Home > Traditions Bank > Performance and Condition Ratios
Traditions Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 1,714 |
| Cost of funding earning assets | 1.8506% | 1,161 |
| Net interest margin | 3.3230% | 2,569 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.0360% | 1,069 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.6122% | 3,410 |
| Return on assets (ROA) | 0.6122% | 3,394 |
| Pretax return on assets | 0.7533% | 3,331 |
| Return on Equity (ROE) | 8.3000% | 2,944 |
| Retained earnings to average equity (ytd only) | 5.0324% | 2,599 |
| Net charge-offs to loans | -0.0011% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.0455% | 985 |
| Assets per employee ($millions) | 6.0437% | 2,780 |
| Cash dividends to net income (ytd only)* | 39.3963% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5518% | 4,295 |
| Loan loss allowance to noncurrent loans | 93.9547% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 1,183 |
| Noncurrent loans to loans | 0.5873% | 1,342 |
| Net loans and leases to total assets | 80.0300% | 639 |
| Net loans and leases to deposits | 91.9570% | 1,098 |
| Net loans and leases to core deposits | 105.8529% | 1,118 |
| Total domestic deposits to total assets | 87.0300% | 1,671 |
| Equity capital to assets | 7.5850% | 3,670 |
| Core capital (leverage) ratio | 8.6941% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1148% | 2,549 |
| Memoranda: | ||
| Average total assets | $822,650,200 | 1,157 |
| Average earning assets | $777,876,200 | 1,135 |
| Average equity | $60,646,600 | 1,386 |
| Average total loans | $656,411,800 | 1,018 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 1,716 |
| Cost of funding earning assets | 1.6454% | 1,293 |
| Net interest margin | 3.4116% | 2,427 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.0394% | 1,007 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7083% | 3,301 |
| Return on assets (ROA) | 0.7083% | 3,284 |
| Pretax return on assets | 0.8743% | 3,161 |
| Return on Equity (ROE) | 9.6800% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.7470% | 2,704 |
| Net charge-offs to loans | -0.0274% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.9237% | 1,094 |
| Assets per employee ($millions) | 5.5225% | 3,166 |
| Cash dividends to net income (ytd only)* | 40.6257% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5319% | 4,333 |
| Loan loss allowance to noncurrent loans | 97.3376% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 1,318 |
| Noncurrent loans to loans | 0.5464% | 1,458 |
| Net loans and leases to total assets | 80.3900% | 597 |
| Net loans and leases to deposits | 97.0134% | 683 |
| Net loans and leases to core deposits | 109.0166% | 909 |
| Total domestic deposits to total assets | 82.8700% | 3,041 |
| Equity capital to assets | 7.0564% | 3,581 |
| Core capital (leverage) ratio | 8.6738% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7348% | 2,681 |
| Memoranda: | ||
| Average total assets | $818,295,000 | 1,160 |
| Average earning assets | $773,185,500 | 1,140 |
| Average equity | $59,878,500 | 1,385 |
| Average total loans | $651,508,250 | 1,021 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 1,771 |
| Cost of funding earning assets | 1.4821% | 1,277 |
| Net interest margin | 3.4144% | 2,484 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 3.1194% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7212% | 3,296 |
| Return on assets (ROA) | 0.7212% | 3,294 |
| Pretax return on assets | 0.8903% | 3,193 |
| Return on Equity (ROE) | 9.7400% | 2,780 |
| Retained earnings to average equity (ytd only) | 4.5649% | 3,064 |
| Net charge-offs to loans | -0.0413% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.8348% | 1,010 |
| Assets per employee ($millions) | 5.4748% | 3,173 |
| Cash dividends to net income (ytd only)* | 53.1250% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5160% | 4,367 |
| Loan loss allowance to noncurrent loans | 87.0394% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,139 |
| Noncurrent loans to loans | 0.5929% | 1,265 |
| Net loans and leases to total assets | 79.9100% | 636 |
| Net loans and leases to deposits | 96.4945% | 705 |
| Net loans and leases to core deposits | 107.3368% | 933 |
| Total domestic deposits to total assets | 82.8100% | 3,087 |
| Equity capital to assets | 7.2452% | 3,665 |
| Core capital (leverage) ratio | 8.7260% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6471% | 2,722 |
| Memoranda: | ||
| Average total assets | $807,580,000 | 1,174 |
| Average earning assets | $763,241,000 | 1,150 |
| Average equity | $59,804,667 | 1,390 |
| Average total loans | $639,549,667 | 1,023 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,798 |
| Cost of funding earning assets | 1.2613% | 1,324 |
| Net interest margin | 3.4585% | 2,476 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.1463% | 870 |
| Loan and lease loss provision to assets | -0.1200% | 4,587 |
| Net operating income to assets | 0.7934% | 3,209 |
| Return on assets (ROA) | 0.7934% | 3,165 |
| Pretax return on assets | 0.9791% | 3,055 |
| Return on Equity (ROE) | 10.5900% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.0899% | 1,923 |
| Net charge-offs to loans | -0.0950% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4644% | 957 |
| Assets per employee ($millions) | 5.1158% | 3,566 |
| Cash dividends to net income (ytd only)* | 14.1858% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 4,427 |
| Loan loss allowance to noncurrent loans | 115.3873% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 1,467 |
| Noncurrent loans to loans | 0.4436% | 1,613 |
| Net loans and leases to total assets | 78.4300% | 722 |
| Net loans and leases to deposits | 89.5112% | 1,089 |
| Net loans and leases to core deposits | 100.0691% | 1,084 |
| Total domestic deposits to total assets | 87.6200% | 2,054 |
| Equity capital to assets | 7.6890% | 3,453 |
| Core capital (leverage) ratio | 9.0575% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7254% | 2,487 |
| Memoranda: | ||
| Average total assets | $792,549,500 | 1,201 |
| Average earning assets | $748,416,000 | 1,186 |
| Average equity | $59,362,500 | 1,406 |
| Average total loans | $622,906,000 | 1,054 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 2,107 |
| Cost of funding earning assets | 0.3708% | 2,324 |
| Net interest margin | 3.4869% | 1,968 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.2269% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7693% | 3,422 |
| Return on assets (ROA) | 0.7693% | 3,368 |
| Pretax return on assets | 0.9430% | 3,235 |
| Return on Equity (ROE) | 9.9900% | 2,810 |
| Retained earnings to average equity (ytd only) | 5.3173% | 2,913 |
| Net charge-offs to loans | -0.0007% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.3850% | 894 |
| Assets per employee ($millions) | 4.9795% | 3,698 |
| Cash dividends to net income (ytd only)* | 46.7497% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,512 |
| Loan loss allowance to noncurrent loans | 311.7647% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,675 |
| Noncurrent loans to loans | 0.3771% | 1,792 |
| Net loans and leases to total assets | 77.4200% | 854 |
| Net loans and leases to deposits | 89.4088% | 1,097 |
| Net loans and leases to core deposits | 99.7466% | 1,016 |
| Total domestic deposits to total assets | 86.5900% | 2,540 |
| Equity capital to assets | 7.2831% | 3,499 |
| Core capital (leverage) ratio | 8.6918% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1065% | 2,327 |
| Memoranda: | ||
| Average total assets | $761,897,600 | 1,227 |
| Average earning assets | $719,843,000 | 1,202 |
| Average equity | $58,695,400 | 1,426 |
| Average total loans | $574,225,600 | 1,067 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 2,206 |
| Cost of funding earning assets | 0.1774% | 3,545 |
| Net interest margin | 3.4687% | 1,752 |
| Noninterest income to average assets | 1.0200% | 639 |
| Noninterest expense to average assets | 3.2613% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8381% | 3,104 |
| Return on assets (ROA) | 0.8381% | 3,075 |
| Pretax return on assets | 1.0335% | 2,918 |
| Return on Equity (ROE) | 10.7300% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.2138% | 3,017 |
| Net charge-offs to loans | -0.0012% | 3,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.9356% | 1,084 |
| Assets per employee ($millions) | 4.7729% | 3,860 |
| Cash dividends to net income (ytd only)* | 51.4058% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,564 |
| Loan loss allowance to noncurrent loans | 656.5138% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,621 |
| Noncurrent loans to loans | 0.1818% | 2,677 |
| Net loans and leases to total assets | 76.6200% | 848 |
| Net loans and leases to deposits | 89.4945% | 925 |
| Net loans and leases to core deposits | 94.1143% | 1,088 |
| Total domestic deposits to total assets | 85.6200% | 3,150 |
| Equity capital to assets | 7.0133% | 3,512 |
| Core capital (leverage) ratio | 8.6521% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1161% | 2,420 |
| Memoranda: | ||
| Average total assets | $758,171,750 | 1,237 |
| Average earning assets | $716,415,000 | 1,215 |
| Average equity | $59,225,500 | 1,434 |
| Average total loans | $565,636,750 | 1,074 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 2,348 |
| Cost of funding earning assets | 0.1153% | 4,015 |
| Net interest margin | 3.3154% | 1,866 |
| Noninterest income to average assets | 1.1689% | 497 |
| Noninterest expense to average assets | 3.2822% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8205% | 2,886 |
| Return on assets (ROA) | 0.8205% | 2,858 |
| Pretax return on assets | 1.0237% | 2,642 |
| Return on Equity (ROE) | 10.1492% | 2,283 |
| Retained earnings to average equity (ytd only) | 4.4768% | 2,893 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2257% | 1,254 |
| Assets per employee ($millions) | 4.8584% | 3,805 |
| Cash dividends to net income (ytd only)* | 55.8900% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,467 |
| Loan loss allowance to noncurrent loans | 593.4440% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 2,601 |
| Noncurrent loans to loans | 0.2089% | 2,671 |
| Net loans and leases to total assets | 74.6741% | 842 |
| Net loans and leases to deposits | 81.8220% | 1,260 |
| Net loans and leases to core deposits | 83.7779% | 1,466 |
| Total domestic deposits to total assets | 91.2640% | 1,124 |
| Equity capital to assets | 7.4346% | 3,511 |
| Core capital (leverage) ratio | 8.7517% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2913% | 2,375 |
| Memoranda: | ||
| Average total assets | $753,160,667 | 1,250 |
| Average earning assets | $712,617,000 | 1,230 |
| Average equity | $60,891,667 | 1,423 |
| Average total loans | $554,315,667 | 1,085 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 2,273 |
| Cost of funding earning assets | 0.1191% | 3,909 |
| Net interest margin | 3.2175% | 1,826 |
| Noninterest income to average assets | 1.2208% | 478 |
| Noninterest expense to average assets | 3.2487% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8141% | 2,619 |
| Return on assets (ROA) | 0.8141% | 2,608 |
| Pretax return on assets | 1.0177% | 2,386 |
| Return on Equity (ROE) | 9.6725% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.6725% | 1,103 |
| Net charge-offs to loans | -0.0015% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1463% | 1,507 |
| Assets per employee ($millions) | 4.8864% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,344 |
| Loan loss allowance to noncurrent loans | 575.9259% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 2,634 |
| Noncurrent loans to loans | 0.2264% | 2,691 |
| Net loans and leases to total assets | 72.4105% | 794 |
| Net loans and leases to deposits | 79.8448% | 1,156 |
| Net loans and leases to core deposits | 81.7931% | 1,360 |
| Total domestic deposits to total assets | 90.6891% | 1,184 |
| Equity capital to assets | 8.1506% | 3,447 |
| Core capital (leverage) ratio | 9.0948% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8436% | 2,283 |
| Memoranda: | ||
| Average total assets | $748,353,500 | 1,261 |
| Average earning assets | $708,377,000 | 1,242 |
| Average equity | $62,983,000 | 1,432 |
| Average total loans | $543,100,500 | 1,094 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 2,758 |
| Cost of funding earning assets | 0.2271% | 3,175 |
| Net interest margin | 3.2407% | 2,482 |
| Noninterest income to average assets | 1.8217% | 363 |
| Noninterest expense to average assets | 3.3878% | 561 |
| Loan and lease loss provision to assets | 0.0143% | 2,798 |
| Net operating income to assets | 1.1984% | 1,928 |
| Return on assets (ROA) | 1.1985% | 1,979 |
| Pretax return on assets | 1.4913% | 1,757 |
| Return on Equity (ROE) | 12.6071% | 1,605 |
| Retained earnings to average equity (ytd only) | -0.4925% | 4,548 |
| Net charge-offs to loans | -0.0010% | 3,278 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2330% | 1,825 |
| Assets per employee ($millions) | 4.9282% | 3,799 |
| Cash dividends to net income (ytd only)* | 103.9068% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,238 |
| Loan loss allowance to noncurrent loans | 243.4797% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 1,655 |
| Noncurrent loans to loans | 0.5462% | 1,757 |
| Net loans and leases to total assets | 70.8251% | 943 |
| Net loans and leases to deposits | 78.3202% | 1,371 |
| Net loans and leases to core deposits | 80.2767% | 1,569 |
| Total domestic deposits to total assets | 90.4301% | 746 |
| Equity capital to assets | 8.6813% | 3,905 |
| Core capital (leverage) ratio | 8.8534% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9017% | 2,277 |
| Memoranda: | ||
| Average total assets | $698,368,800 | 1,290 |
| Average earning assets | $661,919,000 | 1,274 |
| Average equity | $66,391,000 | 1,406 |
| Average total loans | $525,378,800 | 1,120 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 2,845 |
| Cost of funding earning assets | 0.2531% | 3,090 |
| Net interest margin | 3.2445% | 2,598 |
| Noninterest income to average assets | 1.9917% | 357 |
| Noninterest expense to average assets | 3.4223% | 513 |
| Loan and lease loss provision to assets | 0.0194% | 2,614 |
| Net operating income to assets | 1.2989% | 1,833 |
| Return on assets (ROA) | 1.2991% | 1,891 |
| Pretax return on assets | 1.6240% | 1,631 |
| Return on Equity (ROE) | 13.3488% | 1,598 |
| Retained earnings to average equity (ytd only) | -4.0280% | 4,766 |
| Net charge-offs to loans | -0.0010% | 3,122 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5598% | 1,893 |
| Assets per employee ($millions) | 4.7392% | 3,934 |
| Cash dividends to net income (ytd only)* | 130.1751% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,236 |
| Loan loss allowance to noncurrent loans | 225.0551% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 1,712 |
| Noncurrent loans to loans | 0.5991% | 1,813 |
| Net loans and leases to total assets | 72.6196% | 813 |
| Net loans and leases to deposits | 80.4745% | 1,243 |
| Net loans and leases to core deposits | 82.5410% | 1,533 |
| Total domestic deposits to total assets | 90.2393% | 665 |
| Equity capital to assets | 8.9041% | 3,916 |
| Core capital (leverage) ratio | 8.9068% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2045% | 2,293 |
| Memoranda: | ||
| Average total assets | $685,688,000 | 1,318 |
| Average earning assets | $649,615,500 | 1,308 |
| Average equity | $66,731,000 | 1,412 |
| Average total loans | $522,299,500 | 1,146 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 2,844 |
| Cost of funding earning assets | 0.2897% | 2,878 |
| Net interest margin | 3.2257% | 2,675 |
| Noninterest income to average assets | 2.1109% | 305 |
| Noninterest expense to average assets | 3.5112% | 465 |
| Loan and lease loss provision to assets | 0.0297% | 2,381 |
| Net operating income to assets | 1.3031% | 1,857 |
| Return on assets (ROA) | 1.3033% | 1,927 |
| Pretax return on assets | 1.6291% | 1,659 |
| Return on Equity (ROE) | 12.9981% | 1,719 |
| Retained earnings to average equity (ytd only) | 8.8528% | 1,756 |
| Net charge-offs to loans | -0.0015% | 3,140 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9197% | 1,889 |
| Assets per employee ($millions) | 4.6125% | 4,004 |
| Cash dividends to net income (ytd only)* | 31.8916% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,062 |
| Loan loss allowance to noncurrent loans | 200.7299% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,652 |
| Noncurrent loans to loans | 0.6866% | 1,708 |
| Net loans and leases to total assets | 72.4953% | 907 |
| Net loans and leases to deposits | 81.2613% | 1,297 |
| Net loans and leases to core deposits | 84.0247% | 1,557 |
| Total domestic deposits to total assets | 89.2126% | 1,180 |
| Equity capital to assets | 9.8016% | 3,057 |
| Core capital (leverage) ratio | 9.9339% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9360% | 1,652 |
| Memoranda: | ||
| Average total assets | $674,132,333 | 1,330 |
| Average earning assets | $639,250,000 | 1,314 |
| Average equity | $67,594,333 | 1,396 |
| Average total loans | $519,643,000 | 1,149 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 2,698 |
| Cost of funding earning assets | 0.3391% | 2,630 |
| Net interest margin | 3.2425% | 2,569 |
| Noninterest income to average assets | 2.2396% | 311 |
| Noninterest expense to average assets | 3.4918% | 469 |
| Loan and lease loss provision to assets | 0.0608% | 1,906 |
| Net operating income to assets | 1.4085% | 1,550 |
| Return on assets (ROA) | 1.4090% | 1,618 |
| Pretax return on assets | 1.7608% | 1,377 |
| Return on Equity (ROE) | 13.8851% | 1,456 |
| Retained earnings to average equity (ytd only) | 6.3947% | 2,763 |
| Net charge-offs to loans | -0.0008% | 3,032 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7251% | 2,267 |
| Assets per employee ($millions) | 4.6629% | 3,970 |
| Cash dividends to net income (ytd only)* | 53.9457% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,082 |
| Loan loss allowance to noncurrent loans | 201.0408% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 1,803 |
| Noncurrent loans to loans | 0.6839% | 1,874 |
| Net loans and leases to total assets | 75.8218% | 643 |
| Net loans and leases to deposits | 85.2009% | 1,025 |
| Net loans and leases to core deposits | 88.8124% | 1,302 |
| Total domestic deposits to total assets | 88.9917% | 1,347 |
| Equity capital to assets | 9.9070% | 2,790 |
| Core capital (leverage) ratio | 10.1233% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7434% | 1,661 |
| Memoranda: | ||
| Average total assets | $658,339,000 | 1,340 |
| Average earning assets | $623,966,500 | 1,329 |
| Average equity | $66,805,500 | 1,399 |
| Average total loans | $520,083,000 | 1,154 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,253 |
| Cost of funding earning assets | 0.6491% | 1,995 |
| Net interest margin | 3.5124% | 2,431 |
| Noninterest income to average assets | 2.4156% | 253 |
| Noninterest expense to average assets | 3.3114% | 895 |
| Loan and lease loss provision to assets | 0.7203% | 214 |
| Net operating income to assets | 1.3654% | 1,095 |
| Return on assets (ROA) | 1.3895% | 1,137 |
| Pretax return on assets | 1.7324% | 800 |
| Return on Equity (ROE) | 13.5485% | 911 |
| Retained earnings to average equity (ytd only) | 13.5485% | 211 |
| Net charge-offs to loans | 0.2426% | 716 |
| Credit loss provision to net charge-offs | 368.2513% | 1,528 |
| Earnings coverage of net charge-offs (x) | 12.3854% | 2,337 |
| Efficiency ratio | 57.7506% | 3,760 |
| Assets per employee ($millions) | 4.6084% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 2,177 |
| Loan loss allowance to noncurrent loans | 199.9432% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 1,908 |
| Noncurrent loans to loans | 0.6772% | 1,993 |
| Net loans and leases to total assets | 80.1374% | 414 |
| Net loans and leases to deposits | 90.5224% | 890 |
| Net loans and leases to core deposits | 95.0497% | 1,179 |
| Total domestic deposits to total assets | 88.5277% | 1,208 |
| Equity capital to assets | 10.4015% | 2,755 |
| Core capital (leverage) ratio | 10.1284% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6296% | 1,648 |
| Memoranda: | ||
| Average total assets | $602,244,400 | 1,328 |
| Average earning assets | $568,978,600 | 1,309 |
| Average equity | $61,763,400 | 1,415 |
| Average total loans | $485,659,400 | 1,169 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 2,544 |
| Cost of funding earning assets | 0.7172% | 1,923 |
| Net interest margin | 3.4253% | 2,832 |
| Noninterest income to average assets | 2.4436% | 246 |
| Noninterest expense to average assets | 3.1840% | 1,096 |
| Loan and lease loss provision to assets | 0.8185% | 216 |
| Net operating income to assets | 1.3420% | 1,257 |
| Return on assets (ROA) | 1.3745% | 1,262 |
| Pretax return on assets | 1.7160% | 938 |
| Return on Equity (ROE) | 13.4547% | 986 |
| Retained earnings to average equity (ytd only) | 13.4547% | 287 |
| Net charge-offs to loans | 0.3245% | 483 |
| Credit loss provision to net charge-offs | 313.3506% | 1,723 |
| Earnings coverage of net charge-offs (x) | 9.5478% | 2,418 |
| Efficiency ratio | 56.0781% | 3,913 |
| Assets per employee ($millions) | 4.7636% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,648 |
| Loan loss allowance to noncurrent loans | 605.4234% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 3,508 |
| Noncurrent loans to loans | 0.1986% | 3,596 |
| Net loans and leases to total assets | 80.7045% | 551 |
| Net loans and leases to deposits | 97.7489% | 640 |
| Net loans and leases to core deposits | 103.0383% | 978 |
| Total domestic deposits to total assets | 82.5631% | 3,263 |
| Equity capital to assets | 9.9458% | 3,275 |
| Core capital (leverage) ratio | 10.0681% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2974% | 1,731 |
| Memoranda: | ||
| Average total assets | $592,665,000 | 1,326 |
| Average earning assets | $559,589,500 | 1,308 |
| Average equity | $60,547,250 | 1,425 |
| Average total loans | $476,980,250 | 1,179 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 2,632 |
| Cost of funding earning assets | 0.8072% | 1,792 |
| Net interest margin | 3.4330% | 2,999 |
| Noninterest income to average assets | 1.8970% | 312 |
| Noninterest expense to average assets | 3.2082% | 1,144 |
| Loan and lease loss provision to assets | 0.5705% | 573 |
| Net operating income to assets | 1.0968% | 1,976 |
| Return on assets (ROA) | 1.1472% | 1,939 |
| Pretax return on assets | 1.4251% | 1,659 |
| Return on Equity (ROE) | 11.1187% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.1187% | 583 |
| Net charge-offs to loans | 0.5231% | 308 |
| Credit loss provision to net charge-offs | 136.2729% | 2,194 |
| Earnings coverage of net charge-offs (x) | 4.6165% | 2,581 |
| Efficiency ratio | 62.4077% | 3,061 |
| Assets per employee ($millions) | 4.6451% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,169 |
| Loan loss allowance to noncurrent loans | 409.2803% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,566 |
| Noncurrent loans to loans | 0.2091% | 3,635 |
| Net loans and leases to total assets | 80.4534% | 551 |
| Net loans and leases to deposits | 92.1586% | 1,141 |
| Net loans and leases to core deposits | 97.6611% | 1,439 |
| Total domestic deposits to total assets | 87.2988% | 1,496 |
| Equity capital to assets | 9.8956% | 3,292 |
| Core capital (leverage) ratio | 9.9001% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0125% | 1,813 |
| Memoranda: | ||
| Average total assets | $574,269,667 | 1,342 |
| Average earning assets | $542,621,667 | 1,323 |
| Average equity | $59,251,667 | 1,437 |
| Average total loans | $459,571,000 | 1,194 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,697 |
| Cost of funding earning assets | 0.9556% | 1,629 |
| Net interest margin | 3.4203% | 3,236 |
| Noninterest income to average assets | 1.3297% | 507 |
| Noninterest expense to average assets | 3.3124% | 1,200 |
| Loan and lease loss provision to assets | 0.2857% | 1,090 |
| Net operating income to assets | 0.7829% | 2,962 |
| Return on assets (ROA) | 0.8521% | 2,803 |
| Pretax return on assets | 1.0455% | 2,681 |
| Return on Equity (ROE) | 8.0716% | 2,490 |
| Retained earnings to average equity (ytd only) | 8.0716% | 1,212 |
| Net charge-offs to loans | 0.5604% | 266 |
| Credit loss provision to net charge-offs | 64.2157% | 2,000 |
| Earnings coverage of net charge-offs (x) | 2.8023% | 2,255 |
| Efficiency ratio | 72.6519% | 1,979 |
| Assets per employee ($millions) | 4.1639% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,323 |
| Loan loss allowance to noncurrent loans | 262.1158% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 3,346 |
| Noncurrent loans to loans | 0.3181% | 3,353 |
| Net loans and leases to total assets | 78.1714% | 950 |
| Net loans and leases to deposits | 91.4205% | 1,350 |
| Net loans and leases to core deposits | 97.7784% | 1,655 |
| Total domestic deposits to total assets | 85.5074% | 2,208 |
| Equity capital to assets | 10.6131% | 3,221 |
| Core capital (leverage) ratio | 10.3827% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5538% | 2,056 |
| Memoranda: | ||
| Average total assets | $550,181,500 | 1,357 |
| Average earning assets | $519,488,000 | 1,332 |
| Average equity | $58,080,000 | 1,454 |
| Average total loans | $436,806,000 | 1,210 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 2,232 |
| Cost of funding earning assets | 1.1788% | 1,074 |
| Net interest margin | 3.5536% | 3,278 |
| Noninterest income to average assets | 1.2238% | 627 |
| Noninterest expense to average assets | 3.2511% | 1,405 |
| Loan and lease loss provision to assets | 0.0583% | 2,869 |
| Net operating income to assets | 1.0149% | 2,795 |
| Return on assets (ROA) | 1.0141% | 2,885 |
| Pretax return on assets | 1.2437% | 2,689 |
| Return on Equity (ROE) | 9.7026% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.7026% | 548 |
| Net charge-offs to loans | 0.0358% | 2,672 |
| Credit loss provision to net charge-offs | 201.3423% | 1,319 |
| Earnings coverage of net charge-offs (x) | 44.9866% | 1,214 |
| Efficiency ratio | 71.3889% | 1,962 |
| Assets per employee ($millions) | 4.0782% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 3,979 |
| Loan loss allowance to noncurrent loans | 330.4422% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 3,594 |
| Noncurrent loans to loans | 0.2711% | 3,479 |
| Net loans and leases to total assets | 79.2573% | 889 |
| Net loans and leases to deposits | 93.5874% | 1,196 |
| Net loans and leases to core deposits | 100.3136% | 1,536 |
| Total domestic deposits to total assets | 84.6881% | 2,612 |
| Equity capital to assets | 10.4983% | 3,444 |
| Core capital (leverage) ratio | 10.4370% | 3,022 |
| Tier 1 risk-based capital ratio | 13.4573% | 3,547 |
| Total risk-based capital ratio | 15.5929% | 3,003 |
| Memoranda: | ||
| Average total assets | $514,447,200 | 1,391 |
| Average earning assets | $482,102,000 | 1,376 |
| Average equity | $53,769,200 | 1,503 |
| Average total loans | $415,839,400 | 1,227 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 2,146 |
| Cost of funding earning assets | 1.2077% | 1,019 |
| Net interest margin | 3.5835% | 3,295 |
| Noninterest income to average assets | 1.2467% | 586 |
| Noninterest expense to average assets | 3.2115% | 1,446 |
| Loan and lease loss provision to assets | 0.0788% | 2,332 |
| Net operating income to assets | 1.0686% | 2,694 |
| Return on assets (ROA) | 1.0675% | 2,790 |
| Pretax return on assets | 1.3066% | 2,643 |
| Return on Equity (ROE) | 10.2258% | 2,342 |
| Retained earnings to average equity (ytd only) | 10.2258% | 703 |
| Net charge-offs to loans | 0.0250% | 2,602 |
| Credit loss provision to net charge-offs | 389.6104% | 783 |
| Earnings coverage of net charge-offs (x) | 68.5482% | 973 |
| Efficiency ratio | 69.8417% | 2,139 |
| Assets per employee ($millions) | 4.0488% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 4,017 |
| Loan loss allowance to noncurrent loans | 339.1602% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 3,706 |
| Noncurrent loans to loans | 0.2671% | 3,587 |
| Net loans and leases to total assets | 80.3969% | 797 |
| Net loans and leases to deposits | 98.2505% | 794 |
| Net loans and leases to core deposits | 105.6069% | 1,213 |
| Total domestic deposits to total assets | 81.8285% | 3,520 |
| Equity capital to assets | 10.3719% | 3,661 |
| Core capital (leverage) ratio | 10.4011% | 3,199 |
| Tier 1 risk-based capital ratio | 13.1120% | 3,794 |
| Total risk-based capital ratio | 15.2555% | 3,240 |
| Memoranda: | ||
| Average total assets | $507,460,500 | 1,413 |
| Average earning assets | $474,603,500 | 1,402 |
| Average equity | $52,976,000 | 1,521 |
| Average total loans | $411,356,000 | 1,250 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 2,070 |
| Cost of funding earning assets | 1.1841% | 1,033 |
| Net interest margin | 3.6107% | 3,219 |
| Noninterest income to average assets | 1.1651% | 632 |
| Noninterest expense to average assets | 3.1872% | 1,537 |
| Loan and lease loss provision to assets | 0.0752% | 2,309 |
| Net operating income to assets | 1.0449% | 2,744 |
| Return on assets (ROA) | 1.0432% | 2,827 |
| Pretax return on assets | 1.2770% | 2,644 |
| Return on Equity (ROE) | 9.9697% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.9697% | 766 |
| Net charge-offs to loans | 0.0333% | 2,200 |
| Credit loss provision to net charge-offs | 279.1045% | 938 |
| Earnings coverage of net charge-offs (x) | 50.2388% | 1,091 |
| Efficiency ratio | 70.1807% | 2,200 |
| Assets per employee ($millions) | 4.0600% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,034 |
| Loan loss allowance to noncurrent loans | 322.3244% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,617 |
| Noncurrent loans to loans | 0.2838% | 3,520 |
| Net loans and leases to total assets | 80.3560% | 828 |
| Net loans and leases to deposits | 99.6526% | 706 |
| Net loans and leases to core deposits | 104.4983% | 1,341 |
| Total domestic deposits to total assets | 80.6362% | 3,909 |
| Equity capital to assets | 10.4100% | 3,598 |
| Core capital (leverage) ratio | 10.7100% | 2,887 |
| Tier 1 risk-based capital ratio | 12.9439% | 3,869 |
| Total risk-based capital ratio | 15.0967% | 3,298 |
| Memoranda: | ||
| Average total assets | $497,118,670 | 1,438 |
| Average earning assets | $464,835,330 | 1,435 |
| Average equity | $52,017,670 | 1,537 |
| Average total loans | $402,846,670 | 1,269 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 1,859 |
| Cost of funding earning assets | 1.1813% | 950 |
| Net interest margin | 3.6346% | 3,120 |
| Noninterest income to average assets | 0.9559% | 906 |
| Noninterest expense to average assets | 3.1929% | 1,512 |
| Loan and lease loss provision to assets | 0.0617% | 2,422 |
| Net operating income to assets | 0.8992% | 3,240 |
| Return on assets (ROA) | 0.8958% | 3,303 |
| Pretax return on assets | 1.0967% | 3,163 |
| Return on Equity (ROE) | 8.5372% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.5372% | 1,477 |
| Net charge-offs to loans | 0.0173% | 2,124 |
| Credit loss provision to net charge-offs | 441.1765% | 656 |
| Earnings coverage of net charge-offs (x) | 83.0588% | 747 |
| Efficiency ratio | 73.3081% | 1,842 |
| Assets per employee ($millions) | 4.0729% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,876 |
| Loan loss allowance to noncurrent loans | 349.9077% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 3,656 |
| Noncurrent loans to loans | 0.2768% | 3,573 |
| Net loans and leases to total assets | 79.3364% | 933 |
| Net loans and leases to deposits | 95.5792% | 1,010 |
| Net loans and leases to core deposits | 100.4685% | 1,578 |
| Total domestic deposits to total assets | 83.0059% | 3,384 |
| Equity capital to assets | 10.6135% | 3,242 |
| Core capital (leverage) ratio | 10.7222% | 2,829 |
| Tier 1 risk-based capital ratio | 13.5733% | 3,570 |
| Total risk-based capital ratio | 15.8848% | 2,967 |
| Memoranda: | ||
| Average total assets | $485,835,500 | 1,473 |
| Average earning assets | $454,408,500 | 1,465 |
| Average equity | $50,977,000 | 1,554 |
| Average total loans | $393,543,500 | 1,297 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 2,225 |
| Cost of funding earning assets | 1.0109% | 722 |
| Net interest margin | 3.5611% | 3,510 |
| Noninterest income to average assets | 1.1781% | 668 |
| Noninterest expense to average assets | 3.1895% | 1,581 |
| Loan and lease loss provision to assets | 0.0480% | 3,220 |
| Net operating income to assets | 1.0488% | 2,810 |
| Return on assets (ROA) | 1.0311% | 2,872 |
| Pretax return on assets | 1.2690% | 2,621 |
| Return on Equity (ROE) | 9.9907% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.9907% | 617 |
| Net charge-offs to loans | 0.0096% | 3,352 |
| Credit loss provision to net charge-offs | 611.1111% | 566 |
| Earnings coverage of net charge-offs (x) | 170.5278% | 508 |
| Efficiency ratio | 70.4344% | 2,119 |
| Assets per employee ($millions) | 3.9911% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 3,977 |
| Loan loss allowance to noncurrent loans | 199.6259% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 2,920 |
| Noncurrent loans to loans | 0.4730% | 2,851 |
| Net loans and leases to total assets | 81.1318% | 789 |
| Net loans and leases to deposits | 99.1449% | 812 |
| Net loans and leases to core deposits | 104.0848% | 1,408 |
| Total domestic deposits to total assets | 81.8315% | 3,688 |
| Equity capital to assets | 10.3703% | 3,310 |
| Core capital (leverage) ratio | 10.6601% | 2,878 |
| Tier 1 risk-based capital ratio | 13.2216% | 3,709 |
| Total risk-based capital ratio | 15.5080% | 3,103 |
| Memoranda: | ||
| Average total assets | $458,541,000 | 1,519 |
| Average earning assets | $431,379,400 | 1,497 |
| Average equity | $47,324,200 | 1,584 |
| Average total loans | $376,006,000 | 1,321 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 2,248 |
| Cost of funding earning assets | 0.9533% | 737 |
| Net interest margin | 3.5627% | 3,482 |
| Noninterest income to average assets | 1.2397% | 622 |
| Noninterest expense to average assets | 3.2613% | 1,392 |
| Loan and lease loss provision to assets | 0.0648% | 2,673 |
| Net operating income to assets | 1.0298% | 2,965 |
| Return on assets (ROA) | 1.0290% | 2,981 |
| Pretax return on assets | 1.2695% | 2,731 |
| Return on Equity (ROE) | 9.9836% | 2,630 |
| Retained earnings to average equity (ytd only) | 9.9836% | 929 |
| Net charge-offs to loans | -0.0022% | 4,096 |
| Credit loss provision to net charge-offs | -3,666.6667% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9514% | 2,042 |
| Assets per employee ($millions) | 4.0831% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,836 |
| Loan loss allowance to noncurrent loans | 160.3822% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 2,687 |
| Noncurrent loans to loans | 0.6168% | 2,543 |
| Net loans and leases to total assets | 81.2096% | 846 |
| Net loans and leases to deposits | 100.1818% | 769 |
| Net loans and leases to core deposits | 103.8397% | 1,462 |
| Total domestic deposits to total assets | 81.0623% | 3,849 |
| Equity capital to assets | 10.3592% | 3,272 |
| Core capital (leverage) ratio | 10.6911% | 2,893 |
| Tier 1 risk-based capital ratio | 13.4126% | 3,675 |
| Total risk-based capital ratio | 15.8043% | 3,014 |
| Memoranda: | ||
| Average total assets | $452,446,750 | 1,540 |
| Average earning assets | $426,294,750 | 1,519 |
| Average equity | $46,635,250 | 1,608 |
| Average total loans | $371,123,750 | 1,334 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 2,291 |
| Cost of funding earning assets | 0.8679% | 839 |
| Net interest margin | 3.5711% | 3,407 |
| Noninterest income to average assets | 1.2716% | 597 |
| Noninterest expense to average assets | 3.3193% | 1,273 |
| Loan and lease loss provision to assets | 0.0893% | 2,133 |
| Net operating income to assets | 1.0009% | 3,015 |
| Return on assets (ROA) | 0.9998% | 3,023 |
| Pretax return on assets | 1.2296% | 2,822 |
| Return on Equity (ROE) | 9.7165% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.7165% | 1,005 |
| Net charge-offs to loans | -0.0033% | 4,023 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5440% | 2,077 |
| Assets per employee ($millions) | 4.0631% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,753 |
| Loan loss allowance to noncurrent loans | 148.5567% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,432 |
| Noncurrent loans to loans | 0.6815% | 2,407 |
| Net loans and leases to total assets | 80.7215% | 904 |
| Net loans and leases to deposits | 98.0797% | 962 |
| Net loans and leases to core deposits | 101.8519% | 1,573 |
| Total domestic deposits to total assets | 82.3019% | 3,629 |
| Equity capital to assets | 10.3541% | 3,275 |
| Core capital (leverage) ratio | 10.5985% | 2,926 |
| Tier 1 risk-based capital ratio | 13.3462% | 3,707 |
| Total risk-based capital ratio | 15.7856% | 3,019 |
| Memoranda: | ||
| Average total assets | $448,103,000 | 1,558 |
| Average earning assets | $422,617,670 | 1,537 |
| Average equity | $46,107,000 | 1,631 |
| Average total loans | $367,568,330 | 1,345 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,410 |
| Cost of funding earning assets | 0.7853% | 1,017 |
| Net interest margin | 3.5465% | 3,358 |
| Noninterest income to average assets | 1.2037% | 637 |
| Noninterest expense to average assets | 3.2702% | 1,406 |
| Loan and lease loss provision to assets | 0.0720% | 2,323 |
| Net operating income to assets | 0.9864% | 2,907 |
| Return on assets (ROA) | 0.9842% | 2,950 |
| Pretax return on assets | 1.2109% | 2,709 |
| Return on Equity (ROE) | 9.5962% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.5962% | 1,286 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7812% | 2,222 |
| Assets per employee ($millions) | 4.1477% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,048 |
| Loan loss allowance to noncurrent loans | 137.3818% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 2,392 |
| Noncurrent loans to loans | 0.7159% | 2,423 |
| Net loans and leases to total assets | 81.6072% | 710 |
| Net loans and leases to deposits | 100.3442% | 680 |
| Net loans and leases to core deposits | 104.6655% | 1,332 |
| Total domestic deposits to total assets | 81.3273% | 4,128 |
| Equity capital to assets | 10.2430% | 3,346 |
| Core capital (leverage) ratio | 10.6120% | 2,840 |
| Tier 1 risk-based capital ratio | 13.0661% | 3,917 |
| Total risk-based capital ratio | 15.4853% | 3,182 |
| Memoranda: | ||
| Average total assets | $444,621,000 | 1,579 |
| Average earning assets | $420,241,000 | 1,554 |
| Average equity | $45,601,500 | 1,656 |
| Average total loans | $365,805,500 | 1,353 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,494 |
| Cost of funding earning assets | 0.7753% | 715 |
| Net interest margin | 3.4746% | 3,612 |
| Noninterest income to average assets | 1.2936% | 634 |
| Noninterest expense to average assets | 3.2487% | 1,510 |
| Loan and lease loss provision to assets | 0.1124% | 2,021 |
| Net operating income to assets | 0.8063% | 3,127 |
| Return on assets (ROA) | 0.8065% | 3,171 |
| Pretax return on assets | 1.1976% | 2,780 |
| Return on Equity (ROE) | 8.9548% | 2,338 |
| Retained earnings to average equity (ytd only) | 8.9548% | 520 |
| Net charge-offs to loans | 0.0087% | 3,780 |
| Credit loss provision to net charge-offs | 1,576.6667% | 251 |
| Earnings coverage of net charge-offs (x) | 183.7333% | 422 |
| Efficiency ratio | 71.2677% | 2,343 |
| Assets per employee ($millions) | 4.1631% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,053 |
| Loan loss allowance to noncurrent loans | 140.8568% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 2,413 |
| Noncurrent loans to loans | 0.6956% | 2,470 |
| Net loans and leases to total assets | 81.3224% | 774 |
| Net loans and leases to deposits | 98.8372% | 835 |
| Net loans and leases to core deposits | 102.7786% | 1,505 |
| Total domestic deposits to total assets | 82.2792% | 3,791 |
| Equity capital to assets | 10.2697% | 3,415 |
| Core capital (leverage) ratio | 10.3768% | 2,990 |
| Tier 1 risk-based capital ratio | 12.9793% | 3,913 |
| Total risk-based capital ratio | 15.4191% | 3,172 |
| Memoranda: | ||
| Average total assets | $420,843,600 | 1,631 |
| Average earning assets | $395,438,000 | 1,609 |
| Average equity | $37,901,600 | 1,934 |
| Average total loans | $344,901,600 | 1,392 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,625 |
| Cost of funding earning assets | 0.7725% | 676 |
| Net interest margin | 3.4250% | 3,761 |
| Noninterest income to average assets | 1.3528% | 573 |
| Noninterest expense to average assets | 3.3232% | 1,291 |
| Loan and lease loss provision to assets | 0.1357% | 1,590 |
| Net operating income to assets | 0.7772% | 3,609 |
| Return on assets (ROA) | 0.7774% | 3,660 |
| Pretax return on assets | 1.1090% | 3,268 |
| Return on Equity (ROE) | 8.9658% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.9658% | 850 |
| Net charge-offs to loans | 0.0102% | 3,368 |
| Credit loss provision to net charge-offs | 1,626.9231% | 236 |
| Earnings coverage of net charge-offs (x) | 149.2126% | 539 |
| Efficiency ratio | 72.7566% | 2,083 |
| Assets per employee ($millions) | 4.0703% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,211 |
| Loan loss allowance to noncurrent loans | 131.9157% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 2,394 |
| Noncurrent loans to loans | 0.7392% | 2,511 |
| Net loans and leases to total assets | 81.7258% | 738 |
| Net loans and leases to deposits | 100.3032% | 724 |
| Net loans and leases to core deposits | 104.9937% | 1,334 |
| Total domestic deposits to total assets | 81.4787% | 3,923 |
| Equity capital to assets | 10.2550% | 3,629 |
| Core capital (leverage) ratio | 10.3745% | 3,108 |
| Tier 1 risk-based capital ratio | 13.0432% | 3,979 |
| Total risk-based capital ratio | 15.5383% | 3,208 |
| Memoranda: | ||
| Average total assets | $415,732,250 | 1,662 |
| Average earning assets | $390,217,500 | 1,642 |
| Average equity | $36,047,250 | 2,030 |
| Average total loans | $340,522,500 | 1,415 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 2,782 |
| Cost of funding earning assets | 0.7409% | 720 |
| Net interest margin | 3.3722% | 3,867 |
| Noninterest income to average assets | 1.3458% | 584 |
| Noninterest expense to average assets | 3.4243% | 1,122 |
| Loan and lease loss provision to assets | 0.1320% | 1,583 |
| Net operating income to assets | 0.6643% | 4,003 |
| Return on assets (ROA) | 0.6643% | 4,061 |
| Pretax return on assets | 0.9532% | 3,755 |
| Return on Equity (ROE) | 8.1928% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.1928% | 1,088 |
| Net charge-offs to loans | 0.0048% | 3,306 |
| Credit loss provision to net charge-offs | 3,375.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 277.5000% | 312 |
| Efficiency ratio | 75.9350% | 1,725 |
| Assets per employee ($millions) | 4.0557% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,411 |
| Loan loss allowance to noncurrent loans | 168.1637% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 2,988 |
| Noncurrent loans to loans | 0.5661% | 3,039 |
| Net loans and leases to total assets | 81.5669% | 734 |
| Net loans and leases to deposits | 104.7074% | 458 |
| Net loans and leases to core deposits | 108.7874% | 1,067 |
| Total domestic deposits to total assets | 77.8999% | 4,832 |
| Equity capital to assets | 7.9578% | 5,554 |
| Core capital (leverage) ratio | 8.2954% | 5,360 |
| Tier 1 risk-based capital ratio | 10.0426% | 5,618 |
| Total risk-based capital ratio | 12.5188% | 4,991 |
| Memoranda: | ||
| Average total assets | $409,134,330 | 1,682 |
| Average earning assets | $383,848,000 | 1,669 |
| Average equity | $33,175,330 | 2,181 |
| Average total loans | $334,216,000 | 1,440 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 2,687 |
| Cost of funding earning assets | 0.7142% | 782 |
| Net interest margin | 3.3762% | 3,730 |
| Noninterest income to average assets | 1.1827% | 728 |
| Noninterest expense to average assets | 3.3214% | 1,344 |
| Loan and lease loss provision to assets | 0.1535% | 1,199 |
| Net operating income to assets | 0.6069% | 4,130 |
| Return on assets (ROA) | 0.6069% | 4,182 |
| Pretax return on assets | 0.8707% | 3,865 |
| Return on Equity (ROE) | 7.4102% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.4102% | 1,691 |
| Net charge-offs to loans | 0.0099% | 2,636 |
| Credit loss provision to net charge-offs | 1,912.5000% | 181 |
| Earnings coverage of net charge-offs (x) | 127.6250% | 429 |
| Efficiency ratio | 76.4312% | 1,847 |
| Assets per employee ($millions) | 3.7809% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 4,273 |
| Loan loss allowance to noncurrent loans | 156.5448% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,821 |
| Noncurrent loans to loans | 0.6396% | 2,905 |
| Net loans and leases to total assets | 80.2523% | 806 |
| Net loans and leases to deposits | 98.4644% | 730 |
| Net loans and leases to core deposits | 102.3038% | 1,349 |
| Total domestic deposits to total assets | 81.5038% | 4,296 |
| Equity capital to assets | 8.2569% | 5,380 |
| Core capital (leverage) ratio | 8.4167% | 5,282 |
| Tier 1 risk-based capital ratio | 10.4057% | 5,585 |
| Total risk-based capital ratio | 12.9971% | 4,786 |
| Memoranda: | ||
| Average total assets | $398,748,000 | 1,737 |
| Average earning assets | $373,557,000 | 1,720 |
| Average equity | $32,657,500 | 2,207 |
| Average total loans | $324,308,000 | 1,489 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 2,977 |
| Cost of funding earning assets | 0.7624% | 599 |
| Net interest margin | 3.3015% | 4,142 |
| Noninterest income to average assets | 1.5423% | 509 |
| Noninterest expense to average assets | 3.3102% | 1,550 |
| Loan and lease loss provision to assets | 0.2620% | 786 |
| Net operating income to assets | 0.7511% | 3,530 |
| Return on assets (ROA) | 0.7644% | 3,577 |
| Pretax return on assets | 1.0881% | 3,151 |
| Return on Equity (ROE) | 9.2626% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.2626% | 531 |
| Net charge-offs to loans | 0.0900% | 2,410 |
| Credit loss provision to net charge-offs | 370.8955% | 846 |
| Earnings coverage of net charge-offs (x) | 18.8433% | 1,943 |
| Efficiency ratio | 71.3199% | 2,691 |
| Assets per employee ($millions) | 3.7426% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 4,525 |
| Loan loss allowance to noncurrent loans | 109.1675% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 2,334 |
| Noncurrent loans to loans | 0.8794% | 2,344 |
| Net loans and leases to total assets | 80.8185% | 766 |
| Net loans and leases to deposits | 99.4735% | 705 |
| Net loans and leases to core deposits | 103.6257% | 1,313 |
| Total domestic deposits to total assets | 81.2463% | 4,275 |
| Equity capital to assets | 8.1224% | 5,506 |
| Core capital (leverage) ratio | 8.2075% | 5,503 |
| Tier 1 risk-based capital ratio | 10.3385% | 5,644 |
| Total risk-based capital ratio | 12.9192% | 4,850 |
| Memoranda: | ||
| Average total assets | $379,371,400 | 1,768 |
| Average earning assets | $356,107,000 | 1,743 |
| Average equity | $31,308,600 | 2,271 |
| Average total loans | $297,934,600 | 1,529 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,069 |
| Cost of funding earning assets | 0.7673% | 590 |
| Net interest margin | 3.2733% | 4,273 |
| Noninterest income to average assets | 1.6638% | 448 |
| Noninterest expense to average assets | 3.3052% | 1,552 |
| Loan and lease loss provision to assets | 0.2467% | 772 |
| Net operating income to assets | 0.8289% | 3,241 |
| Return on assets (ROA) | 0.8468% | 3,284 |
| Pretax return on assets | 1.2116% | 2,788 |
| Return on Equity (ROE) | 10.2185% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.2185% | 534 |
| Net charge-offs to loans | 0.1372% | 1,610 |
| Credit loss provision to net charge-offs | 231.3333% | 1,274 |
| Earnings coverage of net charge-offs (x) | 13.4333% | 2,310 |
| Efficiency ratio | 69.7606% | 2,922 |
| Assets per employee ($millions) | 3.8977% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,001 |
| Loan loss allowance to noncurrent loans | 83.0640% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8406% | 2,445 |
| Noncurrent loans to loans | 1.0385% | 2,165 |
| Net loans and leases to total assets | 80.2468% | 853 |
| Net loans and leases to deposits | 101.4559% | 612 |
| Net loans and leases to core deposits | 105.8402% | 1,197 |
| Total domestic deposits to total assets | 79.0952% | 4,697 |
| Equity capital to assets | 8.2115% | 5,667 |
| Core capital (leverage) ratio | 8.2928% | 5,503 |
| Tier 1 risk-based capital ratio | 10.3573% | 5,675 |
| Total risk-based capital ratio | 12.8804% | 4,927 |
| Memoranda: | ||
| Average total assets | $375,035,250 | 1,785 |
| Average earning assets | $352,211,000 | 1,765 |
| Average equity | $31,080,000 | 2,299 |
| Average total loans | $291,486,250 | 1,560 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,039 |
| Cost of funding earning assets | 0.7736% | 558 |
| Net interest margin | 3.2823% | 4,282 |
| Noninterest income to average assets | 1.5634% | 499 |
| Noninterest expense to average assets | 3.3445% | 1,497 |
| Loan and lease loss provision to assets | 0.2144% | 983 |
| Net operating income to assets | 0.7697% | 3,448 |
| Return on assets (ROA) | 0.7956% | 3,470 |
| Pretax return on assets | 1.1210% | 3,122 |
| Return on Equity (ROE) | 9.5687% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.5687% | 697 |
| Net charge-offs to loans | 0.2139% | 1,099 |
| Credit loss provision to net charge-offs | 130.8970% | 1,765 |
| Earnings coverage of net charge-offs (x) | 7.9302% | 2,569 |
| Efficiency ratio | 72.0263% | 2,652 |
| Assets per employee ($millions) | 3.7075% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 5,144 |
| Loan loss allowance to noncurrent loans | 100.3243% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 2,888 |
| Noncurrent loans to loans | 0.8429% | 2,638 |
| Net loans and leases to total assets | 77.4965% | 1,258 |
| Net loans and leases to deposits | 97.9710% | 894 |
| Net loans and leases to core deposits | 102.8218% | 1,414 |
| Total domestic deposits to total assets | 79.1015% | 4,756 |
| Equity capital to assets | 8.4496% | 5,626 |
| Core capital (leverage) ratio | 8.3764% | 5,465 |
| Tier 1 risk-based capital ratio | 10.9735% | 5,433 |
| Total risk-based capital ratio | 13.6244% | 4,523 |
| Memoranda: | ||
| Average total assets | $367,525,330 | 1,823 |
| Average earning assets | $344,881,330 | 1,803 |
| Average equity | $30,558,000 | 2,335 |
| Average total loans | $281,378,670 | 1,610 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 3,056 |
| Cost of funding earning assets | 0.7697% | 578 |
| Net interest margin | 3.2738% | 4,322 |
| Noninterest income to average assets | 1.3558% | 602 |
| Noninterest expense to average assets | 3.2896% | 1,629 |
| Loan and lease loss provision to assets | 0.1483% | 1,426 |
| Net operating income to assets | 0.7097% | 3,665 |
| Return on assets (ROA) | 0.7416% | 3,633 |
| Pretax return on assets | 1.0427% | 3,313 |
| Return on Equity (ROE) | 8.9949% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.9949% | 1,117 |
| Net charge-offs to loans | -0.0015% | 4,097 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1640% | 2,447 |
| Assets per employee ($millions) | 3.7600% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,066 |
| Loan loss allowance to noncurrent loans | 96.8089% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 2,649 |
| Noncurrent loans to loans | 0.9273% | 2,528 |
| Net loans and leases to total assets | 75.4389% | 1,477 |
| Net loans and leases to deposits | 95.2651% | 1,014 |
| Net loans and leases to core deposits | 99.9579% | 1,487 |
| Total domestic deposits to total assets | 79.1884% | 4,925 |
| Equity capital to assets | 8.2849% | 5,703 |
| Core capital (leverage) ratio | 8.4057% | 5,474 |
| Tier 1 risk-based capital ratio | 10.9023% | 5,550 |
| Total risk-based capital ratio | 13.6259% | 4,568 |
| Memoranda: | ||
| Average total assets | $364,059,500 | 1,845 |
| Average earning assets | $342,472,500 | 1,819 |
| Average equity | $30,017,000 | 2,366 |
| Average total loans | $275,735,000 | 1,635 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 2,895 |
| Cost of funding earning assets | 0.8205% | 440 |
| Net interest margin | 3.2841% | 4,359 |
| Noninterest income to average assets | 1.3099% | 707 |
| Noninterest expense to average assets | 3.4172% | 1,454 |
| Loan and lease loss provision to assets | 0.1218% | 1,966 |
| Net operating income to assets | 0.6001% | 4,265 |
| Return on assets (ROA) | 0.6005% | 4,367 |
| Pretax return on assets | 0.8385% | 4,076 |
| Return on Equity (ROE) | 6.7481% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.7041% | 1,437 |
| Net charge-offs to loans | 0.2284% | 1,303 |
| Credit loss provision to net charge-offs | 68.9949% | 3,139 |
| Earnings coverage of net charge-offs (x) | 5.4344% | 3,389 |
| Efficiency ratio | 78.0726% | 1,956 |
| Assets per employee ($millions) | 3.7463% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.6513% | 4,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 5,161 |
| Loan loss allowance to noncurrent loans | 79.4795% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 2,410 |
| Noncurrent loans to loans | 1.1060% | 2,127 |
| Net loans and leases to total assets | 74.6840% | 1,613 |
| Net loans and leases to deposits | 91.2062% | 1,488 |
| Net loans and leases to core deposits | 95.4424% | 1,899 |
| Total domestic deposits to total assets | 81.8848% | 4,196 |
| Equity capital to assets | 8.2043% | 5,756 |
| Core capital (leverage) ratio | 8.5530% | 5,372 |
| Tier 1 risk-based capital ratio | 10.8983% | 5,575 |
| Total risk-based capital ratio | 13.6348% | 4,601 |
| Memoranda: | ||
| Average total assets | $332,380,000 | 1,979 |
| Average earning assets | $310,403,800 | 1,953 |
| Average equity | $29,578,800 | 2,349 |
| Average total loans | $257,022,800 | 1,686 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 2,636 |
| Cost of funding earning assets | 0.8274% | 431 |
| Net interest margin | 3.3556% | 4,124 |
| Noninterest income to average assets | 1.3224% | 696 |
| Noninterest expense to average assets | 3.4696% | 1,346 |
| Loan and lease loss provision to assets | 0.1106% | 2,038 |
| Net operating income to assets | 0.6151% | 4,306 |
| Return on assets (ROA) | 0.6151% | 4,415 |
| Pretax return on assets | 0.8666% | 4,109 |
| Return on Equity (ROE) | 6.7663% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.7077% | 1,829 |
| Net charge-offs to loans | 0.3119% | 859 |
| Credit loss provision to net charge-offs | 45.5312% | 3,089 |
| Earnings coverage of net charge-offs (x) | 4.0236% | 3,413 |
| Efficiency ratio | 78.0254% | 1,939 |
| Assets per employee ($millions) | 3.6420% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.8654% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 5,272 |
| Loan loss allowance to noncurrent loans | 57.6982% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 1,959 |
| Noncurrent loans to loans | 1.5290% | 1,637 |
| Net loans and leases to total assets | 73.5464% | 1,811 |
| Net loans and leases to deposits | 91.8448% | 1,428 |
| Net loans and leases to core deposits | 96.4498% | 1,847 |
| Total domestic deposits to total assets | 80.0769% | 4,730 |
| Equity capital to assets | 8.4992% | 5,711 |
| Core capital (leverage) ratio | 8.4880% | 5,557 |
| Tier 1 risk-based capital ratio | 11.4044% | 5,423 |
| Total risk-based capital ratio | 14.2628% | 4,346 |
| Memoranda: | ||
| Average total assets | $325,564,500 | 2,033 |
| Average earning assets | $303,125,000 | 2,017 |
| Average equity | $29,597,000 | 2,360 |
| Average total loans | $253,534,250 | 1,714 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 2,453 |
| Cost of funding earning assets | 0.8040% | 488 |
| Net interest margin | 3.4212% | 3,827 |
| Noninterest income to average assets | 1.3520% | 673 |
| Noninterest expense to average assets | 3.5466% | 1,225 |
| Loan and lease loss provision to assets | 0.0844% | 2,431 |
| Net operating income to assets | 0.6444% | 4,149 |
| Return on assets (ROA) | 0.6444% | 4,258 |
| Pretax return on assets | 0.9076% | 3,931 |
| Return on Equity (ROE) | 6.9279% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.8406% | 1,776 |
| Net charge-offs to loans | 0.3181% | 830 |
| Credit loss provision to net charge-offs | 33.4988% | 2,885 |
| Earnings coverage of net charge-offs (x) | 3.9380% | 3,115 |
| Efficiency ratio | 78.1435% | 2,046 |
| Assets per employee ($millions) | 3.7872% | 4,271 |
| Cash dividends to net income (ytd only)* | 1.2609% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 5,366 |
| Loan loss allowance to noncurrent loans | 113.4387% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 3,668 |
| Noncurrent loans to loans | 0.7768% | 3,168 |
| Net loans and leases to total assets | 74.1261% | 1,641 |
| Net loans and leases to deposits | 96.4245% | 921 |
| Net loans and leases to core deposits | 101.9235% | 1,332 |
| Total domestic deposits to total assets | 76.8748% | 5,476 |
| Equity capital to assets | 8.0836% | 5,940 |
| Core capital (leverage) ratio | 8.4860% | 5,546 |
| Tier 1 risk-based capital ratio | 10.9428% | 5,742 |
| Total risk-based capital ratio | 13.7597% | 4,715 |
| Memoranda: | ||
| Average total assets | $319,969,000 | 2,074 |
| Average earning assets | $298,022,000 | 2,058 |
| Average equity | $29,763,670 | 2,356 |
| Average total loans | $253,369,670 | 1,723 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 2,032 |
| Cost of funding earning assets | 0.7418% | 687 |
| Net interest margin | 3.5768% | 3,094 |
| Noninterest income to average assets | 1.3842% | 606 |
| Noninterest expense to average assets | 3.5965% | 1,142 |
| Loan and lease loss provision to assets | 0.1177% | 1,753 |
| Net operating income to assets | 0.6986% | 3,808 |
| Return on assets (ROA) | 0.6986% | 3,936 |
| Pretax return on assets | 1.0008% | 3,504 |
| Return on Equity (ROE) | 6.9888% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.8187% | 2,090 |
| Net charge-offs to loans | -0.0176% | 4,985 |
| Credit loss provision to net charge-offs | -818.1818% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2764% | 2,475 |
| Assets per employee ($millions) | 3.4584% | 4,974 |
| Cash dividends to net income (ytd only)* | 2.4345% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 4,766 |
| Loan loss allowance to noncurrent loans | 117.0400% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 3,299 |
| Noncurrent loans to loans | 0.8962% | 2,994 |
| Net loans and leases to total assets | 80.7695% | 600 |
| Net loans and leases to deposits | 98.5280% | 644 |
| Net loans and leases to core deposits | 103.0653% | 1,114 |
| Total domestic deposits to total assets | 81.9762% | 4,514 |
| Equity capital to assets | 9.0958% | 5,198 |
| Core capital (leverage) ratio | 9.2792% | 4,612 |
| Tier 1 risk-based capital ratio | 11.0518% | 5,781 |
| Total risk-based capital ratio | 14.0950% | 4,615 |
| Memoranda: | ||
| Average total assets | $305,743,000 | 2,162 |
| Average earning assets | $284,720,500 | 2,144 |
| Average equity | $30,563,000 | 2,315 |
| Average total loans | $249,771,000 | 1,746 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,328 |
| Cost of funding earning assets | 0.7090% | 1,052 |
| Net interest margin | 3.6591% | 3,186 |
| Noninterest income to average assets | 0.9709% | 1,285 |
| Noninterest expense to average assets | 3.3693% | 1,762 |
| Loan and lease loss provision to assets | 0.0868% | 2,734 |
| Net operating income to assets | 0.6496% | 4,147 |
| Return on assets (ROA) | 0.6525% | 4,234 |
| Pretax return on assets | 0.9353% | 3,762 |
| Return on Equity (ROE) | 6.0839% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.9226% | 1,971 |
| Net charge-offs to loans | -0.0013% | 5,354 |
| Credit loss provision to net charge-offs | -8,533.3333% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7952% | 2,392 |
| Assets per employee ($millions) | 3.3734% | 5,123 |
| Cash dividends to net income (ytd only)* | 2.6507% | 4,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 4,832 |
| Loan loss allowance to noncurrent loans | 114.7717% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 3,348 |
| Noncurrent loans to loans | 0.9101% | 3,044 |
| Net loans and leases to total assets | 80.9090% | 633 |
| Net loans and leases to deposits | 98.0045% | 757 |
| Net loans and leases to core deposits | 102.9973% | 1,184 |
| Total domestic deposits to total assets | 82.5564% | 4,231 |
| Equity capital to assets | 10.9299% | 2,973 |
| Core capital (leverage) ratio | 10.8047% | 2,608 |
| Tier 1 risk-based capital ratio | 13.1078% | 4,650 |
| Total risk-based capital ratio | 14.1437% | 4,712 |
| Memoranda: | ||
| Average total assets | $294,872,400 | 2,184 |
| Average earning assets | $275,311,000 | 2,163 |
| Average equity | $31,624,600 | 2,183 |
| Average total loans | $238,184,400 | 1,773 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,611 |
| Cost of funding earning assets | 0.6959% | 1,168 |
| Net interest margin | 3.6088% | 3,393 |
| Noninterest income to average assets | 0.9866% | 1,262 |
| Noninterest expense to average assets | 3.2568% | 2,004 |
| Loan and lease loss provision to assets | 0.0890% | 2,575 |
| Net operating income to assets | 0.7039% | 3,923 |
| Return on assets (ROA) | 0.7077% | 4,006 |
| Pretax return on assets | 1.0170% | 3,532 |
| Return on Equity (ROE) | 6.6310% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.4650% | 2,124 |
| Net charge-offs to loans | -0.0039% | 5,267 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7420% | 2,694 |
| Assets per employee ($millions) | 3.5137% | 4,835 |
| Cash dividends to net income (ytd only)* | 2.5033% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 5,121 |
| Loan loss allowance to noncurrent loans | 94.6772% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 3,241 |
| Noncurrent loans to loans | 1.0774% | 2,919 |
| Net loans and leases to total assets | 80.5346% | 655 |
| Net loans and leases to deposits | 102.3867% | 481 |
| Net loans and leases to core deposits | 108.0294% | 849 |
| Total domestic deposits to total assets | 78.6572% | 5,403 |
| Equity capital to assets | 10.6942% | 3,313 |
| Core capital (leverage) ratio | 10.8415% | 2,645 |
| Tier 1 risk-based capital ratio | 12.8718% | 4,937 |
| Total risk-based capital ratio | 13.8799% | 5,000 |
| Memoranda: | ||
| Average total assets | $293,532,750 | 2,206 |
| Average earning assets | $274,178,000 | 2,180 |
| Average equity | $31,327,000 | 2,209 |
| Average total loans | $236,361,000 | 1,791 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,682 |
| Cost of funding earning assets | 0.6880% | 1,252 |
| Net interest margin | 3.5878% | 3,414 |
| Noninterest income to average assets | 0.9221% | 1,418 |
| Noninterest expense to average assets | 3.2644% | 2,011 |
| Loan and lease loss provision to assets | 0.0936% | 2,461 |
| Net operating income to assets | 0.6419% | 4,143 |
| Return on assets (ROA) | 0.6448% | 4,225 |
| Pretax return on assets | 0.9269% | 3,775 |
| Return on Equity (ROE) | 6.0457% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.8779% | 2,395 |
| Net charge-offs to loans | -0.0060% | 5,207 |
| Credit loss provision to net charge-offs | -1,942.8571% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2578% | 2,574 |
| Assets per employee ($millions) | 3.7174% | 4,423 |
| Cash dividends to net income (ytd only)* | 2.7748% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 5,258 |
| Loan loss allowance to noncurrent loans | 130.2128% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 4,078 |
| Noncurrent loans to loans | 0.7848% | 3,737 |
| Net loans and leases to total assets | 79.7295% | 720 |
| Net loans and leases to deposits | 99.6415% | 575 |
| Net loans and leases to core deposits | 105.1789% | 950 |
| Total domestic deposits to total assets | 80.0163% | 5,233 |
| Equity capital to assets | 10.6401% | 3,267 |
| Core capital (leverage) ratio | 10.8191% | 2,607 |
| Tier 1 risk-based capital ratio | 12.9763% | 4,924 |
| Total risk-based capital ratio | 13.9886% | 5,013 |
| Memoranda: | ||
| Average total assets | $290,649,670 | 2,221 |
| Average earning assets | $272,088,670 | 2,195 |
| Average equity | $30,997,330 | 2,215 |
| Average total loans | $233,191,670 | 1,801 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 2,632 |
| Cost of funding earning assets | 0.6877% | 1,325 |
| Net interest margin | 3.5824% | 3,324 |
| Noninterest income to average assets | 0.7756% | 1,854 |
| Noninterest expense to average assets | 3.2303% | 2,126 |
| Loan and lease loss provision to assets | 0.1337% | 1,811 |
| Net operating income to assets | 0.5358% | 4,527 |
| Return on assets (ROA) | 0.5416% | 4,568 |
| Pretax return on assets | 0.7783% | 4,188 |
| Return on Equity (ROE) | 5.0726% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.9031% | 3,168 |
| Net charge-offs to loans | -0.0017% | 4,692 |
| Credit loss provision to net charge-offs | -9,600.0000% | 5,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1408% | 2,457 |
| Assets per employee ($millions) | 3.8165% | 4,289 |
| Cash dividends to net income (ytd only)* | 3.3419% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 5,393 |
| Loan loss allowance to noncurrent loans | 170.3546% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 4,684 |
| Noncurrent loans to loans | 0.6064% | 4,343 |
| Net loans and leases to total assets | 79.3306% | 620 |
| Net loans and leases to deposits | 97.1239% | 587 |
| Net loans and leases to core deposits | 102.3608% | 963 |
| Total domestic deposits to total assets | 81.6798% | 5,032 |
| Equity capital to assets | 10.6627% | 3,079 |
| Core capital (leverage) ratio | 10.8574% | 2,535 |
| Tier 1 risk-based capital ratio | 13.0583% | 4,974 |
| Total risk-based capital ratio | 14.0753% | 5,051 |
| Memoranda: | ||
| Average total assets | $287,278,000 | 2,252 |
| Average earning assets | $269,317,000 | 2,223 |
| Average equity | $30,674,500 | 2,229 |
| Average total loans | $230,008,500 | 1,825 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,906 |
| Cost of funding earning assets | 0.7652% | 1,411 |
| Net interest margin | 3.5480% | 3,694 |
| Noninterest income to average assets | 0.9160% | 1,626 |
| Noninterest expense to average assets | 3.1523% | 2,579 |
| Loan and lease loss provision to assets | 0.1708% | 2,148 |
| Net operating income to assets | 0.6407% | 4,070 |
| Return on assets (ROA) | 0.6563% | 4,105 |
| Pretax return on assets | 0.9396% | 3,598 |
| Return on Equity (ROE) | 6.2382% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.0671% | 1,930 |
| Net charge-offs to loans | 0.1790% | 3,031 |
| Credit loss provision to net charge-offs | 121.3033% | 1,961 |
| Earnings coverage of net charge-offs (x) | 7.7293% | 2,791 |
| Efficiency ratio | 74.3385% | 3,075 |
| Assets per employee ($millions) | 3.6948% | 4,489 |
| Cash dividends to net income (ytd only)* | 2.7419% | 4,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 5,501 |
| Loan loss allowance to noncurrent loans | 160.5153% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 3,851 |
| Noncurrent loans to loans | 0.6312% | 4,403 |
| Net loans and leases to total assets | 79.1588% | 690 |
| Net loans and leases to deposits | 91.9317% | 1,057 |
| Net loans and leases to core deposits | 96.7101% | 1,405 |
| Total domestic deposits to total assets | 86.1061% | 3,200 |
| Equity capital to assets | 10.6928% | 2,940 |
| Core capital (leverage) ratio | 10.8413% | 2,534 |
| Tier 1 risk-based capital ratio | 13.1591% | 4,879 |
| Total risk-based capital ratio | 14.1553% | 4,990 |
| Memoranda: | ||
| Average total assets | $283,408,200 | 2,246 |
| Average earning assets | $265,561,400 | 2,214 |
| Average equity | $29,816,400 | 2,263 |
| Average total loans | $222,890,200 | 1,836 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 3,049 |
| Cost of funding earning assets | 0.7762% | 1,450 |
| Net interest margin | 3.5113% | 3,830 |
| Noninterest income to average assets | 0.9475% | 1,610 |
| Noninterest expense to average assets | 3.0623% | 2,781 |
| Loan and lease loss provision to assets | 0.2124% | 1,715 |
| Net operating income to assets | 0.6671% | 4,029 |
| Return on assets (ROA) | 0.6875% | 4,058 |
| Pretax return on assets | 0.9917% | 3,536 |
| Return on Equity (ROE) | 6.5620% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.3911% | 2,191 |
| Net charge-offs to loans | 0.1804% | 2,783 |
| Credit loss provision to net charge-offs | 150.3333% | 1,563 |
| Earnings coverage of net charge-offs (x) | 8.3133% | 2,639 |
| Efficiency ratio | 72.2796% | 3,351 |
| Assets per employee ($millions) | 3.8050% | 4,230 |
| Cash dividends to net income (ytd only)* | 2.6030% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,515 |
| Loan loss allowance to noncurrent loans | 97.3717% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8533% | 3,982 |
| Noncurrent loans to loans | 1.0817% | 3,635 |
| Net loans and leases to total assets | 78.0490% | 738 |
| Net loans and leases to deposits | 94.1593% | 822 |
| Net loans and leases to core deposits | 98.8426% | 1,181 |
| Total domestic deposits to total assets | 82.8903% | 4,622 |
| Equity capital to assets | 10.5468% | 3,221 |
| Core capital (leverage) ratio | 10.6346% | 2,853 |
| Tier 1 risk-based capital ratio | 13.1041% | 5,052 |
| Total risk-based capital ratio | 14.1394% | 5,133 |
| Memoranda: | ||
| Average total assets | $283,135,500 | 2,258 |
| Average earning assets | $265,233,250 | 2,221 |
| Average equity | $29,665,250 | 2,291 |
| Average total loans | $221,735,000 | 1,850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 3,144 |
| Cost of funding earning assets | 0.7890% | 1,478 |
| Net interest margin | 3.4641% | 3,945 |
| Noninterest income to average assets | 1.0100% | 1,505 |
| Noninterest expense to average assets | 2.9909% | 3,026 |
| Loan and lease loss provision to assets | 0.2337% | 1,594 |
| Net operating income to assets | 0.7235% | 3,699 |
| Return on assets (ROA) | 0.7543% | 3,695 |
| Pretax return on assets | 1.0886% | 3,139 |
| Return on Equity (ROE) | 7.2152% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.0391% | 1,877 |
| Net charge-offs to loans | -0.0063% | 5,680 |
| Credit loss provision to net charge-offs | -4,714.2857% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0680% | 3,811 |
| Assets per employee ($millions) | 3.9061% | 4,005 |
| Cash dividends to net income (ytd only)* | 2.4413% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,346 |
| Loan loss allowance to noncurrent loans | 82.2980% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 3,554 |
| Noncurrent loans to loans | 1.3680% | 3,268 |
| Net loans and leases to total assets | 78.7519% | 663 |
| Net loans and leases to deposits | 97.5406% | 565 |
| Net loans and leases to core deposits | 100.9504% | 1,012 |
| Total domestic deposits to total assets | 80.7376% | 5,415 |
| Equity capital to assets | 10.3975% | 3,431 |
| Core capital (leverage) ratio | 10.7319% | 2,636 |
| Tier 1 risk-based capital ratio | 12.9196% | 5,205 |
| Total risk-based capital ratio | 14.0357% | 5,235 |
| Memoranda: | ||
| Average total assets | $282,388,670 | 2,273 |
| Average earning assets | $265,642,670 | 2,224 |
| Average equity | $29,521,000 | 2,307 |
| Average total loans | $220,612,000 | 1,853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 3,259 |
| Cost of funding earning assets | 0.8128% | 1,458 |
| Net interest margin | 3.3993% | 4,119 |
| Noninterest income to average assets | 1.0590% | 1,329 |
| Noninterest expense to average assets | 3.0661% | 2,786 |
| Loan and lease loss provision to assets | 0.2349% | 1,551 |
| Net operating income to assets | 0.6690% | 3,853 |
| Return on assets (ROA) | 0.7288% | 3,683 |
| Pretax return on assets | 1.0462% | 3,164 |
| Return on Equity (ROE) | 6.9524% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.7759% | 2,265 |
| Net charge-offs to loans | -0.0129% | 5,535 |
| Credit loss provision to net charge-offs | -2,357.1429% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9439% | 3,625 |
| Assets per employee ($millions) | 3.7291% | 4,491 |
| Cash dividends to net income (ytd only)* | 2.5391% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,690 |
| Loan loss allowance to noncurrent loans | 131.7906% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 4,643 |
| Noncurrent loans to loans | 0.8169% | 4,486 |
| Net loans and leases to total assets | 78.5862% | 552 |
| Net loans and leases to deposits | 96.0549% | 539 |
| Net loans and leases to core deposits | 99.4277% | 983 |
| Total domestic deposits to total assets | 81.8138% | 5,262 |
| Equity capital to assets | 10.6029% | 3,429 |
| Core capital (leverage) ratio | 10.7594% | 2,489 |
| Tier 1 risk-based capital ratio | 12.9507% | 5,262 |
| Total risk-based capital ratio | 14.0178% | 5,337 |
| Memoranda: | ||
| Average total assets | $281,010,000 | 2,309 |
| Average earning assets | $264,757,000 | 2,257 |
| Average equity | $29,457,500 | 2,339 |
| Average total loans | $217,360,500 | 1,890 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 3,163 |
| Cost of funding earning assets | 1.0109% | 1,299 |
| Net interest margin | 3.5498% | 4,305 |
| Noninterest income to average assets | 1.4403% | 756 |
| Noninterest expense to average assets | 3.0525% | 3,085 |
| Loan and lease loss provision to assets | 0.1961% | 3,182 |
| Net operating income to assets | 1.0516% | 2,117 |
| Return on assets (ROA) | 1.0516% | 2,311 |
| Pretax return on assets | 1.5330% | 1,580 |
| Return on Equity (ROE) | 10.1580% | 2,105 |
| Retained earnings to average equity (ytd only) | 8.6466% | 927 |
| Net charge-offs to loans | 0.2794% | 3,265 |
| Credit loss provision to net charge-offs | 89.8973% | 3,478 |
| Earnings coverage of net charge-offs (x) | 7.9281% | 2,507 |
| Efficiency ratio | 63.8394% | 4,915 |
| Assets per employee ($millions) | 4.0334% | 3,883 |
| Cash dividends to net income (ytd only)* | 14.8793% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,781 |
| Loan loss allowance to noncurrent loans | 119.8704% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 4,741 |
| Noncurrent loans to loans | 0.8714% | 4,438 |
| Net loans and leases to total assets | 74.4915% | 1,125 |
| Net loans and leases to deposits | 85.4605% | 1,586 |
| Net loans and leases to core deposits | 88.7056% | 2,005 |
| Total domestic deposits to total assets | 87.1648% | 2,731 |
| Equity capital to assets | 10.3637% | 3,676 |
| Core capital (leverage) ratio | 10.2620% | 3,062 |
| Tier 1 risk-based capital ratio | 13.0547% | 5,069 |
| Total risk-based capital ratio | 14.0711% | 5,177 |
| Memoranda: | ||
| Average total assets | $267,783,400 | 2,364 |
| Average earning assets | $252,045,600 | 2,299 |
| Average equity | $27,722,000 | 2,422 |
| Average total loans | $209,012,000 | 1,929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 2,902 |
| Cost of funding earning assets | 1.0585% | 1,242 |
| Net interest margin | 3.6194% | 4,152 |
| Noninterest income to average assets | 1.3311% | 835 |
| Noninterest expense to average assets | 3.0361% | 3,109 |
| Loan and lease loss provision to assets | 0.1969% | 3,115 |
| Net operating income to assets | 1.0459% | 2,300 |
| Return on assets (ROA) | 1.0459% | 2,517 |
| Pretax return on assets | 1.5052% | 1,864 |
| Return on Equity (ROE) | 10.1056% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.1741% | 1,162 |
| Net charge-offs to loans | 0.3389% | 2,762 |
| Credit loss provision to net charge-offs | 73.7240% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.3743% | 2,804 |
| Efficiency ratio | 64.0780% | 4,795 |
| Assets per employee ($millions) | 4.0961% | 3,685 |
| Cash dividends to net income (ytd only)* | 9.2181% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,938 |
| Loan loss allowance to noncurrent loans | 122.8473% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 4,990 |
| Noncurrent loans to loans | 0.8457% | 4,720 |
| Net loans and leases to total assets | 74.2804% | 1,207 |
| Net loans and leases to deposits | 85.3100% | 1,685 |
| Net loans and leases to core deposits | 88.7522% | 2,131 |
| Total domestic deposits to total assets | 87.0711% | 2,619 |
| Equity capital to assets | 10.4460% | 3,906 |
| Core capital (leverage) ratio | 9.8703% | 3,730 |
| Tier 1 risk-based capital ratio | 13.0195% | 5,227 |
| Total risk-based capital ratio | 14.0225% | 5,382 |
| Memoranda: | ||
| Average total assets | $264,144,000 | 2,421 |
| Average earning assets | $248,653,750 | 2,361 |
| Average equity | $27,337,250 | 2,477 |
| Average total loans | $208,130,000 | 1,954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 2,760 |
| Cost of funding earning assets | 1.0997% | 1,224 |
| Net interest margin | 3.6399% | 4,079 |
| Noninterest income to average assets | 1.1844% | 1,015 |
| Noninterest expense to average assets | 3.0233% | 3,173 |
| Loan and lease loss provision to assets | 0.1956% | 3,125 |
| Net operating income to assets | 0.9666% | 2,595 |
| Return on assets (ROA) | 0.9666% | 2,844 |
| Pretax return on assets | 1.3908% | 2,234 |
| Return on Equity (ROE) | 9.3702% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.4183% | 1,476 |
| Net charge-offs to loans | 0.3476% | 2,627 |
| Credit loss provision to net charge-offs | 70.2479% | 3,555 |
| Earnings coverage of net charge-offs (x) | 5.6970% | 2,776 |
| Efficiency ratio | 65.5850% | 4,602 |
| Assets per employee ($millions) | 4.0021% | 3,866 |
| Cash dividends to net income (ytd only)* | 10.1587% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,155 |
| Loan loss allowance to noncurrent loans | 113.0729% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 4,823 |
| Noncurrent loans to loans | 0.8854% | 4,722 |
| Net loans and leases to total assets | 78.8822% | 628 |
| Net loans and leases to deposits | 90.2955% | 1,118 |
| Net loans and leases to core deposits | 93.8297% | 1,622 |
| Total domestic deposits to total assets | 87.3600% | 2,559 |
| Equity capital to assets | 10.1453% | 4,128 |
| Core capital (leverage) ratio | 10.4337% | 2,876 |
| Tier 1 risk-based capital ratio | 12.0451% | 5,898 |
| Total risk-based capital ratio | 13.0217% | 6,057 |
| Memoranda: | ||
| Average total assets | $260,712,000 | 2,451 |
| Average earning assets | $245,336,330 | 2,395 |
| Average equity | $26,893,670 | 2,492 |
| Average total loans | $208,841,670 | 1,951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 2,772 |
| Cost of funding earning assets | 1.1661% | 1,124 |
| Net interest margin | 3.6015% | 4,266 |
| Noninterest income to average assets | 1.1028% | 1,163 |
| Noninterest expense to average assets | 3.0652% | 3,038 |
| Loan and lease loss provision to assets | 0.1882% | 3,078 |
| Net operating income to assets | 0.8628% | 3,093 |
| Return on assets (ROA) | 0.8628% | 3,326 |
| Pretax return on assets | 1.2408% | 2,764 |
| Return on Equity (ROE) | 8.2908% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.3260% | 2,268 |
| Net charge-offs to loans | 0.5526% | 1,704 |
| Credit loss provision to net charge-offs | 42.4028% | 3,410 |
| Earnings coverage of net charge-offs (x) | 3.2191% | 2,912 |
| Efficiency ratio | 68.2024% | 4,130 |
| Assets per employee ($millions) | 3.9682% | 4,083 |
| Cash dividends to net income (ytd only)* | 11.6364% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 6,174 |
| Loan loss allowance to noncurrent loans | 163.0200% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 5,421 |
| Noncurrent loans to loans | 0.6258% | 5,394 |
| Net loans and leases to total assets | 79.5935% | 446 |
| Net loans and leases to deposits | 92.9880% | 729 |
| Net loans and leases to core deposits | 96.7939% | 1,227 |
| Total domestic deposits to total assets | 85.5955% | 3,739 |
| Equity capital to assets | 10.3961% | 3,620 |
| Core capital (leverage) ratio | 10.2853% | 3,012 |
| Tier 1 risk-based capital ratio | 12.6007% | 5,519 |
| Total risk-based capital ratio | 13.6266% | 5,659 |
| Memoranda: | ||
| Average total assets | $254,995,500 | 2,520 |
| Average earning assets | $240,123,000 | 2,449 |
| Average equity | $26,535,500 | 2,521 |
| Average total loans | $204,840,000 | 1,981 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 2,772 |
| Cost of funding earning assets | 1.4076% | 1,007 |
| Net interest margin | 3.6197% | 4,654 |
| Noninterest income to average assets | 0.7966% | 2,078 |
| Noninterest expense to average assets | 3.1472% | 3,036 |
| Loan and lease loss provision to assets | 0.1368% | 4,912 |
| Net operating income to assets | 0.6564% | 3,712 |
| Return on assets (ROA) | 0.6586% | 3,886 |
| Pretax return on assets | 0.9674% | 3,356 |
| Return on Equity (ROE) | 6.3369% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.1744% | 2,525 |
| Net charge-offs to loans | -0.0056% | 6,844 |
| Credit loss provision to net charge-offs | -3,036.3636% | 6,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0841% | 3,226 |
| Assets per employee ($millions) | 3.9384% | 3,989 |
| Cash dividends to net income (ytd only)* | 18.3458% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,709 |
| Loan loss allowance to noncurrent loans | 3,302.8986% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 6,336 |
| Noncurrent loans to loans | 0.0341% | 6,741 |
| Net loans and leases to total assets | 79.3417% | 562 |
| Net loans and leases to deposits | 92.8660% | 894 |
| Net loans and leases to core deposits | 96.9968% | 1,414 |
| Total domestic deposits to total assets | 85.4367% | 3,628 |
| Equity capital to assets | 10.4167% | 3,631 |
| Core capital (leverage) ratio | 10.3080% | 2,960 |
| Tier 1 risk-based capital ratio | 12.2192% | 5,674 |
| Total risk-based capital ratio | 13.3136% | 5,776 |
| Memoranda: | ||
| Average total assets | $244,150,200 | 2,590 |
| Average earning assets | $232,810,200 | 2,477 |
| Average equity | $25,375,000 | 2,539 |
| Average total loans | $196,769,400 | 2,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 2,847 |
| Cost of funding earning assets | 1.4519% | 1,022 |
| Net interest margin | 3.5960% | 4,786 |
| Noninterest income to average assets | 0.7504% | 2,311 |
| Noninterest expense to average assets | 3.0495% | 3,352 |
| Loan and lease loss provision to assets | 0.1448% | 4,634 |
| Net operating income to assets | 0.6775% | 3,732 |
| Return on assets (ROA) | 0.6805% | 3,888 |
| Pretax return on assets | 1.0009% | 3,395 |
| Return on Equity (ROE) | 6.5513% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.3269% | 2,970 |
| Net charge-offs to loans | -0.0075% | 6,747 |
| Credit loss provision to net charge-offs | -2,390.9091% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7667% | 3,410 |
| Assets per employee ($millions) | 3.8507% | 4,192 |
| Cash dividends to net income (ytd only)* | 18.6892% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,914 |
| Loan loss allowance to noncurrent loans | 3,109.8592% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,258 |
| Noncurrent loans to loans | 0.0352% | 6,853 |
| Net loans and leases to total assets | 81.0348% | 424 |
| Net loans and leases to deposits | 96.8661% | 648 |
| Net loans and leases to core deposits | 100.9748% | 1,164 |
| Total domestic deposits to total assets | 83.6565% | 4,398 |
| Equity capital to assets | 10.5561% | 3,635 |
| Core capital (leverage) ratio | 10.2699% | 3,113 |
| Tier 1 risk-based capital ratio | 12.4733% | 5,510 |
| Total risk-based capital ratio | 13.5701% | 5,636 |
| Memoranda: | ||
| Average total assets | $242,173,250 | 2,621 |
| Average earning assets | $231,693,250 | 2,489 |
| Average equity | $25,154,750 | 2,557 |
| Average total loans | $195,395,250 | 2,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 3,135 |
| Cost of funding earning assets | 1.4947% | 1,025 |
| Net interest margin | 3.5089% | 5,117 |
| Noninterest income to average assets | 0.6804% | 2,648 |
| Noninterest expense to average assets | 3.0563% | 3,407 |
| Loan and lease loss provision to assets | 0.1595% | 4,327 |
| Net operating income to assets | 0.5579% | 4,273 |
| Return on assets (ROA) | 0.5624% | 4,380 |
| Pretax return on assets | 0.8274% | 3,917 |
| Return on Equity (ROE) | 5.4447% | 4,242 |
| Retained earnings to average equity (ytd only) | 4.0454% | 3,629 |
| Net charge-offs to loans | -0.0114% | 6,711 |
| Credit loss provision to net charge-offs | -1,745.4545% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7152% | 3,070 |
| Assets per employee ($millions) | 3.7628% | 4,290 |
| Cash dividends to net income (ytd only)* | 25.7016% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 6,048 |
| Loan loss allowance to noncurrent loans | 5,342.5000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 6,342 |
| Noncurrent loans to loans | 0.0202% | 6,946 |
| Net loans and leases to total assets | 80.2541% | 505 |
| Net loans and leases to deposits | 95.4782% | 767 |
| Net loans and leases to core deposits | 99.6684% | 1,369 |
| Total domestic deposits to total assets | 84.0549% | 4,319 |
| Equity capital to assets | 10.3535% | 3,688 |
| Core capital (leverage) ratio | 10.0573% | 3,190 |
| Tier 1 risk-based capital ratio | 12.2265% | 5,582 |
| Total risk-based capital ratio | 13.2883% | 5,721 |
| Memoranda: | ||
| Average total assets | $240,749,000 | 2,651 |
| Average earning assets | $230,273,670 | 2,521 |
| Average equity | $24,868,000 | 2,573 |
| Average total loans | $193,222,000 | 2,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 3,347 |
| Cost of funding earning assets | 1.5500% | 978 |
| Net interest margin | 3.3959% | 5,445 |
| Noninterest income to average assets | 0.6364% | 2,920 |
| Noninterest expense to average assets | 2.9929% | 3,678 |
| Loan and lease loss provision to assets | 0.2027% | 3,611 |
| Net operating income to assets | 0.4673% | 4,634 |
| Return on assets (ROA) | 0.4673% | 4,717 |
| Pretax return on assets | 0.6883% | 4,348 |
| Return on Equity (ROE) | 4.5291% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.4577% | 4,114 |
| Net charge-offs to loans | -0.0189% | 6,549 |
| Credit loss provision to net charge-offs | -1,344.4444% | 6,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0591% | 2,977 |
| Assets per employee ($millions) | 4.0528% | 3,734 |
| Cash dividends to net income (ytd only)* | 23.6559% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 6,127 |
| Loan loss allowance to noncurrent loans | 4,914.2857% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 5,855 |
| Noncurrent loans to loans | 0.0219% | 7,009 |
| Net loans and leases to total assets | 79.2136% | 599 |
| Net loans and leases to deposits | 93.4851% | 875 |
| Net loans and leases to core deposits | 98.0917% | 1,517 |
| Total domestic deposits to total assets | 84.7339% | 4,156 |
| Equity capital to assets | 10.3689% | 3,326 |
| Core capital (leverage) ratio | 10.1582% | 2,964 |
| Tier 1 risk-based capital ratio | 12.4566% | 5,305 |
| Total risk-based capital ratio | 13.5143% | 5,464 |
| Memoranda: | ||
| Average total assets | $238,832,000 | 2,681 |
| Average earning assets | $228,391,500 | 2,561 |
| Average equity | $24,640,500 | 2,586 |
| Average total loans | $190,620,500 | 2,196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 5,107 |
| Cost of funding earning assets | 1.7975% | 1,182 |
| Net interest margin | 3.0836% | 6,559 |
| Noninterest income to average assets | 0.7009% | 2,835 |
| Noninterest expense to average assets | 2.8564% | 4,387 |
| Loan and lease loss provision to assets | 0.1901% | 5,330 |
| Net operating income to assets | 0.4073% | 4,513 |
| Return on assets (ROA) | 0.4741% | 4,374 |
| Pretax return on assets | 0.6970% | 3,988 |
| Return on Equity (ROE) | 4.5489% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.4459% | 3,455 |
| Net charge-offs to loans | 0.2444% | 4,821 |
| Credit loss provision to net charge-offs | 101.8519% | 4,451 |
| Earnings coverage of net charge-offs (x) | 4.2269% | 3,009 |
| Efficiency ratio | 78.3547% | 2,640 |
| Assets per employee ($millions) | 4.0432% | 3,696 |
| Cash dividends to net income (ytd only)* | 24.2479% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 6,289 |
| Loan loss allowance to noncurrent loans | 172.3708% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 4,965 |
| Noncurrent loans to loans | 0.5913% | 5,864 |
| Net loans and leases to total assets | 78.7391% | 844 |
| Net loans and leases to deposits | 95.6101% | 902 |
| Net loans and leases to core deposits | 98.5482% | 1,749 |
| Total domestic deposits to total assets | 82.3543% | 5,076 |
| Equity capital to assets | 10.2651% | 3,425 |
| Core capital (leverage) ratio | 10.1935% | 2,871 |
| Tier 1 risk-based capital ratio | 12.5343% | 4,994 |
| Total risk-based capital ratio | 13.5408% | 5,181 |
| Memoranda: | ||
| Average total assets | $231,409,400 | 2,736 |
| Average earning assets | $220,973,600 | 2,621 |
| Average equity | $24,115,800 | 2,648 |
| Average total loans | $176,792,200 | 2,390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 5,463 |
| Cost of funding earning assets | 1.8551% | 1,190 |
| Net interest margin | 2.9960% | 6,842 |
| Noninterest income to average assets | 0.4355% | 4,672 |
| Noninterest expense to average assets | 2.6977% | 4,889 |
| Loan and lease loss provision to assets | 0.2032% | 5,020 |
| Net operating income to assets | 0.2698% | 5,280 |
| Return on assets (ROA) | 0.3594% | 5,113 |
| Pretax return on assets | 0.5255% | 4,833 |
| Return on Equity (ROE) | 3.4355% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.3311% | 4,772 |
| Net charge-offs to loans | 0.2689% | 4,332 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.9371% | 3,662 |
| Efficiency ratio | 81.8823% | 2,072 |
| Assets per employee ($millions) | 4.0361% | 3,758 |
| Cash dividends to net income (ytd only)* | 32.1491% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 6,159 |
| Loan loss allowance to noncurrent loans | 237.1921% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 5,250 |
| Noncurrent loans to loans | 0.4430% | 6,308 |
| Net loans and leases to total assets | 77.4816% | 1,129 |
| Net loans and leases to deposits | 91.8119% | 1,473 |
| Net loans and leases to core deposits | 95.5577% | 2,312 |
| Total domestic deposits to total assets | 84.3917% | 3,921 |
| Equity capital to assets | 10.4599% | 3,562 |
| Core capital (leverage) ratio | 10.2611% | 2,971 |
| Tier 1 risk-based capital ratio | 12.8856% | 4,663 |
| Total risk-based capital ratio | 13.9346% | 4,810 |
| Memoranda: | ||
| Average total assets | $229,625,250 | 2,789 |
| Average earning assets | $219,132,500 | 2,675 |
| Average equity | $24,023,000 | 2,694 |
| Average total loans | $173,549,500 | 2,467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 5,691 |
| Cost of funding earning assets | 1.8905% | 1,271 |
| Net interest margin | 2.9373% | 6,955 |
| Noninterest income to average assets | 0.3007% | 5,748 |
| Noninterest expense to average assets | 2.6081% | 5,288 |
| Loan and lease loss provision to assets | 0.2279% | 4,624 |
| Net operating income to assets | 0.1818% | 5,626 |
| Return on assets (ROA) | 0.3191% | 5,271 |
| Pretax return on assets | 0.4655% | 5,014 |
| Return on Equity (ROE) | 3.0500% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.9356% | 4,902 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0633% | 1,913 |
| Assets per employee ($millions) | 4.6582% | 2,636 |
| Cash dividends to net income (ytd only)* | 36.5385% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 5,135 |
| Loan loss allowance to noncurrent loans | 176.8608% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 4,867 |
| Noncurrent loans to loans | 0.7117% | 5,827 |
| Net loans and leases to total assets | 75.1285% | 1,666 |
| Net loans and leases to deposits | 88.9287% | 2,011 |
| Net loans and leases to core deposits | 92.6414% | 2,894 |
| Total domestic deposits to total assets | 84.4817% | 3,882 |
| Equity capital to assets | 10.5694% | 3,326 |
| Core capital (leverage) ratio | 10.2392% | 2,898 |
| Tier 1 risk-based capital ratio | 13.4250% | 4,119 |
| Total risk-based capital ratio | 14.6752% | 4,084 |
| Memoranda: | ||
| Average total assets | $228,136,000 | 2,839 |
| Average earning assets | $217,617,670 | 2,709 |
| Average equity | $23,868,670 | 2,707 |
| Average total loans | $170,297,670 | 2,536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 6,262 |
| Cost of funding earning assets | 1.9142% | 1,391 |
| Net interest margin | 2.7803% | 7,210 |
| Noninterest income to average assets | 0.2262% | 6,341 |
| Noninterest expense to average assets | 2.5675% | 5,487 |
| Loan and lease loss provision to assets | 0.2981% | 3,651 |
| Net operating income to assets | 0.0069% | 6,269 |
| Return on assets (ROA) | 0.2736% | 5,530 |
| Pretax return on assets | 0.4104% | 5,261 |
| Return on Equity (ROE) | 2.6284% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.5164% | 5,186 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2139% | 1,489 |
| Assets per employee ($millions) | 5.0599% | 2,154 |
| Cash dividends to net income (ytd only)* | 42.3077% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,318 |
| Loan loss allowance to noncurrent loans | 111.3709% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 4,734 |
| Noncurrent loans to loans | 1.1069% | 5,141 |
| Net loans and leases to total assets | 73.7520% | 2,025 |
| Net loans and leases to deposits | 87.4053% | 2,332 |
| Net loans and leases to core deposits | 90.8030% | 3,257 |
| Total domestic deposits to total assets | 84.3792% | 3,963 |
| Equity capital to assets | 10.4305% | 3,317 |
| Core capital (leverage) ratio | 10.3191% | 2,791 |
| Tier 1 risk-based capital ratio | 13.3362% | 4,099 |
| Total risk-based capital ratio | 14.5357% | 4,084 |
| Memoranda: | ||
| Average total assets | $228,077,500 | 2,894 |
| Average earning assets | $217,527,500 | 2,772 |
| Average equity | $23,740,500 | 2,745 |
| Average total loans | $168,612,000 | 2,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 6,391 |
| Cost of funding earning assets | 2.3243% | 1,569 |
| Net interest margin | 2.6896% | 7,222 |
| Noninterest income to average assets | 0.2235% | 6,514 |
| Noninterest expense to average assets | 2.5426% | 5,976 |
| Loan and lease loss provision to assets | 0.2097% | 5,664 |
| Net operating income to assets | 0.0389% | 5,367 |
| Return on assets (ROA) | 0.1351% | 5,159 |
| Pretax return on assets | 0.2087% | 4,985 |
| Return on Equity (ROE) | 1.3512% | 5,135 |
| Retained earnings to average equity (ytd only) | 0.6664% | 4,532 |
| Net charge-offs to loans | 0.1602% | 5,672 |
| Credit loss provision to net charge-offs | 172.9008% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.2290% | 4,049 |
| Efficiency ratio | 90.3916% | 1,677 |
| Assets per employee ($millions) | 5.3130% | 1,826 |
| Cash dividends to net income (ytd only)* | 50.6849% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,634 |
| Loan loss allowance to noncurrent loans | 101.1555% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 4,652 |
| Noncurrent loans to loans | 1.1388% | 5,055 |
| Net loans and leases to total assets | 72.3420% | 2,671 |
| Net loans and leases to deposits | 87.8694% | 2,577 |
| Net loans and leases to core deposits | 106.9169% | 3,223 |
| Total domestic deposits to total assets | 82.3289% | 4,802 |
| Equity capital to assets | 10.3875% | 3,299 |
| Core capital (leverage) ratio | 10.3176% | 2,773 |
| Tier 1 risk-based capital ratio | 13.4738% | 3,840 |
| Total risk-based capital ratio | 14.5922% | 3,865 |
| Memoranda: | ||
| Average total assets | $216,074,200 | 3,004 |
| Average earning assets | $208,023,000 | 2,861 |
| Average equity | $21,609,800 | 3,000 |
| Average total loans | $163,497,400 | 2,712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 6,504 |
| Cost of funding earning assets | 2.3946% | 1,655 |
| Net interest margin | 2.6386% | 7,310 |
| Noninterest income to average assets | 0.2210% | 6,647 |
| Noninterest expense to average assets | 2.5661% | 5,835 |
| Loan and lease loss provision to assets | 0.2028% | 5,367 |
| Net operating income to assets | -0.0019% | 5,709 |
| Return on assets (ROA) | 0.1221% | 5,463 |
| Pretax return on assets | 0.1853% | 5,331 |
| Return on Equity (ROE) | 1.2334% | 5,425 |
| Retained earnings to average equity (ytd only) | 0.7147% | 4,886 |
| Net charge-offs to loans | 0.0262% | 6,514 |
| Credit loss provision to net charge-offs | 1,012.5000% | 369 |
| Earnings coverage of net charge-offs (x) | 9.9991% | 2,028 |
| Efficiency ratio | 92.7585% | 1,479 |
| Assets per employee ($millions) | 5.2186% | 1,868 |
| Cash dividends to net income (ytd only)* | 42.0516% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 5,059 |
| Loan loss allowance to noncurrent loans | 83.1419% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 4,906 |
| Noncurrent loans to loans | 1.4521% | 4,499 |
| Net loans and leases to total assets | 73.9161% | 2,550 |
| Net loans and leases to deposits | 90.7935% | 2,431 |
| Net loans and leases to core deposits | 112.8155% | 2,949 |
| Total domestic deposits to total assets | 81.4112% | 4,913 |
| Equity capital to assets | 10.5624% | 3,439 |
| Core capital (leverage) ratio | 10.3447% | 2,930 |
| Tier 1 risk-based capital ratio | 13.3230% | 3,976 |
| Total risk-based capital ratio | 14.4890% | 3,972 |
| Memoranda: | ||
| Average total assets | $212,978,250 | 3,053 |
| Average earning assets | $205,454,500 | 2,914 |
| Average equity | $21,079,500 | 3,087 |
| Average total loans | $162,572,500 | 2,749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 6,665 |
| Cost of funding earning assets | 2.4283% | 1,855 |
| Net interest margin | 2.6057% | 7,355 |
| Noninterest income to average assets | 0.2237% | 6,691 |
| Noninterest expense to average assets | 2.6170% | 5,672 |
| Loan and lease loss provision to assets | 0.1520% | 5,552 |
| Net operating income to assets | -0.0212% | 5,881 |
| Return on assets (ROA) | 0.0134% | 5,874 |
| Pretax return on assets | 0.0201% | 5,825 |
| Return on Equity (ROE) | 0.1386% | 5,875 |
| Retained earnings to average equity (ytd only) | -0.0099% | 5,213 |
| Net charge-offs to loans | 0.0398% | 5,913 |
| Credit loss provision to net charge-offs | 496.8750% | 939 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 3,266 |
| Efficiency ratio | 95.5990% | 1,406 |
| Assets per employee ($millions) | 5.2745% | 1,790 |
| Cash dividends to net income (ytd only)* | 107.1429% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,386 |
| Loan loss allowance to noncurrent loans | 100.2693% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 5,316 |
| Noncurrent loans to loans | 1.1272% | 4,964 |
| Net loans and leases to total assets | 73.5287% | 2,832 |
| Net loans and leases to deposits | 94.6132% | 2,001 |
| Net loans and leases to core deposits | 122.2721% | 2,185 |
| Total domestic deposits to total assets | 77.7151% | 6,150 |
| Equity capital to assets | 10.5572% | 3,333 |
| Core capital (leverage) ratio | 10.7411% | 2,617 |
| Tier 1 risk-based capital ratio | 13.4526% | 3,841 |
| Total risk-based capital ratio | 14.5404% | 3,864 |
| Memoranda: | ||
| Average total assets | $209,171,330 | 3,113 |
| Average earning assets | $201,790,670 | 2,977 |
| Average equity | $20,205,330 | 3,211 |
| Average total loans | $160,798,670 | 2,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0602% | 6,764 |
| Cost of funding earning assets | 2.4800% | 1,989 |
| Net interest margin | 2.5802% | 7,396 |
| Noninterest income to average assets | 0.2365% | 6,567 |
| Noninterest expense to average assets | 2.6464% | 5,235 |
| Loan and lease loss provision to assets | 0.1261% | 5,344 |
| Net operating income to assets | -0.0328% | 6,306 |
| Return on assets (ROA) | 0.0374% | 6,319 |
| Pretax return on assets | 0.0571% | 6,265 |
| Return on Equity (ROE) | 0.4083% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.4083% | 5,495 |
| Net charge-offs to loans | 0.0806% | 4,366 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 1.2188% | 4,143 |
| Efficiency ratio | 97.1780% | 1,262 |
| Assets per employee ($millions) | 4.6892% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,434 |
| Loan loss allowance to noncurrent loans | 87.3887% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 4,690 |
| Noncurrent loans to loans | 1.2645% | 4,455 |
| Net loans and leases to total assets | 78.4294% | 1,709 |
| Net loans and leases to deposits | 96.5605% | 1,862 |
| Net loans and leases to core deposits | 125.5055% | 1,954 |
| Total domestic deposits to total assets | 81.2231% | 4,881 |
| Equity capital to assets | 9.2697% | 4,982 |
| Core capital (leverage) ratio | 8.9170% | 4,841 |
| Tier 1 risk-based capital ratio | 11.2075% | 5,696 |
| Total risk-based capital ratio | 12.2972% | 5,769 |
| Memoranda: | ||
| Average total assets | $202,993,500 | 3,207 |
| Average earning assets | $195,645,000 | 3,072 |
| Average equity | $18,614,500 | 3,465 |
| Average total loans | $158,824,000 | 2,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8129% | 6,383 |
| Cost of funding earning assets | 2.8172% | 2,636 |
| Net interest margin | 2.9957% | 6,932 |
| Noninterest income to average assets | 0.2126% | 6,919 |
| Noninterest expense to average assets | 2.6879% | 5,319 |
| Loan and lease loss provision to assets | 0.2744% | 4,201 |
| Net operating income to assets | 0.0690% | 6,186 |
| Return on assets (ROA) | 0.0759% | 6,014 |
| Pretax return on assets | 0.1329% | 5,874 |
| Return on Equity (ROE) | 0.7748% | 5,982 |
| Retained earnings to average equity (ytd only) | 0.7748% | 4,761 |
| Net charge-offs to loans | 0.1833% | 4,367 |
| Credit loss provision to net charge-offs | 193.1818% | 2,533 |
| Earnings coverage of net charge-offs (x) | 2.7917% | 4,692 |
| Efficiency ratio | 87.1424% | 1,751 |
| Assets per employee ($millions) | 4.7523% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,301 |
| Loan loss allowance to noncurrent loans | 120.9059% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 5,039 |
| Noncurrent loans to loans | 0.9097% | 4,806 |
| Net loans and leases to total assets | 76.3412% | 2,533 |
| Net loans and leases to deposits | 97.9482% | 2,135 |
| Net loans and leases to core deposits | 129.7579% | 1,869 |
| Total domestic deposits to total assets | 77.9404% | 5,732 |
| Equity capital to assets | 9.0716% | 5,264 |
| Core capital (leverage) ratio | 9.4326% | 4,113 |
| Tier 1 risk-based capital ratio | 11.1735% | 5,567 |
| Total risk-based capital ratio | 12.2420% | 5,630 |
| Memoranda: | ||
| Average total assets | $185,830,600 | 3,327 |
| Average earning assets | $178,155,600 | 3,207 |
| Average equity | $18,197,800 | 3,526 |
| Average total loans | $144,015,200 | 3,022 |