Home > Unison Bank > Performance and Condition Ratios
Unison Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 1,723 |
| Cost of funding earning assets | 1.6210% | 1,635 |
| Net interest margin | 3.5484% | 2,072 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.1099% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0682% | 2,016 |
| Return on assets (ROA) | 1.0808% | 1,946 |
| Pretax return on assets | 1.3527% | 1,735 |
| Return on Equity (ROE) | 17.9400% | 824 |
| Retained earnings to average equity (ytd only) | 16.7627% | 229 |
| Net charge-offs to loans | 0.0023% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 836.8889% | 175 |
| Efficiency ratio | 60.7910% | 2,990 |
| Assets per employee ($millions) | 7.8259% | 1,524 |
| Cash dividends to net income (ytd only)* | 6.5692% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 596 |
| Loan loss allowance to noncurrent loans | 349.6489% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 1,597 |
| Noncurrent loans to loans | 0.5001% | 1,537 |
| Net loans and leases to total assets | 66.7500% | 2,175 |
| Net loans and leases to deposits | 79.2293% | 2,170 |
| Net loans and leases to core deposits | 93.6424% | 1,795 |
| Total domestic deposits to total assets | 84.2500% | 2,549 |
| Equity capital to assets | 6.4114% | 4,148 |
| Core capital (leverage) ratio | 8.3056% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4356% | 2,437 |
| Memoranda: | ||
| Average total assets | $563,383,000 | 1,573 |
| Average earning assets | $521,082,200 | 1,573 |
| Average equity | $33,938,400 | 2,096 |
| Average total loans | $392,056,600 | 1,495 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 1,706 |
| Cost of funding earning assets | 1.4029% | 1,859 |
| Net interest margin | 3.6593% | 1,865 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.1398% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1239% | 1,979 |
| Return on assets (ROA) | 1.1346% | 1,933 |
| Pretax return on assets | 1.4029% | 1,772 |
| Return on Equity (ROE) | 19.1600% | 804 |
| Retained earnings to average equity (ytd only) | 19.1583% | 292 |
| Net charge-offs to loans | 0.0031% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 645.6667% | 243 |
| Efficiency ratio | 60.2114% | 2,940 |
| Assets per employee ($millions) | 7.2574% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 619 |
| Loan loss allowance to noncurrent loans | 349.6489% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 1,653 |
| Noncurrent loans to loans | 0.5026% | 1,558 |
| Net loans and leases to total assets | 67.1400% | 2,143 |
| Net loans and leases to deposits | 78.7804% | 2,167 |
| Net loans and leases to core deposits | 92.4646% | 1,767 |
| Total domestic deposits to total assets | 85.2200% | 2,435 |
| Equity capital to assets | 5.5915% | 4,112 |
| Core capital (leverage) ratio | 8.7551% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6522% | 2,407 |
| Memoranda: | ||
| Average total assets | $557,493,000 | 1,589 |
| Average earning assets | $516,146,000 | 1,583 |
| Average equity | $33,015,250 | 2,126 |
| Average total loans | $390,385,500 | 1,496 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 1,560 |
| Cost of funding earning assets | 1.1638% | 2,094 |
| Net interest margin | 3.8396% | 1,544 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.1514% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2310% | 1,746 |
| Return on assets (ROA) | 1.2427% | 1,710 |
| Pretax return on assets | 1.5580% | 1,483 |
| Return on Equity (ROE) | 20.5800% | 650 |
| Retained earnings to average equity (ytd only) | 20.5789% | 231 |
| Net charge-offs to loans | 0.0021% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,060.7500% | 136 |
| Efficiency ratio | 57.8222% | 3,210 |
| Assets per employee ($millions) | 6.9308% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 641 |
| Loan loss allowance to noncurrent loans | 1,927.3481% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,109 |
| Noncurrent loans to loans | 0.0924% | 3,040 |
| Net loans and leases to total assets | 70.2500% | 1,712 |
| Net loans and leases to deposits | 83.5799% | 1,708 |
| Net loans and leases to core deposits | 93.9048% | 1,572 |
| Total domestic deposits to total assets | 84.0500% | 2,804 |
| Equity capital to assets | 6.1836% | 4,103 |
| Core capital (leverage) ratio | 8.7432% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4847% | 2,470 |
| Memoranda: | ||
| Average total assets | $549,792,667 | 1,607 |
| Average earning assets | $509,006,000 | 1,603 |
| Average equity | $33,199,000 | 2,135 |
| Average total loans | $388,259,000 | 1,485 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 1,451 |
| Cost of funding earning assets | 0.9644% | 2,170 |
| Net interest margin | 3.9150% | 1,449 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.2137% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2424% | 1,815 |
| Return on assets (ROA) | 1.2583% | 1,750 |
| Pretax return on assets | 1.5625% | 1,549 |
| Return on Equity (ROE) | 21.0900% | 653 |
| Retained earnings to average equity (ytd only) | 21.0891% | 316 |
| Net charge-offs to loans | 0.0041% | 1,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 531.2500% | 216 |
| Efficiency ratio | 58.5427% | 3,127 |
| Assets per employee ($millions) | 7.0172% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 652 |
| Loan loss allowance to noncurrent loans | 2,546.3504% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,288 |
| Noncurrent loans to loans | 0.0711% | 3,224 |
| Net loans and leases to total assets | 69.1300% | 1,715 |
| Net loans and leases to deposits | 79.5000% | 1,853 |
| Net loans and leases to core deposits | 88.3463% | 1,721 |
| Total domestic deposits to total assets | 86.9600% | 2,280 |
| Equity capital to assets | 6.0518% | 4,182 |
| Core capital (leverage) ratio | 8.3100% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2918% | 2,638 |
| Memoranda: | ||
| Average total assets | $550,923,500 | 1,622 |
| Average earning assets | $508,910,500 | 1,627 |
| Average equity | $32,870,000 | 2,169 |
| Average total loans | $386,576,000 | 1,509 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 943 |
| Cost of funding earning assets | 0.4721% | 1,573 |
| Net interest margin | 3.8941% | 964 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.0348% | 3,486 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.2805% | 1,500 |
| Return on assets (ROA) | 1.1316% | 1,990 |
| Pretax return on assets | 1.3990% | 1,771 |
| Return on Equity (ROE) | 15.7400% | 1,096 |
| Retained earnings to average equity (ytd only) | 6.6990% | 2,368 |
| Net charge-offs to loans | -0.0009% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.3608% | 3,846 |
| Assets per employee ($millions) | 7.5959% | 1,551 |
| Cash dividends to net income (ytd only)* | 57.4335% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 1,459 |
| Loan loss allowance to noncurrent loans | 1,864.2857% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,266 |
| Noncurrent loans to loans | 0.0758% | 3,218 |
| Net loans and leases to total assets | 68.9500% | 1,737 |
| Net loans and leases to deposits | 77.6858% | 1,978 |
| Net loans and leases to core deposits | 90.1695% | 1,492 |
| Total domestic deposits to total assets | 88.7500% | 1,796 |
| Equity capital to assets | 5.8820% | 4,137 |
| Core capital (leverage) ratio | 8.1706% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1486% | 2,687 |
| Memoranda: | ||
| Average total assets | $538,517,600 | 1,636 |
| Average earning assets | $497,109,400 | 1,636 |
| Average equity | $38,722,200 | 1,965 |
| Average total loans | $351,852,600 | 1,539 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 812 |
| Cost of funding earning assets | 0.3758% | 1,473 |
| Net interest margin | 3.8706% | 844 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0594% | 3,321 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2266% | 1,603 |
| Return on assets (ROA) | 1.2205% | 1,601 |
| Pretax return on assets | 1.5148% | 1,377 |
| Return on Equity (ROE) | 16.2100% | 937 |
| Retained earnings to average equity (ytd only) | 16.2088% | 265 |
| Net charge-offs to loans | -0.0012% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7831% | 3,746 |
| Assets per employee ($millions) | 6.8690% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,629 |
| Loan loss allowance to noncurrent loans | 443.1993% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 2,185 |
| Noncurrent loans to loans | 0.3144% | 2,120 |
| Net loans and leases to total assets | 66.7200% | 1,812 |
| Net loans and leases to deposits | 75.1898% | 1,949 |
| Net loans and leases to core deposits | 86.9443% | 1,470 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 6.0628% | 3,943 |
| Core capital (leverage) ratio | 8.6905% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8780% | 2,523 |
| Memoranda: | ||
| Average total assets | $534,521,250 | 1,662 |
| Average earning assets | $493,894,000 | 1,656 |
| Average equity | $40,248,750 | 1,939 |
| Average total loans | $342,869,000 | 1,560 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 760 |
| Cost of funding earning assets | 0.2829% | 1,869 |
| Net interest margin | 3.8213% | 719 |
| Noninterest income to average assets | 0.1499% | 4,261 |
| Noninterest expense to average assets | 2.0804% | 3,205 |
| Loan and lease loss provision to assets | 0.1133% | 887 |
| Net operating income to assets | 1.1896% | 1,460 |
| Return on assets (ROA) | 1.1799% | 1,474 |
| Pretax return on assets | 1.4692% | 1,250 |
| Return on Equity (ROE) | 14.6806% | 963 |
| Retained earnings to average equity (ytd only) | 14.6806% | 291 |
| Net charge-offs to loans | -0.0012% | 3,060 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1871% | 3,753 |
| Assets per employee ($millions) | 6.8561% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,899 |
| Loan loss allowance to noncurrent loans | 1,190.2439% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,211 |
| Noncurrent loans to loans | 0.1148% | 3,166 |
| Net loans and leases to total assets | 65.8936% | 1,705 |
| Net loans and leases to deposits | 80.5582% | 1,343 |
| Net loans and leases to core deposits | 86.9249% | 1,271 |
| Total domestic deposits to total assets | 81.7963% | 4,034 |
| Equity capital to assets | 6.5304% | 4,007 |
| Core capital (leverage) ratio | 8.6802% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6881% | 2,615 |
| Memoranda: | ||
| Average total assets | $529,522,000 | 1,680 |
| Average earning assets | $488,477,000 | 1,680 |
| Average equity | $42,559,667 | 1,910 |
| Average total loans | $333,221,000 | 1,589 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 916 |
| Cost of funding earning assets | 0.2774% | 1,850 |
| Net interest margin | 3.6289% | 852 |
| Noninterest income to average assets | 0.1571% | 4,214 |
| Noninterest expense to average assets | 2.2236% | 2,763 |
| Loan and lease loss provision to assets | 0.1139% | 733 |
| Net operating income to assets | 0.9470% | 2,085 |
| Return on assets (ROA) | 0.9383% | 2,107 |
| Pretax return on assets | 1.1456% | 1,999 |
| Return on Equity (ROE) | 10.6602% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.6602% | 858 |
| Net charge-offs to loans | -0.0012% | 3,040 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1899% | 3,116 |
| Assets per employee ($millions) | 7.0782% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,727 |
| Loan loss allowance to noncurrent loans | 472,900.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,138 |
| Noncurrent loans to loans | 0.0003% | 4,064 |
| Net loans and leases to total assets | 59.0965% | 2,180 |
| Net loans and leases to deposits | 68.4156% | 2,104 |
| Net loans and leases to core deposits | 73.6120% | 1,967 |
| Total domestic deposits to total assets | 86.3786% | 3,141 |
| Equity capital to assets | 7.8588% | 3,675 |
| Core capital (leverage) ratio | 8.5909% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4808% | 2,417 |
| Memoranda: | ||
| Average total assets | $526,894,500 | 1,693 |
| Average earning assets | $484,445,500 | 1,698 |
| Average equity | $46,378,000 | 1,844 |
| Average total loans | $321,199,500 | 1,616 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 808 |
| Cost of funding earning assets | 0.3725% | 1,736 |
| Net interest margin | 3.9582% | 774 |
| Noninterest income to average assets | 0.4204% | 2,943 |
| Noninterest expense to average assets | 2.1884% | 3,123 |
| Loan and lease loss provision to assets | 0.0642% | 1,786 |
| Net operating income to assets | 1.4559% | 1,120 |
| Return on assets (ROA) | 1.4696% | 1,141 |
| Pretax return on assets | 1.8495% | 813 |
| Return on Equity (ROE) | 14.8992% | 974 |
| Retained earnings to average equity (ytd only) | 9.1512% | 1,153 |
| Net charge-offs to loans | -0.0020% | 3,357 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3808% | 3,995 |
| Assets per employee ($millions) | 7.2681% | 1,753 |
| Cash dividends to net income (ytd only)* | 38.5791% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,729 |
| Loan loss allowance to noncurrent loans | 114,450.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,205 |
| Noncurrent loans to loans | 0.0013% | 4,126 |
| Net loans and leases to total assets | 61.1288% | 2,048 |
| Net loans and leases to deposits | 72.6415% | 1,849 |
| Net loans and leases to core deposits | 79.4138% | 1,645 |
| Total domestic deposits to total assets | 84.1514% | 3,520 |
| Equity capital to assets | 9.8127% | 2,834 |
| Core capital (leverage) ratio | 8.6566% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8758% | 2,286 |
| Memoranda: | ||
| Average total assets | $467,414,600 | 1,780 |
| Average earning assets | $432,717,200 | 1,793 |
| Average equity | $46,103,200 | 1,892 |
| Average total loans | $303,683,600 | 1,696 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 859 |
| Cost of funding earning assets | 0.3886% | 1,790 |
| Net interest margin | 3.9816% | 821 |
| Noninterest income to average assets | 0.1765% | 4,321 |
| Noninterest expense to average assets | 2.1653% | 3,186 |
| Loan and lease loss provision to assets | 0.0656% | 1,684 |
| Net operating income to assets | 1.3092% | 1,801 |
| Return on assets (ROA) | 1.3243% | 1,806 |
| Pretax return on assets | 1.6531% | 1,545 |
| Return on Equity (ROE) | 13.4074% | 1,573 |
| Retained earnings to average equity (ytd only) | 13.4074% | 581 |
| Net charge-offs to loans | -0.0013% | 3,161 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9925% | 3,532 |
| Assets per employee ($millions) | 7.5401% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,893 |
| Loan loss allowance to noncurrent loans | 112,500.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,294 |
| Noncurrent loans to loans | 0.0013% | 4,222 |
| Net loans and leases to total assets | 61.4036% | 2,091 |
| Net loans and leases to deposits | 74.6473% | 1,795 |
| Net loans and leases to core deposits | 80.1019% | 1,718 |
| Total domestic deposits to total assets | 82.2584% | 3,875 |
| Equity capital to assets | 10.1201% | 2,787 |
| Core capital (leverage) ratio | 8.9132% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1454% | 2,310 |
| Memoranda: | ||
| Average total assets | $457,075,750 | 1,842 |
| Average earning assets | $423,440,750 | 1,842 |
| Average equity | $45,148,000 | 1,939 |
| Average total loans | $300,708,750 | 1,735 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 704 |
| Cost of funding earning assets | 0.4134% | 1,774 |
| Net interest margin | 4.1064% | 685 |
| Noninterest income to average assets | 0.1701% | 4,355 |
| Noninterest expense to average assets | 2.2098% | 3,061 |
| Loan and lease loss provision to assets | 0.0680% | 1,692 |
| Net operating income to assets | 1.3463% | 1,721 |
| Return on assets (ROA) | 1.3641% | 1,742 |
| Pretax return on assets | 1.7119% | 1,453 |
| Return on Equity (ROE) | 13.9402% | 1,429 |
| Retained earnings to average equity (ytd only) | 13.9402% | 554 |
| Net charge-offs to loans | -0.0014% | 3,124 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6978% | 3,582 |
| Assets per employee ($millions) | 7.8991% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 1,679 |
| Loan loss allowance to noncurrent loans | 110,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,345 |
| Noncurrent loans to loans | 0.0013% | 4,271 |
| Net loans and leases to total assets | 58.5504% | 2,598 |
| Net loans and leases to deposits | 71.0256% | 2,300 |
| Net loans and leases to core deposits | 77.5158% | 2,094 |
| Total domestic deposits to total assets | 82.4357% | 3,835 |
| Equity capital to assets | 9.7782% | 3,074 |
| Core capital (leverage) ratio | 8.4444% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2285% | 2,278 |
| Memoranda: | ||
| Average total assets | $441,039,333 | 1,875 |
| Average earning assets | $407,850,000 | 1,887 |
| Average equity | $43,155,667 | 1,985 |
| Average total loans | $296,044,333 | 1,763 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 448 |
| Cost of funding earning assets | 0.4369% | 1,825 |
| Net interest margin | 4.4132% | 415 |
| Noninterest income to average assets | 0.1683% | 4,357 |
| Noninterest expense to average assets | 2.1322% | 3,321 |
| Loan and lease loss provision to assets | 0.0734% | 1,711 |
| Net operating income to assets | 1.6348% | 1,051 |
| Return on assets (ROA) | 1.6742% | 1,030 |
| Pretax return on assets | 2.1341% | 761 |
| Return on Equity (ROE) | 17.1027% | 834 |
| Retained earnings to average equity (ytd only) | 17.1027% | 419 |
| Net charge-offs to loans | -0.0014% | 3,070 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7035% | 4,213 |
| Assets per employee ($millions) | 7.2846% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,662 |
| Loan loss allowance to noncurrent loans | 1,018.2670% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 3,668 |
| Noncurrent loans to loans | 0.1457% | 3,594 |
| Net loans and leases to total assets | 69.5103% | 1,355 |
| Net loans and leases to deposits | 84.0303% | 1,139 |
| Net loans and leases to core deposits | 92.7646% | 1,057 |
| Total domestic deposits to total assets | 82.7205% | 3,757 |
| Equity capital to assets | 9.6271% | 3,071 |
| Core capital (leverage) ratio | 9.1795% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0675% | 2,264 |
| Memoranda: | ||
| Average total assets | $408,788,000 | 1,962 |
| Average earning assets | $381,764,500 | 1,967 |
| Average equity | $40,017,000 | 2,087 |
| Average total loans | $293,856,000 | 1,775 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 668 |
| Cost of funding earning assets | 0.7716% | 1,337 |
| Net interest margin | 4.0794% | 825 |
| Noninterest income to average assets | 0.2085% | 4,230 |
| Noninterest expense to average assets | 2.1256% | 3,882 |
| Loan and lease loss provision to assets | 0.0536% | 3,700 |
| Net operating income to assets | 1.4577% | 906 |
| Return on assets (ROA) | 1.4766% | 935 |
| Pretax return on assets | 1.8499% | 612 |
| Return on Equity (ROE) | 14.2182% | 760 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,084 |
| Net charge-offs to loans | 0.0064% | 3,116 |
| Credit loss provision to net charge-offs | 1,176.4706% | 691 |
| Earnings coverage of net charge-offs (x) | 412.6471% | 272 |
| Efficiency ratio | 53.0675% | 4,303 |
| Assets per employee ($millions) | 7.0588% | 1,542 |
| Cash dividends to net income (ytd only)* | 44.4646% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,780 |
| Loan loss allowance to noncurrent loans | 993.4884% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 3,761 |
| Noncurrent loans to loans | 0.1459% | 3,701 |
| Net loans and leases to total assets | 72.1927% | 1,267 |
| Net loans and leases to deposits | 92.1477% | 768 |
| Net loans and leases to core deposits | 103.4799% | 750 |
| Total domestic deposits to total assets | 78.3445% | 4,281 |
| Equity capital to assets | 9.9565% | 3,168 |
| Core capital (leverage) ratio | 9.1051% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5407% | 2,428 |
| Memoranda: | ||
| Average total assets | $373,165,000 | 1,946 |
| Average earning assets | $347,327,200 | 1,948 |
| Average equity | $38,753,200 | 2,069 |
| Average total loans | $266,060,600 | 1,848 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 648 |
| Cost of funding earning assets | 0.8498% | 1,259 |
| Net interest margin | 4.1125% | 878 |
| Noninterest income to average assets | 0.2048% | 4,245 |
| Noninterest expense to average assets | 2.1388% | 3,854 |
| Loan and lease loss provision to assets | 0.0511% | 3,712 |
| Net operating income to assets | 1.4680% | 967 |
| Return on assets (ROA) | 1.4814% | 1,024 |
| Pretax return on assets | 1.8604% | 696 |
| Return on Equity (ROE) | 14.1045% | 863 |
| Retained earnings to average equity (ytd only) | 14.1045% | 248 |
| Net charge-offs to loans | 0.0093% | 2,776 |
| Credit loss provision to net charge-offs | 777.7778% | 1,000 |
| Earnings coverage of net charge-offs (x) | 288.8333% | 372 |
| Efficiency ratio | 53.0267% | 4,248 |
| Assets per employee ($millions) | 7.2125% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 70.7563% | 1,848 |
| Net loans and leases to deposits | 85.7057% | 1,740 |
| Net loans and leases to core deposits | 98.5746% | 1,273 |
| Total domestic deposits to total assets | 82.5573% | 3,264 |
| Equity capital to assets | 10.5095% | 2,784 |
| Core capital (leverage) ratio | 9.5433% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6559% | 1,951 |
| Memoranda: | ||
| Average total assets | $365,868,500 | 1,956 |
| Average earning assets | $340,613,000 | 1,956 |
| Average equity | $38,426,500 | 2,075 |
| Average total loans | $258,890,750 | 1,867 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 671 |
| Cost of funding earning assets | 0.9276% | 1,246 |
| Net interest margin | 4.1898% | 947 |
| Noninterest income to average assets | 0.2128% | 4,215 |
| Noninterest expense to average assets | 2.1609% | 3,899 |
| Loan and lease loss provision to assets | 0.0559% | 3,602 |
| Net operating income to assets | 1.5139% | 902 |
| Return on assets (ROA) | 1.5335% | 949 |
| Pretax return on assets | 1.9168% | 656 |
| Return on Equity (ROE) | 14.6044% | 771 |
| Retained earnings to average equity (ytd only) | 14.6044% | 242 |
| Net charge-offs to loans | -0.0016% | 3,792 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5901% | 4,317 |
| Assets per employee ($millions) | 6.5474% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,241 |
| Loan loss allowance to noncurrent loans | 307.9353% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 2,871 |
| Noncurrent loans to loans | 0.4891% | 2,685 |
| Net loans and leases to total assets | 70.9507% | 1,881 |
| Net loans and leases to deposits | 85.6238% | 1,811 |
| Net loans and leases to core deposits | 99.7670% | 1,273 |
| Total domestic deposits to total assets | 82.8632% | 3,123 |
| Equity capital to assets | 10.2563% | 2,959 |
| Core capital (leverage) ratio | 9.3819% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0939% | 2,139 |
| Memoranda: | ||
| Average total assets | $357,999,667 | 1,967 |
| Average earning assets | $332,905,667 | 1,969 |
| Average equity | $37,591,333 | 2,097 |
| Average total loans | $251,924,667 | 1,889 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 945 |
| Cost of funding earning assets | 1.0518% | 1,210 |
| Net interest margin | 3.9591% | 1,498 |
| Noninterest income to average assets | 0.2455% | 4,085 |
| Noninterest expense to average assets | 2.2952% | 3,782 |
| Loan and lease loss provision to assets | 0.0233% | 3,516 |
| Net operating income to assets | 1.2843% | 1,283 |
| Return on assets (ROA) | 1.2843% | 1,377 |
| Pretax return on assets | 1.6007% | 1,051 |
| Return on Equity (ROE) | 12.0732% | 1,084 |
| Retained earnings to average equity (ytd only) | 12.0732% | 420 |
| Net charge-offs to loans | -0.0017% | 3,632 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5634% | 3,932 |
| Assets per employee ($millions) | 6.0490% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 825 |
| Loan loss allowance to noncurrent loans | 1,226.8657% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,141 |
| Noncurrent loans to loans | 0.1410% | 3,960 |
| Net loans and leases to total assets | 66.5694% | 2,753 |
| Net loans and leases to deposits | 81.1058% | 2,571 |
| Net loans and leases to core deposits | 94.9793% | 1,882 |
| Total domestic deposits to total assets | 82.0772% | 3,399 |
| Equity capital to assets | 10.4725% | 3,350 |
| Core capital (leverage) ratio | 9.8011% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0250% | 2,275 |
| Memoranda: | ||
| Average total assets | $343,850,500 | 1,983 |
| Average earning assets | $319,059,500 | 1,980 |
| Average equity | $36,577,000 | 2,128 |
| Average total loans | $238,751,000 | 1,935 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 811 |
| Cost of funding earning assets | 1.0332% | 1,586 |
| Net interest margin | 4.2729% | 1,160 |
| Noninterest income to average assets | 0.2242% | 4,323 |
| Noninterest expense to average assets | 2.3034% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4787% | 1,106 |
| Return on assets (ROA) | 1.4787% | 1,160 |
| Pretax return on assets | 1.8572% | 823 |
| Return on Equity (ROE) | 13.0780% | 1,144 |
| Retained earnings to average equity (ytd only) | 5.6664% | 2,046 |
| Net charge-offs to loans | -0.0046% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3242% | 4,291 |
| Assets per employee ($millions) | 6.4780% | 1,302 |
| Cash dividends to net income (ytd only)* | 56.6724% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 787 |
| Loan loss allowance to noncurrent loans | 29,207.1429% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,665 |
| Noncurrent loans to loans | 0.0058% | 4,578 |
| Net loans and leases to total assets | 69.9847% | 2,395 |
| Net loans and leases to deposits | 83.4814% | 2,390 |
| Net loans and leases to core deposits | 96.8849% | 1,823 |
| Total domestic deposits to total assets | 83.8327% | 2,897 |
| Equity capital to assets | 10.8093% | 3,172 |
| Core capital (leverage) ratio | 10.0479% | 3,460 |
| Tier 1 risk-based capital ratio | 12.6413% | 3,983 |
| Total risk-based capital ratio | 13.9060% | 3,858 |
| Memoranda: | ||
| Average total assets | $316,229,400 | 2,060 |
| Average earning assets | $291,326,600 | 2,082 |
| Average equity | $35,754,800 | 2,107 |
| Average total loans | $236,974,600 | 1,906 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3159% | 835 |
| Cost of funding earning assets | 1.0247% | 1,661 |
| Net interest margin | 4.2912% | 1,181 |
| Noninterest income to average assets | 0.2297% | 4,360 |
| Noninterest expense to average assets | 2.3235% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4804% | 1,243 |
| Return on assets (ROA) | 1.4804% | 1,305 |
| Pretax return on assets | 1.8550% | 969 |
| Return on Equity (ROE) | 12.9395% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.9395% | 286 |
| Net charge-offs to loans | -0.0068% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5544% | 4,209 |
| Assets per employee ($millions) | 6.2891% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 852 |
| Loan loss allowance to noncurrent loans | 5,527.0270% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,629 |
| Noncurrent loans to loans | 0.0304% | 4,531 |
| Net loans and leases to total assets | 74.6082% | 1,700 |
| Net loans and leases to deposits | 90.5158% | 1,631 |
| Net loans and leases to core deposits | 106.2908% | 1,163 |
| Total domestic deposits to total assets | 82.4256% | 3,345 |
| Equity capital to assets | 11.8028% | 2,416 |
| Core capital (leverage) ratio | 10.6973% | 2,936 |
| Tier 1 risk-based capital ratio | 12.9693% | 3,864 |
| Total risk-based capital ratio | 14.2333% | 3,759 |
| Memoranda: | ||
| Average total assets | $311,072,250 | 2,106 |
| Average earning assets | $286,254,250 | 2,123 |
| Average equity | $35,590,500 | 2,127 |
| Average total loans | $236,258,750 | 1,924 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 819 |
| Cost of funding earning assets | 0.9921% | 1,734 |
| Net interest margin | 4.3053% | 1,132 |
| Noninterest income to average assets | 0.2306% | 4,374 |
| Noninterest expense to average assets | 2.4161% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4195% | 1,380 |
| Return on assets (ROA) | 1.4195% | 1,433 |
| Pretax return on assets | 1.7730% | 1,104 |
| Return on Equity (ROE) | 12.5449% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.5449% | 346 |
| Net charge-offs to loans | -0.0086% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5993% | 4,058 |
| Assets per employee ($millions) | 5.6129% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 834 |
| Loan loss allowance to noncurrent loans | 622.2222% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,742 |
| Noncurrent loans to loans | 0.2719% | 3,557 |
| Net loans and leases to total assets | 75.5603% | 1,616 |
| Net loans and leases to deposits | 91.1880% | 1,601 |
| Net loans and leases to core deposits | 107.6867% | 1,124 |
| Total domestic deposits to total assets | 82.8621% | 3,253 |
| Equity capital to assets | 11.5929% | 2,529 |
| Core capital (leverage) ratio | 10.6865% | 2,902 |
| Tier 1 risk-based capital ratio | 12.8249% | 3,930 |
| Total risk-based capital ratio | 14.0887% | 3,828 |
| Memoranda: | ||
| Average total assets | $307,848,000 | 2,133 |
| Average earning assets | $283,043,330 | 2,147 |
| Average equity | $34,835,000 | 2,146 |
| Average total loans | $233,881,000 | 1,950 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 769 |
| Cost of funding earning assets | 0.9695% | 1,700 |
| Net interest margin | 4.3219% | 1,058 |
| Noninterest income to average assets | 0.2534% | 4,197 |
| Noninterest expense to average assets | 2.3125% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5219% | 1,066 |
| Return on assets (ROA) | 1.5219% | 1,090 |
| Pretax return on assets | 1.9041% | 792 |
| Return on Equity (ROE) | 13.6221% | 1,051 |
| Retained earnings to average equity (ytd only) | 13.6221% | 386 |
| Net charge-offs to loans | -0.0017% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6870% | 4,471 |
| Assets per employee ($millions) | 5.4557% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 741 |
| Loan loss allowance to noncurrent loans | 31,376.9231% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,864 |
| Noncurrent loans to loans | 0.0057% | 4,777 |
| Net loans and leases to total assets | 73.9715% | 1,814 |
| Net loans and leases to deposits | 89.3558% | 1,706 |
| Net loans and leases to core deposits | 106.0387% | 1,170 |
| Total domestic deposits to total assets | 82.7831% | 3,473 |
| Equity capital to assets | 11.4274% | 2,465 |
| Core capital (leverage) ratio | 10.4195% | 3,146 |
| Tier 1 risk-based capital ratio | 12.8090% | 3,975 |
| Total risk-based capital ratio | 14.0739% | 3,864 |
| Memoranda: | ||
| Average total assets | $304,611,500 | 2,174 |
| Average earning assets | $279,324,000 | 2,182 |
| Average equity | $34,033,000 | 2,189 |
| Average total loans | $230,026,500 | 1,995 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 772 |
| Cost of funding earning assets | 0.8614% | 1,260 |
| Net interest margin | 4.2865% | 1,189 |
| Noninterest income to average assets | 0.3719% | 3,604 |
| Noninterest expense to average assets | 2.4797% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4581% | 1,247 |
| Return on assets (ROA) | 1.4581% | 1,237 |
| Pretax return on assets | 1.8144% | 885 |
| Return on Equity (ROE) | 12.9983% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.9970% | 2,768 |
| Net charge-offs to loans | -0.0485% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3119% | 4,243 |
| Assets per employee ($millions) | 5.1475% | 2,327 |
| Cash dividends to net income (ytd only)* | 61.5563% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.3813% | 1,869 |
| Net loans and leases to deposits | 90.6963% | 1,713 |
| Net loans and leases to core deposits | 105.8174% | 1,283 |
| Total domestic deposits to total assets | 82.0114% | 3,637 |
| Equity capital to assets | 10.9162% | 2,774 |
| Core capital (leverage) ratio | 10.1583% | 3,400 |
| Tier 1 risk-based capital ratio | 12.4477% | 4,173 |
| Total risk-based capital ratio | 13.7105% | 4,031 |
| Memoranda: | ||
| Average total assets | $295,242,600 | 2,183 |
| Average earning assets | $270,149,000 | 2,195 |
| Average equity | $33,119,600 | 2,151 |
| Average total loans | $220,568,800 | 2,019 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1119% | 741 |
| Cost of funding earning assets | 0.8222% | 1,231 |
| Net interest margin | 4.2898% | 1,132 |
| Noninterest income to average assets | 0.4003% | 3,481 |
| Noninterest expense to average assets | 2.4999% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4692% | 1,276 |
| Return on assets (ROA) | 1.4692% | 1,275 |
| Pretax return on assets | 1.8258% | 952 |
| Return on Equity (ROE) | 13.0063% | 1,428 |
| Retained earnings to average equity (ytd only) | 13.0063% | 359 |
| Net charge-offs to loans | -0.0611% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3607% | 4,205 |
| Assets per employee ($millions) | 5.0965% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 670 |
| Loan loss allowance to noncurrent loans | 29,078.5714% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,008 |
| Noncurrent loans to loans | 0.0063% | 4,907 |
| Net loans and leases to total assets | 73.6939% | 2,038 |
| Net loans and leases to deposits | 89.9878% | 1,898 |
| Net loans and leases to core deposits | 108.6940% | 1,118 |
| Total domestic deposits to total assets | 81.8933% | 3,644 |
| Equity capital to assets | 11.5837% | 2,196 |
| Core capital (leverage) ratio | 10.7977% | 2,794 |
| Tier 1 risk-based capital ratio | 13.5239% | 3,614 |
| Total risk-based capital ratio | 14.7898% | 3,520 |
| Memoranda: | ||
| Average total assets | $293,127,250 | 2,204 |
| Average earning assets | $268,228,750 | 2,222 |
| Average equity | $33,111,250 | 2,156 |
| Average total loans | $218,216,750 | 2,048 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 669 |
| Cost of funding earning assets | 0.7767% | 1,245 |
| Net interest margin | 4.3177% | 1,004 |
| Noninterest income to average assets | 0.3401% | 3,909 |
| Noninterest expense to average assets | 2.5713% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3890% | 1,477 |
| Return on assets (ROA) | 1.3890% | 1,479 |
| Pretax return on assets | 1.7167% | 1,175 |
| Return on Equity (ROE) | 12.4028% | 1,585 |
| Retained earnings to average equity (ytd only) | 12.4028% | 466 |
| Net charge-offs to loans | -0.0876% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5181% | 4,007 |
| Assets per employee ($millions) | 5.3347% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.2736% | 2,080 |
| Net loans and leases to deposits | 89.3183% | 1,933 |
| Net loans and leases to core deposits | 109.1536% | 1,046 |
| Total domestic deposits to total assets | 82.0366% | 3,710 |
| Equity capital to assets | 11.4213% | 2,251 |
| Core capital (leverage) ratio | 10.5007% | 3,030 |
| Tier 1 risk-based capital ratio | 13.2326% | 3,774 |
| Total risk-based capital ratio | 14.5015% | 3,685 |
| Memoranda: | ||
| Average total assets | $292,304,000 | 2,215 |
| Average earning assets | $267,272,000 | 2,227 |
| Average equity | $32,734,670 | 2,181 |
| Average total loans | $216,986,330 | 2,061 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 815 |
| Cost of funding earning assets | 0.7320% | 1,275 |
| Net interest margin | 4.1987% | 1,179 |
| Noninterest income to average assets | 0.2769% | 4,315 |
| Noninterest expense to average assets | 2.4445% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3546% | 1,464 |
| Return on assets (ROA) | 1.3546% | 1,477 |
| Pretax return on assets | 1.6699% | 1,192 |
| Return on Equity (ROE) | 12.2177% | 1,502 |
| Retained earnings to average equity (ytd only) | 12.2177% | 645 |
| Net charge-offs to loans | 0.0056% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 165 |
| Efficiency ratio | 58.9470% | 4,225 |
| Assets per employee ($millions) | 5.4078% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 761 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,888 |
| Noncurrent loans to loans | 0.0586% | 4,711 |
| Net loans and leases to total assets | 73.4188% | 1,963 |
| Net loans and leases to deposits | 92.3676% | 1,411 |
| Net loans and leases to core deposits | 112.4769% | 866 |
| Total domestic deposits to total assets | 79.4854% | 4,494 |
| Equity capital to assets | 11.1296% | 2,455 |
| Core capital (leverage) ratio | 10.0531% | 3,469 |
| Tier 1 risk-based capital ratio | 12.6259% | 4,157 |
| Total risk-based capital ratio | 13.8946% | 4,053 |
| Memoranda: | ||
| Average total assets | $291,752,500 | 2,241 |
| Average earning assets | $266,651,500 | 2,257 |
| Average equity | $32,346,500 | 2,215 |
| Average total loans | $215,951,500 | 2,073 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 942 |
| Cost of funding earning assets | 0.6226% | 1,451 |
| Net interest margin | 4.1962% | 1,194 |
| Noninterest income to average assets | 0.5463% | 2,738 |
| Noninterest expense to average assets | 2.4900% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2741% | 1,291 |
| Return on assets (ROA) | 1.2741% | 1,313 |
| Pretax return on assets | 1.8838% | 621 |
| Return on Equity (ROE) | 11.3270% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.9692% | 1,554 |
| Net charge-offs to loans | 0.0228% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 115.5217% | 584 |
| Efficiency ratio | 56.4840% | 4,717 |
| Assets per employee ($millions) | 5.6054% | 1,840 |
| Cash dividends to net income (ytd only)* | 47.3011% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 695 |
| Loan loss allowance to noncurrent loans | 397,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,204 |
| Noncurrent loans to loans | 0.0005% | 5,079 |
| Net loans and leases to total assets | 71.8961% | 2,251 |
| Net loans and leases to deposits | 90.8155% | 1,677 |
| Net loans and leases to core deposits | 108.8067% | 1,075 |
| Total domestic deposits to total assets | 79.1672% | 4,506 |
| Equity capital to assets | 11.0442% | 2,589 |
| Core capital (leverage) ratio | 9.9466% | 3,523 |
| Tier 1 risk-based capital ratio | 12.3693% | 4,283 |
| Total risk-based capital ratio | 13.6374% | 4,187 |
| Memoranda: | ||
| Average total assets | $282,086,600 | 2,278 |
| Average earning assets | $257,306,400 | 2,298 |
| Average equity | $31,729,400 | 2,238 |
| Average total loans | $201,336,600 | 2,144 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 932 |
| Cost of funding earning assets | 0.6114% | 1,452 |
| Net interest margin | 4.1858% | 1,187 |
| Noninterest income to average assets | 0.5090% | 2,977 |
| Noninterest expense to average assets | 2.4918% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3079% | 1,303 |
| Return on assets (ROA) | 1.3079% | 1,342 |
| Pretax return on assets | 1.8383% | 806 |
| Return on Equity (ROE) | 11.5727% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.5727% | 334 |
| Net charge-offs to loans | 0.0128% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 203.0217% | 428 |
| Efficiency ratio | 57.0941% | 4,602 |
| Assets per employee ($millions) | 5.7167% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 649 |
| Loan loss allowance to noncurrent loans | 8,691.3043% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,174 |
| Noncurrent loans to loans | 0.0223% | 5,025 |
| Net loans and leases to total assets | 70.7498% | 2,450 |
| Net loans and leases to deposits | 89.4906% | 1,873 |
| Net loans and leases to core deposits | 107.5509% | 1,166 |
| Total domestic deposits to total assets | 79.0583% | 4,520 |
| Equity capital to assets | 11.6091% | 2,268 |
| Core capital (leverage) ratio | 10.4842% | 3,005 |
| Tier 1 risk-based capital ratio | 12.9840% | 4,019 |
| Total risk-based capital ratio | 14.2530% | 3,914 |
| Memoranda: | ||
| Average total assets | $279,737,500 | 2,306 |
| Average earning assets | $255,365,000 | 2,328 |
| Average equity | $31,613,750 | 2,260 |
| Average total loans | $198,286,750 | 2,177 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 987 |
| Cost of funding earning assets | 0.6017% | 1,434 |
| Net interest margin | 4.1349% | 1,236 |
| Noninterest income to average assets | 0.5754% | 2,580 |
| Noninterest expense to average assets | 2.4767% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3259% | 1,232 |
| Return on assets (ROA) | 1.3259% | 1,258 |
| Pretax return on assets | 1.8747% | 697 |
| Return on Equity (ROE) | 11.8428% | 1,348 |
| Retained earnings to average equity (ytd only) | 11.8428% | 336 |
| Net charge-offs to loans | -0.0041% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4548% | 4,770 |
| Assets per employee ($millions) | 5.4536% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 532 |
| Loan loss allowance to noncurrent loans | 10,052.5000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,232 |
| Noncurrent loans to loans | 0.0206% | 5,082 |
| Net loans and leases to total assets | 68.2586% | 2,776 |
| Net loans and leases to deposits | 83.5000% | 2,544 |
| Net loans and leases to core deposits | 100.6217% | 1,609 |
| Total domestic deposits to total assets | 81.7468% | 3,960 |
| Equity capital to assets | 11.6279% | 2,208 |
| Core capital (leverage) ratio | 10.2392% | 3,222 |
| Tier 1 risk-based capital ratio | 13.1504% | 3,917 |
| Total risk-based capital ratio | 14.4199% | 3,802 |
| Memoranda: | ||
| Average total assets | $277,704,330 | 2,324 |
| Average earning assets | $253,598,330 | 2,353 |
| Average equity | $31,090,670 | 2,292 |
| Average total loans | $195,640,000 | 2,209 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 983 |
| Cost of funding earning assets | 0.5990% | 1,380 |
| Net interest margin | 4.0759% | 1,284 |
| Noninterest income to average assets | 0.6155% | 2,345 |
| Noninterest expense to average assets | 2.3583% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4040% | 996 |
| Return on assets (ROA) | 1.4040% | 1,025 |
| Pretax return on assets | 1.9748% | 532 |
| Return on Equity (ROE) | 12.7882% | 1,042 |
| Retained earnings to average equity (ytd only) | 12.7882% | 395 |
| Net charge-offs to loans | 0.0020% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,370.0000% | 27 |
| Efficiency ratio | 53.9587% | 5,127 |
| Assets per employee ($millions) | 5.5123% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 630 |
| Loan loss allowance to noncurrent loans | 9,795.1220% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,291 |
| Noncurrent loans to loans | 0.0207% | 5,141 |
| Net loans and leases to total assets | 68.8723% | 2,551 |
| Net loans and leases to deposits | 83.4889% | 2,342 |
| Net loans and leases to core deposits | 97.9873% | 1,659 |
| Total domestic deposits to total assets | 82.4927% | 4,016 |
| Equity capital to assets | 11.0255% | 2,607 |
| Core capital (leverage) ratio | 9.7700% | 3,790 |
| Tier 1 risk-based capital ratio | 12.8279% | 4,183 |
| Total risk-based capital ratio | 14.0968% | 4,072 |
| Memoranda: | ||
| Average total assets | $277,490,500 | 2,345 |
| Average earning assets | $253,099,000 | 2,375 |
| Average equity | $30,465,500 | 2,342 |
| Average total loans | $196,525,000 | 2,216 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 960 |
| Cost of funding earning assets | 0.6013% | 1,319 |
| Net interest margin | 4.1508% | 1,241 |
| Noninterest income to average assets | 0.6746% | 2,293 |
| Noninterest expense to average assets | 2.4978% | 4,020 |
| Loan and lease loss provision to assets | 0.1037% | 2,310 |
| Net operating income to assets | 1.3551% | 1,086 |
| Return on assets (ROA) | 1.3938% | 1,051 |
| Pretax return on assets | 1.9398% | 573 |
| Return on Equity (ROE) | 12.6300% | 1,082 |
| Retained earnings to average equity (ytd only) | 8.2656% | 767 |
| Net charge-offs to loans | -0.0720% | 5,489 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2052% | 5,130 |
| Assets per employee ($millions) | 5.3696% | 1,988 |
| Cash dividends to net income (ytd only)* | 34.5561% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 596 |
| Loan loss allowance to noncurrent loans | 1,131.5493% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 4,357 |
| Noncurrent loans to loans | 0.1817% | 4,510 |
| Net loans and leases to total assets | 69.8907% | 2,492 |
| Net loans and leases to deposits | 84.8590% | 2,323 |
| Net loans and leases to core deposits | 100.6616% | 1,565 |
| Total domestic deposits to total assets | 82.3609% | 3,974 |
| Equity capital to assets | 10.9311% | 2,684 |
| Core capital (leverage) ratio | 9.3646% | 4,265 |
| Tier 1 risk-based capital ratio | 12.4874% | 4,380 |
| Total risk-based capital ratio | 13.7576% | 4,263 |
| Memoranda: | ||
| Average total assets | $269,918,800 | 2,363 |
| Average earning assets | $247,953,000 | 2,374 |
| Average equity | $29,786,200 | 2,363 |
| Average total loans | $194,354,200 | 2,162 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 980 |
| Cost of funding earning assets | 0.5948% | 1,375 |
| Net interest margin | 4.1578% | 1,235 |
| Noninterest income to average assets | 0.6787% | 2,271 |
| Noninterest expense to average assets | 2.5081% | 3,964 |
| Loan and lease loss provision to assets | 0.1388% | 1,692 |
| Net operating income to assets | 1.3501% | 1,165 |
| Return on assets (ROA) | 1.4025% | 1,117 |
| Pretax return on assets | 1.9330% | 656 |
| Return on Equity (ROE) | 12.6791% | 1,127 |
| Retained earnings to average equity (ytd only) | 12.6791% | 237 |
| Net charge-offs to loans | -0.0515% | 5,382 |
| Credit loss provision to net charge-offs | -373.3333% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1853% | 5,134 |
| Assets per employee ($millions) | 5.5783% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 714 |
| Loan loss allowance to noncurrent loans | 28,228.5714% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 4,419 |
| Noncurrent loans to loans | 0.0071% | 5,386 |
| Net loans and leases to total assets | 70.4184% | 2,432 |
| Net loans and leases to deposits | 87.9248% | 2,025 |
| Net loans and leases to core deposits | 106.8622% | 1,120 |
| Total domestic deposits to total assets | 80.0893% | 4,495 |
| Equity capital to assets | 11.4040% | 2,597 |
| Core capital (leverage) ratio | 9.9819% | 3,600 |
| Tier 1 risk-based capital ratio | 12.8951% | 4,225 |
| Total risk-based capital ratio | 14.1634% | 4,128 |
| Memoranda: | ||
| Average total assets | $268,935,500 | 2,383 |
| Average earning assets | $247,687,500 | 2,389 |
| Average equity | $29,749,000 | 2,380 |
| Average total loans | $194,089,250 | 2,170 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,078 |
| Cost of funding earning assets | 0.5825% | 1,453 |
| Net interest margin | 4.1036% | 1,358 |
| Noninterest income to average assets | 0.5937% | 2,652 |
| Noninterest expense to average assets | 2.5835% | 3,780 |
| Loan and lease loss provision to assets | 0.1196% | 1,903 |
| Net operating income to assets | 1.2527% | 1,411 |
| Return on assets (ROA) | 1.3340% | 1,281 |
| Pretax return on assets | 1.7811% | 919 |
| Return on Equity (ROE) | 12.1879% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.1879% | 300 |
| Net charge-offs to loans | -0.0838% | 5,560 |
| Credit loss provision to net charge-offs | -197.5309% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5783% | 4,829 |
| Assets per employee ($millions) | 5.3092% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 783 |
| Loan loss allowance to noncurrent loans | 1,199.3750% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,972 |
| Noncurrent loans to loans | 0.1643% | 4,783 |
| Net loans and leases to total assets | 71.9056% | 2,187 |
| Net loans and leases to deposits | 90.1585% | 1,736 |
| Net loans and leases to core deposits | 108.1798% | 1,030 |
| Total domestic deposits to total assets | 79.7547% | 4,611 |
| Equity capital to assets | 11.3912% | 2,648 |
| Core capital (leverage) ratio | 9.7566% | 3,864 |
| Tier 1 risk-based capital ratio | 13.0308% | 4,185 |
| Total risk-based capital ratio | 14.2968% | 4,094 |
| Memoranda: | ||
| Average total assets | $267,469,000 | 2,409 |
| Average earning assets | $246,517,330 | 2,412 |
| Average equity | $29,275,000 | 2,424 |
| Average total loans | $193,309,000 | 2,183 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 1,262 |
| Cost of funding earning assets | 0.5566% | 1,648 |
| Net interest margin | 4.0448% | 1,495 |
| Noninterest income to average assets | 0.5870% | 2,608 |
| Noninterest expense to average assets | 2.6401% | 3,611 |
| Loan and lease loss provision to assets | 0.0596% | 2,761 |
| Net operating income to assets | 1.2749% | 1,321 |
| Return on assets (ROA) | 1.3796% | 1,134 |
| Pretax return on assets | 1.7447% | 955 |
| Return on Equity (ROE) | 12.8642% | 1,063 |
| Retained earnings to average equity (ytd only) | 12.8642% | 405 |
| Net charge-offs to loans | -0.0062% | 4,361 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7464% | 4,640 |
| Assets per employee ($millions) | 5.5246% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 994 |
| Loan loss allowance to noncurrent loans | 1,133.9564% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 4,089 |
| Noncurrent loans to loans | 0.1660% | 4,832 |
| Net loans and leases to total assets | 70.0765% | 2,329 |
| Net loans and leases to deposits | 88.1937% | 1,806 |
| Net loans and leases to core deposits | 104.8350% | 1,145 |
| Total domestic deposits to total assets | 79.4575% | 4,865 |
| Equity capital to assets | 10.8194% | 3,142 |
| Core capital (leverage) ratio | 9.3750% | 4,388 |
| Tier 1 risk-based capital ratio | 12.1192% | 4,839 |
| Total risk-based capital ratio | 13.3837% | 4,729 |
| Memoranda: | ||
| Average total assets | $268,474,000 | 2,402 |
| Average earning assets | $247,230,500 | 2,411 |
| Average equity | $28,793,000 | 2,451 |
| Average total loans | $192,604,500 | 2,184 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,135 |
| Cost of funding earning assets | 0.4903% | 2,251 |
| Net interest margin | 4.1957% | 1,184 |
| Noninterest income to average assets | 0.6605% | 2,400 |
| Noninterest expense to average assets | 2.7401% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4343% | 972 |
| Return on assets (ROA) | 1.4343% | 1,004 |
| Pretax return on assets | 1.7441% | 907 |
| Return on Equity (ROE) | 13.4537% | 957 |
| Retained earnings to average equity (ytd only) | 8.8681% | 684 |
| Net charge-offs to loans | -0.1256% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6284% | 4,815 |
| Assets per employee ($millions) | 5.2204% | 2,098 |
| Cash dividends to net income (ytd only)* | 34.0841% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 1,000 |
| Loan loss allowance to noncurrent loans | 1,138.2911% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 4,090 |
| Noncurrent loans to loans | 0.1647% | 4,830 |
| Net loans and leases to total assets | 70.7141% | 2,261 |
| Net loans and leases to deposits | 92.5915% | 1,338 |
| Net loans and leases to core deposits | 103.1724% | 1,286 |
| Total domestic deposits to total assets | 76.3722% | 5,405 |
| Equity capital to assets | 10.6283% | 3,211 |
| Core capital (leverage) ratio | 9.3156% | 4,451 |
| Tier 1 risk-based capital ratio | 12.2402% | 4,802 |
| Total risk-based capital ratio | 13.5051% | 4,689 |
| Memoranda: | ||
| Average total assets | $256,923,800 | 2,449 |
| Average earning assets | $234,145,400 | 2,470 |
| Average equity | $27,390,200 | 2,512 |
| Average total loans | $175,982,400 | 2,284 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 1,212 |
| Cost of funding earning assets | 0.4863% | 2,355 |
| Net interest margin | 4.1630% | 1,248 |
| Noninterest income to average assets | 0.6326% | 2,571 |
| Noninterest expense to average assets | 2.8033% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4192% | 1,065 |
| Return on assets (ROA) | 1.4192% | 1,109 |
| Pretax return on assets | 1.6130% | 1,341 |
| Return on Equity (ROE) | 13.3018% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.3018% | 259 |
| Net charge-offs to loans | -0.1860% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0499% | 4,396 |
| Assets per employee ($millions) | 5.1430% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 938 |
| Loan loss allowance to noncurrent loans | 1,105.8104% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 3,433 |
| Noncurrent loans to loans | 0.1792% | 4,938 |
| Net loans and leases to total assets | 69.5453% | 2,458 |
| Net loans and leases to deposits | 89.9391% | 1,659 |
| Net loans and leases to core deposits | 100.6466% | 1,462 |
| Total domestic deposits to total assets | 77.3248% | 5,290 |
| Equity capital to assets | 11.0971% | 2,905 |
| Core capital (leverage) ratio | 9.6417% | 4,124 |
| Tier 1 risk-based capital ratio | 12.6441% | 4,653 |
| Total risk-based capital ratio | 13.9103% | 4,550 |
| Memoranda: | ||
| Average total assets | $254,594,500 | 2,488 |
| Average earning assets | $231,400,250 | 2,517 |
| Average equity | $27,163,500 | 2,544 |
| Average total loans | $172,011,250 | 2,340 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,241 |
| Cost of funding earning assets | 0.4832% | 2,402 |
| Net interest margin | 4.1335% | 1,268 |
| Noninterest income to average assets | 0.5683% | 2,919 |
| Noninterest expense to average assets | 2.5695% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2477% | 1,472 |
| Return on assets (ROA) | 1.2477% | 1,533 |
| Pretax return on assets | 1.7411% | 996 |
| Return on Equity (ROE) | 11.8550% | 1,417 |
| Retained earnings to average equity (ytd only) | 11.8550% | 407 |
| Net charge-offs to loans | -0.2836% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1150% | 5,097 |
| Assets per employee ($millions) | 5.2757% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 823 |
| Loan loss allowance to noncurrent loans | 1,069.5266% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 3,401 |
| Noncurrent loans to loans | 0.1983% | 4,983 |
| Net loans and leases to total assets | 65.8743% | 2,974 |
| Net loans and leases to deposits | 79.9333% | 2,793 |
| Net loans and leases to core deposits | 90.2245% | 2,326 |
| Total domestic deposits to total assets | 82.4115% | 4,149 |
| Equity capital to assets | 10.7813% | 3,133 |
| Core capital (leverage) ratio | 9.4975% | 4,285 |
| Tier 1 risk-based capital ratio | 12.9334% | 4,554 |
| Total risk-based capital ratio | 14.1996% | 4,462 |
| Memoranda: | ||
| Average total assets | $253,743,000 | 2,513 |
| Average earning assets | $229,732,000 | 2,543 |
| Average equity | $26,706,000 | 2,590 |
| Average total loans | $168,531,330 | 2,390 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 1,307 |
| Cost of funding earning assets | 0.4767% | 2,488 |
| Net interest margin | 4.0837% | 1,323 |
| Noninterest income to average assets | 0.5244% | 3,127 |
| Noninterest expense to average assets | 2.3292% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3465% | 1,145 |
| Return on assets (ROA) | 1.3465% | 1,214 |
| Pretax return on assets | 1.9055% | 710 |
| Return on Equity (ROE) | 12.9506% | 1,105 |
| Retained earnings to average equity (ytd only) | 12.9506% | 451 |
| Net charge-offs to loans | -0.5633% | 6,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4812% | 5,636 |
| Assets per employee ($millions) | 5.1700% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1770% | 832 |
| Loan loss allowance to noncurrent loans | 1,037.9310% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 3,353 |
| Noncurrent loans to loans | 0.2097% | 5,030 |
| Net loans and leases to total assets | 64.0693% | 3,079 |
| Net loans and leases to deposits | 77.5912% | 2,863 |
| Net loans and leases to core deposits | 87.9579% | 2,337 |
| Total domestic deposits to total assets | 82.5729% | 4,313 |
| Equity capital to assets | 10.6233% | 3,396 |
| Core capital (leverage) ratio | 9.1906% | 4,731 |
| Tier 1 risk-based capital ratio | 13.4710% | 4,338 |
| Total risk-based capital ratio | 14.7365% | 4,248 |
| Memoranda: | ||
| Average total assets | $253,997,500 | 2,526 |
| Average earning assets | $230,773,000 | 2,548 |
| Average equity | $26,408,000 | 2,633 |
| Average total loans | $167,581,500 | 2,399 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 1,920 |
| Cost of funding earning assets | 0.5313% | 2,375 |
| Net interest margin | 3.9566% | 2,022 |
| Noninterest income to average assets | 0.5457% | 3,196 |
| Noninterest expense to average assets | 2.5183% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1974% | 1,589 |
| Return on assets (ROA) | 1.1974% | 1,655 |
| Pretax return on assets | 1.6143% | 1,196 |
| Return on Equity (ROE) | 11.6399% | 1,509 |
| Retained earnings to average equity (ytd only) | 7.0016% | 1,413 |
| Net charge-offs to loans | -0.0019% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3875% | 5,166 |
| Assets per employee ($millions) | 5.3055% | 1,952 |
| Cash dividends to net income (ytd only)* | 39.8483% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 1,124 |
| Loan loss allowance to noncurrent loans | 273.1392% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 2,632 |
| Noncurrent loans to loans | 0.7303% | 3,496 |
| Net loans and leases to total assets | 65.1320% | 3,032 |
| Net loans and leases to deposits | 79.6980% | 2,755 |
| Net loans and leases to core deposits | 88.9512% | 2,385 |
| Total domestic deposits to total assets | 81.7235% | 4,513 |
| Equity capital to assets | 10.1718% | 3,892 |
| Core capital (leverage) ratio | 8.8320% | 5,211 |
| Tier 1 risk-based capital ratio | 12.5441% | 5,014 |
| Total risk-based capital ratio | 13.8070% | 4,921 |
| Memoranda: | ||
| Average total assets | $242,271,200 | 2,596 |
| Average earning assets | $219,632,400 | 2,629 |
| Average equity | $24,922,800 | 2,669 |
| Average total loans | $159,016,800 | 2,439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 1,943 |
| Cost of funding earning assets | 0.5431% | 2,347 |
| Net interest margin | 3.9386% | 2,082 |
| Noninterest income to average assets | 0.4978% | 3,566 |
| Noninterest expense to average assets | 2.5264% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1411% | 1,894 |
| Return on assets (ROA) | 1.1411% | 1,957 |
| Pretax return on assets | 1.5453% | 1,496 |
| Return on Equity (ROE) | 11.0598% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.0598% | 505 |
| Net charge-offs to loans | 0.0026% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 923.9775% | 81 |
| Efficiency ratio | 61.4869% | 4,966 |
| Assets per employee ($millions) | 5.1413% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 1,211 |
| Loan loss allowance to noncurrent loans | 266.8250% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 2,396 |
| Noncurrent loans to loans | 0.7597% | 3,700 |
| Net loans and leases to total assets | 66.0035% | 2,868 |
| Net loans and leases to deposits | 81.4491% | 2,496 |
| Net loans and leases to core deposits | 91.2977% | 2,087 |
| Total domestic deposits to total assets | 81.0365% | 4,815 |
| Equity capital to assets | 10.5359% | 3,511 |
| Core capital (leverage) ratio | 9.1406% | 4,869 |
| Tier 1 risk-based capital ratio | 12.8793% | 4,929 |
| Total risk-based capital ratio | 14.1435% | 4,839 |
| Memoranda: | ||
| Average total assets | $239,172,500 | 2,636 |
| Average earning assets | $217,025,750 | 2,661 |
| Average equity | $24,677,500 | 2,703 |
| Average total loans | $156,459,750 | 2,487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 2,132 |
| Cost of funding earning assets | 0.5424% | 2,412 |
| Net interest margin | 3.8703% | 2,296 |
| Noninterest income to average assets | 0.4403% | 3,941 |
| Noninterest expense to average assets | 2.4088% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1461% | 1,771 |
| Return on assets (ROA) | 1.1461% | 1,856 |
| Pretax return on assets | 1.5534% | 1,387 |
| Return on Equity (ROE) | 11.1898% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.1898% | 515 |
| Net charge-offs to loans | 0.0078% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 306.3333% | 224 |
| Efficiency ratio | 60.2176% | 5,264 |
| Assets per employee ($millions) | 4.9561% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1384% | 1,105 |
| Loan loss allowance to noncurrent loans | 260.8056% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2897% | 2,536 |
| Noncurrent loans to loans | 0.8199% | 3,660 |
| Net loans and leases to total assets | 60.9611% | 3,570 |
| Net loans and leases to deposits | 76.0841% | 3,045 |
| Net loans and leases to core deposits | 87.4580% | 2,366 |
| Total domestic deposits to total assets | 80.1233% | 5,206 |
| Equity capital to assets | 10.0240% | 4,073 |
| Core capital (leverage) ratio | 8.8800% | 5,190 |
| Tier 1 risk-based capital ratio | 13.1375% | 4,827 |
| Total risk-based capital ratio | 14.4027% | 4,749 |
| Memoranda: | ||
| Average total assets | $236,635,330 | 2,666 |
| Average earning assets | $215,333,000 | 2,685 |
| Average equity | $24,236,330 | 2,734 |
| Average total loans | $153,194,330 | 2,527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,766 |
| Cost of funding earning assets | 0.5349% | 2,552 |
| Net interest margin | 3.9801% | 1,826 |
| Noninterest income to average assets | 0.3745% | 4,389 |
| Noninterest expense to average assets | 2.4185% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1865% | 1,523 |
| Return on assets (ROA) | 1.1865% | 1,592 |
| Pretax return on assets | 1.5627% | 1,253 |
| Return on Equity (ROE) | 11.4498% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.4498% | 683 |
| Net charge-offs to loans | 0.0106% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 223.2500% | 221 |
| Efficiency ratio | 60.1319% | 5,390 |
| Assets per employee ($millions) | 4.4795% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,121 |
| Loan loss allowance to noncurrent loans | 255.6146% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 2,386 |
| Noncurrent loans to loans | 0.8717% | 3,714 |
| Net loans and leases to total assets | 64.7096% | 2,774 |
| Net loans and leases to deposits | 81.8661% | 2,056 |
| Net loans and leases to core deposits | 87.4131% | 2,155 |
| Total domestic deposits to total assets | 79.0432% | 5,678 |
| Equity capital to assets | 10.6086% | 3,131 |
| Core capital (leverage) ratio | 9.1433% | 4,803 |
| Tier 1 risk-based capital ratio | 12.9576% | 5,029 |
| Total risk-based capital ratio | 14.2243% | 4,953 |
| Memoranda: | ||
| Average total assets | $228,571,500 | 2,752 |
| Average earning assets | $207,129,000 | 2,779 |
| Average equity | $23,686,000 | 2,779 |
| Average total loans | $151,064,500 | 2,563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,522 |
| Cost of funding earning assets | 0.6447% | 2,253 |
| Net interest margin | 3.7732% | 2,747 |
| Noninterest income to average assets | 0.6927% | 2,582 |
| Noninterest expense to average assets | 2.7321% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9816% | 2,416 |
| Return on assets (ROA) | 0.9876% | 2,451 |
| Pretax return on assets | 1.3385% | 2,014 |
| Return on Equity (ROE) | 9.2227% | 2,441 |
| Retained earnings to average equity (ytd only) | 4.5476% | 2,925 |
| Net charge-offs to loans | -0.0118% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6368% | 4,445 |
| Assets per employee ($millions) | 4.5737% | 2,772 |
| Cash dividends to net income (ytd only)* | 50.6912% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2349% | 1,133 |
| Loan loss allowance to noncurrent loans | 249.8519% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 2,487 |
| Noncurrent loans to loans | 0.8945% | 3,752 |
| Net loans and leases to total assets | 64.5223% | 2,951 |
| Net loans and leases to deposits | 81.3055% | 2,277 |
| Net loans and leases to core deposits | 86.4076% | 2,400 |
| Total domestic deposits to total assets | 79.3578% | 5,588 |
| Equity capital to assets | 10.1169% | 3,609 |
| Core capital (leverage) ratio | 8.9973% | 5,011 |
| Tier 1 risk-based capital ratio | 11.9773% | 5,626 |
| Total risk-based capital ratio | 13.2439% | 5,558 |
| Memoranda: | ||
| Average total assets | $219,717,400 | 2,810 |
| Average earning assets | $196,224,400 | 2,871 |
| Average equity | $23,528,800 | 2,766 |
| Average total loans | $135,329,000 | 2,771 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,711 |
| Cost of funding earning assets | 0.6607% | 2,258 |
| Net interest margin | 3.7042% | 3,016 |
| Noninterest income to average assets | 0.7087% | 2,558 |
| Noninterest expense to average assets | 2.7294% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9638% | 2,526 |
| Return on assets (ROA) | 0.9638% | 2,624 |
| Pretax return on assets | 1.2826% | 2,397 |
| Return on Equity (ROE) | 8.8710% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.8710% | 1,095 |
| Net charge-offs to loans | -0.0101% | 5,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4053% | 4,207 |
| Assets per employee ($millions) | 4.5113% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4206% | 1,024 |
| Loan loss allowance to noncurrent loans | 243.4563% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 2,554 |
| Noncurrent loans to loans | 0.9943% | 3,818 |
| Net loans and leases to total assets | 62.6800% | 3,225 |
| Net loans and leases to deposits | 80.9678% | 2,267 |
| Net loans and leases to core deposits | 87.3596% | 2,246 |
| Total domestic deposits to total assets | 77.4135% | 5,986 |
| Equity capital to assets | 10.9291% | 2,830 |
| Core capital (leverage) ratio | 9.5336% | 4,355 |
| Tier 1 risk-based capital ratio | 13.2622% | 4,926 |
| Total risk-based capital ratio | 14.5312% | 4,856 |
| Memoranda: | ||
| Average total assets | $217,475,000 | 2,863 |
| Average earning assets | $193,935,250 | 2,928 |
| Average equity | $23,627,000 | 2,791 |
| Average total loans | $131,429,500 | 2,846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 3,012 |
| Cost of funding earning assets | 0.6667% | 2,344 |
| Net interest margin | 3.6194% | 3,285 |
| Noninterest income to average assets | 0.8173% | 2,120 |
| Noninterest expense to average assets | 2.7173% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9835% | 2,398 |
| Return on assets (ROA) | 0.9835% | 2,543 |
| Pretax return on assets | 1.3206% | 2,232 |
| Return on Equity (ROE) | 9.0709% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.0709% | 1,096 |
| Net charge-offs to loans | -0.0124% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6591% | 4,420 |
| Assets per employee ($millions) | 4.2600% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 930 |
| Loan loss allowance to noncurrent loans | 231.5898% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 2,576 |
| Noncurrent loans to loans | 1.1020% | 3,728 |
| Net loans and leases to total assets | 60.3196% | 3,605 |
| Net loans and leases to deposits | 76.9584% | 2,731 |
| Net loans and leases to core deposits | 84.6429% | 2,472 |
| Total domestic deposits to total assets | 78.3795% | 5,899 |
| Equity capital to assets | 11.0581% | 2,698 |
| Core capital (leverage) ratio | 9.1979% | 4,700 |
| Tier 1 risk-based capital ratio | 13.5644% | 4,732 |
| Total risk-based capital ratio | 14.8335% | 4,680 |
| Memoranda: | ||
| Average total assets | $217,786,330 | 2,872 |
| Average earning assets | $193,791,670 | 2,945 |
| Average equity | $23,614,000 | 2,805 |
| Average total loans | $128,874,330 | 2,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,456 |
| Cost of funding earning assets | 0.6625% | 2,544 |
| Net interest margin | 3.5004% | 3,695 |
| Noninterest income to average assets | 0.6413% | 2,926 |
| Noninterest expense to average assets | 2.7214% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8030% | 3,146 |
| Return on assets (ROA) | 0.8030% | 3,281 |
| Pretax return on assets | 1.0301% | 3,225 |
| Return on Equity (ROE) | 7.4776% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.4776% | 1,948 |
| Net charge-offs to loans | -0.0063% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8644% | 3,638 |
| Assets per employee ($millions) | 4.6453% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6903% | 924 |
| Loan loss allowance to noncurrent loans | 235.5540% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.8787% | 2,507 |
| Noncurrent loans to loans | 1.1421% | 3,874 |
| Net loans and leases to total assets | 54.4902% | 4,337 |
| Net loans and leases to deposits | 68.7480% | 3,672 |
| Net loans and leases to core deposits | 74.9966% | 3,468 |
| Total domestic deposits to total assets | 79.2608% | 5,917 |
| Equity capital to assets | 10.6560% | 3,372 |
| Core capital (leverage) ratio | 8.7468% | 5,263 |
| Tier 1 risk-based capital ratio | 13.5403% | 4,841 |
| Total risk-based capital ratio | 14.8110% | 4,784 |
| Memoranda: | ||
| Average total assets | $220,178,500 | 2,868 |
| Average earning assets | $195,635,000 | 2,952 |
| Average equity | $23,644,000 | 2,840 |
| Average total loans | $127,388,000 | 2,945 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,748 |
| Cost of funding earning assets | 0.8108% | 2,581 |
| Net interest margin | 3.8512% | 3,023 |
| Noninterest income to average assets | 0.5685% | 3,456 |
| Noninterest expense to average assets | 2.9381% | 3,509 |
| Loan and lease loss provision to assets | 0.2342% | 2,797 |
| Net operating income to assets | 0.6329% | 4,074 |
| Return on assets (ROA) | 0.6405% | 4,293 |
| Pretax return on assets | 0.8281% | 4,187 |
| Return on Equity (ROE) | 5.7982% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.5411% | 5,095 |
| Net charge-offs to loans | 1.1286% | 923 |
| Credit loss provision to net charge-offs | 33.6032% | 5,049 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 4,688 |
| Efficiency ratio | 71.8006% | 3,455 |
| Assets per employee ($millions) | 4.9405% | 2,305 |
| Cash dividends to net income (ytd only)* | 73.4214% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5839% | 1,034 |
| Loan loss allowance to noncurrent loans | 201.0180% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 2.2329% | 2,195 |
| Noncurrent loans to loans | 1.2854% | 3,690 |
| Net loans and leases to total assets | 58.2203% | 3,938 |
| Net loans and leases to deposits | 74.0313% | 3,080 |
| Net loans and leases to core deposits | 81.3181% | 2,844 |
| Total domestic deposits to total assets | 78.6428% | 5,964 |
| Equity capital to assets | 10.8233% | 3,149 |
| Core capital (leverage) ratio | 9.0795% | 4,767 |
| Tier 1 risk-based capital ratio | 13.3323% | 4,878 |
| Total risk-based capital ratio | 14.6025% | 4,809 |
| Memoranda: | ||
| Average total assets | $212,657,000 | 2,901 |
| Average earning assets | $188,952,200 | 2,973 |
| Average equity | $23,490,000 | 2,801 |
| Average total loans | $131,318,200 | 2,859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 2,533 |
| Cost of funding earning assets | 0.8454% | 2,583 |
| Net interest margin | 3.9164% | 2,851 |
| Noninterest income to average assets | 0.4407% | 4,359 |
| Noninterest expense to average assets | 3.0603% | 3,016 |
| Loan and lease loss provision to assets | 0.3140% | 2,102 |
| Net operating income to assets | 0.4654% | 4,970 |
| Return on assets (ROA) | 0.4766% | 5,191 |
| Pretax return on assets | 0.5611% | 5,276 |
| Return on Equity (ROE) | 4.2928% | 5,154 |
| Retained earnings to average equity (ytd only) | 4.2928% | 3,865 |
| Net charge-offs to loans | 1.3306% | 700 |
| Credit loss provision to net charge-offs | 37.8995% | 4,656 |
| Earnings coverage of net charge-offs (x) | 1.0403% | 4,792 |
| Efficiency ratio | 75.7595% | 2,709 |
| Assets per employee ($millions) | 4.8361% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6469% | 1,038 |
| Loan loss allowance to noncurrent loans | 133.4217% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 2.4328% | 2,178 |
| Noncurrent loans to loans | 1.9839% | 2,860 |
| Net loans and leases to total assets | 62.3461% | 3,327 |
| Net loans and leases to deposits | 82.8906% | 2,007 |
| Net loans and leases to core deposits | 90.7170% | 1,904 |
| Total domestic deposits to total assets | 75.2150% | 6,490 |
| Equity capital to assets | 11.5483% | 2,704 |
| Core capital (leverage) ratio | 9.4691% | 4,315 |
| Tier 1 risk-based capital ratio | 13.2978% | 5,026 |
| Total risk-based capital ratio | 14.5678% | 4,977 |
| Memoranda: | ||
| Average total assets | $211,475,500 | 2,940 |
| Average earning assets | $187,991,500 | 3,016 |
| Average equity | $23,480,500 | 2,824 |
| Average total loans | $131,668,250 | 2,883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 2,555 |
| Cost of funding earning assets | 0.8872% | 2,509 |
| Net interest margin | 3.9013% | 2,898 |
| Noninterest income to average assets | 0.6320% | 3,063 |
| Noninterest expense to average assets | 2.9730% | 3,359 |
| Loan and lease loss provision to assets | 0.4684% | 1,362 |
| Net operating income to assets | 0.5288% | 4,682 |
| Return on assets (ROA) | 0.5342% | 4,936 |
| Pretax return on assets | 0.6546% | 4,959 |
| Return on Equity (ROE) | 4.8750% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.8750% | 3,350 |
| Net charge-offs to loans | 0.3675% | 2,546 |
| Credit loss provision to net charge-offs | 206.6390% | 1,370 |
| Earnings coverage of net charge-offs (x) | 4.9253% | 2,957 |
| Efficiency ratio | 70.3542% | 3,706 |
| Assets per employee ($millions) | 4.2600% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5219% | 490 |
| Loan loss allowance to noncurrent loans | 116.2873% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 3.0943% | 1,768 |
| Noncurrent loans to loans | 3.0286% | 1,947 |
| Net loans and leases to total assets | 60.3408% | 3,761 |
| Net loans and leases to deposits | 78.6051% | 2,580 |
| Net loans and leases to core deposits | 87.4500% | 2,262 |
| Total domestic deposits to total assets | 76.7645% | 6,367 |
| Equity capital to assets | 11.3624% | 2,726 |
| Core capital (leverage) ratio | 9.1720% | 4,655 |
| Tier 1 risk-based capital ratio | 13.2983% | 4,966 |
| Total risk-based capital ratio | 14.5730% | 4,914 |
| Memoranda: | ||
| Average total assets | $212,650,000 | 2,944 |
| Average earning assets | $188,447,670 | 3,012 |
| Average equity | $23,302,330 | 2,824 |
| Average total loans | $131,166,000 | 2,910 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 2,824 |
| Cost of funding earning assets | 0.9359% | 2,400 |
| Net interest margin | 3.8204% | 3,288 |
| Noninterest income to average assets | 0.4362% | 4,404 |
| Noninterest expense to average assets | 2.9915% | 3,279 |
| Loan and lease loss provision to assets | 0.4641% | 1,326 |
| Net operating income to assets | 0.3672% | 5,397 |
| Return on assets (ROA) | 0.3672% | 5,578 |
| Pretax return on assets | 0.4045% | 5,709 |
| Return on Equity (ROE) | 3.4121% | 5,544 |
| Retained earnings to average equity (ytd only) | 3.4121% | 4,522 |
| Net charge-offs to loans | 0.7454% | 1,369 |
| Credit loss provision to net charge-offs | 101.6327% | 2,260 |
| Earnings coverage of net charge-offs (x) | 1.9020% | 3,384 |
| Efficiency ratio | 75.0362% | 2,935 |
| Assets per employee ($millions) | 4.7682% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3093% | 616 |
| Loan loss allowance to noncurrent loans | 111.4388% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 3.0017% | 1,928 |
| Noncurrent loans to loans | 2.9696% | 2,173 |
| Net loans and leases to total assets | 57.8794% | 4,055 |
| Net loans and leases to deposits | 75.0267% | 2,971 |
| Net loans and leases to core deposits | 84.2287% | 2,523 |
| Total domestic deposits to total assets | 77.1450% | 6,381 |
| Equity capital to assets | 10.5740% | 3,409 |
| Core capital (leverage) ratio | 8.6211% | 5,414 |
| Tier 1 risk-based capital ratio | 12.8422% | 5,335 |
| Total risk-based capital ratio | 14.1148% | 5,292 |
| Memoranda: | ||
| Average total assets | $214,604,500 | 2,949 |
| Average earning assets | $192,336,500 | 2,992 |
| Average equity | $23,094,500 | 2,845 |
| Average total loans | $131,472,000 | 2,918 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 2,680 |
| Cost of funding earning assets | 1.1153% | 2,571 |
| Net interest margin | 3.9302% | 3,209 |
| Noninterest income to average assets | 0.3888% | 4,715 |
| Noninterest expense to average assets | 2.5183% | 5,409 |
| Loan and lease loss provision to assets | 2.5277% | 174 |
| Net operating income to assets | -0.6091% | 6,557 |
| Return on assets (ROA) | -0.3911% | 6,462 |
| Pretax return on assets | -0.7973% | 6,643 |
| Return on Equity (ROE) | -3.7158% | 6,454 |
| Retained earnings to average equity (ytd only) | -3.7158% | 6,346 |
| Net charge-offs to loans | 3.4473% | 225 |
| Credit loss provision to net charge-offs | 122.3028% | 2,587 |
| Earnings coverage of net charge-offs (x) | 0.6725% | 5,314 |
| Efficiency ratio | 61.9801% | 5,463 |
| Assets per employee ($millions) | 4.2831% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2975% | 623 |
| Loan loss allowance to noncurrent loans | 107.1587% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 3.0733% | 1,950 |
| Noncurrent loans to loans | 3.0772% | 2,100 |
| Net loans and leases to total assets | 60.6595% | 3,853 |
| Net loans and leases to deposits | 81.5928% | 2,259 |
| Net loans and leases to core deposits | 89.4059% | 2,211 |
| Total domestic deposits to total assets | 74.3441% | 6,683 |
| Equity capital to assets | 10.9573% | 3,017 |
| Core capital (leverage) ratio | 8.7843% | 5,129 |
| Tier 1 risk-based capital ratio | 12.8780% | 5,172 |
| Total risk-based capital ratio | 14.1508% | 5,132 |
| Memoranda: | ||
| Average total assets | $213,474,000 | 2,907 |
| Average earning assets | $191,159,800 | 2,954 |
| Average equity | $22,471,600 | 2,840 |
| Average total loans | $127,982,400 | 3,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 2,761 |
| Cost of funding earning assets | 1.1536% | 2,615 |
| Net interest margin | 3.9141% | 3,312 |
| Noninterest income to average assets | 0.3738% | 4,878 |
| Noninterest expense to average assets | 2.5917% | 5,113 |
| Loan and lease loss provision to assets | 3.2012% | 96 |
| Net operating income to assets | -1.1253% | 6,931 |
| Return on assets (ROA) | -0.8359% | 6,850 |
| Pretax return on assets | -1.4597% | 7,008 |
| Return on Equity (ROE) | -8.0211% | 6,811 |
| Retained earnings to average equity (ytd only) | -8.0211% | 6,764 |
| Net charge-offs to loans | 4.6379% | 115 |
| Credit loss provision to net charge-offs | 116.4480% | 2,806 |
| Earnings coverage of net charge-offs (x) | 0.4690% | 5,273 |
| Efficiency ratio | 64.3109% | 5,012 |
| Assets per employee ($millions) | 4.6719% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2204% | 705 |
| Loan loss allowance to noncurrent loans | 71.0508% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 3.9633% | 1,543 |
| Noncurrent loans to loans | 4.5326% | 1,425 |
| Net loans and leases to total assets | 59.7048% | 4,187 |
| Net loans and leases to deposits | 81.5949% | 2,432 |
| Net loans and leases to core deposits | 87.7089% | 2,528 |
| Total domestic deposits to total assets | 73.1722% | 6,839 |
| Equity capital to assets | 10.9893% | 3,157 |
| Core capital (leverage) ratio | 8.7840% | 5,289 |
| Tier 1 risk-based capital ratio | 12.7120% | 5,319 |
| Total risk-based capital ratio | 13.9826% | 5,286 |
| Memoranda: | ||
| Average total assets | $214,375,000 | 2,906 |
| Average earning assets | $192,088,250 | 2,956 |
| Average equity | $22,340,500 | 2,854 |
| Average total loans | $127,066,250 | 3,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 3,057 |
| Cost of funding earning assets | 1.1834% | 2,688 |
| Net interest margin | 3.8375% | 3,603 |
| Noninterest income to average assets | 0.3534% | 5,061 |
| Noninterest expense to average assets | 2.5429% | 5,384 |
| Loan and lease loss provision to assets | 4.1397% | 71 |
| Net operating income to assets | -1.7167% | 7,143 |
| Return on assets (ROA) | -1.2885% | 7,040 |
| Pretax return on assets | -2.2070% | 7,204 |
| Return on Equity (ROE) | -12.5801% | 6,998 |
| Retained earnings to average equity (ytd only) | -12.5801% | 6,957 |
| Net charge-offs to loans | 2.8376% | 385 |
| Credit loss provision to net charge-offs | 249.3348% | 1,218 |
| Earnings coverage of net charge-offs (x) | 0.7611% | 4,732 |
| Efficiency ratio | 64.3375% | 5,175 |
| Assets per employee ($millions) | 4.5893% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5490% | 268 |
| Loan loss allowance to noncurrent loans | 81.4401% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 4.0899% | 1,568 |
| Noncurrent loans to loans | 5.5858% | 1,121 |
| Net loans and leases to total assets | 60.1430% | 4,245 |
| Net loans and leases to deposits | 80.8145% | 2,643 |
| Net loans and leases to core deposits | 88.3869% | 2,582 |
| Total domestic deposits to total assets | 74.4210% | 6,795 |
| Equity capital to assets | 10.4866% | 3,525 |
| Core capital (leverage) ratio | 8.1061% | 6,159 |
| Tier 1 risk-based capital ratio | 12.0773% | 5,725 |
| Total risk-based capital ratio | 13.3639% | 5,666 |
| Memoranda: | ||
| Average total assets | $217,312,330 | 2,883 |
| Average earning assets | $195,545,670 | 2,931 |
| Average equity | $22,257,330 | 2,847 |
| Average total loans | $127,150,000 | 3,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 3,154 |
| Cost of funding earning assets | 1.2400% | 2,569 |
| Net interest margin | 3.7484% | 3,844 |
| Noninterest income to average assets | 0.1488% | 6,660 |
| Noninterest expense to average assets | 2.5987% | 5,227 |
| Loan and lease loss provision to assets | 0.4519% | 1,955 |
| Net operating income to assets | 0.3793% | 5,032 |
| Return on assets (ROA) | 0.3793% | 5,115 |
| Pretax return on assets | 0.4664% | 5,134 |
| Return on Equity (ROE) | 3.7460% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7460% | 3,922 |
| Net charge-offs to loans | 0.3542% | 2,647 |
| Credit loss provision to net charge-offs | 226.3636% | 1,347 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,435 |
| Efficiency ratio | 71.2590% | 3,998 |
| Assets per employee ($millions) | 4.9377% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8550% | 1,052 |
| Loan loss allowance to noncurrent loans | 128.7187% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.8020% | 3,564 |
| Noncurrent loans to loans | 2.2180% | 3,299 |
| Net loans and leases to total assets | 53.5354% | 5,376 |
| Net loans and leases to deposits | 69.6778% | 4,398 |
| Net loans and leases to core deposits | 78.0108% | 4,016 |
| Total domestic deposits to total assets | 76.8327% | 6,561 |
| Equity capital to assets | 10.1892% | 3,551 |
| Core capital (leverage) ratio | 8.3623% | 5,697 |
| Tier 1 risk-based capital ratio | 12.6539% | 5,110 |
| Total risk-based capital ratio | 13.9179% | 5,074 |
| Memoranda: | ||
| Average total assets | $220,415,000 | 2,874 |
| Average earning assets | $198,060,000 | 2,911 |
| Average equity | $22,317,000 | 2,826 |
| Average total loans | $124,216,500 | 3,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 3,097 |
| Cost of funding earning assets | 1.5682% | 2,250 |
| Net interest margin | 3.7399% | 4,178 |
| Noninterest income to average assets | 0.3804% | 5,056 |
| Noninterest expense to average assets | 2.3883% | 6,115 |
| Loan and lease loss provision to assets | 0.8839% | 1,852 |
| Net operating income to assets | 0.3597% | 4,710 |
| Return on assets (ROA) | 0.3888% | 4,737 |
| Pretax return on assets | 0.4774% | 4,700 |
| Return on Equity (ROE) | 3.7489% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.7489% | 3,243 |
| Net charge-offs to loans | 0.6891% | 2,941 |
| Credit loss provision to net charge-offs | 224.6445% | 1,331 |
| Earnings coverage of net charge-offs (x) | 3.3685% | 3,398 |
| Efficiency ratio | 61.7374% | 5,774 |
| Assets per employee ($millions) | 4.7529% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6646% | 1,211 |
| Loan loss allowance to noncurrent loans | 123.4645% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 3,508 |
| Noncurrent loans to loans | 2.1582% | 3,359 |
| Net loans and leases to total assets | 56.0876% | 5,334 |
| Net loans and leases to deposits | 74.8112% | 4,061 |
| Net loans and leases to core deposits | 83.2441% | 3,715 |
| Total domestic deposits to total assets | 74.9722% | 6,775 |
| Equity capital to assets | 10.0598% | 3,673 |
| Core capital (leverage) ratio | 8.5050% | 5,352 |
| Tier 1 risk-based capital ratio | 12.5412% | 4,988 |
| Total risk-based capital ratio | 13.8045% | 4,962 |
| Memoranda: | ||
| Average total assets | $214,506,600 | 2,932 |
| Average earning assets | $191,179,800 | 2,983 |
| Average equity | $22,246,400 | 2,852 |
| Average total loans | $122,472,000 | 3,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3962% | 2,906 |
| Cost of funding earning assets | 1.6326% | 2,198 |
| Net interest margin | 3.7636% | 4,116 |
| Noninterest income to average assets | 0.4004% | 4,950 |
| Noninterest expense to average assets | 2.4895% | 5,747 |
| Loan and lease loss provision to assets | 0.8101% | 1,870 |
| Net operating income to assets | 0.3506% | 4,963 |
| Return on assets (ROA) | 0.3891% | 4,979 |
| Pretax return on assets | 0.4878% | 4,968 |
| Return on Equity (ROE) | 3.7233% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.7233% | 3,845 |
| Net charge-offs to loans | 0.7478% | 2,553 |
| Credit loss provision to net charge-offs | 190.1760% | 1,895 |
| Earnings coverage of net charge-offs (x) | 2.9340% | 3,666 |
| Efficiency ratio | 64.0053% | 5,233 |
| Assets per employee ($millions) | 4.7712% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4126% | 1,457 |
| Loan loss allowance to noncurrent loans | 73.2380% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.1411% | 3,279 |
| Noncurrent loans to loans | 3.2941% | 2,402 |
| Net loans and leases to total assets | 55.0118% | 5,698 |
| Net loans and leases to deposits | 72.8176% | 4,723 |
| Net loans and leases to core deposits | 81.6786% | 4,288 |
| Total domestic deposits to total assets | 75.5474% | 6,730 |
| Equity capital to assets | 10.5489% | 3,469 |
| Core capital (leverage) ratio | 8.6037% | 5,338 |
| Tier 1 risk-based capital ratio | 12.5472% | 4,940 |
| Total risk-based capital ratio | 13.8070% | 4,910 |
| Memoranda: | ||
| Average total assets | $213,475,000 | 2,998 |
| Average earning assets | $189,386,250 | 3,053 |
| Average equity | $22,309,500 | 2,889 |
| Average total loans | $121,594,250 | 3,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 3,078 |
| Cost of funding earning assets | 1.6815% | 2,215 |
| Net interest margin | 3.6939% | 4,392 |
| Noninterest income to average assets | 0.4815% | 4,272 |
| Noninterest expense to average assets | 2.4396% | 5,945 |
| Loan and lease loss provision to assets | 0.4675% | 2,980 |
| Net operating income to assets | 0.6421% | 3,662 |
| Return on assets (ROA) | 0.6421% | 3,814 |
| Pretax return on assets | 0.8739% | 3,602 |
| Return on Equity (ROE) | 6.1632% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.1632% | 2,244 |
| Net charge-offs to loans | 0.6471% | 2,602 |
| Credit loss provision to net charge-offs | 126.3959% | 3,191 |
| Earnings coverage of net charge-offs (x) | 3.6269% | 3,234 |
| Efficiency ratio | 61.9911% | 5,692 |
| Assets per employee ($millions) | 4.4024% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 2,302 |
| Loan loss allowance to noncurrent loans | 62.3286% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.1650% | 3,302 |
| Noncurrent loans to loans | 3.1295% | 2,566 |
| Net loans and leases to total assets | 57.3040% | 5,519 |
| Net loans and leases to deposits | 76.2525% | 4,284 |
| Net loans and leases to core deposits | 87.1021% | 3,675 |
| Total domestic deposits to total assets | 75.1504% | 6,838 |
| Equity capital to assets | 10.7550% | 3,118 |
| Core capital (leverage) ratio | 8.5841% | 5,262 |
| Tier 1 risk-based capital ratio | 12.4277% | 4,924 |
| Total risk-based capital ratio | 13.6833% | 4,898 |
| Memoranda: | ||
| Average total assets | $213,065,000 | 3,021 |
| Average earning assets | $190,311,330 | 3,056 |
| Average equity | $22,196,330 | 2,901 |
| Average total loans | $121,781,330 | 3,371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 3,411 |
| Cost of funding earning assets | 1.7128% | 2,325 |
| Net interest margin | 3.6144% | 4,661 |
| Noninterest income to average assets | 0.3683% | 5,194 |
| Noninterest expense to average assets | 2.5203% | 5,656 |
| Loan and lease loss provision to assets | 0.4656% | 2,640 |
| Net operating income to assets | 0.4880% | 4,457 |
| Return on assets (ROA) | 0.4880% | 4,591 |
| Pretax return on assets | 0.6376% | 4,461 |
| Return on Equity (ROE) | 4.7604% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.7604% | 3,291 |
| Net charge-offs to loans | 0.0165% | 5,350 |
| Credit loss provision to net charge-offs | 4,980.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 275 |
| Efficiency ratio | 66.9247% | 4,934 |
| Assets per employee ($millions) | 5.0649% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 1,802 |
| Loan loss allowance to noncurrent loans | 43.9104% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 3.1113% | 2,299 |
| Noncurrent loans to loans | 4.9572% | 1,466 |
| Net loans and leases to total assets | 52.5979% | 6,207 |
| Net loans and leases to deposits | 71.6422% | 5,103 |
| Net loans and leases to core deposits | 82.6411% | 4,398 |
| Total domestic deposits to total assets | 73.4175% | 7,119 |
| Equity capital to assets | 10.1322% | 3,698 |
| Core capital (leverage) ratio | 8.2976% | 5,746 |
| Tier 1 risk-based capital ratio | 12.2423% | 4,950 |
| Total risk-based capital ratio | 13.4987% | 4,917 |
| Memoranda: | ||
| Average total assets | $213,940,000 | 3,059 |
| Average earning assets | $192,671,500 | 3,090 |
| Average equity | $21,931,000 | 2,957 |
| Average total loans | $120,921,500 | 3,447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9025% | 2,222 |
| Cost of funding earning assets | 2.0958% | 2,481 |
| Net interest margin | 3.8067% | 3,676 |
| Noninterest income to average assets | -0.2647% | 7,889 |
| Noninterest expense to average assets | 2.5949% | 5,817 |
| Loan and lease loss provision to assets | 1.1690% | 1,963 |
| Net operating income to assets | -0.3712% | 6,048 |
| Return on assets (ROA) | -0.3564% | 6,027 |
| Pretax return on assets | -0.6437% | 6,135 |
| Return on Equity (ROE) | -3.4952% | 6,054 |
| Retained earnings to average equity (ytd only) | -3.4952% | 5,789 |
| Net charge-offs to loans | 1.3318% | 1,871 |
| Credit loss provision to net charge-offs | 139.7783% | 3,492 |
| Earnings coverage of net charge-offs (x) | 0.6004% | 5,506 |
| Efficiency ratio | 80.4623% | 2,812 |
| Assets per employee ($millions) | 4.6687% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,414 |
| Loan loss allowance to noncurrent loans | 55.8652% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.4390% | 2,854 |
| Noncurrent loans to loans | 3.3077% | 2,309 |
| Net loans and leases to total assets | 58.2779% | 5,612 |
| Net loans and leases to deposits | 81.6681% | 3,669 |
| Net loans and leases to core deposits | 101.3661% | 3,866 |
| Total domestic deposits to total assets | 71.3594% | 7,299 |
| Equity capital to assets | 10.3741% | 3,320 |
| Core capital (leverage) ratio | 8.4906% | 5,291 |
| Tier 1 risk-based capital ratio | 11.8078% | 5,107 |
| Total risk-based capital ratio | 13.0620% | 5,070 |
| Memoranda: | ||
| Average total assets | $194,186,600 | 3,243 |
| Average earning assets | $171,485,600 | 3,326 |
| Average equity | $19,798,600 | 3,234 |
| Average total loans | $121,942,800 | 3,442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0316% | 1,914 |
| Cost of funding earning assets | 2.1840% | 2,482 |
| Net interest margin | 3.8476% | 3,444 |
| Noninterest income to average assets | -0.4970% | 8,042 |
| Noninterest expense to average assets | 2.7415% | 5,142 |
| Loan and lease loss provision to assets | 1.2162% | 1,593 |
| Net operating income to assets | -0.6412% | 6,561 |
| Return on assets (ROA) | -0.6210% | 6,549 |
| Pretax return on assets | -1.0444% | 6,715 |
| Return on Equity (ROE) | -6.1209% | 6,570 |
| Retained earnings to average equity (ytd only) | -6.1209% | 6,403 |
| Net charge-offs to loans | 1.3548% | 1,520 |
| Credit loss provision to net charge-offs | 140.8279% | 3,487 |
| Earnings coverage of net charge-offs (x) | 0.1623% | 5,858 |
| Efficiency ratio | 91.4619% | 1,580 |
| Assets per employee ($millions) | 4.2004% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 2,398 |
| Loan loss allowance to noncurrent loans | 51.5375% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.4339% | 2,829 |
| Noncurrent loans to loans | 3.4246% | 2,190 |
| Net loans and leases to total assets | 60.9528% | 5,434 |
| Net loans and leases to deposits | 89.7204% | 2,631 |
| Net loans and leases to core deposits | 106.3736% | 3,661 |
| Total domestic deposits to total assets | 67.9364% | 7,580 |
| Equity capital to assets | 10.9751% | 3,033 |
| Core capital (leverage) ratio | 8.9549% | 4,717 |
| Tier 1 risk-based capital ratio | 11.9674% | 5,009 |
| Total risk-based capital ratio | 13.2212% | 4,939 |
| Memoranda: | ||
| Average total assets | $190,210,750 | 3,312 |
| Average earning assets | $167,026,000 | 3,425 |
| Average equity | $19,299,500 | 3,343 |
| Average total loans | $121,243,250 | 3,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 2,277 |
| Cost of funding earning assets | 2.2400% | 2,625 |
| Net interest margin | 3.7373% | 3,802 |
| Noninterest income to average assets | 0.4366% | 4,969 |
| Noninterest expense to average assets | 2.7560% | 5,149 |
| Loan and lease loss provision to assets | 0.6123% | 2,604 |
| Net operating income to assets | 0.2673% | 5,023 |
| Return on assets (ROA) | 0.3014% | 5,004 |
| Pretax return on assets | 0.4228% | 4,864 |
| Return on Equity (ROE) | 3.0578% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,613 |
| Net charge-offs to loans | 0.7565% | 2,170 |
| Credit loss provision to net charge-offs | 125.8206% | 3,694 |
| Earnings coverage of net charge-offs (x) | 2.0284% | 4,073 |
| Efficiency ratio | 70.7824% | 4,627 |
| Assets per employee ($millions) | 4.3698% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,438 |
| Loan loss allowance to noncurrent loans | 45.0558% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 3.0577% | 2,069 |
| Noncurrent loans to loans | 3.2303% | 2,205 |
| Net loans and leases to total assets | 62.5773% | 5,255 |
| Net loans and leases to deposits | 89.0743% | 2,980 |
| Net loans and leases to core deposits | 105.7332% | 3,864 |
| Total domestic deposits to total assets | 70.2529% | 7,443 |
| Equity capital to assets | 9.9911% | 3,950 |
| Core capital (leverage) ratio | 8.0712% | 6,214 |
| Tier 1 risk-based capital ratio | 11.0074% | 5,866 |
| Total risk-based capital ratio | 12.2581% | 5,797 |
| Memoranda: | ||
| Average total assets | $187,807,670 | 3,363 |
| Average earning assets | $166,161,670 | 3,457 |
| Average equity | $18,510,330 | 3,468 |
| Average total loans | $120,826,000 | 3,521 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 2,884 |
| Cost of funding earning assets | 2.2917% | 2,736 |
| Net interest margin | 3.5906% | 4,354 |
| Noninterest income to average assets | 0.4958% | 4,359 |
| Noninterest expense to average assets | 2.7396% | 4,828 |
| Loan and lease loss provision to assets | 0.4095% | 2,870 |
| Net operating income to assets | 0.3772% | 4,956 |
| Return on assets (ROA) | 0.3772% | 5,141 |
| Pretax return on assets | 0.5583% | 4,888 |
| Return on Equity (ROE) | 3.8545% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.8545% | 3,748 |
| Net charge-offs to loans | 0.6723% | 1,838 |
| Credit loss provision to net charge-offs | 94.0594% | 3,918 |
| Earnings coverage of net charge-offs (x) | 2.2228% | 3,629 |
| Efficiency ratio | 71.1628% | 4,332 |
| Assets per employee ($millions) | 4.6282% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 3,554 |
| Loan loss allowance to noncurrent loans | 78.3912% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.1696% | 2,645 |
| Noncurrent loans to loans | 1.7739% | 3,604 |
| Net loans and leases to total assets | 61.5498% | 5,412 |
| Net loans and leases to deposits | 87.4509% | 3,390 |
| Net loans and leases to core deposits | 102.0605% | 4,338 |
| Total domestic deposits to total assets | 70.3821% | 7,391 |
| Equity capital to assets | 10.1619% | 3,809 |
| Core capital (leverage) ratio | 8.0460% | 6,390 |
| Tier 1 risk-based capital ratio | 11.1495% | 5,760 |
| Total risk-based capital ratio | 12.3916% | 5,684 |
| Memoranda: | ||
| Average total assets | $185,576,000 | 3,417 |
| Average earning assets | $165,991,000 | 3,475 |
| Average equity | $18,160,500 | 3,549 |
| Average total loans | $120,191,500 | 3,553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6688% | 2,162 |
| Cost of funding earning assets | 2.7102% | 3,115 |
| Net interest margin | 3.9585% | 3,316 |
| Noninterest income to average assets | 0.1550% | 7,318 |
| Noninterest expense to average assets | 2.2903% | 6,733 |
| Loan and lease loss provision to assets | 0.5905% | 2,462 |
| Net operating income to assets | 0.5455% | 4,550 |
| Return on assets (ROA) | 0.6098% | 4,125 |
| Pretax return on assets | 0.9061% | 3,699 |
| Return on Equity (ROE) | 6.5124% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.6933% | 2,207 |
| Net charge-offs to loans | 0.8987% | 1,381 |
| Credit loss provision to net charge-offs | 95.2381% | 5,538 |
| Earnings coverage of net charge-offs (x) | 2.2592% | 4,950 |
| Efficiency ratio | 59.7447% | 6,395 |
| Assets per employee ($millions) | 4.5349% | 2,559 |
| Cash dividends to net income (ytd only)* | 27.9330% | 4,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 3,419 |
| Loan loss allowance to noncurrent loans | 131.7712% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 2,582 |
| Noncurrent loans to loans | 1.0325% | 4,520 |
| Net loans and leases to total assets | 66.3094% | 4,789 |
| Net loans and leases to deposits | 93.5799% | 2,839 |
| Net loans and leases to core deposits | 108.9560% | 3,866 |
| Total domestic deposits to total assets | 70.8586% | 7,177 |
| Equity capital to assets | 9.3928% | 4,829 |
| Core capital (leverage) ratio | 7.7272% | 6,885 |
| Tier 1 risk-based capital ratio | 9.7600% | 7,002 |
| Total risk-based capital ratio | 10.9949% | 6,930 |
| Memoranda: | ||
| Average total assets | $176,131,200 | 3,461 |
| Average earning assets | $157,330,600 | 3,522 |
| Average equity | $16,491,600 | 3,825 |
| Average total loans | $121,512,400 | 3,432 |