Home > United Texas Bank > Performance and Condition Ratios
United Texas Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7532% | 878 |
| Cost of funding earning assets | 2.4788% | 382 |
| Net interest margin | 3.2745% | 2,694 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.8806% | 3,869 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3539% | 1,317 |
| Return on assets (ROA) | 1.3529% | 1,290 |
| Pretax return on assets | 1.7139% | 1,041 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.2405% | 1,198 |
| Net charge-offs to loans | 0.0540% | 1,325 |
| Credit loss provision to net charge-offs | 65.1757% | 2,119 |
| Earnings coverage of net charge-offs (x) | 69.2939% | 1,099 |
| Efficiency ratio | 52.0696% | 3,825 |
| Assets per employee ($millions) | 19.3187% | 107 |
| Cash dividends to net income (ytd only)* | 20.6477% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 1,928 |
| Loan loss allowance to noncurrent loans | 140.3846% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 1,379 |
| Noncurrent loans to loans | 0.9039% | 830 |
| Net loans and leases to total assets | 43.8800% | 3,908 |
| Net loans and leases to deposits | 65.6951% | 3,190 |
| Net loans and leases to core deposits | 71.8352% | 3,203 |
| Total domestic deposits to total assets | 66.7900% | 4,363 |
| Equity capital to assets | 11.8583% | 1,184 |
| Core capital (leverage) ratio | 11.9802% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,252,896,400 | 829 |
| Average earning assets | $1,217,086,600 | 787 |
| Average equity | $145,565,400 | 690 |
| Average total loans | $579,833,800 | 1,108 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6836% | 808 |
| Cost of funding earning assets | 2.3682% | 351 |
| Net interest margin | 3.3154% | 2,645 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 1.7980% | 3,980 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.3136% | 1,519 |
| Return on assets (ROA) | 1.3090% | 1,512 |
| Pretax return on assets | 1.6588% | 1,244 |
| Return on Equity (ROE) | 11.3300% | 2,297 |
| Retained earnings to average equity (ytd only) | 8.0777% | 1,937 |
| Net charge-offs to loans | 0.4014% | 214 |
| Credit loss provision to net charge-offs | 93.7679% | 1,671 |
| Earnings coverage of net charge-offs (x) | 9.8010% | 2,153 |
| Efficiency ratio | 49.4306% | 3,954 |
| Assets per employee ($millions) | 18.5131% | 112 |
| Cash dividends to net income (ytd only)* | 28.6909% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 1,939 |
| Loan loss allowance to noncurrent loans | 45.8923% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 371 |
| Noncurrent loans to loans | 2.7969% | 156 |
| Net loans and leases to total assets | 42.7000% | 3,964 |
| Net loans and leases to deposits | 61.7587% | 3,417 |
| Net loans and leases to core deposits | 67.3838% | 3,355 |
| Total domestic deposits to total assets | 69.1400% | 4,342 |
| Equity capital to assets | 11.3672% | 1,219 |
| Core capital (leverage) ratio | 11.4473% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,242,531,500 | 836 |
| Average earning assets | $1,207,018,750 | 799 |
| Average equity | $143,584,500 | 690 |
| Average total loans | $580,978,500 | 1,109 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 873 |
| Cost of funding earning assets | 2.2053% | 335 |
| Net interest margin | 3.2662% | 2,832 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.7248% | 4,121 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.2520% | 1,689 |
| Return on assets (ROA) | 1.2501% | 1,687 |
| Pretax return on assets | 1.5809% | 1,445 |
| Return on Equity (ROE) | 10.7600% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.7557% | 1,230 |
| Net charge-offs to loans | 0.5580% | 149 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 6.9104% | 2,104 |
| Efficiency ratio | 48.2393% | 4,047 |
| Assets per employee ($millions) | 20.0151% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,868 |
| Loan loss allowance to noncurrent loans | 1,043.4286% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,265 |
| Noncurrent loans to loans | 0.1260% | 2,844 |
| Net loans and leases to total assets | 40.2900% | 4,027 |
| Net loans and leases to deposits | 56.4147% | 3,617 |
| Net loans and leases to core deposits | 61.3980% | 3,564 |
| Total domestic deposits to total assets | 71.4200% | 4,314 |
| Equity capital to assets | 10.7421% | 1,494 |
| Core capital (leverage) ratio | 11.2020% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,224,737,000 | 832 |
| Average earning assets | $1,189,523,667 | 795 |
| Average equity | $142,343,000 | 691 |
| Average total loans | $587,785,000 | 1,091 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3924% | 731 |
| Cost of funding earning assets | 2.1867% | 201 |
| Net interest margin | 3.2057% | 3,104 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.4786% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5533% | 1,074 |
| Return on assets (ROA) | 1.5533% | 1,068 |
| Pretax return on assets | 1.9423% | 860 |
| Return on Equity (ROE) | 12.7900% | 2,024 |
| Retained earnings to average equity (ytd only) | 12.7940% | 1,124 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.2225% | 4,337 |
| Assets per employee ($millions) | 19.3641% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,231 |
| Loan loss allowance to noncurrent loans | 328.2593% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 1,976 |
| Noncurrent loans to loans | 0.4593% | 1,567 |
| Net loans and leases to total assets | 49.0200% | 3,566 |
| Net loans and leases to deposits | 82.4567% | 1,619 |
| Net loans and leases to core deposits | 93.3939% | 1,431 |
| Total domestic deposits to total assets | 59.4400% | 4,545 |
| Equity capital to assets | 11.9996% | 1,001 |
| Core capital (leverage) ratio | 12.2593% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,156,764,500 | 891 |
| Average earning assets | $1,121,880,500 | 849 |
| Average equity | $140,440,500 | 708 |
| Average total loans | $603,844,000 | 1,084 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 2,410 |
| Cost of funding earning assets | 0.9892% | 172 |
| Net interest margin | 2.7598% | 3,959 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.2840% | 4,565 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4078% | 1,112 |
| Return on assets (ROA) | 1.4082% | 1,072 |
| Pretax return on assets | 1.7565% | 809 |
| Return on Equity (ROE) | 12.2300% | 2,064 |
| Retained earnings to average equity (ytd only) | 7.0853% | 2,202 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.0612% | 4,487 |
| Assets per employee ($millions) | 22.6463% | 79 |
| Cash dividends to net income (ytd only)* | 42.0850% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,391 |
| Loan loss allowance to noncurrent loans | 230.5318% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 1,961 |
| Noncurrent loans to loans | 0.4338% | 1,624 |
| Net loans and leases to total assets | 54.1900% | 3,184 |
| Net loans and leases to deposits | 78.2157% | 1,922 |
| Net loans and leases to core deposits | 97.5404% | 1,127 |
| Total domestic deposits to total assets | 69.2900% | 4,486 |
| Equity capital to assets | 12.2881% | 854 |
| Core capital (leverage) ratio | 13.0583% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,181,131,200 | 868 |
| Average earning assets | $1,131,259,800 | 835 |
| Average equity | $135,958,200 | 724 |
| Average total loans | $534,351,200 | 1,124 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 2,778 |
| Cost of funding earning assets | 0.7758% | 169 |
| Net interest margin | 2.6737% | 3,983 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.2439% | 4,607 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3307% | 1,265 |
| Return on assets (ROA) | 1.3313% | 1,240 |
| Pretax return on assets | 1.6583% | 983 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.8077% | 2,078 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.6241% | 4,507 |
| Assets per employee ($millions) | 23.3999% | 72 |
| Cash dividends to net income (ytd only)* | 33.5711% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,339 |
| Loan loss allowance to noncurrent loans | 229.4226% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 1,993 |
| Noncurrent loans to loans | 0.4497% | 1,685 |
| Net loans and leases to total assets | 54.0700% | 3,093 |
| Net loans and leases to deposits | 78.9041% | 1,643 |
| Net loans and leases to core deposits | 102.1672% | 735 |
| Total domestic deposits to total assets | 68.5300% | 4,557 |
| Equity capital to assets | 12.4295% | 790 |
| Core capital (leverage) ratio | 12.3445% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,193,334,750 | 864 |
| Average earning assets | $1,139,306,000 | 833 |
| Average equity | $135,162,750 | 737 |
| Average total loans | $512,975,750 | 1,154 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 3,313 |
| Cost of funding earning assets | 0.6291% | 232 |
| Net interest margin | 2.4674% | 4,135 |
| Noninterest income to average assets | 0.2466% | 3,694 |
| Noninterest expense to average assets | 1.1317% | 4,668 |
| Loan and lease loss provision to assets | 0.0245% | 2,156 |
| Net operating income to assets | 1.1558% | 1,586 |
| Return on assets (ROA) | 1.1585% | 1,554 |
| Pretax return on assets | 1.4396% | 1,333 |
| Return on Equity (ROE) | 10.5354% | 2,155 |
| Retained earnings to average equity (ytd only) | 6.0794% | 2,311 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6555% | 4,528 |
| Assets per employee ($millions) | 26.2128% | 58 |
| Cash dividends to net income (ytd only)* | 42.2952% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,595 |
| Loan loss allowance to noncurrent loans | 228.8298% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 2,144 |
| Noncurrent loans to loans | 0.5328% | 1,553 |
| Net loans and leases to total assets | 43.5494% | 3,867 |
| Net loans and leases to deposits | 62.1795% | 2,877 |
| Net loans and leases to core deposits | 79.6792% | 1,737 |
| Total domestic deposits to total assets | 70.0381% | 4,618 |
| Equity capital to assets | 11.6960% | 962 |
| Core capital (leverage) ratio | 11.5069% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,224,514,667 | 841 |
| Average earning assets | $1,164,146,000 | 818 |
| Average equity | $134,650,667 | 747 |
| Average total loans | $483,680,333 | 1,198 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5900% | 4,136 |
| Cost of funding earning assets | 0.5627% | 341 |
| Net interest margin | 2.0272% | 4,493 |
| Noninterest income to average assets | 0.0997% | 4,510 |
| Noninterest expense to average assets | 0.9891% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8297% | 2,556 |
| Return on assets (ROA) | 0.8295% | 2,552 |
| Pretax return on assets | 1.0234% | 2,372 |
| Return on Equity (ROE) | 7.7694% | 2,771 |
| Retained earnings to average equity (ytd only) | -1.1507% | 4,155 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1405% | 4,352 |
| Assets per employee ($millions) | 30.5694% | 45 |
| Cash dividends to net income (ytd only)* | 114.8106% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,420 |
| Loan loss allowance to noncurrent loans | 223.2927% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,349 |
| Noncurrent loans to loans | 0.5769% | 1,604 |
| Net loans and leases to total assets | 36.9828% | 4,157 |
| Net loans and leases to deposits | 50.9325% | 3,651 |
| Net loans and leases to core deposits | 63.6080% | 2,825 |
| Total domestic deposits to total assets | 72.6115% | 4,609 |
| Equity capital to assets | 10.5704% | 1,565 |
| Core capital (leverage) ratio | 10.5466% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,260,091,000 | 822 |
| Average earning assets | $1,189,207,500 | 810 |
| Average equity | $134,527,500 | 760 |
| Average total loans | $471,280,000 | 1,213 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9431% | 3,976 |
| Cost of funding earning assets | 0.6212% | 494 |
| Net interest margin | 2.3218% | 4,396 |
| Noninterest income to average assets | 0.0721% | 4,675 |
| Noninterest expense to average assets | 0.8774% | 4,778 |
| Loan and lease loss provision to assets | 0.0951% | 1,316 |
| Net operating income to assets | 1.0956% | 2,309 |
| Return on assets (ROA) | 1.6769% | 698 |
| Pretax return on assets | 2.0842% | 512 |
| Return on Equity (ROE) | 16.1072% | 739 |
| Retained earnings to average equity (ytd only) | 14.4620% | 270 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6571% | 4,731 |
| Assets per employee ($millions) | 31.6709% | 49 |
| Cash dividends to net income (ytd only)* | 10.2145% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,456 |
| Loan loss allowance to noncurrent loans | 221.4495% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 2,483 |
| Noncurrent loans to loans | 0.5776% | 1,697 |
| Net loans and leases to total assets | 36.8586% | 4,246 |
| Net loans and leases to deposits | 50.5701% | 3,846 |
| Net loans and leases to core deposits | 64.1141% | 2,974 |
| Total domestic deposits to total assets | 72.8863% | 4,621 |
| Equity capital to assets | 10.7806% | 1,948 |
| Core capital (leverage) ratio | 10.3348% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,167,619,400 | 853 |
| Average earning assets | $1,135,485,400 | 811 |
| Average equity | $121,560,200 | 853 |
| Average total loans | $452,407,000 | 1,259 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0231% | 3,962 |
| Cost of funding earning assets | 0.6374% | 525 |
| Net interest margin | 2.3857% | 4,411 |
| Noninterest income to average assets | 0.0660% | 4,764 |
| Noninterest expense to average assets | 0.8700% | 4,858 |
| Loan and lease loss provision to assets | 0.1061% | 1,138 |
| Net operating income to assets | 1.1429% | 2,396 |
| Return on assets (ROA) | 1.9269% | 553 |
| Pretax return on assets | 2.3967% | 395 |
| Return on Equity (ROE) | 18.6922% | 548 |
| Retained earnings to average equity (ytd only) | 17.5604% | 217 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3579% | 4,806 |
| Assets per employee ($millions) | 29.7853% | 49 |
| Cash dividends to net income (ytd only)* | 6.0547% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,439 |
| Loan loss allowance to noncurrent loans | 244.6257% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,866 |
| Noncurrent loans to loans | 0.5355% | 1,976 |
| Net loans and leases to total assets | 34.4053% | 4,451 |
| Net loans and leases to deposits | 47.0176% | 4,177 |
| Net loans and leases to core deposits | 59.3741% | 3,521 |
| Total domestic deposits to total assets | 73.1755% | 4,663 |
| Equity capital to assets | 10.5771% | 2,391 |
| Core capital (leverage) ratio | 11.0899% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,142,815,000 | 877 |
| Average earning assets | $1,114,622,000 | 833 |
| Average equity | $117,807,250 | 891 |
| Average total loans | $447,261,500 | 1,290 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 3,944 |
| Cost of funding earning assets | 0.6546% | 553 |
| Net interest margin | 2.4023% | 4,416 |
| Noninterest income to average assets | 0.0376% | 4,857 |
| Noninterest expense to average assets | 0.8484% | 4,897 |
| Loan and lease loss provision to assets | 0.0912% | 1,372 |
| Net operating income to assets | 1.1833% | 2,250 |
| Return on assets (ROA) | 1.1830% | 2,318 |
| Pretax return on assets | 1.4504% | 2,177 |
| Return on Equity (ROE) | 11.5940% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.8070% | 1,459 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4947% | 4,846 |
| Assets per employee ($millions) | 32.6342% | 46 |
| Cash dividends to net income (ytd only)* | 15.4131% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 3,030 |
| Loan loss allowance to noncurrent loans | 228.7216% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 2,868 |
| Noncurrent loans to loans | 0.5176% | 2,121 |
| Net loans and leases to total assets | 40.9143% | 4,244 |
| Net loans and leases to deposits | 57.9041% | 3,553 |
| Net loans and leases to core deposits | 75.8377% | 2,255 |
| Total domestic deposits to total assets | 70.6587% | 4,742 |
| Equity capital to assets | 10.3470% | 2,544 |
| Core capital (leverage) ratio | 9.3749% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,096,831,333 | 896 |
| Average earning assets | $1,074,205,667 | 853 |
| Average equity | $111,920,333 | 925 |
| Average total loans | $447,515,000 | 1,295 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1121% | 3,856 |
| Cost of funding earning assets | 0.6486% | 702 |
| Net interest margin | 2.4635% | 4,350 |
| Noninterest income to average assets | 0.0026% | 4,932 |
| Noninterest expense to average assets | 0.8433% | 4,931 |
| Loan and lease loss provision to assets | 0.1100% | 1,259 |
| Net operating income to assets | 1.1935% | 2,175 |
| Return on assets (ROA) | 1.1929% | 2,245 |
| Pretax return on assets | 1.4603% | 2,107 |
| Return on Equity (ROE) | 11.7743% | 2,101 |
| Retained earnings to average equity (ytd only) | 8.6968% | 2,038 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9286% | 4,862 |
| Assets per employee ($millions) | 31.9837% | 49 |
| Cash dividends to net income (ytd only)* | 26.1378% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 3,058 |
| Loan loss allowance to noncurrent loans | 268.2540% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,297 |
| Noncurrent loans to loans | 0.4385% | 2,543 |
| Net loans and leases to total assets | 39.3147% | 4,372 |
| Net loans and leases to deposits | 54.8891% | 3,877 |
| Net loans and leases to core deposits | 70.7173% | 2,811 |
| Total domestic deposits to total assets | 71.6257% | 4,726 |
| Equity capital to assets | 9.5934% | 3,117 |
| Core capital (leverage) ratio | 9.4554% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,090,466,000 | 893 |
| Average earning assets | $1,067,591,000 | 849 |
| Average equity | $110,477,500 | 929 |
| Average total loans | $441,568,500 | 1,304 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 3,726 |
| Cost of funding earning assets | 1.0260% | 539 |
| Net interest margin | 2.6115% | 4,488 |
| Noninterest income to average assets | 0.0033% | 4,954 |
| Noninterest expense to average assets | 1.1982% | 4,900 |
| Loan and lease loss provision to assets | 0.1951% | 2,003 |
| Net operating income to assets | 0.9437% | 2,509 |
| Return on assets (ROA) | 3.4373% | 72 |
| Pretax return on assets | 4.2842% | 67 |
| Return on Equity (ROE) | 35.6313% | 46 |
| Retained earnings to average equity (ytd only) | 32.9397% | 22 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7946% | 4,681 |
| Assets per employee ($millions) | 28.6893% | 48 |
| Cash dividends to net income (ytd only)* | 7.5540% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,315 |
| Loan loss allowance to noncurrent loans | 301.1585% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 3,506 |
| Noncurrent loans to loans | 0.3746% | 2,861 |
| Net loans and leases to total assets | 40.7779% | 4,409 |
| Net loans and leases to deposits | 58.8123% | 3,843 |
| Net loans and leases to core deposits | 78.3750% | 2,527 |
| Total domestic deposits to total assets | 69.3357% | 4,790 |
| Equity capital to assets | 10.6984% | 2,529 |
| Core capital (leverage) ratio | 9.3530% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $875,401,200 | 986 |
| Average earning assets | $857,205,000 | 943 |
| Average equity | $84,448,200 | 1,107 |
| Average total loans | $416,976,800 | 1,306 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 3,549 |
| Cost of funding earning assets | 1.1156% | 505 |
| Net interest margin | 2.6910% | 4,476 |
| Noninterest income to average assets | -0.0066% | 5,003 |
| Noninterest expense to average assets | 1.1641% | 4,944 |
| Loan and lease loss provision to assets | 0.0158% | 4,126 |
| Net operating income to assets | 1.1579% | 1,794 |
| Return on assets (ROA) | 4.5175% | 46 |
| Pretax return on assets | 5.6480% | 44 |
| Return on Equity (ROE) | 48.5224% | 22 |
| Retained earnings to average equity (ytd only) | 46.3230% | 15 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2901% | 4,780 |
| Assets per employee ($millions) | 26.9996% | 48 |
| Cash dividends to net income (ytd only)* | 4.5328% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,290 |
| Loan loss allowance to noncurrent loans | 203.0488% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,619 |
| Noncurrent loans to loans | 0.4074% | 2,833 |
| Net loans and leases to total assets | 38.9090% | 4,597 |
| Net loans and leases to deposits | 56.1535% | 4,249 |
| Net loans and leases to core deposits | 75.7262% | 3,193 |
| Total domestic deposits to total assets | 69.2903% | 4,781 |
| Equity capital to assets | 10.1955% | 3,073 |
| Core capital (leverage) ratio | 9.6772% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $828,875,750 | 1,016 |
| Average earning assets | $811,617,750 | 979 |
| Average equity | $77,169,250 | 1,184 |
| Average total loans | $411,771,500 | 1,312 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 3,688 |
| Cost of funding earning assets | 1.2482% | 434 |
| Net interest margin | 2.6261% | 4,628 |
| Noninterest income to average assets | -0.0210% | 5,034 |
| Noninterest expense to average assets | 1.2435% | 4,962 |
| Loan and lease loss provision to assets | 0.0283% | 3,900 |
| Net operating income to assets | 1.0410% | 2,186 |
| Return on assets (ROA) | 3.0727% | 83 |
| Pretax return on assets | 3.8227% | 71 |
| Return on Equity (ROE) | 34.4730% | 44 |
| Retained earnings to average equity (ytd only) | 32.2326% | 26 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6717% | 4,579 |
| Assets per employee ($millions) | 23.9678% | 57 |
| Cash dividends to net income (ytd only)* | 6.4989% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 4,337 |
| 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 | 43.0742% | 4,498 |
| Net loans and leases to deposits | 64.2264% | 3,864 |
| Net loans and leases to core deposits | 85.0350% | 2,519 |
| Total domestic deposits to total assets | 67.0662% | 4,861 |
| Equity capital to assets | 9.5937% | 3,570 |
| Core capital (leverage) ratio | 9.2511% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $763,172,667 | 1,067 |
| Average earning assets | $748,575,000 | 1,014 |
| Average equity | $68,024,333 | 1,302 |
| Average total loans | $414,852,000 | 1,290 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,725 |
| Cost of funding earning assets | 1.4613% | 308 |
| Net interest margin | 2.5623% | 4,781 |
| Noninterest income to average assets | -0.0168% | 5,079 |
| Noninterest expense to average assets | 1.3345% | 4,993 |
| Loan and lease loss provision to assets | 0.0325% | 3,365 |
| Net operating income to assets | 0.9558% | 2,330 |
| Return on assets (ROA) | 0.9558% | 2,432 |
| Pretax return on assets | 1.1301% | 2,423 |
| Return on Equity (ROE) | 11.3473% | 1,306 |
| Retained earnings to average equity (ytd only) | 11.3473% | 509 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4425% | 4,440 |
| Assets per employee ($millions) | 16.6803% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,437 |
| 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 | 61.8579% | 3,314 |
| Net loans and leases to deposits | 83.2480% | 2,311 |
| Net loans and leases to core deposits | 96.7158% | 1,732 |
| Total domestic deposits to total assets | 74.3056% | 4,637 |
| Equity capital to assets | 8.2367% | 4,921 |
| Core capital (leverage) ratio | 8.7758% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4669% | 3,377 |
| Memoranda: | ||
| Average total assets | $665,403,500 | 1,162 |
| Average earning assets | $652,851,000 | 1,106 |
| Average equity | $56,048,500 | 1,498 |
| Average total loans | $414,130,000 | 1,260 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 3,368 |
| Cost of funding earning assets | 1.7976% | 142 |
| Net interest margin | 2.5617% | 4,935 |
| Noninterest income to average assets | 0.0108% | 5,109 |
| Noninterest expense to average assets | 1.4147% | 5,033 |
| Loan and lease loss provision to assets | 0.1498% | 1,424 |
| Net operating income to assets | 0.8199% | 3,489 |
| Return on assets (ROA) | 0.8177% | 3,592 |
| Pretax return on assets | 0.9590% | 3,576 |
| Return on Equity (ROE) | 8.0593% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.0593% | 957 |
| Net charge-offs to loans | -0.0008% | 4,165 |
| Credit loss provision to net charge-offs | -27,300.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0043% | 4,201 |
| Assets per employee ($millions) | 17.4631% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,353 |
| 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 | 61.6371% | 3,438 |
| Net loans and leases to deposits | 80.2940% | 2,743 |
| Net loans and leases to core deposits | 92.3106% | 2,206 |
| Total domestic deposits to total assets | 76.7642% | 4,517 |
| Equity capital to assets | 8.6108% | 4,865 |
| Core capital (leverage) ratio | 8.6087% | 4,779 |
| Tier 1 risk-based capital ratio | 11.7523% | 4,497 |
| Total risk-based capital ratio | 12.4323% | 4,678 |
| Memoranda: | ||
| Average total assets | $546,897,000 | 1,312 |
| Average earning assets | $536,992,600 | 1,257 |
| Average equity | $55,489,000 | 1,461 |
| Average total loans | $365,265,800 | 1,369 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 3,083 |
| Cost of funding earning assets | 1.8498% | 122 |
| Net interest margin | 2.6419% | 4,975 |
| Noninterest income to average assets | -0.0013% | 5,220 |
| Noninterest expense to average assets | 1.4236% | 5,102 |
| Loan and lease loss provision to assets | 0.0435% | 3,036 |
| Net operating income to assets | 0.9589% | 3,129 |
| Return on assets (ROA) | 0.9565% | 3,220 |
| Pretax return on assets | 1.1218% | 3,234 |
| Return on Equity (ROE) | 8.9910% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.9910% | 1,045 |
| Net charge-offs to loans | -0.0011% | 4,009 |
| Credit loss provision to net charge-offs | -5,633.3333% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9285% | 4,289 |
| Assets per employee ($millions) | 17.9316% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 4,581 |
| 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 | 54.1184% | 4,172 |
| Net loans and leases to deposits | 71.0974% | 3,676 |
| Net loans and leases to core deposits | 82.0166% | 3,245 |
| Total domestic deposits to total assets | 76.1186% | 4,640 |
| Equity capital to assets | 8.7691% | 4,887 |
| Core capital (leverage) ratio | 9.2572% | 4,421 |
| Tier 1 risk-based capital ratio | 13.5089% | 3,567 |
| Total risk-based capital ratio | 14.1381% | 3,808 |
| Memoranda: | ||
| Average total assets | $517,722,250 | 1,385 |
| Average earning assets | $508,154,000 | 1,321 |
| Average equity | $55,076,000 | 1,470 |
| Average total loans | $353,519,250 | 1,414 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 2,187 |
| Cost of funding earning assets | 1.9199% | 80 |
| Net interest margin | 2.8399% | 4,884 |
| Noninterest income to average assets | -0.0168% | 5,269 |
| Noninterest expense to average assets | 1.5533% | 5,089 |
| Loan and lease loss provision to assets | 0.0711% | 2,393 |
| Net operating income to assets | 0.9847% | 2,978 |
| Return on assets (ROA) | 0.9829% | 3,051 |
| Pretax return on assets | 1.1412% | 3,113 |
| Return on Equity (ROE) | 8.5585% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.5585% | 1,179 |
| Net charge-offs to loans | -0.0017% | 3,931 |
| Credit loss provision to net charge-offs | -5,633.3333% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1217% | 4,233 |
| Assets per employee ($millions) | 13.3165% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 4,598 |
| 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 | 71.1504% | 2,350 |
| Net loans and leases to deposits | 86.3641% | 2,214 |
| Net loans and leases to core deposits | 100.7047% | 1,657 |
| Total domestic deposits to total assets | 82.3842% | 3,409 |
| Equity capital to assets | 11.5886% | 2,534 |
| Core capital (leverage) ratio | 9.8280% | 3,792 |
| Tier 1 risk-based capital ratio | 14.6347% | 3,004 |
| Total risk-based capital ratio | 15.3290% | 3,199 |
| Memoranda: | ||
| Average total assets | $475,117,330 | 1,500 |
| Average earning assets | $465,866,000 | 1,430 |
| Average equity | $54,565,330 | 1,468 |
| Average total loans | $354,047,330 | 1,418 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 2,533 |
| Cost of funding earning assets | 1.7634% | 119 |
| Net interest margin | 2.8360% | 4,951 |
| Noninterest income to average assets | 0.0017% | 5,304 |
| Noninterest expense to average assets | 1.5688% | 5,123 |
| Loan and lease loss provision to assets | 0.1429% | 1,195 |
| Net operating income to assets | 0.9138% | 3,180 |
| Return on assets (ROA) | 0.9117% | 3,233 |
| Pretax return on assets | 1.0647% | 3,256 |
| Return on Equity (ROE) | 7.9748% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.9748% | 1,672 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4516% | 4,274 |
| Assets per employee ($millions) | 13.9231% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 4,762 |
| 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 | 73.9948% | 1,804 |
| Net loans and leases to deposits | 90.7897% | 1,528 |
| Net loans and leases to core deposits | 106.5194% | 1,138 |
| Total domestic deposits to total assets | 81.5013% | 3,855 |
| Equity capital to assets | 11.2157% | 2,636 |
| Core capital (leverage) ratio | 10.8366% | 2,730 |
| Tier 1 risk-based capital ratio | 14.1515% | 3,271 |
| Total risk-based capital ratio | 14.8277% | 3,481 |
| Memoranda: | ||
| Average total assets | $472,979,500 | 1,515 |
| Average earning assets | $463,186,000 | 1,438 |
| Average equity | $54,070,500 | 1,470 |
| Average total loans | $359,235,500 | 1,406 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,568 |
| Cost of funding earning assets | 1.4363% | 115 |
| Net interest margin | 2.7177% | 5,085 |
| Noninterest income to average assets | 0.0004% | 5,349 |
| Noninterest expense to average assets | 1.5470% | 5,199 |
| Loan and lease loss provision to assets | 0.1091% | 2,017 |
| Net operating income to assets | 0.8560% | 3,590 |
| Return on assets (ROA) | 0.8547% | 3,591 |
| Pretax return on assets | 0.9937% | 3,626 |
| Return on Equity (ROE) | 8.4755% | 3,230 |
| Retained earnings to average equity (ytd only) | 8.4755% | 1,054 |
| Net charge-offs to loans | 0.0893% | 1,887 |
| Credit loss provision to net charge-offs | 166.8810% | 1,662 |
| Earnings coverage of net charge-offs (x) | 16.8842% | 2,223 |
| Efficiency ratio | 58.3485% | 4,108 |
| Assets per employee ($millions) | 13.1043% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,848 |
| 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 | 76.9434% | 1,450 |
| Net loans and leases to deposits | 95.3962% | 1,131 |
| Net loans and leases to core deposits | 110.7356% | 957 |
| Total domestic deposits to total assets | 80.6567% | 3,966 |
| Equity capital to assets | 11.6616% | 2,130 |
| Core capital (leverage) ratio | 10.7616% | 2,774 |
| Tier 1 risk-based capital ratio | 14.4155% | 3,105 |
| Total risk-based capital ratio | 15.0679% | 3,306 |
| Memoranda: | ||
| Average total assets | $475,493,200 | 1,469 |
| Average earning assets | $463,818,800 | 1,407 |
| Average equity | $47,949,800 | 1,572 |
| Average total loans | $348,405,800 | 1,411 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,810 |
| Cost of funding earning assets | 1.3544% | 129 |
| Net interest margin | 2.6878% | 5,176 |
| Noninterest income to average assets | 0.0111% | 5,405 |
| Noninterest expense to average assets | 1.5203% | 5,263 |
| Loan and lease loss provision to assets | 0.0695% | 2,582 |
| Net operating income to assets | 0.8957% | 3,550 |
| Return on assets (ROA) | 0.8950% | 3,561 |
| Pretax return on assets | 1.0398% | 3,611 |
| Return on Equity (ROE) | 9.2197% | 2,993 |
| Retained earnings to average equity (ytd only) | 9.2197% | 1,144 |
| Net charge-offs to loans | -0.0035% | 4,160 |
| Credit loss provision to net charge-offs | -2,777.7778% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7980% | 4,156 |
| Assets per employee ($millions) | 14.0320% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6814% | 4,908 |
| Loan loss allowance to noncurrent loans | 734.3284% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 4,639 |
| Noncurrent loans to loans | 0.0928% | 4,471 |
| Net loans and leases to total assets | 73.0122% | 2,164 |
| Net loans and leases to deposits | 93.1245% | 1,490 |
| Net loans and leases to core deposits | 104.4284% | 1,426 |
| Total domestic deposits to total assets | 78.4028% | 4,420 |
| Equity capital to assets | 10.6559% | 2,979 |
| Core capital (leverage) ratio | 10.5516% | 3,036 |
| Tier 1 risk-based capital ratio | 13.5210% | 3,618 |
| Total risk-based capital ratio | 14.1538% | 3,865 |
| Memoranda: | ||
| Average total assets | $479,704,250 | 1,462 |
| Average earning assets | $467,484,250 | 1,397 |
| Average equity | $46,565,750 | 1,612 |
| Average total loans | $346,680,000 | 1,424 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,977 |
| Cost of funding earning assets | 1.2699% | 139 |
| Net interest margin | 2.6670% | 5,236 |
| Noninterest income to average assets | 0.0256% | 5,448 |
| Noninterest expense to average assets | 1.5533% | 5,301 |
| Loan and lease loss provision to assets | 0.0420% | 3,059 |
| Net operating income to assets | 0.8954% | 3,472 |
| Return on assets (ROA) | 0.8947% | 3,487 |
| Pretax return on assets | 1.0385% | 3,546 |
| Return on Equity (ROE) | 9.5378% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.5378% | 1,060 |
| Net charge-offs to loans | -0.0012% | 3,899 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9568% | 4,093 |
| Assets per employee ($millions) | 13.9686% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6609% | 5,012 |
| Loan loss allowance to noncurrent loans | 687.4627% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 4,674 |
| Noncurrent loans to loans | 0.0961% | 4,484 |
| Net loans and leases to total assets | 70.7999% | 2,460 |
| Net loans and leases to deposits | 107.4868% | 372 |
| Net loans and leases to core deposits | 114.8699% | 754 |
| Total domestic deposits to total assets | 65.8684% | 5,389 |
| Equity capital to assets | 9.3139% | 4,272 |
| Core capital (leverage) ratio | 9.0466% | 4,651 |
| Tier 1 risk-based capital ratio | 12.3085% | 4,304 |
| Total risk-based capital ratio | 12.9328% | 4,579 |
| Memoranda: | ||
| Average total assets | $475,899,330 | 1,482 |
| Average earning assets | $465,549,330 | 1,404 |
| Average equity | $44,643,330 | 1,685 |
| Average total loans | $341,894,330 | 1,437 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 4,227 |
| Cost of funding earning assets | 1.1777% | 155 |
| Net interest margin | 2.6192% | 5,312 |
| Noninterest income to average assets | 0.0281% | 5,518 |
| Noninterest expense to average assets | 1.5944% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8724% | 3,409 |
| Return on assets (ROA) | 0.8709% | 3,431 |
| Pretax return on assets | 0.9962% | 3,547 |
| Return on Equity (ROE) | 9.2495% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.2495% | 1,380 |
| Net charge-offs to loans | -0.0012% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5056% | 3,870 |
| Assets per employee ($millions) | 15.1152% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6569% | 5,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.7619% | 2,930 |
| Net loans and leases to deposits | 100.6240% | 666 |
| Net loans and leases to core deposits | 118.0439% | 649 |
| Total domestic deposits to total assets | 66.3479% | 5,455 |
| Equity capital to assets | 8.9054% | 4,653 |
| Core capital (leverage) ratio | 9.5861% | 3,976 |
| Tier 1 risk-based capital ratio | 12.4817% | 4,250 |
| Total risk-based capital ratio | 13.1021% | 4,532 |
| Memoranda: | ||
| Average total assets | $469,398,000 | 1,512 |
| Average earning assets | $459,522,000 | 1,434 |
| Average equity | $44,197,000 | 1,701 |
| Average total loans | $338,619,000 | 1,452 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,302 |
| Cost of funding earning assets | 1.0512% | 161 |
| Net interest margin | 2.6638% | 5,304 |
| Noninterest income to average assets | 0.0463% | 5,541 |
| Noninterest expense to average assets | 1.7400% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7031% | 3,591 |
| Return on assets (ROA) | 0.7173% | 3,574 |
| Pretax return on assets | 0.9381% | 3,787 |
| Return on Equity (ROE) | 7.3057% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.3057% | 980 |
| Net charge-offs to loans | 0.0715% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 18.7324% | 2,064 |
| Efficiency ratio | 65.4276% | 3,359 |
| Assets per employee ($millions) | 12.2232% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 5,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.2270% | 1,388 |
| Net loans and leases to deposits | 100.2032% | 713 |
| Net loans and leases to core deposits | 115.6012% | 734 |
| Total domestic deposits to total assets | 77.0705% | 4,849 |
| Equity capital to assets | 10.0024% | 3,705 |
| Core capital (leverage) ratio | 9.0045% | 4,644 |
| Tier 1 risk-based capital ratio | 12.5622% | 4,170 |
| Total risk-based capital ratio | 13.2005% | 4,447 |
| Memoranda: | ||
| Average total assets | $433,977,200 | 1,593 |
| Average earning assets | $425,704,000 | 1,514 |
| Average equity | $42,610,800 | 1,749 |
| Average total loans | $297,963,000 | 1,578 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 4,503 |
| Cost of funding earning assets | 0.9848% | 210 |
| Net interest margin | 2.6403% | 5,376 |
| Noninterest income to average assets | 0.0518% | 5,606 |
| Noninterest expense to average assets | 1.7009% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7233% | 3,860 |
| Return on assets (ROA) | 0.7421% | 3,839 |
| Pretax return on assets | 0.9656% | 3,816 |
| Return on Equity (ROE) | 7.5941% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5941% | 1,389 |
| Net charge-offs to loans | 0.0915% | 1,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.4974% | 2,224 |
| Efficiency ratio | 64.3757% | 3,473 |
| Assets per employee ($millions) | 13.3996% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 5,244 |
| Loan loss allowance to noncurrent loans | 517.9907% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,811 |
| Noncurrent loans to loans | 0.1249% | 4,559 |
| Net loans and leases to total assets | 68.6968% | 2,741 |
| Net loans and leases to deposits | 85.5360% | 2,359 |
| Net loans and leases to core deposits | 97.4381% | 1,937 |
| Total domestic deposits to total assets | 80.3133% | 4,250 |
| Equity capital to assets | 8.7901% | 5,089 |
| Core capital (leverage) ratio | 8.9446% | 4,810 |
| Tier 1 risk-based capital ratio | 12.2902% | 4,438 |
| Total risk-based capital ratio | 12.9280% | 4,732 |
| Memoranda: | ||
| Average total assets | $432,462,750 | 1,611 |
| Average earning assets | $424,291,750 | 1,534 |
| Average equity | $42,260,000 | 1,773 |
| Average total loans | $286,947,000 | 1,634 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 4,502 |
| Cost of funding earning assets | 0.9037% | 295 |
| Net interest margin | 2.6993% | 5,358 |
| Noninterest income to average assets | 0.0647% | 5,611 |
| Noninterest expense to average assets | 1.8398% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6899% | 3,888 |
| Return on assets (ROA) | 0.6899% | 3,955 |
| Pretax return on assets | 0.8708% | 4,031 |
| Return on Equity (ROE) | 6.7862% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.7862% | 1,692 |
| Net charge-offs to loans | 0.1453% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.1846% | 2,456 |
| Efficiency ratio | 67.8744% | 3,036 |
| Assets per employee ($millions) | 11.3430% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 5,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.7206% | 2,999 |
| Net loans and leases to deposits | 79.0162% | 3,017 |
| Net loans and leases to core deposits | 89.1105% | 2,603 |
| Total domestic deposits to total assets | 84.4391% | 3,034 |
| Equity capital to assets | 9.9031% | 4,029 |
| Core capital (leverage) ratio | 9.4505% | 4,180 |
| Tier 1 risk-based capital ratio | 13.2096% | 3,869 |
| Total risk-based capital ratio | 13.9119% | 4,121 |
| Memoranda: | ||
| Average total assets | $411,355,000 | 1,677 |
| Average earning assets | $403,216,000 | 1,602 |
| Average equity | $41,820,000 | 1,787 |
| Average total loans | $268,327,330 | 1,726 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 4,526 |
| Cost of funding earning assets | 0.7676% | 586 |
| Net interest margin | 2.7900% | 5,261 |
| Noninterest income to average assets | 0.0976% | 5,600 |
| Noninterest expense to average assets | 1.7384% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8408% | 3,038 |
| Return on assets (ROA) | 0.8408% | 3,085 |
| Pretax return on assets | 1.0929% | 3,017 |
| Return on Equity (ROE) | 8.1572% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.1572% | 1,394 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4004% | 4,243 |
| Assets per employee ($millions) | 11.1051% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,590 |
| Loan loss allowance to noncurrent loans | 1,237.9487% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 4,427 |
| Noncurrent loans to loans | 0.0761% | 4,895 |
| Net loans and leases to total assets | 63.4712% | 3,337 |
| Net loans and leases to deposits | 83.7855% | 2,309 |
| Net loans and leases to core deposits | 93.7408% | 2,006 |
| Total domestic deposits to total assets | 75.7543% | 5,255 |
| Equity capital to assets | 10.4827% | 3,203 |
| Core capital (leverage) ratio | 10.4581% | 2,950 |
| Tier 1 risk-based capital ratio | 14.5248% | 3,180 |
| Total risk-based capital ratio | 15.3766% | 3,320 |
| Memoranda: | ||
| Average total assets | $401,515,000 | 1,726 |
| Average earning assets | $393,410,500 | 1,642 |
| Average equity | $41,387,000 | 1,800 |
| Average total loans | $257,587,000 | 1,789 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 4,263 |
| Cost of funding earning assets | 0.6676% | 964 |
| Net interest margin | 3.0158% | 4,924 |
| Noninterest income to average assets | 0.0681% | 5,728 |
| Noninterest expense to average assets | 2.0913% | 5,017 |
| Loan and lease loss provision to assets | 0.1073% | 2,255 |
| Net operating income to assets | 0.6537% | 3,981 |
| Return on assets (ROA) | 0.6598% | 4,068 |
| Pretax return on assets | 0.8273% | 4,103 |
| Return on Equity (ROE) | 5.9986% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.9986% | 1,706 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2879% | 3,024 |
| Assets per employee ($millions) | 11.5213% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,645 |
| Loan loss allowance to noncurrent loans | 119.8015% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 3,260 |
| Noncurrent loans to loans | 0.7780% | 2,577 |
| Net loans and leases to total assets | 63.6332% | 3,406 |
| Net loans and leases to deposits | 83.9907% | 2,418 |
| Net loans and leases to core deposits | 95.3219% | 1,978 |
| Total domestic deposits to total assets | 75.7622% | 5,266 |
| Equity capital to assets | 10.1342% | 3,568 |
| Core capital (leverage) ratio | 11.2201% | 2,153 |
| Tier 1 risk-based capital ratio | 14.1333% | 3,392 |
| Total risk-based capital ratio | 14.9795% | 3,534 |
| Memoranda: | ||
| Average total assets | $339,170,400 | 1,954 |
| Average earning assets | $331,787,600 | 1,863 |
| Average equity | $37,308,600 | 1,962 |
| Average total loans | $204,189,200 | 2,086 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,073 |
| Cost of funding earning assets | 0.6598% | 1,006 |
| Net interest margin | 3.0930% | 4,791 |
| Noninterest income to average assets | 0.0520% | 5,833 |
| Noninterest expense to average assets | 2.1059% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7567% | 3,578 |
| Return on assets (ROA) | 0.7654% | 3,670 |
| Pretax return on assets | 0.9803% | 3,705 |
| Return on Equity (ROE) | 6.7911% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.7911% | 1,728 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4825% | 3,142 |
| Assets per employee ($millions) | 9.5383% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,217 |
| Loan loss allowance to noncurrent loans | 872.7660% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 5,155 |
| Noncurrent loans to loans | 0.1184% | 4,866 |
| Net loans and leases to total assets | 58.8207% | 4,012 |
| Net loans and leases to deposits | 83.4383% | 2,551 |
| Net loans and leases to core deposits | 85.5838% | 2,983 |
| Total domestic deposits to total assets | 70.4960% | 5,666 |
| Equity capital to assets | 12.2900% | 1,902 |
| Core capital (leverage) ratio | 12.0789% | 1,619 |
| Tier 1 risk-based capital ratio | 16.8177% | 2,288 |
| Total risk-based capital ratio | 17.6814% | 2,397 |
| Memoranda: | ||
| Average total assets | $323,151,250 | 2,051 |
| Average earning assets | $315,846,000 | 1,944 |
| Average equity | $36,419,250 | 2,012 |
| Average total loans | $190,483,250 | 2,205 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,839 |
| Cost of funding earning assets | 0.6291% | 1,148 |
| Net interest margin | 3.2031% | 4,532 |
| Noninterest income to average assets | 0.0613% | 5,885 |
| Noninterest expense to average assets | 2.1440% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8123% | 3,253 |
| Return on assets (ROA) | 0.8254% | 3,328 |
| Pretax return on assets | 1.0632% | 3,349 |
| Return on Equity (ROE) | 7.5625% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.5625% | 1,354 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2028% | 3,500 |
| Assets per employee ($millions) | 8.8085% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,773 |
| Loan loss allowance to noncurrent loans | 872.7660% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 5,227 |
| Noncurrent loans to loans | 0.1297% | 4,920 |
| Net loans and leases to total assets | 58.1133% | 4,103 |
| Net loans and leases to deposits | 79.1943% | 3,034 |
| Net loans and leases to core deposits | 81.0072% | 3,366 |
| Total domestic deposits to total assets | 73.3806% | 5,578 |
| Equity capital to assets | 11.5421% | 2,500 |
| Core capital (leverage) ratio | 10.8897% | 2,543 |
| Tier 1 risk-based capital ratio | 15.2160% | 2,977 |
| Total risk-based capital ratio | 16.1233% | 3,068 |
| Memoranda: | ||
| Average total assets | $319,588,330 | 2,077 |
| Average earning assets | $312,202,000 | 1,977 |
| Average equity | $34,882,670 | 2,093 |
| Average total loans | $187,838,330 | 2,234 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 3,994 |
| Cost of funding earning assets | 0.6074% | 1,286 |
| Net interest margin | 3.1781% | 4,649 |
| Noninterest income to average assets | 0.0873% | 5,862 |
| Noninterest expense to average assets | 2.1548% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8228% | 3,135 |
| Return on assets (ROA) | 0.8228% | 3,260 |
| Pretax return on assets | 1.0405% | 3,324 |
| Return on Equity (ROE) | 7.7493% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.7493% | 1,567 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4365% | 3,552 |
| Assets per employee ($millions) | 8.8182% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,380 |
| Loan loss allowance to noncurrent loans | 621.5152% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 5,162 |
| Noncurrent loans to loans | 0.1675% | 4,821 |
| Net loans and leases to total assets | 61.3978% | 3,607 |
| Net loans and leases to deposits | 82.5726% | 2,476 |
| Net loans and leases to core deposits | 84.3785% | 2,901 |
| Total domestic deposits to total assets | 74.3561% | 5,581 |
| Equity capital to assets | 10.9996% | 2,944 |
| Core capital (leverage) ratio | 10.6319% | 2,818 |
| Tier 1 risk-based capital ratio | 13.7941% | 3,818 |
| Total risk-based capital ratio | 14.6324% | 3,973 |
| Memoranda: | ||
| Average total assets | $325,233,500 | 2,055 |
| Average earning assets | $318,051,500 | 1,946 |
| Average equity | $34,532,000 | 2,115 |
| Average total loans | $191,151,000 | 2,200 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,605 |
| Cost of funding earning assets | 0.5310% | 1,918 |
| Net interest margin | 3.3976% | 3,927 |
| Noninterest income to average assets | 0.0675% | 5,959 |
| Noninterest expense to average assets | 2.2706% | 4,871 |
| Loan and lease loss provision to assets | 0.0877% | 2,544 |
| Net operating income to assets | 0.8731% | 3,006 |
| Return on assets (ROA) | 0.8574% | 3,148 |
| Pretax return on assets | 1.0140% | 3,402 |
| Return on Equity (ROE) | 8.5121% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.5121% | 771 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9639% | 3,757 |
| Assets per employee ($millions) | 8.7634% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 4,016 |
| Loan loss allowance to noncurrent loans | 548.1283% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 4,881 |
| Noncurrent loans to loans | 0.2018% | 4,696 |
| Net loans and leases to total assets | 55.0402% | 4,384 |
| Net loans and leases to deposits | 74.9882% | 3,383 |
| Net loans and leases to core deposits | 77.2124% | 3,641 |
| Total domestic deposits to total assets | 73.3985% | 5,696 |
| Equity capital to assets | 10.2534% | 3,675 |
| Core capital (leverage) ratio | 10.2691% | 3,190 |
| Tier 1 risk-based capital ratio | 14.4427% | 3,471 |
| Total risk-based capital ratio | 15.3377% | 3,588 |
| Memoranda: | ||
| Average total assets | $297,631,200 | 2,161 |
| Average earning assets | $291,121,400 | 2,071 |
| Average equity | $29,981,000 | 2,319 |
| Average total loans | $177,593,000 | 2,266 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,351 |
| Cost of funding earning assets | 0.5155% | 2,077 |
| Net interest margin | 3.4836% | 3,611 |
| Noninterest income to average assets | 0.0725% | 6,037 |
| Noninterest expense to average assets | 2.2669% | 4,869 |
| Loan and lease loss provision to assets | 0.1205% | 1,889 |
| Net operating income to assets | 0.9298% | 2,803 |
| Return on assets (ROA) | 0.9298% | 2,895 |
| Pretax return on assets | 1.0924% | 3,262 |
| Return on Equity (ROE) | 9.2787% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.2787% | 799 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1453% | 4,042 |
| Assets per employee ($millions) | 10.4413% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 4,067 |
| Loan loss allowance to noncurrent loans | 548.1283% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,942 |
| Noncurrent loans to loans | 0.2058% | 4,827 |
| Net loans and leases to total assets | 57.3655% | 4,215 |
| Net loans and leases to deposits | 80.0395% | 2,882 |
| Net loans and leases to core deposits | 82.6336% | 3,182 |
| Total domestic deposits to total assets | 71.6715% | 5,885 |
| Equity capital to assets | 10.7333% | 3,320 |
| Core capital (leverage) ratio | 10.9156% | 2,578 |
| Tier 1 risk-based capital ratio | 14.6224% | 3,489 |
| Total risk-based capital ratio | 15.5436% | 3,602 |
| Memoranda: | ||
| Average total assets | $288,786,250 | 2,233 |
| Average earning assets | $282,459,500 | 2,131 |
| Average equity | $28,940,000 | 2,410 |
| Average total loans | $175,656,250 | 2,295 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,268 |
| Cost of funding earning assets | 0.4905% | 2,345 |
| Net interest margin | 3.5146% | 3,442 |
| Noninterest income to average assets | 0.0855% | 6,073 |
| Noninterest expense to average assets | 2.3497% | 4,713 |
| Loan and lease loss provision to assets | 0.1860% | 1,085 |
| Net operating income to assets | 0.8930% | 2,915 |
| Return on assets (ROA) | 0.8930% | 3,043 |
| Pretax return on assets | 0.9863% | 3,640 |
| Return on Equity (ROE) | 9.1528% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.1528% | 875 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7139% | 3,881 |
| Assets per employee ($millions) | 9.1037% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 4,310 |
| Loan loss allowance to noncurrent loans | 548.1283% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 5,047 |
| Noncurrent loans to loans | 0.2010% | 4,966 |
| Net loans and leases to total assets | 59.4559% | 3,913 |
| Net loans and leases to deposits | 83.9283% | 2,321 |
| Net loans and leases to core deposits | 86.8260% | 2,674 |
| Total domestic deposits to total assets | 70.8413% | 5,996 |
| Equity capital to assets | 8.9940% | 5,240 |
| Core capital (leverage) ratio | 8.9133% | 5,076 |
| Tier 1 risk-based capital ratio | 11.7824% | 5,292 |
| Total risk-based capital ratio | 12.6843% | 5,427 |
| Memoranda: | ||
| Average total assets | $280,635,330 | 2,298 |
| Average earning assets | $274,401,000 | 2,202 |
| Average equity | $27,379,670 | 2,529 |
| Average total loans | $173,628,000 | 2,329 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 3,143 |
| Cost of funding earning assets | 0.4888% | 2,391 |
| Net interest margin | 3.5352% | 3,283 |
| Noninterest income to average assets | 0.1232% | 5,984 |
| Noninterest expense to average assets | 2.5606% | 4,061 |
| Loan and lease loss provision to assets | 0.2419% | 694 |
| Net operating income to assets | 0.7769% | 3,383 |
| Return on assets (ROA) | 0.7769% | 3,517 |
| Pretax return on assets | 0.7769% | 4,325 |
| Return on Equity (ROE) | 7.6169% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.6169% | 1,717 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5365% | 3,243 |
| Assets per employee ($millions) | 8.8039% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 4,276 |
| Loan loss allowance to noncurrent loans | 521.3904% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,946 |
| Noncurrent loans to loans | 0.2199% | 4,989 |
| Net loans and leases to total assets | 65.8378% | 2,806 |
| Net loans and leases to deposits | 84.0020% | 2,077 |
| Net loans and leases to core deposits | 85.7989% | 2,568 |
| Total domestic deposits to total assets | 78.3764% | 5,374 |
| Equity capital to assets | 10.7444% | 3,270 |
| Core capital (leverage) ratio | 9.2675% | 4,630 |
| Tier 1 risk-based capital ratio | 12.7921% | 4,729 |
| Total risk-based capital ratio | 13.7498% | 4,815 |
| Memoranda: | ||
| Average total assets | $266,189,500 | 2,419 |
| Average earning assets | $260,238,500 | 2,311 |
| Average equity | $27,150,000 | 2,566 |
| Average total loans | $167,401,000 | 2,406 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,480 |
| Cost of funding earning assets | 0.3961% | 3,732 |
| Net interest margin | 3.6641% | 3,153 |
| Noninterest income to average assets | 0.1843% | 5,754 |
| Noninterest expense to average assets | 2.9626% | 2,961 |
| Loan and lease loss provision to assets | 0.3248% | 604 |
| Net operating income to assets | 0.4745% | 4,908 |
| Return on assets (ROA) | 0.4991% | 4,907 |
| Pretax return on assets | 0.4991% | 5,258 |
| Return on Equity (ROE) | 4.7113% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.7113% | 2,826 |
| Net charge-offs to loans | 0.3785% | 1,137 |
| Credit loss provision to net charge-offs | 161.4000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 3.9720% | 3,772 |
| Efficiency ratio | 78.7525% | 2,096 |
| Assets per employee ($millions) | 7.6963% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 4,610 |
| Loan loss allowance to noncurrent loans | 446.1347% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 5,042 |
| Noncurrent loans to loans | 0.2434% | 4,959 |
| Net loans and leases to total assets | 58.8201% | 3,944 |
| Net loans and leases to deposits | 82.2711% | 2,441 |
| Net loans and leases to core deposits | 83.5144% | 2,952 |
| Total domestic deposits to total assets | 71.4955% | 6,118 |
| Equity capital to assets | 9.6974% | 4,475 |
| Core capital (leverage) ratio | 9.4006% | 4,385 |
| Tier 1 risk-based capital ratio | 12.9346% | 4,765 |
| Total risk-based capital ratio | 13.8411% | 4,897 |
| Memoranda: | ||
| Average total assets | $248,463,400 | 2,540 |
| Average earning assets | $242,594,800 | 2,404 |
| Average equity | $26,319,800 | 2,545 |
| Average total loans | $132,104,800 | 2,827 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,308 |
| Cost of funding earning assets | 0.3858% | 3,948 |
| Net interest margin | 3.7317% | 2,891 |
| Noninterest income to average assets | 0.1956% | 5,752 |
| Noninterest expense to average assets | 3.0018% | 2,793 |
| Loan and lease loss provision to assets | 0.0967% | 2,431 |
| Net operating income to assets | 0.6825% | 4,027 |
| Return on assets (ROA) | 0.7139% | 3,969 |
| Pretax return on assets | 0.7702% | 4,465 |
| Return on Equity (ROE) | 6.5792% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.5792% | 2,053 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2740% | 2,142 |
| Assets per employee ($millions) | 5.9287% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 4,923 |
| Loan loss allowance to noncurrent loans | 183.9068% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 4,506 |
| Noncurrent loans to loans | 0.5788% | 4,185 |
| Net loans and leases to total assets | 59.0410% | 3,923 |
| Net loans and leases to deposits | 84.9082% | 2,047 |
| Net loans and leases to core deposits | 87.1609% | 2,522 |
| Total domestic deposits to total assets | 69.5351% | 6,298 |
| Equity capital to assets | 10.3779% | 3,701 |
| Core capital (leverage) ratio | 10.2789% | 3,312 |
| Tier 1 risk-based capital ratio | 13.6193% | 4,463 |
| Total risk-based capital ratio | 14.5015% | 4,635 |
| Memoranda: | ||
| Average total assets | $241,313,000 | 2,617 |
| Average earning assets | $235,346,500 | 2,486 |
| Average equity | $26,182,750 | 2,559 |
| Average total loans | $123,941,250 | 2,996 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,247 |
| Cost of funding earning assets | 0.3819% | 4,082 |
| Net interest margin | 3.7426% | 2,787 |
| Noninterest income to average assets | 0.2087% | 5,706 |
| Noninterest expense to average assets | 2.9046% | 3,146 |
| Loan and lease loss provision to assets | 0.1065% | 2,241 |
| Net operating income to assets | 0.7590% | 3,522 |
| Return on assets (ROA) | 0.7590% | 3,624 |
| Pretax return on assets | 0.8458% | 4,095 |
| Return on Equity (ROE) | 6.8839% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.8839% | 1,821 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3092% | 2,756 |
| Assets per employee ($millions) | 5.1465% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,333 |
| Loan loss allowance to noncurrent loans | 160.7000% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 3,763 |
| Noncurrent loans to loans | 0.7587% | 3,804 |
| Net loans and leases to total assets | 53.8262% | 4,562 |
| Net loans and leases to deposits | 74.4170% | 3,274 |
| Net loans and leases to core deposits | 76.5806% | 3,564 |
| Total domestic deposits to total assets | 72.3305% | 6,227 |
| Equity capital to assets | 11.0441% | 2,831 |
| Core capital (leverage) ratio | 10.6022% | 2,821 |
| Tier 1 risk-based capital ratio | 14.1303% | 4,172 |
| Total risk-based capital ratio | 15.0321% | 4,352 |
| Memoranda: | ||
| Average total assets | $234,797,000 | 2,683 |
| Average earning assets | $228,878,000 | 2,560 |
| Average equity | $25,886,330 | 2,575 |
| Average total loans | $113,364,330 | 3,185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,974 |
| Cost of funding earning assets | 0.3726% | 4,282 |
| Net interest margin | 3.5558% | 3,453 |
| Noninterest income to average assets | 0.1366% | 6,160 |
| Noninterest expense to average assets | 2.7727% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7213% | 3,581 |
| Return on assets (ROA) | 0.7213% | 3,667 |
| Pretax return on assets | 0.8303% | 3,975 |
| Return on Equity (ROE) | 6.5482% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.5482% | 2,253 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9563% | 2,657 |
| Assets per employee ($millions) | 5.6860% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,075 |
| Loan loss allowance to noncurrent loans | 148.2000% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 3,788 |
| Noncurrent loans to loans | 0.8839% | 3,671 |
| Net loans and leases to total assets | 49.0932% | 4,991 |
| Net loans and leases to deposits | 69.2580% | 3,696 |
| Net loans and leases to core deposits | 71.1545% | 3,964 |
| Total domestic deposits to total assets | 70.8845% | 6,405 |
| Equity capital to assets | 11.4338% | 2,305 |
| Core capital (leverage) ratio | 10.7922% | 2,607 |
| Tier 1 risk-based capital ratio | 15.5266% | 3,419 |
| Total risk-based capital ratio | 16.4580% | 3,564 |
| Memoranda: | ||
| Average total assets | $231,253,500 | 2,733 |
| Average earning assets | $225,436,000 | 2,600 |
| Average equity | $25,472,500 | 2,600 |
| Average total loans | $104,144,500 | 3,386 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,901 |
| Cost of funding earning assets | 0.3973% | 4,684 |
| Net interest margin | 3.9171% | 2,230 |
| Noninterest income to average assets | 0.5148% | 3,666 |
| Noninterest expense to average assets | 2.7039% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3367% | 1,163 |
| Return on assets (ROA) | 1.3709% | 1,130 |
| Pretax return on assets | 1.6662% | 1,022 |
| Return on Equity (ROE) | 11.9621% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.9621% | 321 |
| Net charge-offs to loans | -0.0043% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4685% | 5,129 |
| Assets per employee ($millions) | 7.3459% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 2,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 5,273 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 39.8472% | 5,980 |
| Net loans and leases to deposits | 55.0545% | 5,383 |
| Net loans and leases to core deposits | 56.3932% | 5,505 |
| Total domestic deposits to total assets | 72.3778% | 6,398 |
| Equity capital to assets | 10.6097% | 3,035 |
| Core capital (leverage) ratio | 10.2791% | 3,180 |
| Tier 1 risk-based capital ratio | 16.5898% | 2,801 |
| Total risk-based capital ratio | 17.6021% | 2,883 |
| Memoranda: | ||
| Average total assets | $210,957,400 | 2,906 |
| Average earning assets | $205,380,600 | 2,775 |
| Average equity | $24,176,400 | 2,712 |
| Average total loans | $92,737,000 | 3,627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 2,376 |
| Cost of funding earning assets | 0.3983% | 4,830 |
| Net interest margin | 4.0650% | 1,741 |
| Noninterest income to average assets | 0.5114% | 3,726 |
| Noninterest expense to average assets | 2.6805% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4291% | 1,034 |
| Return on assets (ROA) | 1.5218% | 909 |
| Pretax return on assets | 1.9037% | 703 |
| Return on Equity (ROE) | 13.0020% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.0020% | 334 |
| Net charge-offs to loans | -0.0058% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9884% | 5,437 |
| Assets per employee ($millions) | 5.7988% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,584 |
| Loan loss allowance to noncurrent loans | 74,050.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 5,402 |
| Noncurrent loans to loans | 0.0020% | 6,397 |
| Net loans and leases to total assets | 42.7601% | 5,841 |
| Net loans and leases to deposits | 59.4930% | 5,032 |
| Net loans and leases to core deposits | 60.9690% | 5,222 |
| Total domestic deposits to total assets | 71.8741% | 6,505 |
| Equity capital to assets | 10.5842% | 3,182 |
| Core capital (leverage) ratio | 11.0733% | 2,410 |
| Tier 1 risk-based capital ratio | 14.9311% | 3,800 |
| Total risk-based capital ratio | 15.8628% | 3,953 |
| Memoranda: | ||
| Average total assets | $204,929,750 | 2,990 |
| Average earning assets | $199,486,000 | 2,857 |
| Average equity | $23,985,500 | 2,759 |
| Average total loans | $92,133,750 | 3,663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 2,179 |
| Cost of funding earning assets | 0.4035% | 4,912 |
| Net interest margin | 4.1026% | 1,536 |
| Noninterest income to average assets | 0.5461% | 3,528 |
| Noninterest expense to average assets | 2.6898% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5700% | 790 |
| Return on assets (ROA) | 1.5874% | 832 |
| Pretax return on assets | 1.8732% | 784 |
| Return on Equity (ROE) | 13.0687% | 1,231 |
| Retained earnings to average equity (ytd only) | 13.0687% | 377 |
| Net charge-offs to loans | -0.0045% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2135% | 5,580 |
| Assets per employee ($millions) | 4.5786% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,739 |
| Loan loss allowance to noncurrent loans | 49,333.3333% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 5,320 |
| Noncurrent loans to loans | 0.0030% | 6,449 |
| Net loans and leases to total assets | 49.3934% | 5,176 |
| Net loans and leases to deposits | 73.8413% | 3,181 |
| Net loans and leases to core deposits | 75.0532% | 3,667 |
| Total domestic deposits to total assets | 66.8914% | 6,741 |
| Equity capital to assets | 11.8030% | 2,046 |
| Core capital (leverage) ratio | 11.4326% | 1,993 |
| Tier 1 risk-based capital ratio | 14.7585% | 3,937 |
| Total risk-based capital ratio | 15.7102% | 4,086 |
| Memoranda: | ||
| Average total assets | $195,923,000 | 3,116 |
| Average earning assets | $190,852,330 | 2,980 |
| Average equity | $23,797,330 | 2,791 |
| Average total loans | $89,290,670 | 3,743 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 2,888 |
| Cost of funding earning assets | 0.4027% | 5,075 |
| Net interest margin | 3.8974% | 2,126 |
| Noninterest income to average assets | 0.4328% | 4,231 |
| Noninterest expense to average assets | 2.5700% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2969% | 1,283 |
| Return on assets (ROA) | 1.3357% | 1,290 |
| Pretax return on assets | 1.7209% | 1,032 |
| Return on Equity (ROE) | 10.8371% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.8371% | 907 |
| Net charge-offs to loans | -0.0096% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5957% | 5,505 |
| Assets per employee ($millions) | 5.7715% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 3,025 |
| Loan loss allowance to noncurrent loans | 49,333.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 5,401 |
| Noncurrent loans to loans | 0.0034% | 6,511 |
| Net loans and leases to total assets | 43.6949% | 5,695 |
| Net loans and leases to deposits | 66.6799% | 3,959 |
| Net loans and leases to core deposits | 70.3296% | 4,032 |
| Total domestic deposits to total assets | 65.5294% | 6,855 |
| Equity capital to assets | 12.3533% | 1,806 |
| Core capital (leverage) ratio | 11.7062% | 1,742 |
| Tier 1 risk-based capital ratio | 16.1593% | 3,178 |
| Total risk-based capital ratio | 17.2444% | 3,232 |
| Memoranda: | ||
| Average total assets | $193,155,500 | 3,179 |
| Average earning assets | $188,743,500 | 3,030 |
| Average equity | $23,807,000 | 2,821 |
| Average total loans | $83,442,500 | 3,916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 4,129 |
| Cost of funding earning assets | 0.4668% | 5,442 |
| Net interest margin | 3.8512% | 3,022 |
| Noninterest income to average assets | 0.2504% | 5,672 |
| Noninterest expense to average assets | 2.6938% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0843% | 1,993 |
| Return on assets (ROA) | 1.2148% | 1,717 |
| Pretax return on assets | 1.4570% | 1,830 |
| Return on Equity (ROE) | 10.2479% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.2479% | 550 |
| Net charge-offs to loans | -0.0079% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4533% | 4,240 |
| Assets per employee ($millions) | 6.3360% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 2,429 |
| Loan loss allowance to noncurrent loans | 36,950.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 5,462 |
| Noncurrent loans to loans | 0.0050% | 6,572 |
| Net loans and leases to total assets | 41.1322% | 6,085 |
| Net loans and leases to deposits | 59.3954% | 5,087 |
| Net loans and leases to core deposits | 62.3676% | 5,119 |
| Total domestic deposits to total assets | 69.2514% | 6,815 |
| Equity capital to assets | 12.2964% | 1,861 |
| Core capital (leverage) ratio | 11.2901% | 2,020 |
| Tier 1 risk-based capital ratio | 16.7407% | 2,780 |
| Total risk-based capital ratio | 17.8972% | 2,791 |
| Memoranda: | ||
| Average total assets | $182,492,600 | 3,281 |
| Average earning assets | $177,371,200 | 3,127 |
| Average equity | $21,633,600 | 3,020 |
| Average total loans | $75,549,400 | 4,163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 4,268 |
| Cost of funding earning assets | 0.4695% | 5,645 |
| Net interest margin | 3.8772% | 2,995 |
| Noninterest income to average assets | 0.2377% | 5,853 |
| Noninterest expense to average assets | 2.7110% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0748% | 2,192 |
| Return on assets (ROA) | 1.2470% | 1,751 |
| Pretax return on assets | 1.4957% | 1,895 |
| Return on Equity (ROE) | 10.6230% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.6230% | 757 |
| Net charge-offs to loans | -0.0072% | 6,311 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7866% | 4,106 |
| Assets per employee ($millions) | 6.3404% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 2,503 |
| Loan loss allowance to noncurrent loans | 24,616.6667% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 5,659 |
| Noncurrent loans to loans | 0.0077% | 6,658 |
| Net loans and leases to total assets | 40.2559% | 6,257 |
| Net loans and leases to deposits | 57.9884% | 5,431 |
| Net loans and leases to core deposits | 65.8231% | 4,968 |
| Total domestic deposits to total assets | 69.4206% | 6,869 |
| Equity capital to assets | 11.9272% | 2,324 |
| Core capital (leverage) ratio | 11.4783% | 2,000 |
| Tier 1 risk-based capital ratio | 17.2000% | 2,651 |
| Total risk-based capital ratio | 18.4174% | 2,615 |
| Memoranda: | ||
| Average total assets | $180,595,750 | 3,342 |
| Average earning assets | $175,208,000 | 3,195 |
| Average equity | $21,198,750 | 3,105 |
| Average total loans | $74,521,250 | 4,242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 4,018 |
| Cost of funding earning assets | 0.4741% | 5,801 |
| Net interest margin | 3.9679% | 2,644 |
| Noninterest income to average assets | 0.2120% | 6,047 |
| Noninterest expense to average assets | 2.6924% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1508% | 1,876 |
| Return on assets (ROA) | 1.1680% | 2,024 |
| Pretax return on assets | 1.3800% | 2,292 |
| Return on Equity (ROE) | 10.0084% | 2,345 |
| Retained earnings to average equity (ytd only) | 10.0084% | 971 |
| Net charge-offs to loans | -0.0082% | 6,243 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4441% | 4,447 |
| Assets per employee ($millions) | 6.3017% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9965% | 2,243 |
| Loan loss allowance to noncurrent loans | 18,437.5000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 5,232 |
| Noncurrent loans to loans | 0.0108% | 6,678 |
| Net loans and leases to total assets | 39.6196% | 6,372 |
| Net loans and leases to deposits | 57.6171% | 5,493 |
| Net loans and leases to core deposits | 66.0886% | 4,995 |
| Total domestic deposits to total assets | 68.7635% | 6,964 |
| Equity capital to assets | 11.8704% | 2,249 |
| Core capital (leverage) ratio | 10.7850% | 2,498 |
| Tier 1 risk-based capital ratio | 19.0793% | 1,944 |
| Total risk-based capital ratio | 20.3404% | 1,925 |
| Memoranda: | ||
| Average total assets | $177,390,000 | 3,403 |
| Average earning assets | $171,679,330 | 3,247 |
| Average equity | $20,702,670 | 3,136 |
| Average total loans | $73,345,330 | 4,303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 4,208 |
| Cost of funding earning assets | 0.4617% | 6,072 |
| Net interest margin | 3.9661% | 2,644 |
| Noninterest income to average assets | 0.1213% | 6,647 |
| Noninterest expense to average assets | 2.6902% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1257% | 1,968 |
| Return on assets (ROA) | 1.1379% | 2,117 |
| Pretax return on assets | 1.2798% | 2,610 |
| Return on Equity (ROE) | 9.8379% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.8379% | 1,309 |
| Net charge-offs to loans | -0.0055% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9977% | 4,171 |
| Assets per employee ($millions) | 7.3566% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 2,622 |
| Loan loss allowance to noncurrent loans | 616.7364% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 5,009 |
| Noncurrent loans to loans | 0.3112% | 6,058 |
| Net loans and leases to total assets | 42.6673% | 6,130 |
| Net loans and leases to deposits | 68.1032% | 4,042 |
| Net loans and leases to core deposits | 79.2929% | 3,139 |
| Total domestic deposits to total assets | 62.6510% | 7,160 |
| Equity capital to assets | 11.8125% | 2,175 |
| Core capital (leverage) ratio | 11.5170% | 1,880 |
| Tier 1 risk-based capital ratio | 17.4654% | 2,491 |
| Total risk-based capital ratio | 18.5909% | 2,503 |
| Memoranda: | ||
| Average total assets | $174,711,000 | 3,459 |
| Average earning assets | $168,933,000 | 3,303 |
| Average equity | $20,207,500 | 3,202 |
| Average total loans | $73,078,500 | 4,345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 4,766 |
| Cost of funding earning assets | 0.4523% | 6,725 |
| Net interest margin | 4.1245% | 2,332 |
| Noninterest income to average assets | 0.0948% | 6,662 |
| Noninterest expense to average assets | 3.0324% | 3,471 |
| Loan and lease loss provision to assets | -0.0334% | 7,234 |
| Net operating income to assets | 0.7401% | 3,293 |
| Return on assets (ROA) | 0.8853% | 2,800 |
| Pretax return on assets | 1.1797% | 2,528 |
| Return on Equity (ROE) | 7.3894% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.3894% | 1,322 |
| Net charge-offs to loans | 0.5341% | 2,870 |
| Credit loss provision to net charge-offs | -14.4092% | 6,625 |
| Earnings coverage of net charge-offs (x) | 4.1124% | 3,259 |
| Efficiency ratio | 76.0931% | 2,877 |
| Assets per employee ($millions) | 7.2026% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,944 |
| Loan loss allowance to noncurrent loans | 640.0000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 4,310 |
| Noncurrent loans to loans | 0.3317% | 6,064 |
| Net loans and leases to total assets | 39.2669% | 6,586 |
| Net loans and leases to deposits | 57.9352% | 5,703 |
| Net loans and leases to core deposits | 66.6732% | 5,189 |
| Total domestic deposits to total assets | 67.7774% | 7,084 |
| Equity capital to assets | 11.3147% | 2,672 |
| Core capital (leverage) ratio | 11.5043% | 1,885 |
| Tier 1 risk-based capital ratio | 18.2008% | 2,132 |
| Total risk-based capital ratio | 19.4526% | 2,098 |
| Memoranda: | ||
| Average total assets | $149,784,400 | 3,803 |
| Average earning assets | $141,278,000 | 3,718 |
| Average equity | $17,944,600 | 3,434 |
| Average total loans | $64,971,600 | 4,676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 4,498 |
| Cost of funding earning assets | 0.4397% | 6,911 |
| Net interest margin | 4.2521% | 1,904 |
| Noninterest income to average assets | 0.0768% | 6,855 |
| Noninterest expense to average assets | 3.1089% | 3,122 |
| Loan and lease loss provision to assets | -0.0463% | 7,329 |
| Net operating income to assets | 0.7157% | 3,529 |
| Return on assets (ROA) | 0.9110% | 2,834 |
| Pretax return on assets | 1.2693% | 2,403 |
| Return on Equity (ROE) | 7.4794% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.4794% | 1,720 |
| Net charge-offs to loans | 0.7598% | 2,045 |
| Credit loss provision to net charge-offs | -13.7363% | 6,414 |
| Earnings coverage of net charge-offs (x) | 2.8242% | 3,727 |
| Efficiency ratio | 76.5618% | 2,755 |
| Assets per employee ($millions) | 6.7360% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 1,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2421% | 4,315 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.9767% | 6,634 |
| Net loans and leases to deposits | 57.9099% | 5,845 |
| Net loans and leases to core deposits | 59.7384% | 6,012 |
| Total domestic deposits to total assets | 69.0327% | 7,091 |
| Equity capital to assets | 11.8350% | 2,389 |
| Core capital (leverage) ratio | 12.0241% | 1,693 |
| Tier 1 risk-based capital ratio | 21.3522% | 1,390 |
| Total risk-based capital ratio | 22.6072% | 1,367 |
| Memoranda: | ||
| Average total assets | $144,014,750 | 3,922 |
| Average earning assets | $134,925,250 | 3,866 |
| Average equity | $17,541,000 | 3,504 |
| Average total loans | $63,877,000 | 4,757 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 3,284 |
| Cost of funding earning assets | 0.4539% | 6,994 |
| Net interest margin | 4.5220% | 1,081 |
| Noninterest income to average assets | 0.0565% | 7,020 |
| Noninterest expense to average assets | 3.1825% | 2,966 |
| Loan and lease loss provision to assets | -0.0724% | 7,414 |
| Net operating income to assets | 0.8001% | 3,074 |
| Return on assets (ROA) | 0.9643% | 2,477 |
| Pretax return on assets | 1.3784% | 1,864 |
| Return on Equity (ROE) | 7.8305% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.8305% | 1,520 |
| Net charge-offs to loans | 1.1530% | 1,354 |
| Credit loss provision to net charge-offs | -13.7363% | 6,186 |
| Earnings coverage of net charge-offs (x) | 2.0330% | 3,842 |
| Efficiency ratio | 74.8128% | 3,219 |
| Assets per employee ($millions) | 5.8600% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3064% | 1,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 4,065 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 40.4499% | 6,711 |
| Net loans and leases to deposits | 57.0422% | 6,048 |
| Net loans and leases to core deposits | 60.8790% | 6,014 |
| Total domestic deposits to total assets | 70.9121% | 7,064 |
| Equity capital to assets | 12.4325% | 1,824 |
| Core capital (leverage) ratio | 12.6100% | 1,318 |
| Tier 1 risk-based capital ratio | 17.7663% | 2,246 |
| Total risk-based capital ratio | 19.0183% | 2,205 |
| Memoranda: | ||
| Average total assets | $138,131,670 | 4,060 |
| Average earning assets | $128,217,000 | 4,027 |
| Average equity | $17,010,330 | 3,569 |
| Average total loans | $63,141,330 | 4,825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 3,356 |
| Cost of funding earning assets | 0.4758% | 7,045 |
| Net interest margin | 4.4669% | 1,139 |
| Noninterest income to average assets | 0.1527% | 6,629 |
| Noninterest expense to average assets | 3.2484% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7816% | 3,115 |
| Return on assets (ROA) | 0.7816% | 3,187 |
| Pretax return on assets | 1.1174% | 2,690 |
| Return on Equity (ROE) | 6.3822% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.3822% | 2,427 |
| Net charge-offs to loans | 2.3872% | 496 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9708% | 3,926 |
| Efficiency ratio | 74.4056% | 3,442 |
| Assets per employee ($millions) | 6.3460% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2560% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 3,756 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.3008% | 6,260 |
| Net loans and leases to deposits | 67.3368% | 4,778 |
| Net loans and leases to core deposits | 72.7197% | 4,690 |
| Total domestic deposits to total assets | 68.7601% | 7,239 |
| Equity capital to assets | 13.1485% | 1,314 |
| Core capital (leverage) ratio | 13.6297% | 929 |
| Tier 1 risk-based capital ratio | 16.3524% | 2,729 |
| Total risk-based capital ratio | 17.6037% | 2,697 |
| Memoranda: | ||
| Average total assets | $131,018,000 | 4,232 |
| Average earning assets | $123,574,500 | 4,147 |
| Average equity | $16,044,500 | 3,721 |
| Average total loans | $63,170,000 | 4,864 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 6,278 |
| Cost of funding earning assets | 0.6254% | 7,069 |
| Net interest margin | 3.9177% | 3,407 |
| Noninterest income to average assets | 0.1468% | 6,660 |
| Noninterest expense to average assets | 3.3472% | 2,588 |
| Loan and lease loss provision to assets | 0.0076% | 7,002 |
| Net operating income to assets | 0.3306% | 4,824 |
| Return on assets (ROA) | 0.5760% | 3,939 |
| Pretax return on assets | 0.8569% | 3,451 |
| Return on Equity (ROE) | 6.3406% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.3406% | 1,642 |
| Net charge-offs to loans | 0.4039% | 4,023 |
| Credit loss provision to net charge-offs | 3.7175% | 6,623 |
| Earnings coverage of net charge-offs (x) | 2.4461% | 3,909 |
| Efficiency ratio | 87.0472% | 1,568 |
| Assets per employee ($millions) | 5.5647% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1043% | 798 |
| Loan loss allowance to noncurrent loans | 70.5549% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 4.4256% | 1,505 |
| Noncurrent loans to loans | 4.3999% | 1,627 |
| Net loans and leases to total assets | 47.6520% | 6,423 |
| Net loans and leases to deposits | 53.7688% | 6,624 |
| Net loans and leases to core deposits | 55.5961% | 6,716 |
| Total domestic deposits to total assets | 88.6239% | 1,875 |
| Equity capital to assets | 11.2168% | 2,484 |
| Core capital (leverage) ratio | 8.8112% | 4,836 |
| Tier 1 risk-based capital ratio | 12.9071% | 4,678 |
| Total risk-based capital ratio | 14.1638% | 4,648 |
| Memoranda: | ||
| Average total assets | $132,109,200 | 4,218 |
| Average earning assets | $124,716,000 | 4,141 |
| Average equity | $12,002,000 | 4,601 |
| Average total loans | $66,595,800 | 4,805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 6,932 |
| Cost of funding earning assets | 0.6016% | 7,286 |
| Net interest margin | 3.7236% | 4,291 |
| Noninterest income to average assets | 0.1427% | 6,838 |
| Noninterest expense to average assets | 3.0822% | 3,414 |
| Loan and lease loss provision to assets | 0.0099% | 6,924 |
| Net operating income to assets | 0.4724% | 4,432 |
| Return on assets (ROA) | 0.5045% | 4,486 |
| Pretax return on assets | 0.6105% | 4,564 |
| Return on Equity (ROE) | 5.8659% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,431 |
| Net charge-offs to loans | 0.4614% | 3,442 |
| Credit loss provision to net charge-offs | 4.2373% | 6,361 |
| Earnings coverage of net charge-offs (x) | 2.4873% | 3,923 |
| Efficiency ratio | 84.1223% | 1,825 |
| Assets per employee ($millions) | 6.1028% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7584% | 1,031 |
| Loan loss allowance to noncurrent loans | 71.6114% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 4.5204% | 1,498 |
| Noncurrent loans to loans | 3.8518% | 1,981 |
| Net loans and leases to total assets | 45.7793% | 6,715 |
| Net loans and leases to deposits | 65.8483% | 5,681 |
| Net loans and leases to core deposits | 69.3912% | 5,809 |
| Total domestic deposits to total assets | 69.5224% | 7,297 |
| Equity capital to assets | 9.6909% | 4,558 |
| Core capital (leverage) ratio | 9.1253% | 4,489 |
| Tier 1 risk-based capital ratio | 14.2543% | 3,660 |
| Total risk-based capital ratio | 15.5150% | 3,612 |
| Memoranda: | ||
| Average total assets | $134,530,750 | 4,221 |
| Average earning assets | $127,221,250 | 4,131 |
| Average equity | $11,569,500 | 4,791 |
| Average total loans | $68,193,250 | 4,821 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 7,118 |
| Cost of funding earning assets | 0.6047% | 7,399 |
| Net interest margin | 3.6425% | 4,618 |
| Noninterest income to average assets | 0.1486% | 6,827 |
| Noninterest expense to average assets | 3.0854% | 3,374 |
| Loan and lease loss provision to assets | 0.0153% | 6,764 |
| Net operating income to assets | 0.4902% | 4,379 |
| Return on assets (ROA) | 0.5500% | 4,234 |
| Pretax return on assets | 0.5500% | 4,741 |
| Return on Equity (ROE) | 6.7136% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.7136% | 1,967 |
| Net charge-offs to loans | 0.0471% | 5,725 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,207 |
| Efficiency ratio | 85.9215% | 1,717 |
| Assets per employee ($millions) | 6.1913% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9978% | 821 |
| Loan loss allowance to noncurrent loans | 63.1736% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 4.4312% | 1,502 |
| Noncurrent loans to loans | 4.7453% | 1,493 |
| Net loans and leases to total assets | 48.2194% | 6,610 |
| Net loans and leases to deposits | 67.7267% | 5,585 |
| Net loans and leases to core deposits | 71.0205% | 5,774 |
| Total domestic deposits to total assets | 71.1971% | 7,247 |
| Equity capital to assets | 9.4923% | 4,709 |
| Core capital (leverage) ratio | 10.0768% | 3,089 |
| Tier 1 risk-based capital ratio | 14.5538% | 3,415 |
| Total risk-based capital ratio | 15.7094% | 3,432 |
| Memoranda: | ||
| Average total assets | $130,551,670 | 4,339 |
| Average earning assets | $123,376,330 | 4,242 |
| Average equity | $10,694,670 | 5,004 |
| Average total loans | $67,939,670 | 4,864 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 7,148 |
| Cost of funding earning assets | 0.6329% | 7,488 |
| Net interest margin | 3.6580% | 4,447 |
| Noninterest income to average assets | 0.1412% | 6,965 |
| Noninterest expense to average assets | 3.3379% | 2,402 |
| Loan and lease loss provision to assets | 0.0321% | 6,353 |
| Net operating income to assets | 0.2215% | 5,613 |
| Return on assets (ROA) | 0.2215% | 5,730 |
| Pretax return on assets | 0.2215% | 5,818 |
| Return on Equity (ROE) | 2.9730% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.9730% | 4,344 |
| Net charge-offs to loans | -0.1564% | 7,623 |
| Credit loss provision to net charge-offs | -38.4615% | 5,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9401% | 1,204 |
| Assets per employee ($millions) | 5.1440% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1649% | 719 |
| Loan loss allowance to noncurrent loans | 170.3937% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 3.2108% | 2,236 |
| Noncurrent loans to loans | 1.8574% | 3,982 |
| Net loans and leases to total assets | 51.4856% | 6,323 |
| Net loans and leases to deposits | 66.9336% | 5,718 |
| Net loans and leases to core deposits | 69.1727% | 5,985 |
| Total domestic deposits to total assets | 76.9205% | 6,574 |
| Equity capital to assets | 7.2769% | 7,226 |
| Core capital (leverage) ratio | 7.5026% | 6,847 |
| Tier 1 risk-based capital ratio | 10.3739% | 6,735 |
| Total risk-based capital ratio | 11.6384% | 6,725 |
| Memoranda: | ||
| Average total assets | $124,628,000 | 4,530 |
| Average earning assets | $117,551,000 | 4,432 |
| Average equity | $9,283,500 | 5,458 |
| Average total loans | $66,516,500 | 4,986 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 6,671 |
| Cost of funding earning assets | 0.8208% | 7,528 |
| Net interest margin | 4.0958% | 2,469 |
| Noninterest income to average assets | 0.0858% | 7,328 |
| Noninterest expense to average assets | 4.9004% | 565 |
| Loan and lease loss provision to assets | 2.2166% | 935 |
| Net operating income to assets | -2.1692% | 7,156 |
| Return on assets (ROA) | -2.1692% | 7,152 |
| Pretax return on assets | -3.1906% | 7,345 |
| Return on Equity (ROE) | -18.0388% | 7,080 |
| Retained earnings to average equity (ytd only) | -18.0388% | 7,036 |
| Net charge-offs to loans | 1.3964% | 1,799 |
| Credit loss provision to net charge-offs | 239.8046% | 1,500 |
| Earnings coverage of net charge-offs (x) | -1.0537% | 6,887 |
| Efficiency ratio | 124.8060% | 533 |
| Assets per employee ($millions) | 5.2460% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2911% | 610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3248% | 2,974 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 51.8254% | 6,441 |
| Net loans and leases to deposits | 68.5993% | 5,764 |
| Net loans and leases to core deposits | 78.7346% | 6,200 |
| Total domestic deposits to total assets | 75.5480% | 6,767 |
| Equity capital to assets | 7.6324% | 6,917 |
| Core capital (leverage) ratio | 7.9854% | 6,219 |
| Tier 1 risk-based capital ratio | 10.9223% | 5,990 |
| Total risk-based capital ratio | 12.1872% | 5,953 |
| Memoranda: | ||
| Average total assets | $88,605,400 | 5,430 |
| Average earning assets | $83,085,800 | 5,361 |
| Average equity | $10,654,800 | 5,118 |
| Average total loans | $58,651,800 | 5,309 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 6,928 |
| Cost of funding earning assets | 0.8995% | 7,560 |
| Net interest margin | 3.9813% | 2,891 |
| Noninterest income to average assets | 0.0579% | 7,612 |
| Noninterest expense to average assets | 4.4916% | 751 |
| Loan and lease loss provision to assets | 0.4632% | 3,590 |
| Net operating income to assets | -0.7726% | 6,667 |
| Return on assets (ROA) | -0.7726% | 6,673 |
| Pretax return on assets | -1.1696% | 6,802 |
| Return on Equity (ROE) | -5.6521% | 6,519 |
| Retained earnings to average equity (ytd only) | -5.6521% | 6,343 |
| Net charge-offs to loans | 0.4876% | 3,278 |
| Credit loss provision to net charge-offs | 133.9713% | 3,721 |
| Earnings coverage of net charge-offs (x) | -2.0431% | 6,747 |
| Efficiency ratio | 118.6626% | 611 |
| Assets per employee ($millions) | 4.7850% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 2,725 |
| Loan loss allowance to noncurrent loans | 367.2474% | 847 |
| Noncurrent assets plus other real estate owned to assets | 2.4460% | 2,815 |
| Noncurrent loans to loans | 0.4552% | 6,411 |
| Net loans and leases to total assets | 56.3264% | 6,107 |
| Net loans and leases to deposits | 78.5429% | 4,650 |
| Net loans and leases to core deposits | 86.3780% | 5,828 |
| Total domestic deposits to total assets | 71.7141% | 7,246 |
| Equity capital to assets | 9.7724% | 4,391 |
| Core capital (leverage) ratio | 11.5318% | 2,061 |
| Tier 1 risk-based capital ratio | 10.3801% | 6,592 |
| Total risk-based capital ratio | 11.3973% | 6,777 |
| Memoranda: | ||
| Average total assets | $80,592,500 | 5,742 |
| Average earning assets | $75,451,000 | 5,654 |
| Average equity | $11,016,250 | 5,073 |
| Average total loans | $57,150,000 | 5,420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 5,607 |
| Cost of funding earning assets | 1.0316% | 7,489 |
| Net interest margin | 4.2786% | 1,707 |
| Noninterest income to average assets | 0.1893% | 6,939 |
| Noninterest expense to average assets | 4.9398% | 534 |
| Loan and lease loss provision to assets | 0.5426% | 2,855 |
| Net operating income to assets | -0.8704% | 6,879 |
| Return on assets (ROA) | -0.8704% | 6,887 |
| Pretax return on assets | -1.3197% | 6,999 |
| Return on Equity (ROE) | -5.5479% | 6,666 |
| Retained earnings to average equity (ytd only) | -5.5479% | 6,385 |
| Net charge-offs to loans | 0.7574% | 2,166 |
| Credit loss provision to net charge-offs | 91.8660% | 4,867 |
| Earnings coverage of net charge-offs (x) | -1.3158% | 6,293 |
| Efficiency ratio | 118.6694% | 689 |
| Assets per employee ($millions) | 3.2523% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 2,401 |
| Loan loss allowance to noncurrent loans | 333.1034% | 954 |
| Noncurrent assets plus other real estate owned to assets | 4.7928% | 1,143 |
| Noncurrent loans to loans | 0.5055% | 6,264 |
| Net loans and leases to total assets | 72.2670% | 3,144 |
| Net loans and leases to deposits | 99.3413% | 1,350 |
| Net loans and leases to core deposits | 115.6542% | 2,746 |
| Total domestic deposits to total assets | 72.7461% | 7,147 |
| Equity capital to assets | 13.9824% | 1,317 |
| Core capital (leverage) ratio | 15.4440% | 833 |
| Tier 1 risk-based capital ratio | 14.6528% | 3,166 |
| Total risk-based capital ratio | 15.9027% | 3,111 |
| Memoranda: | ||
| Average total assets | $70,771,670 | 6,060 |
| Average earning assets | $65,722,000 | 6,018 |
| Average equity | $11,103,330 | 5,057 |
| Average total loans | $55,185,330 | 5,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,813 |
| Cost of funding earning assets | 1.1011% | 7,520 |
| Net interest margin | 4.2186% | 1,836 |
| Noninterest income to average assets | 0.2086% | 6,803 |
| Noninterest expense to average assets | 4.5702% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2860% | 6,663 |
| Return on assets (ROA) | -0.2860% | 6,739 |
| Pretax return on assets | -0.4350% | 6,771 |
| Return on Equity (ROE) | -1.7146% | 6,628 |
| Retained earnings to average equity (ytd only) | -1.7146% | 6,039 |
| Net charge-offs to loans | 0.8060% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.6697% | 5,298 |
| Efficiency ratio | 110.5187% | 796 |
| Assets per employee ($millions) | 3.1811% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,438 |
| Loan loss allowance to noncurrent loans | 58.9744% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 7.3843% | 438 |
| Noncurrent loans to loans | 2.7491% | 2,381 |
| Net loans and leases to total assets | 79.3890% | 1,498 |
| Net loans and leases to deposits | 95.7570% | 1,985 |
| Net loans and leases to core deposits | 114.1323% | 2,999 |
| Total domestic deposits to total assets | 82.9067% | 4,187 |
| Equity capital to assets | 16.7265% | 758 |
| Core capital (leverage) ratio | 17.0624% | 643 |
| Tier 1 risk-based capital ratio | 17.2691% | 2,250 |
| Total risk-based capital ratio | 18.5210% | 2,199 |
| Memoranda: | ||
| Average total assets | $67,130,000 | 6,210 |
| Average earning assets | $62,485,500 | 6,157 |
| Average equity | $11,198,000 | 5,057 |
| Average total loans | $54,091,000 | 5,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5903% | 7,097 |
| Cost of funding earning assets | 1.3936% | 7,743 |
| Net interest margin | 4.1966% | 2,324 |
| Noninterest income to average assets | 0.2309% | 6,782 |
| Noninterest expense to average assets | 4.4490% | 909 |
| Loan and lease loss provision to assets | 0.4766% | 2,918 |
| Net operating income to assets | -0.5316% | 6,944 |
| Return on assets (ROA) | -0.5316% | 6,823 |
| Pretax return on assets | -0.7652% | 6,860 |
| Return on Equity (ROE) | -3.4270% | 6,676 |
| Retained earnings to average equity (ytd only) | -3.4270% | 6,216 |
| Net charge-offs to loans | 0.5006% | 2,363 |
| Credit loss provision to net charge-offs | 132.4627% | 4,021 |
| Earnings coverage of net charge-offs (x) | -0.8022% | 6,562 |
| Efficiency ratio | 106.9377% | 786 |
| Assets per employee ($millions) | 3.0662% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 1,603 |
| Loan loss allowance to noncurrent loans | 34.4067% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 7.8629% | 303 |
| Noncurrent loans to loans | 5.2641% | 805 |
| Net loans and leases to total assets | 78.9996% | 1,887 |
| Net loans and leases to deposits | 95.1794% | 2,583 |
| Net loans and leases to core deposits | 113.9381% | 3,350 |
| Total domestic deposits to total assets | 83.0008% | 3,779 |
| Equity capital to assets | 16.6360% | 821 |
| Core capital (leverage) ratio | 16.1465% | 802 |
| Tier 1 risk-based capital ratio | 17.0703% | 2,285 |
| Total risk-based capital ratio | 18.3237% | 2,240 |
| Memoranda: | ||
| Average total assets | $74,489,000 | 5,896 |
| Average earning assets | $69,746,400 | 5,830 |
| Average equity | $11,555,200 | 4,951 |
| Average total loans | $53,536,200 | 5,545 |