0.2330% | 3,289 |
| Net interest margin | 2.5473% | 4,209 |
| Noninterest income to average assets | 1.4884% | 554 |
| Noninterest expense to average assets | 1.8295% | 4,108 |
| Loan and lease loss provision to assets | 0.0531% | 1,922 |
| Net operating income to assets | 2.1306% | 374 |
| Return on assets (ROA) | 2.1288% | 395 |
| Pretax return on assets | 2.1288% | 646 |
| Return on Equity (ROE) | 27.6826% | 118 |
| Retained earnings to average equity (ytd only) | 16.0408% | 300 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5873% | 4,524 |
| Assets per employee ($millions) | 16.3313% | 161 |
| Cash dividends to net income (ytd only)* | 42.0548% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,761 |
| Loan loss allowance to noncurrent loans | 1,710.7500% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,831 |
| Noncurrent loans to loans | 0.0599% | 3,801 |
| Net loans and leases to total assets | 79.4149% | 325 |
| Net loans and leases to deposits | 86.7360% | 783 |
| Net loans and leases to core deposits | 95.8827% | 750 |
| Total domestic deposits to total assets | 91.5593% | 226 |
| Equity capital to assets | 8.1973% | 4,409 |
| Core capital (leverage) ratio | 8.1932% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4152% | 2,575 |
| Memoranda: | ||
| Average total assets | $796,184,000 | 1,177 |
| Average earning assets | $789,164,250 | 1,113 |
| Average equity | $61,225,750 | 1,512 |
| Average total loans | $632,696,750 | 975 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7666% | 4,392 |
| Cost of funding earning assets | 0.2293% | 3,470 |
| Net interest margin | 2.5373% | 4,263 |
| Noninterest income to average assets | 1.4358% | 590 |
| Noninterest expense to average assets | 1.8348% | 4,111 |
| Loan and lease loss provision to assets | 0.0235% | 2,500 |
| Net operating income to assets | 2.0930% | 411 |
| Return on assets (ROA) | 2.0907% | 433 |
| Pretax return on assets | 2.0907% | 696 |
| Return on Equity (ROE) | 27.8382% | 130 |
| Retained earnings to average equity (ytd only) | 19.8689% | 162 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4360% | 4,494 |
| Assets per employee ($millions) | 17.4139% | 141 |
| Cash dividends to net income (ytd only)* | 28.6272% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.8438% | 689 |
| Net loans and leases to deposits | 81.2498% | 1,298 |
| Net loans and leases to core deposits | 89.4958% | 1,175 |
| Total domestic deposits to total assets | 92.1156% | 108 |
| Equity capital to assets | 7.6793% | 4,684 |
| Core capital (leverage) ratio | 8.0595% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3619% | 2,593 |
| Memoranda: | ||
| Average total assets | $783,947,333 | 1,182 |
| Average earning assets | $777,212,000 | 1,122 |
| Average equity | $58,876,000 | 1,550 |
| Average total loans | $620,834,000 | 990 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8626% | 4,301 |
| Cost of funding earning assets | 0.2185% | 3,738 |
| Net interest margin | 2.6441% | 4,064 |
| Noninterest income to average assets | 1.4724% | 621 |
| Noninterest expense to average assets | 1.9390% | 3,887 |
| Loan and lease loss provision to assets | 0.0497% | 2,096 |
| Net operating income to assets | 2.1049% | 488 |
| Return on assets (ROA) | 2.0995% | 532 |
| Pretax return on assets | 2.0995% | 809 |
| Return on Equity (ROE) | 28.3296% | 174 |
| Retained earnings to average equity (ytd only) | 11.2313% | 1,338 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3677% | 4,379 |
| Assets per employee ($millions) | 15.8486% | 171 |
| Cash dividends to net income (ytd only)* | 60.3550% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,591 |
| Loan loss allowance to noncurrent loans | 264.8259% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 2,537 |
| Noncurrent loans to loans | 0.4026% | 2,659 |
| Net loans and leases to total assets | 79.0807% | 394 |
| Net loans and leases to deposits | 85.4799% | 997 |
| Net loans and leases to core deposits | 95.3178% | 915 |
| Total domestic deposits to total assets | 92.5138% | 68 |
| Equity capital to assets | 7.3019% | 4,776 |
| Core capital (leverage) ratio | 7.7382% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1209% | 2,905 |
| Memoranda: | ||
| Average total assets | $740,573,500 | 1,232 |
| Average earning assets | $734,161,500 | 1,162 |
| Average equity | $54,882,500 | 1,636 |
| Average total loans | $602,111,500 | 1,028 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 4,405 |
| Cost of funding earning assets | 0.3407% | 3,921 |
| Net interest margin | 2.9017% | 4,102 |
| Noninterest income to average assets | 1.6672% | 451 |
| Noninterest expense to average assets | 2.1431% | 3,845 |
| Loan and lease loss provision to assets | 0.3610% | 932 |
| Net operating income to assets | 2.0364% | 248 |
| Return on assets (ROA) | 2.1454% | 215 |
| Pretax return on assets | 2.1454% | 333 |
| Return on Equity (ROE) | 24.8981% | 112 |
| Retained earnings to average equity (ytd only) | 2.9514% | 3,388 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1994% | 4,666 |
| Assets per employee ($millions) | 14.3789% | 202 |
| Cash dividends to net income (ytd only)* | 88.1459% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,375 |
| Loan loss allowance to noncurrent loans | 221.2203% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 2,326 |
| Noncurrent loans to loans | 0.5056% | 2,458 |
| Net loans and leases to total assets | 81.8877% | 302 |
| Net loans and leases to deposits | 88.8874% | 1,011 |
| Net loans and leases to core deposits | 95.5535% | 1,150 |
| Total domestic deposits to total assets | 92.1252% | 59 |
| Equity capital to assets | 7.5309% | 4,837 |
| Core capital (leverage) ratio | 7.7677% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0112% | 2,919 |
| Memoranda: | ||
| Average total assets | $604,351,800 | 1,323 |
| Average earning assets | $598,435,400 | 1,269 |
| Average equity | $52,076,200 | 1,628 |
| Average total loans | $497,329,800 | 1,144 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3329% | 4,433 |
| Cost of funding earning assets | 0.3802% | 3,915 |
| Net interest margin | 2.9527% | 4,079 |
| Noninterest income to average assets | 1.6583% | 432 |
| Noninterest expense to average assets | 2.1448% | 3,833 |
| Loan and lease loss provision to assets | 0.3584% | 1,049 |
| Net operating income to assets | 2.0779% | 252 |
| Return on assets (ROA) | 2.2300% | 210 |
| Pretax return on assets | 2.2300% | 321 |
| Return on Equity (ROE) | 24.9243% | 121 |
| Retained earnings to average equity (ytd only) | 2.8554% | 3,578 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8197% | 4,673 |
| Assets per employee ($millions) | 13.2108% | 242 |
| Cash dividends to net income (ytd only)* | 88.5437% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,083 |
| Loan loss allowance to noncurrent loans | 2,161.5385% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,228 |
| Noncurrent loans to loans | 0.0519% | 4,163 |
| Net loans and leases to total assets | 83.6945% | 303 |
| Net loans and leases to deposits | 94.1799% | 911 |
| Net loans and leases to core deposits | 99.1583% | 1,224 |
| Total domestic deposits to total assets | 88.8666% | 829 |
| Equity capital to assets | 8.4910% | 4,468 |
| Core capital (leverage) ratio | 8.3604% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0742% | 2,585 |
| Memoranda: | ||
| Average total assets | $579,298,000 | 1,351 |
| Average earning assets | $573,420,500 | 1,289 |
| Average equity | $51,830,250 | 1,624 |
| Average total loans | $475,792,250 | 1,183 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 4,521 |
| Cost of funding earning assets | 0.4370% | 3,858 |
| Net interest margin | 2.9813% | 4,170 |
| Noninterest income to average assets | 1.7053% | 365 |
| Noninterest expense to average assets | 2.2075% | 3,758 |
| Loan and lease loss provision to assets | 0.4421% | 872 |
| Net operating income to assets | 2.0066% | 332 |
| Return on assets (ROA) | 2.2404% | 231 |
| Pretax return on assets | 2.2404% | 338 |
| Return on Equity (ROE) | 24.5821% | 118 |
| Retained earnings to average equity (ytd only) | 2.9301% | 3,418 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4096% | 4,663 |
| Assets per employee ($millions) | 12.4081% | 289 |
| Cash dividends to net income (ytd only)* | 88.0802% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,876 |
| Loan loss allowance to noncurrent loans | 2,049.0842% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,298 |
| Noncurrent loans to loans | 0.0552% | 4,258 |
| Net loans and leases to total assets | 83.9027% | 261 |
| Net loans and leases to deposits | 92.4063% | 1,112 |
| Net loans and leases to core deposits | 96.1467% | 1,569 |
| Total domestic deposits to total assets | 90.7976% | 197 |
| Equity capital to assets | 8.9672% | 4,120 |
| Core capital (leverage) ratio | 8.4162% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7143% | 2,306 |
| Memoranda: | ||
| Average total assets | $565,428,667 | 1,361 |
| Average earning assets | $559,688,333 | 1,299 |
| Average equity | $51,533,333 | 1,622 |
| Average total loans | $459,201,333 | 1,195 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,504 |
| Cost of funding earning assets | 0.5424% | 3,730 |
| Net interest margin | 3.0699% | 4,160 |
| Noninterest income to average assets | 1.6566% | 330 |
| Noninterest expense to average assets | 2.4070% | 3,527 |
| Loan and lease loss provision to assets | 0.3062% | 1,014 |
| Net operating income to assets | 1.9822% | 279 |
| Return on assets (ROA) | 1.9887% | 302 |
| Pretax return on assets | 1.9887% | 456 |
| Return on Equity (ROE) | 21.6373% | 122 |
| Retained earnings to average equity (ytd only) | -3.6049% | 4,408 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2628% | 4,595 |
| Assets per employee ($millions) | 12.4628% | 215 |
| Cash dividends to net income (ytd only)* | 116.6606% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,382 |
| Loan loss allowance to noncurrent loans | 1,747.2527% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,357 |
| Noncurrent loans to loans | 0.0609% | 4,299 |
| Net loans and leases to total assets | 79.0890% | 811 |
| Net loans and leases to deposits | 87.1660% | 1,843 |
| Net loans and leases to core deposits | 90.7035% | 2,276 |
| Total domestic deposits to total assets | 90.7337% | 143 |
| Equity capital to assets | 9.0336% | 4,584 |
| Core capital (leverage) ratio | 9.0189% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5538% | 2,055 |
| Memoranda: | ||
| Average total assets | $556,551,500 | 1,341 |
| Average earning assets | $550,893,000 | 1,265 |
| Average equity | $51,152,500 | 1,621 |
| Average total loans | $441,352,000 | 1,204 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 4,692 |
| Cost of funding earning assets | 0.6898% | 3,211 |
| Net interest margin | 2.9947% | 4,518 |
| Noninterest income to average assets | 1.6813% | 342 |
| Noninterest expense to average assets | 2.0649% | 4,413 |
| Loan and lease loss provision to assets | 0.0133% | 3,750 |
| Net operating income to assets | 2.5722% | 124 |
| Return on assets (ROA) | 2.5751% | 129 |
| Pretax return on assets | 2.5751% | 183 |
| Return on Equity (ROE) | 28.4545% | 46 |
| Retained earnings to average equity (ytd only) | 6.8080% | 1,480 |
| Net charge-offs to loans | 0.0157% | 3,157 |
| Credit loss provision to net charge-offs | 114.0625% | 2,203 |
| Earnings coverage of net charge-offs (x) | 222.4063% | 367 |
| Efficiency ratio | 44.4028% | 4,964 |
| Assets per employee ($millions) | 13.1494% | 177 |
| Cash dividends to net income (ytd only)* | 76.0739% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,514 |
| Loan loss allowance to noncurrent loans | 8,688.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,628 |
| Noncurrent loans to loans | 0.0115% | 4,542 |
| Net loans and leases to total assets | 77.8665% | 1,101 |
| Net loans and leases to deposits | 86.2086% | 2,060 |
| Net loans and leases to core deposits | 89.7045% | 2,454 |
| Total domestic deposits to total assets | 90.3233% | 231 |
| Equity capital to assets | 9.3508% | 4,458 |
| Core capital (leverage) ratio | 9.1243% | 4,427 |
| Tier 1 risk-based capital ratio | 14.0589% | 3,239 |
| Total risk-based capital ratio | 15.2834% | 3,161 |
| Memoranda: | ||
| Average total assets | $550,542,400 | 1,303 |
| Average earning assets | $545,835,000 | 1,244 |
| Average equity | $49,823,400 | 1,610 |
| Average total loans | $408,617,200 | 1,247 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,796 |
| Cost of funding earning assets | 0.7162% | 3,130 |
| Net interest margin | 2.9706% | 4,663 |
| Noninterest income to average assets | 1.6035% | 361 |
| Noninterest expense to average assets | 2.0391% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5110% | 159 |
| Return on assets (ROA) | 2.5156% | 166 |
| Pretax return on assets | 2.5156% | 239 |
| Return on Equity (ROE) | 28.0305% | 50 |
| Retained earnings to average equity (ytd only) | 7.9617% | 1,415 |
| Net charge-offs to loans | 0.0212% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 161.8773% | 513 |
| Efficiency ratio | 44.8144% | 4,980 |
| Assets per employee ($millions) | 13.2116% | 162 |
| Cash dividends to net income (ytd only)* | 71.5965% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,340 |
| 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 | 74.9187% | 1,663 |
| Net loans and leases to deposits | 83.0212% | 2,562 |
| Net loans and leases to core deposits | 86.6754% | 2,851 |
| Total domestic deposits to total assets | 90.2404% | 230 |
| Equity capital to assets | 9.4941% | 4,458 |
| Core capital (leverage) ratio | 9.1904% | 4,484 |
| Tier 1 risk-based capital ratio | 14.8365% | 2,931 |
| Total risk-based capital ratio | 16.0867% | 2,856 |
| Memoranda: | ||
| Average total assets | $550,109,250 | 1,310 |
| Average earning assets | $545,648,250 | 1,244 |
| Average equity | $49,368,750 | 1,625 |
| Average total loans | $402,176,250 | 1,271 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 4,923 |
| Cost of funding earning assets | 0.7166% | 3,073 |
| Net interest margin | 2.8957% | 4,825 |
| Noninterest income to average assets | 1.4780% | 410 |
| Noninterest expense to average assets | 2.0292% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3222% | 205 |
| Return on assets (ROA) | 2.3266% | 212 |
| Pretax return on assets | 2.3266% | 337 |
| Return on Equity (ROE) | 26.4242% | 71 |
| Retained earnings to average equity (ytd only) | 7.7071% | 1,519 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6334% | 4,963 |
| Assets per employee ($millions) | 13.9262% | 130 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,149 |
| Loan loss allowance to noncurrent loans | 1,734.0000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,551 |
| Noncurrent loans to loans | 0.0626% | 4,405 |
| Net loans and leases to total assets | 69.2218% | 2,641 |
| Net loans and leases to deposits | 76.0628% | 3,327 |
| Net loans and leases to core deposits | 79.0486% | 3,504 |
| Total domestic deposits to total assets | 91.0061% | 106 |
| Equity capital to assets | 8.7885% | 4,905 |
| Core capital (leverage) ratio | 8.9144% | 4,699 |
| Tier 1 risk-based capital ratio | 14.9367% | 2,877 |
| Total risk-based capital ratio | 16.1877% | 2,791 |
| Memoranda: | ||
| Average total assets | $552,921,000 | 1,308 |
| Average earning assets | $548,668,000 | 1,237 |
| Average equity | $48,682,670 | 1,637 |
| Average total loans | $399,539,670 | 1,275 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 4,972 |
| Cost of funding earning assets | 0.7260% | 2,912 |
| Net interest margin | 2.8654% | 4,920 |
| Noninterest income to average assets | 1.4091% | 432 |
| Noninterest expense to average assets | 2.0166% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2372% | 255 |
| Return on assets (ROA) | 2.2416% | 263 |
| Pretax return on assets | 2.2416% | 406 |
| Return on Equity (ROE) | 25.4350% | 94 |
| Retained earnings to average equity (ytd only) | 9.0374% | 1,308 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4066% | 4,968 |
| Assets per employee ($millions) | 13.9487% | 130 |
| Cash dividends to net income (ytd only)* | 64.4685% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,393.8907% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,547 |
| Noncurrent loans to loans | 0.0797% | 4,406 |
| Net loans and leases to total assets | 67.4781% | 2,828 |
| Net loans and leases to deposits | 73.9014% | 3,461 |
| Net loans and leases to core deposits | 79.4893% | 3,411 |
| Total domestic deposits to total assets | 91.3084% | 117 |
| Equity capital to assets | 8.5059% | 4,984 |
| Core capital (leverage) ratio | 9.3009% | 4,360 |
| Tier 1 risk-based capital ratio | 15.3207% | 2,744 |
| Total risk-based capital ratio | 16.5727% | 2,653 |
| Memoranda: | ||
| Average total assets | $543,893,500 | 1,328 |
| Average earning assets | $539,955,000 | 1,257 |
| Average equity | $47,934,000 | 1,644 |
| Average total loans | $399,522,000 | 1,279 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 4,966 |
| Cost of funding earning assets | 0.5450% | 3,082 |
| Net interest margin | 2.9027% | 4,916 |
| Noninterest income to average assets | 1.2742% | 579 |
| Noninterest expense to average assets | 1.8726% | 4,928 |
| Loan and lease loss provision to assets | 0.0575% | 3,012 |
| Net operating income to assets | 2.2123% | 245 |
| Return on assets (ROA) | 1.7968% | 547 |
| Pretax return on assets | 1.7968% | 931 |
| Return on Equity (ROE) | 21.4169% | 178 |
| Retained earnings to average equity (ytd only) | 3.2899% | 3,762 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2054% | 5,143 |
| Assets per employee ($millions) | 12.8973% | 164 |
| Cash dividends to net income (ytd only)* | 84.6388% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,321 |
| Loan loss allowance to noncurrent loans | 1,389.4231% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 4,536 |
| Noncurrent loans to loans | 0.0763% | 4,414 |
| Net loans and leases to total assets | 78.4021% | 1,199 |
| Net loans and leases to deposits | 86.5719% | 2,210 |
| Net loans and leases to core deposits | 93.5827% | 2,265 |
| Total domestic deposits to total assets | 90.5629% | 306 |
| Equity capital to assets | 9.1537% | 4,445 |
| Core capital (leverage) ratio | 9.2457% | 4,402 |
| Tier 1 risk-based capital ratio | 14.4366% | 3,093 |
| Total risk-based capital ratio | 15.6880% | 3,006 |
| Memoranda: | ||
| Average total assets | $547,809,000 | 1,299 |
| Average earning assets | $541,294,600 | 1,229 |
| Average equity | $45,959,000 | 1,637 |
| Average total loans | $406,366,400 | 1,242 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,046 |
| Cost of funding earning assets | 0.4919% | 3,253 |
| Net interest margin | 2.8969% | 4,979 |
| Noninterest income to average assets | 1.2770% | 594 |
| Noninterest expense to average assets | 1.8544% | 4,969 |
| Loan and lease loss provision to assets | 0.0156% | 3,701 |
| Net operating income to assets | 2.2663% | 244 |
| Return on assets (ROA) | 1.8899% | 500 |
| Pretax return on assets | 1.8899% | 834 |
| Return on Equity (ROE) | 23.0128% | 132 |
| Retained earnings to average equity (ytd only) | 4.3671% | 3,574 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8324% | 5,191 |
| Assets per employee ($millions) | 13.5282% | 137 |
| Cash dividends to net income (ytd only)* | 81.0230% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,844 |
| Loan loss allowance to noncurrent loans | 1,305.1118% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 4,684 |
| Noncurrent loans to loans | 0.0757% | 4,540 |
| Net loans and leases to total assets | 75.6339% | 1,713 |
| Net loans and leases to deposits | 96.6235% | 1,081 |
| Net loans and leases to core deposits | 100.2297% | 1,772 |
| Total domestic deposits to total assets | 78.2769% | 4,445 |
| Equity capital to assets | 8.5309% | 4,907 |
| Core capital (leverage) ratio | 8.8335% | 4,861 |
| Tier 1 risk-based capital ratio | 13.6881% | 3,522 |
| Total risk-based capital ratio | 14.8914% | 3,463 |
| Memoranda: | ||
| Average total assets | $555,788,250 | 1,279 |
| Average earning assets | $548,564,000 | 1,221 |
| Average equity | $45,643,000 | 1,647 |
| Average total loans | $405,756,750 | 1,240 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 5,090 |
| Cost of funding earning assets | 0.4218% | 3,558 |
| Net interest margin | 2.9297% | 4,974 |
| Noninterest income to average assets | 1.2410% | 627 |
| Noninterest expense to average assets | 1.8367% | 5,052 |
| Loan and lease loss provision to assets | 0.0232% | 3,457 |
| Net operating income to assets | 2.2726% | 223 |
| Return on assets (ROA) | 2.1150% | 299 |
| Pretax return on assets | 2.1150% | 475 |
| Return on Equity (ROE) | 26.0789% | 63 |
| Retained earnings to average equity (ytd only) | 8.4672% | 1,419 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4454% | 5,267 |
| Assets per employee ($millions) | 13.5651% | 132 |
| Cash dividends to net income (ytd only)* | 67.5325% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 3,914 |
| Loan loss allowance to noncurrent loans | 1,300.9554% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,742 |
| Noncurrent loans to loans | 0.0761% | 4,581 |
| Net loans and leases to total assets | 73.4783% | 2,038 |
| Net loans and leases to deposits | 90.3840% | 1,790 |
| Net loans and leases to core deposits | 92.6056% | 2,345 |
| Total domestic deposits to total assets | 81.2958% | 3,918 |
| Equity capital to assets | 8.2353% | 5,113 |
| Core capital (leverage) ratio | 8.3299% | 5,197 |
| Tier 1 risk-based capital ratio | 13.9255% | 3,394 |
| Total risk-based capital ratio | 15.1385% | 3,326 |
| Memoranda: | ||
| Average total assets | $560,674,670 | 1,269 |
| Average earning assets | $553,376,000 | 1,211 |
| Average equity | $45,469,670 | 1,656 |
| Average total loans | $403,221,670 | 1,247 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 5,209 |
| Cost of funding earning assets | 0.3095% | 4,271 |
| Net interest margin | 2.9205% | 4,995 |
| Noninterest income to average assets | 1.1724% | 669 |
| Noninterest expense to average assets | 1.8326% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2234% | 237 |
| Return on assets (ROA) | 2.2234% | 236 |
| Pretax return on assets | 2.2234% | 361 |
| Return on Equity (ROE) | 27.6270% | 60 |
| Retained earnings to average equity (ytd only) | 15.7604% | 261 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1822% | 5,310 |
| Assets per employee ($millions) | 13.7413% | 134 |
| Cash dividends to net income (ytd only)* | 42.9530% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,851 |
| Loan loss allowance to noncurrent loans | 1,279.9363% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,808 |
| Noncurrent loans to loans | 0.0795% | 4,627 |
| Net loans and leases to total assets | 71.0934% | 2,316 |
| Net loans and leases to deposits | 82.0833% | 2,582 |
| Net loans and leases to core deposits | 84.1303% | 2,970 |
| Total domestic deposits to total assets | 86.6113% | 2,271 |
| Equity capital to assets | 8.2958% | 5,109 |
| Core capital (leverage) ratio | 8.3528% | 5,228 |
| Tier 1 risk-based capital ratio | 14.1085% | 3,324 |
| Total risk-based capital ratio | 15.3215% | 3,258 |
| Memoranda: | ||
| Average total assets | $562,928,000 | 1,276 |
| Average earning assets | $555,798,000 | 1,216 |
| Average equity | $45,303,500 | 1,666 |
| Average total loans | $398,458,500 | 1,263 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0083% | 5,350 |
| Cost of funding earning assets | 0.2826% | 4,293 |
| Net interest margin | 2.7257% | 5,253 |
| Noninterest income to average assets | 1.0446% | 929 |
| Noninterest expense to average assets | 1.9559% | 5,036 |
| Loan and lease loss provision to assets | 0.0120% | 4,049 |
| Net operating income to assets | 1.7751% | 452 |
| Return on assets (ROA) | 1.6784% | 565 |
| Pretax return on assets | 1.6784% | 1,062 |
| Return on Equity (ROE) | 22.3542% | 117 |
| Retained earnings to average equity (ytd only) | 6.9358% | 1,105 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2564% | 5,086 |
| Assets per employee ($millions) | 14.7745% | 99 |
| Cash dividends to net income (ytd only)* | 68.9732% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,957 |
| Loan loss allowance to noncurrent loans | 6,183.0769% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,111 |
| Noncurrent loans to loans | 0.0162% | 4,956 |
| Net loans and leases to total assets | 69.0923% | 2,667 |
| Net loans and leases to deposits | 79.3702% | 2,988 |
| Net loans and leases to core deposits | 81.4446% | 3,289 |
| Total domestic deposits to total assets | 87.0506% | 1,970 |
| Equity capital to assets | 7.8113% | 5,457 |
| Core capital (leverage) ratio | 8.0702% | 5,413 |
| Tier 1 risk-based capital ratio | 13.5369% | 3,609 |
| Total risk-based capital ratio | 14.7457% | 3,539 |
| Memoranda: | ||
| Average total assets | $585,498,200 | 1,226 |
| Average earning assets | $579,629,400 | 1,147 |
| Average equity | $43,960,400 | 1,690 |
| Average total loans | $404,100,800 | 1,221 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 5,423 |
| Cost of funding earning assets | 0.2727% | 4,381 |
| Net interest margin | 2.7091% | 5,313 |
| Noninterest income to average assets | 1.0268% | 966 |
| Noninterest expense to average assets | 1.9205% | 5,108 |
| Loan and lease loss provision to assets | 0.0159% | 3,827 |
| Net operating income to assets | 1.7737% | 490 |
| Return on assets (ROA) | 1.7737% | 505 |
| Pretax return on assets | 1.7737% | 949 |
| Return on Equity (ROE) | 23.8600% | 91 |
| Retained earnings to average equity (ytd only) | 8.4853% | 1,023 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7638% | 5,121 |
| Assets per employee ($millions) | 14.2713% | 103 |
| Cash dividends to net income (ytd only)* | 64.4373% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 4,085 |
| Loan loss allowance to noncurrent loans | 344.9785% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 4,270 |
| Noncurrent loans to loans | 0.2889% | 3,905 |
| Net loans and leases to total assets | 69.9251% | 2,567 |
| Net loans and leases to deposits | 83.2733% | 2,629 |
| Net loans and leases to core deposits | 84.7413% | 3,069 |
| Total domestic deposits to total assets | 83.9706% | 3,136 |
| Equity capital to assets | 7.9289% | 5,536 |
| Core capital (leverage) ratio | 7.9472% | 5,527 |
| Tier 1 risk-based capital ratio | 13.1236% | 3,925 |
| Total risk-based capital ratio | 14.2923% | 3,893 |
| Memoranda: | ||
| Average total assets | $587,821,250 | 1,228 |
| Average earning assets | $582,228,500 | 1,150 |
| Average equity | $43,698,250 | 1,717 |
| Average total loans | $404,592,750 | 1,229 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9331% | 5,485 |
| Cost of funding earning assets | 0.2554% | 4,494 |
| Net interest margin | 2.6777% | 5,383 |
| Noninterest income to average assets | 1.0171% | 981 |
| Noninterest expense to average assets | 1.8990% | 5,186 |
| Loan and lease loss provision to assets | 0.0118% | 3,721 |
| Net operating income to assets | 1.7601% | 488 |
| Return on assets (ROA) | 1.7601% | 499 |
| Pretax return on assets | 1.7601% | 921 |
| Return on Equity (ROE) | 24.1934% | 89 |
| Retained earnings to average equity (ytd only) | 9.1345% | 800 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7305% | 5,200 |
| Assets per employee ($millions) | 14.0238% | 107 |
| Cash dividends to net income (ytd only)* | 62.2439% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 4,096 |
| Loan loss allowance to noncurrent loans | 6,036.3636% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,250 |
| Noncurrent loans to loans | 0.0167% | 5,106 |
| Net loans and leases to total assets | 69.7545% | 2,560 |
| Net loans and leases to deposits | 82.2336% | 2,677 |
| Net loans and leases to core deposits | 84.0509% | 3,062 |
| Total domestic deposits to total assets | 84.8247% | 2,879 |
| Equity capital to assets | 7.9435% | 5,561 |
| Core capital (leverage) ratio | 7.5255% | 5,652 |
| Tier 1 risk-based capital ratio | 13.1776% | 3,900 |
| Total risk-based capital ratio | 14.3620% | 3,847 |
| Memoranda: | ||
| Average total assets | $593,478,000 | 1,215 |
| Average earning assets | $588,192,000 | 1,142 |
| Average equity | $43,177,000 | 1,733 |
| Average total loans | $405,061,330 | 1,235 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8344% | 5,581 |
| Cost of funding earning assets | 0.2441% | 4,584 |
| Net interest margin | 2.5903% | 5,476 |
| Noninterest income to average assets | 0.9617% | 1,076 |
| Noninterest expense to average assets | 1.8323% | 5,331 |
| Loan and lease loss provision to assets | 0.0230% | 3,283 |
| Net operating income to assets | 1.6755% | 580 |
| Return on assets (ROA) | 1.6755% | 593 |
| Pretax return on assets | 1.6755% | 1,058 |
| Return on Equity (ROE) | 24.0456% | 105 |
| Retained earnings to average equity (ytd only) | 9.5467% | 913 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8952% | 5,273 |
| Assets per employee ($millions) | 16.5243% | 66 |
| Cash dividends to net income (ytd only)* | 60.2976% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 4,446 |
| Loan loss allowance to noncurrent loans | 5,946.2687% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,315 |
| Noncurrent loans to loans | 0.0163% | 5,171 |
| Net loans and leases to total assets | 64.8111% | 3,143 |
| Net loans and leases to deposits | 72.1987% | 3,593 |
| Net loans and leases to core deposits | 73.9141% | 3,842 |
| Total domestic deposits to total assets | 89.7677% | 764 |
| Equity capital to assets | 6.8779% | 5,768 |
| Core capital (leverage) ratio | 7.3319% | 5,731 |
| Tier 1 risk-based capital ratio | 12.3184% | 4,499 |
| Total risk-based capital ratio | 13.4497% | 4,481 |
| Memoranda: | ||
| Average total assets | $609,741,000 | 1,192 |
| Average earning assets | $604,720,000 | 1,122 |
| Average equity | $42,486,000 | 1,758 |
| Average total loans | $409,955,500 | 1,222 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8850% | 5,589 |
| Cost of funding earning assets | 0.2834% | 4,230 |
| Net interest margin | 2.6016% | 5,516 |
| Noninterest income to average assets | 0.9669% | 1,220 |
| Noninterest expense to average assets | 1.9730% | 5,247 |
| Loan and lease loss provision to assets | 0.0316% | 3,723 |
| Net operating income to assets | 1.5400% | 771 |
| Return on assets (ROA) | 1.5476% | 788 |
| Pretax return on assets | 1.5476% | 1,440 |
| Return on Equity (ROE) | 20.8572% | 186 |
| Retained earnings to average equity (ytd only) | 7.2950% | 1,115 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6621% | 5,095 |
| Assets per employee ($millions) | 15.1682% | 81 |
| Cash dividends to net income (ytd only)* | 65.0239% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 4,494 |
| Loan loss allowance to noncurrent loans | 338.3890% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,529 |
| Noncurrent loans to loans | 0.2854% | 4,131 |
| Net loans and leases to total assets | 68.4656% | 2,704 |
| Net loans and leases to deposits | 73.8471% | 3,530 |
| Net loans and leases to core deposits | 77.2372% | 3,630 |
| Total domestic deposits to total assets | 92.7127% | 54 |
| Equity capital to assets | 7.0634% | 5,789 |
| Core capital (leverage) ratio | 7.9195% | 5,654 |
| Tier 1 risk-based capital ratio | 12.5041% | 4,371 |
| Total risk-based capital ratio | 13.6695% | 4,315 |
| Memoranda: | ||
| Average total assets | $553,311,200 | 1,253 |
| Average earning assets | $548,247,000 | 1,172 |
| Average equity | $41,055,400 | 1,804 |
| Average total loans | $397,894,000 | 1,208 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9479% | 5,608 |
| Cost of funding earning assets | 0.2988% | 4,111 |
| Net interest margin | 2.6490% | 5,547 |
| Noninterest income to average assets | 0.9431% | 1,269 |
| Noninterest expense to average assets | 2.0041% | 5,193 |
| Loan and lease loss provision to assets | 0.0429% | 3,372 |
| Net operating income to assets | 1.5195% | 847 |
| Return on assets (ROA) | 1.5298% | 875 |
| Pretax return on assets | 1.5298% | 1,611 |
| Return on Equity (ROE) | 20.3518% | 223 |
| Retained earnings to average equity (ytd only) | 6.8666% | 1,694 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1911% | 5,048 |
| Assets per employee ($millions) | 13.0957% | 127 |
| Cash dividends to net income (ytd only)* | 66.2606% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,370 |
| Loan loss allowance to noncurrent loans | 234.3620% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 4,118 |
| Noncurrent loans to loans | 0.4293% | 3,748 |
| Net loans and leases to total assets | 74.1750% | 1,845 |
| Net loans and leases to deposits | 80.8870% | 2,869 |
| Net loans and leases to core deposits | 83.7709% | 3,149 |
| Total domestic deposits to total assets | 91.7020% | 96 |
| Equity capital to assets | 8.0651% | 5,717 |
| Core capital (leverage) ratio | 7.8742% | 5,730 |
| Tier 1 risk-based capital ratio | 12.6283% | 4,387 |
| Total risk-based capital ratio | 13.8298% | 4,331 |
| Memoranda: | ||
| Average total assets | $543,749,000 | 1,272 |
| Average earning assets | $538,495,000 | 1,195 |
| Average equity | $40,873,250 | 1,826 |
| Average total loans | $395,126,500 | 1,209 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9385% | 5,695 |
| Cost of funding earning assets | 0.3135% | 3,980 |
| Net interest margin | 2.6250% | 5,640 |
| Noninterest income to average assets | 0.9099% | 1,348 |
| Noninterest expense to average assets | 1.9699% | 5,335 |
| Loan and lease loss provision to assets | 0.0636% | 2,875 |
| Net operating income to assets | 1.4746% | 933 |
| Return on assets (ROA) | 1.4899% | 955 |
| Pretax return on assets | 1.4899% | 1,702 |
| Return on Equity (ROE) | 20.2893% | 232 |
| Retained earnings to average equity (ytd only) | 6.7202% | 1,755 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1529% | 5,129 |
| Assets per employee ($millions) | 13.1970% | 120 |
| Cash dividends to net income (ytd only)* | 66.8780% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,615 |
| Loan loss allowance to noncurrent loans | 5,723.1884% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,564 |
| Noncurrent loans to loans | 0.0171% | 5,410 |
| Net loans and leases to total assets | 73.7922% | 1,881 |
| Net loans and leases to deposits | 83.4341% | 2,538 |
| Net loans and leases to core deposits | 86.8833% | 2,828 |
| Total domestic deposits to total assets | 88.4438% | 1,200 |
| Equity capital to assets | 7.6527% | 5,884 |
| Core capital (leverage) ratio | 7.3739% | 5,903 |
| Tier 1 risk-based capital ratio | 12.0744% | 4,782 |
| Total risk-based capital ratio | 13.2439% | 4,744 |
| Memoranda: | ||
| Average total assets | $550,390,000 | 1,267 |
| Average earning assets | $544,759,000 | 1,193 |
| Average equity | $40,415,330 | 1,838 |
| Average total loans | $396,003,000 | 1,215 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9205% | 5,761 |
| Cost of funding earning assets | 0.3339% | 3,785 |
| Net interest margin | 2.5866% | 5,735 |
| Noninterest income to average assets | 0.8951% | 1,323 |
| Noninterest expense to average assets | 1.9263% | 5,485 |
| Loan and lease loss provision to assets | 0.0757% | 2,443 |
| Net operating income to assets | 1.4557% | 928 |
| Return on assets (ROA) | 1.4557% | 973 |
| Pretax return on assets | 1.4557% | 1,735 |
| Return on Equity (ROE) | 20.2407% | 230 |
| Retained earnings to average equity (ytd only) | 6.3327% | 2,217 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7107% | 5,218 |
| Assets per employee ($millions) | 14.2850% | 95 |
| Cash dividends to net income (ytd only)* | 68.7129% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,715 |
| 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 | 68.6076% | 2,560 |
| Net loans and leases to deposits | 73.9845% | 3,437 |
| Net loans and leases to core deposits | 76.7938% | 3,603 |
| Total domestic deposits to total assets | 92.7324% | 57 |
| Equity capital to assets | 7.0893% | 5,999 |
| Core capital (leverage) ratio | 7.1805% | 5,976 |
| Tier 1 risk-based capital ratio | 11.9193% | 4,964 |
| Total risk-based capital ratio | 13.0740% | 4,935 |
| Memoranda: | ||
| Average total assets | $555,047,000 | 1,264 |
| Average earning assets | $549,907,000 | 1,180 |
| Average equity | $39,919,500 | 1,851 |
| Average total loans | $392,394,000 | 1,219 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8105% | 5,870 |
| Cost of funding earning assets | 0.3711% | 3,473 |
| Net interest margin | 2.4394% | 5,870 |
| Noninterest income to average assets | 0.9129% | 1,400 |
| Noninterest expense to average assets | 1.8393% | 5,686 |
| Loan and lease loss provision to assets | 0.0708% | 2,864 |
| Net operating income to assets | 1.4197% | 1,006 |
| Return on assets (ROA) | 1.4557% | 967 |
| Pretax return on assets | 1.4557% | 1,694 |
| Return on Equity (ROE) | 20.0418% | 251 |
| Retained earnings to average equity (ytd only) | 7.1157% | 1,230 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2373% | 5,414 |
| Assets per employee ($millions) | 15.3913% | 75 |
| Cash dividends to net income (ytd only)* | 64.4956% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 4,765 |
| 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 | 71.4898% | 2,139 |
| Net loans and leases to deposits | 79.7421% | 2,849 |
| Net loans and leases to core deposits | 85.1918% | 2,863 |
| Total domestic deposits to total assets | 89.6513% | 778 |
| Equity capital to assets | 7.3012% | 6,007 |
| Core capital (leverage) ratio | 7.2547% | 6,021 |
| Tier 1 risk-based capital ratio | 12.1789% | 4,838 |
| Total risk-based capital ratio | 13.3456% | 4,794 |
| Memoranda: | ||
| Average total assets | $528,409,200 | 1,281 |
| Average earning assets | $523,532,200 | 1,208 |
| Average equity | $38,379,800 | 1,871 |
| Average total loans | $363,578,400 | 1,252 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7795% | 5,972 |
| Cost of funding earning assets | 0.3721% | 3,523 |
| Net interest margin | 2.4075% | 5,972 |
| Noninterest income to average assets | 0.9062% | 1,437 |
| Noninterest expense to average assets | 1.8408% | 5,726 |
| Loan and lease loss provision to assets | 0.0657% | 2,870 |
| Net operating income to assets | 1.3852% | 1,141 |
| Return on assets (ROA) | 1.4245% | 1,101 |
| Pretax return on assets | 1.4245% | 1,918 |
| Return on Equity (ROE) | 19.6384% | 293 |
| Retained earnings to average equity (ytd only) | 6.9039% | 1,735 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9236% | 5,363 |
| Assets per employee ($millions) | 15.9833% | 67 |
| Cash dividends to net income (ytd only)* | 64.8451% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 4,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.6277% | 2,748 |
| Net loans and leases to deposits | 73.0801% | 3,640 |
| Net loans and leases to core deposits | 78.2824% | 3,580 |
| Total domestic deposits to total assets | 92.5391% | 60 |
| Equity capital to assets | 7.2268% | 6,114 |
| Core capital (leverage) ratio | 7.2776% | 6,093 |
| Tier 1 risk-based capital ratio | 12.1197% | 5,013 |
| Total risk-based capital ratio | 13.2376% | 5,011 |
| Memoranda: | ||
| Average total assets | $525,837,750 | 1,292 |
| Average earning assets | $521,031,750 | 1,215 |
| Average equity | $38,142,000 | 1,895 |
| Average total loans | $357,251,500 | 1,275 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7831% | 6,029 |
| Cost of funding earning assets | 0.3744% | 3,557 |
| Net interest margin | 2.4087% | 6,037 |
| Noninterest income to average assets | 0.8950% | 1,457 |
| Noninterest expense to average assets | 1.8536% | 5,777 |
| Loan and lease loss provision to assets | 0.0789% | 2,539 |
| Net operating income to assets | 1.3481% | 1,196 |
| Return on assets (ROA) | 1.4039% | 1,119 |
| Pretax return on assets | 1.4039% | 1,964 |
| Return on Equity (ROE) | 19.3301% | 304 |
| Retained earnings to average equity (ytd only) | 6.8582% | 1,765 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5013% | 5,379 |
| Assets per employee ($millions) | 14.7667% | 78 |
| Cash dividends to net income (ytd only)* | 64.5205% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,933 |
| 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 | 69.0731% | 2,473 |
| Net loans and leases to deposits | 78.0567% | 3,019 |
| Net loans and leases to core deposits | 85.2041% | 2,857 |
| Total domestic deposits to total assets | 88.4909% | 1,415 |
| Equity capital to assets | 7.4060% | 6,128 |
| Core capital (leverage) ratio | 7.2986% | 6,137 |
| Tier 1 risk-based capital ratio | 12.5335% | 4,782 |
| Total risk-based capital ratio | 13.6933% | 4,759 |
| Memoranda: | ||
| Average total assets | $519,972,670 | 1,313 |
| Average earning assets | $514,958,330 | 1,232 |
| Average equity | $37,765,000 | 1,917 |
| Average total loans | $352,628,670 | 1,293 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 6,111 |
| Cost of funding earning assets | 0.3832% | 3,494 |
| Net interest margin | 2.3447% | 6,132 |
| Noninterest income to average assets | 0.8621% | 1,523 |
| Noninterest expense to average assets | 1.8108% | 5,882 |
| Loan and lease loss provision to assets | 0.1189% | 1,742 |
| Net operating income to assets | 1.2555% | 1,387 |
| Return on assets (ROA) | 1.3238% | 1,278 |
| Pretax return on assets | 1.3238% | 2,184 |
| Return on Equity (ROE) | 18.4062% | 359 |
| Retained earnings to average equity (ytd only) | 5.6306% | 2,695 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8505% | 5,453 |
| Assets per employee ($millions) | 16.1775% | 69 |
| Cash dividends to net income (ytd only)* | 69.4090% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,059 |
| 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 | 66.2777% | 2,728 |
| Net loans and leases to deposits | 73.7235% | 3,347 |
| Net loans and leases to core deposits | 77.3094% | 3,447 |
| Total domestic deposits to total assets | 89.9003% | 788 |
| Equity capital to assets | 7.1049% | 6,250 |
| Core capital (leverage) ratio | 7.2514% | 6,209 |
| Tier 1 risk-based capital ratio | 11.7752% | 5,393 |
| Total risk-based capital ratio | 12.8861% | 5,385 |
| Memoranda: | ||
| Average total assets | $521,541,500 | 1,314 |
| Average earning assets | $516,730,500 | 1,235 |
| Average equity | $37,509,000 | 1,941 |
| Average total loans | $348,667,500 | 1,301 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7863% | 6,213 |
| Cost of funding earning assets | 0.3945% | 3,746 |
| Net interest margin | 2.3918% | 6,233 |
| Noninterest income to average assets | 0.8967% | 1,511 |
| Noninterest expense to average assets | 1.9274% | 5,894 |
| Loan and lease loss provision to assets | 0.0474% | 3,624 |
| Net operating income to assets | 1.2914% | 1,322 |
| Return on assets (ROA) | 1.3130% | 1,324 |
| Pretax return on assets | 1.3130% | 2,198 |
| Return on Equity (ROE) | 17.0912% | 481 |
| Retained earnings to average equity (ytd only) | 6.5664% | 1,615 |
| Net charge-offs to loans | 0.0028% | 4,908 |
| Credit loss provision to net charge-offs | 2,444.4444% | 129 |
| Earnings coverage of net charge-offs (x) | 689.7778% | 68 |
| Efficiency ratio | 59.0096% | 5,347 |
| Assets per employee ($millions) | 15.9133% | 74 |
| Cash dividends to net income (ytd only)* | 61.5802% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 5,059 |
| 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 | 66.0909% | 2,863 |
| Net loans and leases to deposits | 71.4927% | 3,737 |
| Net loans and leases to core deposits | 76.6532% | 3,644 |
| Total domestic deposits to total assets | 92.4442% | 100 |
| Equity capital to assets | 7.2832% | 6,283 |
| Core capital (leverage) ratio | 7.5231% | 6,195 |
| Tier 1 risk-based capital ratio | 12.1038% | 5,292 |
| Total risk-based capital ratio | 13.2116% | 5,290 |
| Memoranda: | ||
| Average total assets | $463,681,600 | 1,443 |
| Average earning assets | $459,362,200 | 1,338 |
| Average equity | $35,620,600 | 1,964 |
| Average total loans | $318,090,200 | 1,361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7987% | 6,283 |
| Cost of funding earning assets | 0.3860% | 3,945 |
| Net interest margin | 2.4127% | 6,288 |
| Noninterest income to average assets | 0.9029% | 1,507 |
| Noninterest expense to average assets | 1.9813% | 5,799 |
| Loan and lease loss provision to assets | 0.0560% | 3,251 |
| Net operating income to assets | 1.2555% | 1,510 |
| Return on assets (ROA) | 1.2670% | 1,530 |
| Pretax return on assets | 1.2670% | 2,505 |
| Return on Equity (ROE) | 16.2551% | 649 |
| Retained earnings to average equity (ytd only) | 6.0134% | 2,400 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1701% | 5,156 |
| Assets per employee ($millions) | 14.8616% | 80 |
| Cash dividends to net income (ytd only)* | 63.0061% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,137 |
| 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 | 69.1413% | 2,336 |
| Net loans and leases to deposits | 75.0759% | 3,299 |
| Net loans and leases to core deposits | 82.2511% | 3,082 |
| Total domestic deposits to total assets | 92.0952% | 145 |
| Equity capital to assets | 7.6062% | 6,284 |
| Core capital (leverage) ratio | 7.7249% | 6,208 |
| Tier 1 risk-based capital ratio | 12.6840% | 5,051 |
| Total risk-based capital ratio | 13.8617% | 5,024 |
| Memoranda: | ||
| Average total assets | $452,295,500 | 1,480 |
| Average earning assets | $447,999,000 | 1,380 |
| Average equity | $35,253,750 | 1,992 |
| Average total loans | $312,624,750 | 1,392 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8091% | 6,335 |
| Cost of funding earning assets | 0.3761% | 4,150 |
| Net interest margin | 2.4330% | 6,330 |
| Noninterest income to average assets | 0.9075% | 1,476 |
| Noninterest expense to average assets | 2.0412% | 5,745 |
| Loan and lease loss provision to assets | 0.0450% | 3,421 |
| Net operating income to assets | 1.2314% | 1,502 |
| Return on assets (ROA) | 1.2350% | 1,554 |
| Pretax return on assets | 1.2350% | 2,521 |
| Return on Equity (ROE) | 15.7094% | 682 |
| Retained earnings to average equity (ytd only) | 5.5970% | 2,580 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5270% | 5,069 |
| Assets per employee ($millions) | 13.9548% | 88 |
| Cash dividends to net income (ytd only)* | 64.3716% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,177 |
| 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 | 68.2459% | 2,375 |
| Net loans and leases to deposits | 77.8769% | 2,814 |
| Net loans and leases to core deposits | 83.7375% | 2,769 |
| Total domestic deposits to total assets | 87.6330% | 2,125 |
| Equity capital to assets | 7.7714% | 6,268 |
| Core capital (leverage) ratio | 7.5942% | 6,278 |
| Tier 1 risk-based capital ratio | 13.2186% | 4,774 |
| Total risk-based capital ratio | 14.4336% | 4,731 |
| Memoranda: | ||
| Average total assets | $444,537,000 | 1,504 |
| Average earning assets | $440,357,330 | 1,400 |
| Average equity | $34,947,330 | 1,997 |
| Average total loans | $306,101,330 | 1,407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7720% | 6,417 |
| Cost of funding earning assets | 0.3660% | 4,368 |
| Net interest margin | 2.4060% | 6,415 |
| Noninterest income to average assets | 0.9126% | 1,351 |
| Noninterest expense to average assets | 2.0754% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2223% | 1,416 |
| Return on assets (ROA) | 1.2269% | 1,461 |
| Pretax return on assets | 1.2269% | 2,362 |
| Return on Equity (ROE) | 15.5125% | 703 |
| Retained earnings to average equity (ytd only) | 5.4450% | 2,820 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9341% | 5,009 |
| Assets per employee ($millions) | 13.7709% | 93 |
| Cash dividends to net income (ytd only)* | 64.8992% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,231 |
| 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 | 64.6235% | 2,788 |
| Net loans and leases to deposits | 70.1528% | 3,585 |
| Net loans and leases to core deposits | 74.7959% | 3,556 |
| Total domestic deposits to total assets | 92.1182% | 219 |
| Equity capital to assets | 7.6736% | 6,242 |
| Core capital (leverage) ratio | 7.8272% | 6,210 |
| Tier 1 risk-based capital ratio | 13.7479% | 4,503 |
| Total risk-based capital ratio | 14.9910% | 4,464 |
| Memoranda: | ||
| Average total assets | $436,552,000 | 1,541 |
| Average earning assets | $432,752,500 | 1,433 |
| Average equity | $34,527,000 | 2,010 |
| Average total loans | $300,369,000 | 1,439 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7951% | 6,501 |
| Cost of funding earning assets | 0.3723% | 4,922 |
| Net interest margin | 2.4228% | 6,429 |
| Noninterest income to average assets | 0.8561% | 1,842 |
| Noninterest expense to average assets | 1.9751% | 6,069 |
| Loan and lease loss provision to assets | 0.1138% | 2,915 |
| Net operating income to assets | 1.1641% | 1,704 |
| Return on assets (ROA) | 1.3677% | 1,138 |
| Pretax return on assets | 1.3677% | 1,906 |
| Return on Equity (ROE) | 17.3368% | 471 |
| Retained earnings to average equity (ytd only) | 6.3369% | 1,781 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7156% | 5,387 |
| Assets per employee ($millions) | 13.0833% | 115 |
| Cash dividends to net income (ytd only)* | 63.4484% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 5,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.8201% | 1,714 |
| Net loans and leases to deposits | 80.6191% | 2,369 |
| Net loans and leases to core deposits | 86.7708% | 2,375 |
| Total domestic deposits to total assets | 89.0858% | 1,567 |
| Equity capital to assets | 8.1645% | 5,895 |
| Core capital (leverage) ratio | 8.5158% | 5,652 |
| Tier 1 risk-based capital ratio | 13.2119% | 4,844 |
| Total risk-based capital ratio | 14.4227% | 4,809 |
| Memoranda: | ||
| Average total assets | $427,873,200 | 1,545 |
| Average earning assets | $423,317,000 | 1,440 |
| Average equity | $33,754,800 | 2,038 |
| Average total loans | $297,228,600 | 1,415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7662% | 6,592 |
| Cost of funding earning assets | 0.3789% | 5,012 |
| Net interest margin | 2.3873% | 6,528 |
| Noninterest income to average assets | 0.8434% | 1,967 |
| Noninterest expense to average assets | 1.9337% | 6,132 |
| Loan and lease loss provision to assets | 0.1277% | 2,695 |
| Net operating income to assets | 1.1431% | 1,841 |
| Return on assets (ROA) | 1.4118% | 1,125 |
| Pretax return on assets | 1.4118% | 1,898 |
| Return on Equity (ROE) | 18.0492% | 437 |
| Retained earnings to average equity (ytd only) | 7.5525% | 1,618 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3443% | 5,381 |
| Assets per employee ($millions) | 13.6120% | 100 |
| Cash dividends to net income (ytd only)* | 58.1559% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 5,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.1335% | 635 |
| Net loans and leases to deposits | 90.7166% | 1,088 |
| Net loans and leases to core deposits | 98.3159% | 1,218 |
| Total domestic deposits to total assets | 87.2316% | 2,548 |
| Equity capital to assets | 8.6524% | 5,564 |
| Core capital (leverage) ratio | 8.5328% | 5,739 |
| Tier 1 risk-based capital ratio | 12.3412% | 5,548 |
| Total risk-based capital ratio | 13.4528% | 5,585 |
| Memoranda: | ||
| Average total assets | $430,175,500 | 1,549 |
| Average earning assets | $425,463,000 | 1,440 |
| Average equity | $33,648,000 | 2,064 |
| Average total loans | $295,567,250 | 1,428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7083% | 6,664 |
| Cost of funding earning assets | 0.3797% | 5,142 |
| Net interest margin | 2.3286% | 6,599 |
| Noninterest income to average assets | 0.8276% | 2,076 |
| Noninterest expense to average assets | 2.1603% | 5,724 |
| Loan and lease loss provision to assets | 0.1299% | 2,695 |
| Net operating income to assets | 0.8408% | 3,099 |
| Return on assets (ROA) | 1.2322% | 1,612 |
| Pretax return on assets | 1.2322% | 2,553 |
| Return on Equity (ROE) | 16.2669% | 636 |
| Retained earnings to average equity (ytd only) | 5.8604% | 2,511 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9984% | 4,008 |
| Assets per employee ($millions) | 15.5919% | 75 |
| Cash dividends to net income (ytd only)* | 63.9736% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 5,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 72.9934% | 1,402 |
| Net loans and leases to deposits | 84.2457% | 1,770 |
| Net loans and leases to core deposits | 91.1358% | 1,794 |
| Total domestic deposits to total assets | 86.6435% | 3,036 |
| Equity capital to assets | 8.1739% | 6,074 |
| Core capital (leverage) ratio | 7.3881% | 6,498 |
| Tier 1 risk-based capital ratio | 12.3862% | 5,583 |
| Total risk-based capital ratio | 13.4865% | 5,602 |
| Memoranda: | ||
| Average total assets | $441,984,670 | 1,505 |
| Average earning assets | $437,180,330 | 1,398 |
| Average equity | $33,479,000 | 2,080 |
| Average total loans | $288,925,670 | 1,460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5954% | 6,782 |
| Cost of funding earning assets | 0.3738% | 5,332 |
| Net interest margin | 2.2216% | 6,746 |
| Noninterest income to average assets | 0.7891% | 2,169 |
| Noninterest expense to average assets | 1.7537% | 6,492 |
| Loan and lease loss provision to assets | 0.1738% | 2,128 |
| Net operating income to assets | 1.0620% | 1,985 |
| Return on assets (ROA) | 1.0628% | 2,099 |
| Pretax return on assets | 1.0628% | 3,099 |
| Return on Equity (ROE) | 14.5377% | 858 |
| Retained earnings to average equity (ytd only) | 3.5661% | 4,098 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6628% | 5,762 |
| Assets per employee ($millions) | 18.1448% | 62 |
| Cash dividends to net income (ytd only)* | 75.4702% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,980 |
| 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 | 60.8316% | 3,282 |
| Net loans and leases to deposits | 65.6762% | 4,100 |
| Net loans and leases to core deposits | 69.7372% | 4,117 |
| Total domestic deposits to total assets | 92.6234% | 159 |
| Equity capital to assets | 7.1932% | 6,678 |
| Core capital (leverage) ratio | 7.1321% | 6,605 |
| Tier 1 risk-based capital ratio | 10.8071% | 6,485 |
| Total risk-based capital ratio | 11.7578% | 6,557 |
| Memoranda: | ||
| Average total assets | $460,282,000 | 1,458 |
| Average earning assets | $455,886,000 | 1,347 |
| Average equity | $33,650,500 | 2,097 |
| Average total loans | $283,940,000 | 1,493 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 6,811 |
| Cost of funding earning assets | 0.4257% | 5,746 |
| Net interest margin | 2.4922% | 6,721 |
| Noninterest income to average assets | 0.5925% | 3,319 |
| Noninterest expense to average assets | 1.7723% | 6,655 |
| Loan and lease loss provision to assets | 0.0766% | 4,759 |
| Net operating income to assets | 1.2082% | 1,579 |
| Return on assets (ROA) | 1.2378% | 1,648 |
| Pretax return on assets | 1.2378% | 2,646 |
| Return on Equity (ROE) | 14.8852% | 829 |
| Retained earnings to average equity (ytd only) | 5.1241% | 2,619 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9733% | 5,833 |
| Assets per employee ($millions) | 17.9520% | 63 |
| Cash dividends to net income (ytd only)* | 65.5762% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 6,059 |
| 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 | 61.3402% | 3,366 |
| Net loans and leases to deposits | 66.4356% | 4,223 |
| Net loans and leases to core deposits | 71.3090% | 4,131 |
| Total domestic deposits to total assets | 92.3302% | 191 |
| Equity capital to assets | 7.4345% | 6,657 |
| Core capital (leverage) ratio | 9.0833% | 4,761 |
| Tier 1 risk-based capital ratio | 13.6157% | 4,661 |
| Total risk-based capital ratio | 14.7412% | 4,713 |
| Memoranda: | ||
| Average total assets | $387,692,800 | 1,689 |
| Average earning assets | $383,394,000 | 1,566 |
| Average equity | $32,240,000 | 2,129 |
| Average total loans | $259,479,400 | 1,596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0065% | 6,900 |
| Cost of funding earning assets | 0.4512% | 5,789 |
| Net interest margin | 2.5553% | 6,788 |
| Noninterest income to average assets | 0.5370% | 3,695 |
| Noninterest expense to average assets | 1.7847% | 6,693 |
| Loan and lease loss provision to assets | 0.0677% | 4,838 |
| Net operating income to assets | 1.2108% | 1,696 |
| Return on assets (ROA) | 1.2248% | 1,826 |
| Pretax return on assets | 1.2248% | 2,893 |
| Return on Equity (ROE) | 14.2723% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.7477% | 3,559 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2632% | 5,755 |
| Assets per employee ($millions) | 14.5404% | 94 |
| Cash dividends to net income (ytd only)* | 66.7348% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,205 |
| 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 | 76.1552% | 954 |
| Net loans and leases to deposits | 86.7107% | 1,517 |
| Net loans and leases to core deposits | 97.8372% | 1,278 |
| Total domestic deposits to total assets | 87.8267% | 2,156 |
| Equity capital to assets | 9.4630% | 5,249 |
| Core capital (leverage) ratio | 8.9763% | 5,096 |
| Tier 1 risk-based capital ratio | 13.6318% | 4,795 |
| Total risk-based capital ratio | 14.7304% | 4,848 |
| Memoranda: | ||
| Average total assets | $372,416,250 | 1,771 |
| Average earning assets | $368,170,250 | 1,642 |
| Average equity | $31,958,500 | 2,160 |
| Average total loans | $254,850,250 | 1,637 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9125% | 7,006 |
| Cost of funding earning assets | 0.4443% | 5,999 |
| Net interest margin | 2.4682% | 6,919 |
| Noninterest income to average assets | 0.4213% | 4,490 |
| Noninterest expense to average assets | 1.7016% | 6,841 |
| Loan and lease loss provision to assets | 0.0568% | 4,951 |
| Net operating income to assets | 1.1056% | 2,026 |
| Return on assets (ROA) | 1.1214% | 2,189 |
| Pretax return on assets | 1.1214% | 3,228 |
| Return on Equity (ROE) | 13.4921% | 1,239 |
| Retained earnings to average equity (ytd only) | 3.7907% | 4,093 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4123% | 5,676 |
| Assets per employee ($millions) | 15.8772% | 73 |
| Cash dividends to net income (ytd only)* | 71.9043% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,191 |
| 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 | 68.6365% | 2,181 |
| Net loans and leases to deposits | 80.3024% | 2,342 |
| Net loans and leases to core deposits | 91.0463% | 1,869 |
| Total domestic deposits to total assets | 85.4725% | 3,624 |
| Equity capital to assets | 8.7832% | 5,934 |
| Core capital (leverage) ratio | 8.7106% | 5,360 |
| Tier 1 risk-based capital ratio | 13.3090% | 4,960 |
| Total risk-based capital ratio | 14.3658% | 5,077 |
| Memoranda: | ||
| Average total assets | $380,232,000 | 1,735 |
| Average earning assets | $376,313,330 | 1,604 |
| Average equity | $31,603,670 | 2,168 |
| Average total loans | $250,350,000 | 1,660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8640% | 7,087 |
| Cost of funding earning assets | 0.4437% | 6,187 |
| Net interest margin | 2.4203% | 7,000 |
| Noninterest income to average assets | 0.2641% | 5,758 |
| Noninterest expense to average assets | 1.5927% | 6,982 |
| Loan and lease loss provision to assets | 0.0557% | 4,707 |
| Net operating income to assets | 1.0130% | 2,427 |
| Return on assets (ROA) | 1.0439% | 2,502 |
| Pretax return on assets | 1.0439% | 3,522 |
| Return on Equity (ROE) | 12.9047% | 1,432 |
| Retained earnings to average equity (ytd only) | 2.0020% | 5,266 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8450% | 5,639 |
| Assets per employee ($millions) | 17.7350% | 66 |
| Cash dividends to net income (ytd only)* | 84.4862% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,202 |
| 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 | 59.0337% | 3,850 |
| Net loans and leases to deposits | 64.1485% | 4,613 |
| Net loans and leases to core deposits | 71.3369% | 4,250 |
| Total domestic deposits to total assets | 92.0266% | 250 |
| Equity capital to assets | 7.7439% | 6,664 |
| Core capital (leverage) ratio | 8.7872% | 5,147 |
| Tier 1 risk-based capital ratio | 14.3903% | 4,184 |
| Total risk-based capital ratio | 15.5243% | 4,234 |
| Memoranda: | ||
| Average total assets | $387,760,000 | 1,712 |
| Average earning assets | $384,084,000 | 1,578 |
| Average equity | $31,368,500 | 2,181 |
| Average total loans | $248,947,000 | 1,668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4440% | 7,026 |
| Cost of funding earning assets | 0.5787% | 6,194 |
| Net interest margin | 2.8653% | 6,745 |
| Noninterest income to average assets | 0.1940% | 6,113 |
| Noninterest expense to average assets | 1.4963% | 7,169 |
| Loan and lease loss provision to assets | 0.1390% | 4,883 |
| Net operating income to assets | 1.3950% | 1,039 |
| Return on assets (ROA) | 1.3995% | 1,115 |
| Pretax return on assets | 1.3995% | 1,794 |
| Return on Equity (ROE) | 16.4619% | 543 |
| Retained earnings to average equity (ytd only) | 5.6778% | 2,187 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3792% | 6,866 |
| Assets per employee ($millions) | 16.7097% | 73 |
| Cash dividends to net income (ytd only)* | 65.5096% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,420 |
| 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 | 68.6127% | 2,291 |
| Net loans and leases to deposits | 75.2247% | 3,308 |
| Net loans and leases to core deposits | 84.3621% | 2,841 |
| Total domestic deposits to total assets | 91.2103% | 423 |
| Equity capital to assets | 8.4733% | 6,175 |
| Core capital (leverage) ratio | 8.6372% | 5,335 |
| Tier 1 risk-based capital ratio | 14.0572% | 4,286 |
| Total risk-based capital ratio | 15.1461% | 4,358 |
| Memoranda: | ||
| Average total assets | $356,139,000 | 1,820 |
| Average earning assets | $352,523,800 | 1,684 |
| Average equity | $30,276,000 | 2,176 |
| Average total loans | $263,456,000 | 1,597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4796% | 7,093 |
| Cost of funding earning assets | 0.6017% | 6,279 |
| Net interest margin | 2.8779% | 6,786 |
| Noninterest income to average assets | 0.1581% | 6,463 |
| Noninterest expense to average assets | 1.4670% | 7,250 |
| Loan and lease loss provision to assets | 0.1404% | 4,685 |
| Net operating income to assets | 1.3991% | 1,150 |
| Return on assets (ROA) | 1.3991% | 1,234 |
| Pretax return on assets | 1.3991% | 1,947 |
| Return on Equity (ROE) | 16.4435% | 617 |
| Retained earnings to average equity (ytd only) | 5.6379% | 2,777 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7949% | 6,904 |
| Assets per employee ($millions) | 16.2206% | 79 |
| Cash dividends to net income (ytd only)* | 65.7136% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,743 |
| 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 | 75.4840% | 1,063 |
| Net loans and leases to deposits | 82.8465% | 2,197 |
| Net loans and leases to core deposits | 93.4102% | 1,839 |
| Total domestic deposits to total assets | 91.1131% | 402 |
| Equity capital to assets | 8.6220% | 6,172 |
| Core capital (leverage) ratio | 8.5948% | 5,561 |
| Tier 1 risk-based capital ratio | 13.1094% | 5,017 |
| Total risk-based capital ratio | 14.0869% | 5,194 |
| Memoranda: | ||
| Average total assets | $353,270,250 | 1,839 |
| Average earning assets | $349,649,250 | 1,704 |
| Average equity | $30,057,750 | 2,194 |
| Average total loans | $265,661,500 | 1,598 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 7,161 |
| Cost of funding earning assets | 0.6046% | 6,436 |
| Net interest margin | 2.8900% | 6,807 |
| Noninterest income to average assets | 0.1397% | 6,626 |
| Noninterest expense to average assets | 1.4548% | 7,331 |
| Loan and lease loss provision to assets | 0.1409% | 4,547 |
| Net operating income to assets | 1.4031% | 1,075 |
| Return on assets (ROA) | 1.4031% | 1,140 |
| Pretax return on assets | 1.4031% | 1,790 |
| Return on Equity (ROE) | 16.5655% | 604 |
| Retained earnings to average equity (ytd only) | 5.8281% | 2,527 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5130% | 7,034 |
| Assets per employee ($millions) | 17.5319% | 71 |
| Cash dividends to net income (ytd only)* | 64.8178% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 6,823 |
| 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 | 73.7951% | 1,454 |
| Net loans and leases to deposits | 80.9856% | 2,622 |
| Net loans and leases to core deposits | 91.6342% | 2,179 |
| Total domestic deposits to total assets | 91.1213% | 459 |
| Equity capital to assets | 8.6403% | 6,011 |
| Core capital (leverage) ratio | 8.2237% | 5,992 |
| Tier 1 risk-based capital ratio | 13.5506% | 4,487 |
| Total risk-based capital ratio | 14.5189% | 4,691 |
| Memoranda: | ||
| Average total assets | $352,076,000 | 1,864 |
| Average earning assets | $348,307,670 | 1,723 |
| Average equity | $29,821,000 | 2,194 |
| Average total loans | $263,666,000 | 1,633 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 7,214 |
| Cost of funding earning assets | 0.6031% | 6,605 |
| Net interest margin | 2.8838% | 6,784 |
| Noninterest income to average assets | 0.1156% | 6,835 |
| Noninterest expense to average assets | 1.4388% | 7,397 |
| Loan and lease loss provision to assets | 0.1406% | 4,248 |
| Net operating income to assets | 1.3878% | 1,080 |
| Return on assets (ROA) | 1.3878% | 1,130 |
| Pretax return on assets | 1.3878% | 1,755 |
| Return on Equity (ROE) | 16.5498% | 620 |
| Retained earnings to average equity (ytd only) | 5.9898% | 2,644 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4906% | 7,096 |
| Assets per employee ($millions) | 18.5966% | 70 |
| Cash dividends to net income (ytd only)* | 63.8072% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 7,012 |
| 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 | 76.5478% | 955 |
| Net loans and leases to deposits | 83.7996% | 2,063 |
| Net loans and leases to core deposits | 95.1736% | 1,749 |
| Total domestic deposits to total assets | 91.3462% | 466 |
| Equity capital to assets | 8.4356% | 6,008 |
| Core capital (leverage) ratio | 8.2179% | 5,952 |
| Tier 1 risk-based capital ratio | 12.8103% | 4,970 |
| Total risk-based capital ratio | 13.6854% | 5,303 |
| Memoranda: | ||
| Average total assets | $352,795,500 | 1,868 |
| Average earning assets | $348,851,000 | 1,725 |
| Average equity | $29,583,500 | 2,200 |
| Average total loans | $265,044,000 | 1,640 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 7,384 |
| Cost of funding earning assets | 0.6416% | 7,022 |
| Net interest margin | 2.8657% | 6,945 |
| Noninterest income to average assets | 0.1246% | 6,782 |
| Noninterest expense to average assets | 1.4867% | 7,452 |
| Loan and lease loss provision to assets | 0.1198% | 5,959 |
| Net operating income to assets | 1.3447% | 1,068 |
| Return on assets (ROA) | 1.3516% | 1,123 |
| Pretax return on assets | 1.3516% | 1,793 |
| Return on Equity (ROE) | 15.7872% | 605 |
| Retained earnings to average equity (ytd only) | 5.6670% | 2,005 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3755% | 7,095 |
| Assets per employee ($millions) | 19.5698% | 63 |
| Cash dividends to net income (ytd only)* | 64.1037% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 7,064 |
| Loan loss allowance to noncurrent loans | 2,386.2500% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 7,188 |
| Noncurrent loans to loans | 0.0311% | 7,055 |
| Net loans and leases to total assets | 72.5824% | 1,968 |
| Net loans and leases to deposits | 79.4605% | 3,263 |
| Net loans and leases to core deposits | 89.6863% | 2,812 |
| Total domestic deposits to total assets | 91.3441% | 442 |
| Equity capital to assets | 8.3351% | 6,103 |
| Core capital (leverage) ratio | 9.2361% | 4,114 |
| Tier 1 risk-based capital ratio | 13.4452% | 4,257 |
| Total risk-based capital ratio | 14.3207% | 4,505 |
| Memoranda: | ||
| Average total assets | $333,900,000 | 1,948 |
| Average earning assets | $329,343,400 | 1,813 |
| Average equity | $28,586,400 | 2,271 |
| Average total loans | $232,834,400 | 1,876 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 7,525 |
| Cost of funding earning assets | 0.6755% | 7,116 |
| Net interest margin | 2.8450% | 7,087 |
| Noninterest income to average assets | 0.1263% | 6,923 |
| Noninterest expense to average assets | 1.4640% | 7,567 |
| Loan and lease loss provision to assets | 0.1215% | 5,814 |
| Net operating income to assets | 1.3458% | 1,234 |
| Return on assets (ROA) | 1.3551% | 1,291 |
| Pretax return on assets | 1.3551% | 2,022 |
| Return on Equity (ROE) | 15.7173% | 746 |
| Retained earnings to average equity (ytd only) | 6.0296% | 2,338 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9448% | 7,158 |
| Assets per employee ($millions) | 17.0027% | 77 |
| Cash dividends to net income (ytd only)* | 61.6373% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 7,070 |
| 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 | 76.6631% | 1,291 |
| Net loans and leases to deposits | 84.9836% | 2,520 |
| Net loans and leases to core deposits | 91.8895% | 2,822 |
| Total domestic deposits to total assets | 90.2094% | 772 |
| Equity capital to assets | 9.4848% | 4,871 |
| Core capital (leverage) ratio | 8.9503% | 4,762 |
| Tier 1 risk-based capital ratio | 14.4191% | 3,560 |
| Total risk-based capital ratio | 15.3192% | 3,757 |
| Memoranda: | ||
| Average total assets | $329,311,000 | 2,002 |
| Average earning assets | $324,681,000 | 1,855 |
| Average equity | $28,392,750 | 2,320 |
| Average total loans | $226,646,750 | 1,948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 7,641 |
| Cost of funding earning assets | 0.6955% | 7,204 |
| Net interest margin | 2.7013% | 7,255 |
| Noninterest income to average assets | 0.1222% | 6,986 |
| Noninterest expense to average assets | 1.4181% | 7,656 |
| Loan and lease loss provision to assets | 0.1187% | 5,709 |
| Net operating income to assets | 1.2520% | 1,424 |
| Return on assets (ROA) | 1.2520% | 1,487 |
| Pretax return on assets | 1.2520% | 2,252 |
| Return on Equity (ROE) | 14.9746% | 863 |
| Retained earnings to average equity (ytd only) | 5.6066% | 2,553 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8511% | 7,165 |
| Assets per employee ($millions) | 18.6170% | 71 |
| Cash dividends to net income (ytd only)* | 62.5592% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 7,161 |
| 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 | 67.8212% | 3,413 |
| Net loans and leases to deposits | 74.3738% | 4,615 |
| Net loans and leases to core deposits | 80.3335% | 4,651 |
| Total domestic deposits to total assets | 91.1897% | 417 |
| Equity capital to assets | 8.5651% | 6,075 |
| Core capital (leverage) ratio | 8.2443% | 5,867 |
| Tier 1 risk-based capital ratio | 14.1556% | 3,630 |
| Total risk-based capital ratio | 15.0048% | 3,865 |
| Memoranda: | ||
| Average total assets | $337,065,330 | 1,975 |
| Average earning assets | $332,731,330 | 1,833 |
| Average equity | $28,181,000 | 2,324 |
| Average total loans | $223,384,000 | 1,994 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 7,741 |
| Cost of funding earning assets | 0.7482% | 7,235 |
| Net interest margin | 2.6200% | 7,371 |
| Noninterest income to average assets | 0.1254% | 7,053 |
| Noninterest expense to average assets | 1.4069% | 7,757 |
| Loan and lease loss provision to assets | 0.1183% | 5,412 |
| Net operating income to assets | 1.1856% | 1,579 |
| Return on assets (ROA) | 1.1856% | 1,655 |
| Pretax return on assets | 1.1856% | 2,411 |
| Return on Equity (ROE) | 14.3550% | 981 |
| Retained earnings to average equity (ytd only) | 5.0429% | 3,133 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8987% | 7,168 |
| Assets per employee ($millions) | 20.3814% | 66 |
| Cash dividends to net income (ytd only)* | 64.8703% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 7,293 |
| 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 | 59.7067% | 5,167 |
| Net loans and leases to deposits | 65.1951% | 5,912 |
| Net loans and leases to core deposits | 71.5504% | 5,764 |
| Total domestic deposits to total assets | 91.5816% | 350 |
| Equity capital to assets | 7.6565% | 6,962 |
| Core capital (leverage) ratio | 8.2439% | 5,842 |
| Tier 1 risk-based capital ratio | 14.4023% | 3,437 |
| Total risk-based capital ratio | 15.2284% | 3,628 |
| Memoranda: | ||
| Average total assets | $338,045,000 | 2,025 |
| Average earning assets | $333,583,500 | 1,877 |
| Average equity | $27,920,500 | 2,377 |
| Average total loans | $220,585,000 | 2,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 7,805 |
| Cost of funding earning assets | 0.9825% | 7,240 |
| Net interest margin | 2.6523% | 7,275 |
| Noninterest income to average assets | 0.0605% | 7,453 |
| Noninterest expense to average assets | 1.4537% | 7,824 |
| Loan and lease loss provision to assets | 0.1316% | 6,320 |
| Net operating income to assets | 1.0988% | 1,513 |
| Return on assets (ROA) | 1.0988% | 1,549 |
| Pretax return on assets | 1.0988% | 2,257 |
| Return on Equity (ROE) | 12.3508% | 1,082 |
| Retained earnings to average equity (ytd only) | 4.3843% | 2,176 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1600% | 7,214 |
| Assets per employee ($millions) | 17.1792% | 93 |
| Cash dividends to net income (ytd only)* | 64.5016% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 7,407 |
| 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 | 70.8251% | 3,046 |
| Net loans and leases to deposits | 78.0461% | 4,362 |
| Net loans and leases to core deposits | 82.8403% | 5,835 |
| Total domestic deposits to total assets | 90.7478% | 638 |
| Equity capital to assets | 8.9747% | 5,186 |
| Core capital (leverage) ratio | 9.1750% | 4,160 |
| Tier 1 risk-based capital ratio | 14.6739% | 3,116 |
| Total risk-based capital ratio | 15.4734% | 3,315 |
| Memoranda: | ||
| Average total assets | $304,046,200 | 2,191 |
| Average earning assets | $300,755,000 | 2,067 |
| Average equity | $27,050,800 | 2,447 |
| Average total loans | $217,484,800 | 2,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 7,922 |
| Cost of funding earning assets | 0.9976% | 7,391 |
| Net interest margin | 2.5917% | 7,362 |
| Noninterest income to average assets | 0.0361% | 7,708 |
| Noninterest expense to average assets | 1.4670% | 7,900 |
| Loan and lease loss provision to assets | 0.0934% | 6,433 |
| Net operating income to assets | 1.0420% | 1,928 |
| Return on assets (ROA) | 1.0420% | 1,988 |
| Pretax return on assets | 1.0420% | 2,770 |
| Return on Equity (ROE) | 11.7378% | 1,434 |
| Retained earnings to average equity (ytd only) | 4.1474% | 2,965 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3716% | 6,950 |
| Assets per employee ($millions) | 17.0838% | 91 |
| Cash dividends to net income (ytd only)* | 64.6661% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 7,606 |
| Loan loss allowance to noncurrent loans | 22,016.6667% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,611 |
| Noncurrent loans to loans | 0.0027% | 7,535 |
| Net loans and leases to total assets | 77.4128% | 1,690 |
| Net loans and leases to deposits | 85.7473% | 3,367 |
| Net loans and leases to core deposits | 91.2677% | 5,302 |
| Total domestic deposits to total assets | 90.2801% | 672 |
| Equity capital to assets | 9.4293% | 4,842 |
| Core capital (leverage) ratio | 9.1457% | 4,421 |
| Tier 1 risk-based capital ratio | 13.8985% | 3,609 |
| Total risk-based capital ratio | 14.5699% | 3,920 |
| Memoranda: | ||
| Average total assets | $302,751,500 | 2,210 |
| Average earning assets | $299,774,250 | 2,092 |
| Average equity | $26,875,500 | 2,480 |
| Average total loans | $216,726,500 | 2,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 8,040 |
| Cost of funding earning assets | 0.9891% | 7,565 |
| Net interest margin | 2.4448% | 7,532 |
| Noninterest income to average assets | 0.0156% | 7,888 |
| Noninterest expense to average assets | 1.4658% | 7,987 |
| Loan and lease loss provision to assets | 0.0372% | 6,866 |
| Net operating income to assets | 0.9340% | 2,328 |
| Return on assets (ROA) | 0.9340% | 2,423 |
| Pretax return on assets | 0.9340% | 3,231 |
| Return on Equity (ROE) | 10.7318% | 1,776 |
| Retained earnings to average equity (ytd only) | 2.4115% | 3,989 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1498% | 6,527 |
| Assets per employee ($millions) | 17.5746% | 88 |
| Cash dividends to net income (ytd only)* | 77.5297% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5580% | 7,713 |
| 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 | 69.5563% | 3,802 |
| Net loans and leases to deposits | 76.6678% | 5,069 |
| Net loans and leases to core deposits | 81.5320% | 6,278 |
| Total domestic deposits to total assets | 90.7242% | 546 |
| Equity capital to assets | 8.9896% | 5,333 |
| Core capital (leverage) ratio | 9.1866% | 4,322 |
| Tier 1 risk-based capital ratio | 14.7547% | 3,122 |
| Total risk-based capital ratio | 15.3958% | 3,370 |
| Memoranda: | ||
| Average total assets | $306,860,330 | 2,219 |
| Average earning assets | $303,906,000 | 2,089 |
| Average equity | $26,705,670 | 2,503 |
| Average total loans | $213,586,330 | 2,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 8,097 |
| Cost of funding earning assets | 1.0090% | 7,661 |
| Net interest margin | 2.4647% | 7,540 |
| Noninterest income to average assets | 0.0232% | 7,962 |
| Noninterest expense to average assets | 1.3818% | 8,047 |
| Loan and lease loss provision to assets | 0.0450% | 6,407 |
| Net operating income to assets | 1.0383% | 2,171 |
| Return on assets (ROA) | 1.0383% | 2,299 |
| Pretax return on assets | 1.0383% | 3,209 |
| Return on Equity (ROE) | 12.1219% | 1,621 |
| Retained earnings to average equity (ytd only) | 3.5600% | 3,916 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0543% | 6,964 |
| Assets per employee ($millions) | 18.0085% | 93 |
| Cash dividends to net income (ytd only)* | 70.6320% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 7,762 |
| 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 | 68.2257% | 4,080 |
| Net loans and leases to deposits | 74.9564% | 5,348 |
| Net loans and leases to core deposits | 80.1459% | 6,371 |
| Total domestic deposits to total assets | 91.0206% | 409 |
| Equity capital to assets | 8.7371% | 5,709 |
| Core capital (leverage) ratio | 8.6507% | 5,255 |
| Tier 1 risk-based capital ratio | 14.9690% | 3,081 |
| Total risk-based capital ratio | 15.6092% | 3,314 |
| Memoranda: | ||
| Average total assets | $310,906,500 | 2,208 |
| Average earning assets | $308,032,500 | 2,073 |
| Average equity | $26,629,500 | 2,518 |
| Average total loans | $215,890,500 | 2,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 7,886 |
| Cost of funding earning assets | 1.9557% | 6,552 |
| Net interest margin | 2.9653% | 6,998 |
| Noninterest income to average assets | 0.0639% | 7,829 |
| Noninterest expense to average assets | 1.6670% | 7,896 |
| Loan and lease loss provision to assets | 0.1354% | 5,625 |
| Net operating income to assets | 1.1855% | 1,822 |
| Return on assets (ROA) | 1.1859% | 1,750 |
| Pretax return on assets | 1.1859% | 2,697 |
| Return on Equity (ROE) | 11.3670% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.9213% | 1,567 |
| Net charge-offs to loans | -0.0208% | 7,932 |
| Credit loss provision to net charge-offs | -774.4186% | 7,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7915% | 7,041 |
| Assets per employee ($millions) | 18.5688% | 87 |
| Cash dividends to net income (ytd only)* | 47.9081% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 7,851 |
| 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 | 69.9020% | 4,041 |
| Net loans and leases to deposits | 76.5138% | 5,530 |
| Net loans and leases to core deposits | 83.0232% | 6,381 |
| Total domestic deposits to total assets | 91.3587% | 234 |
| Equity capital to assets | 8.3984% | 6,259 |
| Core capital (leverage) ratio | 8.6141% | 5,351 |
| Tier 1 risk-based capital ratio | 13.5344% | 3,805 |
| Total risk-based capital ratio | 14.1006% | 4,117 |
| Memoranda: | ||
| Average total assets | $245,885,600 | 2,594 |
| Average earning assets | $242,470,200 | 2,432 |
| Average equity | $25,653,200 | 2,593 |
| Average total loans | $206,931,800 | 2,229 |