Home > TrustTexas Bank, SSB > Performance and Condition Ratios
TrustTexas Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 3,512 |
| Cost of funding earning assets | 1.9809% | 939 |
| Net interest margin | 2.2740% | 4,274 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.6274% | 1,931 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.2602% | 4,475 |
| Return on assets (ROA) | -0.2938% | 4,468 |
| Pretax return on assets | -0.3051% | 4,458 |
| Return on Equity (ROE) | -16.5000% | 4,531 |
| Retained earnings to average equity (ytd only) | -16.4962% | 4,505 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 109.3483% | 116 |
| Assets per employee ($millions) | 6.2039% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,133 |
| Loan loss allowance to noncurrent loans | 168.4651% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 1,994 |
| Noncurrent loans to loans | 0.6144% | 1,286 |
| Net loans and leases to total assets | 39.3100% | 4,061 |
| Net loans and leases to deposits | 50.9610% | 3,913 |
| Net loans and leases to core deposits | 59.8487% | 3,768 |
| Total domestic deposits to total assets | 77.1400% | 3,836 |
| Equity capital to assets | 2.5023% | 4,556 |
| Core capital (leverage) ratio | 9.3163% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4736% | 454 |
| Memoranda: | ||
| Average total assets | $433,614,800 | 1,905 |
| Average earning assets | $395,334,600 | 1,926 |
| Average equity | $7,723,000 | 3,965 |
| Average total loans | $178,101,600 | 2,463 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,559 |
| Cost of funding earning assets | 1.8235% | 976 |
| Net interest margin | 2.3257% | 4,289 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.6098% | 1,918 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | -0.2090% | 4,498 |
| Return on assets (ROA) | -0.2531% | 4,495 |
| Pretax return on assets | -0.2683% | 4,485 |
| Return on Equity (ROE) | -15.8500% | 4,562 |
| Retained earnings to average equity (ytd only) | -15.8490% | 4,537 |
| Net charge-offs to loans | -0.0015% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 106.7020% | 118 |
| Assets per employee ($millions) | 6.0067% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,228 |
| Loan loss allowance to noncurrent loans | 90.7398% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 1,305 |
| Noncurrent loans to loans | 1.1309% | 697 |
| Net loans and leases to total assets | 39.1200% | 4,088 |
| Net loans and leases to deposits | 49.5189% | 3,956 |
| Net loans and leases to core deposits | 58.5721% | 3,762 |
| Total domestic deposits to total assets | 79.0000% | 3,698 |
| Equity capital to assets | 0.6772% | 4,583 |
| Core capital (leverage) ratio | 9.2217% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0040% | 384 |
| Memoranda: | ||
| Average total assets | $431,900,000 | 1,908 |
| Average earning assets | $393,159,000 | 1,935 |
| Average equity | $6,898,250 | 4,056 |
| Average total loans | $178,887,750 | 2,462 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,571 |
| Cost of funding earning assets | 1.6248% | 1,008 |
| Net interest margin | 2.4336% | 4,276 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.6518% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1008% | 4,514 |
| Return on assets (ROA) | -0.1786% | 4,513 |
| Pretax return on assets | -0.1941% | 4,512 |
| Return on Equity (ROE) | -9.3200% | 4,573 |
| Retained earnings to average equity (ytd only) | -9.3235% | 4,501 |
| Net charge-offs to loans | -0.0022% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 104.1697% | 124 |
| Assets per employee ($millions) | 5.9063% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 3,749 |
| Loan loss allowance to noncurrent loans | 92.1680% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 1,360 |
| Noncurrent loans to loans | 0.9867% | 766 |
| Net loans and leases to total assets | 39.4200% | 4,061 |
| Net loans and leases to deposits | 51.1084% | 3,874 |
| Net loans and leases to core deposits | 59.6375% | 3,653 |
| Total domestic deposits to total assets | 77.1300% | 3,939 |
| Equity capital to assets | 1.7125% | 4,611 |
| Core capital (leverage) ratio | 9.2615% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $427,701,667 | 1,926 |
| Average earning assets | $389,713,000 | 1,948 |
| Average equity | $8,194,333 | 3,932 |
| Average total loans | $179,950,667 | 2,440 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 3,973 |
| Cost of funding earning assets | 1.1200% | 1,696 |
| Net interest margin | 2.6146% | 4,193 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7532% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0381% | 4,509 |
| Return on assets (ROA) | -0.1707% | 4,530 |
| Pretax return on assets | -0.1870% | 4,520 |
| Return on Equity (ROE) | -8.4300% | 4,587 |
| Retained earnings to average equity (ytd only) | -8.4280% | 4,444 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 101.3413% | 158 |
| Assets per employee ($millions) | 6.1479% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 3,861 |
| Loan loss allowance to noncurrent loans | 105.0616% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 1,503 |
| Noncurrent loans to loans | 0.8543% | 890 |
| Net loans and leases to total assets | 39.2900% | 4,066 |
| Net loans and leases to deposits | 50.0477% | 3,887 |
| Net loans and leases to core deposits | 56.1193% | 3,733 |
| Total domestic deposits to total assets | 78.5100% | 3,940 |
| Equity capital to assets | 1.7554% | 4,642 |
| Core capital (leverage) ratio | 10.1975% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $417,113,000 | 1,985 |
| Average earning assets | $380,014,500 | 1,998 |
| Average equity | $8,448,000 | 3,959 |
| Average total loans | $180,643,000 | 2,446 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 3,258 |
| Cost of funding earning assets | 0.4362% | 1,816 |
| Net interest margin | 2.9972% | 3,460 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.8880% | 1,142 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.2956% | 4,368 |
| Return on assets (ROA) | 0.3701% | 4,252 |
| Pretax return on assets | 0.2644% | 4,396 |
| Return on Equity (ROE) | 7.8000% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.5282% | 2,014 |
| Net charge-offs to loans | 0.0416% | 1,282 |
| Credit loss provision to net charge-offs | 88.7324% | 1,642 |
| Earnings coverage of net charge-offs (x) | 11.1690% | 2,160 |
| Efficiency ratio | 93.3305% | 236 |
| Assets per employee ($millions) | 4.9906% | 3,689 |
| Cash dividends to net income (ytd only)* | 3.5162% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 3,800 |
| Loan loss allowance to noncurrent loans | 246.9419% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,343 |
| Noncurrent loans to loans | 0.3615% | 1,841 |
| Net loans and leases to total assets | 47.2700% | 3,723 |
| Net loans and leases to deposits | 48.7516% | 3,944 |
| Net loans and leases to core deposits | 51.5245% | 3,923 |
| Total domestic deposits to total assets | 96.9600% | 51 |
| Equity capital to assets | 2.3492% | 4,633 |
| Core capital (leverage) ratio | 10.8044% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $384,240,000 | 2,088 |
| Average earning assets | $350,990,400 | 2,107 |
| Average equity | $18,224,800 | 3,105 |
| Average total loans | $170,661,400 | 2,452 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3277% | 3,107 |
| Cost of funding earning assets | 0.3962% | 1,321 |
| Net interest margin | 2.9315% | 3,407 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.8587% | 1,126 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.2622% | 4,422 |
| Return on assets (ROA) | 0.3753% | 4,223 |
| Pretax return on assets | 0.2764% | 4,399 |
| Return on Equity (ROE) | 7.0400% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.7140% | 2,473 |
| Net charge-offs to loans | 0.0516% | 972 |
| Credit loss provision to net charge-offs | 87.6923% | 1,389 |
| Earnings coverage of net charge-offs (x) | 8.1385% | 2,050 |
| Efficiency ratio | 93.9845% | 230 |
| Assets per employee ($millions) | 4.9966% | 3,678 |
| Cash dividends to net income (ytd only)* | 4.6083% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 3,782 |
| Loan loss allowance to noncurrent loans | 310.5769% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 2,648 |
| Noncurrent loans to loans | 0.2982% | 2,171 |
| Net loans and leases to total assets | 45.4900% | 3,790 |
| Net loans and leases to deposits | 46.3608% | 4,009 |
| Net loans and leases to core deposits | 48.9115% | 4,002 |
| Total domestic deposits to total assets | 98.1300% | 50 |
| Equity capital to assets | 1.0944% | 4,695 |
| Core capital (leverage) ratio | 10.6904% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $385,479,500 | 2,099 |
| Average earning assets | $353,032,000 | 2,110 |
| Average equity | $20,553,500 | 2,945 |
| Average total loans | $168,102,000 | 2,471 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2081% | 3,017 |
| Cost of funding earning assets | 0.3777% | 1,063 |
| Net interest margin | 2.8304% | 3,349 |
| Noninterest income to average assets | 0.3505% | 3,055 |
| Noninterest expense to average assets | 2.7961% | 1,182 |
| Loan and lease loss provision to assets | 0.0098% | 2,416 |
| Net operating income to assets | 0.2339% | 4,381 |
| Return on assets (ROA) | 0.4027% | 4,053 |
| Pretax return on assets | 0.3175% | 4,274 |
| Return on Equity (ROE) | 5.9955% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.6112% | 2,468 |
| Net charge-offs to loans | 0.0602% | 806 |
| Credit loss provision to net charge-offs | 38.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 6.1400% | 1,910 |
| Efficiency ratio | 94.6357% | 277 |
| Assets per employee ($millions) | 5.3224% | 3,409 |
| Cash dividends to net income (ytd only)* | 6.4103% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 3,789 |
| Loan loss allowance to noncurrent loans | 161.4604% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 1,999 |
| Noncurrent loans to loans | 0.5899% | 1,436 |
| Net loans and leases to total assets | 43.8101% | 3,848 |
| Net loans and leases to deposits | 45.1582% | 4,061 |
| Net loans and leases to core deposits | 47.6155% | 4,045 |
| Total domestic deposits to total assets | 97.0147% | 47 |
| Equity capital to assets | 2.2782% | 4,716 |
| Core capital (leverage) ratio | 10.9162% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,393,000 | 2,103 |
| Average earning assets | $356,412,333 | 2,118 |
| Average equity | $26,019,333 | 2,630 |
| Average total loans | $166,012,333 | 2,501 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1028% | 2,976 |
| Cost of funding earning assets | 0.3676% | 1,074 |
| Net interest margin | 2.7352% | 3,324 |
| Noninterest income to average assets | 0.3376% | 3,070 |
| Noninterest expense to average assets | 2.7633% | 1,229 |
| Loan and lease loss provision to assets | 0.0041% | 2,232 |
| Net operating income to assets | 0.1530% | 4,399 |
| Return on assets (ROA) | 0.4866% | 3,710 |
| Pretax return on assets | 0.4386% | 3,970 |
| Return on Equity (ROE) | 5.4947% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.9187% | 2,616 |
| Net charge-offs to loans | 0.0121% | 1,320 |
| Credit loss provision to net charge-offs | 80.0000% | 1,113 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,258 |
| Efficiency ratio | 96.2003% | 325 |
| Assets per employee ($millions) | 5.1480% | 3,627 |
| Cash dividends to net income (ytd only)* | 10.4822% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,775 |
| Loan loss allowance to noncurrent loans | 154.7188% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 2,047 |
| Noncurrent loans to loans | 0.6383% | 1,474 |
| Net loans and leases to total assets | 42.1463% | 3,871 |
| Net loans and leases to deposits | 45.5052% | 4,002 |
| Net loans and leases to core deposits | 48.0181% | 3,980 |
| Total domestic deposits to total assets | 92.6187% | 375 |
| Equity capital to assets | 6.7729% | 4,308 |
| Core capital (leverage) ratio | 11.2310% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,144,500 | 2,084 |
| Average earning assets | $363,412,000 | 2,100 |
| Average equity | $34,724,500 | 2,266 |
| Average total loans | $165,445,500 | 2,506 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 3,317 |
| Cost of funding earning assets | 0.3936% | 1,589 |
| Net interest margin | 2.8695% | 3,512 |
| Noninterest income to average assets | 0.4778% | 2,685 |
| Noninterest expense to average assets | 2.8157% | 1,323 |
| Loan and lease loss provision to assets | 0.0268% | 2,519 |
| Net operating income to assets | 0.3194% | 4,402 |
| Return on assets (ROA) | 0.4735% | 4,178 |
| Pretax return on assets | 0.4598% | 4,313 |
| Return on Equity (ROE) | 3.9882% | 4,217 |
| Retained earnings to average equity (ytd only) | 3.9882% | 3,224 |
| Net charge-offs to loans | 0.0441% | 1,405 |
| Credit loss provision to net charge-offs | 129.8701% | 1,582 |
| Earnings coverage of net charge-offs (x) | 16.1169% | 1,988 |
| Efficiency ratio | 89.4374% | 347 |
| Assets per employee ($millions) | 5.3810% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,854 |
| Loan loss allowance to noncurrent loans | 279.8276% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,923 |
| Noncurrent loans to loans | 0.3483% | 2,333 |
| Net loans and leases to total assets | 41.4171% | 4,008 |
| Net loans and leases to deposits | 46.7725% | 4,057 |
| Net loans and leases to core deposits | 49.3161% | 4,040 |
| Total domestic deposits to total assets | 88.5500% | 1,763 |
| Equity capital to assets | 10.8739% | 1,875 |
| Core capital (leverage) ratio | 11.4955% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,187,800 | 2,097 |
| Average earning assets | $347,305,400 | 2,094 |
| Average equity | $44,306,200 | 1,941 |
| Average total loans | $174,727,600 | 2,423 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3339% | 3,297 |
| Cost of funding earning assets | 0.4078% | 1,642 |
| Net interest margin | 2.9261% | 3,491 |
| Noninterest income to average assets | 0.3612% | 3,291 |
| Noninterest expense to average assets | 2.7971% | 1,345 |
| Loan and lease loss provision to assets | 0.0341% | 2,320 |
| Net operating income to assets | 0.2812% | 4,545 |
| Return on assets (ROA) | 0.4902% | 4,270 |
| Pretax return on assets | 0.4607% | 4,420 |
| Return on Equity (ROE) | 4.0366% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.0366% | 3,570 |
| Net charge-offs to loans | 0.0513% | 1,152 |
| Credit loss provision to net charge-offs | 138.2353% | 1,399 |
| Earnings coverage of net charge-offs (x) | 11.5735% | 1,991 |
| Efficiency ratio | 90.7248% | 300 |
| Assets per employee ($millions) | 4.9918% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,058 |
| Loan loss allowance to noncurrent loans | 445.4795% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 2,253 |
| Noncurrent loans to loans | 0.2096% | 3,115 |
| Net loans and leases to total assets | 45.4646% | 3,831 |
| Net loans and leases to deposits | 51.8387% | 3,896 |
| Net loans and leases to core deposits | 54.5580% | 3,880 |
| Total domestic deposits to total assets | 87.7039% | 2,006 |
| Equity capital to assets | 11.6548% | 1,571 |
| Core capital (leverage) ratio | 11.8829% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,937,000 | 2,137 |
| Average earning assets | $341,338,250 | 2,143 |
| Average equity | $44,558,000 | 1,963 |
| Average total loans | $176,774,000 | 2,442 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 3,306 |
| Cost of funding earning assets | 0.4218% | 1,723 |
| Net interest margin | 2.9289% | 3,506 |
| Noninterest income to average assets | 0.3605% | 3,297 |
| Noninterest expense to average assets | 2.7818% | 1,395 |
| Loan and lease loss provision to assets | 0.0474% | 2,074 |
| Net operating income to assets | 0.2977% | 4,529 |
| Return on assets (ROA) | 0.3831% | 4,456 |
| Pretax return on assets | 0.3385% | 4,550 |
| Return on Equity (ROE) | 3.1116% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.1116% | 3,810 |
| Net charge-offs to loans | 0.0608% | 1,002 |
| Credit loss provision to net charge-offs | 159.2593% | 1,139 |
| Earnings coverage of net charge-offs (x) | 10.0926% | 1,811 |
| Efficiency ratio | 90.2522% | 339 |
| Assets per employee ($millions) | 4.8823% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,149 |
| Loan loss allowance to noncurrent loans | 159.1618% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 1,715 |
| Noncurrent loans to loans | 0.5670% | 1,981 |
| Net loans and leases to total assets | 48.3261% | 3,696 |
| Net loans and leases to deposits | 55.5459% | 3,749 |
| Net loans and leases to core deposits | 58.6036% | 3,717 |
| Total domestic deposits to total assets | 87.0022% | 2,318 |
| Equity capital to assets | 12.3012% | 1,218 |
| Core capital (leverage) ratio | 11.8426% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,789,667 | 2,146 |
| Average earning assets | $337,121,000 | 2,152 |
| Average equity | $44,672,000 | 1,945 |
| Average total loans | $177,662,333 | 2,451 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 3,112 |
| Cost of funding earning assets | 0.4360% | 1,827 |
| Net interest margin | 2.9979% | 3,259 |
| Noninterest income to average assets | 0.3413% | 3,389 |
| Noninterest expense to average assets | 2.7837% | 1,399 |
| Loan and lease loss provision to assets | 0.0959% | 1,401 |
| Net operating income to assets | 0.2833% | 4,540 |
| Return on assets (ROA) | 0.3413% | 4,497 |
| Pretax return on assets | 0.3034% | 4,596 |
| Return on Equity (ROE) | 2.7701% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.7701% | 3,851 |
| Net charge-offs to loans | -0.0318% | 4,199 |
| Credit loss provision to net charge-offs | -614.2857% | 3,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0792% | 408 |
| Assets per employee ($millions) | 4.7114% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 4,001 |
| Loan loss allowance to noncurrent loans | 174.0020% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 1,931 |
| Noncurrent loans to loans | 0.5495% | 2,212 |
| Net loans and leases to total assets | 48.5454% | 3,757 |
| Net loans and leases to deposits | 55.3988% | 3,835 |
| Net loans and leases to core deposits | 58.2998% | 3,813 |
| Total domestic deposits to total assets | 87.6290% | 2,028 |
| Equity capital to assets | 11.7734% | 1,400 |
| Core capital (leverage) ratio | 12.2870% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,657,500 | 2,144 |
| Average earning assets | $333,035,500 | 2,162 |
| Average equity | $44,186,000 | 1,945 |
| Average total loans | $176,019,000 | 2,467 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 3,797 |
| Cost of funding earning assets | 0.6069% | 2,264 |
| Net interest margin | 3.0011% | 3,881 |
| Noninterest income to average assets | 0.3401% | 3,426 |
| Noninterest expense to average assets | 3.1552% | 1,133 |
| Loan and lease loss provision to assets | 0.1236% | 2,819 |
| Net operating income to assets | -0.0758% | 4,772 |
| Return on assets (ROA) | 0.1974% | 4,637 |
| Pretax return on assets | 0.1139% | 4,696 |
| Return on Equity (ROE) | 1.5832% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.4690% | 4,048 |
| Net charge-offs to loans | 0.0109% | 2,937 |
| Credit loss provision to net charge-offs | 2,284.2105% | 399 |
| Earnings coverage of net charge-offs (x) | -6.5789% | 3,388 |
| Efficiency ratio | 101.1414% | 161 |
| Assets per employee ($millions) | 4.6650% | 3,748 |
| Cash dividends to net income (ytd only)* | 7.2150% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,141 |
| Loan loss allowance to noncurrent loans | 117.1303% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 1,738 |
| Noncurrent loans to loans | 0.7840% | 1,768 |
| Net loans and leases to total assets | 48.6906% | 3,927 |
| Net loans and leases to deposits | 56.4047% | 3,970 |
| Net loans and leases to core deposits | 59.7503% | 3,960 |
| Total domestic deposits to total assets | 86.3236% | 2,220 |
| Equity capital to assets | 12.8790% | 1,141 |
| Core capital (leverage) ratio | 12.1335% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,039,800 | 2,043 |
| Average earning assets | $325,115,200 | 2,054 |
| Average equity | $43,771,000 | 1,877 |
| Average total loans | $174,092,000 | 2,454 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 3,898 |
| Cost of funding earning assets | 0.6349% | 2,404 |
| Net interest margin | 3.0242% | 3,918 |
| Noninterest income to average assets | 0.3103% | 3,635 |
| Noninterest expense to average assets | 3.2289% | 1,021 |
| Loan and lease loss provision to assets | 0.1631% | 2,372 |
| Net operating income to assets | -0.1911% | 4,837 |
| Return on assets (ROA) | 0.1626% | 4,678 |
| Pretax return on assets | 0.0723% | 4,749 |
| Return on Equity (ROE) | 1.3149% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.1609% | 4,196 |
| Net charge-offs to loans | 0.0092% | 2,780 |
| Credit loss provision to net charge-offs | 3,566.6667% | 298 |
| Earnings coverage of net charge-offs (x) | -25.9167% | 3,219 |
| Efficiency ratio | 103.8071% | 141 |
| Assets per employee ($millions) | 4.6859% | 3,617 |
| Cash dividends to net income (ytd only)* | 11.7096% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 3,931 |
| Loan loss allowance to noncurrent loans | 107.2338% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 1,824 |
| Noncurrent loans to loans | 0.8768% | 1,704 |
| Net loans and leases to total assets | 47.3619% | 4,249 |
| Net loans and leases to deposits | 54.7187% | 4,306 |
| Net loans and leases to core deposits | 57.8965% | 4,308 |
| Total domestic deposits to total assets | 86.5553% | 1,836 |
| Equity capital to assets | 12.5715% | 1,390 |
| Core capital (leverage) ratio | 11.9906% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,165,000 | 2,028 |
| Average earning assets | $324,219,500 | 2,035 |
| Average equity | $43,298,500 | 1,885 |
| Average total loans | $174,058,250 | 2,451 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 3,906 |
| Cost of funding earning assets | 0.6586% | 2,633 |
| Net interest margin | 3.1241% | 3,849 |
| Noninterest income to average assets | 0.3314% | 3,481 |
| Noninterest expense to average assets | 3.2547% | 1,068 |
| Loan and lease loss provision to assets | 0.2349% | 1,800 |
| Net operating income to assets | -0.2068% | 4,863 |
| Return on assets (ROA) | 0.2631% | 4,519 |
| Pretax return on assets | 0.1999% | 4,632 |
| Return on Equity (ROE) | 2.1398% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.9062% | 3,797 |
| Net charge-offs to loans | 0.0091% | 2,617 |
| Credit loss provision to net charge-offs | 5,112.5000% | 235 |
| Earnings coverage of net charge-offs (x) | -7.6250% | 2,981 |
| Efficiency ratio | 101.0883% | 169 |
| Assets per employee ($millions) | 4.4064% | 3,907 |
| Cash dividends to net income (ytd only)* | 10.9170% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,852 |
| Loan loss allowance to noncurrent loans | 70.3014% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 1,396 |
| Noncurrent loans to loans | 1.3322% | 1,156 |
| Net loans and leases to total assets | 47.0030% | 4,311 |
| Net loans and leases to deposits | 54.2669% | 4,368 |
| Net loans and leases to core deposits | 57.5013% | 4,377 |
| Total domestic deposits to total assets | 86.6144% | 1,769 |
| Equity capital to assets | 12.5737% | 1,348 |
| Core capital (leverage) ratio | 12.3412% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,176,000 | 2,008 |
| Average earning assets | $321,881,000 | 2,012 |
| Average equity | $42,807,667 | 1,891 |
| Average total loans | $175,320,333 | 2,431 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,757 |
| Cost of funding earning assets | 0.7186% | 2,851 |
| Net interest margin | 3.2918% | 3,608 |
| Noninterest income to average assets | 0.3886% | 3,178 |
| Noninterest expense to average assets | 3.3135% | 1,197 |
| Loan and lease loss provision to assets | 0.4759% | 622 |
| Net operating income to assets | -0.3455% | 4,896 |
| Return on assets (ROA) | 0.4875% | 3,981 |
| Pretax return on assets | 0.4700% | 4,170 |
| Return on Equity (ROE) | 4.0122% | 3,949 |
| Retained earnings to average equity (ytd only) | 3.5334% | 2,878 |
| Net charge-offs to loans | 0.0157% | 2,055 |
| Credit loss provision to net charge-offs | 5,842.8571% | 132 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,630 |
| Efficiency ratio | 96.7063% | 304 |
| Assets per employee ($millions) | 4.2119% | 3,644 |
| Cash dividends to net income (ytd only)* | 11.9332% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,084 |
| Loan loss allowance to noncurrent loans | 967.6829% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 3,206 |
| Noncurrent loans to loans | 0.0938% | 4,132 |
| Net loans and leases to total assets | 50.8008% | 4,195 |
| Net loans and leases to deposits | 58.0406% | 4,287 |
| Net loans and leases to core deposits | 61.1043% | 4,310 |
| Total domestic deposits to total assets | 87.5264% | 1,316 |
| Equity capital to assets | 11.8015% | 2,212 |
| Core capital (leverage) ratio | 12.4386% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,804,000 | 1,984 |
| Average earning assets | $317,273,500 | 1,989 |
| Average equity | $41,772,500 | 1,918 |
| Average total loans | $178,306,000 | 2,379 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 4,192 |
| Cost of funding earning assets | 0.6855% | 3,232 |
| Net interest margin | 3.3424% | 3,890 |
| Noninterest income to average assets | 0.3730% | 3,463 |
| Noninterest expense to average assets | 3.1871% | 1,555 |
| Loan and lease loss provision to assets | -0.0787% | 5,048 |
| Net operating income to assets | 0.6137% | 4,116 |
| Return on assets (ROA) | 0.6853% | 3,977 |
| Pretax return on assets | 0.4219% | 4,673 |
| Return on Equity (ROE) | 5.7452% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.6834% | 2,039 |
| Net charge-offs to loans | 0.1273% | 1,498 |
| Credit loss provision to net charge-offs | -117.6211% | 4,233 |
| Earnings coverage of net charge-offs (x) | 4.0617% | 3,264 |
| Efficiency ratio | 92.1458% | 288 |
| Assets per employee ($millions) | 4.2771% | 3,537 |
| Cash dividends to net income (ytd only)* | 1.0748% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,645 |
| Loan loss allowance to noncurrent loans | 398.9899% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 3,032 |
| Noncurrent loans to loans | 0.1634% | 3,879 |
| Net loans and leases to total assets | 52.1083% | 4,219 |
| Net loans and leases to deposits | 60.1465% | 4,282 |
| Net loans and leases to core deposits | 63.2468% | 4,314 |
| Total domestic deposits to total assets | 86.6355% | 1,789 |
| Equity capital to assets | 12.4934% | 1,819 |
| Core capital (leverage) ratio | 12.3009% | 1,592 |
| Tier 1 risk-based capital ratio | 22.2945% | 987 |
| Total risk-based capital ratio | 22.9193% | 1,036 |
| Memoranda: | ||
| Average total assets | $339,400,000 | 1,949 |
| Average earning assets | $313,337,400 | 1,952 |
| Average equity | $40,486,200 | 1,911 |
| Average total loans | $178,294,400 | 2,335 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 4,303 |
| Cost of funding earning assets | 0.6720% | 3,344 |
| Net interest margin | 3.3565% | 3,969 |
| Noninterest income to average assets | 0.3645% | 3,536 |
| Noninterest expense to average assets | 3.0300% | 1,888 |
| Loan and lease loss provision to assets | -0.1287% | 5,181 |
| Net operating income to assets | 0.5470% | 4,411 |
| Return on assets (ROA) | 0.6275% | 4,272 |
| Pretax return on assets | 0.6421% | 4,461 |
| Return on Equity (ROE) | 5.3249% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.2411% | 2,766 |
| Net charge-offs to loans | 0.1488% | 1,096 |
| Credit loss provision to net charge-offs | -164.6465% | 4,141 |
| Earnings coverage of net charge-offs (x) | 5.5152% | 2,914 |
| Efficiency ratio | 87.5414% | 424 |
| Assets per employee ($millions) | 4.1323% | 3,707 |
| Cash dividends to net income (ytd only)* | 1.5732% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 4,722 |
| Loan loss allowance to noncurrent loans | 460.1594% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 3,163 |
| Noncurrent loans to loans | 0.1421% | 4,032 |
| Net loans and leases to total assets | 51.1511% | 4,362 |
| Net loans and leases to deposits | 59.0509% | 4,425 |
| Net loans and leases to core deposits | 62.0636% | 4,454 |
| Total domestic deposits to total assets | 86.6220% | 1,721 |
| Equity capital to assets | 12.4091% | 1,977 |
| Core capital (leverage) ratio | 12.2735% | 1,692 |
| Tier 1 risk-based capital ratio | 22.0867% | 1,059 |
| Total risk-based capital ratio | 22.7007% | 1,111 |
| Memoranda: | ||
| Average total assets | $337,638,250 | 1,965 |
| Average earning assets | $311,510,750 | 1,962 |
| Average equity | $39,787,000 | 1,948 |
| Average total loans | $177,439,750 | 2,368 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 4,331 |
| Cost of funding earning assets | 0.6508% | 3,404 |
| Net interest margin | 3.3736% | 3,976 |
| Noninterest income to average assets | 0.3573% | 3,541 |
| Noninterest expense to average assets | 3.0835% | 1,779 |
| Loan and lease loss provision to assets | -0.2013% | 5,253 |
| Net operating income to assets | 0.5607% | 4,405 |
| Return on assets (ROA) | 0.6681% | 4,157 |
| Pretax return on assets | 0.6955% | 4,339 |
| Return on Equity (ROE) | 5.7742% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.6456% | 2,452 |
| Net charge-offs to loans | 0.2127% | 782 |
| Credit loss provision to net charge-offs | -178.8360% | 3,975 |
| Earnings coverage of net charge-offs (x) | 3.3968% | 2,849 |
| Efficiency ratio | 88.9691% | 392 |
| Assets per employee ($millions) | 4.2052% | 3,564 |
| Cash dividends to net income (ytd only)* | 2.2282% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6429% | 4,805 |
| Loan loss allowance to noncurrent loans | 431.4607% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,126 |
| Noncurrent loans to loans | 0.1490% | 4,017 |
| Net loans and leases to total assets | 52.9233% | 4,292 |
| Net loans and leases to deposits | 60.9727% | 4,377 |
| Net loans and leases to core deposits | 63.9051% | 4,421 |
| Total domestic deposits to total assets | 86.7983% | 1,684 |
| Equity capital to assets | 12.3165% | 1,970 |
| Core capital (leverage) ratio | 12.2943% | 1,642 |
| Tier 1 risk-based capital ratio | 21.7546% | 1,086 |
| Total risk-based capital ratio | 22.3647% | 1,147 |
| Memoranda: | ||
| Average total assets | $335,857,000 | 1,981 |
| Average earning assets | $309,464,000 | 1,984 |
| Average equity | $38,862,330 | 1,987 |
| Average total loans | $177,721,670 | 2,367 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 4,306 |
| Cost of funding earning assets | 0.6166% | 3,479 |
| Net interest margin | 3.4127% | 3,854 |
| Noninterest income to average assets | 0.3493% | 3,521 |
| Noninterest expense to average assets | 2.9382% | 2,166 |
| Loan and lease loss provision to assets | -0.4112% | 5,337 |
| Net operating income to assets | 0.8772% | 3,323 |
| Return on assets (ROA) | 0.9512% | 3,087 |
| Pretax return on assets | 1.0513% | 3,281 |
| Return on Equity (ROE) | 8.4948% | 3,042 |
| Retained earnings to average equity (ytd only) | 8.2287% | 1,585 |
| Net charge-offs to loans | 0.4181% | 368 |
| Credit loss provision to net charge-offs | -186.4865% | 3,621 |
| Earnings coverage of net charge-offs (x) | 2.5297% | 2,485 |
| Efficiency ratio | 84.0436% | 706 |
| Assets per employee ($millions) | 4.2154% | 3,602 |
| Cash dividends to net income (ytd only)* | 3.1328% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6536% | 4,847 |
| Loan loss allowance to noncurrent loans | 95.9900% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,183 |
| Noncurrent loans to loans | 0.6809% | 2,314 |
| Net loans and leases to total assets | 51.7878% | 4,352 |
| Net loans and leases to deposits | 58.9355% | 4,463 |
| Net loans and leases to core deposits | 61.5393% | 4,507 |
| Total domestic deposits to total assets | 87.8719% | 1,406 |
| Equity capital to assets | 11.4754% | 2,422 |
| Core capital (leverage) ratio | 12.1982% | 1,666 |
| Tier 1 risk-based capital ratio | 21.7402% | 1,083 |
| Total risk-based capital ratio | 22.3531% | 1,128 |
| Memoranda: | ||
| Average total assets | $335,576,000 | 1,994 |
| Average earning assets | $309,434,000 | 2,003 |
| Average equity | $37,576,000 | 2,034 |
| Average total loans | $176,984,500 | 2,397 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 4,161 |
| Cost of funding earning assets | 0.4863% | 3,438 |
| Net interest margin | 3.4663% | 3,813 |
| Noninterest income to average assets | 0.3569% | 3,707 |
| Noninterest expense to average assets | 3.0652% | 1,881 |
| Loan and lease loss provision to assets | 0.0548% | 3,074 |
| Net operating income to assets | 0.6002% | 4,423 |
| Return on assets (ROA) | 0.6668% | 4,249 |
| Pretax return on assets | 0.4961% | 4,804 |
| Return on Equity (ROE) | 6.0293% | 4,167 |
| Retained earnings to average equity (ytd only) | 6.0293% | 2,179 |
| Net charge-offs to loans | 0.0154% | 3,173 |
| Credit loss provision to net charge-offs | 676.9231% | 512 |
| Earnings coverage of net charge-offs (x) | 59.8077% | 1,023 |
| Efficiency ratio | 86.3561% | 509 |
| Assets per employee ($millions) | 4.2810% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,980 |
| Loan loss allowance to noncurrent loans | 43.5685% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 1,132 |
| Noncurrent loans to loans | 2.1642% | 600 |
| Net loans and leases to total assets | 52.8555% | 4,362 |
| Net loans and leases to deposits | 59.7912% | 4,492 |
| Net loans and leases to core deposits | 61.6321% | 4,557 |
| Total domestic deposits to total assets | 88.4001% | 1,116 |
| Equity capital to assets | 10.9168% | 2,772 |
| Core capital (leverage) ratio | 11.9843% | 1,740 |
| Tier 1 risk-based capital ratio | 20.7178% | 1,193 |
| Total risk-based capital ratio | 21.5883% | 1,228 |
| Memoranda: | ||
| Average total assets | $321,085,600 | 2,037 |
| Average earning assets | $295,732,200 | 2,041 |
| Average equity | $35,509,800 | 2,052 |
| Average total loans | $168,792,600 | 2,448 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,176 |
| Cost of funding earning assets | 0.4582% | 3,470 |
| Net interest margin | 3.4576% | 3,843 |
| Noninterest income to average assets | 0.3469% | 3,819 |
| Noninterest expense to average assets | 3.0166% | 1,971 |
| Loan and lease loss provision to assets | 0.0726% | 2,506 |
| Net operating income to assets | 0.4501% | 4,851 |
| Return on assets (ROA) | 0.5386% | 4,679 |
| Pretax return on assets | 0.5335% | 4,850 |
| Return on Equity (ROE) | 4.8533% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.8533% | 3,315 |
| Net charge-offs to loans | 0.0064% | 3,203 |
| Credit loss provision to net charge-offs | 2,162.5000% | 195 |
| Earnings coverage of net charge-offs (x) | 154.1978% | 534 |
| Efficiency ratio | 85.3549% | 555 |
| Assets per employee ($millions) | 4.1223% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,886 |
| Loan loss allowance to noncurrent loans | 45.1372% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 1,235 |
| Noncurrent loans to loans | 2.1740% | 653 |
| Net loans and leases to total assets | 52.4903% | 4,459 |
| Net loans and leases to deposits | 59.0828% | 4,595 |
| Net loans and leases to core deposits | 61.0472% | 4,661 |
| Total domestic deposits to total assets | 88.8420% | 898 |
| Equity capital to assets | 10.5500% | 3,091 |
| Core capital (leverage) ratio | 11.9823% | 1,792 |
| Tier 1 risk-based capital ratio | 20.5550% | 1,239 |
| Total risk-based capital ratio | 21.4563% | 1,273 |
| Memoranda: | ||
| Average total assets | $317,877,500 | 2,073 |
| Average earning assets | $293,030,000 | 2,073 |
| Average equity | $35,274,000 | 2,069 |
| Average total loans | $166,447,250 | 2,485 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 4,027 |
| Cost of funding earning assets | 0.4362% | 3,453 |
| Net interest margin | 3.4805% | 3,700 |
| Noninterest income to average assets | 0.2969% | 4,194 |
| Noninterest expense to average assets | 3.0322% | 1,963 |
| Loan and lease loss provision to assets | 0.0882% | 2,151 |
| Net operating income to assets | 0.3857% | 4,982 |
| Return on assets (ROA) | 0.5107% | 4,732 |
| Pretax return on assets | 0.5107% | 4,887 |
| Return on Equity (ROE) | 4.5251% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.5251% | 3,330 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4845% | 547 |
| Assets per employee ($millions) | 4.1216% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,947 |
| Loan loss allowance to noncurrent loans | 44.5632% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 1,224 |
| Noncurrent loans to loans | 2.2042% | 633 |
| Net loans and leases to total assets | 52.9803% | 4,413 |
| Net loans and leases to deposits | 59.9499% | 4,531 |
| Net loans and leases to core deposits | 61.7813% | 4,613 |
| Total domestic deposits to total assets | 88.3743% | 1,190 |
| Equity capital to assets | 11.0872% | 2,552 |
| Core capital (leverage) ratio | 12.0114% | 1,708 |
| Tier 1 risk-based capital ratio | 20.5375% | 1,242 |
| Total risk-based capital ratio | 21.4353% | 1,265 |
| Memoranda: | ||
| Average total assets | $315,283,330 | 2,094 |
| Average earning assets | $290,704,670 | 2,096 |
| Average equity | $35,579,670 | 2,062 |
| Average total loans | $164,385,000 | 2,510 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 4,068 |
| Cost of funding earning assets | 0.4195% | 3,447 |
| Net interest margin | 3.4359% | 3,755 |
| Noninterest income to average assets | 0.2673% | 4,389 |
| Noninterest expense to average assets | 2.9226% | 2,280 |
| Loan and lease loss provision to assets | 0.1668% | 1,070 |
| Net operating income to assets | 0.3564% | 5,003 |
| Return on assets (ROA) | 0.4875% | 4,732 |
| Pretax return on assets | 0.4786% | 4,904 |
| Return on Equity (ROE) | 4.2822% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.2822% | 3,470 |
| Net charge-offs to loans | 0.0148% | 2,228 |
| Credit loss provision to net charge-offs | 2,183.3333% | 172 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 790 |
| Efficiency ratio | 85.0370% | 711 |
| Assets per employee ($millions) | 4.0613% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 4,002 |
| Loan loss allowance to noncurrent loans | 44.0714% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 1,269 |
| Noncurrent loans to loans | 2.2535% | 654 |
| Net loans and leases to total assets | 52.7269% | 4,388 |
| Net loans and leases to deposits | 59.6592% | 4,500 |
| Net loans and leases to core deposits | 61.2040% | 4,604 |
| Total domestic deposits to total assets | 88.3802% | 1,418 |
| Equity capital to assets | 11.1059% | 2,482 |
| Core capital (leverage) ratio | 12.0261% | 1,636 |
| Tier 1 risk-based capital ratio | 19.7301% | 1,388 |
| Total risk-based capital ratio | 20.6012% | 1,432 |
| Memoranda: | ||
| Average total assets | $314,241,500 | 2,113 |
| Average earning assets | $289,877,000 | 2,120 |
| Average equity | $35,776,000 | 2,055 |
| Average total loans | $161,672,500 | 2,555 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 4,099 |
| Cost of funding earning assets | 0.4012% | 3,247 |
| Net interest margin | 3.3828% | 3,901 |
| Noninterest income to average assets | 0.2953% | 4,343 |
| Noninterest expense to average assets | 2.9354% | 2,330 |
| Loan and lease loss provision to assets | 0.1578% | 1,424 |
| Net operating income to assets | 0.2577% | 5,009 |
| Return on assets (ROA) | 0.3165% | 4,917 |
| Pretax return on assets | 0.3946% | 5,095 |
| Return on Equity (ROE) | 2.7361% | 4,902 |
| Retained earnings to average equity (ytd only) | 2.7361% | 3,674 |
| Net charge-offs to loans | 0.0104% | 3,723 |
| Credit loss provision to net charge-offs | 3,068.7500% | 133 |
| Earnings coverage of net charge-offs (x) | 93.1250% | 678 |
| Efficiency ratio | 85.9752% | 646 |
| Assets per employee ($millions) | 4.0483% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,079 |
| Loan loss allowance to noncurrent loans | 37.0487% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3070% | 1,109 |
| Noncurrent loans to loans | 2.6319% | 490 |
| Net loans and leases to total assets | 49.1744% | 4,694 |
| Net loans and leases to deposits | 56.0393% | 4,796 |
| Net loans and leases to core deposits | 57.4766% | 4,874 |
| Total domestic deposits to total assets | 87.7498% | 1,628 |
| Equity capital to assets | 11.6612% | 2,068 |
| Core capital (leverage) ratio | 11.8530% | 1,688 |
| Tier 1 risk-based capital ratio | 21.0511% | 1,139 |
| Total risk-based capital ratio | 21.9147% | 1,178 |
| Memoranda: | ||
| Average total assets | $311,172,200 | 2,112 |
| Average earning assets | $286,893,200 | 2,118 |
| Average equity | $36,000,600 | 2,023 |
| Average total loans | $153,348,200 | 2,617 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 3,982 |
| Cost of funding earning assets | 0.3993% | 3,197 |
| Net interest margin | 3.4090% | 3,818 |
| Noninterest income to average assets | 0.2929% | 4,438 |
| Noninterest expense to average assets | 3.0427% | 1,985 |
| Loan and lease loss provision to assets | -0.0151% | 5,470 |
| Net operating income to assets | 0.3485% | 5,115 |
| Return on assets (ROA) | 0.4348% | 4,948 |
| Pretax return on assets | 0.5096% | 5,011 |
| Return on Equity (ROE) | 3.7658% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,681 |
| Net charge-offs to loans | -0.0149% | 4,754 |
| Credit loss provision to net charge-offs | 205.8824% | 1,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5593% | 476 |
| Assets per employee ($millions) | 4.2295% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 5,188 |
| Loan loss allowance to noncurrent loans | 83.4138% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 3,440 |
| Noncurrent loans to loans | 0.8129% | 2,334 |
| Net loans and leases to total assets | 48.4865% | 4,801 |
| Net loans and leases to deposits | 55.3338% | 4,905 |
| Net loans and leases to core deposits | 56.7804% | 4,958 |
| Total domestic deposits to total assets | 87.6254% | 1,564 |
| Equity capital to assets | 11.8567% | 2,065 |
| Core capital (leverage) ratio | 12.0067% | 1,681 |
| Tier 1 risk-based capital ratio | 21.4961% | 1,116 |
| Total risk-based capital ratio | 22.0966% | 1,192 |
| Memoranda: | ||
| Average total assets | $310,023,750 | 2,126 |
| Average earning assets | $285,822,500 | 2,134 |
| Average equity | $35,795,250 | 2,042 |
| Average total loans | $152,484,000 | 2,643 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 3,871 |
| Cost of funding earning assets | 0.3907% | 3,169 |
| Net interest margin | 3.4147% | 3,721 |
| Noninterest income to average assets | 0.2971% | 4,412 |
| Noninterest expense to average assets | 3.0391% | 2,014 |
| Loan and lease loss provision to assets | 0.0162% | 3,632 |
| Net operating income to assets | 0.3339% | 5,140 |
| Return on assets (ROA) | 0.4129% | 4,976 |
| Pretax return on assets | 0.4789% | 5,044 |
| Return on Equity (ROE) | 3.6089% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6089% | 3,557 |
| Net charge-offs to loans | -0.0157% | 4,685 |
| Credit loss provision to net charge-offs | -208.3333% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2873% | 531 |
| Assets per employee ($millions) | 4.2301% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 5,180 |
| Loan loss allowance to noncurrent loans | 75.5540% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 3,267 |
| Noncurrent loans to loans | 0.9439% | 2,078 |
| Net loans and leases to total assets | 48.5255% | 4,792 |
| Net loans and leases to deposits | 55.3181% | 4,887 |
| Net loans and leases to core deposits | 57.0050% | 4,956 |
| Total domestic deposits to total assets | 87.7209% | 1,607 |
| Equity capital to assets | 11.7932% | 2,077 |
| Core capital (leverage) ratio | 11.9459% | 1,665 |
| Tier 1 risk-based capital ratio | 21.3765% | 1,134 |
| Total risk-based capital ratio | 22.0109% | 1,203 |
| Memoranda: | ||
| Average total assets | $309,038,330 | 2,136 |
| Average earning assets | $284,653,670 | 2,144 |
| Average equity | $35,357,330 | 2,060 |
| Average total loans | $152,382,330 | 2,655 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 3,755 |
| Cost of funding earning assets | 0.3781% | 3,222 |
| Net interest margin | 3.4253% | 3,548 |
| Noninterest income to average assets | 0.2944% | 4,447 |
| Noninterest expense to average assets | 3.0159% | 2,129 |
| Loan and lease loss provision to assets | 0.0326% | 3,136 |
| Net operating income to assets | 0.3556% | 5,060 |
| Return on assets (ROA) | 0.4820% | 4,690 |
| Pretax return on assets | 0.5393% | 4,870 |
| Return on Equity (ROE) | 4.2802% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.2802% | 3,297 |
| Net charge-offs to loans | 0.0105% | 2,614 |
| Credit loss provision to net charge-offs | 625.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 642 |
| Efficiency ratio | 87.5236% | 694 |
| Assets per employee ($millions) | 4.1513% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 5,298 |
| Loan loss allowance to noncurrent loans | 85.7941% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 3,556 |
| Noncurrent loans to loans | 0.8211% | 2,400 |
| Net loans and leases to total assets | 49.3257% | 4,728 |
| Net loans and leases to deposits | 55.9122% | 4,821 |
| Net loans and leases to core deposits | 57.4722% | 4,905 |
| Total domestic deposits to total assets | 88.2199% | 1,582 |
| Equity capital to assets | 11.3348% | 2,318 |
| Core capital (leverage) ratio | 12.0004% | 1,630 |
| Tier 1 risk-based capital ratio | 21.1523% | 1,201 |
| Total risk-based capital ratio | 21.7748% | 1,266 |
| Memoranda: | ||
| Average total assets | $307,043,000 | 2,163 |
| Average earning assets | $282,484,000 | 2,180 |
| Average equity | $34,578,000 | 2,104 |
| Average total loans | $152,078,500 | 2,670 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,224 |
| Cost of funding earning assets | 0.3655% | 3,364 |
| Net interest margin | 3.3287% | 4,059 |
| Noninterest income to average assets | 0.3031% | 4,577 |
| Noninterest expense to average assets | 2.8357% | 2,901 |
| Loan and lease loss provision to assets | 0.0720% | 2,917 |
| Net operating income to assets | 0.3862% | 4,990 |
| Return on assets (ROA) | 0.8557% | 3,154 |
| Pretax return on assets | 1.0631% | 3,246 |
| Return on Equity (ROE) | 7.3905% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.3905% | 1,081 |
| Net charge-offs to loans | 0.0133% | 3,832 |
| Credit loss provision to net charge-offs | 1,125.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 85.6500% | 681 |
| Efficiency ratio | 83.7999% | 1,028 |
| Assets per employee ($millions) | 4.2624% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 5,368 |
| Loan loss allowance to noncurrent loans | 82.5372% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 3,604 |
| Noncurrent loans to loans | 0.8426% | 2,419 |
| Net loans and leases to total assets | 49.0409% | 4,833 |
| Net loans and leases to deposits | 55.6745% | 4,929 |
| Net loans and leases to core deposits | 57.1731% | 5,007 |
| Total domestic deposits to total assets | 88.0850% | 1,593 |
| Equity capital to assets | 11.1883% | 2,432 |
| Core capital (leverage) ratio | 11.8125% | 1,715 |
| Tier 1 risk-based capital ratio | 21.1181% | 1,188 |
| Total risk-based capital ratio | 21.7359% | 1,263 |
| Memoranda: | ||
| Average total assets | $312,478,000 | 2,102 |
| Average earning assets | $289,212,200 | 2,108 |
| Average equity | $36,181,800 | 2,015 |
| Average total loans | $150,144,600 | 2,641 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,288 |
| Cost of funding earning assets | 0.3675% | 3,358 |
| Net interest margin | 3.3209% | 4,126 |
| Noninterest income to average assets | 0.3101% | 4,551 |
| Noninterest expense to average assets | 2.7403% | 3,216 |
| Loan and lease loss provision to assets | 0.0850% | 2,522 |
| Net operating income to assets | 0.4624% | 4,827 |
| Return on assets (ROA) | 1.1087% | 2,062 |
| Pretax return on assets | 1.3423% | 2,262 |
| Return on Equity (ROE) | 9.4967% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.4967% | 690 |
| Net charge-offs to loans | 0.0107% | 3,557 |
| Credit loss provision to net charge-offs | 1,666.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 127.2469% | 541 |
| Efficiency ratio | 80.8599% | 1,317 |
| Assets per employee ($millions) | 4.6010% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 5,434 |
| Loan loss allowance to noncurrent loans | 70.2575% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 3,520 |
| Noncurrent loans to loans | 0.9935% | 2,257 |
| Net loans and leases to total assets | 47.8575% | 4,966 |
| Net loans and leases to deposits | 54.9690% | 5,054 |
| Net loans and leases to core deposits | 56.4014% | 5,129 |
| Total domestic deposits to total assets | 87.0628% | 1,864 |
| Equity capital to assets | 12.2722% | 1,923 |
| Core capital (leverage) ratio | 11.8184% | 1,801 |
| Tier 1 risk-based capital ratio | 21.6484% | 1,174 |
| Total risk-based capital ratio | 22.2702% | 1,251 |
| Memoranda: | ||
| Average total assets | $313,874,750 | 2,099 |
| Average earning assets | $291,001,500 | 2,097 |
| Average equity | $36,643,250 | 2,004 |
| Average total loans | $149,791,750 | 2,650 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,277 |
| Cost of funding earning assets | 0.3757% | 3,295 |
| Net interest margin | 3.3324% | 4,109 |
| Noninterest income to average assets | 0.3224% | 4,478 |
| Noninterest expense to average assets | 2.7066% | 3,370 |
| Loan and lease loss provision to assets | 0.1267% | 1,798 |
| Net operating income to assets | 0.4676% | 4,811 |
| Return on assets (ROA) | 1.2079% | 1,669 |
| Pretax return on assets | 1.4930% | 1,685 |
| Return on Equity (ROE) | 10.5222% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.5222% | 502 |
| Net charge-offs to loans | 0.0160% | 3,199 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 92.8333% | 619 |
| Efficiency ratio | 79.3206% | 1,585 |
| Assets per employee ($millions) | 4.4502% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 5,550 |
| Loan loss allowance to noncurrent loans | 323.0530% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 5,100 |
| Noncurrent loans to loans | 0.2115% | 4,594 |
| Net loans and leases to total assets | 48.3895% | 4,958 |
| Net loans and leases to deposits | 55.4991% | 5,047 |
| Net loans and leases to core deposits | 57.1929% | 5,116 |
| Total domestic deposits to total assets | 87.1897% | 1,814 |
| Equity capital to assets | 12.1247% | 2,037 |
| Core capital (leverage) ratio | 11.4381% | 2,034 |
| Tier 1 risk-based capital ratio | 20.8874% | 1,281 |
| Total risk-based capital ratio | 21.4987% | 1,371 |
| Memoranda: | ||
| Average total assets | $315,744,670 | 2,091 |
| Average earning assets | $292,761,330 | 2,100 |
| Average equity | $36,247,330 | 2,027 |
| Average total loans | $150,200,670 | 2,644 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,042 |
| Cost of funding earning assets | 0.3961% | 3,120 |
| Net interest margin | 3.3788% | 3,944 |
| Noninterest income to average assets | 0.3737% | 4,046 |
| Noninterest expense to average assets | 2.7069% | 3,389 |
| Loan and lease loss provision to assets | 0.2517% | 697 |
| Net operating income to assets | 0.4330% | 4,888 |
| Return on assets (ROA) | 1.6548% | 671 |
| Pretax return on assets | 2.0965% | 468 |
| Return on Equity (ROE) | 14.8227% | 699 |
| Retained earnings to average equity (ytd only) | 14.8227% | 261 |
| Net charge-offs to loans | 0.0321% | 2,313 |
| Credit loss provision to net charge-offs | 1,666.6667% | 245 |
| Earnings coverage of net charge-offs (x) | 53.0833% | 844 |
| Efficiency ratio | 77.1521% | 2,018 |
| Assets per employee ($millions) | 4.6166% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 5,613 |
| Loan loss allowance to noncurrent loans | 534.5361% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 5,360 |
| Noncurrent loans to loans | 0.1291% | 4,957 |
| Net loans and leases to total assets | 46.8499% | 5,057 |
| Net loans and leases to deposits | 53.4662% | 5,135 |
| Net loans and leases to core deposits | 55.2527% | 5,175 |
| Total domestic deposits to total assets | 87.6252% | 1,847 |
| Equity capital to assets | 11.6452% | 2,292 |
| Core capital (leverage) ratio | 11.0700% | 2,343 |
| Tier 1 risk-based capital ratio | 20.4900% | 1,408 |
| Total risk-based capital ratio | 21.0998% | 1,501 |
| Memoranda: | ||
| Average total assets | $317,860,000 | 2,099 |
| Average earning assets | $294,896,500 | 2,089 |
| Average equity | $35,486,000 | 2,060 |
| Average total loans | $149,412,500 | 2,658 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 3,924 |
| Cost of funding earning assets | 0.3513% | 3,689 |
| Net interest margin | 3.4855% | 3,572 |
| Noninterest income to average assets | 0.2164% | 5,293 |
| Noninterest expense to average assets | 2.7300% | 3,484 |
| Loan and lease loss provision to assets | 0.0098% | 4,206 |
| Net operating income to assets | 0.6086% | 4,226 |
| Return on assets (ROA) | 0.6254% | 4,250 |
| Pretax return on assets | 0.7163% | 4,483 |
| Return on Equity (ROE) | 5.8269% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.6746% | 1,970 |
| Net charge-offs to loans | 0.0030% | 4,361 |
| Credit loss provision to net charge-offs | 750.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 540.5000% | 123 |
| Efficiency ratio | 79.4350% | 1,756 |
| Assets per employee ($millions) | 4.7340% | 2,684 |
| Cash dividends to net income (ytd only)* | 2.6137% | 4,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5715% | 5,832 |
| Loan loss allowance to noncurrent loans | 201.1848% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,061 |
| Noncurrent loans to loans | 0.2841% | 4,445 |
| Net loans and leases to total assets | 46.5677% | 5,120 |
| Net loans and leases to deposits | 52.5722% | 5,258 |
| Net loans and leases to core deposits | 53.6542% | 5,339 |
| Total domestic deposits to total assets | 88.5786% | 1,339 |
| Equity capital to assets | 10.6808% | 3,156 |
| Core capital (leverage) ratio | 10.8452% | 2,565 |
| Tier 1 risk-based capital ratio | 19.8031% | 1,518 |
| Total risk-based capital ratio | 20.3042% | 1,650 |
| Memoranda: | ||
| Average total assets | $305,894,400 | 2,118 |
| Average earning assets | $282,627,200 | 2,119 |
| Average equity | $32,830,400 | 2,154 |
| Average total loans | $135,322,200 | 2,794 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 4,023 |
| Cost of funding earning assets | 0.3540% | 3,714 |
| Net interest margin | 3.4671% | 3,683 |
| Noninterest income to average assets | 0.2178% | 5,356 |
| Noninterest expense to average assets | 2.7517% | 3,378 |
| Loan and lease loss provision to assets | 0.0132% | 4,010 |
| Net operating income to assets | 0.5629% | 4,554 |
| Return on assets (ROA) | 0.5776% | 4,580 |
| Pretax return on assets | 0.6718% | 4,774 |
| Return on Equity (ROE) | 5.3752% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.1705% | 2,795 |
| Net charge-offs to loans | 0.0020% | 4,112 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 758.0337% | 102 |
| Efficiency ratio | 80.4709% | 1,590 |
| Assets per employee ($millions) | 4.4113% | 3,155 |
| Cash dividends to net income (ytd only)* | 3.8084% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6126% | 5,873 |
| Loan loss allowance to noncurrent loans | 150.3534% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 5,010 |
| Noncurrent loans to loans | 0.4074% | 4,150 |
| Net loans and leases to total assets | 45.3600% | 5,268 |
| Net loans and leases to deposits | 51.3730% | 5,399 |
| Net loans and leases to core deposits | 52.3658% | 5,487 |
| Total domestic deposits to total assets | 88.2955% | 1,400 |
| Equity capital to assets | 10.9578% | 3,073 |
| Core capital (leverage) ratio | 10.8391% | 2,657 |
| Tier 1 risk-based capital ratio | 20.9248% | 1,355 |
| Total risk-based capital ratio | 21.4652% | 1,467 |
| Memoranda: | ||
| Average total assets | $303,073,750 | 2,144 |
| Average earning assets | $279,880,000 | 2,150 |
| Average equity | $32,568,750 | 2,182 |
| Average total loans | $132,015,000 | 2,870 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 4,067 |
| Cost of funding earning assets | 0.3532% | 3,773 |
| Net interest margin | 3.4470% | 3,720 |
| Noninterest income to average assets | 0.2154% | 5,405 |
| Noninterest expense to average assets | 2.8199% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4902% | 4,815 |
| Return on assets (ROA) | 0.5082% | 4,839 |
| Pretax return on assets | 0.5961% | 4,982 |
| Return on Equity (ROE) | 4.7605% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.4510% | 3,177 |
| Net charge-offs to loans | 0.0031% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 435.0000% | 151 |
| Efficiency ratio | 83.0640% | 1,360 |
| Assets per employee ($millions) | 4.4199% | 3,111 |
| Cash dividends to net income (ytd only)* | 6.5020% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 5,948 |
| Loan loss allowance to noncurrent loans | 145.5674% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 5,114 |
| Noncurrent loans to loans | 0.4239% | 4,209 |
| Net loans and leases to total assets | 43.9953% | 5,380 |
| Net loans and leases to deposits | 49.7316% | 5,519 |
| Net loans and leases to core deposits | 50.7044% | 5,587 |
| Total domestic deposits to total assets | 88.4655% | 1,422 |
| Equity capital to assets | 10.8717% | 3,023 |
| Core capital (leverage) ratio | 10.8333% | 2,577 |
| Tier 1 risk-based capital ratio | 21.0182% | 1,358 |
| Total risk-based capital ratio | 21.5506% | 1,459 |
| Memoranda: | ||
| Average total assets | $302,639,000 | 2,169 |
| Average earning assets | $279,139,330 | 2,169 |
| Average equity | $32,307,330 | 2,207 |
| Average total loans | $129,714,330 | 2,917 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,163 |
| Cost of funding earning assets | 0.3514% | 3,844 |
| Net interest margin | 3.4094% | 3,807 |
| Noninterest income to average assets | 0.2173% | 5,399 |
| Noninterest expense to average assets | 2.9043% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3915% | 5,099 |
| Return on assets (ROA) | 0.4017% | 5,176 |
| Pretax return on assets | 0.4689% | 5,264 |
| Return on Equity (ROE) | 3.7978% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.1752% | 4,084 |
| Net charge-offs to loans | 0.0156% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 69.4000% | 648 |
| Efficiency ratio | 86.4028% | 1,145 |
| Assets per employee ($millions) | 4.2877% | 3,395 |
| Cash dividends to net income (ytd only)* | 16.3934% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 6,010 |
| Loan loss allowance to noncurrent loans | 211.9171% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 5,449 |
| Noncurrent loans to loans | 0.2993% | 4,718 |
| Net loans and leases to total assets | 42.0900% | 5,479 |
| Net loans and leases to deposits | 47.4278% | 5,595 |
| Net loans and leases to core deposits | 48.2472% | 5,659 |
| Total domestic deposits to total assets | 88.7453% | 1,424 |
| Equity capital to assets | 10.6381% | 3,386 |
| Core capital (leverage) ratio | 10.8253% | 2,595 |
| Tier 1 risk-based capital ratio | 21.3658% | 1,357 |
| Total risk-based capital ratio | 21.9083% | 1,454 |
| Memoranda: | ||
| Average total assets | $303,683,500 | 2,179 |
| Average earning assets | $280,047,500 | 2,176 |
| Average equity | $32,123,500 | 2,227 |
| Average total loans | $128,047,000 | 2,947 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8550% | 4,298 |
| Cost of funding earning assets | 0.4189% | 3,490 |
| Net interest margin | 3.4361% | 4,042 |
| Noninterest income to average assets | 0.2382% | 5,427 |
| Noninterest expense to average assets | 2.7058% | 3,841 |
| Loan and lease loss provision to assets | 0.0354% | 3,883 |
| Net operating income to assets | 0.5776% | 4,469 |
| Return on assets (ROA) | 0.5915% | 4,495 |
| Pretax return on assets | 0.6634% | 4,747 |
| Return on Equity (ROE) | 5.4692% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.4692% | 2,281 |
| Net charge-offs to loans | 0.0178% | 4,503 |
| Credit loss provision to net charge-offs | 476.1905% | 550 |
| Earnings coverage of net charge-offs (x) | 91.8095% | 566 |
| Efficiency ratio | 79.8390% | 1,956 |
| Assets per employee ($millions) | 4.4550% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6473% | 6,077 |
| Loan loss allowance to noncurrent loans | 250.1520% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 5,603 |
| Noncurrent loans to loans | 0.2588% | 4,911 |
| Net loans and leases to total assets | 41.6979% | 5,643 |
| Net loans and leases to deposits | 46.9673% | 5,748 |
| Net loans and leases to core deposits | 47.5902% | 5,834 |
| Total domestic deposits to total assets | 88.7807% | 1,368 |
| Equity capital to assets | 10.5175% | 3,453 |
| Core capital (leverage) ratio | 10.8428% | 2,563 |
| Tier 1 risk-based capital ratio | 21.3222% | 1,337 |
| Total risk-based capital ratio | 21.8681% | 1,459 |
| Memoranda: | ||
| Average total assets | $282,173,000 | 2,257 |
| Average earning assets | $258,752,600 | 2,284 |
| Average equity | $30,516,600 | 2,244 |
| Average total loans | $117,893,800 | 3,084 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,274 |
| Cost of funding earning assets | 0.4360% | 3,405 |
| Net interest margin | 3.4359% | 4,089 |
| Noninterest income to average assets | 0.2426% | 5,468 |
| Noninterest expense to average assets | 2.7294% | 3,716 |
| Loan and lease loss provision to assets | 0.0481% | 3,412 |
| Net operating income to assets | 0.5417% | 4,703 |
| Return on assets (ROA) | 0.5603% | 4,705 |
| Pretax return on assets | 0.6349% | 4,922 |
| Return on Equity (ROE) | 5.1423% | 4,656 |
| Retained earnings to average equity (ytd only) | 5.1423% | 2,992 |
| Net charge-offs to loans | 0.0427% | 3,649 |
| Credit loss provision to net charge-offs | 270.2703% | 988 |
| Earnings coverage of net charge-offs (x) | 37.1638% | 1,187 |
| Efficiency ratio | 80.4826% | 1,847 |
| Assets per employee ($millions) | 4.1161% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 6,121 |
| Loan loss allowance to noncurrent loans | 247.5460% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 5,712 |
| Noncurrent loans to loans | 0.2775% | 5,080 |
| Net loans and leases to total assets | 40.4897% | 5,788 |
| Net loans and leases to deposits | 45.7513% | 5,881 |
| Net loans and leases to core deposits | 46.5394% | 5,939 |
| Total domestic deposits to total assets | 88.4996% | 1,497 |
| Equity capital to assets | 10.7833% | 3,200 |
| Core capital (leverage) ratio | 11.1723% | 2,335 |
| Tier 1 risk-based capital ratio | 23.1074% | 1,098 |
| Total risk-based capital ratio | 23.6968% | 1,179 |
| Memoranda: | ||
| Average total assets | $276,980,500 | 2,315 |
| Average earning assets | $253,823,250 | 2,331 |
| Average equity | $30,180,250 | 2,273 |
| Average total loans | $115,581,250 | 3,138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,145 |
| Cost of funding earning assets | 0.4375% | 3,465 |
| Net interest margin | 3.4589% | 3,943 |
| Noninterest income to average assets | 0.2452% | 5,445 |
| Noninterest expense to average assets | 2.7578% | 3,669 |
| Loan and lease loss provision to assets | 0.0732% | 2,804 |
| Net operating income to assets | 0.5041% | 4,794 |
| Return on assets (ROA) | 0.5174% | 4,833 |
| Pretax return on assets | 0.5950% | 4,971 |
| Return on Equity (ROE) | 4.7317% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.7317% | 3,126 |
| Net charge-offs to loans | 0.0557% | 3,166 |
| Credit loss provision to net charge-offs | 312.5000% | 827 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 1,325 |
| Efficiency ratio | 80.8584% | 1,900 |
| Assets per employee ($millions) | 3.9245% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 6,199 |
| Loan loss allowance to noncurrent loans | 203.0000% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 5,716 |
| Noncurrent loans to loans | 0.3371% | 5,006 |
| Net loans and leases to total assets | 42.2975% | 5,658 |
| Net loans and leases to deposits | 47.8823% | 5,777 |
| Net loans and leases to core deposits | 48.5930% | 5,871 |
| Total domestic deposits to total assets | 88.3364% | 1,716 |
| Equity capital to assets | 10.9774% | 2,899 |
| Core capital (leverage) ratio | 11.3345% | 2,132 |
| Tier 1 risk-based capital ratio | 22.8135% | 1,139 |
| Total risk-based capital ratio | 23.4076% | 1,216 |
| Memoranda: | ||
| Average total assets | $273,264,000 | 2,352 |
| Average earning assets | $250,081,670 | 2,354 |
| Average equity | $29,883,670 | 2,280 |
| Average total loans | $114,951,670 | 3,154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 4,150 |
| Cost of funding earning assets | 0.4398% | 3,536 |
| Net interest margin | 3.4438% | 3,926 |
| Noninterest income to average assets | 0.2469% | 5,384 |
| Noninterest expense to average assets | 2.7083% | 3,904 |
| Loan and lease loss provision to assets | 0.1109% | 2,094 |
| Net operating income to assets | 0.4878% | 4,745 |
| Return on assets (ROA) | 0.4878% | 4,821 |
| Pretax return on assets | 0.5765% | 4,910 |
| Return on Equity (ROE) | 4.4697% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.4697% | 3,438 |
| Net charge-offs to loans | 0.1698% | 1,700 |
| Credit loss provision to net charge-offs | 156.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 9.6875% | 1,917 |
| Efficiency ratio | 79.7562% | 2,244 |
| Assets per employee ($millions) | 4.1971% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 6,314 |
| Loan loss allowance to noncurrent loans | 132.9310% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 5,587 |
| Noncurrent loans to loans | 0.5050% | 4,649 |
| Net loans and leases to total assets | 41.1828% | 5,736 |
| Net loans and leases to deposits | 46.5295% | 5,818 |
| Net loans and leases to core deposits | 47.1514% | 5,922 |
| Total domestic deposits to total assets | 88.5091% | 1,932 |
| Equity capital to assets | 10.7905% | 2,946 |
| Core capital (leverage) ratio | 11.3125% | 2,125 |
| Tier 1 risk-based capital ratio | 23.5565% | 1,066 |
| Total risk-based capital ratio | 24.1462% | 1,143 |
| Memoranda: | ||
| Average total assets | $270,578,000 | 2,374 |
| Average earning assets | $247,404,500 | 2,375 |
| Average equity | $29,532,000 | 2,295 |
| Average total loans | $113,093,500 | 3,203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,908 |
| Cost of funding earning assets | 0.4774% | 3,845 |
| Net interest margin | 3.5764% | 3,570 |
| Noninterest income to average assets | 0.2949% | 5,245 |
| Noninterest expense to average assets | 2.7366% | 3,967 |
| Loan and lease loss provision to assets | -0.0422% | 6,358 |
| Net operating income to assets | 0.7532% | 3,530 |
| Return on assets (ROA) | 0.8256% | 3,244 |
| Pretax return on assets | 0.9521% | 3,551 |
| Return on Equity (ROE) | 7.1420% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.1420% | 1,380 |
| Net charge-offs to loans | 0.0067% | 5,321 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 151 |
| Efficiency ratio | 76.7982% | 2,655 |
| Assets per employee ($millions) | 4.4024% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 6,394 |
| Loan loss allowance to noncurrent loans | 133.5727% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,654 |
| Noncurrent loans to loans | 0.5003% | 4,744 |
| Net loans and leases to total assets | 41.8675% | 5,833 |
| Net loans and leases to deposits | 47.4678% | 5,928 |
| Net loans and leases to core deposits | 48.1295% | 6,024 |
| Total domestic deposits to total assets | 88.2019% | 2,056 |
| Equity capital to assets | 11.0443% | 2,572 |
| Core capital (leverage) ratio | 11.9184% | 1,663 |
| Tier 1 risk-based capital ratio | 23.4094% | 1,033 |
| Total risk-based capital ratio | 23.9810% | 1,117 |
| Memoranda: | ||
| Average total assets | $248,924,200 | 2,538 |
| Average earning assets | $227,493,200 | 2,541 |
| Average equity | $28,773,400 | 2,321 |
| Average total loans | $104,434,000 | 3,355 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 3,884 |
| Cost of funding earning assets | 0.4858% | 3,906 |
| Net interest margin | 3.5777% | 3,546 |
| Noninterest income to average assets | 0.3019% | 5,283 |
| Noninterest expense to average assets | 2.8230% | 3,582 |
| Loan and lease loss provision to assets | -0.0734% | 6,586 |
| Net operating income to assets | 0.7212% | 3,749 |
| Return on assets (ROA) | 0.8175% | 3,388 |
| Pretax return on assets | 0.9454% | 3,709 |
| Return on Equity (ROE) | 6.9889% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.9889% | 1,883 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7916% | 2,293 |
| Assets per employee ($millions) | 4.1348% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 6,478 |
| Loan loss allowance to noncurrent loans | 100.8392% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 5,571 |
| Noncurrent loans to loans | 0.6618% | 4,548 |
| Net loans and leases to total assets | 43.2602% | 5,794 |
| Net loans and leases to deposits | 49.3530% | 5,877 |
| Net loans and leases to core deposits | 50.1472% | 6,013 |
| Total domestic deposits to total assets | 87.6546% | 2,324 |
| Equity capital to assets | 11.5468% | 2,267 |
| Core capital (leverage) ratio | 12.5049% | 1,421 |
| Tier 1 risk-based capital ratio | 23.5541% | 1,064 |
| Total risk-based capital ratio | 24.1217% | 1,149 |
| Memoranda: | ||
| Average total assets | $245,119,000 | 2,589 |
| Average earning assets | $224,796,000 | 2,580 |
| Average equity | $28,673,500 | 2,355 |
| Average total loans | $102,708,750 | 3,410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,817 |
| Cost of funding earning assets | 0.5037% | 3,863 |
| Net interest margin | 3.5775% | 3,459 |
| Noninterest income to average assets | 0.2802% | 5,447 |
| Noninterest expense to average assets | 2.7354% | 3,907 |
| Loan and lease loss provision to assets | -0.1311% | 6,734 |
| Net operating income to assets | 0.8476% | 3,057 |
| Return on assets (ROA) | 0.9978% | 2,476 |
| Pretax return on assets | 1.1264% | 2,987 |
| Return on Equity (ROE) | 8.4929% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,293 |
| Net charge-offs to loans | -0.0040% | 5,596 |
| Credit loss provision to net charge-offs | 8,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7939% | 2,666 |
| Assets per employee ($millions) | 3.7679% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 6,534 |
| Loan loss allowance to noncurrent loans | 110.4430% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 5,665 |
| Noncurrent loans to loans | 0.6081% | 4,735 |
| Net loans and leases to total assets | 44.9105% | 5,649 |
| Net loans and leases to deposits | 52.3286% | 5,660 |
| Net loans and leases to core deposits | 53.6354% | 5,777 |
| Total domestic deposits to total assets | 85.8239% | 3,462 |
| Equity capital to assets | 12.4789% | 1,588 |
| Core capital (leverage) ratio | 12.2261% | 1,493 |
| Tier 1 risk-based capital ratio | 24.2594% | 969 |
| Total risk-based capital ratio | 24.8308% | 1,030 |
| Memoranda: | ||
| Average total assets | $244,130,330 | 2,616 |
| Average earning assets | $223,953,000 | 2,601 |
| Average equity | $28,682,670 | 2,370 |
| Average total loans | $100,930,670 | 3,461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 4,329 |
| Cost of funding earning assets | 0.5042% | 4,044 |
| Net interest margin | 3.4360% | 3,978 |
| Noninterest income to average assets | 0.2674% | 5,544 |
| Noninterest expense to average assets | 2.6839% | 4,129 |
| Loan and lease loss provision to assets | -0.2547% | 6,912 |
| Net operating income to assets | 0.8739% | 2,781 |
| Return on assets (ROA) | 0.8739% | 2,934 |
| Pretax return on assets | 1.0061% | 3,319 |
| Return on Equity (ROE) | 7.6561% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.6561% | 1,873 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1279% | 2,589 |
| Assets per employee ($millions) | 4.1647% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 6,606 |
| Loan loss allowance to noncurrent loans | 107.9070% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 5,812 |
| Noncurrent loans to loans | 0.6448% | 4,832 |
| Net loans and leases to total assets | 39.0991% | 6,078 |
| Net loans and leases to deposits | 44.4549% | 6,166 |
| Net loans and leases to core deposits | 45.5037% | 6,241 |
| Total domestic deposits to total assets | 87.9522% | 2,348 |
| Equity capital to assets | 11.3613% | 2,569 |
| Core capital (leverage) ratio | 11.6119% | 1,811 |
| Tier 1 risk-based capital ratio | 24.6252% | 940 |
| Total risk-based capital ratio | 25.2167% | 1,002 |
| Memoranda: | ||
| Average total assets | $251,273,500 | 2,568 |
| Average earning assets | $231,666,500 | 2,559 |
| Average equity | $28,683,000 | 2,407 |
| Average total loans | $99,435,000 | 3,519 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 3,964 |
| Cost of funding earning assets | 0.6135% | 4,224 |
| Net interest margin | 3.7511% | 3,430 |
| Noninterest income to average assets | 0.2873% | 5,413 |
| Noninterest expense to average assets | 2.8467% | 3,851 |
| Loan and lease loss provision to assets | 0.0485% | 5,214 |
| Net operating income to assets | 0.7882% | 3,337 |
| Return on assets (ROA) | 0.8099% | 3,490 |
| Pretax return on assets | 0.8558% | 4,080 |
| Return on Equity (ROE) | 6.6685% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.4871% | 1,829 |
| Net charge-offs to loans | 0.0846% | 4,835 |
| Credit loss provision to net charge-offs | 132.5301% | 2,114 |
| Earnings coverage of net charge-offs (x) | 24.0964% | 1,189 |
| Efficiency ratio | 76.3593% | 2,686 |
| Assets per employee ($millions) | 4.0738% | 3,804 |
| Cash dividends to net income (ytd only)* | 2.7203% | 4,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,357 |
| Loan loss allowance to noncurrent loans | 106.2035% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 5,697 |
| Noncurrent loans to loans | 0.8154% | 4,554 |
| Net loans and leases to total assets | 39.4318% | 6,211 |
| Net loans and leases to deposits | 44.8415% | 6,318 |
| Net loans and leases to core deposits | 46.0786% | 6,368 |
| Total domestic deposits to total assets | 87.9360% | 2,278 |
| Equity capital to assets | 11.4700% | 2,477 |
| Core capital (leverage) ratio | 11.6438% | 1,772 |
| Tier 1 risk-based capital ratio | 23.8844% | 986 |
| Total risk-based capital ratio | 24.6160% | 1,038 |
| Memoranda: | ||
| Average total assets | $226,928,200 | 2,766 |
| Average earning assets | $208,150,000 | 2,765 |
| Average equity | $27,562,400 | 2,440 |
| Average total loans | $98,058,800 | 3,571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 3,816 |
| Cost of funding earning assets | 0.6438% | 4,243 |
| Net interest margin | 3.8097% | 3,299 |
| Noninterest income to average assets | 0.2901% | 5,459 |
| Noninterest expense to average assets | 2.8744% | 3,689 |
| Loan and lease loss provision to assets | 0.0662% | 4,866 |
| Net operating income to assets | 0.8285% | 3,312 |
| Return on assets (ROA) | 0.8588% | 3,424 |
| Pretax return on assets | 0.8817% | 4,187 |
| Return on Equity (ROE) | 6.9624% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.7184% | 2,270 |
| Net charge-offs to loans | 0.0845% | 4,542 |
| Credit loss provision to net charge-offs | 177.4194% | 1,569 |
| Earnings coverage of net charge-offs (x) | 24.5659% | 1,272 |
| Efficiency ratio | 75.8216% | 2,705 |
| Assets per employee ($millions) | 3.7358% | 4,460 |
| Cash dividends to net income (ytd only)* | 3.5041% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,391 |
| Loan loss allowance to noncurrent loans | 71.0697% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 4,876 |
| Noncurrent loans to loans | 1.2622% | 3,943 |
| Net loans and leases to total assets | 41.8307% | 6,144 |
| Net loans and leases to deposits | 48.0122% | 6,254 |
| Net loans and leases to core deposits | 49.1087% | 6,340 |
| Total domestic deposits to total assets | 87.1251% | 2,592 |
| Equity capital to assets | 12.1444% | 2,153 |
| Core capital (leverage) ratio | 12.3990% | 1,447 |
| Tier 1 risk-based capital ratio | 24.7221% | 932 |
| Total risk-based capital ratio | 25.5095% | 969 |
| Memoranda: | ||
| Average total assets | $221,535,250 | 2,845 |
| Average earning assets | $203,582,250 | 2,836 |
| Average equity | $27,327,250 | 2,478 |
| Average total loans | $97,862,500 | 3,614 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 3,687 |
| Cost of funding earning assets | 0.6881% | 4,113 |
| Net interest margin | 3.8323% | 3,211 |
| Noninterest income to average assets | 0.2906% | 5,481 |
| Noninterest expense to average assets | 2.9133% | 3,566 |
| Loan and lease loss provision to assets | 0.0779% | 4,639 |
| Net operating income to assets | 0.8232% | 3,286 |
| Return on assets (ROA) | 0.8709% | 3,300 |
| Pretax return on assets | 0.8599% | 4,234 |
| Return on Equity (ROE) | 7.0214% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.6519% | 2,303 |
| Net charge-offs to loans | 0.0470% | 4,737 |
| Credit loss provision to net charge-offs | 369.5652% | 802 |
| Earnings coverage of net charge-offs (x) | 42.2174% | 838 |
| Efficiency ratio | 76.5968% | 2,654 |
| Assets per employee ($millions) | 3.5660% | 4,828 |
| Cash dividends to net income (ytd only)* | 5.2632% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,429 |
| Loan loss allowance to noncurrent loans | 73.6973% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 4,879 |
| Noncurrent loans to loans | 1.2373% | 4,074 |
| Net loans and leases to total assets | 43.7931% | 6,033 |
| Net loans and leases to deposits | 50.4323% | 6,151 |
| Net loans and leases to core deposits | 51.9941% | 6,238 |
| Total domestic deposits to total assets | 86.8355% | 2,873 |
| Equity capital to assets | 12.4305% | 1,859 |
| Core capital (leverage) ratio | 12.5825% | 1,318 |
| Tier 1 risk-based capital ratio | 24.1980% | 991 |
| Total risk-based capital ratio | 24.9809% | 1,033 |
| Memoranda: | ||
| Average total assets | $218,173,000 | 2,889 |
| Average earning assets | $199,984,670 | 2,870 |
| Average equity | $27,060,000 | 2,479 |
| Average total loans | $97,894,670 | 3,624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 3,751 |
| Cost of funding earning assets | 0.7370% | 3,970 |
| Net interest margin | 3.8038% | 3,378 |
| Noninterest income to average assets | 0.2898% | 5,553 |
| Noninterest expense to average assets | 2.9366% | 3,484 |
| Loan and lease loss provision to assets | 0.1107% | 3,968 |
| Net operating income to assets | 0.7402% | 3,675 |
| Return on assets (ROA) | 0.8361% | 3,451 |
| Pretax return on assets | 0.8251% | 4,320 |
| Return on Equity (ROE) | 6.7490% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.7490% | 2,551 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7615% | 2,529 |
| Assets per employee ($millions) | 3.4554% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,515 |
| Loan loss allowance to noncurrent loans | 81.7847% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 5,108 |
| Noncurrent loans to loans | 1.1099% | 4,476 |
| Net loans and leases to total assets | 43.8834% | 6,026 |
| Net loans and leases to deposits | 50.3905% | 6,108 |
| Net loans and leases to core deposits | 52.0117% | 6,204 |
| Total domestic deposits to total assets | 87.0868% | 2,910 |
| Equity capital to assets | 12.2345% | 1,888 |
| Core capital (leverage) ratio | 12.5756% | 1,306 |
| Tier 1 risk-based capital ratio | 24.1520% | 990 |
| Total risk-based capital ratio | 24.9445% | 1,028 |
| Memoranda: | ||
| Average total assets | $216,712,500 | 2,928 |
| Average earning assets | $198,642,500 | 2,913 |
| Average equity | $26,848,500 | 2,487 |
| Average total loans | $97,984,500 | 3,642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 4,529 |
| Cost of funding earning assets | 0.9624% | 3,623 |
| Net interest margin | 3.6721% | 4,423 |
| Noninterest income to average assets | 0.3737% | 4,839 |
| Noninterest expense to average assets | 3.1170% | 3,142 |
| Loan and lease loss provision to assets | 0.1084% | 5,245 |
| Net operating income to assets | 0.5214% | 4,337 |
| Return on assets (ROA) | 0.5214% | 4,546 |
| Pretax return on assets | 0.5106% | 4,960 |
| Return on Equity (ROE) | 3.9168% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.9168% | 3,423 |
| Net charge-offs to loans | 0.3013% | 3,895 |
| Credit loss provision to net charge-offs | 78.8104% | 4,508 |
| Earnings coverage of net charge-offs (x) | 4.5019% | 3,090 |
| Efficiency ratio | 83.4314% | 1,829 |
| Assets per employee ($millions) | 3.5380% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,655 |
| Loan loss allowance to noncurrent loans | 74.5504% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 5,114 |
| Noncurrent loans to loans | 1.1343% | 4,465 |
| Net loans and leases to total assets | 45.7909% | 6,029 |
| Net loans and leases to deposits | 52.8446% | 6,147 |
| Net loans and leases to core deposits | 54.0580% | 6,303 |
| Total domestic deposits to total assets | 86.6521% | 2,946 |
| Equity capital to assets | 12.5499% | 1,772 |
| Core capital (leverage) ratio | 13.0252% | 1,126 |
| Tier 1 risk-based capital ratio | 24.1307% | 956 |
| Total risk-based capital ratio | 24.8816% | 993 |
| Memoranda: | ||
| Average total assets | $195,637,000 | 3,106 |
| Average earning assets | $179,136,000 | 3,103 |
| Average equity | $26,041,600 | 2,478 |
| Average total loans | $89,282,000 | 3,875 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 4,704 |
| Cost of funding earning assets | 1.0069% | 3,630 |
| Net interest margin | 3.6343% | 4,641 |
| Noninterest income to average assets | 0.4011% | 4,661 |
| Noninterest expense to average assets | 3.2066% | 2,810 |
| Loan and lease loss provision to assets | 0.1128% | 5,014 |
| Net operating income to assets | 0.4206% | 4,902 |
| Return on assets (ROA) | 0.4206% | 5,092 |
| Pretax return on assets | 0.4094% | 5,441 |
| Return on Equity (ROE) | 3.1103% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.1103% | 4,469 |
| Net charge-offs to loans | 0.4394% | 2,970 |
| Credit loss provision to net charge-offs | 56.4460% | 4,886 |
| Earnings coverage of net charge-offs (x) | 2.6132% | 3,810 |
| Efficiency ratio | 85.9944% | 1,529 |
| Assets per employee ($millions) | 3.3107% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 6,701 |
| Loan loss allowance to noncurrent loans | 56.4959% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 4,888 |
| Noncurrent loans to loans | 1.5189% | 4,003 |
| Net loans and leases to total assets | 44.2612% | 6,310 |
| Net loans and leases to deposits | 51.4543% | 6,415 |
| Net loans and leases to core deposits | 52.7253% | 6,526 |
| Total domestic deposits to total assets | 86.0204% | 3,208 |
| Equity capital to assets | 13.2023% | 1,516 |
| Core capital (leverage) ratio | 13.3706% | 1,088 |
| Tier 1 risk-based capital ratio | 25.7702% | 856 |
| Total risk-based capital ratio | 26.5180% | 883 |
| Memoranda: | ||
| Average total assets | $191,476,250 | 3,182 |
| Average earning assets | $175,327,000 | 3,167 |
| Average equity | $25,891,750 | 2,494 |
| Average total loans | $87,094,000 | 3,965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 4,847 |
| Cost of funding earning assets | 1.0490% | 3,611 |
| Net interest margin | 3.5813% | 4,782 |
| Noninterest income to average assets | 0.4400% | 4,345 |
| Noninterest expense to average assets | 3.2831% | 2,625 |
| Loan and lease loss provision to assets | 0.0709% | 5,426 |
| Net operating income to assets | 0.3765% | 5,045 |
| Return on assets (ROA) | 0.3765% | 5,190 |
| Pretax return on assets | 0.3649% | 5,500 |
| Return on Equity (ROE) | 2.7618% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.7618% | 4,524 |
| Net charge-offs to loans | 0.3766% | 3,046 |
| Credit loss provision to net charge-offs | 41.1043% | 4,801 |
| Earnings coverage of net charge-offs (x) | 2.5276% | 3,564 |
| Efficiency ratio | 88.2821% | 1,389 |
| Assets per employee ($millions) | 3.0997% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 6,695 |
| Loan loss allowance to noncurrent loans | 50.5438% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 4,726 |
| Noncurrent loans to loans | 1.7539% | 3,817 |
| Net loans and leases to total assets | 45.9580% | 6,274 |
| Net loans and leases to deposits | 53.6311% | 6,337 |
| Net loans and leases to core deposits | 55.0041% | 6,491 |
| Total domestic deposits to total assets | 85.6929% | 3,497 |
| Equity capital to assets | 13.5167% | 1,281 |
| Core capital (leverage) ratio | 13.6256% | 964 |
| Tier 1 risk-based capital ratio | 26.0100% | 814 |
| Total risk-based capital ratio | 26.8010% | 833 |
| Memoranda: | ||
| Average total assets | $189,088,670 | 3,238 |
| Average earning assets | $173,123,330 | 3,221 |
| Average equity | $25,780,670 | 2,485 |
| Average total loans | $86,565,000 | 4,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 4,936 |
| Cost of funding earning assets | 1.0984% | 3,534 |
| Net interest margin | 3.5046% | 4,994 |
| Noninterest income to average assets | 0.5609% | 3,427 |
| Noninterest expense to average assets | 3.3785% | 2,335 |
| Loan and lease loss provision to assets | 0.1429% | 4,225 |
| Net operating income to assets | 0.2623% | 5,574 |
| Return on assets (ROA) | 0.2623% | 5,635 |
| Pretax return on assets | 0.2517% | 5,803 |
| Return on Equity (ROE) | 1.9157% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.9157% | 4,974 |
| Net charge-offs to loans | 0.6425% | 1,920 |
| Credit loss provision to net charge-offs | 48.9051% | 3,774 |
| Earnings coverage of net charge-offs (x) | 1.3504% | 3,670 |
| Efficiency ratio | 89.5421% | 1,372 |
| Assets per employee ($millions) | 3.2307% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,497 |
| Loan loss allowance to noncurrent loans | 53.6489% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 5,264 |
| Noncurrent loans to loans | 1.8013% | 3,827 |
| Net loans and leases to total assets | 43.8710% | 6,480 |
| Net loans and leases to deposits | 51.1622% | 6,536 |
| Net loans and leases to core deposits | 52.7607% | 6,640 |
| Total domestic deposits to total assets | 85.7488% | 3,668 |
| Equity capital to assets | 13.5062% | 1,183 |
| Core capital (leverage) ratio | 13.7766% | 897 |
| Tier 1 risk-based capital ratio | 26.6719% | 731 |
| Total risk-based capital ratio | 27.5173% | 747 |
| Memoranda: | ||
| Average total assets | $187,541,000 | 3,276 |
| Average earning assets | $171,887,000 | 3,273 |
| Average equity | $25,682,500 | 2,478 |
| Average total loans | $85,290,500 | 4,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 5,421 |
| Cost of funding earning assets | 1.2389% | 4,297 |
| Net interest margin | 3.5573% | 5,010 |
| Noninterest income to average assets | 0.2416% | 6,071 |
| Noninterest expense to average assets | 3.4040% | 2,428 |
| Loan and lease loss provision to assets | 0.1255% | 5,908 |
| Net operating income to assets | 0.1517% | 5,436 |
| Return on assets (ROA) | 0.2118% | 5,407 |
| Pretax return on assets | 0.0263% | 5,844 |
| Return on Equity (ROE) | 1.4316% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.2344% | 4,938 |
| Net charge-offs to loans | 0.1692% | 5,313 |
| Credit loss provision to net charge-offs | 150.3497% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.0979% | 5,014 |
| Efficiency ratio | 97.3790% | 895 |
| Assets per employee ($millions) | 3.0241% | 6,045 |
| Cash dividends to net income (ytd only)* | 13.7741% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 6,242 |
| Loan loss allowance to noncurrent loans | 79.1071% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 5,547 |
| Noncurrent loans to loans | 1.3002% | 4,542 |
| Net loans and leases to total assets | 46.2165% | 6,539 |
| Net loans and leases to deposits | 54.1428% | 6,600 |
| Net loans and leases to core deposits | 55.7170% | 6,705 |
| Total domestic deposits to total assets | 85.3605% | 3,688 |
| Equity capital to assets | 13.8888% | 1,069 |
| Core capital (leverage) ratio | 14.3110% | 785 |
| Tier 1 risk-based capital ratio | 26.5047% | 707 |
| Total risk-based capital ratio | 27.4212% | 726 |
| Memoranda: | ||
| Average total assets | $171,358,000 | 3,511 |
| Average earning assets | $156,747,800 | 3,510 |
| Average equity | $25,356,800 | 2,514 |
| Average total loans | $84,527,200 | 4,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 5,442 |
| Cost of funding earning assets | 1.2574% | 4,513 |
| Net interest margin | 3.6015% | 4,867 |
| Noninterest income to average assets | 0.2055% | 6,431 |
| Noninterest expense to average assets | 3.4800% | 2,081 |
| Loan and lease loss provision to assets | 0.1309% | 5,717 |
| Net operating income to assets | 0.1111% | 5,744 |
| Return on assets (ROA) | 0.1634% | 5,763 |
| Pretax return on assets | -0.0293% | 6,137 |
| Return on Equity (ROE) | 1.0860% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.8224% | 5,481 |
| Net charge-offs to loans | 0.2235% | 4,600 |
| Credit loss provision to net charge-offs | 117.0213% | 3,549 |
| Earnings coverage of net charge-offs (x) | 0.1773% | 5,838 |
| Efficiency ratio | 99.4334% | 761 |
| Assets per employee ($millions) | 2.9794% | 6,193 |
| Cash dividends to net income (ytd only)* | 24.2736% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,369 |
| Loan loss allowance to noncurrent loans | 70.0669% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 5,539 |
| Noncurrent loans to loans | 1.4349% | 4,464 |
| Net loans and leases to total assets | 46.9394% | 6,619 |
| Net loans and leases to deposits | 55.3835% | 6,657 |
| Net loans and leases to core deposits | 57.0828% | 6,786 |
| Total domestic deposits to total assets | 84.7534% | 3,747 |
| Equity capital to assets | 14.4860% | 1,023 |
| Core capital (leverage) ratio | 14.6418% | 785 |
| Tier 1 risk-based capital ratio | 27.8198% | 641 |
| Total risk-based capital ratio | 28.7353% | 653 |
| Memoranda: | ||
| Average total assets | $168,079,250 | 3,618 |
| Average earning assets | $153,747,500 | 3,628 |
| Average equity | $25,290,750 | 2,562 |
| Average total loans | $84,123,250 | 4,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 5,405 |
| Cost of funding earning assets | 1.2660% | 4,737 |
| Net interest margin | 3.6303% | 4,689 |
| Noninterest income to average assets | 0.1124% | 7,040 |
| Noninterest expense to average assets | 3.6650% | 1,638 |
| Loan and lease loss provision to assets | 0.1994% | 4,874 |
| Net operating income to assets | -0.1146% | 6,253 |
| Return on assets (ROA) | -0.0326% | 6,212 |
| Pretax return on assets | -0.3009% | 6,427 |
| Return on Equity (ROE) | -0.2140% | 6,207 |
| Retained earnings to average equity (ytd only) | -0.6103% | 5,878 |
| Net charge-offs to loans | 0.3271% | 3,689 |
| Credit loss provision to net charge-offs | 119.5652% | 3,402 |
| Earnings coverage of net charge-offs (x) | -1.3768% | 6,164 |
| Efficiency ratio | 106.6831% | 613 |
| Assets per employee ($millions) | 2.8847% | 6,386 |
| Cash dividends to net income (ytd only)* | -185.1852% | 7,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,350 |
| Loan loss allowance to noncurrent loans | 70.8509% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 5,779 |
| Noncurrent loans to loans | 1.4274% | 4,569 |
| Net loans and leases to total assets | 47.5601% | 6,655 |
| Net loans and leases to deposits | 56.1736% | 6,715 |
| Net loans and leases to core deposits | 57.8310% | 6,839 |
| Total domestic deposits to total assets | 84.6664% | 3,786 |
| Equity capital to assets | 14.5773% | 991 |
| Core capital (leverage) ratio | 14.9530% | 730 |
| Tier 1 risk-based capital ratio | 27.7145% | 649 |
| Total risk-based capital ratio | 28.6383% | 659 |
| Memoranda: | ||
| Average total assets | $165,511,000 | 3,681 |
| Average earning assets | $151,501,330 | 3,683 |
| Average equity | $25,233,000 | 2,567 |
| Average total loans | $84,381,000 | 4,310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 5,282 |
| Cost of funding earning assets | 1.2875% | 4,888 |
| Net interest margin | 3.6500% | 4,488 |
| Noninterest income to average assets | -0.1756% | 7,794 |
| Noninterest expense to average assets | 4.0217% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4127% | 6,770 |
| Return on assets (ROA) | -0.2449% | 6,665 |
| Pretax return on assets | -0.5763% | 6,834 |
| Return on Equity (ROE) | -1.5693% | 6,587 |
| Retained earnings to average equity (ytd only) | -2.3619% | 6,268 |
| Net charge-offs to loans | 0.0706% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -22.6000% | 5,582 |
| Efficiency ratio | 126.3403% | 376 |
| Assets per employee ($millions) | 2.6462% | 6,960 |
| Cash dividends to net income (ytd only)* | -50.5051% | 7,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,665 |
| Loan loss allowance to noncurrent loans | 64.3317% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,636 |
| Noncurrent loans to loans | 1.4778% | 4,524 |
| Net loans and leases to total assets | 50.7409% | 6,398 |
| Net loans and leases to deposits | 60.5081% | 6,417 |
| Net loans and leases to core deposits | 62.0579% | 6,598 |
| Total domestic deposits to total assets | 83.8580% | 4,212 |
| Equity capital to assets | 15.3350% | 803 |
| Core capital (leverage) ratio | 15.5498% | 651 |
| Tier 1 risk-based capital ratio | 29.0546% | 579 |
| Total risk-based capital ratio | 29.9774% | 579 |
| Memoranda: | ||
| Average total assets | $161,724,500 | 3,803 |
| Average earning assets | $148,820,000 | 3,781 |
| Average equity | $25,234,000 | 2,586 |
| Average total loans | $84,991,500 | 4,351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 4,082 |
| Cost of funding earning assets | 1.4920% | 5,542 |
| Net interest margin | 4.0202% | 2,781 |
| Noninterest income to average assets | 0.3484% | 5,603 |
| Noninterest expense to average assets | 3.7446% | 1,811 |
| Loan and lease loss provision to assets | 0.0452% | 7,110 |
| Net operating income to assets | 0.2698% | 4,645 |
| Return on assets (ROA) | 0.2755% | 4,716 |
| Pretax return on assets | 0.2813% | 4,813 |
| Return on Equity (ROE) | 1.7027% | 5,018 |
| Retained earnings to average equity (ytd only) | 1.7027% | 3,890 |
| Net charge-offs to loans | 0.0108% | 7,080 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 49.7000% | 518 |
| Efficiency ratio | 92.1124% | 1,559 |
| Assets per employee ($millions) | 2.5707% | 7,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,647 |
| Loan loss allowance to noncurrent loans | 64.8606% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 5,526 |
| Noncurrent loans to loans | 1.4604% | 4,482 |
| Net loans and leases to total assets | 53.4068% | 6,260 |
| Net loans and leases to deposits | 65.1639% | 6,146 |
| Net loans and leases to core deposits | 75.9159% | 6,404 |
| Total domestic deposits to total assets | 81.9576% | 4,964 |
| Equity capital to assets | 15.8791% | 717 |
| Core capital (leverage) ratio | 16.1027% | 604 |
| Tier 1 risk-based capital ratio | 29.2696% | 566 |
| Total risk-based capital ratio | 30.2111% | 567 |
| Memoranda: | ||
| Average total assets | $154,996,000 | 3,881 |
| Average earning assets | $143,301,000 | 3,831 |
| Average equity | $25,078,000 | 2,602 |
| Average total loans | $92,263,200 | 4,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6125% | 3,792 |
| Cost of funding earning assets | 1.5324% | 5,704 |
| Net interest margin | 4.0801% | 2,481 |
| Noninterest income to average assets | 0.3500% | 5,692 |
| Noninterest expense to average assets | 3.7192% | 1,773 |
| Loan and lease loss provision to assets | 0.0606% | 6,760 |
| Net operating income to assets | 0.2348% | 5,042 |
| Return on assets (ROA) | 0.2400% | 5,105 |
| Pretax return on assets | 0.3587% | 4,907 |
| Return on Equity (ROE) | 1.4761% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.4761% | 4,486 |
| Net charge-offs to loans | -0.0043% | 7,620 |
| Credit loss provision to net charge-offs | -2,333.3333% | 7,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0378% | 1,686 |
| Assets per employee ($millions) | 2.5639% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 6,744 |
| Loan loss allowance to noncurrent loans | 72.6714% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 5,642 |
| Noncurrent loans to loans | 1.2425% | 4,868 |
| Net loans and leases to total assets | 59.0011% | 5,740 |
| Net loans and leases to deposits | 72.5046% | 5,578 |
| Net loans and leases to core deposits | 84.6747% | 5,988 |
| Total domestic deposits to total assets | 81.3757% | 4,934 |
| Equity capital to assets | 16.3550% | 729 |
| Core capital (leverage) ratio | 16.3586% | 627 |
| Tier 1 risk-based capital ratio | 28.5563% | 644 |
| Total risk-based capital ratio | 29.4951% | 655 |
| Memoranda: | ||
| Average total assets | $153,898,500 | 3,914 |
| Average earning assets | $142,606,500 | 3,878 |
| Average equity | $25,020,250 | 2,638 |
| Average total loans | $93,844,750 | 4,148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6945% | 3,571 |
| Cost of funding earning assets | 1.5769% | 5,818 |
| Net interest margin | 4.1176% | 2,263 |
| Noninterest income to average assets | 0.3482% | 5,717 |
| Noninterest expense to average assets | 3.7942% | 1,666 |
| Loan and lease loss provision to assets | 0.0390% | 6,847 |
| Net operating income to assets | 0.2171% | 5,198 |
| Return on assets (ROA) | 0.2248% | 5,263 |
| Pretax return on assets | 0.3404% | 5,099 |
| Return on Equity (ROE) | 1.3854% | 5,504 |
| Retained earnings to average equity (ytd only) | 1.3854% | 4,568 |
| Net charge-offs to loans | 0.0021% | 6,600 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 135 |
| Efficiency ratio | 91.1645% | 1,716 |
| Assets per employee ($millions) | 2.4267% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 7,019 |
| Loan loss allowance to noncurrent loans | 79.0111% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 5,777 |
| Noncurrent loans to loans | 1.0631% | 5,085 |
| Net loans and leases to total assets | 60.4621% | 5,605 |
| Net loans and leases to deposits | 74.4010% | 5,392 |
| Net loans and leases to core deposits | 86.4533% | 5,855 |
| Total domestic deposits to total assets | 81.2652% | 4,971 |
| Equity capital to assets | 16.3886% | 774 |
| Core capital (leverage) ratio | 16.3845% | 693 |
| Tier 1 risk-based capital ratio | 28.3046% | 696 |
| Total risk-based capital ratio | 29.1893% | 703 |
| Memoranda: | ||
| Average total assets | $153,921,000 | 3,937 |
| Average earning assets | $142,558,000 | 3,889 |
| Average equity | $24,974,000 | 2,641 |
| Average total loans | $94,596,670 | 4,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 3,425 |
| Cost of funding earning assets | 1.6451% | 5,836 |
| Net interest margin | 4.1268% | 2,182 |
| Noninterest income to average assets | 0.3263% | 5,844 |
| Noninterest expense to average assets | 3.7063% | 1,643 |
| Loan and lease loss provision to assets | 0.0777% | 5,985 |
| Net operating income to assets | 0.2307% | 5,559 |
| Return on assets (ROA) | 0.2460% | 5,666 |
| Pretax return on assets | 0.3730% | 5,472 |
| Return on Equity (ROE) | 1.5241% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.5241% | 4,995 |
| Net charge-offs to loans | 0.0042% | 5,659 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 261 |
| Efficiency ratio | 89.6617% | 1,747 |
| Assets per employee ($millions) | 2.4668% | 7,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 7,047 |
| Loan loss allowance to noncurrent loans | 82.1616% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 5,626 |
| Noncurrent loans to loans | 1.0092% | 4,983 |
| Net loans and leases to total assets | 61.2311% | 5,461 |
| Net loans and leases to deposits | 75.1981% | 5,317 |
| Net loans and leases to core deposits | 88.8838% | 5,660 |
| Total domestic deposits to total assets | 81.4263% | 4,778 |
| Equity capital to assets | 16.3310% | 820 |
| Core capital (leverage) ratio | 16.1782% | 756 |
| Tier 1 risk-based capital ratio | 28.1844% | 741 |
| Total risk-based capital ratio | 29.0680% | 748 |
| Memoranda: | ||
| Average total assets | $154,441,000 | 3,934 |
| Average earning assets | $142,482,000 | 3,906 |
| Average equity | $24,933,500 | 2,655 |
| Average total loans | $95,286,000 | 4,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9712% | 5,696 |
| Cost of funding earning assets | 1.9500% | 6,567 |
| Net interest margin | 4.0212% | 3,021 |
| Noninterest income to average assets | 0.3568% | 5,872 |
| Noninterest expense to average assets | 3.7067% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2886% | 5,581 |
| Return on assets (ROA) | 0.2886% | 5,390 |
| Pretax return on assets | 0.4309% | 5,179 |
| Return on Equity (ROE) | 1.7700% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.5671% | 4,278 |
| Net charge-offs to loans | -0.0089% | 7,840 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5857% | 1,547 |
| Assets per employee ($millions) | 2.5990% | 7,006 |
| Cash dividends to net income (ytd only)* | 11.4679% | 4,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 7,164 |
| Loan loss allowance to noncurrent loans | 79.7040% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 5,378 |
| Noncurrent loans to loans | 0.9840% | 4,627 |
| Net loans and leases to total assets | 61.1690% | 5,744 |
| Net loans and leases to deposits | 76.2516% | 5,558 |
| Net loans and leases to core deposits | 89.6772% | 5,832 |
| Total domestic deposits to total assets | 80.2200% | 4,938 |
| Equity capital to assets | 15.9613% | 941 |
| Core capital (leverage) ratio | 16.3841% | 772 |
| Tier 1 risk-based capital ratio | 28.0525% | 758 |
| Total risk-based capital ratio | 28.9026% | 762 |
| Memoranda: | ||
| Average total assets | $151,078,800 | 3,878 |
| Average earning assets | $142,048,600 | 3,806 |
| Average equity | $24,632,200 | 2,677 |
| Average total loans | $89,541,000 | 4,243 |