Home > United Savings Bank > Performance and Condition Ratios
United Savings 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 | 3.8316% | 4,145 |
| Cost of funding earning assets | 1.0843% | 3,105 |
| Net interest margin | 2.7472% | 3,755 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.6073% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8667% | 2,646 |
| Return on assets (ROA) | 0.8667% | 2,623 |
| Pretax return on assets | 1.0949% | 2,420 |
| Return on Equity (ROE) | 5.4600% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.4567% | 2,420 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.4821% | 3,139 |
| Assets per employee ($millions) | 10.6087% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 3,934 |
| Loan loss allowance to noncurrent loans | 679.3814% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,314 |
| Noncurrent loans to loans | 0.1199% | 2,919 |
| Net loans and leases to total assets | 36.0300% | 4,154 |
| Net loans and leases to deposits | 48.3119% | 3,985 |
| Net loans and leases to core deposits | 56.5585% | 3,892 |
| Total domestic deposits to total assets | 74.5800% | 4,065 |
| Equity capital to assets | 16.6368% | 411 |
| Core capital (leverage) ratio | 15.6822% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $454,485,800 | 1,840 |
| Average earning assets | $417,583,000 | 1,845 |
| Average equity | $72,186,000 | 1,217 |
| Average total loans | $163,866,200 | 2,567 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,192 |
| Cost of funding earning assets | 1.0003% | 3,040 |
| Net interest margin | 2.7196% | 3,858 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.5969% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8551% | 2,844 |
| Return on assets (ROA) | 0.8551% | 2,826 |
| Pretax return on assets | 1.0799% | 2,628 |
| Return on Equity (ROE) | 5.4500% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.4466% | 2,797 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.6575% | 3,004 |
| Assets per employee ($millions) | 11.3271% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 3,954 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.4300% | 4,200 |
| Net loans and leases to deposits | 47.9661% | 4,007 |
| Net loans and leases to core deposits | 56.1242% | 3,852 |
| Total domestic deposits to total assets | 73.8600% | 4,169 |
| Equity capital to assets | 16.1379% | 436 |
| Core capital (leverage) ratio | 15.3149% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $456,715,750 | 1,830 |
| Average earning assets | $420,253,000 | 1,836 |
| Average equity | $71,700,500 | 1,221 |
| Average total loans | $164,367,750 | 2,573 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,185 |
| Cost of funding earning assets | 0.8960% | 2,939 |
| Net interest margin | 2.7623% | 3,885 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.5762% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9001% | 2,753 |
| Return on assets (ROA) | 0.9001% | 2,742 |
| Pretax return on assets | 1.1417% | 2,532 |
| Return on Equity (ROE) | 5.7900% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.7871% | 2,700 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.9945% | 3,191 |
| Assets per employee ($millions) | 11.1420% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.5600% | 4,191 |
| Net loans and leases to deposits | 47.9730% | 3,992 |
| Net loans and leases to core deposits | 55.6874% | 3,824 |
| Total domestic deposits to total assets | 74.1300% | 4,186 |
| Equity capital to assets | 15.8157% | 462 |
| Core capital (leverage) ratio | 15.3610% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $457,926,667 | 1,834 |
| Average earning assets | $421,672,333 | 1,837 |
| Average equity | $71,228,000 | 1,222 |
| Average total loans | $165,210,000 | 2,556 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,156 |
| Cost of funding earning assets | 0.8065% | 2,709 |
| Net interest margin | 2.7925% | 3,953 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.5722% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9213% | 2,785 |
| Return on assets (ROA) | 0.9213% | 2,740 |
| Pretax return on assets | 1.1726% | 2,507 |
| Return on Equity (ROE) | 5.9700% | 3,718 |
| Retained earnings to average equity (ytd only) | 5.9731% | 2,769 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.2791% | 3,274 |
| Assets per employee ($millions) | 11.5798% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,094 |
| Loan loss allowance to noncurrent loans | 1,432.6087% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,603 |
| Noncurrent loans to loans | 0.0556% | 3,341 |
| Net loans and leases to total assets | 36.3500% | 4,177 |
| Net loans and leases to deposits | 48.1455% | 3,955 |
| Net loans and leases to core deposits | 55.7212% | 3,755 |
| Total domestic deposits to total assets | 75.5100% | 4,189 |
| Equity capital to assets | 15.7756% | 425 |
| Core capital (leverage) ratio | 14.8763% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $458,478,000 | 1,857 |
| Average earning assets | $422,567,500 | 1,857 |
| Average equity | $70,717,000 | 1,238 |
| Average total loans | $165,929,000 | 2,579 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 4,393 |
| Cost of funding earning assets | 0.4104% | 2,009 |
| Net interest margin | 2.3077% | 4,427 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.4811% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6493% | 3,760 |
| Return on assets (ROA) | 0.6493% | 3,710 |
| Pretax return on assets | 0.8459% | 3,496 |
| Return on Equity (ROE) | 4.3700% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.3694% | 3,277 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6474% | 2,544 |
| Assets per employee ($millions) | 11.6336% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 4,050 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.4700% | 4,237 |
| Net loans and leases to deposits | 46.1262% | 4,052 |
| Net loans and leases to core deposits | 52.3606% | 3,896 |
| Total domestic deposits to total assets | 76.8900% | 4,183 |
| Equity capital to assets | 15.0833% | 462 |
| Core capital (leverage) ratio | 14.3693% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $460,202,600 | 1,832 |
| Average earning assets | $425,224,400 | 1,835 |
| Average equity | $68,385,400 | 1,274 |
| Average total loans | $167,536,200 | 2,480 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4421% | 4,476 |
| Cost of funding earning assets | 0.3591% | 1,629 |
| Net interest margin | 2.0829% | 4,526 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.4559% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5160% | 4,040 |
| Return on assets (ROA) | 0.5160% | 3,984 |
| Pretax return on assets | 0.6714% | 3,853 |
| Return on Equity (ROE) | 3.4900% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.4856% | 3,629 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.4376% | 1,961 |
| Assets per employee ($millions) | 11.6284% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 4,108 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 35.4700% | 4,255 |
| Net loans and leases to deposits | 47.0014% | 3,991 |
| Net loans and leases to core deposits | 52.8951% | 3,814 |
| Total domestic deposits to total assets | 75.4700% | 4,391 |
| Equity capital to assets | 14.8294% | 468 |
| Core capital (leverage) ratio | 14.0729% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $458,917,750 | 1,843 |
| Average earning assets | $424,332,000 | 1,845 |
| Average equity | $67,934,500 | 1,294 |
| Average total loans | $167,831,000 | 2,472 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1961% | 4,569 |
| Cost of funding earning assets | 0.3382% | 1,380 |
| Net interest margin | 1.8579% | 4,611 |
| Noninterest income to average assets | 0.2136% | 3,925 |
| Noninterest expense to average assets | 1.4443% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3769% | 4,152 |
| Return on assets (ROA) | 0.3769% | 4,108 |
| Pretax return on assets | 0.4864% | 4,021 |
| Return on Equity (ROE) | 2.5478% | 4,285 |
| Retained earnings to average equity (ytd only) | 2.5478% | 3,605 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8073% | 1,413 |
| Assets per employee ($millions) | 11.6365% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.8718% | 4,254 |
| Net loans and leases to deposits | 47.3464% | 3,962 |
| Net loans and leases to core deposits | 52.7618% | 3,770 |
| Total domestic deposits to total assets | 75.7646% | 4,472 |
| Equity capital to assets | 14.6225% | 449 |
| Core capital (leverage) ratio | 14.0296% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $456,845,000 | 1,854 |
| Average earning assets | $422,200,000 | 1,873 |
| Average equity | $67,587,000 | 1,320 |
| Average total loans | $168,338,667 | 2,480 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0414% | 4,607 |
| Cost of funding earning assets | 0.3310% | 1,369 |
| Net interest margin | 1.7104% | 4,643 |
| Noninterest income to average assets | 0.2351% | 3,734 |
| Noninterest expense to average assets | 1.4850% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2616% | 4,221 |
| Return on assets (ROA) | 0.2616% | 4,191 |
| Pretax return on assets | 0.3306% | 4,143 |
| Return on Equity (ROE) | 1.7580% | 4,296 |
| Retained earnings to average equity (ytd only) | 1.7580% | 3,613 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7916% | 997 |
| Assets per employee ($millions) | 11.6445% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,262 |
| Loan loss allowance to noncurrent loans | 5,272.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,033 |
| Noncurrent loans to loans | 0.0150% | 3,902 |
| Net loans and leases to total assets | 35.5528% | 4,237 |
| Net loans and leases to deposits | 46.2397% | 3,963 |
| Net loans and leases to core deposits | 50.4036% | 3,851 |
| Total domestic deposits to total assets | 76.8879% | 4,467 |
| Equity capital to assets | 14.4915% | 450 |
| Core capital (leverage) ratio | 14.3328% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,537,500 | 1,873 |
| Average earning assets | $418,145,500 | 1,893 |
| Average equity | $67,349,500 | 1,368 |
| Average total loans | $168,364,500 | 2,469 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1512% | 4,636 |
| Cost of funding earning assets | 0.3631% | 1,822 |
| Net interest margin | 1.7880% | 4,670 |
| Noninterest income to average assets | 0.3179% | 3,509 |
| Noninterest expense to average assets | 1.5117% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3505% | 4,345 |
| Return on assets (ROA) | 0.3505% | 4,372 |
| Pretax return on assets | 0.4521% | 4,327 |
| Return on Equity (ROE) | 2.2505% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.2505% | 3,906 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9772% | 1,027 |
| Assets per employee ($millions) | 10.2162% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 4,304 |
| Loan loss allowance to noncurrent loans | 5,272.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,115 |
| Noncurrent loans to loans | 0.0147% | 3,983 |
| Net loans and leases to total assets | 38.3558% | 4,172 |
| Net loans and leases to deposits | 50.5648% | 3,848 |
| Net loans and leases to core deposits | 55.6190% | 3,650 |
| Total domestic deposits to total assets | 75.8548% | 4,517 |
| Equity capital to assets | 15.2974% | 457 |
| Core capital (leverage) ratio | 14.6089% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,865,800 | 1,905 |
| Average earning assets | $392,951,200 | 1,929 |
| Average equity | $66,475,000 | 1,405 |
| Average total loans | $170,641,400 | 2,459 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1779% | 4,720 |
| Cost of funding earning assets | 0.3722% | 1,917 |
| Net interest margin | 1.8057% | 4,744 |
| Noninterest income to average assets | 0.3426% | 3,398 |
| Noninterest expense to average assets | 1.5317% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3666% | 4,425 |
| Return on assets (ROA) | 0.3666% | 4,454 |
| Pretax return on assets | 0.4732% | 4,398 |
| Return on Equity (ROE) | 2.3431% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.3431% | 4,097 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3967% | 1,013 |
| Assets per employee ($millions) | 9.6341% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 4,385 |
| Loan loss allowance to noncurrent loans | 5,069.2308% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,216 |
| Noncurrent loans to loans | 0.0154% | 4,089 |
| Net loans and leases to total assets | 38.7155% | 4,267 |
| Net loans and leases to deposits | 52.3676% | 3,853 |
| Net loans and leases to core deposits | 57.9291% | 3,635 |
| Total domestic deposits to total assets | 73.9303% | 4,641 |
| Equity capital to assets | 15.4244% | 478 |
| Core capital (leverage) ratio | 14.6697% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,758,000 | 1,935 |
| Average earning assets | $390,084,500 | 1,955 |
| Average equity | $66,293,500 | 1,423 |
| Average total loans | $170,848,250 | 2,494 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2137% | 4,757 |
| Cost of funding earning assets | 0.3813% | 2,041 |
| Net interest margin | 1.8324% | 4,774 |
| Noninterest income to average assets | 0.3329% | 3,432 |
| Noninterest expense to average assets | 1.5439% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3691% | 4,438 |
| Return on assets (ROA) | 0.3691% | 4,475 |
| Pretax return on assets | 0.4737% | 4,424 |
| Return on Equity (ROE) | 2.3479% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.3479% | 4,037 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5205% | 1,032 |
| Assets per employee ($millions) | 9.4071% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 4,421 |
| Loan loss allowance to noncurrent loans | 5,272.0000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 4,275 |
| Noncurrent loans to loans | 0.0146% | 4,163 |
| Net loans and leases to total assets | 39.3599% | 4,312 |
| Net loans and leases to deposits | 53.6566% | 3,882 |
| Net loans and leases to core deposits | 59.4200% | 3,664 |
| Total domestic deposits to total assets | 73.3553% | 4,676 |
| Equity capital to assets | 15.3633% | 480 |
| Core capital (leverage) ratio | 14.9959% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $420,499,333 | 1,939 |
| Average earning assets | $386,596,333 | 1,959 |
| Average equity | $66,101,333 | 1,415 |
| Average total loans | $171,410,000 | 2,499 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2750% | 4,766 |
| Cost of funding earning assets | 0.4035% | 2,066 |
| Net interest margin | 1.8715% | 4,786 |
| Noninterest income to average assets | 0.3880% | 3,161 |
| Noninterest expense to average assets | 1.5947% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3987% | 4,361 |
| Return on assets (ROA) | 0.3987% | 4,387 |
| Pretax return on assets | 0.5126% | 4,322 |
| Return on Equity (ROE) | 2.5064% | 4,551 |
| Retained earnings to average equity (ytd only) | 2.5064% | 3,915 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6757% | 1,165 |
| Assets per employee ($millions) | 9.2803% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 4,449 |
| Loan loss allowance to noncurrent loans | 5,272.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,353 |
| Noncurrent loans to loans | 0.0147% | 4,229 |
| Net loans and leases to total assets | 40.5322% | 4,315 |
| Net loans and leases to deposits | 55.2378% | 3,846 |
| Net loans and leases to core deposits | 61.3752% | 3,619 |
| Total domestic deposits to total assets | 73.3776% | 4,694 |
| Equity capital to assets | 15.8323% | 406 |
| Core capital (leverage) ratio | 15.4007% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,385,500 | 1,946 |
| Average earning assets | $380,656,500 | 1,971 |
| Average equity | $65,911,500 | 1,412 |
| Average total loans | $171,295,500 | 2,505 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7472% | 4,778 |
| Cost of funding earning assets | 0.5774% | 2,467 |
| Net interest margin | 2.1698% | 4,773 |
| Noninterest income to average assets | 0.3551% | 3,343 |
| Noninterest expense to average assets | 1.6572% | 4,656 |
| Loan and lease loss provision to assets | 0.0128% | 4,210 |
| Net operating income to assets | 0.5175% | 3,991 |
| Return on assets (ROA) | 0.5175% | 4,076 |
| Pretax return on assets | 0.6712% | 3,940 |
| Return on Equity (ROE) | 3.1206% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.1206% | 3,278 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7845% | 1,836 |
| Assets per employee ($millions) | 8.3910% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,486 |
| Loan loss allowance to noncurrent loans | 5,272.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,421 |
| Noncurrent loans to loans | 0.0145% | 4,312 |
| Net loans and leases to total assets | 41.5138% | 4,378 |
| Net loans and leases to deposits | 56.6006% | 3,961 |
| Net loans and leases to core deposits | 63.5819% | 3,722 |
| Total domestic deposits to total assets | 73.3452% | 4,663 |
| Equity capital to assets | 15.9805% | 428 |
| Core capital (leverage) ratio | 15.1709% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,364,000 | 1,890 |
| Average earning assets | $357,314,400 | 1,906 |
| Average equity | $64,731,000 | 1,376 |
| Average total loans | $174,999,200 | 2,446 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 4,807 |
| Cost of funding earning assets | 0.6121% | 2,534 |
| Net interest margin | 2.2548% | 4,795 |
| Noninterest income to average assets | 0.2845% | 3,782 |
| Noninterest expense to average assets | 1.6363% | 4,697 |
| Loan and lease loss provision to assets | 0.0174% | 4,114 |
| Net operating income to assets | 0.5352% | 3,947 |
| Return on assets (ROA) | 0.5352% | 4,035 |
| Pretax return on assets | 0.6930% | 3,919 |
| Return on Equity (ROE) | 3.1964% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.1964% | 3,434 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7300% | 1,917 |
| Assets per employee ($millions) | 8.8003% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 4,524 |
| Loan loss allowance to noncurrent loans | 5,272.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,489 |
| Noncurrent loans to loans | 0.0138% | 4,390 |
| Net loans and leases to total assets | 43.4095% | 4,440 |
| Net loans and leases to deposits | 59.5283% | 4,091 |
| Net loans and leases to core deposits | 66.4753% | 3,865 |
| Total domestic deposits to total assets | 72.9224% | 4,641 |
| Equity capital to assets | 15.7711% | 498 |
| Core capital (leverage) ratio | 15.2522% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,165,750 | 1,892 |
| Average earning assets | $352,246,500 | 1,912 |
| Average equity | $64,487,500 | 1,364 |
| Average total loans | $175,747,750 | 2,440 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0442% | 4,820 |
| Cost of funding earning assets | 0.6570% | 2,648 |
| Net interest margin | 2.3872% | 4,799 |
| Noninterest income to average assets | 0.2864% | 3,747 |
| Noninterest expense to average assets | 1.6855% | 4,696 |
| Loan and lease loss provision to assets | 0.0266% | 3,921 |
| Net operating income to assets | 0.5819% | 3,797 |
| Return on assets (ROA) | 0.5819% | 3,880 |
| Pretax return on assets | 0.7522% | 3,733 |
| Return on Equity (ROE) | 3.4029% | 4,260 |
| Retained earnings to average equity (ytd only) | 3.4029% | 3,226 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3949% | 2,187 |
| Assets per employee ($millions) | 8.6272% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 44.1973% | 4,443 |
| Net loans and leases to deposits | 61.3292% | 4,049 |
| Net loans and leases to core deposits | 68.1573% | 3,854 |
| Total domestic deposits to total assets | 72.0657% | 4,703 |
| Equity capital to assets | 15.9758% | 475 |
| Core capital (leverage) ratio | 16.0385% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,683,667 | 1,904 |
| Average earning assets | $342,749,000 | 1,932 |
| Average equity | $64,239,667 | 1,362 |
| Average total loans | $174,042,000 | 2,439 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 4,746 |
| Cost of funding earning assets | 0.7333% | 2,768 |
| Net interest margin | 2.6538% | 4,712 |
| Noninterest income to average assets | 0.2483% | 4,063 |
| Noninterest expense to average assets | 1.7872% | 4,682 |
| Loan and lease loss provision to assets | 0.0554% | 3,072 |
| Net operating income to assets | 0.6331% | 3,503 |
| Return on assets (ROA) | 0.6331% | 3,564 |
| Pretax return on assets | 0.8171% | 3,369 |
| Return on Equity (ROE) | 3.5704% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.5704% | 2,863 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1947% | 2,791 |
| Assets per employee ($millions) | 7.9291% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 47.1089% | 4,381 |
| Net loans and leases to deposits | 65.3784% | 3,904 |
| Net loans and leases to core deposits | 73.7424% | 3,652 |
| Total domestic deposits to total assets | 72.0557% | 4,766 |
| Equity capital to assets | 17.6169% | 385 |
| Core capital (leverage) ratio | 17.1790% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,787,000 | 1,920 |
| Average earning assets | $327,832,500 | 1,941 |
| Average equity | $63,970,500 | 1,362 |
| Average total loans | $170,799,000 | 2,443 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 4,785 |
| Cost of funding earning assets | 0.7351% | 2,996 |
| Net interest margin | 2.8573% | 4,704 |
| Noninterest income to average assets | 0.3064% | 3,854 |
| Noninterest expense to average assets | 1.8073% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8303% | 3,456 |
| Return on assets (ROA) | 0.8303% | 3,549 |
| Pretax return on assets | 1.1021% | 3,157 |
| Return on Equity (ROE) | 4.7701% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.7701% | 2,550 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1200% | 3,359 |
| Assets per employee ($millions) | 7.2823% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 4,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 46.8529% | 4,488 |
| Net loans and leases to deposits | 64.1089% | 4,068 |
| Net loans and leases to core deposits | 72.1097% | 3,852 |
| Total domestic deposits to total assets | 73.0833% | 4,823 |
| Equity capital to assets | 17.8472% | 382 |
| Core capital (leverage) ratio | 16.8303% | 433 |
| Tier 1 risk-based capital ratio | 35.2164% | 325 |
| Total risk-based capital ratio | 35.9402% | 331 |
| Memoranda: | ||
| Average total assets | $357,323,600 | 1,885 |
| Average earning assets | $325,512,800 | 1,900 |
| Average equity | $62,199,400 | 1,347 |
| Average total loans | $161,395,600 | 2,497 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,854 |
| Cost of funding earning assets | 0.7287% | 3,075 |
| Net interest margin | 2.9021% | 4,754 |
| Noninterest income to average assets | 0.2936% | 3,982 |
| Noninterest expense to average assets | 1.8151% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8449% | 3,531 |
| Return on assets (ROA) | 0.8449% | 3,617 |
| Pretax return on assets | 1.1257% | 3,218 |
| Return on Equity (ROE) | 4.8844% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.8844% | 2,944 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7199% | 3,370 |
| Assets per employee ($millions) | 8.0573% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 4,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 42.9333% | 4,725 |
| Net loans and leases to deposits | 58.7582% | 4,443 |
| Net loans and leases to core deposits | 65.2870% | 4,313 |
| Total domestic deposits to total assets | 73.0678% | 4,862 |
| Equity capital to assets | 16.9933% | 486 |
| Core capital (leverage) ratio | 16.6463% | 483 |
| Tier 1 risk-based capital ratio | 36.2514% | 315 |
| Total risk-based capital ratio | 37.0047% | 323 |
| Memoranda: | ||
| Average total assets | $357,446,000 | 1,898 |
| Average earning assets | $326,053,250 | 1,910 |
| Average equity | $61,828,000 | 1,352 |
| Average total loans | $159,630,750 | 2,540 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 4,887 |
| Cost of funding earning assets | 0.7223% | 3,031 |
| Net interest margin | 2.9234% | 4,797 |
| Noninterest income to average assets | 0.2929% | 3,980 |
| Noninterest expense to average assets | 1.8479% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8322% | 3,534 |
| Return on assets (ROA) | 0.8322% | 3,597 |
| Pretax return on assets | 1.1092% | 3,208 |
| Return on Equity (ROE) | 4.7817% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.7817% | 2,875 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4904% | 3,352 |
| Assets per employee ($millions) | 7.4890% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 4,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 44.4786% | 4,702 |
| Net loans and leases to deposits | 61.4530% | 4,355 |
| Net loans and leases to core deposits | 68.0741% | 4,197 |
| Total domestic deposits to total assets | 72.3783% | 4,953 |
| Equity capital to assets | 17.2994% | 438 |
| Core capital (leverage) ratio | 16.8846% | 445 |
| Tier 1 risk-based capital ratio | 37.6051% | 281 |
| Total risk-based capital ratio | 38.3964% | 286 |
| Memoranda: | ||
| Average total assets | $353,049,670 | 1,921 |
| Average earning assets | $321,752,000 | 1,940 |
| Average equity | $61,443,000 | 1,353 |
| Average total loans | $159,376,330 | 2,542 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,856 |
| Cost of funding earning assets | 0.7131% | 2,988 |
| Net interest margin | 2.9794% | 4,783 |
| Noninterest income to average assets | 0.2756% | 4,036 |
| Noninterest expense to average assets | 1.9117% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8072% | 3,594 |
| Return on assets (ROA) | 0.8072% | 3,633 |
| Pretax return on assets | 1.0725% | 3,230 |
| Return on Equity (ROE) | 4.6241% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.6241% | 3,071 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0613% | 3,230 |
| Assets per employee ($millions) | 7.4945% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 4,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 44.7140% | 4,714 |
| Net loans and leases to deposits | 61.4671% | 4,335 |
| Net loans and leases to core deposits | 68.2779% | 4,165 |
| Total domestic deposits to total assets | 72.7447% | 5,012 |
| Equity capital to assets | 17.4380% | 399 |
| Core capital (leverage) ratio | 16.9212% | 430 |
| Tier 1 risk-based capital ratio | 36.6633% | 288 |
| Total risk-based capital ratio | 37.4443% | 291 |
| Memoranda: | ||
| Average total assets | $349,837,500 | 1,949 |
| Average earning assets | $318,049,000 | 1,967 |
| Average equity | $61,071,000 | 1,351 |
| Average total loans | $158,486,000 | 2,578 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 5,145 |
| Cost of funding earning assets | 0.5799% | 2,854 |
| Net interest margin | 2.6293% | 5,142 |
| Noninterest income to average assets | 0.2774% | 4,247 |
| Noninterest expense to average assets | 1.7347% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7047% | 4,129 |
| Return on assets (ROA) | 0.7047% | 4,132 |
| Pretax return on assets | 0.9404% | 3,785 |
| Return on Equity (ROE) | 4.1482% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.1482% | 3,277 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8455% | 3,055 |
| Assets per employee ($millions) | 7.2382% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,529 |
| 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 | 45.1697% | 4,773 |
| Net loans and leases to deposits | 61.1392% | 4,423 |
| Net loans and leases to core deposits | 67.6857% | 4,251 |
| Total domestic deposits to total assets | 73.8801% | 4,956 |
| Equity capital to assets | 17.4762% | 379 |
| Core capital (leverage) ratio | 16.5096% | 457 |
| Tier 1 risk-based capital ratio | 36.8801% | 281 |
| Total risk-based capital ratio | 37.6741% | 285 |
| Memoranda: | ||
| Average total assets | $349,630,400 | 1,920 |
| Average earning assets | $318,828,000 | 1,934 |
| Average equity | $59,399,800 | 1,334 |
| Average total loans | $155,553,000 | 2,574 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1073% | 5,242 |
| Cost of funding earning assets | 0.5572% | 2,810 |
| Net interest margin | 2.5502% | 5,252 |
| Noninterest income to average assets | 0.2722% | 4,333 |
| Noninterest expense to average assets | 1.7255% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6591% | 4,340 |
| Return on assets (ROA) | 0.6591% | 4,356 |
| Pretax return on assets | 0.8750% | 4,101 |
| Return on Equity (ROE) | 3.9071% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.9071% | 3,818 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3543% | 2,803 |
| Assets per employee ($millions) | 7.4288% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,610 |
| Loan loss allowance to noncurrent loans | 9,753.8462% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,016 |
| Noncurrent loans to loans | 0.0082% | 4,898 |
| Net loans and leases to total assets | 43.9275% | 4,881 |
| Net loans and leases to deposits | 60.0675% | 4,545 |
| Net loans and leases to core deposits | 64.5544% | 4,487 |
| Total domestic deposits to total assets | 73.1302% | 5,049 |
| Equity capital to assets | 16.8222% | 432 |
| Core capital (leverage) ratio | 16.2654% | 483 |
| Tier 1 risk-based capital ratio | 37.3562% | 266 |
| Total risk-based capital ratio | 38.1702% | 271 |
| Memoranda: | ||
| Average total assets | $350,180,000 | 1,935 |
| Average earning assets | $319,710,500 | 1,938 |
| Average equity | $59,070,250 | 1,341 |
| Average total loans | $154,890,750 | 2,598 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9988% | 5,337 |
| Cost of funding earning assets | 0.5374% | 2,716 |
| Net interest margin | 2.4614% | 5,359 |
| Noninterest income to average assets | 0.2684% | 4,391 |
| Noninterest expense to average assets | 1.7124% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6051% | 4,480 |
| Return on assets (ROA) | 0.6051% | 4,484 |
| Pretax return on assets | 0.8010% | 4,240 |
| Return on Equity (ROE) | 3.5837% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.5837% | 3,807 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1299% | 2,622 |
| Assets per employee ($millions) | 7.2661% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 4,665 |
| Loan loss allowance to noncurrent loans | 7,044.4444% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,028 |
| Noncurrent loans to loans | 0.0115% | 4,900 |
| Net loans and leases to total assets | 43.7310% | 4,919 |
| Net loans and leases to deposits | 59.6080% | 4,554 |
| Net loans and leases to core deposits | 63.9253% | 4,493 |
| Total domestic deposits to total assets | 73.3644% | 5,095 |
| Equity capital to assets | 16.6575% | 434 |
| Core capital (leverage) ratio | 16.5319% | 442 |
| Tier 1 risk-based capital ratio | 36.3839% | 294 |
| Total risk-based capital ratio | 37.1860% | 300 |
| Memoranda: | ||
| Average total assets | $348,045,670 | 1,947 |
| Average earning assets | $317,462,330 | 1,953 |
| Average equity | $58,765,330 | 1,350 |
| Average total loans | $153,885,670 | 2,623 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9540% | 5,395 |
| Cost of funding earning assets | 0.5232% | 2,605 |
| Net interest margin | 2.4308% | 5,430 |
| Noninterest income to average assets | 0.2732% | 4,346 |
| Noninterest expense to average assets | 1.7497% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5592% | 4,545 |
| Return on assets (ROA) | 0.5592% | 4,547 |
| Pretax return on assets | 0.7383% | 4,330 |
| Return on Equity (ROE) | 3.2892% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.2892% | 3,890 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3271% | 2,435 |
| Assets per employee ($millions) | 7.3717% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,738 |
| Loan loss allowance to noncurrent loans | 5,763.6364% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,100 |
| Noncurrent loans to loans | 0.0142% | 4,931 |
| Net loans and leases to total assets | 44.4006% | 4,879 |
| Net loans and leases to deposits | 60.1697% | 4,458 |
| Net loans and leases to core deposits | 64.5014% | 4,395 |
| Total domestic deposits to total assets | 73.7924% | 5,176 |
| Equity capital to assets | 16.9525% | 403 |
| Core capital (leverage) ratio | 16.7586% | 408 |
| Tier 1 risk-based capital ratio | 36.5988% | 288 |
| Total risk-based capital ratio | 37.4133% | 294 |
| Memoranda: | ||
| Average total assets | $344,049,500 | 1,970 |
| Average earning assets | $313,477,000 | 1,984 |
| Average equity | $58,494,500 | 1,361 |
| Average total loans | $152,345,000 | 2,657 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7686% | 5,471 |
| Cost of funding earning assets | 0.4659% | 2,636 |
| Net interest margin | 2.3027% | 5,501 |
| Noninterest income to average assets | 0.2677% | 4,519 |
| Noninterest expense to average assets | 1.6859% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1516% | 5,196 |
| Return on assets (ROA) | 0.1516% | 5,202 |
| Pretax return on assets | 0.6763% | 4,568 |
| Return on Equity (ROE) | 0.8921% | 5,246 |
| Retained earnings to average equity (ytd only) | 0.8921% | 4,672 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3704% | 2,324 |
| Assets per employee ($millions) | 7.2687% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 4,676 |
| Loan loss allowance to noncurrent loans | 4,876.9231% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,141 |
| Noncurrent loans to loans | 0.0174% | 4,946 |
| Net loans and leases to total assets | 43.4153% | 5,006 |
| Net loans and leases to deposits | 58.3921% | 4,669 |
| Net loans and leases to core deposits | 62.3825% | 4,637 |
| Total domestic deposits to total assets | 74.3513% | 5,150 |
| Equity capital to assets | 17.0517% | 395 |
| Core capital (leverage) ratio | 16.0485% | 472 |
| Tier 1 risk-based capital ratio | 36.6605% | 283 |
| Total risk-based capital ratio | 37.4854% | 287 |
| Memoranda: | ||
| Average total assets | $342,901,800 | 1,950 |
| Average earning assets | $311,891,600 | 1,978 |
| Average equity | $58,290,600 | 1,348 |
| Average total loans | $147,296,200 | 2,684 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7480% | 5,539 |
| Cost of funding earning assets | 0.4593% | 2,624 |
| Net interest margin | 2.2887% | 5,573 |
| Noninterest income to average assets | 0.2653% | 4,613 |
| Noninterest expense to average assets | 1.6619% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4592% | 4,853 |
| Return on assets (ROA) | 0.4592% | 4,884 |
| Pretax return on assets | 0.6845% | 4,645 |
| Return on Equity (ROE) | 2.7032% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.7032% | 4,279 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8278% | 2,393 |
| Assets per employee ($millions) | 7.4408% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,694 |
| Loan loss allowance to noncurrent loans | 4,090.3226% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,223 |
| Noncurrent loans to loans | 0.0212% | 5,032 |
| Net loans and leases to total assets | 41.3586% | 5,141 |
| Net loans and leases to deposits | 56.9546% | 4,816 |
| Net loans and leases to core deposits | 60.8814% | 4,774 |
| Total domestic deposits to total assets | 72.6169% | 5,343 |
| Equity capital to assets | 16.8467% | 449 |
| Core capital (leverage) ratio | 15.6401% | 551 |
| Tier 1 risk-based capital ratio | 35.6745% | 314 |
| Total risk-based capital ratio | 36.5054% | 315 |
| Memoranda: | ||
| Average total assets | $343,219,500 | 1,959 |
| Average earning assets | $312,074,250 | 1,992 |
| Average equity | $58,299,750 | 1,358 |
| Average total loans | $146,723,250 | 2,705 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7194% | 5,591 |
| Cost of funding earning assets | 0.4559% | 2,547 |
| Net interest margin | 2.2635% | 5,627 |
| Noninterest income to average assets | 0.2522% | 4,730 |
| Noninterest expense to average assets | 1.6701% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4351% | 4,882 |
| Return on assets (ROA) | 0.4351% | 4,908 |
| Pretax return on assets | 0.6404% | 4,718 |
| Return on Equity (ROE) | 2.5545% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,160 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2843% | 2,290 |
| Assets per employee ($millions) | 7.3333% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,771 |
| Loan loss allowance to noncurrent loans | 3,622.8571% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,256 |
| Noncurrent loans to loans | 0.0239% | 5,066 |
| Net loans and leases to total assets | 42.1532% | 5,135 |
| Net loans and leases to deposits | 57.8689% | 4,756 |
| Net loans and leases to core deposits | 61.6390% | 4,737 |
| Total domestic deposits to total assets | 72.8425% | 5,400 |
| Equity capital to assets | 16.9659% | 409 |
| Core capital (leverage) ratio | 15.8754% | 492 |
| Tier 1 risk-based capital ratio | 35.9741% | 284 |
| Total risk-based capital ratio | 36.8122% | 286 |
| Memoranda: | ||
| Average total assets | $341,053,000 | 1,976 |
| Average earning assets | $310,138,670 | 2,003 |
| Average equity | $58,094,330 | 1,360 |
| Average total loans | $146,995,330 | 2,706 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7005% | 5,645 |
| Cost of funding earning assets | 0.4551% | 2,482 |
| Net interest margin | 2.2454% | 5,681 |
| Noninterest income to average assets | 0.2511% | 4,737 |
| Noninterest expense to average assets | 1.7156% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3997% | 4,940 |
| Return on assets (ROA) | 0.3997% | 4,966 |
| Pretax return on assets | 0.5778% | 4,782 |
| Return on Equity (ROE) | 2.3418% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.3418% | 4,203 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8072% | 2,094 |
| Assets per employee ($millions) | 6.9352% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 4,891 |
| Loan loss allowance to noncurrent loans | 3,251.2821% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 5,311 |
| Noncurrent loans to loans | 0.0265% | 5,113 |
| Net loans and leases to total assets | 42.9136% | 5,109 |
| Net loans and leases to deposits | 58.0820% | 4,691 |
| Net loans and leases to core deposits | 61.9424% | 4,664 |
| Total domestic deposits to total assets | 73.8845% | 5,422 |
| Equity capital to assets | 17.0891% | 379 |
| Core capital (leverage) ratio | 16.1217% | 449 |
| Tier 1 risk-based capital ratio | 35.8717% | 305 |
| Total risk-based capital ratio | 36.7096% | 309 |
| Memoranda: | ||
| Average total assets | $339,246,000 | 1,994 |
| Average earning assets | $308,537,000 | 2,032 |
| Average equity | $57,903,500 | 1,355 |
| Average total loans | $147,215,000 | 2,729 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6749% | 5,697 |
| Cost of funding earning assets | 0.4638% | 2,410 |
| Net interest margin | 2.2111% | 5,746 |
| Noninterest income to average assets | 0.3142% | 4,487 |
| Noninterest expense to average assets | 1.6739% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4523% | 4,791 |
| Return on assets (ROA) | 0.4523% | 4,870 |
| Pretax return on assets | 0.6404% | 4,678 |
| Return on Equity (ROE) | 2.7155% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.7155% | 3,972 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3297% | 2,541 |
| Assets per employee ($millions) | 6.9116% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,923 |
| Loan loss allowance to noncurrent loans | 2,948.8372% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,350 |
| Noncurrent loans to loans | 0.0292% | 5,150 |
| Net loans and leases to total assets | 43.1288% | 5,166 |
| Net loans and leases to deposits | 57.2956% | 4,838 |
| Net loans and leases to core deposits | 60.9553% | 4,807 |
| Total domestic deposits to total assets | 75.2742% | 5,320 |
| Equity capital to assets | 17.0474% | 384 |
| Core capital (leverage) ratio | 15.8046% | 486 |
| Tier 1 risk-based capital ratio | 35.7400% | 300 |
| Total risk-based capital ratio | 36.5784% | 306 |
| Memoranda: | ||
| Average total assets | $341,839,000 | 1,942 |
| Average earning assets | $309,206,400 | 1,981 |
| Average equity | $56,933,200 | 1,349 |
| Average total loans | $147,510,400 | 2,674 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6650% | 5,773 |
| Cost of funding earning assets | 0.4705% | 2,361 |
| Net interest margin | 2.1945% | 5,819 |
| Noninterest income to average assets | 0.2973% | 4,638 |
| Noninterest expense to average assets | 1.6457% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4378% | 4,914 |
| Return on assets (ROA) | 0.4378% | 4,995 |
| Pretax return on assets | 0.6335% | 4,788 |
| Return on Equity (ROE) | 2.6439% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.6439% | 4,331 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2042% | 2,551 |
| Assets per employee ($millions) | 6.9357% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 5,061 |
| Loan loss allowance to noncurrent loans | 2,756.5217% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 5,467 |
| Noncurrent loans to loans | 0.0306% | 5,260 |
| Net loans and leases to total assets | 43.8363% | 5,204 |
| Net loans and leases to deposits | 59.5764% | 4,787 |
| Net loans and leases to core deposits | 63.5325% | 4,745 |
| Total domestic deposits to total assets | 73.5799% | 5,470 |
| Equity capital to assets | 16.8644% | 445 |
| Core capital (leverage) ratio | 15.8083% | 512 |
| Tier 1 risk-based capital ratio | 35.7953% | 315 |
| Total risk-based capital ratio | 36.6335% | 321 |
| Memoranda: | ||
| Average total assets | $342,632,000 | 1,935 |
| Average earning assets | $309,431,000 | 1,980 |
| Average equity | $56,733,000 | 1,363 |
| Average total loans | $147,555,250 | 2,680 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6579% | 5,856 |
| Cost of funding earning assets | 0.4820% | 2,254 |
| Net interest margin | 2.1759% | 5,909 |
| Noninterest income to average assets | 0.2934% | 4,684 |
| Noninterest expense to average assets | 1.6451% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4174% | 4,983 |
| Return on assets (ROA) | 0.4174% | 5,068 |
| Pretax return on assets | 0.6060% | 4,867 |
| Return on Equity (ROE) | 2.5363% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,272 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0799% | 2,502 |
| Assets per employee ($millions) | 7.1247% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 5,115 |
| Loan loss allowance to noncurrent loans | 2,536.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,554 |
| Noncurrent loans to loans | 0.0337% | 5,333 |
| Net loans and leases to total assets | 43.0090% | 5,283 |
| Net loans and leases to deposits | 57.9680% | 4,904 |
| Net loans and leases to core deposits | 61.7103% | 4,900 |
| Total domestic deposits to total assets | 74.1944% | 5,500 |
| Equity capital to assets | 16.6397% | 474 |
| Core capital (leverage) ratio | 15.1850% | 573 |
| Tier 1 risk-based capital ratio | 36.0247% | 308 |
| Total risk-based capital ratio | 36.8789% | 314 |
| Memoranda: | ||
| Average total assets | $343,559,000 | 1,940 |
| Average earning assets | $309,120,330 | 1,989 |
| Average equity | $56,539,330 | 1,369 |
| Average total loans | $146,658,330 | 2,692 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5818% | 5,941 |
| Cost of funding earning assets | 0.4728% | 2,345 |
| Net interest margin | 2.1091% | 5,992 |
| Noninterest income to average assets | 0.2753% | 4,756 |
| Noninterest expense to average assets | 1.6425% | 5,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3891% | 5,026 |
| Return on assets (ROA) | 0.3891% | 5,103 |
| Pretax return on assets | 0.5657% | 4,912 |
| Return on Equity (ROE) | 2.3777% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.3777% | 4,300 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3819% | 2,414 |
| Assets per employee ($millions) | 7.2430% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 5,163 |
| Loan loss allowance to noncurrent loans | 2,392.4528% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,599 |
| Noncurrent loans to loans | 0.0362% | 5,349 |
| Net loans and leases to total assets | 41.7147% | 5,364 |
| Net loans and leases to deposits | 54.1576% | 5,092 |
| Net loans and leases to core deposits | 57.2878% | 5,080 |
| Total domestic deposits to total assets | 77.0247% | 5,284 |
| Equity capital to assets | 16.2582% | 504 |
| Core capital (leverage) ratio | 15.3501% | 551 |
| Tier 1 risk-based capital ratio | 37.6445% | 277 |
| Total risk-based capital ratio | 38.5396% | 278 |
| Memoranda: | ||
| Average total assets | $344,346,500 | 1,945 |
| Average earning assets | $315,591,500 | 1,971 |
| Average equity | $56,356,500 | 1,367 |
| Average total loans | $145,811,500 | 2,708 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5786% | 5,973 |
| Cost of funding earning assets | 0.4930% | 2,225 |
| Net interest margin | 2.0856% | 6,030 |
| Noninterest income to average assets | 0.2912% | 4,807 |
| Noninterest expense to average assets | 1.5411% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4572% | 4,856 |
| Return on assets (ROA) | 0.4572% | 4,939 |
| Pretax return on assets | 0.6643% | 4,636 |
| Return on Equity (ROE) | 2.7970% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.7970% | 4,078 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8769% | 3,245 |
| Assets per employee ($millions) | 7.1048% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,190 |
| Loan loss allowance to noncurrent loans | 2,186.2069% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,633 |
| Noncurrent loans to loans | 0.0399% | 5,360 |
| Net loans and leases to total assets | 42.2427% | 5,393 |
| Net loans and leases to deposits | 54.1066% | 5,160 |
| Net loans and leases to core deposits | 57.4068% | 5,136 |
| Total domestic deposits to total assets | 78.0731% | 5,149 |
| Equity capital to assets | 16.4763% | 470 |
| Core capital (leverage) ratio | 15.2677% | 571 |
| Tier 1 risk-based capital ratio | 39.6568% | 234 |
| Total risk-based capital ratio | 40.6041% | 236 |
| Memoranda: | ||
| Average total assets | $338,983,400 | 1,927 |
| Average earning assets | $311,132,400 | 1,950 |
| Average equity | $55,417,200 | 1,353 |
| Average total loans | $148,525,000 | 2,616 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6067% | 6,047 |
| Cost of funding earning assets | 0.4981% | 2,229 |
| Net interest margin | 2.1086% | 6,099 |
| Noninterest income to average assets | 0.2966% | 4,817 |
| Noninterest expense to average assets | 1.5371% | 6,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4715% | 4,891 |
| Return on assets (ROA) | 0.4715% | 4,991 |
| Pretax return on assets | 0.6957% | 4,693 |
| Return on Equity (ROE) | 2.8900% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.8900% | 4,390 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8426% | 3,400 |
| Assets per employee ($millions) | 7.4126% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 5,335 |
| Loan loss allowance to noncurrent loans | 2,078.6885% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,725 |
| Noncurrent loans to loans | 0.0413% | 5,450 |
| Net loans and leases to total assets | 42.9681% | 5,424 |
| Net loans and leases to deposits | 55.9024% | 5,131 |
| Net loans and leases to core deposits | 59.2513% | 5,116 |
| Total domestic deposits to total assets | 76.8626% | 5,362 |
| Equity capital to assets | 16.3751% | 515 |
| Core capital (leverage) ratio | 15.2668% | 593 |
| Tier 1 risk-based capital ratio | 38.2904% | 276 |
| Total risk-based capital ratio | 39.2128% | 283 |
| Memoranda: | ||
| Average total assets | $338,472,000 | 1,948 |
| Average earning assets | $310,776,000 | 1,966 |
| Average equity | $55,224,250 | 1,361 |
| Average total loans | $149,324,250 | 2,617 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6214% | 6,108 |
| Cost of funding earning assets | 0.5051% | 2,204 |
| Net interest margin | 2.1163% | 6,168 |
| Noninterest income to average assets | 0.2891% | 4,897 |
| Noninterest expense to average assets | 1.5567% | 6,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4603% | 4,943 |
| Return on assets (ROA) | 0.4603% | 5,034 |
| Pretax return on assets | 0.6759% | 4,731 |
| Return on Equity (ROE) | 2.8244% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.8244% | 4,244 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7267% | 3,373 |
| Assets per employee ($millions) | 7.4145% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 5,493 |
| Loan loss allowance to noncurrent loans | 1,892.5373% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,817 |
| Noncurrent loans to loans | 0.0444% | 5,570 |
| Net loans and leases to total assets | 43.8733% | 5,385 |
| Net loans and leases to deposits | 56.7693% | 5,078 |
| Net loans and leases to core deposits | 60.2360% | 5,060 |
| Total domestic deposits to total assets | 77.2836% | 5,412 |
| Equity capital to assets | 16.2479% | 495 |
| Core capital (leverage) ratio | 15.5585% | 534 |
| Tier 1 risk-based capital ratio | 36.9097% | 316 |
| Total risk-based capital ratio | 37.8002% | 318 |
| Memoranda: | ||
| Average total assets | $337,635,670 | 1,967 |
| Average earning assets | $310,065,330 | 1,977 |
| Average equity | $55,020,330 | 1,374 |
| Average total loans | $149,838,670 | 2,619 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6306% | 6,169 |
| Cost of funding earning assets | 0.5157% | 2,147 |
| Net interest margin | 2.1148% | 6,242 |
| Noninterest income to average assets | 0.2548% | 5,136 |
| Noninterest expense to average assets | 1.5623% | 6,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4346% | 4,930 |
| Return on assets (ROA) | 0.4346% | 5,051 |
| Pretax return on assets | 0.6359% | 4,807 |
| Return on Equity (ROE) | 2.6631% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.6631% | 4,353 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0726% | 3,311 |
| Assets per employee ($millions) | 6.0995% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 5,573 |
| Loan loss allowance to noncurrent loans | 2,186.2069% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,878 |
| Noncurrent loans to loans | 0.0389% | 5,629 |
| Net loans and leases to total assets | 44.1092% | 5,342 |
| Net loans and leases to deposits | 56.1541% | 5,038 |
| Net loans and leases to core deposits | 59.5255% | 5,029 |
| Total domestic deposits to total assets | 78.5503% | 5,344 |
| Equity capital to assets | 16.3962% | 494 |
| Core capital (leverage) ratio | 15.6006% | 517 |
| Tier 1 risk-based capital ratio | 36.5791% | 320 |
| Total risk-based capital ratio | 37.4651% | 325 |
| Memoranda: | ||
| Average total assets | $335,920,500 | 1,986 |
| Average earning assets | $308,680,000 | 1,997 |
| Average equity | $54,822,500 | 1,386 |
| Average total loans | $149,305,500 | 2,629 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7089% | 6,258 |
| Cost of funding earning assets | 0.5560% | 2,164 |
| Net interest margin | 2.1530% | 6,327 |
| Noninterest income to average assets | 0.2847% | 5,082 |
| Noninterest expense to average assets | 1.5809% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4645% | 4,947 |
| Return on assets (ROA) | 0.4645% | 5,046 |
| Pretax return on assets | 0.6788% | 4,699 |
| Return on Equity (ROE) | 2.8191% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.8191% | 4,234 |
| Net charge-offs to loans | 0.0199% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 678 |
| Efficiency ratio | 69.9594% | 3,534 |
| Assets per employee ($millions) | 6.3465% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 5,637 |
| Loan loss allowance to noncurrent loans | 716.3842% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 5,807 |
| Noncurrent loans to loans | 0.1185% | 5,422 |
| Net loans and leases to total assets | 44.0293% | 5,464 |
| Net loans and leases to deposits | 55.5683% | 5,205 |
| Net loans and leases to core deposits | 58.8439% | 5,212 |
| Total domestic deposits to total assets | 79.2346% | 5,195 |
| Equity capital to assets | 16.2442% | 508 |
| Core capital (leverage) ratio | 15.6837% | 504 |
| Tier 1 risk-based capital ratio | 37.4408% | 272 |
| Total risk-based capital ratio | 38.3173% | 274 |
| Memoranda: | ||
| Average total assets | $327,037,800 | 1,986 |
| Average earning assets | $300,005,600 | 1,997 |
| Average equity | $53,881,600 | 1,356 |
| Average total loans | $150,518,000 | 2,561 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7319% | 6,318 |
| Cost of funding earning assets | 0.5629% | 2,169 |
| Net interest margin | 2.1691% | 6,402 |
| Noninterest income to average assets | 0.2768% | 5,224 |
| Noninterest expense to average assets | 1.5870% | 6,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4677% | 5,004 |
| Return on assets (ROA) | 0.4677% | 5,080 |
| Pretax return on assets | 0.6788% | 4,768 |
| Return on Equity (ROE) | 2.8284% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.8284% | 4,593 |
| Net charge-offs to loans | 0.0265% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 55.0985% | 923 |
| Efficiency ratio | 70.0435% | 3,498 |
| Assets per employee ($millions) | 6.3947% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 5,724 |
| Loan loss allowance to noncurrent loans | 716.3842% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 5,924 |
| Noncurrent loans to loans | 0.1196% | 5,571 |
| Net loans and leases to total assets | 45.8846% | 5,390 |
| Net loans and leases to deposits | 59.8780% | 4,954 |
| Net loans and leases to core deposits | 63.4645% | 4,931 |
| Total domestic deposits to total assets | 76.6300% | 5,742 |
| Equity capital to assets | 16.9703% | 429 |
| Core capital (leverage) ratio | 16.2961% | 442 |
| Tier 1 risk-based capital ratio | 36.9089% | 301 |
| Total risk-based capital ratio | 37.7873% | 303 |
| Memoranda: | ||
| Average total assets | $324,705,500 | 2,015 |
| Average earning assets | $297,756,250 | 2,023 |
| Average equity | $53,692,000 | 1,366 |
| Average total loans | $150,805,500 | 2,565 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7369% | 6,376 |
| Cost of funding earning assets | 0.5587% | 2,276 |
| Net interest margin | 2.1782% | 6,464 |
| Noninterest income to average assets | 0.2794% | 5,190 |
| Noninterest expense to average assets | 1.5860% | 6,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4657% | 4,950 |
| Return on assets (ROA) | 0.4657% | 5,025 |
| Pretax return on assets | 0.6931% | 4,664 |
| Return on Equity (ROE) | 2.8410% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.8410% | 4,397 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5886% | 3,723 |
| Assets per employee ($millions) | 6.4797% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 5,833 |
| Loan loss allowance to noncurrent loans | 624.0385% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 5,983 |
| Noncurrent loans to loans | 0.1385% | 5,590 |
| Net loans and leases to total assets | 45.9498% | 5,362 |
| Net loans and leases to deposits | 59.9264% | 4,874 |
| Net loans and leases to core deposits | 63.4666% | 4,863 |
| Total domestic deposits to total assets | 76.6771% | 5,834 |
| Equity capital to assets | 16.6310% | 462 |
| Core capital (leverage) ratio | 16.0941% | 467 |
| Tier 1 risk-based capital ratio | 37.5799% | 285 |
| Total risk-based capital ratio | 38.4945% | 288 |
| Memoranda: | ||
| Average total assets | $326,362,330 | 1,997 |
| Average earning assets | $299,610,000 | 2,010 |
| Average equity | $53,502,670 | 1,358 |
| Average total loans | $151,748,330 | 2,552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7362% | 6,435 |
| Cost of funding earning assets | 0.5701% | 2,242 |
| Net interest margin | 2.1661% | 6,541 |
| Noninterest income to average assets | 0.2723% | 5,194 |
| Noninterest expense to average assets | 1.5692% | 6,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4641% | 4,880 |
| Return on assets (ROA) | 0.4641% | 4,949 |
| Pretax return on assets | 0.6936% | 4,511 |
| Return on Equity (ROE) | 2.8511% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.8511% | 4,381 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3470% | 3,941 |
| Assets per employee ($millions) | 6.5938% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 5,978 |
| Loan loss allowance to noncurrent loans | 737.5000% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 6,117 |
| Noncurrent loans to loans | 0.1168% | 5,773 |
| Net loans and leases to total assets | 45.3154% | 5,400 |
| Net loans and leases to deposits | 58.0623% | 4,936 |
| Net loans and leases to core deposits | 62.3360% | 4,840 |
| Total domestic deposits to total assets | 78.0463% | 5,830 |
| Equity capital to assets | 16.2283% | 495 |
| Core capital (leverage) ratio | 16.0104% | 476 |
| Tier 1 risk-based capital ratio | 36.5117% | 302 |
| Total risk-based capital ratio | 37.4049% | 308 |
| Memoranda: | ||
| Average total assets | $327,550,500 | 1,995 |
| Average earning assets | $301,003,500 | 2,006 |
| Average equity | $53,313,000 | 1,366 |
| Average total loans | $152,538,000 | 2,547 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0028% | 6,347 |
| Cost of funding earning assets | 0.6202% | 2,477 |
| Net interest margin | 2.3825% | 6,465 |
| Noninterest income to average assets | 0.8071% | 2,052 |
| Noninterest expense to average assets | 1.9564% | 6,097 |
| Loan and lease loss provision to assets | 0.1246% | 2,759 |
| Net operating income to assets | 0.7772% | 3,409 |
| Return on assets (ROA) | 0.7772% | 3,511 |
| Pretax return on assets | 0.9114% | 3,722 |
| Return on Equity (ROE) | 4.8178% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.8178% | 2,718 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3798% | 4,677 |
| Assets per employee ($millions) | 6.5082% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 6,084 |
| Loan loss allowance to noncurrent loans | 2,237.9310% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 6,358 |
| Noncurrent loans to loans | 0.0376% | 6,134 |
| Net loans and leases to total assets | 47.0419% | 5,388 |
| Net loans and leases to deposits | 59.7691% | 4,955 |
| Net loans and leases to core deposits | 64.1657% | 4,851 |
| Total domestic deposits to total assets | 78.7061% | 5,708 |
| Equity capital to assets | 16.3248% | 479 |
| Core capital (leverage) ratio | 16.0878% | 462 |
| Tier 1 risk-based capital ratio | 32.4790% | 415 |
| Total risk-based capital ratio | 33.2726% | 422 |
| Memoranda: | ||
| Average total assets | $321,150,800 | 2,004 |
| Average earning assets | $294,559,600 | 2,013 |
| Average equity | $51,807,800 | 1,368 |
| Average total loans | $153,938,800 | 2,507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0305% | 6,394 |
| Cost of funding earning assets | 0.6292% | 2,558 |
| Net interest margin | 2.4013% | 6,517 |
| Noninterest income to average assets | 0.2670% | 5,540 |
| Noninterest expense to average assets | 1.6812% | 6,490 |
| Loan and lease loss provision to assets | 0.1666% | 2,174 |
| Net operating income to assets | 0.3553% | 5,418 |
| Return on assets (ROA) | 0.6906% | 4,042 |
| Pretax return on assets | 0.9564% | 3,661 |
| Return on Equity (ROE) | 4.2942% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.2942% | 3,622 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0952% | 4,083 |
| Assets per employee ($millions) | 6.5441% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,129 |
| Loan loss allowance to noncurrent loans | 270.4167% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 6,001 |
| Noncurrent loans to loans | 0.3224% | 5,419 |
| Net loans and leases to total assets | 45.1035% | 5,622 |
| Net loans and leases to deposits | 58.0192% | 5,189 |
| Net loans and leases to core deposits | 62.2232% | 5,095 |
| Total domestic deposits to total assets | 77.7390% | 5,942 |
| Equity capital to assets | 15.9796% | 557 |
| Core capital (leverage) ratio | 15.9623% | 495 |
| Tier 1 risk-based capital ratio | 32.5596% | 419 |
| Total risk-based capital ratio | 33.3680% | 431 |
| Memoranda: | ||
| Average total assets | $320,085,500 | 2,016 |
| Average earning assets | $293,500,500 | 2,023 |
| Average equity | $51,479,000 | 1,391 |
| Average total loans | $153,829,000 | 2,512 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1083% | 6,332 |
| Cost of funding earning assets | 0.6364% | 2,627 |
| Net interest margin | 2.4719% | 6,477 |
| Noninterest income to average assets | 0.5433% | 3,550 |
| Noninterest expense to average assets | 1.6984% | 6,498 |
| Loan and lease loss provision to assets | 0.2518% | 1,470 |
| Net operating income to assets | 0.5433% | 4,587 |
| Return on assets (ROA) | 0.7982% | 3,457 |
| Pretax return on assets | 1.1123% | 3,046 |
| Return on Equity (ROE) | 4.9522% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.9522% | 3,084 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4933% | 5,403 |
| Assets per employee ($millions) | 6.4139% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 6,226 |
| Loan loss allowance to noncurrent loans | 215.6146% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 5,932 |
| Noncurrent loans to loans | 0.4003% | 5,270 |
| Net loans and leases to total assets | 46.4951% | 5,480 |
| Net loans and leases to deposits | 60.2460% | 4,947 |
| Net loans and leases to core deposits | 64.6338% | 4,829 |
| Total domestic deposits to total assets | 77.1754% | 6,103 |
| Equity capital to assets | 16.1830% | 504 |
| Core capital (leverage) ratio | 16.2053% | 442 |
| Tier 1 risk-based capital ratio | 32.7669% | 413 |
| Total risk-based capital ratio | 33.5865% | 423 |
| Memoranda: | ||
| Average total assets | $317,712,330 | 2,034 |
| Average earning assets | $291,026,670 | 2,047 |
| Average equity | $51,210,000 | 1,397 |
| Average total loans | $155,479,000 | 2,496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1935% | 6,302 |
| Cost of funding earning assets | 0.6445% | 2,708 |
| Net interest margin | 2.5490% | 6,442 |
| Noninterest income to average assets | 0.2985% | 5,315 |
| Noninterest expense to average assets | 1.6849% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5933% | 4,251 |
| Return on assets (ROA) | 0.5933% | 4,397 |
| Pretax return on assets | 0.9449% | 3,587 |
| Return on Equity (ROE) | 3.6881% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.6881% | 4,014 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0693% | 5,001 |
| Assets per employee ($millions) | 6.3619% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 6,733 |
| Loan loss allowance to noncurrent loans | 194.7939% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 6,139 |
| Noncurrent loans to loans | 0.2953% | 5,668 |
| Net loans and leases to total assets | 48.8018% | 5,140 |
| Net loans and leases to deposits | 62.3355% | 4,499 |
| Net loans and leases to core deposits | 67.2614% | 4,382 |
| Total domestic deposits to total assets | 78.2889% | 6,073 |
| Equity capital to assets | 16.0644% | 553 |
| Core capital (leverage) ratio | 16.1463% | 434 |
| Tier 1 risk-based capital ratio | 31.7070% | 462 |
| Total risk-based capital ratio | 32.2643% | 479 |
| Memoranda: | ||
| Average total assets | $316,221,500 | 2,071 |
| Average earning assets | $289,213,500 | 2,084 |
| Average equity | $50,866,000 | 1,427 |
| Average total loans | $158,016,000 | 2,479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 6,364 |
| Cost of funding earning assets | 0.7579% | 3,029 |
| Net interest margin | 2.7350% | 6,474 |
| Noninterest income to average assets | 0.3308% | 5,087 |
| Noninterest expense to average assets | 1.7779% | 6,648 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6677% | 3,898 |
| Return on assets (ROA) | 0.6677% | 4,166 |
| Pretax return on assets | 1.0563% | 3,336 |
| Return on Equity (ROE) | 4.2408% | 5,046 |
| Retained earnings to average equity (ytd only) | 4.2408% | 3,242 |
| Net charge-offs to loans | 0.0006% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3,327.0000% | 6 |
| Efficiency ratio | 62.7310% | 5,125 |
| Assets per employee ($millions) | 6.2870% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5616% | 6,800 |
| Loan loss allowance to noncurrent loans | 266.4688% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 6,319 |
| Noncurrent loans to loans | 0.2108% | 5,946 |
| Net loans and leases to total assets | 50.5809% | 5,098 |
| Net loans and leases to deposits | 63.9656% | 4,536 |
| Net loans and leases to core deposits | 69.1542% | 4,415 |
| Total domestic deposits to total assets | 79.0751% | 5,870 |
| Equity capital to assets | 16.1070% | 539 |
| Core capital (leverage) ratio | 16.0460% | 451 |
| Tier 1 risk-based capital ratio | 31.3323% | 457 |
| Total risk-based capital ratio | 31.8881% | 481 |
| Memoranda: | ||
| Average total assets | $314,973,600 | 2,039 |
| Average earning assets | $288,298,200 | 2,055 |
| Average equity | $49,589,200 | 1,430 |
| Average total loans | $165,585,800 | 2,354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 6,447 |
| Cost of funding earning assets | 0.7796% | 3,116 |
| Net interest margin | 2.7705% | 6,551 |
| Noninterest income to average assets | 0.3152% | 5,257 |
| Noninterest expense to average assets | 1.7914% | 6,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6660% | 4,060 |
| Return on assets (ROA) | 0.6660% | 4,331 |
| Pretax return on assets | 1.0603% | 3,501 |
| Return on Equity (ROE) | 4.2544% | 5,171 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,901 |
| Net charge-offs to loans | 0.0008% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2,512.2180% | 9 |
| Efficiency ratio | 62.8190% | 5,002 |
| Assets per employee ($millions) | 6.2859% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5479% | 6,922 |
| Loan loss allowance to noncurrent loans | 410.0457% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,570 |
| Noncurrent loans to loans | 0.1336% | 6,265 |
| Net loans and leases to total assets | 51.8576% | 5,072 |
| Net loans and leases to deposits | 66.9442% | 4,347 |
| Net loans and leases to core deposits | 72.4718% | 4,195 |
| Total domestic deposits to total assets | 77.4640% | 6,172 |
| Equity capital to assets | 15.9416% | 615 |
| Core capital (leverage) ratio | 15.7624% | 510 |
| Tier 1 risk-based capital ratio | 30.8203% | 493 |
| Total risk-based capital ratio | 31.3728% | 514 |
| Memoranda: | ||
| Average total assets | $315,130,000 | 2,064 |
| Average earning assets | $288,510,250 | 2,072 |
| Average equity | $49,328,500 | 1,445 |
| Average total loans | $167,007,750 | 2,371 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 6,492 |
| Cost of funding earning assets | 0.7975% | 3,211 |
| Net interest margin | 2.7990% | 6,577 |
| Noninterest income to average assets | 0.3069% | 5,358 |
| Noninterest expense to average assets | 1.8123% | 6,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6696% | 4,018 |
| Return on assets (ROA) | 0.6696% | 4,280 |
| Pretax return on assets | 1.0564% | 3,485 |
| Return on Equity (ROE) | 4.3041% | 5,131 |
| Retained earnings to average equity (ytd only) | 4.3041% | 3,748 |
| Net charge-offs to loans | 0.0012% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,666.0000% | 13 |
| Efficiency ratio | 63.1742% | 5,054 |
| Assets per employee ($millions) | 6.3631% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 6,995 |
| Loan loss allowance to noncurrent loans | 266.4688% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 6,531 |
| Noncurrent loans to loans | 0.2018% | 6,181 |
| Net loans and leases to total assets | 52.1959% | 5,077 |
| Net loans and leases to deposits | 67.1048% | 4,346 |
| Net loans and leases to core deposits | 72.7414% | 4,206 |
| Total domestic deposits to total assets | 77.7827% | 6,201 |
| Equity capital to assets | 15.5857% | 666 |
| Core capital (leverage) ratio | 15.6783% | 503 |
| Tier 1 risk-based capital ratio | 30.0241% | 519 |
| Total risk-based capital ratio | 30.5679% | 541 |
| Memoranda: | ||
| Average total assets | $315,407,670 | 2,057 |
| Average earning assets | $288,669,670 | 2,067 |
| Average equity | $49,070,000 | 1,445 |
| Average total loans | $168,048,670 | 2,374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 6,456 |
| Cost of funding earning assets | 0.8173% | 3,330 |
| Net interest margin | 2.8711% | 6,522 |
| Noninterest income to average assets | 0.3388% | 5,149 |
| Noninterest expense to average assets | 1.8597% | 6,719 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7082% | 3,845 |
| Return on assets (ROA) | 0.7082% | 4,064 |
| Pretax return on assets | 1.1056% | 3,303 |
| Return on Equity (ROE) | 4.5563% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.5563% | 3,849 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7148% | 5,149 |
| Assets per employee ($millions) | 6.3411% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 7,039 |
| Loan loss allowance to noncurrent loans | 1,634.5455% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 6,870 |
| Noncurrent loans to loans | 0.0329% | 6,682 |
| Net loans and leases to total assets | 52.3706% | 4,966 |
| Net loans and leases to deposits | 65.9871% | 4,383 |
| Net loans and leases to core deposits | 71.2232% | 4,264 |
| Total domestic deposits to total assets | 79.3648% | 6,003 |
| Equity capital to assets | 15.4828% | 664 |
| Core capital (leverage) ratio | 15.5729% | 520 |
| Tier 1 risk-based capital ratio | 29.7728% | 530 |
| Total risk-based capital ratio | 30.3182% | 560 |
| Memoranda: | ||
| Average total assets | $314,033,000 | 2,067 |
| Average earning assets | $287,280,500 | 2,081 |
| Average equity | $48,811,500 | 1,447 |
| Average total loans | $168,591,500 | 2,377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 6,701 |
| Cost of funding earning assets | 0.9036% | 4,089 |
| Net interest margin | 2.9223% | 6,655 |
| Noninterest income to average assets | 0.2566% | 5,699 |
| Noninterest expense to average assets | 1.8233% | 6,929 |
| Loan and lease loss provision to assets | 0.0194% | 6,327 |
| Net operating income to assets | 0.7087% | 3,443 |
| Return on assets (ROA) | 0.7087% | 3,629 |
| Pretax return on assets | 1.0861% | 2,891 |
| Return on Equity (ROE) | 4.6152% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.6152% | 2,895 |
| Net charge-offs to loans | 0.0135% | 6,245 |
| Credit loss provision to net charge-offs | 260.8696% | 922 |
| Earnings coverage of net charge-offs (x) | 148.5217% | 226 |
| Efficiency ratio | 62.2541% | 5,418 |
| Assets per employee ($millions) | 6.2202% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 7,083 |
| Loan loss allowance to noncurrent loans | 70.1795% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 5,943 |
| Noncurrent loans to loans | 0.7525% | 5,194 |
| Net loans and leases to total assets | 54.4487% | 4,963 |
| Net loans and leases to deposits | 68.1642% | 4,418 |
| Net loans and leases to core deposits | 73.6518% | 4,291 |
| Total domestic deposits to total assets | 79.8788% | 5,775 |
| Equity capital to assets | 15.6053% | 653 |
| Core capital (leverage) ratio | 15.6021% | 509 |
| Tier 1 risk-based capital ratio | 29.6325% | 535 |
| Total risk-based capital ratio | 30.1816% | 561 |
| Memoranda: | ||
| Average total assets | $308,996,200 | 2,071 |
| Average earning assets | $282,548,200 | 2,076 |
| Average equity | $47,451,800 | 1,432 |
| Average total loans | $170,533,600 | 2,369 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 6,756 |
| Cost of funding earning assets | 0.9209% | 4,268 |
| Net interest margin | 2.9564% | 6,656 |
| Noninterest income to average assets | 0.2325% | 5,955 |
| Noninterest expense to average assets | 1.8330% | 6,946 |
| Loan and lease loss provision to assets | 0.0259% | 6,125 |
| Net operating income to assets | 0.7062% | 3,584 |
| Return on assets (ROA) | 0.7062% | 3,748 |
| Pretax return on assets | 1.0766% | 3,110 |
| Return on Equity (ROE) | 4.6175% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.6175% | 3,430 |
| Net charge-offs to loans | 0.0180% | 5,901 |
| Credit loss provision to net charge-offs | 260.8696% | 1,092 |
| Earnings coverage of net charge-offs (x) | 110.8983% | 326 |
| Efficiency ratio | 62.4411% | 5,344 |
| Assets per employee ($millions) | 6.1746% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 7,147 |
| Loan loss allowance to noncurrent loans | 1,096.3415% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 6,993 |
| Noncurrent loans to loans | 0.0486% | 6,815 |
| Net loans and leases to total assets | 54.3265% | 5,126 |
| Net loans and leases to deposits | 68.4808% | 4,526 |
| Net loans and leases to core deposits | 73.9286% | 4,455 |
| Total domestic deposits to total assets | 79.3310% | 5,906 |
| Equity capital to assets | 15.5409% | 715 |
| Core capital (leverage) ratio | 15.4143% | 589 |
| Tier 1 risk-based capital ratio | 29.4663% | 574 |
| Total risk-based capital ratio | 30.0186% | 598 |
| Memoranda: | ||
| Average total assets | $308,492,750 | 2,080 |
| Average earning assets | $282,047,000 | 2,087 |
| Average equity | $47,181,250 | 1,446 |
| Average total loans | $170,607,000 | 2,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 6,788 |
| Cost of funding earning assets | 0.9270% | 4,480 |
| Net interest margin | 2.9853% | 6,634 |
| Noninterest income to average assets | 0.2270% | 6,037 |
| Noninterest expense to average assets | 1.8008% | 7,085 |
| Loan and lease loss provision to assets | 0.0389% | 5,825 |
| Net operating income to assets | 0.7328% | 3,375 |
| Return on assets (ROA) | 0.7328% | 3,493 |
| Pretax return on assets | 1.1167% | 2,781 |
| Return on Equity (ROE) | 4.8172% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.8172% | 3,105 |
| Net charge-offs to loans | 0.0269% | 5,447 |
| Credit loss provision to net charge-offs | 260.8696% | 1,167 |
| Earnings coverage of net charge-offs (x) | 77.4783% | 440 |
| Efficiency ratio | 60.9125% | 5,741 |
| Assets per employee ($millions) | 6.5961% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 7,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.1209% | 5,129 |
| Net loans and leases to deposits | 69.2703% | 4,526 |
| Net loans and leases to core deposits | 74.9079% | 4,454 |
| Total domestic deposits to total assets | 79.5736% | 5,936 |
| Equity capital to assets | 15.3147% | 744 |
| Core capital (leverage) ratio | 15.2979% | 618 |
| Tier 1 risk-based capital ratio | 28.9575% | 603 |
| Total risk-based capital ratio | 29.5060% | 628 |
| Memoranda: | ||
| Average total assets | $308,414,330 | 2,090 |
| Average earning assets | $281,986,000 | 2,087 |
| Average equity | $46,915,330 | 1,443 |
| Average total loans | $171,269,330 | 2,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 6,816 |
| Cost of funding earning assets | 0.9473% | 4,588 |
| Net interest margin | 2.9585% | 6,659 |
| Noninterest income to average assets | 0.2276% | 6,096 |
| Noninterest expense to average assets | 1.8023% | 7,136 |
| Loan and lease loss provision to assets | 0.0390% | 5,507 |
| Net operating income to assets | 0.7386% | 3,331 |
| Return on assets (ROA) | 0.7386% | 3,396 |
| Pretax return on assets | 1.0949% | 2,775 |
| Return on Equity (ROE) | 4.8720% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.8720% | 3,269 |
| Net charge-offs to loans | 0.0538% | 4,402 |
| Credit loss provision to net charge-offs | 130.4348% | 2,120 |
| Earnings coverage of net charge-offs (x) | 37.9130% | 710 |
| Efficiency ratio | 61.3818% | 5,782 |
| Assets per employee ($millions) | 6.1772% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5020% | 7,278 |
| Loan loss allowance to noncurrent loans | 1,931.1111% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 7,156 |
| Noncurrent loans to loans | 0.0260% | 6,994 |
| Net loans and leases to total assets | 55.7701% | 5,032 |
| Net loans and leases to deposits | 69.6006% | 4,410 |
| Net loans and leases to core deposits | 75.7713% | 4,327 |
| Total domestic deposits to total assets | 80.1288% | 5,909 |
| Equity capital to assets | 15.1904% | 724 |
| Core capital (leverage) ratio | 15.2133% | 622 |
| Tier 1 risk-based capital ratio | 27.6908% | 654 |
| Total risk-based capital ratio | 28.2038% | 693 |
| Memoranda: | ||
| Average total assets | $307,614,000 | 2,112 |
| Average earning assets | $281,633,500 | 2,101 |
| Average equity | $46,634,000 | 1,439 |
| Average total loans | $171,013,000 | 2,423 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 7,014 |
| Cost of funding earning assets | 1.0974% | 5,147 |
| Net interest margin | 3.0259% | 6,688 |
| Noninterest income to average assets | 0.3015% | 5,638 |
| Noninterest expense to average assets | 1.8206% | 7,244 |
| Loan and lease loss provision to assets | 0.0394% | 6,763 |
| Net operating income to assets | 0.7984% | 2,810 |
| Return on assets (ROA) | 0.7984% | 2,943 |
| Pretax return on assets | 1.2075% | 2,205 |
| Return on Equity (ROE) | 5.3965% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.3965% | 2,181 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3519% | 6,140 |
| Assets per employee ($millions) | 6.1274% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5103% | 7,349 |
| Loan loss allowance to noncurrent loans | 3,591.6667% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 7,239 |
| Noncurrent loans to loans | 0.0142% | 7,119 |
| Net loans and leases to total assets | 54.8502% | 5,518 |
| Net loans and leases to deposits | 68.2224% | 5,074 |
| Net loans and leases to core deposits | 74.8559% | 4,866 |
| Total domestic deposits to total assets | 80.3991% | 5,721 |
| Equity capital to assets | 15.1291% | 755 |
| Core capital (leverage) ratio | 15.0646% | 653 |
| Tier 1 risk-based capital ratio | 28.1529% | 594 |
| Total risk-based capital ratio | 28.6767% | 636 |
| Memoranda: | ||
| Average total assets | $304,848,200 | 2,128 |
| Average earning assets | $278,665,200 | 2,122 |
| Average equity | $45,103,000 | 1,484 |
| Average total loans | $161,332,200 | 2,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 7,136 |
| Cost of funding earning assets | 1.1329% | 5,236 |
| Net interest margin | 3.0302% | 6,766 |
| Noninterest income to average assets | 0.2711% | 5,949 |
| Noninterest expense to average assets | 1.8362% | 7,291 |
| Loan and lease loss provision to assets | 0.0394% | 6,689 |
| Net operating income to assets | 0.7773% | 3,100 |
| Return on assets (ROA) | 0.7773% | 3,258 |
| Pretax return on assets | 1.1644% | 2,623 |
| Return on Equity (ROE) | 5.2837% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.2837% | 2,789 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4005% | 5,892 |
| Assets per employee ($millions) | 6.1308% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5017% | 7,452 |
| Loan loss allowance to noncurrent loans | 1,240.2985% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 7,306 |
| Noncurrent loans to loans | 0.0404% | 7,145 |
| Net loans and leases to total assets | 53.7669% | 5,882 |
| Net loans and leases to deposits | 67.6047% | 5,475 |
| Net loans and leases to core deposits | 73.9760% | 5,297 |
| Total domestic deposits to total assets | 79.5312% | 5,856 |
| Equity capital to assets | 14.9057% | 909 |
| Core capital (leverage) ratio | 14.7388% | 771 |
| Tier 1 risk-based capital ratio | 27.9742% | 630 |
| Total risk-based capital ratio | 28.4838% | 670 |
| Memoranda: | ||
| Average total assets | $304,468,000 | 2,157 |
| Average earning assets | $278,210,750 | 2,162 |
| Average equity | $44,791,000 | 1,497 |
| Average total loans | $159,438,750 | 2,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 7,160 |
| Cost of funding earning assets | 1.1763% | 5,260 |
| Net interest margin | 3.0349% | 6,756 |
| Noninterest income to average assets | 0.2706% | 5,986 |
| Noninterest expense to average assets | 1.8329% | 7,354 |
| Loan and lease loss provision to assets | 0.0395% | 6,566 |
| Net operating income to assets | 0.7538% | 3,178 |
| Return on assets (ROA) | 0.7538% | 3,334 |
| Pretax return on assets | 1.1686% | 2,521 |
| Return on Equity (ROE) | 5.1471% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.1471% | 2,819 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2728% | 6,001 |
| Assets per employee ($millions) | 6.1440% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 7,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 51.4079% | 6,275 |
| Net loans and leases to deposits | 64.2584% | 6,007 |
| Net loans and leases to core deposits | 70.8033% | 5,795 |
| Total domestic deposits to total assets | 80.0018% | 5,725 |
| Equity capital to assets | 14.6694% | 957 |
| Core capital (leverage) ratio | 14.6808% | 786 |
| Tier 1 risk-based capital ratio | 28.0970% | 621 |
| Total risk-based capital ratio | 28.5973% | 662 |
| Memoranda: | ||
| Average total assets | $303,777,330 | 2,179 |
| Average earning assets | $277,303,000 | 2,177 |
| Average equity | $44,490,670 | 1,497 |
| Average total loans | $157,369,000 | 2,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 7,221 |
| Cost of funding earning assets | 1.2232% | 5,266 |
| Net interest margin | 3.0122% | 6,803 |
| Noninterest income to average assets | 0.2794% | 5,908 |
| Noninterest expense to average assets | 1.8181% | 7,447 |
| Loan and lease loss provision to assets | 0.0397% | 6,276 |
| Net operating income to assets | 0.7561% | 3,180 |
| Return on assets (ROA) | 0.7561% | 3,287 |
| Pretax return on assets | 1.1706% | 2,471 |
| Return on Equity (ROE) | 5.1670% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.1670% | 3,063 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0350% | 6,166 |
| Assets per employee ($millions) | 6.0600% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 7,596 |
| Loan loss allowance to noncurrent loans | 1,608.3333% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 7,331 |
| Noncurrent loans to loans | 0.0304% | 7,338 |
| Net loans and leases to total assets | 51.8797% | 6,286 |
| Net loans and leases to deposits | 64.5291% | 5,999 |
| Net loans and leases to core deposits | 71.7869% | 5,742 |
| Total domestic deposits to total assets | 80.3974% | 5,657 |
| Equity capital to assets | 14.6831% | 961 |
| Core capital (leverage) ratio | 14.6643% | 811 |
| Tier 1 risk-based capital ratio | 28.0918% | 634 |
| Total risk-based capital ratio | 28.5795% | 671 |
| Memoranda: | ||
| Average total assets | $302,067,000 | 2,238 |
| Average earning assets | $275,677,500 | 2,238 |
| Average equity | $44,204,000 | 1,519 |
| Average total loans | $156,690,500 | 2,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 7,151 |
| Cost of funding earning assets | 1.6723% | 4,656 |
| Net interest margin | 3.0188% | 6,598 |
| Noninterest income to average assets | 0.3322% | 5,713 |
| Noninterest expense to average assets | 1.9160% | 7,480 |
| Loan and lease loss provision to assets | 0.0071% | 7,396 |
| Net operating income to assets | 0.7705% | 2,633 |
| Return on assets (ROA) | 0.7705% | 2,726 |
| Pretax return on assets | 1.1663% | 2,044 |
| Return on Equity (ROE) | 5.2954% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.2954% | 1,677 |
| Net charge-offs to loans | 0.0060% | 7,158 |
| Credit loss provision to net charge-offs | 233.3333% | 1,559 |
| Earnings coverage of net charge-offs (x) | 383.4444% | 75 |
| Efficiency ratio | 62.0185% | 6,152 |
| Assets per employee ($millions) | 6.0227% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 7,687 |
| Loan loss allowance to noncurrent loans | 588.8889% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 7,276 |
| Noncurrent loans to loans | 0.0811% | 7,207 |
| Net loans and leases to total assets | 51.3630% | 6,491 |
| Net loans and leases to deposits | 63.1651% | 6,348 |
| Net loans and leases to core deposits | 83.4859% | 5,768 |
| Total domestic deposits to total assets | 81.3156% | 5,226 |
| Equity capital to assets | 14.5843% | 1,004 |
| Core capital (leverage) ratio | 14.4418% | 893 |
| Tier 1 risk-based capital ratio | 28.0496% | 639 |
| Total risk-based capital ratio | 28.5237% | 669 |
| Memoranda: | ||
| Average total assets | $294,104,600 | 2,253 |
| Average earning assets | $268,614,400 | 2,251 |
| Average equity | $42,791,800 | 1,558 |
| Average total loans | $149,239,400 | 2,923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 7,150 |
| Cost of funding earning assets | 1.7607% | 4,585 |
| Net interest margin | 3.0242% | 6,537 |
| Noninterest income to average assets | 0.3498% | 5,695 |
| Noninterest expense to average assets | 1.9470% | 7,471 |
| Loan and lease loss provision to assets | 0.0027% | 7,277 |
| Net operating income to assets | 0.7698% | 2,940 |
| Return on assets (ROA) | 0.7698% | 2,999 |
| Pretax return on assets | 1.1630% | 2,374 |
| Return on Equity (ROE) | 5.2943% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.2943% | 2,318 |
| Net charge-offs to loans | 0.0081% | 6,849 |
| Credit loss provision to net charge-offs | 66.6667% | 6,052 |
| Earnings coverage of net charge-offs (x) | 283.9925% | 128 |
| Efficiency ratio | 62.5495% | 6,008 |
| Assets per employee ($millions) | 6.0362% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4736% | 7,742 |
| Loan loss allowance to noncurrent loans | 7,270.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 7,444 |
| Noncurrent loans to loans | 0.0065% | 7,515 |
| Net loans and leases to total assets | 50.6186% | 6,728 |
| Net loans and leases to deposits | 62.8848% | 6,598 |
| Net loans and leases to core deposits | 83.5857% | 6,072 |
| Total domestic deposits to total assets | 80.4941% | 5,250 |
| Equity capital to assets | 14.3603% | 1,184 |
| Core capital (leverage) ratio | 14.2566% | 1,018 |
| Tier 1 risk-based capital ratio | 27.8193% | 692 |
| Total risk-based capital ratio | 28.2862% | 727 |
| Memoranda: | ||
| Average total assets | $292,347,500 | 2,288 |
| Average earning assets | $267,087,250 | 2,273 |
| Average equity | $42,510,250 | 1,592 |
| Average total loans | $147,696,000 | 2,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 6,963 |
| Cost of funding earning assets | 1.8368% | 4,573 |
| Net interest margin | 3.0945% | 6,263 |
| Noninterest income to average assets | 0.3672% | 5,575 |
| Noninterest expense to average assets | 2.0063% | 7,454 |
| Loan and lease loss provision to assets | 0.0041% | 7,139 |
| Net operating income to assets | 0.7794% | 2,935 |
| Return on assets (ROA) | 0.7794% | 3,030 |
| Pretax return on assets | 1.1798% | 2,360 |
| Return on Equity (ROE) | 5.3370% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.3370% | 2,332 |
| Net charge-offs to loans | 0.0055% | 6,533 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 428.0000% | 82 |
| Efficiency ratio | 62.8875% | 6,100 |
| Assets per employee ($millions) | 6.0167% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 7,801 |
| Loan loss allowance to noncurrent loans | 230.9148% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 7,311 |
| Noncurrent loans to loans | 0.2129% | 6,983 |
| Net loans and leases to total assets | 49.2451% | 6,936 |
| Net loans and leases to deposits | 61.4766% | 6,778 |
| Net loans and leases to core deposits | 82.4069% | 6,207 |
| Total domestic deposits to total assets | 80.1038% | 5,436 |
| Equity capital to assets | 14.2204% | 1,243 |
| Core capital (leverage) ratio | 14.3066% | 1,067 |
| Tier 1 risk-based capital ratio | 27.9369% | 721 |
| Total risk-based capital ratio | 28.4152% | 754 |
| Memoranda: | ||
| Average total assets | $289,192,670 | 2,326 |
| Average earning assets | $263,824,000 | 2,313 |
| Average equity | $42,233,330 | 1,611 |
| Average total loans | $145,761,330 | 3,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 6,679 |
| Cost of funding earning assets | 1.8944% | 4,651 |
| Net interest margin | 3.1955% | 5,873 |
| Noninterest income to average assets | 0.3416% | 5,722 |
| Noninterest expense to average assets | 1.9169% | 7,516 |
| Loan and lease loss provision to assets | 0.0085% | 6,707 |
| Net operating income to assets | 0.8752% | 2,821 |
| Return on assets (ROA) | 0.8752% | 2,967 |
| Pretax return on assets | 1.3283% | 2,187 |
| Return on Equity (ROE) | 5.9104% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.9104% | 2,672 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9154% | 6,562 |
| Assets per employee ($millions) | 5.7574% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5046% | 7,820 |
| Loan loss allowance to noncurrent loans | 230.1887% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 7,260 |
| Noncurrent loans to loans | 0.2192% | 6,903 |
| Net loans and leases to total assets | 50.1351% | 6,851 |
| Net loans and leases to deposits | 62.7080% | 6,678 |
| Net loans and leases to core deposits | 83.7335% | 6,078 |
| Total domestic deposits to total assets | 79.9502% | 5,389 |
| Equity capital to assets | 14.6845% | 1,184 |
| Core capital (leverage) ratio | 14.7952% | 1,006 |
| Tier 1 risk-based capital ratio | 28.5789% | 713 |
| Total risk-based capital ratio | 29.0740% | 747 |
| Memoranda: | ||
| Average total assets | $283,371,000 | 2,373 |
| Average earning assets | $258,237,500 | 2,382 |
| Average equity | $41,960,000 | 1,625 |
| Average total loans | $144,202,500 | 3,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5765% | 7,139 |
| Cost of funding earning assets | 2.3777% | 4,824 |
| Net interest margin | 3.1988% | 6,369 |
| Noninterest income to average assets | 0.2958% | 6,346 |
| Noninterest expense to average assets | 1.9688% | 7,498 |
| Loan and lease loss provision to assets | 0.0087% | 7,264 |
| Net operating income to assets | 0.8394% | 3,271 |
| Return on assets (ROA) | 0.8394% | 3,106 |
| Pretax return on assets | 1.2292% | 2,551 |
| Return on Equity (ROE) | 5.7043% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.7043% | 1,665 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3962% | 6,083 |
| Assets per employee ($millions) | 5.9335% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 7,840 |
| Loan loss allowance to noncurrent loans | 421.9653% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 7,318 |
| Noncurrent loans to loans | 0.1207% | 7,049 |
| Net loans and leases to total assets | 51.1414% | 6,925 |
| Net loans and leases to deposits | 63.5771% | 6,835 |
| Net loans and leases to core deposits | 83.2341% | 6,358 |
| Total domestic deposits to total assets | 80.4399% | 4,855 |
| Equity capital to assets | 14.9343% | 1,177 |
| Core capital (leverage) ratio | 14.8195% | 1,072 |
| Tier 1 risk-based capital ratio | 28.7856% | 709 |
| Total risk-based capital ratio | 29.2904% | 742 |
| Memoranda: | ||
| Average total assets | $276,514,000 | 2,337 |
| Average earning assets | $251,627,000 | 2,358 |
| Average equity | $40,688,400 | 1,647 |
| Average total loans | $139,467,800 | 3,107 |